Explore the hidden dangers of accumulating airline miles and hotel points indefinitely. This piece reveals why promptly utilizing your rewards, rather than hoarding them, ensures you get the most out of every point earned, navigating through the risks to unlock the true value of loyalty programs.
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The average American saves approximately 4.2% of their income, but there are some individuals who are able to put away much more than that because they live ultra frugal lifestyles. In fact, they manage to save approximately half of their take-home pay. While this may involve some rather extreme strategies, such as never using hot water for anything (including showers), some people are fine with that. Some are also resorting to dangerous acts, such as driving their car with the engine turned off occasionally. Of course, turning off the car and coasting in neutral isn’t exactly the best way to…
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The Federal Reserve has been using a set of monetary strategies called quantitative easing (QE) to artificially keep interest rates extremely low across the entire United States economy. Interest rates on savings accounts, auto loans, and mortgages have been pushed down to historic lows. The average interest rate for a…
With summer vacations about to start soon, most people are likely to be planning a trip to Disneyland, a beach somewhere, a new city to explore, an out-of-state or international location to help the family bond and relax. Additionally, traveling can be a learning experience as well. However, even traveling…
It happens to the best of us. You buy a few things here and a few more there, and next thing you know… you are way over your monthly budget. Since there’s nothing you can do now, you can try to remedy the situation by making sure you spend less…
Copper is an industrial metal and it has value, which means people actually invest in it. However, by the end of April 2013, copper had seen its steepest fall since the previous May. There are a number of reasons why copper has seen this fall, making it evident that it…
Only one-third of Americans have credit scores higher than 680; the rest fall somewhere below that magic number, according to Experian. A new report, though, raises a lot of questions as to why the housing and real estate markets are doing so well. Turns out, prime mortgages are being denied…
Credit card debt feels impossible to rescue yourself from. High interest rates, low minimum payments, and the ability to spend up to your credit limit all lead to large expensive debt loads. The minimum payment is designed to simply keep you from going completely under; if you pay just the…
Pregnancy brings the excitement of a new life and the love of a new baby. But if you don’t have medical insurance, pregnancy can surely be very stressful. There’s prenatal care and the cost of the birth to worry about; and if you don’t have insurance, they can be quite…
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