Starwood Preferred Guest® Hotel Reward Program – A Review

If you are looking for a fairly simple hotel rewards program that offers convenient locations and the ability to book flights (and more) with your points, you need to look into the Starwood Preferred Guest hotel reward program.

Starwood Preferred Guest offers 2 points (Starpoints) for every dollar spent at over 1,000 approved locations in 93 countries and 9 hotels including Sheraton, Four Points by Sheraton, W Hotels, aloft, The Luxury Collection, Le Meridien, Element, Westin and St. Regis.

You are required to give basic information such as your name, address, and e-mail address in addition to your room preferences when signing up for a Starwood Preferred Guest account.  You can optionally give more information such as your phone number.Continue Reading

American Express® Premier Rewards Gold Card – Review

When you think of a gold card the first thing that comes to mind is American Express®.

They are the one who put an exclusive card on the map. 

I’m going to show you what makes the American Express(R) Premier Rewards Gold Card special.

First off, don’t make the mistake of thinking this is a credit card, it’s not.

This is a CHARGE card.  That means that the purchases you make are expected to be paid off IN FULL when you get your statement.  There are some exceptions but for the most part this is a card for people who will be able to pay everything off every month (you should really aim to do that anyway).

Being a charge card means there is no pre-set spending limit for the card.  Not that you can go out and spend to your heart’s content though.  Your purchasing power will adjust to your spending habits, your payment habits, your income, and other factors that American Express takes into account.Continue Reading

Hyatt Gold Passport Hotel Rewards Program – A Review

There are over 453 Hyatt properties around the world.

If Hyatt is a hotel chain you enjoy, you need to consider enrolling in Hyatt’s rewards program, Hyatt Gold Passport, which offers the flexibility to earn either hotel points or airline mile points.

Hyatt Gold Passport rewards are accrued at 5 points per dollar spent.

Alternatively, Hyatt has partnered with 35 airlines; instead of points, you could earn 500 air miles with one of their airline partners per qualified Hyatt stay.  In addition, if you are an event planner, you can earn one point per dollar spent on events at Hyatt by joining their Hyatt Gold Passport Planner Rewards Program.
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La Quinta Returns Member Rewards Hotel Program – A Review

La Quinta Hotel Rewards Program Review

Many hotel chains offer their own rewards programs, and some of them are fairly complicated as far as how points are earned and redeemed. If you are looking for a straight forward hotel reward program where you can choose to earn hotel points or airline miles, La Quinta Returns Member Rewards may be just the program for you.

La Quinta Returns Member Rewards are earned at 10 points per dollar spent.  If you prefer to earn airline miles, La Quinta has partnered with American Airlines Advantage, Continental Airlines One Pass, Delta Sky Miles, MexicanaGo, and Southwest.com Rapid Rewards.  For all of the airlines except the latter, you can earn 250 airline miles per night at La Quinta Inns.  For Southwest.com Rapid Rewards, you can earn 600 points per stay.

Signing up for La Quinta Returns Member Rewards is quite simple; you are required to give basic information such as your name, address, e-mail address, and phone number .Continue Reading

Credit Karma Review – Get Your Credit Score and More

If you take advantage of AnnualCreditReport.com you can pull your credit report once a year from each of the three credit bureaus for free.

Your credit report is important to see what accounts you have open, to check the status of your accounts, and to make sure there are no mistakes on your reports.

But your credit report is different from your credit score.

For the most part, you have to pay to get the score that lenders use to determine your creditworthiness.  If you intend to pull your score frequently, perhaps because you are in the market for a house and would like the highest possible credit score to get the best interest rate on your home loan, then give Credit Karma a look, where you can get a credit score and track your score over time with no fees or obligations.

Let’s take a look at what it’s all about in this Credit Karma review.

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Marriott Hotel Rewards Program – Make Your Stays Worth More – A Review

In addition to credit cards that offer hotel rewards, there are a number of hotel chains that offer their own reward programs.

One of them that offers the flexibility to earn either hotel points or air mile points is Marriott Rewards.

Marriott Rewards are accrued at 10 points per dollar spent (or 2 air mile points per dollar) at Marriott and JW Marriott Hotels and Resorts, Renaissance Hotels and Resorts, Edition, Autograph Collection, The Ritz-Carlton, and Marriott Vacation Club International.  Other hotels that earn 5 points per dollar spent or 1 air mile point include Residence Inn, and TownePlace Suites, among others.  Qualifying hotels are found in 68 countries.

Signing up for Marriott Rewards is quite simple; you are required to give basic information such as your name, address, and e-mail address.  When you sign up, you can choose if you would like to accrue your points to earn free hotel stays or as air mile rewards.Continue Reading

Bankruptcy – What it is, When it’s Used, and How it Works – Adapted from Debt Free for Life

Debt Free for Life

I had the pleasure of receiving a publisher’s copy if David Bach’s latest book Debt Free for Life – The Finish Rich Plan for Financial Freedom. Rather than give a general overview of the book, I’m going to talk about chapter 14 – How Bankruptcy Works, When to Use it, How Long it Will Take to you to Recover.

Bankruptcy is pretty much a last ditch effort to help save your financial situation (and perhaps your overall health and life).  The hope is that no one will ever need to know about bankruptcy but the truth is over a million and a half people in 2010 will file for personal bankruptcy.
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