A Personal Finance Blog for Regular Folks
Are you looking for a travel rewards/airline miles card but hate the idea of all those blackout dates and weird restrictions?
The Blue Sky from American Express® credit card just may be the answer… and they’re currently offering a decent welcome bonus of 7,500 points (redeemable for up to a $100 statement credit). Charge $1,000 on the card in the first three months of card membership and the points are yours.
Life insurance is that insurance that we desperately hope we’ll never need to use—or at least that our loved ones won’t need to use.
But in so many respects, it can be the most important type of insurance that you have.
It’s your way to provide for your dependents if you aren’t around to do it for them.
OK, you want to help protect and provide for your family but life insurance can be expensive. How can you get cheap life insurance?
Would you like a credit card with no late fees, no annual fee, no penalty rates hikes, and more?
Take a look at the Citi Simplicity® Card!
In this review I’ll show you the basics of what this card is all about so you can see if it’s the right card for you.
Right off the bat you are getting a card with a very long 0% introductory and balance transfer APR rate (18 months).
If you have credit card debt on other cards, and the interest rate is weighing you down, transferring your debt to a card like this can really help you make a dent in your debt (assuming you will be paying off more than the minimum amount due, of course).
[Read more…] about Citi Simplicity® Card Review – No Late Fees or Penalty Rate Hikes
One of the biggest fears any of us have about losing a job is the loss of health insurance.
COBRA continuation health insurance was designed to eliminate that fear, but the reality is that relatively few people ever take it.
Why is that?
COBRA seems simple, and on the surface it is. Details of the provision on the other hand, are anything but.
COBRA is the abbreviation for the Consolidated Omnibus Reconciliation Act of 1985. It was enacted by the U.S. government that mandates providing employees with continuing health insurance coverage after separation from their employers. The Act has been in existence since April, 1986, and covers most employees.
[Read more…] about What is COBRA Continuation Health Insurance Coverage – How Does It Work?
A great way to save money and earn reward points is to use a 0% purchase credit card (note that these 0% rates are introductory).
These cards can be a great way to avoid paying interest while gaining credit card benefits, rewards, miles, or cash back. Additionally, 0% purchase credit cards offer an opportunity for you to make a slightly larger purchase, and pay it off over time.
Another bonus is the fact that many of these credit cards also come with 0% balance transfer offers.
It’s important to understand, though, that 0% Introductory rate purchase credit cards should be used carefully, and with planning.
When used as part of a plan, o% Introductory rate purchase cards can give you the advantage of a great introductory rate, and the ability to rack up the points or miles. And, because you have an introductory period, you can take two, three months, or longer to pay off a larger purchase.
[Read more…] about The Best 0% Purchase Credit Cards of 2014
