Recent data shows that U.S. homeowners spent an estimated $567 billion on home improvements and repairs in 2022, an increase of 15% from the previous year. That number is expected to continue to grow this year. Moreover, the top priority for homeowners this year will remain home improvement projects rather than moving into another property, largely because of persistently high mortgage interest rates.
Starting a business can be an exciting adventure rife with challenges. And to cushion any potential business problems, most entrepreneurs register their business as a Limited Liability Company (LLC).
The insurance industry is stable and secure globally, particularly in Australia. It’s well-developed and backed by fair regulations, making insurance a good deal for insurers and policyholders. And with a growing population and new aspects of life and businesses that companies can insure, insurers can expect to go through life working in a very lucrative industry.
Emergencies can strike at any time, and it’s always a good idea to be prepared, but if you’re in the middle of a financial crisis and don’t have savings or other cushion to rely on, don’t panic. Here are seven simple money fixes that can help you get out of the pinch.
As a college student, you’ve become partially independent or sometimes fully independent; you have to provide for your basic needs like food, gas, textbook, buying essay online and all other expenses like field trips and repairs for your broken materials, and even help to pay your college fees. There are certain ways to get money for college, and that is by doing side business while schooling. College jobs should be easy to handle, and the schedules should be flexible without taking from your school time as Thomas Jefferson suggests, “If you want something you’ve never had, you must be willing to do something you’ve never done.” In order words, pick a side job today.
American Express is one of a few credit card issuers that has their own airport lounges. In fact, American Express was the only credit card issuer in the game with its Centurion lounges until recently. Amex’s network of Centurion Lounges has greatly expanded and is now among the most exclusive lounges in the American Express Global Lounge Collection.
When it comes to skiing in the US, skiers will find a large selection of top ski resorts, including the best ski resorts in the world. Here we collected top US ski resorts to find perfect powder, hang out with friends, have family fun, or simply unwind this season.
Nobody likes long security lines at airports, but luckily, there are ways to skip the crowds. Federal trusted traveler programs like TSA Pre✓® and Global Entry were created for travels to help them speed through security and make screening less intrusive.
The coronavirus pandemic brought many changes to the travel industry and airlines in particular. One of the remarkable changes in some major U.S airlines’ policies is the permanent elimination of change fees, which was triggered by United at the end of this August. However, not all airlines are ready to bid farewell to the fee.
Now it seems that a lot of time has passed since the beginning of the pandemic. Many countries have already experienced a peak in incidence and are slowly beginning to ease restrictions. However, there are still over 70 countries that stay completely closed allowing only citizens, residents returning home, or people in other special circumstances to enter. More than 100 countries continue to maintain entry restrictions (e.g. for people with certain citizenship or those arriving from particular countries). And only a few countries have no formal restrictions on entry by air but may require adherence to special measures while on their territory like the COVID-19 testing or quarantine upon arrival.
The pandemic forced people to stay at home and cease traveling as domestically as internationally. Now, as stay-at-home orders are being lifted and cities around the world are slowly reopening, travel restrictions have started to soften, and travelers are looking forward to traveling again. Some travelers give preference to camping, short trips, and road trips, while others hope to return in the sky. But is it safe to travel right now?
Credit cards provide great convenience and plenty of solid loyalty point perks, especially when you first sign up for one. But, there are some pitfalls that are important to take note of when your wallet is full of cards. Consider each of these the next time you are looking through your wallet, and don’t make these big mistakes.
Whenever you get a new credit card, you might be a little baffled by the long string of numbers. Yes, there are a lot of people with credit cards, and the issuers need to have a variety of numbers in order to make sure every person gets a unique identifying number. But that’s not the only reason. Every one of those numbers on the front of your card (and the three or four on the back) serve a purpose.
A store credit card, also commonly referred to as a co-branded credit card, is a credit card that is sponsored by both a retailer and a credit issuer. Aside from providing shoppers with an additional payment method, store cards are commonly intended to enhance the user’s shopping experience while promoting customer loyalty. But should you get one?
The credit card market is very competitive. Card issuers are in heavy competition for your business. As a result, credit card companies are quick to offer perks to win consumers over.
However, not all perks are created equal. In fact, consumers need to take certain steps to ensure those perks don’t turn into expensive financial headaches that cause damage to one’s financial life for years to come.
Managing your credit cards can be time consuming, especially if you are in debt. There are a host of moving parts with credit cards, from the interest rate to the due date and annual fees. It can be easy to stumble and miss a payment or be tempted to take out a cash advance in a pinch.
Closing down a credit card will usually hurt your credit score, especially if you’ve had the credit card open for many years. If you no longer want to use a particular credit card, you don’t have to close it down. There are other options out there to prevent you from using the card and accumulating high balances.
Let’s explore why it’s a bad idea to close down your credit card.
It’s that time of year where everyone is talking about the goals they plan to set for the new year. There’s a lot of talk about getting to the gym more and eating less junk food
While all this is well and good there is a three-digit number that may be getting sadly ignored. Not your weight. Your credit score. While you are going to want to keep that number on the scale low you are going to want to get that credit score to gain as much as possible.
It’s no secret that the invention of credit cards completely revolutionized the shopping experience. Now the payment experience is under a revolution of its own. Services such as Apple Pay allow shoppers to save their credit information on their iPhone and use it a payment method. You’ll find that with the availability of services such as Apple Pay and the iCloud keychain, the only thing anyone needs to shop is an iPhone.
If you’re in credit card debt, you are probably all too familiar with how interest works. Any time you leave a balance on a credit card, the credit card issuer charges interest. The interest rate on credit cards can be as high as 15%, so a credit card balance of $500 can easily turn into $1,000 or even higher over time. Before you know it, the debt balance is so high that achieving debt-free status can seem hopeless.
