Educational Posts on Loyalty Programs

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Get Help from the Tax Experts at NAEA

When it comes to your money and finances, nobody wants to pay more taxes to Uncle Sam. That’s why now is a critical time to check up on your tax health, with the end of the year approaching and Congress considering an overhaul of the nation’s tax code.

One of the ways you can assess your tax situation is through the help of an agent. James Adelman is an agent in Tulsa and the president of the National Association of Enrolled Agents (NAEA). He spoke to RewardExpert about how working with an enrolled agent can benefit you.

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Avoid This Hidden Financial Danger While Shopping Online This Holiday Season

It’s no secret that holiday shopping can do some damage to your bottom line. Unless you create a gift-giving budget based on what you can reasonably afford—and commit to sticking to it—it’s all too easy to run up your credit card balances and end the year in unexpected debt. However, there’s a sneakier financial danger you may not have considered. It’s known as identity theft, and unless you take steps to protect yourself, you may be putting your financial future at risk with every online purchase.

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5 Things You May Not Know About Credit Cards

5 things you never kew about credit cards

With credit cards, consumers typically hear about rewards programs, airline miles, debt and interest charges. However, there are plenty of things you probably didn’t know about credit cards.

For example, credit cards can be completely free if you use them properly. But credit cards are never free for merchants, who must pay a fee to the credit card issuer each time a consumer swipes the card. 

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Shop More While Spending Less with DealsPlus

Whether you’re shopping for a new television set, baby toys, a crockpot, or the perfect shade of lipstick, it’s always more fun when you can snag a great discount in the process. Thanks to DealsPlus, an online community of bargain hunters launched in 2006, racking up savings on everything from the products you buy every day to special gifts, travel, and event tickets can become a regular occurrence.

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Singapore Airlines Devaluation

Singapore Airlines Devaluation

Regular airline and hotel program devaluations are becoming the norm, and recently Singapore Airlines has announced program changes without giving us a whole lot of warning. Effective December 7, 2017, many flights booked on Star Alliance partners will be changing in price and there are a few non-price related changes as well. All in all this is a pretty big deal.

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Keep Your Finances on Track with Money Dashboard

Nearly everyone these days is looking to save more money and earn more money, too. While staying on top of financial goals can be overwhelming, there are companies that offer critical data, information and guidance to help a consumer keep of track of their finances. That includes Money Dashboard. The Edinburgh, Scotland-based website was founded in 2010.

“The mission is to help UK consumers make their money go further by empowering them to make informed financial decisions,” said Sean MacNicol, engagement manager for Money Dashboard, who spoke to RewardExpert. Besides its desktop site, Money Dashboard is also available on mobile, iOS and Android apps.

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What You Need to Know About Credit Card Balances

What You Need to Know About Credit Card Balances

Far too many consumers have credit card balances. This isn’t something to be proud of as a credit card balance is another term for having debt. Remember, when charging items on a credit card, those expenditures must be paid back in full.

Let’s explore some of the ins and outs of credit card balances, including what they are and how they can snowball into a major financial problem that affects your life for years to come.

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American Student Assistance: Demystifying Education Finance for Students and Alumni

U.S. households are carrying $1.4 trillion in student debt according to the latest analysis by Experian, a consumer credit reporting agency. That’s a lot of education loans and, in fact, Experian’s analysis shows that more than 13 percent of U.S. consumers have one or more on their credit file.

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Moving Money at the Speed of Life

Fiserv bills itself as a leading global provider of financial services technology, focused on enabling its clients to create and deliver financial service experiences at the “speed of life.” The company’s client base includes millions of consumers and thousands of financial institutions, businesses and organizations that rely on the moving and management of money and information every day.

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8 Reasons Your Credit Card Was Declined

Ehy you credit card weas declined

Imagine that you’re standing at the checkout counter and the cashier informs you that your credit card has been declined. Not only is this an embarrassing situation to be in, but it can also be an inconvenience. If you don’t carry cash, you’re left scrambling for another method of payment. 

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Avoid Black Friday Lines and Save Money on All Your Holiday Shopping with eBay

If you love buying holiday gifts at deep discount but hate dealing with Black Friday crowds, you’re not alone. According to an eBay Holiday Shopping Survey, 72 percent of shoppers start buying gifts early in order to find a better selection. However, 76 percent would still rather give something up—such as social media for a week (38 percent), sugar or carbs for a month (35 percent), or caffeine for seven days (32 percent)—than stand in line on one of the biggest shopping days of the year. One in four (26 percent) would even rather have a root canal than line up in the hopes of scoring a holiday bargain.

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What to Do When a Fraudulent Charge is Discovered on Your Credit Account

Fraudulent Charges

If you discover a fraudulent charge on one of your credit accounts, you should act fast to avoid further damage. By taking immediate action, almost any fraudulent purchase made with a credit card can be disputed and resolved. Many credit issuers have zero liability policies when it comes to fraud and some offer credit monitoring services at no charge. There are also federal laws that limit the liability of consumers when it comes to fraudulent charges.

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Geocaching is Frugal Family-Friendly Fun

How much does the average American family spend on entertainment each year? According to data on consumer expenditures from the Bureau of Labor Statistics, the answer was $2,913 in 2016, an increase of 2.5 percent over the year prior. That’s a lot of cash in an economy in which wages are stagnant and the costs of essentials such as food, housing, and healthcare continue to grow.

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Make the Most of Your Grocery Budget with BigOven

How much food do you throw away each year? If you live in an average American household, the answer is $640 according to a study by the American Chemistry Council. Other surveys have resulted in much bigger estimates, up to $2,200 in food waste per family annually. Either way, that’s a lot of wilted produce, expired dairy, and leftovers winding up in our nation’s landfills each year. And a whole lot of wasted money to boot.

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7 Reasons to use a Credit Card Instead of a Debit Card

7 Reasons to use a Credit Card

There are several key considerations when it comes to choosing whether to use a debit or credit card to pay. Credit cards provide many perks and benefits that debit cards do not. These benefits may be especially useful when shopping or traveling. For the most part, as long as you are a responsible spender, using a credit card is usually a better option than using your debit card.

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Put Your Finances in a Good Place with Network for Good

With the end of the year approaching, people are starting to think about the holidays and how to spend their money wisely during the busy gift giving season. But this year, consider giving to not only your friends and loved ones, but charitable organizations and non-profits as well. A good portion of the funds that support their good work throughout the year are collected during the holiday season.

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Save and Make Money with Wimdu

It’s a dream for many people to travel to amazing places without spending a ton of money – especially those who are on a budget. It’s even more of a dream to think that you could make money on the side while you’re exploring the world. With Wimdu, you can make those dreams come true as you beef up your bank account while you’re on the road. Wimdu is a home and apartment sharing site, offering accommodations around the world. Much like rivals Airbnb and HomeAway, Wimdu’s platform allows owners to rent out their homes. Meanwhile, travelers can book rooms at a low cost, making it a financially-winning proposition for both traveler and host.

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The Best Ways to Consolidate Credit Cards to Save Money

Balance Transfer Cards

Having credit card debt is stressful enough. Debt across multiple credit cards from different issuers compounds this stress and makes tracking your progress towards a debt free life even more difficult.

Plus, credit card debt is expensive. Chances are, you’re paying an interest rate near 25%, a level high enough to easily keep you in debt for years.
Thankfully, there are tactics you can take to consolidate your debt. But some consolidation methods are better than others.

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5 Reasons to Never Miss a Monthly Credit Card Payment

Missing a credit card payment is not something to take lightly. Whether you truly can’t afford to make the payment or you simply forgot about it, the financial consequences can be pretty hefty.

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Know the Ins and Outs of Taxes to Protect Your Financial Future

Many Americans and American businesses would love to save more money and pay less taxes. The issue is heightened even further, as the Trump Administration and Congress considers making significant changes to the US tax code. Plus, the end of the year is nearly upon us, so many taxpayers are making last minute plans to put themselves in the most financially-prudent position ahead of next year’s tax filing deadline.

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