Educational Posts on Loyalty Programs

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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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Four Ways to Use the Right Combination of Points, Miles, and Money to Save on Airfare

Airfare sales happen every day but not necessarily from your home airport. In order to take advantage of some of the best deals out there, you might have to get a bit creative. There are plenty of options available to help reduce the cost of airfare. You may save money by positioning yourself to nearby airports or by using your frequent flyer miles like cash to reduce the cost of a ticket. If you’re earning points on a credit card you will want to access their travel portals to see if your points have greater value there. Additionally, using a combination of award tickets and purchased tickets for securing your airfare may result in paying less. Try these combinations to find the best deal.

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Shopkick: A Rewards App That Helps People Save Money on Shopping

Whether you count shopping among your favorite hobbies or dread spending money in any form, the free Shopkick app can make all of your purchases more fun. Based in Redwood City, California, and founded in 2009, Shopkick is on a mission to reward consumers for the shopping they already do as well as drive sales for retailers without the use of coupons or discounts.

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Why do Credit Cards Expire?

Credit Card Expiration date

You may know a lot about the rewards and benefits that are included with your credit card, but you may not have considered those all-important four digits on the front of your card: the expiration date. It’s almost impossible to complete an online purchase without that data point, but what is the expiration date really used for? Banks have several reasons for including it. Read on to find out more.

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Can Award Tickets Earn Miles?

Award Tickets Earn Miles

As a general rule that award tickets do not earn frequent flyer miles since they are paid for with miles, the same way you do not earn hotel points when you redeem points on an award stay. Frequent flyer programs will usually exclude award booking classes from mileage accrual. This applies to partners as well.

With that being said, there are a few exceptions or situations when award tickets might earn you miles after.

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CommonBond: Affordable Student Loans and Education Loan Refinancing

Student loans are big business. According to the Federal Reserve Bank of New York, more than 44 million borrowers now carry more than $1.4 trillion in education loan debt with the average debt per student borrower at $27,857. These are numbers that will continue to grow as the cost of tuition rises along with interest rates on federal and private student loans. In July, the interest rates on new federal loans increased to 4.45 percent. The average variable rate on private student loans grew to 7.81 percent, while the average fixed rate stood at 9.66 percent.

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Why You Should Pay More Than the Monthly Minimum on Your Credit Card

It happens to everyone who has a credit card at one point or another. You overspend. And you often don’t realize it until your statement rolls in. Then you see it. The minimum payment option. Surely you’ll have more money next month to pay off the balance. It’s tempting to just take the easy out and carry the balance for another month or two or three. But this is why you shouldn’t do that. Ever.

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Slangit: Simple Definitions for Technology Newbies and Confused Parents

Do you know what CMOS, GPIO, Microkernel and Boot Sector to 411, Beast Mode, FTW and PHAT mean? The online world is full of technical terms, slang phrases, acronyms and abbreviations that sometimes only make sense to computer programmers, IT professionals and teens—until now.

Thanks to Sharpened Productions’ TechTerms and Slangit dictionaries, even those of us who are less than technologically savvy or long past our teenage years can now decipher the often-confusing jargon we may encounter in tech blogs and software manuals as well as on our children’s mobile devices.

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Six Common Business Credit Card Myths

Business Credit Card Myths

When an entrepreneur first starts a business, cash flow is crucial. Many will get loans to fund the initial effort. Some will seek out help from family and friends. Others will turn to credit cards as a way to pay for the expenses that come with a new business. There are some common myths about using business credit cards.. Let’s go through them so you don’t risk your business and credit score.

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Segmint: Marketing Technology Driven by Data

Segmint offers a technology platform that leverages actual consumer data to help marketers send relevant messages at the precise moment they’re considering a purchase.

“It’s like looking at your credit or bank statement, and making sense of all of that data,” according to Rob Heiser, co-founder, president and CEO of Segmint.

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3 Big Credit Card Mistakes

Mismanaging your credit cards can result in lasting financial difficulties – especially if you have big goals with your money – like buying a home or car.
Let’s explore three of the most serious credit card blunders.

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Digital Assets In a Digital World

The cryptocurrency ecosystem is changing, thanks to companies like ShapeShift that are giving individuals the power to digitally exchange assets quickly and without possessing an account. The company vows that a user will never have to create a password, submit an email address or sign up in a lengthy process. ShapeShift’s goal is to be the fastest, most private and most convenient way to swap digital currencies.

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Boxcryptor: Cloud Security for Everyone

If you routinely store files somewhere other than your computer’s hard drive, you are probably saving them to the cloud—the network of servers that essentially make up the Internet. While some cloud servers host services—such as Adobe’s Creative Suite or Gmail—others store a variety of data and are becoming increasing popular with business and individual users alike. Dropbox has over 500 million users. Google Drive boasts more than a million paid customers, and millions more who subscribe to Microsoft’s Office 365 use OneDrive to store their documents, photos and videos remotely.

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The Top 5 Frequent Flyer Programs for International Travel

Best Frequent Flyer Programs for International Travel

Picking the right frequent flyer programs for your international travel depends on the region, the distance (short-haul/long-haul) and your own objectives. Are you looking to get status? Or do you favor cheap redemptions?

Start by assessing your travel patterns and booking habits (deep-discounted economy vs. full-fare economy or business/first) and reviewing both the redemption side as well as earning ability of potential programs. Some programs however generally stand out by their number of partners, ease of achieving elite status and overall value. Here’s a rundown.

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Protect Your Land and Your Pocketbook with The Conservation Fund

Wildfires, hurricanes, floods, new construction, deforestation, the damming of lakes and rivers: There are constant changes and challenges facing the millions of acres of land in the United States and the people who live and work on them. That’s where The Conservation Fund comes in. RewardExpert spoke with Jena Thompson Meredith, the Fund’s vice president of business partnerships about what makes the organization unique and how anyone can help protect the Earth.

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Compare Legroom for Flights Before You Buy

Standardized (and shrinking) airline seats have made it difficult for people of all shapes and sizes to fit into an occupied space with set dimensions, because not everybody can fit comfortably. However, not all airline seats are created equal.

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Three Perfect Solo Destinations You Can Book Using Frequent Flyer Miles

Solo-Travel

You’re ready to travel but none of your friends have the time, money, points or miles to travel with you. Or perhaps you would just like to try a solo adventure and experience the freedom of traveling alone. How far will your miles take you? You might be surprised. Here’s a trio of affordable destinations that can easily be reached using frequent flier miles.

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Keeper Security: Stopping Hackers with Secure Passwords

If you’ve ever had an email account, you’ve likely received a message similar to this one:

Dear customer, our courier has attempted to deliver your parcel today, but you could not be contacted at the address or on the phone. Because nobody could sign for the parcel, we have deposited it at our local office, leaving you a notice in your mailbox. To claim your package, please visit our office with a printed copy of the delivery notice. A scanned copy of the UPS Missed Delivery Notice can also be found by clicking here.

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