Credit 
0
comments

How I earn credit card rewards responsibly

The topic of maximizing credit-card rewards seems to be a popular one lately, especially in the world of personal finance blogging.

Many of us use our credit cards to pay our bills and monthly expenses. We earn cash back and rake in the rewards. Some of us have even mastered the envious ability to churn credit-card rewards to pay for awesome vacations.

Because personal finance readers are so financially savvy, we usually take for granted that, for many people, this is a dangerous habit. After all, the average US household credit card debt is upwards of $15,000.

If you do it right, earning credit card rewards is a great money hack. Last year, for example, I earned $450 in cash-back. But you should have control of your finances before trying any kind of hack like this.

Let’s say you have control of your financial situation and you’re ready to play this credit-card-rewards game. How do you play properly? And what precautions should you take?

Here’s what’s worked for me.
(Click to continue reading…)


 Personal Finance 
5
comments

Comments of the week, debit card fraud edition

Debit cards can have pretty kitties, serious fraud riskWe had some great comments this week; as always, Bargaineering readers weighed in with perceptive commentary on the issues we covered.

A few readers had stories to share about how debit card fraud had affected them or people they knew, most of which turned out better than my poor friend’s story.
(Click to continue reading…)


 Taxes 
35
comments

Government to Issue Debit Cards for Tax Refunds

Plastic is a very real part of our society. Indeed, cash is rarely used as we pay with credit or debit. The government has long let taxpayers use credit cards to pay their taxes, and now the government is trying to decide if it is worth it to issue debit cards to those expecting refunds. Bankrate.com reports that a pilot program will be used to see how taxpayers react to receiving a Visa debit card in the mail instead of a paper check.

(Click to continue reading…)


 Travel 
14
comments

How to Protect Your Money While Traveling

When I was 18, I traveled to Europe as an exchange student. I really didn’t know how to protect my money while traveling, and kept all most all of it in pocketbook, in a single form. I was lucky: The only danger my money faced was being spent. If I had been robbed, I would have been hard-pressed to get my money back (although, as part of a student exchange, I would have had help dealing with the aftermath).

True, I was at a disadvantage: I didn’t have a credit card, and I didn’t have a debit card. (This was a looong time ago.) Traveler’s cheques were the way to go when traveling overseas. However, some of the basics of protecting your money never change. It is especially important to be careful of your money if you know you will be traveling to a place in upheaval. Plus, you never know if the country you are in might suddenly become unpredictable, as what happened in Egypt recently.

Before you head out of the country, consider these tips for protecting your money:
(Click to continue reading…)


Advertising Disclosure: Bargaineering may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website.
About | Contact Me | Privacy Policy/Your California Privacy Rights | Terms of Use | Press
Copyright © 2014 by www.Bargaineering.com. All rights reserved.