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Why Using Your Credit Card in a Restaurant is More Dangerous Than Online

It seems like on every TV channel these days there’s always some “in-depth” report profiling a poor soul that has fallen victim to identity theft through an online scam. As a result, millions of Americans hold deep reservations against using their credit cards online, believing the same fate will fall upon them. At the same time, however, Americans pass around their credit cards to merchants in the real world without even batting an eyelash. But when you take a step back and compare how credit cards are used in the real world versus online, it’s actually easy to see that you have much less to worry about in cyberspace.

How to Rack Up Airline Miles

It seems as though airlines are doing every little thing they can lately to tack on fees (American Airlines, for example, now charges $8 for a blanket and neck pillow) while simultaneously curtailing service (removing a number of lavatories to make room for more seating). Somewhat paradoxically however, airlines also love to offer incentives for flying with them. The most common among these incentives are of course frequent flier programs, in which points accumulated through travel and other purchases can be applied as airfare discounts and upgrades. Unfortunately, there's not much we can do about $8 blankets or the lack of sufficient lavatories. What we can do as savvy travelers is find the best ways to take advantage of the incentives airlines actually still provide. Here are some tips on how to rack up airline frequent flyer miles as fast as possible:

Citi ThankYou Premier Card Review: What's Changed?

(Update: This offer is no longer available. Check out the current listings of available Citibank credit cards on Creditnet.com.)

I've been reviewing (and personally using) the Citi ThankYou Premier Card since 2008 when it was originally called the Citi PremierPass Elite Card.  I loved it back then, and I still "like" it a lot today. While there's no doubt Citi has watered down this card offer quite a bit over the years, the fact is it continues to rank among the top tier of travel rewards credit cards. Feel free to read my previous review for all the details about why the "Citi ThankYou Premier Card Still Makes Me Smile".

The World's Best Financial Gurus

Every industry has its own "Sultan of Swat." Finance is no exception. In fact, the world of finance is home to some of the most widely recognized names in the world. Here they are, in descending order: "The World's Best Financial Gurus."

Warren Buffett

ATM Cards vs. Debit Cards vs. Credit Cards

These 3 types of plastic may look alike, but they have very different uses.

For example, ATM cards can generally only be used to withdraw cash from an ATM. Debit cards, on the other hand, double as both an ATM card and a way to make purchases directly from your checking account without having to write a check. When given a choice, most people prefer debit cards to ATM cards since they are more convenient.

on Mon, 2011-08-22 17:00

How to Book a Free Airline Rewards Ticket Without Getting Ripped Off

When a new customer chooses from the endless array of credit cards with airline miles rewards, there are many important factors that come into play. Annual fees, introductory rates, and the rate of mileage accrual must all be taken into careful consideration before choosing a card. But one aspect that often gets overlooked is perhaps also the most important: just how ‘rewarding’ are these airline rewards programs really?

Know Your Credit Card Billing Cycle

It sounds obvious, but there are actually several reasons why you need to keep close tabs on your credit cards' billing cycles. The first one that should come to mind is you need to know when your billing cycle ends so you can be prepared to make payment in full to your credit issuer, right? That's a no-brainer.

on Wed, 2011-08-17 17:00

Kim Kardashian Wedding Madness Reminds Us of Her Insane Credit Card

kardashian credit card

It seems impossible to escape the reach of the Kardashian family these days:

A hit reality show on E! network.

Enough magazine covers to wallpaper an aircraft hangar.

And now Kim Kardashian's wedding has all of Hollywood talking.

Indeed, the omnipresence of the three sisters is inevitable. And this feeling of inescapability is just what the Kardashians like. Don't believe us? Just take a look at the credit card (or shall we say, Kredit Kard) they introduced last year, and you'll see just how predatory these three sisters really are. Thankfully, public backlash against the card's outrageous policies led to its discontinuation just 19 days after its debut.

The Best Ways to Save While Spending Money Overseas

Ok, so what’s one of the first steps in planning an overseas trip, whether it be for business or pleasure? If you answered something along the lines of "booking a hotel" or "logging onto Priceline", you’ve got it...wrong. In actuality, one of the first things you must figure out, after deciding where you want to go, is the logistics of spending money with overseas merchants. In doing so, you need to find the best exchange rate possible.

How To Manage Student Loans

Hallelujah! My wife and I just finished paying off another student loan. Two down, and one more to go! This past year, nearly seventy percent of undergraduates finished school with outstanding student loans.  In fact, the average student loan debt in 2010 totaled around $25,000 per person! If you take the average of 16-18 years to repay these loans, at the standard 6.8% interest rate of unsubsidized, Federal Stafford loans, that $25,000 would equate to over $40,000 in total payments! And don’t forget, these numbers only account for bachelor degrees; graduate school is often two or three times more expensive. So what's the best way to manage your student loans so you can quickly pay them off and move on with your life?  Here are some ideas to help you get started on the right path.

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