Identity theft claimed 16.7 million victims in 2017, racking up $17 billion in damages. Learn how this tool helps you deal with the aftermath of ID theft.
Source CBNNews.com http://bit.ly/2SfrzJP
الأربعاء، 6 فبراير 2019
Is Your W-2 Tax Form Less Than Your Salary? Why Your W-2 Appears Low at Tax Time
The W-2 is the tax form that defines your tax obligations, so it is important that you review it. Learn to understand the details of your W-2 form here.
Source CBNNews.com http://bit.ly/2DjCaJs
Source CBNNews.com http://bit.ly/2DjCaJs
How to Bank $40 Today If You Live in Pennsylvania
Do you live in Pennsylvania? Could you use 40 bucks?
Sure you could!
It doesn’t matter where in the Keystone State you live — Philly or Pittsburgh or Scranton or anywhere else. We’ve got a way for you to bank $40 for just a few minutes’ work.
It won’t cost you anything, and it won’t be a pain, we promise.
Here’s what you do:
Get a $20 Amazon Gift Card for Going Green
You can use your energy bill to support renewable energy — no matter where in Pennsylvania you live.
With renewable energy company Arcadia Power, you can offset your monthly energy consumption with 100% renewable sources in about two minutes.
Arcadia matches each kilowatt-hour of power you use with a kilowatt-hour of wind energy. Basically the company purchases certified renewable energy certificates in your name, so others can take advantage of clean energy in their area.
When you sign up your home or apartment (yup, renters are eligible, too!) with Arcadia, you’ll get a free $20 Amazon card.
Earn $10 Next Time You Shop
Sure, Ibotta is traditionally known as a cash-back app for groceries — and you can earn a heap of cash on your next haul — but you can also earn cash back on just about anything you purchase.
You can bank cash when you make an Amazon purchase, sign up for Hulu, book your next vacation or even order groceries through Shipt.
Penny Hoarder Carson Kohler earned $172 in just over a year’s time, thanks to the free app.
If you sign up now, you’ll snag a $10 bonus when you claim your first cash-back offer, and you can cash out once your balance hits $20.
Snag a Free $10 Walmart Card
One of our favorite ways to save is with Ebates, a cash-back site that rewards you nearly every time you buy something online. For example, Ebates gives you 10% cash -back on online purchases at Walmart.
Plus, you’ll get a free $10 gift card to Walmart for giving the site a try.
To earn your gift card:
- Sign up for Ebates with your email or Facebook account.
- Use the Ebates portal the next time you need to buy something. It’s connected to thousands of stores, including Walmart, Amazon and Target. You’ll need to make your first purchase through the site within 90 days and spend at least $25.
- Your account will be credited with rewards points you can cash in for your $10 Walmart gift card.
Mike Brassfield (mike@thepennyhoarder.com) is a senior writer at The Penny Hoarder. He could use 40 bucks.
This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017.
The Penny Hoarder Promise: We provide accurate, reliable information. Here’s why you can trust us and how we make money.
source The Penny Hoarder http://bit.ly/2DWi7SK
How to Find Out If You Have a Warrant
Worried there might be a warrant out for your arrest? How can you find out for sure?
Source Business & Money | HowStuffWorks http://bit.ly/2GukuxJ
Source Business & Money | HowStuffWorks http://bit.ly/2GukuxJ
How to Find Out If You Have a Warrant
Worried there might be a warrant out for your arrest? How can you find out for sure?
Source Business & Money | HowStuffWorks http://bit.ly/2GukuxJ
Source Business & Money | HowStuffWorks http://bit.ly/2GukuxJ
12 Little Lifestyle Tweaks and How Much They Save
Cutting spending is an essential part of everyone’s financial toolbox, especially if they’re just getting started on their own financial turnaround or they’re hoping to accelerate their financial journey.
The usual personal finance advice pushes people to look at the big expenses first. If you can cut out a sizable monthly bill, that’s great! For example, if you can cut out your cable bill, you’re probably saving somewhere around $100 a month, adding up to $1,200 a year. If you can trim your rent by $200 a month by moving and that doesn’t add other expenses to your life, that one single move can save you $2,400 a year. Those big moves really make a difference.
At the same time, it’s a big mistake to overlook the small moves that you frequently repeat. A move that can save you $1 a day adds up to $365 a year, which can make a big difference. Plus, such smaller moves often have much less life impact than a big splashy move.
One great way to see this principle at work is to examine a number of ways that people might trim their spending and see how much it adds up to over the course of a year. Often, a simple move that doesn’t save much on its own but comes up over and over and over again accumulates savings that’s on par with big moves.
Let’s take a look at ten such moves and how much they save (using a few assumptions to calculate the frequency of repetition).
Order water at restaurants Most of the time, when I go out to a restaurant, I order water as my beverage. I actually prefer it to a soft drink as the water allows me to enjoy the food itself more and doesn’t add extra calories to the meal. Water is almost always free, whereas the soft drink ranges anywhere from $1 to $3. We’ll go with the price of a large soft drink at McDonalds here as a “standard” price – $1.49. The average American eats out 1.8 times a week; if that person cuts out that soft drink each time, that adds up to $139.47 per year.
Make your own laundry soap I like to make my own powdered laundry soap by putting a cup of washing soda, a cup of borax, and a cup of soap flakes into a container and shaking it thoroughly, then simply using a tablespoon of this mix in each load of laundry. It does a wonderful job. I can buy a box of borax, a box of washing soda, and a bag of soap flakes at the store for about $14 total, which makes about 6 batches of my mix. Each batch handles 48 loads, so that’s a total of 288 loads for about $14, or about $0.05 a load. A large jug of Tide costs $18 and does 96 loads, or about $0.19 a load. If you do a load of laundry a day, mixing your own soap in this way (basically shaking a small container once every month and a half and buying a few things at the store once every nine months versus buying Tide at the store once every three months) saves $51.10 per year.
Eat a grilled cheese sandwich at home instead of a fast food burger. This is just a simple proxy for “eating at home,” but it was actually one of the exact steps that moved me towards eating out less often and eating at home more often. I would stop at a fast food place and drop $7 or so on a meal before I realized how much it was costing me. I remembered my lifelong love of a good grilled cheese, which consists of two slices of bread, two ounces or so of cheese, and a bit of butter, with a total cost of around $0.80. That’s a $6.20 savings. If I make that shift once a week, that adds up to $322.40 per year.
Buy five store brand items instead of name brand items per grocery store visit. Most store brand items are so similar to (or exactly the same as) name brand items that you can’t tell the difference aside from the packaging. Just by switching to store brand items on five purchases a week at the grocery store (I buy more store brands than this, in reality, but I’m keeping the estimate low), if you can simply save $0.50 per swap (this is definitely a low end average as well), that adds up to $130 per year.
Check a book or a DVD out from the library once a week instead of buying or renting one. Let’s say, hypothetically, that you buy a new book or movie once a month for a cost of $15 and then you rent movies three times a month at a cost of $2 per rental, for a total cost of $21 a month. You can replace all of that with a weekly trip to the library, where you have an enormous selection of books and movies to borrow for free. If you make that into your new routine and stop buying one DVD or book a month and stop renting movies, you’ll save $252 per year.
Adjust your thermostat temperature by one degree. This seems like it wouldn’t make much of an impact, but the DoE estimates that a one degree shift in your home temperature shaves 1% off of your average energy bill. Given that the average energy bill is around $110 a month, simply shifting your thermostat by one degree from your normal setting – lowering it in cold weather and raising it in warm weather – will save you $13.20 per year. Every additional degree repeats that savings.
Wash and rinse your clothes in cold water Most of the expense of washing and rinsing your clothes comes from the cost of heating the water. Changing from a warm wash / warm rinse setting to a cold wash / cold rinse setting saves $0.49 per load. If you do a laundry load every day on average, as our family does, this adds up to $178.85 per year.
Make your own cold brew coffee at home instead of buying Starbucks. A plain 16 ounce coffee at Starbucks runs $2.10 before tax. Using a simple cold brew coffee maker and a grinder, you can make 32 ounces of cold brew coffee at home for about $0.80 (including prorating 5 years of use of an inexpensive grinder and the maker) and then pour it and heat it in the microwave when you want it in the morning (just before you leave for the day, most likely). That means if you buy a 16 ounce cup of coffee each morning, you’ll save $1.70 a day on coffee by making cold brew yourself. If you make that switch every day, you’re saving $620.50 per year. The savings is even greater if you’re comparing a sweetened coffee at the shop versus using your own creamer and sweetener at home.
Make your own broth. Rather than throwing away leftover vegetables, vegetable scraps, and meat scraps and bones, save them and then once a month put all bones and scraps of one type along with your vegetable scraps into a slow cooker along with enough water to cover everything with a few inches to spare. Add a few tablespoons of salt, a few peppercorns, and a bay leaf and let it simmer all day. Strain it and save the liquid and you’ll have a couple of quarts of broth for any use. This whole process takes a few minutes at most. A quart container of broth at the store costs $2. If you do this once a month, you’ll save $48 a year and have incredibly delicious broth.
Ride a bike or walk to work if your commute is less than five miles. Not only does this serve as exercise for you, it also eliminates the cost of driving your car to and from work. The cost of fuel, oil, tire wear, other maintenance, and depreciation on even a short commute adds up to somewhere around $0.30 per mile. If you replace a three mile commute each way with a bicycle or walking and you do it five times a week for fifty weeks a year, that adds up to $450 per year and a significant improvement in fitness.
The point is this: there’s often a great deal of value to be found in tweaking the things you do every single day. If the new routine is similar in terms of effort, even squeezing out a cent or two each time you do that routine thing can add up to significant cash over the course of a year.
Examine your life. Look for things you do every day or at least a few times a week that involve spending money or using up something that costs money. Is there a better way to do that thing that eliminates or reduces that cost? Whenever you find a way to do that, even if it’s saving only a little bit, you’re saving quite a lot over the course of a year. It’s not a life-changing difference, but it’s one that will definitely show up in your checking account over time, especially if you discover and implement several such things at once.
Good luck!
The post 12 Little Lifestyle Tweaks and How Much They Save appeared first on The Simple Dollar.
Source The Simple Dollar http://bit.ly/2TzQapg
Savers could see rates nudge up
When the Bank of England slashed interest rates during the financial crisis, savings rates plummeted leaving people who rely on their savings for income struggling.
Rates for Isas, bonds and easy-access accounts have all stayed at rock-bottom levels for years.
However, there might be some light at the end of the tunnel. Many experts are predicting a rise in interest rates this year that could see savings rates nudge up.
With interest rates going up to 0.75% in August, the Bank of England has said that further rises may be on the cards.
However, much will depend on the Brexit deal secured by the government and the impact that this has on the economy.
Andrew Hagger, personal finance expert at Moneycomms, says: “We might see another base rate increase this year, maybe another quarter per cent, making it the third rise in the past three years.”
Marcus moves the market
Last year, Goldman Sachs launched its market-moving Marcus 1.5% easy-access savings account. In response, rates have risen across the board. Virgin Money has now matched it, while ICICI Bank has beaten it with a rate of 1.55%.
Mr Hagger says: “The competition in savings products certainly picked up in the latter part of 2018, and I expect that to continue this year.
“Marcus has given the other providers an impetus to up their game, so I think things are looking quite good for savers.”
However, these accounts do come with a catch. Virgin limits you to two withdrawals a year, while the Marcus rate includes a 0.15% bonus for the first year you hold the account. The ICICI rate has a 0.30% bonus for the first 12 months.
“Savings in a high street bank could earn you next to nothing”
Don’t dismiss unfamiliar products
Fixed-rate bonds also rose over the past year, going up on average from 1.31% to 1.51%.
The current top one-year deal is from Gatehouse Bank at 2.15%, better than best rate on offer this time last year, which was 1.85% from Al-Rayan Bank. Both offer an ‘expected profit rate’ (EPR) instead of traditional interest.
Mr Hagger says: “Consumers should not discount a provider just because they are not familiar with the name.
“A lot of smaller, less well-known brands are offering the better rates rather than the high street banks and most of them are back by the Financial Services Compensation Scheme, so your money is safe up to £85,000.”
It was also a good year for Isas. Average rates for fixed rate Isas went up from 1.16% to 1.42%, while the average for variable rate Isas went up from 0.70% to 0.86%.
Protect your savings from uncertainty
Anna Bowes, co-founder of savings advice site Savings Champion, says that it is impossible to predict what impact Brexit might have on savings rates.
She suggests savers looking to shelter themselves against a downturn should consider putting money into a fixed-rate bond to ensure a guaranteed return, instead of sitting in a low-paying, high street savings account. Ms Bowes says: “The good news is that fixed rates are at a higher level than they have been for some time.
“If your money is languishing in a high street bank, it could earn next to nothing unless you move it somewhere else.”
FEATURED PRODUCT
Marcus by Goldman Sachs
Marcus offers an easy-access savings account with an interest rate of 1.5% for the first 12 months.
However, this includes a 0.15% bonus for the first 12 months, meaning that after a year the saving rate will drop to 1.35%. Savers can withdraw their money as many times as they like, with no fees or charges.
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Source Moneywise http://bit.ly/2I8Sdzt
Over 175 Work-at-Home Jobs and Opportunities For Moms
Do you dream of working from home? Well, good news! We have a huge list of work-from-home companies that regularly hire individuals for work-at-home jobs. Some positions are freelance, some are independent contracting, and others are full-time jobs with benefits. The companies listed at the top under, Companies Hiring This Week, are newly posted job […]
The post Over 175 Work-at-Home Jobs and Opportunities For Moms appeared first on The Work at Home Woman.
Source The Work at Home Woman http://bit.ly/2GuczQT
Fund briefing: risks and rewards of contrarian investing - should you consider it?
We look at the risks and rewards of taking a contrarian view of the stock market, buying when share prices are falling and selling when they are rising
One of the best ways to make money is buying unloved stocks and then watching their share prices soar as they prove the experts wrong. It’s an approach that requires a certain amount of bravery, but the rewards can be good.
Companies can find themselves shunned by investors for a variety of reasons. They may be in sectors whose futures are under threat, focused on export markets that are mired in political uncertainty, or simply being punished for failing to hit targets.
These factors can affect the share price. When sentiment swings against them, even highly profitable companies in flourishing areas can see their valuations plummet. The stock market is an unforgiving environment but doesn’t always get it right.
It is virtually impossible for individual investors to identify companies that have been undervalued. It requires a level of research and access to senior management most won’t have.
This is where so-called contrarian fund managers have a role to play. They will take the consensus view on stocks, sectors and countries, and use their resources to search for evidence that it is wrong or that an important piece of the story has been overlooked.
Contrarian managers will usually then buy when share prices are falling – or have already fallen significantly – according to Justine Fearns, research manager at Chase de Vere.
Being contrarian sounds simple but it can be hard to achieve
“The contrarian investor then waits for a catalyst for change and a turnaround in the fortunes of that asset, which means mainstream investors begin to buy and the asset price rises,” she explains. “When the price has risen, the contrarian investor will then look to sell.”
The whole premise, therefore, is buying at a low price when others are selling, and then selling at a higher price when others are buying. It might sound simple in theory, but the reality is that it can be far harder to achieve.
“A contrarian approach requires clarity of process, a long-term view and, at some points, a very sturdy character,” adds Ms Fearns. “It’s not easy to turn your back on prevailing investor sentiment and strike out on your own path.”
Quick guide: Are contrarian funds right for me?
Consider investing if…
- You don’t always want to go with the consensus
- You are patient
- You want a manager that doesn’t follow the herd
One of the most famous contrarian investors in recent history is Neil Woodford who studiously ignored technology companies during the dot-com boom almost 20 years ago while he was at Invesco Perpetual.
Despite being widely derided for his stance at a time when the value of any internet-linked company was going through the roof, he stayed true to his convictions. When the bubble eventually burst, he was vindicated and his reputation was made.
Contrarian investing is not without risk. There are plenty of reasons why the expected turnaround in fortunes of a company may never happen or takes years to occur, consigning the company to spending years out of favour.
In fact, rather than improving, a company’s situation may deteriorate dramatically and wipe out your entire investment.
Ms Fearns favours contrarian funds with a clear and well-articulated process, managed by an experienced manager and/or team that has a proven record of success.
“The focus should not be solely about buying cheap assets,” she says. “There should be a variety of stocks in the portfolio at different stages of recovery and relating to different types of opportunity, such as management and structural change.”
This style of investing can feel very uncomfortable as you are basically doing the opposite to everyone else and often have to wait for an investment to come good, points out Darius McDermott, managing director of Chelsea Financial Services.
“A contrarian investor can be very early – or wrong – for a long time and this can really impact performance,” he says. “You have to be patient as it can be very rewarding over the long term because if the manager is right, they can make a lot of money.”
There is not a specific sector catering for contrarian funds.
Suitable funds for a contrarian approach are found in a variety of sectors
It is all down to the approach of individual managers, which means suitable funds for those wanting such an approach can be found in a wide variety of investment sectors.
Mr McDermott cites Alastair Mundy, manager of the Investec Cautious Managed fund, as someone who has a tried-and-tested contrarian approach to managing equities, and also rates William Lam at Invesco Asian.
Irrespective of the manager’s credentials, however, contrarian investing won’t be a smooth ride.
“Investors should expect volatility when investing in this type of fund,” he adds.
“They should look for a manager who sticks to their process, even when it is really uncomfortable to do so, and even when the style has been out of favour for a long time.”
One to watch: Jupiter UK Special Situations
The aim of the fund, which has been managed by Ben Whitmore for 12 years, is obtaining capital growth by exploiting special situations, principally within the UK. Its focus will be on buying into equities that the manager believes to be undervalued.
This fund, which currently holds 33 stocks, is managed with a distinct contrarian and value-based approach, according to Darius McDermott, managing director of Chelsea Financial Services.
“It offers investors access to a reasonably diversified portfolio of large and mid-cap UK stocks,” he says. “Ben’s approach has led to long-term outperformance, and there is a lot to recommend about this fund,” he says.
Shares in the portfolio are held for the long term, with Mr Whitmore being sceptical of share forecasts as he believes them to be inherently unpredictable. As a result, analysis is carried out using historic data.
Its 10 largest holdings account for just over 40% of assets under management, according to the most recent fund factsheet. Large-cap names account for 70.9% of the fund, with 14% in mid-caps and 1.4% in small. Currently, 13.8% is held in cash.
Oil giant BP is the biggest name with a 6.8% position, followed by Aviva with 4.8%, GlaxoSmithKline on 4.5% and Imperial Tobacco with 4.4%. Other prominent names in the list include Barclays and Royal Bank of Scotland.
Value of £100 invested in the fund over five years*
| Year | 2014 | 2015 | 2016 | 2017 | 2018** |
|---|---|---|---|---|---|
| Fund percentage movement in year (%) | 3.71 | 0.18 | 22.44 | 9.21 | -5.54 |
| Value of £100 ***(£) | 134.05 | 134.29 | 164.42 | 179.56 | 171.11 |
** To 12 December 2018 *** The £100 was invested on 1 January 2013 Source: Moneywise.co.uk
| Manager | Ben Whitmore |
| Launch date | 3 June 199 |
| Fund AUM: | £1.9 billion |
| Minimum initial investment | £500 |
| Min top-up investment | £250 |
| Initial charge | 0% |
| Ongoing charge | 1.74% |
| Annual management fee | 1.5% a year |
| Contact details for retail investors | 0800 561 4000 |
* Fees and investment amounts may be lower when investing through a platform.
ROB GRIFFIN writes for the Independent, Sunday Telegraph and Daily Express.
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Source Moneywise http://bit.ly/2SwUc4l
How These Women Created Their Own Work-at-Home Jobs
Would you like to start a business from home, but you don't know where to start or what to do? Do you need a dose of inspiration? Check out these amazing women’s entrepreneurial success stories on how they got started working from home and pursuing their dreams of self-employment; it will give you the motivation […]
The post How These Women Created Their Own Work-at-Home Jobs appeared first on The Work at Home Woman.
Source The Work at Home Woman http://bit.ly/2DVz67N
The Case Against Airline Miles (and Four Rewards Strategies to Consider Instead)
For a long time, I’ve had a love-hate relationship with airline miles. I love it when they work the way I want them to, but I get annoyed when they become more hassle than they’re worth.
It’s true that airline miles are one of the most lucrative travel currencies available. I’ve used miles to book numerous overseas trips for my family, often getting up to four cents per mile in value for trips to the Caribbean and Europe. On the flip side, I’ve been in way too many situations where I can’t find award availability for the dates I want to fly — or I can find award availability for one or two seats, but not the four I need for my family.
Case in point: Recently, I was looking for four award seats for flights to Italy for one of our upcoming trips in 2019. I checked all the different frequent flyer programs I have miles with, including American AAdvantage, Delta SkyMiles, and Air France/Flying Blue. I also checked with airlines that allow you to transfer points from Chase Ultimate Rewards and Citi ThankYou Rewards since I have a stash of points with each.
Even though I have over 400,000 American AAdvantage miles, I couldn’t find four award seats into an Italian airport I would consider within the date range we wanted. I did find four award seats on Air France/Flying Blue for our dates and destination, but the price of the flights surged from 22,500 miles one-way to over 40,000 miles when I tried to book four seats instead of two.
And don’t even get me started on trying to use airline miles over the holidays or spring break. Not only do airlines limit award seats during busy travel periods, but they sometimes block availability altogether. This can make airline miles worthless if holidays and busy travel periods are the only time you can use them.
The bottom line: Earning airline miles can be easy thanks to airline and travel credit cards, but redeeming them isn’t always a walk in the park. For that reason, many travel enthusiasts focus less on accruing airline miles and more on strategies that don’t require you to jump through so many hoops. If you’re tired of earning miles that are hard to use, here are a few ideas you can try instead.
Pick Up a Flexible Travel Credit Card Instead
If you’re tired of trying to find award seats for the flights you want, you could always pick up a travel credit card that offers flexible travel credit instead of airline miles. The Barclaycard Arrival Plus World Elite Mastercard is a popular option in this category, along with the Capital One Venture card.
Instead of miles that you can redeem with a specific airline, both these cards offer “miles” you can redeem for any type of travel, including airfare with any airline. Both of these cards also give you 2x miles for each dollar you spend, making it easy to accrue miles quickly. Each mile is also worth one cent each, and you can use them for any flight — even over busy travel periods like the holidays.
Shop Airfare Deals
Whether or not you opt to earn flexible travel credit, you can spend some time searching for airfare deals. For my 2019 travel plans, I used airline miles for some of our trips and paid cash when using miles was a poor value. As an example, I paid a little over $400 per person for round-trip flights into London and home from Edinburgh, Scotland, on Finnair in July. We also scored round-trip flights to Norway for around $600 each in June, which is a steal.
My favorite places to search for airfare sales include The Flight Deal and SecretFlying.com. Both websites feature airfare sales as they pop up, although the sales rarely last for more than a day or two, so you have to be ready to book.
I also find cheap prices on airfare by using Google Flights to compare prices to different destinations and regions of the world. With Google flights, you can even compare prices among multiple airports and on different dates to find the best deals available.
Earn Flexible Points You Can Transfer
Here’s another strategy to consider if you’re tired of earning miles for a specific airline: Pick up a flexible travel credit card that lets you transfer points to multiple airline and hotel options. The Chase Sapphire Preferred is a popular card for people who want this flexibility, since it lets you transfer points at a 1:1 rate to popular airline loyalty programs like Southwest Rapid Rewards, United MileagePlus, British Airways, and JetBlue.
By having a card that lets you transfer points to more than one airline, you’ll never be stuck with miles you can’t use. You can search for award availability among participating partner airlines first, find the best option, then transfer your points and book your flights. Also note that Chase Ultimate Rewards lets you book flights directly with any airline through their travel portal, so that’s always an option to consider.
Earn Cash-Back Instead of Miles
Finally, don’t forget about the power of earning cash-back rewards instead of travel rewards. The best cash-back credit cards let you earn points you can redeem for cash back and statement credits, which you can easily use to cover all or part of the cost of the flights you want.
Most cash-back credit cards make it easy to earn points over time, and many even offer up to 5% back in categories that rotate every quarter along with a valuable signup bonus. The best part is, most cash-back credit cards are also free of annual fees.
The Bottom Line
If you’re tired of dealing with airline miles, you are not alone. The archaic nature of airline loyalty programs makes it difficult to redeem miles the way you want unless you’re flexible about where you travel and when.
Fortunately, there are plenty of other ways to earn rewards that are easier to cash in for the travel you want. Explore your options and find a strategy that works for you without all the headache. Airline miles or not, you can find a way to score cheap flights and see the world.
Holly Johnson is an award-winning personal finance writer and the author of Zero Down Your Debt. Johnson shares her obsession with frugality, budgeting, and travel at ClubThrifty.com.
More by Holly Johnson:
- How to Use Rewards Points and Miles When You Can’t Afford to Travel
- Can You Score Better Travel Deals Using VPN?
- Three Times Travel Deals are Actually More Expensive
The post The Case Against Airline Miles (and Four Rewards Strategies to Consider Instead) appeared first on The Simple Dollar.
Source The Simple Dollar http://bit.ly/2GczZv4
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