travel http://www.wisebread.com/taxonomy/term/12026/all en-US 10 Easy Ways to Get Your Finances Fit For Summer http://www.wisebread.com/10-easy-ways-to-get-your-finances-fit-for-summer <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/10-easy-ways-to-get-your-finances-fit-for-summer" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/mother_son_hammock_000084288399.jpg" alt="Woman getting her finances fit for summer" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Summer is just around the corner, and the warm weather and extra free time can put a big ding in your finances. Stay proactive about potential summertime overspending by implementing these smart strategies that'll have you headed into the season financially fit.</p> <h2>1. Review Your Current Budget</h2> <p>It's always a good idea to take stock of your current expenses to determine where you can save. This means reviewing your recurring expenses by taking a hard look at your debit and credit card activity. If you have memberships or subscriptions that you barely use and can live without it, ditch 'em. The more dead weight you can unload, the more extra &quot;free&quot; money you'll have to start your summer fund.</p> <h2>2. Establish a Summer-Activity Budget</h2> <p>I'm very much a planner, and as a result I generally know what my summer plans are well ahead of time. The great thing about planning ahead is that you can get a good picture of your upcoming expenses and start saving accordingly. It's easy to establish a summer activity budget that maps out all the fun things you plan to do along with their associated costs. And if your plans change, you can tweak it accordingly.</p> <h2>3. Compare Transportation and Lodging for Travel</h2> <p>One of the biggest mistakes I notice from self-proclaimed savvy spenders and savers is that they sometimes hop on a deal too quickly. Sure, they're using discount sites to score savings on lodging and transportation, but is it really the best deal available? I always recommend comparing prices between multiple sites, and don't just limit yourself to your go-to savings depots. In fact, I've gotten better deals going directly to the hotels or airlines' websites at times.</p> <p>And here's another tip: Pick up the phone! Very few of us dial our vacation service providers to see what promotions they may be offering, and it could pay off big. It's worth spending the 10 to 20 minutes scouting the best buys. A few extra dollars saved are a few extra dollars that you can use for a nicer meal or fun activity while you're on vacay.</p> <h2>4. Explore Low-Cost Kids' Activities</h2> <p>Child care &mdash; especially of the all-day variety during the summer months &mdash; can zap your budget quickly. But there are several ways you can minimize those costs. Patty Cathey, an investment advisor in Denver, Colo., offers a few ideas on child care alternatives.</p> <p>&quot;Look into summer camps through your city recreation department, community center, or YMCA. Many churches or religious groups also offer affordable camps. As far as amusement parks, the zoo, or museums go, hold out for promotional offers, which are frequent in the summer. LivingSocial and Groupon often is a good resource for lower admission. And many communities offer free or cheap things for kids and families to do in the summer. The local library has educational activities, and there are free or cheap outdoor summer concerts, parades, and town festivals to take advantage of as well.&quot;</p> <p>And let's not forget one of my favorite summertime promotions &mdash; <a href="http://www.kidsbowlfree.com/">free bowling for kids</a>. Registered kids receive two free games of bowling <em>per day </em>at participating locations.</p> <h2>5. Cut Your Energy Expenses</h2> <p>I'll be the first one to admit the my air conditioner goes on if it's above 60 degrees outside at bedtime. But, I do try to cut energy costs wherever I can. For one, I grill outside more often in the summer, which reduces the amount of dishes I'm using on a daily basis, thus extending the time between my dishwasher cycles. Lights are turned off in favor of natural sunlight, and curtains and blinds are closed to keep too much sun from coming in if it's particularly hot outside. I water plants from a watering can instead of letting the hose run nonstop, and drying clothes outside is a pocket-wise way to avoid using the dryer during the summer.</p> <p>Cathey has a few more tips.</p> <p>&quot;You could save close to $200 over the course of the year by installing a <a href="http://amzn.to/1UmaQOl">programmable thermostat</a> and setting the temperature back 10 to 15 degrees for the hours you're at work,&quot; she says.</p> <h2>6. Take Advantage of Seasonal Sales</h2> <p>There are lots of sales during the summer season that can help you score big savings if you strike while the iron is hot. Groceries can be especially taxing during the summer &mdash; all those BBQ meats and fresh fruits and veggies aren't cheap &mdash; but you'll get the most for your money by comparing circulars, locating the best deals in your area, and stacking your coupons and apps, like Cartwheel, Ibotta, and Checkout 51.</p> <p>Savings expert Jill Cataldo recommends <a href="https://flipp.com/">Flipp</a>, a free app that gathers all the store circulars in your area in one easy-to-use platform.</p> <p>&quot;Use Flipp to plan your weekly grocery trips, and you'll enjoy its coupon-matching feature, which automatically points out additional discounts available on what you're buying at the supermarket,&quot; she says. &quot;When you can seamlessly save 20% to 70% on items you're shopping for every week, that adds up to big savings throughout the year.&quot;</p> <h2>7. Harness the Power of Old and Discounted Gift Cards</h2> <p>I love going through my wallet at the beginning of the summer to see what gift cards I have leftover, so that I can use them to save on dining or shopping while on vacation. Another great way to use gift cards is to buy them at discount &mdash; the idea of which is to spend less for the actual amount on the card even though it retains its full value. <a href="https://www.raise.com/buy-gift-cards">Raise's</a> marketplace allows people to save money and afford all the things to do during summer in two ways:</p> <ul> <li>People that have old or unwanted gift cards can sell them and get cash back, which is a great way get extra money towards summer fun.</li> </ul> <ul> <li>Outlet lovers can buy gift cards at a discount and use the money they would have spent on other things such as going on vacation, having BBQs, and more.</li> </ul> <p>With 4,000 different retailers' gift cards for sale, it's easy to trade on this great source of value.</p> <h2>8. Add a Side Hustle to Your Schedule</h2> <p>If you have summer plans that exceed your budget, all may not be lost. Perhaps it's time to start thinking about picking up a side hustle, like renting out a room in your home on Airbnb, dog sitting for locals through DogVacay, or driving for a ride-sharing service like Uber or Lyft. The social and sharing economy is thriving, and there's a place for you in it &mdash; guaranteed. I always advocate for the side hustle when you're strapped for cash, because in most cases it's relatively easy work. In other words, if you're complaining that you don't have enough money, there are options ready and waiting for you. (See also:&nbsp;<a href="http://www.wisebread.com/5-unexpected-side-benefits-of-your-side-hustle?ref=seealso" target="_blank">5 Unexpected Side Benefits of Your Side Hustle</a>)</p> <h2>9. Rely on Cold, Hard Cash More Often</h2> <p>It's convenient to swipe your plastic wherever you go, but studies show that using cash as your currency of choice limits the amount you'll spend. In fact, a study conducted by Dun &amp; Bradstreet revealed that we spend 12% to 18% more when using debit or credit card opposed to dolla-dolla bills.</p> <p>Hard-money lending expert Elizabeth Jenkins details an idea on how to use cash to spend less.</p> <p>&quot;Allocate your cash budgets into weekly envelopes,&quot; she says. &quot;Have an envelope for weekly food, fun, gas, rent, etc., and make sure to close them. You'll find a feeling of guilt as you take money from an envelope to pay for something unrelated to that budget.&quot; (See also: <a href="http://www.wisebread.com/a-comprehensive-guide-to-the-envelope-system?ref=seealso">A Comprehensive Guide to the Envelope System</a>)</p> <h2>10. Change the Way You View Spending</h2> <p>Retail therapy feels good &mdash; until it doesn't. To curb spending, it's important to start viewing it as a necessity opposed to a recreational activity. Instead, focus on more important activities that increase your well being, instead of adding more clutter to it with material things.</p> <p>&quot;Spending can be addictive,&quot; Jenkins warns. &quot;Work on spending 'time' on things rather than money. Pick up an exercise routine, start a hobby, work on your house, or any other number of time consuming projects. Transfer your energy into projects that may cost some amount money, but will help your job, home, or family in the long run.&quot;</p> <p><em>What are some ways you're getting your finances fit for summer? I'd love to hear your tips and suggestions in the comments below.</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/mikey-rox">Mikey Rox</a> of <a href="http://www.wisebread.com/10-easy-ways-to-get-your-finances-fit-for-summer">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-surprising-way-birth-order-decides-your-money-habits">The Surprising Way Birth Order Decides Your Money Habits</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-morning-mantras-that-ll-help-keep-your-finances-on-track">8 Morning Mantras That’ll Help Keep Your Finances on Track</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/15-personal-finance-rules-you-should-be-breaking">15 Personal Finance Rules You Should Be Breaking</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/save-more-gas-by-safely-following-trucks">Save More Gas by Safely Following Trucks</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-things-you-must-do-before-you-quit-your-job">5 Things You Must Do Before You Quit Your Job</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Personal Finance budgeting cutting costs energy summer transportation travel warm weather Tue, 03 May 2016 10:00:11 +0000 Mikey Rox 1702381 at http://www.wisebread.com What Exactly Does Travel Accident Insurance Cover on Credit Cards? http://www.wisebread.com/what-exactly-does-travel-accident-insurance-cover-on-credit-cards <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/what-exactly-does-travel-accident-insurance-cover-on-credit-cards" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock_000072157925_Small.jpg" alt="" title="" class="imagecache imagecache-250w" width="250" height="135" /></a> </div> </div> </div> <p>We all know that rewards credit cards can offer points, miles, and cash back for your spending, but many people overlook another valuable aspect of these products, their cardholder benefits. Many people don&rsquo;t bother looking beyond the most obvious benefits of their credit cards, but there are a lot of built-in protections and insurance that you might find useful. One of these little-known benefits is travel accident insurance. (See also: <a href="http://www.wisebread.com/10-awesome-credit-card-perks-you-didnt-know-about?ref=seealso">Awesome Credit Card Perks You Didn&rsquo;t Know About</a>)</p> <h2>How Travel Accident Insurance Works</h2> <p>Travel accident insurance is a sort of life insurance while traveling. If an accident causes your death or dismemberment, your credit card may provide some financial support to your beneficiaries. Credit cards offer travel accident insurance to cardholders and their families when they pay for their travel with their card. So if a cardholder purchases a train ticket with a credit card that includes a travel accident policy, he or she can receive a benefit if they are seriously injured as a result of a train accident.</p> <p>Travel accident policies can cover so-called common carriers which include airplanes, buses, boats, trains, or even helicopters, as long as tickets are sold to the general public and it operates on a regular schedule. As a result, this provision excludes privately chartered transportation, and rental vehicles that are privately operated, other than rental cars.</p> <p>These policies can vary depending on the company that issues your credit card, and even the type of credit card that you use. Many <a href="http://www.wisebread.com/top-5-travel-reward-credit-cards">travel rewards cards</a> will include it. Here are some of the details of the coverage offered by major card issuers, but you should always verify coverage with your card issuer.</p> <h2>American Express</h2> <p>Amex offers some form of travel accident insurance with most of its cards. For example, its basic Green Card offers a maximum of $100,000 of coverage for loss of life, limb, or sight, so long as cardholders pay for their common carrier transport using their card, while its top of the line <a href="http://www.wisebread.com/amex-platinum-do-the-perks-justify-the-fee ">Platinum Card</a> features $500,000 worth of coverage. This policy applies to the cardholder's spouse, domestic partner, and dependent children under 23 years old. While this policy covers trips purchased by directly redeeming Membership Rewards points, it specifically excludes reservations purchased in whole or in part with frequent flyer miles. The <a href="http://www.wisebread.com/cashing-in-at-the-supermarket-blue-cash-preferred-card-from-american-express-review">Blue Cash Preferred Card from American Express offers 6% cash back at U.S. supermarkets</a> (up to $6,000 in purchases each year). Terms and restrictions apply.</p> <h2>Citi</h2> <p>Citi offers worldwide travel accident insurance of up to $1 million to cardholders who are permanent residents of the 50 United States or the District of Columbia. The coverage applies to the cardholder as well as their spouse, domestic partner, dependent children, and anyone designated as an authorized driver or covered by the rental car agreement. So long as you pay for the entire reservation with your Citi card, you are covered against death as well as loss of a limb, sight, speech, or hearing. Coverage also applies if you are missing for more than a year. As with most travel accident policies, acts of war are excluded as well as coverage for those who are participating in illegal activity. And interestingly enough, you are also covered when you book an award ticket using American Airlines AAdvantage miles, as Citi is a partner with American. Our favorite cards from our partner Citi are the <a href="http://www.wisebread.com/citi-platinum-select-aadvantage-world-mastercard-review">AAdvantage Platinum Select MasterCard</a>, which offers double points for American Airlines purchases, and the&nbsp;<a href="http://www.wisebread.com/citi-double-cash-rewards-card-pays-you-to-pay-off-your-debt">Double Cash Rewards Card</a>, which&nbsp;is one of the <a href="http://www.wisebread.com/5-best-cash-back-credit-cards">best cash rewards credit cards</a> available.</p> <h2>Chase</h2> <p>Chase also offers travel accident insurance on many of its cards. Cards that are part of the Visa Signature program cover not just the traveler's spouse, domestic partner, and dependent children, but even extended family traveling together such as grandparents, grandchildren, aunts, uncles, nieces, and nephews. This benefit covers accidental death, dismemberment, loss of speech, sight, and hearing. Furthermore, it even covers cardholders when they pay for their tickets using their frequent flyer miles or other award points, as long as those rewards were earned through a program sponsored by Chase Bank such as United Airlines or Southwest. The amount of coverage is up to $500,000. Further, the <a href="http://www.wisebread.com/chase-sapphire-preferred-review-500-signup-bonus">Chase Sapphire Preferred Card</a>&nbsp;currently offers a 50,000 sign up bonus to new cardholders.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/jason-steele">Jason Steele</a> of <a href="http://www.wisebread.com/what-exactly-does-travel-accident-insurance-cover-on-credit-cards">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-6"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/more-rewards-more-benefits-the-jetblue-plus-card">More Rewards, More Benefits: The JetBlue Plus Card</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/best-rewards-card-the-starwood-preferred-guest-credit-card-from-american-express">Best Rewards Card: The Starwood Preferred Guest Credit Card from American Express</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/smarter-security-and-no-foreign-transaction-fees-the-best-credit-cards-to-use-while-on-vacation">Smarter Security and No Foreign Transaction Fees: The Best Credit Cards to Use While on Vacation</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-best-credit-cards-that-transfer-points-to-airline-miles">5 Best Credit Cards that Transfer Points to Airline Miles</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/capital-one-venture-rewards-card-review">Travel Rewards Doesn&#039;t Get Easier Than This: Capital One® Venture® Rewards Credit Card</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Credit Cards Travel accident insurance credit card reviews travel Fri, 15 Apr 2016 10:30:05 +0000 Jason Steele 1667189 at http://www.wisebread.com 12 Ways to Save and Make Money While Traveling http://www.wisebread.com/12-ways-to-save-and-make-money-while-traveling <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/12-ways-to-save-and-make-money-while-traveling" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/000068178575.jpg" alt="Woman finding ways to save and make money while traveling" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>What is the sharing economy, and how can it work for you? Based on the principle that people can share excess goods, peer-to-peer, it's a way to get what you need and share what you no longer use without a corporate middleman.</p> <p>The sharing economy brings a practice formerly reserved for small transactions among friends to a regional, or even global scale. Now you can rent the extra room in your house to a complete stranger for cash, or you can share your knack for making excellent chicken pot pie with more than just your friend circle by hosting people you don't know yet for dinner &mdash; for a fee.</p> <p>At first, I was skeptical. Sharing my time and space with perfect strangers seemed like an odd and even dangerous way to make a buck. However, with newcomers exploding onto the scene all the time, changing the way we do business with each other, it started to become financially irresponsible <em>not</em> to at least dabble. These days, harnessing the sharing economy is my primary way of saving money when I travel, which is 365 days of the year.</p> <p>Here are some of the most clever ways to utilize the sharing economy before and during your travels to save money for your trip, and once you're on the road.</p> <h2>1. AirBnB</h2> <p><strong>Before you go</strong>: Paying rent can seriously eat into travel savings, but you can make some money while you're away by renting out your place at AirBnB. If you're not using it, you may as well make it work for you. Some people make a <a href="http://www.wisebread.com/this-is-how-you-rent-your-place-on-airbnb-and-succeed">sizable chunk of earnings</a> off this service alone. Make sure to look into the rules and regulations for holiday rentals in your area, and check with your landlord, if you have one, before listing your place.</p> <p><strong>On the road</strong>: While traveling, renting rooms with AirBnB will often prove much cheaper than hotel rooms &mdash; while providing access to a kitchen for cooking rather than eating out, and lending to a more local experience. I found that in many countries, a private room with an ensuite bathroom was even cheaper than a shared dorm room in a hostel. Who would have thought? (See also: <a href="http://www.wisebread.com/25-hotel-hacks-from-professional-travelers?ref=seealso" target="_blank">25 Hotel Hacks From Professional Travelers</a>)</p> <h2>2. Camp in my Garden</h2> <p><strong>Before you go</strong>: If renting out space within your home isn&rsquo;t an option, <a href="http://campinmygarden.com">Camp in my Garden</a> allows you to rent out your yard. That's a space that you probably don't use 24/7, so why not rent it out?</p> <p><strong>On the road</strong>: If you love camping and want cheap digs, consider taking your tent along and turning places that previously seemed impossible for campers (like urban spaces) into a whole new travel experience.</p> <h2>3. JustPark</h2> <p><strong>Before you go</strong>: Say you don't even have space in your backyard, but there's a parking spot you're not using that you could rent out from time to time &mdash; like when you're at work &mdash; in an area where parking is limited. Make that spot work for you by renting it out on <a href="https://www.justpark.com/">JustPark</a>.</p> <p><strong>On the road</strong>: Parking lot fees and expenses can add up quickly. Look into the options near you, and see if you can save some money by parking with a local who has excess space.</p> <h2>4. Uber</h2> <p><strong>Before you go</strong>: If you live in a city or live your life in such a way that you truly need a car, make up for this expense by <a href="http://uber.7eer.net/c/27771/207645/3437">giving rides to people through Uber</a>. Both drivers and passengers have peer reviews, and no money is exchanged between parties, making it a safer and easier transaction.</p> <p><strong>On the road</strong>: Uber exists all over the world, including most of Europe, South Africa, and even India. It's often a much cheaper, less scammy, and safer alternative to a taxi. It was my chief method of getting around in Johannesburg, South Africa, which doesn't have public transport and isn't safe to walk around. And I felt safer since the app tracked me from pick-up to drop off.</p> <h2>5. FlightCar</h2> <p><strong>Before you go</strong>: If Uber isn't your cup of tea, or if you don't have time to devote to driving, rent your car out to others on <a href="https://www.flightcar.com/">Flightcar</a>. Save the fees you'd pay to the parking meter and make your car work for you when you aren't using it.</p> <p><strong>On the road</strong>: In true sharing economy fashion, while someone else is making use of your car, do the same by renting a car that&rsquo;s already sitting at the airport from another traveler, and enjoy ultimate vacation flexibility for less than a rental from the big guys.</p> <h2>6. Relay Rides</h2> <p><strong>Before you go</strong>: If you don't have time to drive others around and don't have any trips coming up, rent your car out short-term with <a href="https://relayrides.com/">Relay Rides</a>. Rentals can be as short as an hour or two.</p> <p><strong>On the road</strong>: Don't need a car for a full several days or weeks? Just rent a car for an hour to get across town and back if that's all you need.</p> <h2>7. SpinLister</h2> <p><strong>Before you go</strong>: Do you have a bike that's collecting dust? Do you go away for long periods of time, leaving your wheels idle? Rent it out to others on <a href="https://www.spinlister.com/">SpinLister</a> when you don't need it yourself.</p> <p><strong>On the road</strong>: Day-use bicycle rentals can become costly, especially in big cities or beach towns. In much of Europe, for example, a bicycle is the easiest and cheapest way to get around, so look into renting from a local rather than a company to save some cash.</p> <h2>8. EatWith</h2> <p><strong>Before you go</strong>: Are you a talented chef? Take your dinner party game past your circle of friends and invite guests to come together at your dinner table for a fee with <a href="http://www.eatwith.com/">EatWith</a>. Run your own restaurant from home.</p> <p><strong>On the road</strong>: EatWith is a great resource for solo travelers and groups alike. Share the cost of a private chef with several people, and make new friends in the process. (See also: <a href="http://www.wisebread.com/31-super-smart-travel-hacks?ref=seealso" target="_blank">31 Super Smart Travel Hacks</a>)</p> <h2>9. Vayable</h2> <p><strong>Before you go</strong>: Are you particularly knowledgeable about the area where you live? If your town or city gets a fair amount of tourist traffic, there could be an opportunity for you to show people around and share your local knowledge for some cash through <a href="https://www.vayable.com/">Vayable</a>. Get creative: tours can be as niche as showing people around the best organic farmers markets in San Francisco, or a walking tour of Berlin's street art, for example.</p> <p><strong>On the road</strong>: Tour companies can be expensive. What better way to get to know a place than by checking it out with a local and meeting other travelers in the process? (See also: <a href="http://www.wisebread.com/5-cheap-fun-fall-getaways?ref=seealso" target="_blank">5 Cheap, Fun Fall Getaways</a>)</p> <h2>10. Thredup</h2> <p><strong>Before you go</strong>: What is sitting in your closet that you haven&rsquo;t worn for a year or more? Pick through the racks and let go of the things that you no longer use, and rather than getting pennies on the dollar at a consignment store, try selling on <a href="http://click.linksynergy.com/fs-bin/click?id=g519OIyP0is&amp;offerid=395939.79&amp;type=3&amp;subid=0">Thredup</a> to your peers.</p> <p><strong>On the road</strong>: Do you live in a warm climate but are heading somewhere cold for a few days? I found myself in this situation as a Californian packing for Iceland without many warm clothes. Quality winter gear can get expensive, so I had to get creative. Are you in a similar position? Buy gently used clothes you need for your journey for way less. (See also: <a href="http://www.wisebread.com/15-things-in-your-closet-you-can-throw-out-today?ref=seealso" target="_blank">15 Things in Your Closet You Can Throw Out Today</a>)</p> <h2>11. Yerdle</h2> <p><strong>Before you go</strong>: Have you ever bought something that you simply didn't end up using? Get rid of the guilt by selling those items through <a href="https://yerdle.com/">Yerdle</a>, and get more money for your items than you would by selling them to a used goods store.</p> <p><strong>On the road</strong>: Have you been aching for a new camera for your trip but can't shoulder the cost? Get brand new goods for your travels for cheaper.</p> <h2>12. Fon</h2> <p><strong>Before you go</strong>: <a href="https://corp.fon.com/en">Fon</a> allows you to share your Wi-Fi connection remotely with those passing through the area. Share the costs of that expensive Internet connection!</p> <p><strong>On the road</strong>: If you're like me, you still need to work on the road from time to time, and Wi-Fi can be a pain to find in some places, and quite costly to boot. Find cheaper connections by harnessing Fon's network.</p> <p>There are many creative ways to make the sharing economy work for you while benefiting others who are in the same situation. Thanks to new companies popping up every day that harness ways to directly share excess items or skills, saving up for a trip and preserving funds on the road keeps getting easier.</p> <p><em>What do you think? Would you give these companies a try? If you have, tell us about your experience in the comments!</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/kristin-addis">Kristin Addis</a> of <a href="http://www.wisebread.com/12-ways-to-save-and-make-money-while-traveling">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-3"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-easy-ways-to-budget-for-summer-vacation">7 Easy Ways to Budget for Summer Vacation</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-fun-ways-the-sharing-economy-helps-you-save-on-vacation">5 Fun Ways the Sharing Economy Helps You Save on Vacation</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/flashback-friday-the-95-best-ways-to-get-fit-for-free">Flashback Friday: The 95 Best Ways to Get Fit for Free</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-travel-full-time-for-17000-a-year-or-less">How to Travel Full-Time for $17,000 a Year (or Less!)</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-ways-to-get-free-or-almost-free-airline-tickets">10 Ways to Get Free (or Almost Free) Airline Tickets</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Budgeting Travel extra income making money saving money travel travel budget Tue, 29 Mar 2016 09:00:16 +0000 Kristin Addis 1645848 at http://www.wisebread.com 6 Tricks to Making the Most of Your Reward Miles http://www.wisebread.com/6-tricks-to-making-the-most-of-your-reward-miles <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/6-tricks-to-making-the-most-of-your-reward-miles" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock_000062837326_Large.jpg" alt="making the most of travel rewards miles" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>After using <a href="http://www.wisebread.com/top-5-travel-reward-credit-cards">travel rewards credit cards</a> for a while, you might find that you've got tons of miles to redeem. But making sure you're getting the most out of those rewards takes considerable planning and organization. Here are some tips on getting the most value out of your rewards miles and points. (See also: <a href="http://www.wisebread.com/the-7-biggest-mistakes-you-can-make-when-redeeming-credit-card-rewards?ref=seealso">The Biggest Mistakes When Redeeming Credit Card Rewards</a>)</p> <h2>1. Extend or Add a Vacation with Stopovers and Open Jaws</h2> <p>Stopovers and open jaws are big money savers for organized travelers.</p> <p><strong>Open Jaws:</strong> An open jaw ticket is one where you fly from point A to point B, then back to point A from point C. There is an open gap in the middle of the itinerary &mdash; which is perfect for a road trip. If you were to pay for this with cash instead of rewards, it would cost a lot of extra money, but it will cost you the same amount of reward points as a regular return flight.</p> <p>For example:</p> <p>Return Flight New York to London = 60,000 points</p> <p>Open Jaw Flight New York to London + Barcelona to New York = 60,000 points</p> <p><strong>Stopovers: </strong>A stopover is any stop in a flight itinerary that lasts more than 24 hours. Not to be confused with a layover. A layover is that boring period of time that you dread, waiting at the airport for your next flight.</p> <p>A stopover gives you time to exit the airport and explore. In fact, a stopover can be a week, a month, or even a year. Let's say you plan a holiday in Rome, but you've always wanted to see Barcelona. You can add a one-week stopover in Barcelona into your rewards itinerary and it won't cost you any extra points.</p> <p>The best trick with stopovers is actually calling your home airport a stopover. Let's say you book the trip above and the airline you fly with allows for two stopovers &mdash; and many do, including Lufthansa and Air Canada.</p> <p>You can enjoy your first stopover in Barcelona, then fly to Rome to complete your holiday as planned. But on your return journey home, you call your home airport a &quot;stopover&quot; for one year. This means that, up to a year later, you can complete your journey with a free, one-way flight to your next holiday destination, like Las Vegas, perhaps.</p> <p>If you are organized enough to plan more than one holiday at once, you can get a lot of free flights using this hack. Now you'll just have to book a cheap one-way ticket from Las Vegas back home.</p> <h2>2. Redeem Rewards for Higher Value Flights</h2> <p>There are many people who save up a great number of rewards miles and then squander them by redeeming them for the wrong purchases. Typically, one of the biggest mistakes that rewards travelers make is redeeming their rewards for short-distance domestic flights.</p> <p>Often, a 10-hour international flight will cost the same, or just slightly more, in points and miles as a long-distance domestic journey. Whereas the cash value for an international flight is often more than double a domestic one. You get much more <em>value</em> for the same amount of rewards points for an international flight. Sometimes it's best to just pay cash for the short-distance flights, and save your rewards for the next time you're leaving the country.</p> <p>Redeeming wisely may sound like a pretty straightforward idea, but with seemingly endless rewards restrictions like expiration dates, blackout dates, eligibility restrictions and limited rewards seating, it can be a confusing matter.</p> <p>If you're not willing to do a lot of research and spend time planning the perfect rewards trip, you may want to consider using a service like <a href="http://www.awardadvocate.com/">Award Advocate</a> or <a href="http://www.awardbookingservice.com/">Award Booking Service</a> to help you with your rewards booking.</p> <p>For a fee of $100+, they can find the best reward seats for you, book the flight with the airline, and ensure that you're using the least amount of miles possible for your journey.</p> <h2>3. Put Purchases on the Right Cards</h2> <p>A wallet full of credit cards is like a rewards hackers Swiss Army knife. Each card is its own tool and using them appropriately will allow you to get the most rewards for your purchases. For example, use a card that offers <a href="http://www.wisebread.com/the-best-5-credit-cards-for-groceries">bonus rewards at supermarkets</a> for your grocery purchases. Get the <a href="http://www.wisebread.com/5-best-gas-rewards-credit-cards">best credit card for gas</a> to maximize rewards for that monthly expense. Keep track of the rotating categories on your <a href="http://www.wisebread.com/chase-freedom-a-more-rewarding-way-to-shop">Chase Freedom</a> or <a href="http://www.wisebread.com/the-discover-it-card-attractive-cash-back-awards-for-shoppers">Discover It</a> card to get your 5% cash back.</p> <p>Depending on your recurring expenses, there are cards that offer bonus rewards for <a href="http://www.wisebread.com/the-5-best-credit-cards-for-dining-out">dining</a>, <a href="http://www.wisebread.com/5-best-credit-cards-for-entertainment-purchases">entertainment</a>, <a href="http://www.wisebread.com/5-best-credit-cards-for-travel-purchases">travel</a>, and even <a href="http://www.wisebread.com/best-credit-cards-for-office-supply-purchases">office supply purchases</a>. Finally, you should have a card that offers extra rewards for all other purchases, such as the <a href="http://www.wisebread.com/unlimited-cash-back-the-quicksilver-cash-rewards-credit-card">Quicksilver Cash Rewards Card</a> that offers 1.5% cash back on all purchases with no annual fee, or the <a href="http://www.wisebread.com/amex-everyday-preferred-card-review">Amex Everyday Preferred Card</a> that gives you 50% bonus points for making at least 30 transactions per billing cycle.</p> <h2>4. Try a Sign-Up Bonus Spree</h2> <p>Don't have a wallet full of cards yet? You're actually in luck! You can start a sign-up bonus spree to fill your wallet with the cards that you need, and maybe get a free vacation out of the sign-up bonuses, too! (See also: <a href="http://www.wisebread.com/5-steps-to-getting-a-free-or-close-to-free-vacation-in-9-months-or-less-with-credit-cards?ref=seealso">5 Steps to Getting a Free Vacation in 9 Months or Less with Credit Cards</a>)</p> <p>Many credit cards offer a <a href="http://www.wisebread.com/5-best-sign-up-bonuses-for-airline-miles-credit-cards">bonus for signing up</a> and many of these bonuses are worth $500 or more in travel.</p> <h2>5. Pair Cards for Extra Rewards</h2> <p>Sometimes when you put two cards in your wallet, sparks fly and they become the perfect couple. One particular &quot;dream couple&quot; is the Chase Freedom and the <a href="http://www.wisebread.com/chase-sapphire-preferred-review">Chase Sapphire Preferred card</a>. Points on the Freedom are only worth about one cent each, but on the Chase Sapphire Preferred Card, they're worth 1.25 cents each (a whole 25% more).</p> <p>Coupling these cards is easy. All you have to do is use the Freedom card for the 5% cash back on bonus categories each quarter, and then transfer those points to your Preferred card to get 25% more rewards.</p> <p>When the Chase Freedom bonus category isn't offering 5% for travel and dining, use the Chase Preferred which gets two points per dollar on these purchases. For all other purchases, you can use either card but make sure that you transfer the points to the Sapphire Preferred when it comes time to redeem.</p> <h2>6. Know Your Limits</h2> <p>Whether you're starting a credit card spree or just trying to earn as many points as possible, you must know your limits.</p> <p>Earning 5% cash back is completely useless if you end up paying interest (15% average in the U.S.) on your credit card each month. You have to be sure that you can pay off all of your cards <em>before</em> they start to accrue interest.</p> <p>Savvy travel hackers never pay a dime in interest and earn thousands of points each year. You can do the same, but you must first start slowly and know your limits with each and every card that you carry.</p> <p>If you can stay organized, watch your spending, and know your limitations and those that apply to the cards that you use, you can earn a lot of free travel from your cards in a very short period of time. Good luck!</p> <p><em>How do you stretch your reward miles? Share with us in the comments!</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/nick-wharton">Nick Wharton</a> of <a href="http://www.wisebread.com/6-tricks-to-making-the-most-of-your-reward-miles">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/what-exactly-does-travel-accident-insurance-cover-on-credit-cards">What Exactly Does Travel Accident Insurance Cover on Credit Cards?</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-best-credit-cards-that-transfer-points-to-airline-miles">5 Best Credit Cards that Transfer Points to Airline Miles</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/this-might-be-the-best-travel-rewards-program-no-matter-what-airline-you-fly">This Might Be the Best Travel Rewards Program (No Matter What Airline You Fly)</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-best-credit-card-perks-beyond-points-and-miles">The Best Credit Card Perks Beyond Points and Miles</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-best-credit-cards-for-travel-purchases">5 Best Credit Cards for Travel Purchases</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Credit Cards Travel credit card perks perks reward miles travel travel miles Mon, 14 Mar 2016 10:01:04 +0000 Nick Wharton 1671108 at http://www.wisebread.com 5 Things You Should Never Buy With Your Credit Card http://www.wisebread.com/5-things-you-should-never-buy-with-your-credit-card <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/5-things-you-should-never-buy-with-your-credit-card" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_credit_card_000077026409.jpg" alt="Woman learning things she should never buy with a credit card" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>It's a big temptation: Your pockets are empty, and you desperately need that morning coffee to get through that commute. But don't do it &mdash; don't take that credit card out of your pocket. If you can't pay for that latte with cash, skip it and drink from the free coffeepot at work.</p> <p>It's easy to pay for purchases with credit cards. Maybe too easy. But there are some items that you should <em>never</em> pay for with a credit card. Why? There are always better ways to pay for these items, whether they are small, everyday purchases or big-ticket buys.</p> <p>Here are five items for which you should never rely on plastic.</p> <h2>1. Medical Bills</h2> <p>Facing a big medical bill from your doctor? Don't use your credit card to pay for it. Instead, ask your medical provider to set up an installment payment plan for you. Most medical providers will do this, and the interest rates that they charge (if any) will be lower than the rates attached to your credit card.</p> <h2>2. Income Taxes</h2> <p>If you owe taxes, you <em>do </em>have the option of paying them with your credit card. Again, though, there's a better choice. If you owe thousands of dollars to the government, contact the IRS and ask for an installment plan.</p> <p>To be eligible for such a plan, you must owe less than $50,000 and be current on your income tax filings. You must also be able to pay what you owe within 72 months.</p> <p>This isn't free, of course. The IRS will charge you interest on the money you owe and a late payment penalty, usually at 0.5% a month. But even with these fees, you're better off financially than you would be if you turned to your credit card to pay your taxes.</p> <h2>3. Unsecure Online Purchases</h2> <p>The new EMV credit cards, embedded with a computer chip, are supposed to make in-person credit card transactions safer. But these cards don't offer much protection against online credit card fraud. So be careful when you use your card to make online purchases.</p> <p>And don't ever use your card on websites that aren't secured.</p> <p>Look for &quot;https&quot; at the beginning of a site's URL in your browser. If that's not present, and the site starts instead with &quot;http&quot; (with no &quot;s&quot; at the end), don't buy from it. Such websites aren't secure, and it's far easier for criminals to steal your credit card information from them.</p> <h2>4. Big Vacations</h2> <p>We all deserve a break from the working world. An exotic vacation can provide just that. But save the money for it first.</p> <p>It's easy to rack up thousands of dollars of credit card debt on a single trip if you charge hotels, gas, meals, and visits to museums and amusement parks. Don't fall into this trap: If you save for your vacation, and stick to a planned budget while you're traveling, you'll feel much more relaxed when you return.</p> <p>If you don't, opening that huge credit card bill will make you yearn for yet another vacation.</p> <h2>5. College Tuition</h2> <p>Worried about paying for your college tuition? Join the crowd. But don't rely on your credit cards to help foot the bill.</p> <p>The interest rates on student loans are typically lower than those attached to credit cards. Many schools will even charge you an additional fee when you pay your tuition with a credit card.</p> <p>If you're worried about paying for your college education, meet with your school's' financial aid office. In addition to helping you find low-interest-rate student loans, the staffers there should be able to help you hunt for scholarships or grants that could reduce your tuition burden.</p> <p><em>What do you refuse to purchase with a credit card?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/dan-rafter">Dan Rafter</a> of <a href="http://www.wisebread.com/5-things-you-should-never-buy-with-your-credit-card">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-best-credit-cards-that-transfer-points-to-airline-miles">5 Best Credit Cards that Transfer Points to Airline Miles</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/what-exactly-does-travel-accident-insurance-cover-on-credit-cards">What Exactly Does Travel Accident Insurance Cover on Credit Cards?</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-tricks-to-making-the-most-of-your-reward-miles">6 Tricks to Making the Most of Your Reward Miles</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/this-might-be-the-best-travel-rewards-program-no-matter-what-airline-you-fly">This Might Be the Best Travel Rewards Program (No Matter What Airline You Fly)</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-best-credit-cards-for-travel-purchases">5 Best Credit Cards for Travel Purchases</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Credit Cards Fast Food medical bills online shopping small expenses taxes travel tuition Tue, 23 Feb 2016 11:30:05 +0000 Dan Rafter 1658859 at http://www.wisebread.com 4 Ways Being a Nomad Saves You Money http://www.wisebread.com/4-ways-being-a-nomad-saves-you-money <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/4-ways-being-a-nomad-saves-you-money" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/man_traveling_nomad_000067927593.jpg" alt="Man learning ways being a nomad saves him money" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Maybe it was when you were fresh out of college, had just moved to a new city, or that time you wanted to spend the summer in Rome. Back then, not having a permanent address just made sense &mdash; or perhaps it was your only option.</p> <p>But, even as adults, there are special circumstances or times in our lives when electing a nomadic lifestyle is the right choice. In fact, it can carry significant financial and personal advantages. Read on to learn how giving up your permanent address can benefit your wallet. (See also: <a href="http://www.wisebread.com/save-on-car-rentals-with-these-10-easy-hacks">Save on Car Rentals With These 10 Easy Hacks</a>)</p> <h2>1. Less Tax</h2> <p>If you're self-employed and travel a lot for work, earning the majority of your income within the U.S., you're required to pay federal income tax. But you can elect a no-income-tax state, like Florida or Texas, as your permanent address and avoid state and city taxes. If collecting mail is an issue, there are several mail service providers, like <a href="https://travelingmailbox.com/">Traveling Mailbox</a>, that will accept and scan your incoming mail and forward it anywhere.</p> <h2>2. Possibly No Tax</h2> <p>For those residing outside the U.S. for at least 330 days per year and generating the bulk of their income abroad, the <a href="https://www.irs.gov/Individuals/International-Taxpayers/Foreign-Earned-Income-Exclusion">Foreign Earned Income Exclusion (FEIE)</a> of the IRS Code permits U.S. citizens pay zero federal tax on up to $101,300 (2016) of income earned abroad. In addition, ex-pats can claim annual deductions for housing expenses and meals. Freelancers and self-employed individuals also qualify for these deductions. And many overseas paradises cost a fraction of what it costs to live in the U.S.</p> <h2>3. Cheaper Cost of Living</h2> <p>Sometimes renting costs far less than homeownership. In New York City, a 600 square foot apartment will run you about $2,500 per month in rent. To buy it, it would cost roughly $750,000. That's a $150,000 down payment and a mortgage of about $2,000 per month for 30 years. That doesn't include the additional $1,000, give or take, per month you'll have to shell out for maintenance, nor does it include closing costs, PMI, property tax, or annual assessments. Instead, here's an idea: Invest the down payment today and in 30 years it'll be worth over $1.8 million (10% annual returns). Liquid. Sadly, I doubt you'd get that kind of return on your real estate, even in Manhattan.</p> <h2>4. Keep More of the Money You Make</h2> <p>You won't need to be weighed down with a lot of possessions that don't hold their value, like cars, furnishings, and electronics. Unless, of course, you are a collector of arts and antiques. Few people splurge on a temporary address, so chances are, you'll further save when that extra storage space disappears, causing you to lose that tendency to over-consume and overspend.</p> <p><em>Have you ever lived as a nomad? How'd it help your finances?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/qiana-chavaia">Qiana Chavaia</a> of <a href="http://www.wisebread.com/4-ways-being-a-nomad-saves-you-money">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-2"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-easy-ways-to-get-your-finances-fit-for-summer">10 Easy Ways to Get Your Finances Fit For Summer</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/9-financial-moves-you-will-always-regret">9 Financial Moves You Will Always Regret</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/50-smart-things-to-do-with-your-tax-refund">50 Smart Things to Do With Your Tax Refund</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-year-end-financial-moves-you-must-make-now">10 Year-End Financial Moves You Must Make Now</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-states-with-the-lowest-taxes-for-retirees">7 States With the Lowest Taxes for Retirees</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Personal Finance cost of living nomad lifestyle on the road permanent address taxes travel Thu, 11 Feb 2016 14:00:04 +0000 Qiana Chavaia 1654133 at http://www.wisebread.com 5 Best Credit Cards for Travel Purchases http://www.wisebread.com/5-best-credit-cards-for-travel-purchases <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/5-best-credit-cards-for-travel-purchases" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/000040198950.jpg" alt="" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>The credit card rewards that you can earn from purchasing travel have gone up, as card issuers continue to offer greater bonuses for travel purchases. So if you have large travel expenses (including gas, parking, public transportation, tolls, etc.), then you should consider these credit cards when making travel purchases. (See also: <a href="http://www.wisebread.com/top-5-travel-reward-credit-cards?ref=seealso">Best Travel Rewards Cards</a>)</p> <h2>Chase Sapphire Preferred&reg; Card</h2> <p><a target="_blank" rel="nofollow" alt="Chase Sapphire Preferred&reg; Card" title="Chase Sapphire Preferred&reg; Card" href="http://ct.wisebread.com/click.php?pg=56&amp;pid=38&amp;pp=1&amp;uv=xcard&amp;fot=1276"><img width="154" border="0" height="97" alt="" style="float:right;margin:0 10px;" src="http://www.imgsynergy.com/191x120/chase-sapphire-preferred-091814.png" /></a>The <a target="_blank" rel="nofollow" href="http://ct.wisebread.com/click.php?pg=56&amp;pid=38&amp;pp=1&amp;uv=xname&amp;fot=1276">Chase Sapphire Preferred&reg; Card</a> is a favorite among frequent travelers as cardholders earn two points per dollar spent on all travel and dining purchases. Points can be transferred at a 1:1 ratio to participating travel partners, including Southwest, British Airways, and United, and hotel partners such as Hyatt, Marriott, and IHG. Cardholders also get 20% off travel for purchases made through the Chase Ultimate Rewards travel portal. This card has no foreign transaction fees and a $95 annual fee that is waived the first year.</p> <p><strong>Sign up offer:</strong> Receive 50,000 bonus points after spending $4,000 within the first three months of account opening, and an additional 5,000 points when adding a first authorized user who makes a purchase in the first three months.</p> <p><strong><a target="_blank" rel="nofollow" href="http://ct.wisebread.com/click.php?pg=56&amp;pid=38&amp;pp=1&amp;uv=xend&amp;fot=1276">Click here to learn more and apply for the Chase Sapphire Preferred&reg; Card today!</a></strong></p> <h2>Premier Rewards Gold Card from American Express</h2> <p><a target="_blank" rel="nofollow" alt="American Express&reg; Premier Rewards Gold Card" title="American Express&reg; Premier Rewards Gold Card" href="http://ct.wisebread.com/click.php?pg=56&amp;pid=3&amp;pp=2&amp;uv=xcard&amp;fot=1276"><img width="154" border="0" height="97" alt="" style="float:right;margin:0 10px;" src="http://www.imgsynergy.com/191x120/premier-rewards-gold-card-111715.png" /></a>The <a target="_blank" rel="nofollow" href="http://ct.wisebread.com/click.php?pg=56&amp;pid=3&amp;pp=2&amp;uv=xname&amp;fot=1276">Premier Rewards Gold Card from American Express</a> offers a variety of benefits for those who often make travel purchases. Cardholders earn three points per dollar on air travel and two points per dollar at US gas stations, US grocery stores, and US restaurants. New applicants receive 25,000 points after spending $2,000 in the first 3 months. You can also use the Premier Rewards Gold Card for incidental travel fees and get up to $100 in statement credits each calendar year. Plus, get a $75 hotel credit on qualifying charges, plus a room upgrade upon arrival, if available with The Hotel Collection at <a href="http://americanexpress.com/hc">americanexpress.com/hc</a>. This card has no foreign transaction fees and a $195 annual fee that is waived in the first year.</p> <p><a target="_blank" rel="nofollow" href="http://ct.wisebread.com/click.php?pg=56&amp;pid=3&amp;pp=2&amp;uv=xend&amp;fot=1276"><strong>Click here to learn more and apply for the Premier Rewards Gold Card from American Express today!</strong></a></p> <h2>Citi Prestige&reg; Card</h2> <p><a rel="nofollow" target="_blank" href="http://ct.wisebread.com/click.php?pg=56&amp;pid=53&amp;pp=3&amp;uv=xcard"><img width="154" border="0" alt="" style="float:right;margin:0 10px;" src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u784/10.22-CitiPrestigeCard-191.jpg" /></a>The <a rel="nofollow" target="_blank" href="http://ct.wisebread.com/click.php?pg=56&amp;pid=53&amp;pp=3&amp;uv=xname">Citi Prestige&reg; Card</a> is an excellent option for those who like to travel in luxury. Earn three points per dollar on all air travel, hotel, and travel agency purchases, two points per dollar on dining and entertainment, and one point per dollar on all other purchases. Cardholders can receive $250 in travel credits that will automatically apply to flight-related expenses, as well as a $100 Global Entry application fee credit. When booking through the ThankYou&reg; Travel Center, points are worth 60% more on American Airlines flights than when redeemed for non-air travel. Like the Citi ThankYou Premier, points can be transferred to partners at no additional fee. Enjoy access to the American Airlines Admirals Club lounges and VIP lounges through Priority Pass Select, and you can receive a complimentary 4th night stay at select hotels while traveling. This card has no foreign transaction fees. There is a $450 annual fee.</p> <p><a rel="nofollow" target="_blank" href="http://ct.wisebread.com/click.php?pg=56&amp;pid=53&amp;pp=3&amp;uv=xend"><strong>Click here to learn more and apply for the Citi Prestige&reg; Card today!</strong></a></p> <h2>Capital One&reg; Venture&reg; Rewards Credit Card</h2> <p><a title="Capital One&reg; Venture&reg; Rewards Credit Card" alt="Capital One&reg; Venture&reg; Rewards Credit Card" rel="nofollow" target="_blank" href="http://ct.wisebread.com/click.php?pg=56&amp;pid=26&amp;pp=4&amp;uv=xcard"><img width="154" border="0" height="97" alt="" style="float:right;margin:0 10px;" class="img-exempt" src="http://www.imgsynergy.com/191x120/capital-one-venture-rewards-credit-card-101614.png" /></a>The <a rel="nofollow" target="_blank" href="http://ct.wisebread.com/click.php?pg=56&amp;pid=26&amp;pp=4&amp;uv=xname">Capital One&reg; Venture&reg; Rewards Credit Card</a> offers unlimited 2x miles per dollar on all purchases. Earn an unlimited amount of miles and they don't expire. Get the added benefit of earning 2x miles on non-travel purchases as well. Redeem miles for statement credit on travel purchases, allowing you to earn miles on your travel rewards, too! There is no annual fee for the first year. It's $59 thereafter.</p> <p><strong>Bonus offer:</strong> Get a one-time bonus of 40,000 miles once you spend $3,000 on purchases within the first 3 months, equal to $400 in travel.</p> <p><a rel="nofollow" target="_blank" href="http://ct.wisebread.com/click.php?pg=56&amp;pid=26&amp;pp=4&amp;uv=xend"><strong>Click here to learn more and apply for the Capital One&reg; Venture&reg; Rewards Credit Card today!</strong></a></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/jason-steele">Jason Steele</a> of <a href="http://www.wisebread.com/5-best-credit-cards-for-travel-purchases">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-3"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-best-credit-cards-that-transfer-points-to-airline-miles">5 Best Credit Cards that Transfer Points to Airline Miles</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/top-5-travel-reward-credit-cards">5 Best Travel Reward Credit Cards</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-best-credit-cards-with-free-airport-lounge-access">5 Best Credit Cards with Free Airport Lounge Access</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-best-sign-up-bonuses-for-airline-miles-credit-cards">5 Best Sign-up Bonuses for Airline Miles Credit Cards</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/best-credit-cards-that-offer-tsa-pre-check-and-global-entry-reimbursement">Best Credit Cards That Offer TSA Pre-Check and Global Entry Reimbursement</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Credit Cards Travel best credit cards shopping travel Thu, 12 Nov 2015 21:47:37 +0000 Jason Steele 1547040 at http://www.wisebread.com Savor Your Trip and Save Big With These 5 Slow Travel Tips http://www.wisebread.com/savor-your-trip-and-save-big-with-these-5-slow-travel-tips <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/savor-your-trip-and-save-big-with-these-5-slow-travel-tips" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_traveling_london_000022997963=.jpg" alt="Woman savoring her trip and saving big with slow travel tips" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>I've been on the road over five years in total and in that time I've seen 45 countries. This may sound like a lot of places to see, but it averages around six weeks per country. And that slower travel rate has served me well.</p> <p>In my experience, by staying put and traveling slower, I've not only formed a better connection and understanding of the places that I visit, but I've also saved a lot of money along the way. Here's how.</p> <h2>1. Accommodation</h2> <p>Where you'll stay is one of your biggest travel expenses &mdash; and a great place to look for savings.</p> <h3>Long-Stay Discounts</h3> <p>If you know you're going to be staying at the same hotel for more than a couple nights, you can ask for a long-stay discount. I've had hotels offer many free nights just by asking!</p> <p>See also: <a href="http://www.wisebread.com/the-best-credit-cards-for-hotel-deals-and-rewards">Best Credit Cards for Hotel Deals and Rewards</a></p> <h3>Vacation Rentals</h3> <p>Whenever you're booking a hotel or resort for a two-week or longer stay, you're spending a lot more money than you need to (even if you get a discount). If you decide to stay in one place for two weeks or more, you may just find that vacation rentals will give you much more bang for your buck.</p> <h3>Local Apartment Rentals</h3> <p>Vacation rentals are cheaper than hotels, but if you stay in one place for two months or more, you can save even more money by renting a local apartment. Once you start getting into local rentals and out of the vacation rental space, you can find some amazing deals. Vacation rentals are generally reserved for short stays (two weeks to two months) and are often owned by expats, meaning they are more expensive than regular apartments.</p> <p>On my recent two and a half month trip to Mexico, I paid $50 per night for a small room with a double bed at a hostel. That's $1,500 per month if I had stayed for 30 days! Luckily I only stayed for a couple of nights while searching for an apartment. Vacation rentals were charging at least $1,000 per month, but within three days of looking around I had found a lovely, Mexican-style, two bedroom, two-level local apartment with a large kitchen and dining room for just $400 per month! I landed this price because I was staying &quot;long-term.&quot;</p> <h3>House Sitting</h3> <p>Longer stays in each place will also give you the ability to easily find house sitting jobs. It's not easy to line up one-to-three night house sitting gigs while you're moving around a country quickly, but if you plan to stay in one town for a couple of weeks, you may be able to find a house sitting job and get free accommodation.</p> <h2>2. Transport</h2> <p>Your transportation costs can add up quickly, so be smart about how you choose to get around.</p> <h3>Car Rental</h3> <p>It's no secret that the longer you rent a car, the less you pay. A few years ago, I rented a car for five weeks in South Africa and it only costed me $20 per day, including all insurance! All major car rental companies will offer significant savings when booking a car for a month or more.</p> <p>If you're traveling to a new country every week, you won't be able to take a long-term rental because most car rental companies don't want you to cross borders with their cars. Drive around one country for a few weeks or months and watch the savings add up.</p> <p>See also: <a href="http://www.wisebread.com/what-does-car-rental-insurance-really-cover-on-your-credit-card">What Does Car Rental Insurance Cover on Your Credit Card</a></p> <h3>Public Transport</h3> <p>You won't actually get a discount on public transport tickets by traveling slower, but you'll definitely be buying less bus, plane, and train tickets. Many buses and trains cost around $5 per hour or more depending on where in the world you are ($1 per hour in Asia). These costs quickly add up if you're taking a seven-hour bus ride every two days. That's $525 a month!</p> <h2>3. Tours</h2> <p>You don't need to spend all your dough in order to explore your chosen destination.</p> <h3>Time to Shop Around</h3> <p>I can't count how many times I arrived in a city in the afternoon, booked a tour that evening, and left on an excursion the next morning. There's nothing wrong with this kind of speedy shopping, except when you return to town and find the same tour for half the price at another agency! Traveling slower will give you time to shop around and find the best deals on tours.</p> <h3>Spread Out Your Sight Seeing</h3> <p>Taking a tour every day and trying to see everything in a short visit can be expensive. If you give yourself a bit more time, you can spend time doing things that don't cost money, like an independent walking tour or a relaxing beach day.</p> <h3>Taking Advantage of Free Days</h3> <p>Many museums, galleries, and historical sites around the world have special days each week when entrances are either discounted, or completely free. By staying in a city longer, you'll have a better chance of being able to take advantage of these days to save money.</p> <h2>4. Food</h2> <p>Food is a major part of the fun when it comes to traveling, but don't spend all your money on one meal!</p> <h3>More Time to Find the Local Joints</h3> <p>Sometimes it takes some searching to find the best, cheap restaurants in a city. The more time you spend in each place, the more time you'll have to explore and find your favorite hole-in-the wall restaurants with the most delicious food and the best prices.</p> <h3>Discount Days and Festivals</h3> <p>Just like museums and galleries, restaurants almost always have special discounts on different days of the week. If you are traveling quickly, you may miss these days, or not even find out about them. Festivals are also on fixed dates and so you'd have to get lucky to catch one if you're moving from place to place every other day. Stay in one town for a month and you're likely to witness some sort of festival or event that's offering free food and free entertainment!</p> <h3>Cooking in Apartment Kitchens</h3> <p>This is one of the best ways to save money while traveling and it goes with the first tips in this article about renting an apartment instead of booking a hotel. When you have a kitchen, you'll be able to buy your own groceries and cook for yourself. A cheap breakfast in a restaurant may cost upwards of $10 (depending on where you're traveling), while a similar breakfast cooked at home won't likely break a dollar.</p> <h2>5. Visas</h2> <p>More border crossings means more transportation costs, and of course, more entrance visas. Depending on what part of the world you're exploring, visas can range from free, to $150 per entrance. When I was traveling in Central Asia for three months in 2013, I spent over $300 in entrance visas and invitation letters alone because I was moving to a new country every two weeks. This is an extreme case because of the heavy bureaucracy and high cost of visas in this area, but visa costs add up no matter where you're traveling. Stay in one country longer and avoid getting charged (and paying border guard bribes) so often.</p> <h3>Slow and Steady&hellip;</h3> <p>Travelers often like to pack multiple cities in one trip to see as many places as possible, but not only can you save money by staying in one place, the experience of living in a foreign place longer than a few days can be just as exciting. See our <a href="http://www.wisebread.com/top-5-travel-reward-credit-cards">favorite travel rewards credit cards</a> that will help you get to your dream vacation sooner!</p> <p><em>Are you a slow traveler? Where have you been? Where are you going?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/nick-wharton">Nick Wharton</a> of <a href="http://www.wisebread.com/savor-your-trip-and-save-big-with-these-5-slow-travel-tips">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-2"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-ways-to-get-free-or-almost-free-airline-tickets">10 Ways to Get Free (or Almost Free) Airline Tickets</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-sibling-discounts-that-can-save-you-big">6 Sibling Discounts That Can Save You Big</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-little-words-that-will-get-you-the-best-price-every-time">10 Little Words That Will Get You the Best Price, Every Time</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/score-coupons-for-every-online-store-even-the-ones-that-dont-have-coupons">Score Coupons for Every Online Store (Even the Ones That &quot;Don&#039;t Have Coupons&quot;)</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-costs-you-should-always-negotiate">10 Costs You Should Always Negotiate</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Frugal Living backpacking discounts hostel travel travel hacks vacation rentals Mon, 12 Oct 2015 11:00:40 +0000 Nick Wharton 1586202 at http://www.wisebread.com 10 Flight Booking Hacks to Save You Hundreds http://www.wisebread.com/10-flight-booking-hacks-to-save-you-hundreds <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/10-flight-booking-hacks-to-save-you-hundreds" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/000052282084_1.jpg" alt="" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>I've been traveling and hacking flights since 2008, spending nearly eight years researching and finding secret methods to save money, earn points, and fly for free. These effective and easy-to-use tricks have saved me thousands of dollars over the years and now they can do the same for you.</p> <h2>1. Use Google Flights</h2> <p>If there ever was a single flight booking engine to rule them all, it would be <a href="https://www.google.com/flights/">Google Flights</a>. This incredible website will revolutionize the way you book flights and it can save you a ton of money along the way. Let's go over some of the main features of this booking site that blows others like it out of the water.</p> <h3>Two Months of Fares</h3> <p>A frequent flyer knows that there are always cheaper days of the week and times of the month to fly. Google Flights simplifies your fare search by showing you a calendar with two full months of fares. There's even a handy bar graph that makes it easy to see which day is the cheapest. I have found flights for nearly half price just by using this tool and flying on the right day of the month!</p> <h3>Destination Region, Not Just Destination City</h3> <p>Sometimes you want to go to Europe, but you want to be spontaneous. You'll fly to any city as long as it's cheap. Well, Google Flights will be your new best friend. Instead of having to input a destination city, you can input a destination region (ie: Europe). You can then open a map view of the entire continent which shows airfares on every major city and airport. With this trick, I found that I could fly to Paris for $150 less than if I flew to London on the same day. Using traditional methods of flight search, you'd have to separately search each city in Europe to find the cheapest flight and this could potentially take hours.</p> <h3>Happiness Factors</h3> <p>A good deal on a flight ticket is only a good deal if you're comfortable while you're in the air. Google has teamed up with Routehappy to include &quot;Happiness Factors&quot; in their search results. Now you can see if there is food, USB power outlets, TVs, video on demand, and Wi-Fi on your flight. The factors are shown using easy to spot icons right next to the fares in search results. You can even see how many inches of legroom you'll have!</p> <h3>Best Flight Recommendation</h3> <p>Google takes the guesswork out of choosing flights. Sometimes, customers are blinded by a cheap deal and they fail to notice that there is a 45-hour layover in Delaware. For an extra $40 you could have flown direct! Google automatically calculates the best flight for you based on a good balance of price and transit time. Brilliant. (See also: <a href="http://www.wisebread.com/the-secret-flight-search-site-savvy-travelers-use?ref=seealso">The Secret Flight Search Site Savvy Travelers Use</a>)</p> <h2>2. Clear Your Cache</h2> <p>This is a big one, everybody! Have you ever noticed that when you return to check the cost of your flight day after day, the price just keeps going up? This is not a coincidence. Flight booking engines and airline websites store cookies in your browser. These cookies can monitor your browsing habits and they'll know when you return to their website to check flight costs again and again. They will then jack the price up to urge you to buy! It sounds criminal, doesn't it? Well it's not illegal and it happens all of the time on pretty much every booking website. (See also: <a href="http://www.wisebread.com/4-secrets-to-getting-the-lowest-rate-from-travel-websites?ref=seealso">4 Secrets to Getting the Lowest Rate From Travel Websites</a>)</p> <p>To avoid getting charged extra every time you book a flight, simply clear your browser cache before booking anything online, or if you use Google Chrome as your browser, simply hit control-shift-N to open an &quot;incognito&quot; window which ensures cookie-free browsing.</p> <p>Note: Clearing the cache is different for every browser, here are instructions for the most common ones: <a href="https://support.google.com/chromebook/answer/183083?hl=en">Google Chrome</a>, <a href="http://agsci.psu.edu/it/how-to/clear-internet-explorer-8-ie8-browsing-history-cache">Internet Explorer</a>, <a href="https://support.mozilla.org/en-US/kb/delete-cookies-remove-info-websites-stored">Firefox</a>, and <a href="https://guides.instructure.com/m/4214/l/334964-how-do-i-clear-my-browser-cache-on-a-mac">Safari</a>.</p> <p>I recently booked a flight from Guatemala to Cuba and I noticed that each day before booking, the price kept going up. Luckily I utilized this simple hack and voila! The price magically went back down and I saved $250 on two tickets! Don't believe me? Check out the split image below. The bottom half is the flight before clearing the browser cache and the top half is the exact same flight, booked 10 minutes later using &quot;incognito&quot; mode.</p> <p><img width="605" height="456" alt="" src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/flight%20prices.jpg" /></p> <p>If you didn't know about this hack before, then you've probably overpaid for pretty much every flight you've ever taken. Next time you book a flight, make sure you clear your cache or shop &quot;incognito.&quot;</p> <h2>3. Get Bumped</h2> <p>Is saving big money on flights not good enough for you? You want to <a href="http://www.wisebread.com/10-ways-to-get-free-or-almost-free-airline-tickets">fly for free</a>? No problem. You can get free flight vouchers so you don't have to pay for your future airfare at all. It's called &quot;getting bumped.&quot;</p> <p>Here's how it works: These days, there are so many people flying that airlines overbook their flights and bank on the fact that not everyone will show up to the gates come check-in time. Sometimes this works for them and they can overbook flights without a hitch, but other times they have to ask some passengers if they wouldn't mind taking the next scheduled flight instead. These passengers are &quot;getting bumped.&quot;</p> <p>Why is &quot;getting bumped&quot; such an awesome hack? Because if you get bumped, you'll be flown to your destination on the next scheduled flight, plus you'll receive a free flight voucher for your next holiday! That's right, your next flight will be free.</p> <p>But you shouldn't just cross your fingers and hope to get bumped. There are three things that you should do to better your chances.</p> <h3>Choose a Popular Flight</h3> <p>The more popular the flight route, the more likely it will be that the airline needs to bump passengers. Choose a destination city that is popular, and fly on the busiest day possible (usually Monday mornings, Friday afternoons, and around holidays).</p> <h3>Pack Light</h3> <p>Airline staff will try to choose the most convenient candidates for bump passengers. If they have to go fetch your bag from under the plane, they probably won't pick you. If you want to get bumped, try to pack only carry-on luggage.</p> <h3>Show Up Extra Early and Volunteer</h3> <p>Head to the check-in counter right when it opens and have a big smile on your face. Politely mention to the agent that you're in no rush, and you'd have no problem volunteering to take the next flight if they need you to.</p> <p>Now you just sit and wait with your fingers crossed. This hack may not work every time, but you can definitely get a few free flights if you keep trying.</p> <h2>4. Book at the Right Time</h2> <p>The &quot;right time to book&quot; has been a debate amongst frequent flyers since the invention of commercial air travel. How long before your departure date should you start shopping for flights? Are last-minute deals the best or is it better to plan in advance to get early bird discounts?</p> <p>According to a 2013 study conducted by CheapAir.com, the <a href="http://www.cheapair.com/blog/travel-tips/when-should-you-buy-your-airline-ticket-heres-what-our-data-has-to-say/">optimal time to book flights</a> is approximately 48 days (about seven weeks) before departure. The study also claimed that most airlines will charge hefty premiums for late bookings (within 14 days of departure) and for early bookings (more than five months in advance).</p> <h2>5. Become &quot;Cancellation Protected&quot;</h2> <p>Many flight booking engines have pretty strict flight cancellation policies that are often separate from the airline's policies. Sometimes you have to cancel your flight for unforeseen reasons and if you booked with an online booking site, you may be out of luck and out of money.</p> <p>Instead, find the flight using your favorite booking engine, get the flight number and date of the cheapest fare, and then go straight your chosen airline's website to book it. This way, you'll have a better chance of getting at least some kind of refund if you have to cancel down the road.</p> <p>Keep in mind, you can get refunds on many <a href="http://www.wisebread.com/how-to-get-a-refund-when-something-is-non-refundable">&quot;non-refundable&quot; purchases</a> if you know how to ask.</p> <h2>6. Use Your Best Travel Rewards Credit Card</h2> <p>There's no reason why anyone should book travel without reaping the benefits of travel rewards and air miles from their favorite credit cards. Whenever you're paying for a holiday, trip or vacation, make sure that you're using your <a href="http://www.wisebread.com/top-5-travel-reward-credit-cards">best travel rewards credit card</a>.</p> <p>Find the <a href="http://www.wisebread.com/how-travel-rewards-credit-cards-really-work">best card for your travel preferences</a>, rack up your points and miles, and then <a href="http://www.wisebread.com/5-steps-to-getting-a-free-or-close-to-free-vacation-in-9-months-or-less-with-credit-cards">redeem them for a free vacatio</a>n!&nbsp;<span style="font-size: 13px; line-height: 1.7em;">If you're a loyal flyer on a particular airline, a </span><a href="http://www.wisebread.com/5-best-co-branded-airline-credit-cards?ref=internal" style="font-size: 13px; line-height: 1.7em;">co-branded airline card</a><span style="font-size: 13px; line-height: 1.7em;"> will get you extra travel perks like priority boarding and discounts off in-flight purchases.</span></p> <h2>7. Use the Flight+Hotel or Flight+Rental Tab</h2> <p>You've probably seen that little tab at the top of flight booking websites that says Flight+Hotel or Flight+Car Rental. It looks like it's just an aggressive upsell, trying to get you to spend more money than you really want to, but it turns out, there are huge savings hidden beneath that tab.</p> <p>Flight booking engines offer customers big discounts on their flights, hotels, and car rental if they book them all together. Even if you don't want to rent a car for the duration of your holiday, give this little hack a try.</p> <p>In my sample booking, the cheapest flight from Toronto to London in July of 2015 was $1,524. I then searched the same flight using the tab on the British Airways website that says &quot;Flight+Car&quot; and found it for just $1,444 including a rental for the duration of the one week holiday. That's $80 less for the flight, plus a free rental car.</p> <h2>8. Pack Your Stuff to Avoid Extra Baggage Fees</h2> <p>Everyone wants to avoid going over the baggage allowance on flights. It's a good idea to always carry the maximum allowed size for your carry-on luggage, plus a purse, and a laptop bag. Most airlines allow all of these items as carry-ons and having all three is a loophole that will help you to avoid expensive fees at check-in. (You can sometimes sneak on with a plastic grocery bag as well!)</p> <p>If that nasty scale at the check-in counter is calling your luggage fat, take the heaviest things out and put them in your purse or daypack. Toss some things in the laptop bag and distribute the weight into your carry-ons so that you don't have to pay an extra cent for heavy checked luggage.</p> <p>Bonus hack: If you're traveling with golf clubs, stuff the golf bag with as much clothing as you can to lighten your other checked bag and avoid overweight charges. (See also: <a href="http://www.wisebread.com/25-secrets-from-the-worlds-most-frugal-frequent-travelers?ref=seealso">25 Secrets From the World's Most Frugal Frequent Travelers</a>)</p> <h2>9. Ask to Sit Close to the Emergency Exit</h2> <p>On most airlines, you are charged extra if you request the emergency exit seats because they have twice the leg room, but you can often get them for free. When you check in for your next flight, request that your seat is <em>close to</em> the nearest emergency exit row. This is free.</p> <p>As soon as the plane doors are sealed and you see an empty emergency exit seat, switch over to it. Because passengers are charged extra if they request exit seats before departure, there are usually a couple of empty ones available and once the plane is sealed, you don't have to pay to move into them.</p> <p>See also: <a href="http://www.wisebread.com/15-airport-hacks-from-professional-travelers?ref=seealso">15 Airport Hacks From Expert Travelers</a></p> <h2>10. Use the Multi-City Tab</h2> <p>Basically, the Multi-City tab can be found on almost all booking sites and it gives customers access to secret discounts for taking multiple flights at the same time. In my case, I needed to fly from Guatemala City to Havana and then on to San Jose, Costa Rica three weeks later. If I were to book these flights separately, they would have cost me $938, but booking the same trip using the Multi-City tab only cost me $710. That's a savings of $218. Use this tab when you're planning multiple flights in a specific time frame and you can save a lot of money.</p> <p><em>Do you know of some money saving flight hacks that I missed? Please share them with the world in the comments below!</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/nick-wharton">Nick Wharton</a> of <a href="http://www.wisebread.com/10-flight-booking-hacks-to-save-you-hundreds">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-4"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-smart-travel-hacks-only-frequent-flyers-know">5 Smart Travel Hacks Only Frequent Flyers Know</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/everything-you-need-to-know-about-frequent-flyer-miles">Everything You Need to Know About Frequent Flyer Miles</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-best-credit-cards-that-transfer-points-to-airline-miles">5 Best Credit Cards that Transfer Points to Airline Miles</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/this-might-be-the-best-travel-rewards-program-no-matter-what-airline-you-fly">This Might Be the Best Travel Rewards Program (No Matter What Airline You Fly)</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/11-vacation-destinations-that-stretch-your-dollar">11 Vacation Destinations That Stretch Your Dollar</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Travel airline miles airline tickets credit cards flight booking flying travel vacation Mon, 07 Sep 2015 11:00:35 +0000 Nick Wharton 1548205 at http://www.wisebread.com 5 Best Credit Cards that Transfer Points to Airline Miles http://www.wisebread.com/5-best-credit-cards-that-transfer-points-to-airline-miles <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/5-best-credit-cards-that-transfer-points-to-airline-miles" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/world_travel_000003712634.jpg" alt="" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Do you know any fair weather fans that only root for their team when they are winning? How about those who jump on the bandwagon and declare themselves to be loyal fans only after a team becomes great? These can pretty annoying traits among sports fans, but people do this in order to be aligned with a winner.</p> <p>Like sports teams, airline frequent flier programs have their good times and their bad times, and no one wants to earn miles with a carrier that suddenly decides to change their program for the worse. Thankfully, there is a type of credit card that allows cardholders to transfer their rewards to one of several different airlines at their choosing. So cardholders need not commit to transferring miles to a single airline program until right before they need to redeem a particular award ticket. So they can essentially pick their team while it is winning.</p> <p>These flexible point transfer programs have been increasing in popularity as airlines continue to change the rules of their frequent flier programs, sometimes with no notice. To choose the best flexible points transfer card for your needs, you should examine the features and benefits of these cards, and which airline miles you can transfer your points to.</p> <p>Here are the top five credit cards that offer point to mileage transfers:</p> <h2>Chase Sapphire Preferred&reg; Card</h2> <p><a href="http://ct.wisebread.com/click.php?pg=55&amp;pid=38&amp;pp=1&amp;uv=xcard&amp;fot=1240" title="Chase Sapphire Preferred&reg; Card" alt="Chase Sapphire Preferred&reg; Card" rel="nofollow" target="_blank"><img width="154" border="0" height="97" src="http://www.imgsynergy.com/191x120/chase-sapphire-preferred-091814.png" style="float:right; margin:0 5px 5px 10px;" alt="" /></a>The Chase Ultimate Rewards program features six airline transfer partners and four hotel programs. Although this doesn't seem like a generous number of airline partners, the selection is among some of the more valuable programs. For example, Southwest and United are exclusive transfer partners to this program, and others like Korean and British Airways offer partner awards with Delta and American Airlines respectively.</p> <p>Chase also allows points from their <a href="http://www.wisebread.com/chase-freedom-visa-review-200-cash-back-bonus">Freedom card</a> to be transferred to their <a href="http://ct.wisebread.com/click.php?pg=55&amp;pid=38&amp;pp=1&amp;uv=xname&amp;fot=1240" rel="nofollow" target="_blank">Sapphire Preferred&reg; card</a>, which allows points from Freedom to be transferred to travel partners as well. Freedom cardholders cannot do this without a Sapphire card.</p> <p>For each dollar spent, the Chase Sapphire Preferred Card offers double points for dining and travel purchases, and one point for other purchases. New cardholders will receive 50,000 bonus points when they spend $4,000 on their card within the first three months of account opening. There is a $95 annual fee for this card that is waived the first year.</p> <p><strong><a href="http://ct.wisebread.com/click.php?pg=55&amp;pid=38&amp;pp=1&amp;uv=xend&amp;fot=1240" rel="nofollow" target="_blank">Click here to learn more and apply for the Chase Sapphire Preferred&reg; Card today!</a></strong></p> <h2>Starwood Preferred Guest&reg; Credit Card from American Express</h2> <p><a href="http://ct.wisebread.com/click.php?pg=55&amp;pid=14&amp;pp=2&amp;uv=xcard&amp;fot=1240" target="_blank" rel="nofollow" alt="Starwood Preferred Guest&reg; Credit Card from American Express" title="Starwood Preferred Guest&reg; Credit Card from American Express"><img width="154" border="0" height="97" src="http://www.imgsynergy.com/191x120/starwood-preferred-guest-consumer-081115.png" alt="" style="float: right; margin: 0px 10px; alt=" /></a>Among travel rewards enthusiasts, the <a href="http://ct.wisebread.com/click.php?pg=55&amp;pid=14&amp;pp=2&amp;uv=xname&amp;fot=1240" target="_blank" rel="nofollow" alt="Starwood Preferred Guest&reg; Credit Card from American Express" title="Starwood Preferred Guest&reg; Credit Card from American Express">Starwood Preferred Guest&reg; Credit Card from American Express</a> has a loyal following of raving fans due to its over 30 different airline transfer partners, most which offer 1:1 conversion rate. Cardholders also get an additional 5,000 mile bonus when transferring 20,000 points at one time.</p> <p>The card also earns two points per dollar spent at Starwood properties and one point per dollar spent on other eligible purchases. New cardholders will get 25,000 points after using their card to spend $3,000 on purchases within the first three months of cardmembership. There is a $95 annual fee for this card that is waived the first year. Terms and conditions apply.</p> <p><strong><a href="http://ct.wisebread.com/click.php?pg=55&amp;pid=14&amp;pp=2&amp;uv=xend&amp;fot=1240" target="_blank" rel="nofollow">Click here to learn more and apply for the Starwood Preferred Guest&reg; Credit Card from American Express today!</a></strong></p> <h2>The Amex EveryDay&reg; Credit Card from American Express</h2> <p><a href="http://ct.wisebread.com/click.php?pg=55&amp;pid=2&amp;pp=3&amp;uv=xcard&amp;fot=1240" title="The Amex EveryDay&reg; Credit Card from American Express" alt="The Amex EveryDay&reg; Credit Card from American Express" rel="nofollow" target="_blank"><img width="154" border="0" height="97" src="http://www.imgsynergy.com/191x120/amex-everyday-credit-card-111115.png" style="float: right; margin: 0px 10px; alt=" alt="" />The </a><a href="http://ct.wisebread.com/click.php?pg=55&amp;pid=2&amp;pp=3&amp;uv=xname&amp;fot=1240" rel="nofollow" target="_blank">Amex EveryDay&reg; Credit Card from American Express</a> offers points in the American Express Membership Rewards program, which features 17 different airline transfer partners. Most of these transfer partners offer a 1:1 transfer ratio. This is one of the few cards that offer a flexible point transfer program without an annual fee.</p> <p>Cardholders earn one point per dollar spent, and double points for spending at grocery stores. In addition, cardholders will receive a 20% bonus during each statement period that they make at least 20 transactions (less returns and credit). New cardholders can earn 10,000 bonus points when they use their card to spend $1,000 on purchases within the first three months of cardmembership. Terms and limitations apply. Finally, American Express also offers the <a href="http://www.wisebread.com/amex-everyday-preferred-card-review">Amex EveryDay Preferred card</a> which features even more bonus points, but has an annual fee.</p> <p><strong><a href="http://ct.wisebread.com/click.php?pg=55&amp;pid=2&amp;pp=3&amp;uv=xend&amp;fot=1240" rel="nofollow" target="_blank">Click here to learn more and apply for the Amex EveryDay&reg; Credit Card from American Express today!</a></strong></p> <h2>The Hilton HHonors&trade; Card from American Express</h2> <p><a target="_blank" rel="nofollow" alt="Hilton HHonors&trade; Card from American Express" title="Hilton HHonors&trade; Card from American Express" href="http://ct.wisebread.com/click.php?pg=55&amp;pid=10&amp;pp=4&amp;uv=xcard&amp;fot=1240"><img width="154" border="0" height="97" style="float:right; margin:0 5px 5px 10px;" alt="" src="http://www.imgsynergy.com/191x120/hilton-hhonors-card-from-american-express-102015.png" /></a>HHonors points can be converted to miles with over 40 airline partners, at around a 10:1. ratio. It's not great, but the card offers generous points for purchases. The <a rel="nofollow" target="_blank" href="http://ct.wisebread.com/click.php?pg=55&amp;pid=10&amp;pp=4&amp;uv=xname&amp;fot=1240">Hilton HHonors&trade; Card from American Express</a> earns 7x points per dollar spent at Hilton hotels, 5x points at U.S. supermarkets, at U.S. restaurants, and at U.S. gas stations, and 3x points elsewhere. New cardholders can earn 50,000 bonus points when they use their card to make $750 in purchases within the first three months of card membership. Terms and conditions apply. There is no annual fee.</p> <p><strong><a rel="nofollow" target="_blank" href="http://ct.wisebread.com/click.php?pg=55&amp;pid=10&amp;pp=4&amp;uv=xend&amp;fot=1240">Click here to learn more and apply for the Hilton HHonors&trade; Card from American Express today!</a></strong></p> <h2>IHG Rewards Club Select Credit Card</h2> <p>IHG points can be transferred to over 30 airline partners, with a transfer ratio of 10,000 points to 2,000 miles in most cases. The <a href="http://www.wisebread.com/get-free-nights-with-ihg-rewards-club-select-credit-card">IHG&reg; Rewards Club Select Credit Card</a> earns 5 points per dollar spent at IHG properties, 2 points at gas stations, grocery stores, and restaurants, and 1 point on other purchases. New cardholders can earn 70,000 bonus points after spending $2,000 on purchases within the first 3 months. Additional benefits include a free night's stay each year of card membership, platinum elite status, 50% bonus earnings, and 10% rebate on point redemptions. The $49 annual fee is waived for the first year.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/jason-steele">Jason Steele</a> of <a href="http://www.wisebread.com/5-best-credit-cards-that-transfer-points-to-airline-miles">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-5"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-best-sign-up-bonuses-for-airline-miles-credit-cards">5 Best Sign-up Bonuses for Airline Miles Credit Cards</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/this-might-be-the-best-travel-rewards-program-no-matter-what-airline-you-fly">This Might Be the Best Travel Rewards Program (No Matter What Airline You Fly)</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-best-credit-cards-for-travel-purchases">5 Best Credit Cards for Travel Purchases</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-best-credit-cards-that-transfer-points-to-hotels">5 Best Credit Cards that Transfer Points to Hotels</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/top-5-travel-reward-credit-cards">5 Best Travel Reward Credit Cards</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Credit Cards Travel airline miles best credit cards points transfer travel Sat, 13 Jun 2015 13:00:11 +0000 Jason Steele 1455616 at http://www.wisebread.com Traveling to Asia? Snatch Up AirAsia's Asean Pass http://www.wisebread.com/traveling-to-asia-snatch-up-airasias-asean-pass <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/traveling-to-asia-snatch-up-airasias-asean-pass" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/asia_000016198994.jpg" alt="Beautiful scene in Asia that makes you want to travel there" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>In January, my husband and I went on a 12-day whirlwind trip around Hong Kong, Singapore, and Thailand that seemed to have it all: great food, adventure, sightseeing, exploring various neighborhoods, and fun times with locals. (Oh, and lots of mosquito bites.) The one thing we were missing? The new Asean Pass from AirAsia, which lets you jet around Southeast Asia on a proverbial dime.</p> <p>The savings we could have snagged are pretty significant: between the two of us, we spent $655 (plus 30,000 United MileagePlus miles) jetting around to the various places on our itinerary once we arrived in Asia. But for $160 USD each, we'd have received 10 credits on our Asean Pass &mdash; enabling us to visit way more than three cities. That's about half of the cost&hellip; and a lot more value! (See also: <a href="http://www.wisebread.com/6-ways-my-family-scores-free-travel-with-credit-cards?ref=seealso">6 Ways My Family Scores Free Travel With Credit Cards</a>)</p> <p>But just because we missed out doesn't mean that <em>you</em> have to.</p> <p>Here's how it works.</p> <h2>140 Routes in 10 Countries</h2> <p>The Asean pass provides an all-in-one passport to travel more than 140 routes between 10 countries (Malaysia, Indonesia, Singapore, Thailand, Brunei, Cambodia, the Philippines, Laos, Myanmar, and Vietnam). Depending on the number of credits purchased, pass-holders have between one month (10 credits) and two months (20 credits) to complete all travel. And according to <a href="http://stevyong.com/2015/02/25/airasia-asean-pass-review/">finance blogger Stev Yong</a>, who's done the math, the pass can save you anywhere between 35%-42%.</p> <h2>Certain Routes Are Worth More Credits</h2> <p>If maximum mileage is what you're looking for, you'll probably want to choose a bunch of one-credit routes like Bangkok &rarr; Phuket or Kuala Lumpur &rarr; Singapore. (Check out a full breakdown of <a href="http://www.airasia.com/my/en/book-with-us/asean-pass.page">how many credits each route costs</a>.)</p> <p>AirAsia also provides some cool ideas for suggested itineraries. For instance, the &quot;Islands and Beaches&quot; trail takes you to Bangkok, Krabi, Kuala Lumpur, Kuala Terengganu (in Malaysia), and Lombok (in Indonesia) for a total of 10 credits, while the &quot;Epic Food Trail&quot; itinerary includes Kuala Lumpur, Chiang Mai, Bangkok, Ho Chi Minh City, and Penang for just eight credits. (See all the <a href="http://www.airasia.com/travel3sixty/digitalexclusives/how-to-make-the-most-of-your-asean-pass">itinerary possibilities</a>.)</p> <h2>Credits Can Only Be Redeemed for Base Fare</h2> <p>The price of the pass doesn't include airport taxes, so that cost will be added onto each flight that you take. (Bright side: you won't have to pay any processing fees.) Also, AirAsia is similar to low-cost American airlines like Spirit and Allegiant in that add-ons like checked baggage, seat assignments, and in-flight meals aren't included. If you know you'll be toting a large backpack or can't function without an aisle seat, be sure to factor those costs in when deciding if the pass is right for you.</p> <h2>Each Route Can Be Redeemed Once and Not All Destinations Connect</h2> <p>The pass is entirely suited to leisure explorers rather than business commuters, since pass-holders can't fly the same route more than once.</p> <p>Also, it's important to do due diligence ahead of time and make sure that the pass will suit your desired itinerary. Here's how AirAsia suggests devising a master plan: make a list with two columns &mdash; the first for must-visit cities, the second for lower-priority (but still desirable) destinations that you're open to visiting. Next, mark your first-column cities on a map and check to see if <a href="http://www.airasia.com/my/en/book-with-us/asean-pass.page">there are flights between them</a>. If not, consider incorporating some of the second-column cities to make the connection.</p> <h2>Rezzies Must Be Made 14 Days in Advance</h2> <p>Though many long-term travelers like to fly by the seat of their pants, that won't work so well with the Asean Pass. Since the pass is only good for a maximum of two months and all reservations must be made at least two weeks in advance, it's advisable to book at least most of the itinerary ahead of time (especially since seat availability can be limited, particularly on popular destinations like Bali and Phuket). If need be, flights can be changed up to 48 hours ahead of time; however, a flight change fee will apply, as well as any difference in fare.</p> <p>Also, keep in mind that you won't be able to check availability until you buy the pass &mdash; so there's a bit of a leap of faith involved (as well as the willingness to be flexible if your dream destination is a no-go). However, Danika Garlotta, who runs the blog <a href="http://www.nodestinations.com">No Destinations</a>, says it's been totally worth it for her and her husband. Having purchased 10 credits, they are currently traveling through five countries and nine different cities with the Asean Pass.</p> <p>&quot;What I love most about the pass is that it offers such an array of cities and countries to visit,&quot; says Garlotta. &quot;Some places we didn't consider before are now on our list, simply because the flight is feasible with the pass.&quot;</p> <p><em>Have you traveled through Asia via an Asean Pass? What advice can you share?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/jen-jones-donatelli">Jen Jones Donatelli</a> of <a href="http://www.wisebread.com/traveling-to-asia-snatch-up-airasias-asean-pass">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-6"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-affordable-amusement-parks-that-are-just-as-fun-as-disney">8 Affordable Amusement Parks That Are Just as Fun As Disney</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-amazing-honeymoons-that-only-seem-expensive">5 Amazing Honeymoons That Only Seem Expensive</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/travel-resources">40 Most Useful Travel Websites That Can Save You a Fortune</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-book-an-amazing-cheap-vacation-package">How to Book an Amazing Cheap Vacation Package</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/12-ways-to-save-and-make-money-while-traveling">12 Ways to Save and Make Money While Traveling</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Travel airasia asean pass overseas southeast asia travel vacations Mon, 13 Apr 2015 11:00:06 +0000 Jen Jones Donatelli 1379738 at http://www.wisebread.com 10 Life Hacks You Should Master by Age 30 http://www.wisebread.com/10-life-hacks-you-should-master-by-age-30 <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/10-life-hacks-you-should-master-by-age-30" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_cooking_000057441244.jpg" alt="Woman learning to cook by age 30" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Are you a 20-something trying your best to transition fully into adulthood? We've all been there. It's time to start developing those go-to skills that will make adult life much easier. Get started on these 10 life hacks you should master by age 30.</p> <h2>1. Changing a Flat Tire</h2> <p>As with most <a href="http://www.wisebread.com/how-to-survive-the-5-most-common-emergency-situations">unexpected emergency situations</a>, you should be prepared for the worst. Sure, AAA is great, but what if you're in the middle of nowhere, or in the middle of rush hour? A flat tire is relatively easy to fix, so learn <a href="http://www.dmv.org/how-to-guides/changing-tire.php">how to change a tire, now</a>. (You can practice in your driveway.)</p> <h2>2. Repairing Your Pipes</h2> <p>Leaky pipes and clogged drains are the kinds of nuisances that we live with until something worse happens &mdash; and that shouldn't be the case. Look like a boss with your wrench or drain snake and <a href="http://home.howstuffworks.com/home-improvement/plumbing/how-to-fix-pipes1.htm">fix leaky pipes</a> without a plumber. Your roommates or your significant other will thank you.</p> <h2>3. Assembling an Emergency Kit</h2> <p>Everyone should have an <a href="http://www.ready.gov/build-a-kit">emergency kit</a> for their home, car, and even for their work desk. Buy three nylon duffel bags, then head to the hardware store and fill them with the essentials. In addition, have a &quot;top five&quot; of close people you'd call for <a href="http://www.wisebread.com/5-people-you-should-have-in-your-personal-emergency-kit">help in an emergency</a>.</p> <h2>4. Mixing a Signature Cocktail</h2> <p>Having a <a href="http://www.popsugar.com/food/What-Your-Signature-Drink-35633409">go-to cocktail</a> that you can make for yourself is a classy life hack that will make you a better host. In the process, you'll likely want to learn more drinks. For bonus points, learn to make your signature drink in <a href="http://drinks.seriouseats.com/2011/12/cocktail-101-how-to-make-cocktails-for-a-crowd-big-batches-martinis-margaritas-manhattans.html">large cocktail batches</a> for parties.</p> <h2>5. Cooking at Least One Dish</h2> <p>Learn how to cook something from scratch! It's about time. It's always impressive to others and delicious for everyone. Pick a dish that requires a mix of multiple ingredients at different times. Spaghetti doesn't count, but spaghetti carbonara does. Start here with some <a href="http://www.wisebread.com/9-restaurant-dishes-you-can-make-at-home">great restaurant dishes</a> you can make at home.</p> <h2>6. Wrapping a Present</h2> <p>How often have you struggled to wrap a gift last minute only to reuse an old gift bag instead? Learn how to <a href="http://www.wisebread.com/15-cheap-clever-and-attractive-ways-to-save-on-gift-wrapping-paper">wrap presents creatively</a> with all kinds of materials. You may find that your recipients will enjoy your gifts even more because they love how beautiful they look before even opening them.</p> <h2>7. Calculating Tips</h2> <p>It's not difficult to calculate a tip in your head. Find it hard to solve for 20% right away? Simply take 10% of the total (move the decimal once to the left), and double that. At group meals in which the restaurant doesn't add gratuity, do the same thing, then divide that by the number of people at dinner &mdash; and make sure they don't add the tip until after they are charged for their share of the total. In the worst case scenario, Google has you covered with a <a href="https://www.google.com/webhp?sourceid=chrome-instant&amp;rlz=1CAHPZY_enUS620US621&amp;ion=1&amp;espv=2&amp;es_th=1&amp;ie=UTF-8#q=how+to+calculate+tip&amp;spell=1">tip calculator</a>.</p> <h2>8. Creating a Monthly Budget</h2> <p>Saving for the future is one of the most important things you can start doing in your 20s. These days, we have tons of programs to help <a href="http://www.wisebread.com/10-sites-and-apps-to-help-you-track-your-spending-and-stick-to-your-budget">track your spending</a> and expenses. Pick one and start budgeting month-by-month. Once you get the hang of it, start a year-long savings plan.</p> <h2>9. Effectively Packing Luggage</h2> <p>No, we don't mean <a href="http://www.wisebread.com/if-youre-traveling-with-these-8-things-youre-overpacking">cramming your belongings</a> into a carry-on! Consider your mode of travel, destination, and duration of the trip. Bring exactly the amount of undergarments, shirts, and pants you'll need, and only essential toiletries. Tip: try rolling your clothes together instead of folding for more space.</p> <h2>10. Mending Clothing</h2> <p>Wardrobe malfunctions can happen to anyone at anytime, so basic clothes mending should be in your repertoire. One should know how to sew a button, quickly re-stitch a hem, patch a small hole, and other <a href="http://www.wisebread.com/make-your-clothing-fit-perfectly-with-these-10-no-sew-fixes">basic clothing fixes</a>. Study a few <a href="http://diyfashion.about.com/od/mendingandalterations/ss/10-Clothing-Fixes-That-Everyone-Should-Know.htm">mending tutorials</a> and start practicing on old garments.</p> <p><em>What other basic life skills have you found essential to know by 30?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/amanda-meadows">Amanda Meadows</a> of <a href="http://www.wisebread.com/10-life-hacks-you-should-master-by-age-30">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-3"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/51-uses-for-coca-cola-the-ultimate-list">51 Uses for Coca-Cola – the Ultimate List</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/everything-you-need-to-know-about-frequent-flyer-miles">Everything You Need to Know About Frequent Flyer Miles</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/15-adventurous-things-you-should-do-before-you-die">15 Adventurous Things You Should Do Before You Die</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-emergency-situations-you-must-prepare-for-and-5-you-can-ignore">5 Emergency Situations You Must Prepare For (and 5 You Can Ignore)</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-diy-kitchen-skills-that-will-save-you-money">7 DIY Kitchen Skills That Will Save You Money</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Life Hacks Cooking emergency household skills travel twentysomethings Tue, 24 Mar 2015 11:00:07 +0000 Amanda Meadows 1351148 at http://www.wisebread.com 4 Exciting World Cities You Can Afford to Retire In http://www.wisebread.com/x-exciting-world-cities-you-can-afford-to-retire-in <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/x-exciting-world-cities-you-can-afford-to-retire-in" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock_000046390376_Double.jpg" alt="" title="" class="imagecache imagecache-250w" width="250" height="145" /></a> </div> </div> </div> <p>Hello pension, goodbye tension!</p> <p>You've worked hard, so it makes perfect sense to reward yourself in your retirement years. For some people, the easiest way to afford a comfortable retirement is to jump on a plane and go abroad. (See also: <a href="http://www.wisebread.com/this-is-the-basic-intro-to-having-a-retirement-fund-that-everyone-needs-to-read?ref=seealso">This Is the Basic Intro to Having a Retirement Fund That Everyone Needs to Read</a>)</p> <p>Living better for less, having access to generous tax breaks, and enjoying beautiful locales and ideal weather conditions are some of the benefits of living abroad. Here are four international cities to consider retiring in.</p> <h2>1. Panama City, Panama</h2> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5170/panama.jpg" width="604" height="350" alt="" /></p> <p>When considering retiring abroad, most people think that they have to travel halfway across the world to find the perfect spot. Panama City proves that this is not always the case. Located just a short two and half hour flight from Miami, Panama City has nonstop flight options from four other U.S. cities, such as Atlanta, Denver, Houston, and Newark. In fact, it's such a hot destination for retirees that the <a href="https://hub.united.com/en-us/news/company-operations/pages/united-nonstop-service-den-pty.aspx">Denver flight</a>&nbsp;started in December 2014 to accommodate more U.S. travelers.</p> <p>Panama allows U.S. retirees with a Social Security pension of at least $1,000 per month to become permanent residents. <a href="http://internationalliving.com/countries/panama/retire/">Benefits from this visa program</a> include 50% off entertainment (such as movies and sporting events), 25% off airline tickets, 15% off hospital bills, and 50% off closing costs for home loans. Once you qualify for Panama's &quot;pensionado&quot; visa program, you never have to renew your status.</p> <h2>2. Cuenca, Ecuador</h2> <p><img width="605" height="340" src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5123/cuenca%20ecuador.jpg" alt="" /></p> <p>Cuenca offers several advantages to U.S. retirees, including the fact that Ecuador's official currency is the U.S. dollar. This means that you don't have to worry about conversion rates and can have an easier time budgeting expenses.</p> <p>Another major plus is Cuenca's low cost living. English-speaking retired couples in Cuenca report living comfortably for about&nbsp;<a href="http://internationalliving.com/2014/01/the-best-places-to-retire-2014/">$1,500 to $1,800 a month</a>. Some publications report the average monthly rent around $300 to $400. Given the small size of the city, you don't need to buy a car. Traveling by taxi is about $2 to $3 per trip. Plus, retirees can get back the&nbsp;<a href="http://www.josephle.com/blog/how-to-get-your-vat-value-added-tax-refund-in-ecuador-for-foreign-tourists">12% value added tax</a> on qualifying goods and services purchased in Ecuador.</p> <p>The weather is also great. Cuenca is located in the sierra (highlands) region and maintains an average daytime temperature of 75 degrees Fahrenheit. This spring-like climate minimizes your need for air conditioning and heating, effectively reducing your electricity bill.</p> <p>History and culture buffs love that Cuenca is a <a href="http://whc.unesco.org/en/list/863">UNESCO World Heritage Trust site</a>. Surrounded by Spanish colonial architecture, Cuenca offers rich intellectual and artistic experiences year round. Additionally, there are several opportunities for domestic travel. Ecuador has a very diverse geography and offers beaches (such as Salinas and Manglaralto), islands (the famous Galapagos Islands), rainforests, and much more.</p> <h2>3. Malaga, Spain</h2> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5170/malaga.jpg" width="604" height="350" alt="" /></p> <p>The ongoing economic woes of the European Union have made retiring in the Old World suddenly a more feasible prospect for American retirees. Spain stands out from other European nations because it offers affordable real estate that can compete with prices found in Latin America. For example, you can find a one-bedroom apartment in Malaga's historic center <a href="http://internationalliving.com/2014/12/affordable-coastal-living-in-malaga-enjoy-a-high-quality-of-life-for-less-in-one-of-spains-best-value-cities/">starting at $182,000</a>. Or, you can rent a nice place for about&nbsp;<a href="http://www.cbsnews.com/media/worlds-10-best-cities-to-retire-on-a-budget/2/">$950 per month</a>.</p> <p>Besides its attractive real estate market and <a href="http://www.numbeo.com/cost-of-living/city_result.jsp?country=Spain&amp;city=Malaga">low cost of living</a>, Malaga provides retirees a great balance between big city life and laidback charm. The city is chock-full of art installations and exhibitions &mdash; after all, the world-famous artist Picasso was born there. Malaga is also the gateway to the Costa del Sol (literally, the &quot;Coast of the Sun&quot;), which offers several beaches within driving distance.</p> <p>Malaga's cuisine has Spanish, Jewish, and Arabic influences. This eclectic mix makes eating in Malaga a great experience for foodies. On long summer evenings, you can enjoy great food in outdoor restaurants well past midnight.</p> <h2>4. Penang Island, Malaysia</h2> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5170/malaysia.jpg" width="604" height="350" alt="" /></p> <p>If your idea of retiring abroad involves exotic destinations, then Penang Island in Malaysia may be the right choice for you. Just like Panama, Malaysia offers a visa pension program (known as <a href="http://www.mm2h.gov.my">Malaysia My Second Home</a>, renewable every five to 10 years) that offers several benefits, such as help for importing your car and household items for virtually nothing, transporting your pet, and hiring a live-in housekeeper.</p> <p>English is the official second language of Malaysia, facilitating communication. There are plenty of English-speaking locals and the estimated expat population is above 40,000, according to expat organizations such as the <a href="http://www.klamerican.com">American Association of Malaysia</a>.</p> <p>Hospital facilities in Malaysia have such an excellent reputation that &quot;medical tourism&quot; is a driving economic force. Retirees report that many doctors and dentists are trained in the U.S. or UK and that appointments cost as little as $11.</p> <p>Retiring abroad isn't for everyone. It requires a love for adventure and a passion for the lifestyle of your retirement haven. Before making a permanent move overseas, consider spending at least three to six months visiting. If the benefits keep you charmed during that trial period, you can be confident you're making the right decision.</p> <p><em>Are you planning to retire abroad? Where?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/damian-davila">Damian Davila</a> of <a href="http://www.wisebread.com/x-exciting-world-cities-you-can-afford-to-retire-in">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-7"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-incredible-places-to-retire-abroad-that-anyone-can-afford">5 Incredible Places to Retire Abroad That Anyone Can Afford</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/are-you-on-this-list-of-cushiest-retirement-jobs">Are YOU on This List of Cushiest Retirement Jobs?</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-great-retirement-jobs">6 Great Retirement Jobs</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/just-saving-isnt-enough-how-cash-flow-allocation-helps-you-retire">Just Saving Isn&#039;t Enough: How Cash Flow Allocation Helps You Retire</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-reasons-to-fire-your-financial-adviser-soon">5 Reasons to Fire Your Financial Adviser Soon</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Career and Income Retirement retirement retiring abroad travel Fri, 09 Jan 2015 14:00:07 +0000 Damian Davila 1277447 at http://www.wisebread.com 14 Things You Forget to Do Before Leaving for Vacation http://www.wisebread.com/14-things-you-forget-to-do-before-leaving-for-vacation <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/14-things-you-forget-to-do-before-leaving-for-vacation" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman-office-vacation-luggage-Dollarphotoclub_72220936.jpg" alt="woman office vacation" title="woman office vacation" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>You have a million things to do before you leave for a trip, so it's very easy to let some important to-dos slip through the cracks. Read through our list of things people often forget to do before bidding adieu to their homes to make sure you're ready for your next travel adventure!</p> <p>RELATED: <a href="http://www.popsugar.com/smart-living/Reasons-Why-You-Need-Vacation-36166220">You Might Be Suffering From Vacation Deprivation</a></p> <p>1. <strong>Pay off your bills before you leave or schedule automatic payments for your bills</strong>. You definitely don't want to be responsible for any late fees.</p> <p>2. <strong>Sort through your wallet and remove items you don't need for your trip</strong>. Think foreign currency from your last trip, extra credit cards, or reward cards that only apply in your country of residence.</p> <p>3. <strong>Make copies of important items</strong>. Be sure to have copies of your passport and credit cards with you in case you lose them on your trip. You can always have paper copies or scanned copies in your email &mdash; whatever you feel comfortable with.</p> <p>4. <strong>Update your calendar</strong>. Be sure to check your work calendar to see what commitments you have made while you are gone. Reschedule them before you leave. Check what other non-work appointments you have in store for you, and cancel or postpone them.</p> <p>5. <strong>Put mail on hold</strong>. You don't want strangers knowing that you're away with the pile of newspapers at your door, so be sure to go to the USPS website to request to hold your mail. You also don't want a mailbox that overstuffed when you're back from your vacation.</p> <p>6. <strong>Call your bank</strong>. Let your bank or credit card provider know that you're going to be out of town so they should expect to see some international charges.</p> <p>7. <strong>Unplug and switch off</strong>. Remember to turn everything off, or better yet, unplug them, to conserve energy and money.</p> <p>8. <strong>Create an automated email response</strong>. Remember to create an automated email response or even a personalized voicemail to let people who are trying to get in touch with you know that you're out of town.</p> <p>9. <strong>Make a checklist of things to bring and double check it</strong>. Include things like money, prescriptions, itinerary, confirmation numbers, emergency contact numbers, chargers, passport, tickets, and more.</p> <p>10. <strong>Pick up reading material and snacks</strong>. Don't blow your budget at the airport by forgetting to buy these items beforehand.</p> <p>11. <strong>Clean out your fridge and trash</strong>. Clean out perishables from the fridge so you're not in for a nasty surprise when you get back. Take out your trash as well so your apartment will smell fresh and clean.</p> <p>12. <strong>Wash your sheets and laundry</strong>. We often don't think about washing our sheets before we leave, but there's nothing more inviting than a fresh bed after we get back from our weary travels.</p> <p>13. <strong>Pack your chargers, and fully charge your electronics</strong>. We often forget our chargers when we're on a trip, which causes us to buy some from the area we're visiting. Remember to pack your chargers before you leave and to also fully charge your electronics, so you won't run out of batteries before you arrive at your hotel.</p> <p>14. <strong>Put liquid items in plastic baggies</strong>. Be sure to put your liquid items, such as cosmetics, into plastic baggies so they won't get confiscated by customs.</p> <div class="field field-type-text field-field-blog-teaser"> <div class="field-items"> <div class="field-item odd"> Honey? I think I left the oven on. </div> </div> </div> <div class="field field-type-text field-field-guestpost-blurb"> <div class="field-label">Guest Post Blurb:&nbsp;</div> <div class="field-items"> <div class="field-item odd"> <p style="text-align:center;"><a href="http://www.savvysugar.com" style="border:none;"><img alt="" src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u921/POPSUGARrgb.jpg" style="height:95px; width:300px" /></a></p> <p><em>This is a guest contribution from our friends at </em><a href="http://www.savvysugar.com/"><em>POPSUGAR Smart Living</em></a><em>. Check out more useful articles from this partner:</em></p> <ul> <li><a href="http://www.popsugar.com/smart-living/Travel-Photo-Ideas-31563033">20 Travel Photos You Must Take on Your Next Trip</a></li> <li><a href="http://www.popsugar.com/smart-living/Calming-Travel-Playlist-36216000">77 Calming Songs For Anyone Who Hates Flying</a></li> <li><a href="http://www.popsugar.com/smart-living/Upcycled-Map-Tile-Coasters-35068845">Give Old Maps New Life as Tile Coasters</a></li> </ul> </div> </div> </div> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/popsugar-smart-living">POPSUGAR Smart Living</a> of <a href="http://www.wisebread.com/14-things-you-forget-to-do-before-leaving-for-vacation">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-8"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-things-the-united-states-should-copy-from-other-countries">10 Things the United States Should Copy From Other Countries</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-flight-booking-hacks-to-save-you-hundreds">10 Flight Booking Hacks to Save You Hundreds</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-fun-frugal-vacations-for-people-over-30">7 Fun, Frugal Vacations for People Over 30</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/11-vacation-destinations-that-stretch-your-dollar">11 Vacation Destinations That Stretch Your Dollar</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/make-your-escape-with-these-14-affordable-weekend-getaways">Make Your Escape With These 14 Affordable Weekend Getaways</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> General Tips Travel forgetfulness holiday memory travel vacation what to pack Wed, 24 Dec 2014 10:00:09 +0000 POPSUGAR Smart Living 1272038 at http://www.wisebread.com 23 Tips for Traveling With Pets http://www.wisebread.com/23-tips-for-traveling-with-pets <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/23-tips-for-traveling-with-pets" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/dog-car-travel-104523329-small.jpg" alt="dog travel" title="dog travel" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>You don't want to leave your furry family members behind if you don't have to. So here are 23 tips for traveling with pets to help you navigate the world of sticky border regulations, pet-friendly accommodation hacks, flying with pets, gear to make the journey easier, and much more.</p> <h2>Before You Go</h2> <p>Before you take to the road with your pet, you'll want to cover the following basics.</p> <h3>1. Research Embassy Requirements</h3> <p>Lauren and Kenin Bassart of <a href="http://www.theconstantrambler.com/">TheConstantRambler</a> have been traveling the world full-time with their dog Zoe, a wiemaraner, since 2012. They find that traveling with a dog sometimes dictates where they can and can't go.</p> <p>&quot;Different countries have different requirements. Many countries require quarantine periods and we avoid those when taking Zoe. Most countries require shots for rabies, bordetella (kennel cough), and parvo. Call an embassy and do your research online to see what the country's requirements are, and make sure to have your paperwork handy when crossing the border.&quot;</p> <p>You can research various country requirements at <a href="http://www.pettravel.com/passportnew.cfm">PetTravel.com</a>.</p> <h3>2. When Entering or Leaving a Country, Your Itinerary Matters</h3> <p>In researching pet travel requirements, consider both where you're going and where you're coming from. Gigi Griffis has also been on the road since 2012 with Luna, her pint-sized schnauzer-yorkie mix, who has 11 passport stamps and counting. She has a section for dog travel tips on her website <a href="http://www.gigigriffis.com/category/luna/">Gigigriffis.com</a>.</p> <p>&quot;Countries (especially those with low incidence of or no incidence of rabies) have requirements that vary based on where you are coming from. If you are coming directly from the U.S. or Canada, the requirements are often as simple as a vet visit, some paperwork, and a stamp from the appropriate U.S. or Canadian authorities. If you are coming from South Africa or Thailand, the rules might be different.&quot;</p> <p>It's not just about your last destination either, Gigi says even layovers in certain countries can affect your pet's ability to cross borders. You can find US requirements on the <a href="http://www.aphis.usda.gov/wps/portal/aphis/ourfocus/animalhealth?1dmy&amp;urile=wcm:path:/aphis_content_library/sa_our_focus/sa_animal_health/sa_export_from_us/sa_live_animals/ct_iregs_animal_exports_home">APHIS website</a>.</p> <h3>3. Get a Health Certificate</h3> <p>Health certificates are required by airlines, border authorities, hotels, pet-care centers, and others. In many cases you need to get your health certificate within 10 days of starting your trip. Research the specific requirements of your itinerary before visiting the vet, so they can include everything necessary in the certificate.</p> <h3>4. Keep an Electronic Copy of Your Pet's Health Certificate</h3> <p>Many hotels, travel operators, pet care centers, airlines, and customs and immigration agencies require a printed record of your pet's veterinary certificate. Instead of printing off reams of copies for every possible instance, just print off a couple and keep an electronic copy.</p> <p><a href="http://www.twitter.com/myschatheriault">Myscha Theriault</a> is a best-selling author and internationally-syndicated travel columnist who travels full-time with her science journalist husband and giant Labrador retriever. With her electronic copy handy, she's always ready to produce her dog's health certificates as needed.</p> <p>&quot;The hotel's business center printer allows me to print a PDF copy of our Labrador's shot records as required, for example whenever we need to book an afternoon of daycare for her from the road. It keeps the paper clutter down day-to-day, while still remaining prepared for last-minute changes in our schedule.&quot;</p> <h3>5. Research Local Vets</h3> <p>Just in case something happens on the road, you don't want to be scrambling to find a reputable vet. Record the contact information for a few vets in the area you're visiting before you go.</p> <h3>6. Don't Carry Endless Amounts of Pet Food</h3> <p>Instead of worrying about finding a specific brand of pet food or carrying bags of food across borders, Gigi focuses on the ingredients.</p> <p>&quot;I usually carry enough food for a few days and then buy a bag of food when I arrive. Since different countries tend to have different brands, it's important that you know what ingredients are in your pet's food. Instead of trying to find your brand, look for a food that has the same basic structure. If you feed your pet something with chicken and grains (the majority of dog foods), look for chicken and grains. Even switching brands, I find that Luna's digestive system does fine if I stick with the right ingredients.&quot;</p> <h3>7. Bring a Pet First Aid Kit</h3> <p>You don't want to overdo it, but having a little kit to care for your pet can prevent you from scrambling for something at the last minute. Pawfriendly has some good suggestions for what to include in <a href="http://www.pawfriendly.com/community/pet-first-aid-kits">your pet's first aid kit</a>.</p> <h2>Flying With Pets</h2> <p>Flying with pets isn't particularly easy for either the pet or the owner, but it certainly isn't impossible. Here are some tips to make the process smooth.</p> <h3>8. Call the Airline</h3> <p>Airlines have differing regulations for traveling with pets, such as pet carrier dimensions, required health certificates, etc. Always check with the airline for their requirements before you book. You can view <a href="http://www.pettravel.com/airline_rules.cfm">various airline requirements here</a>, but you should still call the airline to confirm that their rules haven't changed.</p> <h3>9. Choose an Airline-Friendly Carrier</h3> <p>Petco, a company that features pet products (including these <a href="http://www.petco.com/N_4294955108/Airline-Travel-Shop.aspx">airline-travel-friendly pet carriers</a> and toys) suggests the following tips when selecting a carrier suitable for your pet and flying with them:</p> <ul> <li>Your pet should be able to stand freely, turn around, and fully lie down in the carrier.<br /> &nbsp;</li> <li>Cats, who are especially prone to stress when flying, can be calmed with special sprays designed to reduce feline anxiety. For dogs, there are supplements that do the same thing as well as prevent motion sickness.<br /> &nbsp;</li> <li>Put a familiar towel/blanket or toy in the carrier with your pet to provide them with comfort and a sense of home.</li> </ul> <h3>10. How and When to Crate Your Pet</h3> <p>Cesar Milan (the Dog Whisperer) has lots of <a href="http://www.cesarsway.com/tips/seasonal/cesars-travel-tips">pet-friendly travel tips</a> on his website. Among them, he has some good tips with regards to when and how to crate your pet.</p> <ul> <li>Don't leave anything in the crate (like leashes or loose collars) that can harm your pet.<br /> &nbsp;</li> <li>Don't treat the crate like a prison, for example by using a sad voice and saying things like &quot;sorry&quot; when you crate them.<br /> &nbsp;</li> <li>Fast your pet for four to six hours prior to crating them to fly, so they don't have a full stomach/bladder.<br /> &nbsp;</li> <li>Exercise your pet as close to departure time as possible.<br /> &nbsp;</li> <li>Crate your pet before entering the airport, which can be a stressful environment.</li> </ul> <h3>11. If Traveling in the Hold</h3> <p>If your pooch needs to travel in the hold, try to book direct flights. Clip their nails so they don't get caught on anything, and make sure you spend a few weeks getting your pet used to their crate before traveling to reduce anxiety. Also, carry a picture of your pooch (in case they're misplaced &mdash; yes, it happens), and notify the flight attendants/captain that you have a pet in the hold. The Humane Society website has some other <a href="http://www.humanesociety.org/animals/resources/tips/traveling_tips_pets_ships_planes_trains.html">good tips for flying with a pet in the hold</a>, in addition to a variety of general pet travel tips.</p> <h2>Staying in Hotels</h2> <p>Hotels have varying services and restrictions when it comes to checking in with pets. Here are some hotel hacks from the experts:</p> <h3>12. Finding Pet-Friendly Hotels</h3> <p>Myscha says La Quinta and Red Roof Inn are chains that typically take pets without a nightly fee. When there isn't one around, Myscha turns to tourism boards for suggestions.</p> <p>&quot;We typically ask the local tourism board and visitor center for recommendations of the more unique spots. They are always way more in-the-know than even the most up to date [pet-hotel] website.&quot;</p> <h3>13. Ask Questions Before You Book</h3> <p>Pet policies differ dramatically by hotel. Ask the following questions to ensure you're getting a good fit for both you and your pet:</p> <ul> <li>Are there additional fees for checking in with pets?<br /> &nbsp;</li> <li>Do you have size restrictions?<br /> &nbsp;</li> <li>Are there any resident pets? (Depending on the pet, they could be problematic or a great playmate).<br /> &nbsp;</li> <li>Do you offer services for pets (anything from providing food/water bowls to pet-sitting services)?<br /> &nbsp;</li> <li>What are the rules and restrictions (for example are there certain areas I can and can't go with my pet)?<br /> &nbsp;</li> <li>Do you have rooms with easy access to the outdoors?<br /> &nbsp;</li> <li>Are there nearby parks where I can exercise my pet?</li> </ul> <h3>14. Book a Hotel With an Outdoor Restaurant or Bar</h3> <p>&quot;Having a resort where there are bars with outdoor access and tables or tie-on poles is a great perk for us,&quot; says Myscha. Her pup doesn't do well in restaurants, but can handle hanging out in an outdoor establishment. &quot;Strolling downstairs when the venue isn't crowded enables us to at least have a drink outside of the room without having to book daycare for the dog.&quot;</p> <h3>15. Train Your Pet to be Rental-Friendly</h3> <p>Gigi stays mostly in apartments through vacation rental sites like AirBnB. Instead of focusing on finding pet-friendly rentals, she focuses on making her dog a rental-friendly pet. (See also: <a href="http://www.wisebread.com/how-to-find-and-book-the-best-vacation-rentals?ref=seealso">How to Find and Book the Best Vacation Rentals</a>).</p> <p>&quot;I don't worry about whether the places are pet-friendly or not. Instead, I find four or five places I'd like to stay and reach out with a message that asks if they would be willing to make an exception for my dog explaining why she's an exception-worthy tenant. These reasons are that she is a non-shedding breed, small (about 12 lbs/6 kilos), therapy trained to work with kids in hospitals (and thus very well behaved), and has landlord references. For the most part, landlords and hotel owners are worried that pets will make noise, destroy something, leave hair all over the room, or bother other guests. If you can put these fears to rest, you have a chance of getting an exception.&quot;</p> <h3>16. Get &quot;Landlord&quot; References</h3> <p>For Gigi, the key to having a rental-friendly pet is in producing references. &quot;Almost nobody thinks about doing this, but it is endlessly helpful. Whenever you stay somewhere with your pet, ask the landlord or owner to mention the pet in their reference. It's a simple matter for the landlord and helps future landlords evaluate your exception request with confidence.&quot;</p> <h3>17. Request a Room on the First Floor</h3> <p>Many pet-friendly hotels will assign you a first floor room (or even better, one with direct outside access), but it's always good to ask. Myscha always specifically requests a first-floor room. &quot;Elevator or not, it's a pain in the neck to do midnight potty break runs with your pooch if you have to travel down several floors to do it.&quot;</p> <h3>18. Checking-In: What to do First</h3> <p>&quot;When you check into your hotel room make sure to bring your luggage, your pet's food, and their bedding in immediately. The smell is comforting and the pet will feel more at home in the hotel knowing that there are things in the room that smell familiar,&quot; says Lauren.</p> <p>Once initially settled in, Lauren and Kenin continue the integration process. &quot;We take a short stroll around the hotel and come back into the room 15-20 minutes later. This keeps separation anxiety at bay because they know we are not abandoning them. It also let's us know if they are going to bark or not when we leave for a longer period of time.&quot;</p> <h3>19. Have a Toy for Distraction While Checking In and Unpacking</h3> <p>Myscha uses the hotel mini-fridges to freeze a Kong full of peanut butter for times when they're tending to business and unable to pay attention to their dog. &quot;This keeps her distracted during lobby meetups, or while we are unpacking and organizing the room.&quot;</p> <h3>20. Continental Breakfast? Stock Up on Peanut Butter Packs</h3> <p>&quot;The [single-serve packets of peanut butter] at the morning continental breakfast bar are great for filling in when you've run out of your travel stash, and they can also be used for administering medication pills without fuss,&quot; says Myscha. She adds that grabbing a piece of bacon or sausage or even some cereal can come in handy when you've run out of treats and there's no convenience store in sight.</p> <h2>Road Trips With Pets</h2> <p>Going on a road trip? This is a much easier way of traveling with pets than flying, but there are still a few things to be aware of.</p> <h3>21. Limit Driving Times Each Day</h3> <p>Mary and Al Hone of <a href="http://www.talesfromthebackroad.com/">Tales From the Back Road</a> have been traveling full-time in their RV with their two dogs (Roxy and Torrey) for over two years. Despite traveling with all the comforts of home, they limit the amount of time spent on the road itself. &quot;We try to not travel more than five or six hours per day. It's tiring for us, and boring for the dogs. We make frequent stops at parks, or somewhere we can play fetch, or just somewhere we can walk.&quot;</p> <h3>22. Make it Comfortable, and Strap Them In</h3> <p>Lauren says preparing the car helps to make their pooch comfortable, and alleviates their worries while driving. &quot;She has a bed in the back of our VW with a blanket and her favorite toy. She is also harnessed and seat-belted so she is safe in case of emergency.&quot;</p> <p>Mary and Al are also sure to secure their dogs to keep everybody safe. &quot;Torrey has a seatbelt harness, and Roxy has a car seat to keep them both safe as we travel. This also keeps them from being a distraction to the driver.&quot;</p> <h3>23. Have Fresh Water and Treats On-Hand</h3> <p>&quot;We have a portable doggie water bottle and make frequent stops to let her stretch her legs and hydrate,&quot; says Lauren.</p> <p>Mary and Al also ensure they have some food on hand for wonky driving schedules. &quot;If we miss dinner time for the dogs, they know it and remind us. The treats keep them happy until we can stop and get them their dinner. They are also good for rewarding good behavior and patience.&quot;</p> <p><em>Have you tried traveling with pets? Leave your best tips and recommendations in the comments!</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/nora-dunn">Nora Dunn</a> of <a href="http://www.wisebread.com/23-tips-for-traveling-with-pets">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/12-ways-to-save-and-make-money-while-traveling">12 Ways to Save and Make Money While Traveling</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-ways-to-get-free-or-almost-free-airline-tickets">10 Ways to Get Free (or Almost Free) Airline Tickets</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-personal-finance-tips-for-animal-lovers">7 Personal Finance Tips for Animal Lovers</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-make-400-a-week-as-a-pet-sitter">How to Make $400+ a Week as a Pet Sitter</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-6-least-expensive-dog-breeds-to-own">The 6 Least Expensive Dog Breeds to Own</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Travel dogs pets travel traveling with dogs Wed, 19 Nov 2014 18:00:09 +0000 Nora Dunn 1256479 at http://www.wisebread.com