charity http://www.wisebread.com/taxonomy/term/64/all en-US Can I Write It Off as Charity? http://www.wisebread.com/can-i-write-it-off-as-charity <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/can-i-write-it-off-as-charity" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock-482607478.jpg" alt="Woman learning if she can write it off as charity" title="" class="imagecache imagecache-250w" width="250" height="141" /></a> </div> </div> </div> <p>A family member of mine has won some pretty sweet prizes through charity raffles. They have won tablets, and even a huge flat screen TV. When I asked them their secret, they said that they buy a lot of tickets, since raffle tickets are tax-deductible.</p> <p>But wait. Is buying raffle tickets through a charity event really something you can write off on your taxes, especially when you get to take home a prize worth more than $500?</p> <p>In short, no. More on that in a minute.</p> <p>Just because you give money to what you consider to be a good cause, doesn't mean the IRS considers it tax deductible.</p> <p>Here is a quick guide to what you can and cannot write off as charitable deductions.</p> <h2>1. Charity Balls and Fundraiser Buys</h2> <p>Many charities and churches sell fundraiser items, such as gift certificates, cookbooks, or other merchandise. You might think buying such products is considered a charitable contribution. But it's not in the eyes of the tax man. The IRS says that you cannot claim a tax deduction if you <a href="https://www.irs.gov/uac/eight-tips-for-deducting-charitable-contributions" target="_blank">exchanged money for goods</a>. &quot;If you receive a benefit because of your contribution such as merchandise, tickets to a ballgame, or other goods and services, then you can deduct only the amount that exceeds the fair market value of the benefit received,&quot; according to the webpage.</p> <p>This means that if you paid $120 for a $100 massage gift certificate in the name of charity, then you can only write off $20 as a donation. For charity balls, many times the organization will tell you if you can write off a portion of your ticket. However, you must deduct the fair-market cost of your meal, venue, and entertainment from the ticket cost &mdash; even though the charity may have paid little or nothing for those expenses. In many cases, once you subtract those costs from your ticket price, there is nothing left for you to write off.</p> <p>So, if you really don't want that cookbook or a night at a charity event, but you want to donate and get a tax exemption, then donate money instead. If you donate cash or a check, make sure you get a receipt. You can also donate online to many organizations with a credit card, which will give you the proper documentation for tax purposes. (See also: <a href="http://www.wisebread.com/best-credit-cards-that-give-back-to-charity?ref=internal" target="_blank">Best Credit Cards That Give Back to Charity</a>)</p> <h2>2. Raffle Tickets<strong> </strong></h2> <p>Do not make the same mistake my relative made. The IRS guide to charitable contributions specifically states that you <a href="https://www.irs.gov/pub/irs-pdf/p526.pdf" target="_blank">cannot write off</a> any raffle tickets, lottery tickets, or bingo games purchased for charity. This is true whether you win something or not.</p> <p>In fact, these raffle tickets are considered a bet, and you can write it off as a <em>gambling loss</em> deduction. However, you can only write off a gambling loss if you also report gambling winnings that same year. Gambling losses are only deductible up to the amount of gambling winnings, and must be reported on an IRS Form 1040.</p> <h2>3. Race or Walk Donations<strong> </strong></h2> <p>Participants in a charity walk or race cannot write-off the entry fee. This is because you are paying to participate in the run or event. If you were to do a non-charity walk or racing event, you would still pay an entry fee.</p> <p>If you donate money to an event like a cancer walk, not counting the entry fee, you can write it off because this is considered a straight donation. However, it is important to have proper documentation of your donation. Online donations are the easiest way to track your contributions and ensure your money goes directly to the organization.</p> <h2>4. Promised Donations or Pledges</h2> <p>Many charities hold pledge drives or allow individuals to sign up to give a certain amount of money each month. You cannot write off promised donations or pledges that you have not yet fulfilled. For example, if I signed up with Charity A to give $50 a month for a year in November 2016, I cannot claim that I donated $600 to the charity. Instead, I will only be able to write off $100 worth, for November and December. Only the actual money that's left your hands is deductible.</p> <h2>5. Political Donations<strong> </strong></h2> <p>No matter who you voted for in the 2016 history-making election, you cannot write off any contributions you made to that party. This applies to all elections, not just the presidential vote. If you gave money to political organizations, you cannot write it off. Period. This rule applies to groups that lobby for law changes, as well.</p> <h2>6. Donated Time or Blood<strong> </strong></h2> <p>No, you cannot write off donated time or blood, but thank you for doing so. Your generosity here won't lower your tax bill, but it will make a difference.</p> <h2>7. Donated Frequent Flyer Miles</h2> <p>Donating miles is a great way to make sure they get used for a good cause. However, you cannot write off your donation of miles. The IRS views your miles as a coupon or bonus discount. In the same tune, if you paid for a business trip or a trip for medical reasons with frequent flyer miles, you would not be able to write off the trip as a business or medical expense. (See also: <a href="http://www.wisebread.com/6-ways-to-sell-or-donate-your-airline-miles?ref=internal" target="_blank">6 Ways to Sell or Donate Your Airline Miles</a>)</p> <h2>8. Donated Clothing or Household Items</h2> <p>Donating unused items to Goodwill and other charities is a great way to clean out your closet or garage, and get a small tax kickback to boot. However, you are only allowed to deduct the fair market value of the item. For example, if you donated a designer purse that you paid $1,000 for, you cannot write off $1,000. Instead, you would need to claim the resale or eBay value of the item, which might only be $400.</p> <p>There are a few apps that make tracking donations easier. <a href="https://turbotax.intuit.com/personal-taxes/itsdeductible/" target="_blank">Turbotax's ItsDeductible </a>app allows you to track donations and will help you figure out the value of the item that you can write off. <a href="https://www.taxact.com/support/766/2016/donation-assistant" target="_blank">Donation Assistant Through TaxAct</a> allows you to take photos of items you donate and receipts to stay on track all year long.</p> <h2>Make Sure Your Charities Are Truly Charities</h2> <p>It is important to make sure that you donate to charities that are eligible for tax write-offs. The charity must fall under section 501(c) (3) of the tax code. Don't assume that all nonprofits fit under the charity guidelines. When in doubt, ask the charity for their tax ID number for deduction purposes. (See also: <a href="http://www.wisebread.com/how-to-spot-a-charity-scam-from-a-mile-away?ref=seealso" target="_blank">How to Spot a Charity Scam From a Mile Away</a>)</p> <p>Generally, donations to organizations that are considered public charities are tax-deductible. The IRS classifies most churches, hospitals, qualified medical research organizations affiliated with hospitals, schools, colleges, and universities as public charities. The IRS also allows you to <a href="https://www.irs.gov/charities-non-profits/search-for-charities" target="_blank">search organizations</a> that qualify to receive a tax-deductible contribution on its site.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/ashley-eneriz">Ashley Eneriz</a> of <a href="http://www.wisebread.com/can-i-write-it-off-as-charity">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/you-should-make-these-11-easy-donations-before-time-runs-out">You Should Make These 11 Easy Donations Before Time Runs Out</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/charitable-giving-get-a-receipt">Charitable giving - get a receipt</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/cleaning-out-for-a-cause-make-a-noncash-tax-deductible-donation">Cleaning Out for a Cause: Make a Noncash Tax-Deductible Donation</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/7-last-minute-ways-to-cut-your-2016-tax-bill">7 Last-Minute Ways to Cut Your 2016 Tax Bill</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/8-tax-tricks-to-try-if-youre-stuck-with-student-loans">8 Tax Tricks to Try if You&#039;re Stuck With Student Loans</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Taxes 501(c) (3) charitable donations charity donating giving tax deductions write offs Fri, 10 Feb 2017 10:30:37 +0000 Ashley Eneriz 1889190 at http://www.wisebread.com 7 Last-Minute Ways to Cut Your 2016 Tax Bill http://www.wisebread.com/7-last-minute-ways-to-cut-your-2016-tax-bill <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/7-last-minute-ways-to-cut-your-2016-tax-bill" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/tax_time_clock_170171888.jpg" alt="Finding last-minute ways to cut your tax bill" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Before you know it another tax season will be upon us. Do your wallet a favor and score all the deductions you can with these last-minute ways to reduce your bill in 2016.</p> <h2>1. Investment Account Balancing</h2> <p>Year-end investment account balancing is a no-brainer. If you have a taxable investment account, you should review your transactions for the year to see if you're in a net capital gain situation. If you are &mdash; says Jacob Dayan, co-founder of tax-relief service Community Tax &mdash; find some losing positions that will offset the gains and liquidate them by the last business day of December.</p> <p>&quot;If you wish to remain invested in these assets long-term, you can buy them back after 30 days,&quot; he adds. &quot;Note that this strategy also works in reverse, with one difference. If you sell a net-gain position, you don't have to wait 30 days to buy it back. In either case, if you have positions involving multiple purchases over time, identify the specific assets you want to liquidate by purchase transaction to give you the greatest tax benefit.&quot;</p> <h2>2. Charitable Donations</h2> <p>'Tis the season to give unto others &mdash; if only for the tax breaks. You have until the end of the year to make charitable donations that will count toward your 2016 contributions for tax purposes.</p> <p>&quot;All charitable donations made to qualifying organizations before December 31 will count toward your 2016 deduction, as long as you itemize your deductions,&quot; says Pennsylvania-based certified public accountant William Ray. &quot;Deductions are generally limited to 50% of your adjusted gross income, although additional restrictions may apply for those in higher income brackets. You may also deduct the current fair market value &mdash; not your original cost &mdash; of noncash contributions made to qualifying organizations. Certain noncash contributions may require additional support or an appraisal, so you should review <a href="https://www.irs.gov/pub/irs-pdf/p526.pdf">IRS Publication 526</a> before claiming noncash contributions.&quot;</p> <p>It's also important to track your volunteer time.</p> <p>Ray adds, &quot;Although you cannot make a deduction for your time, you may claim a deduction for any mileage driven using your personal vehicle ($0.14 per mile) and any out of pocket expenses that are not reimbursed. As is the case with any deduction, documentation and support should always be maintained for all contributions.&quot;</p> <p>Financial planner Andy Yadro details another option for end-of-year giving.</p> <p>&quot;Consider contributing to a donor-advised fund,&quot; he suggests. &quot;You get an immediate tax benefit and your money can be invested with potential to grow. This is a great last minute option for someone who wants to make a donation, but hasn't decided which charity it should go to.&quot;</p> <h2>3. Max Out Retirement Contributions</h2> <p>Were you fortunate enough to get a holiday bonus? Use it to top of your tax-deferred retirement accounts such as an IRA. Even better, kick in a few extra dollars from your regular paycheck. You'll boost your savings while reducing your taxable income. However, be aware of the contribution limits for both types of retirement account.</p> <p>&quot;If you or your spouse are not covered by a retirement plan through your employer, you're both eligible to contribute up to $5,500 each to an IRA ($6,500 if you are over age 50),&quot; Ray says. &quot;You may be eligible to make a contribution, even if you are covered by a retirement plan through your employer, depending on your income.&quot;</p> <p>You also have until April 15, 2017, to make this contribution and still have it count toward your 2016 taxes. However, it's highly recommended that you do not file your tax return until you make the contribution. If you claim the deduction but cannot pay, you'll need to file an amended tax return by April 15, 2017, or pay penalties and interest.</p> <h2>4. Pay Your State or Local Income Tax Bill Early</h2> <p>If you itemize deductions, you can claim a deduction for state income taxes paid during the calendar year. This includes any amounts paid for your 2015 tax liability that were paid in calendar year 2016.</p> <p>&quot;If you consistently owe taxes on your state or local tax returns, paying them early can result in immediate federal tax savings,&quot; Ray explains. &quot;States and localities allow you to make estimated tax payments or prepayments at any time during the year. If you make a payment before December 31, 2016, that payment can be deducted on your 2016 federal tax return. But be careful of overpaying. If you overpay and receive a state or local income tax refund, you will need to claim that as income on your 2017 federal tax return.&quot;</p> <h2>5. Make January's Mortgage Payment in December</h2> <p>One of the joys of homeownership is taking advantage of the various tax breaks the government provides. The biggest of these is the mortgage interest deduction. If you can spare the extra cash, consider making your January 2017 mortgage payment before the end of the year. You'll be able to deduct the mortgage interest on your 2016 tax form. Don't get greedy here, though. Tax law generally prohibits taking annual deductions on &quot;prepaid interest,&quot; so you won't be able to pay February's mortgage bill and claim that for 2016, too. For more on the tax advantages of homeownership, see the <a href="http://www.taxpolicycenter.org/briefing-book/what-are-tax-benefits-homeownership">Tax Policy Center's analysis</a>. (See also: <a href="http://www.wisebread.com/4-tax-deductions-new-homeowners-shouldnt-skip?ref=seealso">4 Tax Deductions New Home Owners Shouldn't Skip</a>)</p> <h2>6. Review Your Health Coverage</h2> <p>If you're covered by a high-deductible health plan, you may qualify for a Health Savings Account (HSA) and contribute $3,350 ($6,750 for a family) to the plan &mdash; all of it tax-deductible.</p> <p>&quot;Many employers now offer high-deductible health plans, meaning employees often have to pay thousands toward a deductible before their health coverage kicks in,&quot; Ray says.</p> <p>To offset this cost, you may qualify for an HSA.</p> <p>&quot;An HSA is basically a 'retirement account for health care' and is becoming more common each year,&quot; Ray continues. &quot;The HSA allows you to contribute to an investment account that can grow tax free over time, while receiving a deduction on your tax return. You even receive a deduction if you don't itemize. The account can then be used to cover qualifying medical costs. Unlike a Flexible Spending Account (FSA), an HSA is 'your money' and can grow over time, rather than being forfeited at the end of the year.&quot;</p> <p>Check with your employer to see if your plan qualifies for an HSA. (See also: <a href="http://www.wisebread.com/11-surprising-things-your-hsa-will-cover?ref=seealso">11 Surprising Things Your HSA Will Cover</a>)</p> <h2>7. Prepay Real Estate Tax</h2> <p>If you foresee a changing income situation, supplement next year's loss with a right-now gain. Yadro suggests prepaying your real estate taxes and taking the deduction now.</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/7-last-minute-ways-to-cut-your-2016-tax-bill">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/can-i-write-it-off-as-charity">Can I Write It Off as Charity?</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/you-should-make-these-11-easy-donations-before-time-runs-out">You Should Make These 11 Easy Donations Before Time Runs Out</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/charitable-giving-get-a-receipt">Charitable giving - get a receipt</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/cleaning-out-for-a-cause-make-a-noncash-tax-deductible-donation">Cleaning Out for a Cause: Make a Noncash Tax-Deductible Donation</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/8-tax-tricks-to-try-if-youre-stuck-with-student-loans">8 Tax Tricks to Try if You&#039;re Stuck With Student Loans</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Taxes charitable deductions charity HSA income tax investments last minute deductions mortgages real estate retirement contributions tax bill tax deductions Mon, 26 Dec 2016 10:30:23 +0000 Mikey Rox 1860478 at http://www.wisebread.com 8 Charities You Can Trust With Your Holiday Donations http://www.wisebread.com/8-charities-you-can-trust-with-your-holiday-donations <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/8-charities-you-can-trust-with-your-holiday-donations" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/girl_cuddling_dog_485251750.jpg" alt="Girl finding charities she can trust with holiday donations" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>'Tis the season for giving, and giving to charity is the perfect way to help those in need while also helping yourself to a tax break. But how do you know which charities are the best? There are thousands of great charities out there doing amazing things with donated money, but there are also shady charities that are just out to get your money.</p> <p>Here we have collected some of the highest rated charities according to Consumer Reports and Charity Navigator. Whether you are an animal lover or want to help countries in need, there is a charity supporting that cause. Don't see a charity for you on the list? Check out Consumer Reports' full list of the <a href="http://www.consumerreports.org/charitable-donations/best-and-worst-charities-for-your-donations/">highest and lowest rated charities</a> in each category. (See also: <a href="http://www.wisebread.com/best-credit-cards-that-give-back-to-charity?ref=seealso">Best Credit Cards That Give Back to Charity</a>)</p> <h2>For Animal Lovers</h2> <p>Our furry friends need our help!</p> <h2>1. World Wildlife Fund</h2> <p>The <a href="http://gifts.worldwildlife.org/gift-center/gifts/Species-Adoptions.aspx">World Wildlife Fund</a> (WWF) allows animal lovers to donate money to help species of wild animals. A $55 donation allows you to help wildlife while also earning you a small animal plush of your choice, photo, adoption of certification, species card, and gift bag. This charity is a fun one if you are looking to give a donation in lieu of a gift, since the WWF donation comes with a little gift.</p> <h3>2. Petsmart Charities</h3> <p><a href="https://www.petsmartcharities.org/">Petsmart Charities</a> is very upfront with how they use donations to make an impact in pets' lives. The site says they save 400,000 pets each year. In 2015, more than $29 million went to animal welfare groups and 214,000 spay/neuter surgeries were performed. They also used 90 cents of every dollar donated to help pets directly. Individuals can donate money or volunteer with Petsmart Charities.</p> <h2>For Environment Protectors</h2> <p>Because the Earth needs us to protect it.</p> <h3>3. Amazon Conservation Association</h3> <p>The <a href="http://www.amazonconservation.org/index.html">Amazon Conservation Association</a> received a perfect score through Charity Navigator, a website devoted to helping individuals find legitimate charities and avoid inefficient charities. The charity has been around for over 15 years and conserves the Amazon. The site says a $50 donation can plant about 50 trees in a highland Andean community.</p> <h2>For Helping People in Need</h2> <p>Not everyone has a roof over their head or enough food to eat.&nbsp;</p> <h3>4. Direct Relief</h3> <p><a href="https://www.directrelief.org/">Direct Relief</a> is a nonprofit, nonpartisan organization that seeks to help and improve the lives of those affected by poverty and emergency situations. It has been one of the top charities to help with Hurricane Matthew and Syrian refugees. It has been voted as a top charity by Forbes, Fast Company, and BBB. Direct Relief also has an option to donate in tribute to someone else, which is practical for holiday gift giving.</p> <h3>5. Compassion International</h3> <p>One of my favorite organizations to donate to is <a href="http://www.compassion.com/sponsor_a_child/default.htm?gclid=Cj0KEQiAm-CyBRDx65nBhcmVtbIBEiQA7zm8lRk2gj1H17ly97aBsssWbO5UF3DRbLoyRtZ4RqApvx8aAnvM8P8HAQ">Compassion International</a> because you are able to sponsor a child. Not only do you get to choose the child you sponsor and send money to, but you also can send letters, pictures, and small gifts to them. In return, you will be given a picture of the child, as well as updates, and sometimes thank you letters. Many donors have even had the opportunity to go and meet their sponsored child. (See also: <a href="http://www.wisebread.com/15-ways-to-give-to-charity-that-fit-a-holiday-budget?ref=seealso">15 Ways to Give to Charity That Fit a Holiday Budget</a>)</p> <h2>For Health Advancement</h2> <p>A cure is out there. We just need to give scientists the chance to find it.</p> <h3>6. Michael J. Fox Foundation for Parkinson's Research</h3> <p>The <a href="https://www.michaeljfox.org/">Michael J. Fox Foundation for Parkinson's Research</a> goal is to eliminate Parkinson's disease. Over $87 million went straight to research programs in 2015. Overall the foundation has funded more than $650 million to find a cure.</p> <h2>For Veteran Support</h2> <p>After protecting our freedom, our veterans should have everything they need.</p> <h3>7. Homes for Our Troops</h3> <p><a href="https://www.hfotusa.org/">Homes For Our Troops</a> (HFOT) is a privately funded 501(c)(3) nonprofit organization that builds mortgage-free homes for severely injured veterans. Since 2004, HFOT has spent 90 cents for every dollar donated on veterans. The organization has already built 226 homes and has another 80 projects underway nationwide.</p> <h3>8. Operation Homefront</h3> <p><a href="http://www.operationhomefront.net/">Operation Homefront</a> matches specific veterans needs with donors. Donors can donate money or in-kind gifts, such as services or items. Operation Homefront accepts donated in-kind services to include, but not limited to, legal support, automotive repair, heating and air conditioning services, roofing, and accounting services. Donated goods may be items such as gift cards, household items, children's books, furniture, computers, or any other non-monetary items that are new or like new.</p> <h2>How to Avoid a Charity Scam</h2> <p>There are several more amazing charities out there, so don't think that this list is the end all, be all. However, it is important that you know <a href="http://www.wisebread.com/how-to-spot-a-charity-scam-from-a-mile-away?ref=internal">how to spot a charity scam</a>. Here are some quick tips to keep in mind:</p> <ul> <li>Charities should be upfront with what they are using the funds for.<br /> &nbsp;</li> <li>Charities should have a federal tax ID number so you can write off your donations.<br /> &nbsp;</li> <li>It's a huge red flag if they are pushing you for donations or ask you to wire the money.</li> </ul> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/ashley-eneriz">Ashley Eneriz</a> of <a href="http://www.wisebread.com/8-charities-you-can-trust-with-your-holiday-donations">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/how-to-spot-a-charity-scam-from-a-mile-away">How to Spot a Charity Scam From a Mile Away</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-give-back-on-givingtuesday-without-breaking-the-bank">10 Ways to Give Back on #GivingTuesday Without Breaking the Bank</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-ways-to-give-to-charity-that-fit-a-holiday-budget">15 Ways to Give to Charity That Fit a Holiday Budget</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/my-16-favorite-ways-to-get-rid-of-clutter">My 16 Favorite Ways to Get Rid of Clutter</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-money-and-declutter-by-selling-these-5-unlikely-treasures">Make Money and Declutter by Selling These 5 Unlikely Treasures</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Frugal Living animals charity donating environment Giving Back Holidays nonprofits veterans Fri, 09 Dec 2016 11:00:15 +0000 Ashley Eneriz 1849996 at http://www.wisebread.com How to Spot a Charity Scam From a Mile Away http://www.wisebread.com/how-to-spot-a-charity-scam-from-a-mile-away <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/how-to-spot-a-charity-scam-from-a-mile-away" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/man_phone_park_621595942.jpg" alt="Man learning how to spot a charity scam from a mile away" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>When it comes to donating to charity, people have good intentions. They want to give to a worthy cause, but unfortunately, so many individuals do very little research before opening up their checkbooks.</p> <p>While many charities are legitimate, there are several that should be avoided. They are the ones that rate low, with the majority of their funds being funneled into the pockets of CEOs or marketing efforts. For example, the Catholic League for Religious and Civil Rights is one charity that is low-rated by <a href="http://www.charitynavigator.org/index.cfm?bay=topten.detail&amp;listid=8">Charity Navigator</a>, yet has one of the highest paid CEOs. (See also: <a href="http://www.wisebread.com/surprisingly-easy-ways-you-can-support-charity?Ref=seealso">Surprisingly Easy Ways You Can Support Charity</a>)</p> <p>Here's how to make sure your donation is winding up in the right hands.</p> <h2>Make Sure the Name Is Right</h2> <p>Some notable low-rated charities have made it a point to choose names similar to popular nonprofit organizations. For example, Cancer Research Institute is a highly rated charity, but Cancer Survivors' Fund and American Association for Cancer Support are both low-rated charities, according to <a href="http://www.consumerreports.org/charitable-donations/best-and-worst-charities-for-your-donations/">Consumer Reports</a>. Both of the low-rated charities have important sounding names, and it can be easy to confuse them when there are so many to keep track of.</p> <h2>Avoid Callers</h2> <p>Don't give in to pesky callers asking for donations. Often telemarketers are hired by select charities to help raise funds. However, the charity does not get all of those funds. Instead, a lot of your donation will end up going to the marketers rather than your cause. Definitely do not give any personal information, such as your credit card or Social Security number to any charity. Most importantly, if anybody pressures you to give money, then it is best to walk away.</p> <h2>Know Where the Money Goes</h2> <p>The highest rated charities are very transparent about where their money goes. You should be able to see the organization's annual expense reports or the charity's Form 990. Churches and other big religious groups are not required to file 990s, so be sure to check them out at <a href="http://www.ministrywatch.com/">Ministry Watch</a>, a website that helps alert donors to fraudulent religious charities. (See also: <a href="http://www.wisebread.com/5-ways-giving-to-charity-is-good-for-you?ref=seealso">5 Ways Giving to Charity Is Good for You</a>)</p> <h2>Don't Donate Cash or Give Through Wire Transfers</h2> <p>Never give any charity cash or send money through wire transfers. If the charity insists on cash or a wire transfer, it should make you suspicious of the organization. But what about religious tithing? While dropping cash in your local place of worship's donation bucket doesn't mean you are donating to a scam charity, it is still wiser to write a check or donate online. This will allow you to keep track of your charitable giving for tax purposes. If you do give cash, try your best to get a receipt.</p> <h2>Be on Alert</h2> <p>During the holidays, more for-profit charities are likely to increase their marketing. Expect more calls and emails that will appeal to your emotions. Of course you want to help wounded veterans, homeless children, and abused pets but if you have never heard of the charity, then don't rush into donating. Charity scams also are more likely to pop up after a natural disaster, such as a hurricane.</p> <p>Ask a charity if they are registered, and if they claim they are, then get the registration number. Also know that most respectable charities do not ask for donations via email, unless an individual has already signed up for the mailing list.</p> <h2>Do Some Research</h2> <p>Before you donate a large sum of money to any charity, spend a few minutes researching the organization. You should be able to find the rating of charities on the <a href="https://www.bbb.org/">Better Business Bureau</a>, <a href="http://www.charitynavigator.org/">Charity Navigator</a>, <a href="https://www.charitywatch.org/">Charity Watch</a>, <a href="http://www.give.org/">BBB Wise Giving Alliance</a>, and <a href="http://www.consumerreports.org/">Consumer Reports</a>.</p> <p>It is best to decide at the beginning of the year what your annual charitable giving will be and which charities you want to donate to. This then puts you and your budget in the right place for donating money and helping those in need.</p> <p>Charity scammers take advantage of people's goodwill and desire to help. However, these scammers can steal more than just your money. They can steal your identity if you give out too much information. Give to causes you care about while also protecting your bank account and personal information.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/ashley-eneriz">Ashley Eneriz</a> of <a href="http://www.wisebread.com/how-to-spot-a-charity-scam-from-a-mile-away">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/8-charities-you-can-trust-with-your-holiday-donations">8 Charities You Can Trust With Your Holiday Donations</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/how-safe-is-craigslist">How Safe Is Craigslist?</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/dont-panic-do-this-if-your-identity-gets-stolen">Don&#039;t Panic: Do This If Your Identity Gets Stolen</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/what-to-do-when-you-suspect-a-scam">What to Do When You Suspect a Scam</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-10-scams-of-2006">Top 10 scams of 2006</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Frugal Living Consumer Affairs charity donating fraud Giving Back scams theft things to watch out for wire transfers Thu, 08 Dec 2016 12:30:07 +0000 Ashley Eneriz 1849882 at http://www.wisebread.com 10 Ways to Give Back on #GivingTuesday Without Breaking the Bank http://www.wisebread.com/10-ways-to-give-back-on-givingtuesday-without-breaking-the-bank <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/10-ways-to-give-back-on-givingtuesday-without-breaking-the-bank" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock-597674192.jpg" alt="give back on giving tuesday without breaking the bank" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Get out your wallet and warm up your charitable spirit because #GivingTuesday is right around the corner. This worldwide day of philanthropy takes place on November 29th, (the Tuesday after Thanksgiving) and marks the start of the charitable giving season. In 2015, over 700,000 people in 70 countries participated in <a href="https://www.givingtuesday.org">#GivingTuesday</a>, giving $116 million in online donations. However, in a time when money is tight due to holiday expenses, finding the funds to make donations can be challenging. The good news? You can still participate and get in the charitable spirit.</p> <p>Here are 10 ways you can give on #GivingTuesday without breaking your budget.</p> <h2>1. Use Philanthropic Apps</h2> <p>Put your smartphone to good use and download apps that can help you give back without spending a dime! If you are active, download <a href="http://www.charitymiles.org">Charity Miles</a>, <a href="http://resqwalk.com/">ResQWalk</a>, or <a href="http://www.wooftrax.com/">WoofTrax</a> to have the miles you walk or run earn money for charity. Or if you love taking photos, use the <a href="http://donateaphoto.com/en_US">Donate a Photo</a> app to share your photos and have $1 per photo be donated to charity.</p> <h2>2. Donate Your Rewards</h2> <p>If you earn rewards through loyalty programs or credit cards, why not use your points for good? Donate your <a href="http://www.wisebread.com/6-ways-to-sell-or-donate-your-airline-miles">frequent flyer miles</a> that are about to expire to charity, or if you have a rewards credit card, you may be able to use your points to donate to charity. Some <a href="http://www.wisebread.com/best-credit-cards-that-give-back-to-charity?ref=internal">credit cards even give to charity</a> when you sign up, or use your card.</p> <h2>3. Shop Socially Conscious Companies</h2> <p>Do some research before you start your holiday spending and give your business to companies that give back. For example, when buying a new pair of shoes for your kids, buy from <a href="http://www.toms.com">TOMS</a> to ensure that for every shoe you buy, one is given to someone in need. Or, if you have holiday travel plans and need a pet sitter, booking one through <a href="http://www.sittingforacause.com">Sitting for a Cause</a> (which, full disclosure, I own and operate) ensures a portion of the money you spend on your pet's care helps homeless animals.</p> <h2>4. Ask Your Employer About Charitable Benefits</h2> <p>Find out if your employer offers donation matching, and if they do, have them match any charitable contributions you make. Or see if your employer offers paid volunteer hours so you can give your time to a worthy cause. If your employer doesn't offer these programs, bring them up at your next review and see if you can get either option added to your benefits package.</p> <h2>5. Give Through Decluttering</h2> <p>Take a few hours to do declutter your home and get rid of items you no longer use. Have old blankets or towels? Donate them to your local animal shelter. Have tons of books collecting dust? Donate them to the library. Are extra clothes taking up space in your closet? Donate them to Goodwill.</p> <h2>6. Purchase Through AmazonSmile</h2> <p>Almost everyone uses Amazon to shop these days, but the next time you decide to make a purchase through Amazon, use&nbsp;<a href="https://smile.amazon.com/">AmazonSmile</a> instead. You can select a charity you'd like to benefit from your purchases and each time you make an eligible purchase, .5% of your payment will be sent to your designated charity.</p> <h2>7. Give Your Expertise</h2> <p>Are you a superstar at social media, a pro at photography, or a whiz at writing? Use your expertise to help one of your local nonprofits. It's not uncommon for a charity's resources to be limited, so helping with their social media, contributing to their blog, or offering to take photos at their events (or for animal shelters, taking photos of their adoptable pets) can have a positive impact on their success.</p> <h2>8. Become a Foster Parent</h2> <p>If you have the emotional stamina, open up your home to a child or animal in need. Foster homes are always needed for children or pets who are waiting to find permanent homes. Especially when it comes to animals, having a foster home alleviates the stress of being in a shelter and opens up space for another pet to wait for their home, so you've helped save two lives instead of just one!</p> <h2>9. Give Parts of Yourself</h2> <p>Do you have long hair? Are needles not at all scary to you? Then give to help others! Charities like&nbsp;<a href="http://www.wigsforkids.org/donate-hair">Wigs for Kids</a>,&nbsp;<a href="http://www.locksoflove.org/">Locks of Love</a>, and&nbsp;<a href="http://pantene.com/en-us/brandexperience/prepare-your-hair">Pantene Beautiful Lengths</a> are always looking for hair donations to make wigs for those in need. Alternately, you can head to your local hospital or participate in a&nbsp;<a href="http://www.redcrossblood.org/">Red Cross blood drive</a> to donate blood or platelets.</p> <h2>10. Volunteer</h2> <p>When money is tight, the simplest way to give back is by donating your time to a worthy cause. Volunteers are often the backbone that keep nonprofits running, so by taking the time to volunteer, you are enabling the cause you work with to keep making a difference.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/ashley-jacobs">Ashley Jacobs</a> of <a href="http://www.wisebread.com/10-ways-to-give-back-on-givingtuesday-without-breaking-the-bank">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/20-places-where-you-can-always-shop-for-a-worthy-cause">20 Places Where You Can Always Shop for a Worthy Cause</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/how-to-spot-a-charity-scam-from-a-mile-away">How to Spot a Charity Scam From a Mile Away</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/charitable-giving-give-in-order-to-receive">Charitable Giving: Give in Order to Receive</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/8-charities-you-can-trust-with-your-holiday-donations">8 Charities You Can Trust With Your Holiday Donations</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/you-should-make-these-11-easy-donations-before-time-runs-out">You Should Make These 11 Easy Donations Before Time Runs Out</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Frugal Living Shopping charitable giving charity donations fostering Giving Back giving Tuesday Fri, 25 Nov 2016 11:00:08 +0000 Ashley Jacobs 1839209 at http://www.wisebread.com 6 Money Moves You Can Make While Stuck in an Endless TSA Line http://www.wisebread.com/6-money-moves-you-can-make-while-stuck-in-an-endless-tsa-line <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/6-money-moves-you-can-make-while-stuck-in-an-endless-tsa-line" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/man_tsa_line_20741660.jpg" alt="Man making money moves in endless TSA line" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>At the airport closest to me, the TSA lines are legendary, especially during the holiday season. Last year, they were telling people to give themselves <em>an extra hour</em> before their flight, just to make sure they got through security on time. That's an extra hour on top of the usual hour or two recommended!</p> <p>I don't know about you, but I dread long lines. I spend the entire time thinking about what else I could be doing. Over the years, though, I've come up with ways to use my &quot;line time&quot; well. Here are a few things you can do to improve your financial life while waiting for TSA to get on the ball.</p> <h2>1. Start Using Mint</h2> <p><a href="http://mint.com">Mint</a> is a great way to track your finances. You sign up for an account, connect all of your bank, investment, and debt accounts, and it quietly tracks your overall financial situation. It allows you to look at spending, debt, and net worth automatically and with ease.</p> <p>This is a great thing to do if you're not really tracking your finances right now, or if you don't have a handle on your overall financial situation. Starting with the big picture is almost always a good idea, so that you know what is good and what is bad, right from the start.</p> <h2>2. Sign Up for Digit</h2> <p><a href="http://digit.co">Digit</a> is an online service that saves money for you. You connect the app to a bank account, and they track your spending. Based on what they find, they schedule automatic withdrawals to another account. They don't say much about their analysis algorithm, but people (myself included) claim that they don't notice or need the money that Digit removes from their accounts.</p> <p>If you're already saving, you probably don't need this tool. But if you forget to pay yourself first, this can be a great way to save without really thinking about it. And it's fun to watch your savings build up over time!</p> <h2>3. Check Your Credit</h2> <p>If you haven't looked at your free credit report in the last 12 months, you should. <a href="http://annualcreditreport.com">AnnualCreditReport.com</a> is the place to start. From there, you can enter identification information and view a report from each of the three credit reporting agencies: TransUnion, Experian, and Equifax. Check for incorrect information or credit cards/lines of credit that may have been opened fraudulently.</p> <p>Do make sure that you have a secure Internet connection before you start sharing sensitive personal information. If you aren't sure, add this to your To Do list and work on something else while you're in line.</p> <h2>4. Set a Financial Goal</h2> <p>What would you like your money to do for you? Do you want to travel? Maybe you need to buy a new car. Think about your wants and needs, and choose one or two financial goals for the next few months. Having a goal will help you focus, and it will make you more likely to do things like curb spending or follow through on a savings plan.</p> <p>Don't set too many goals, though. Picking one or two things to save for &mdash; maybe one practical thing and one that's fun &mdash; will give you plenty of motivation without the stress of feeling like your money has to go in too many different directions.</p> <h2>5. Choose a Charity</h2> <p>If you're like me, giving often falls by the wayside. It's not that I don't want to do it, but that I want to be responsible with it. If you want to make sure that any charity that gets your money is actually using it for their stated purposes, do your research while you stand in line.</p> <p>Start by going to your intended charity's website. Most of them will offer some sort of fiscal documentation. If you want to give to a smaller charity, you may need to give them a call and ask for it, instead.</p> <p>If you don't even know where to start giving, start with a simple Google search. Pick an issue that is important to you, and look for charities that target it. You can even limit your search to charities in your local area, if you're interested in volunteering or getting more involved.</p> <h2>6. Check Your Bills</h2> <p>Not sure how long you'll be in line? Pull up your latest credit card bills and glance through them. Make sure that you recognize all the charges and that, to the best of your knowledge, they are for the right amount. Many people find mistakes on their credit card bills, and you can always contact the company to have them fixed. That usually means more money in your pocket.</p> <p>If you don't recognize a charge but you aren't sure, flag it for later, when you can go through your receipts and figure out if it's correct. If you find something very concerning, call your credit company from the line. The sooner you can get in touch with them, the sooner you'll have your money back where it belongs.</p> <h2 style="text-align: center;">Like this article? Pin it!</h2> <p>&nbsp;</p> <p style="text-align: center;"><a href="//www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2F6-money-moves-you-can-make-while-stuck-in-an-endless-tsa-line&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2F6%20Money%20Moves%20You%20Can%20Make%20While%20Stuck%20in%20an%20Endless%20TSA%20Line.jpg&amp;description=6%20Money%20Moves%20You%20Can%20Make%20While%20Stuck%20in%20an%20Endless%20TSA%20Line" data-pin-do="buttonPin" data-pin-config="above" data-pin-color="red" data-pin-height="28"><img src="//assets.pinterest.com/images/pidgets/pinit_fg_en_rect_red_28.png" alt="" /></a> </p> <!-- Please call pinit.js only once per page --><!-- Please call pinit.js only once per page --><script type="text/javascript" async defer src="//assets.pinterest.com/js/pinit.js"></script></p> <p style="text-align: center;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/6%20Money%20Moves%20You%20Can%20Make%20While%20Stuck%20in%20an%20Endless%20TSA%20Line.jpg" alt="6 Money Moves You Can Make While Stuck in an Endless TSA Line" width="250" height="374" /></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/sarah-winfrey">Sarah Winfrey</a> of <a href="http://www.wisebread.com/6-money-moves-you-can-make-while-stuck-in-an-endless-tsa-line">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/5-money-moves-to-make-before-moving-out-on-your-own">5 Money Moves to Make Before Moving Out on Your Own</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/heres-why-you-shouldnt-freak-out-if-you-miss-a-payment-due-date">Here&#039;s Why You Shouldn&#039;t Freak Out If You Miss a Payment Due Date</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/13-financial-gifts-to-give-yourself-this-holiday-season">13 Financial Gifts to Give Yourself This Holiday Season</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/7-apps-that-monitor-your-credit-for-you">7 Apps That Monitor Your Credit for You</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-modern-ways-to-split-the-bill">5 Modern Ways to Split the Bill</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Personal Finance Travel airports apps bills budgeting charity credit report digit free time mint money moves security tsa waiting in line Thu, 10 Nov 2016 10:30:29 +0000 Sarah Winfrey 1830272 at http://www.wisebread.com 13 Financial Gifts to Give Yourself This Holiday Season http://www.wisebread.com/13-financial-gifts-to-give-yourself-this-holiday-season <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/13-financial-gifts-to-give-yourself-this-holiday-season" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_wrapped_gift_77878153.jpg" alt="Woman giving financial gifts to herself this holiday season" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>The holiday shopping season is around the corner. And while the average holiday shopper will dole out more than $800 for gifts, about half will also spend an average of $132 on non-gift items for themselves. Hey &mdash; there's nothing wrong with treating yourself, especially when discounts are steep and shopping centers are extra cheery.</p> <p>But, you might want to consider putting that buck thirty toward something more substantial, such as your fiscal health. Read on for our guide to the top financial gifts you should consider giving yourself this holiday season. We promise, there will be no buyers remorse involved.</p> <h2>1. Boost Your Retirement Fund Contribution</h2> <p>The best time to start investing is now. Case in point: If you start maxing out your IRA contributions at age 25, you will have saved $1.6 million by the time you're 70. But if you were to start at 35, you'd save about half that sum. So whatever the form of your retirement savings, be it IRA, 401K, or 403(b), consider boosting your contribution this holiday season. Even a 1% increase can go a long way to making your golden years more comfortable.</p> <h2>2. Pay Down Your Debt</h2> <p>When it comes to personal debt, even $100 can make a sizable dent. Without a doubt, every little bit counts. Use a <a href="https://www.calcxml.com/calculators/how-long-will-it-take-to-pay-off-my-credit-card">minimum payment calculator</a> to determine just how long it will take your to pay down your credit card debt &mdash; and precisely how much mileage that $100 can get you.</p> <h2>3. Reassess Your Investments</h2> <p>How are your investments faring? Are you on track to meet your earnings expectations? Or do you have too much riskily tied up in a single company's stock? Gift yourself an hour spent reassessing your investments. Rid yourself of risk you can't shoulder and sour gambles.</p> <h2>4. Invest in Professional Advice</h2> <p>In the Internet age, getting good investment advice is easy and affordable. <a href="https://www.wealthfront.com">Wealthfront</a>, which boasts a stable of world-class financial experts that excels in making small money grow, offers free accounts totaling $10,000 or less. And you can open an account with <a href="https://www.betterment.com/">Betterment</a> even if you have no money.</p> <h2>5. Deposit an Extra $100 Into Your Savings Account</h2> <p>It's simple enough: Rather than buy yourself a couple of new sweaters, take that holiday cash and stow it away as savings. And if you think $100 won't make much difference, think again: If you were to sack away an extra $100 quarterly for the next 10 years, you've have an extra $4,000 in your savings account. That's more than the average down payment for a new car.</p> <h2>6. Boost Your Emergency Fund</h2> <p>It's smart to have funds stowed away for the kinds of emergencies life sometimes throws at us. Natural disaster. Illness. Job loss. If you've got an emergency fund, consider funneling some more funds into it. And if you don't, consider setting one up, even if you inaugurate it with a modest $100 investment. It's far better to be prepared than dumbstruck by a bad set of circumstances.</p> <h2>7. Draft a Financial Plan</h2> <p>A third of Americans have taken no steps <a href="https://www.northwesternmutual.com/about-us/studies/planning-and-progress-2015-study">toward financial planning</a>. If you don't have a plan, invest a day to join yourself among the ranks of the minority of Americans who do. It can be as simple as stating your financial priorities and then mapping out what you need to do to achieve them. Yes, it's drudge work. But you stand to benefit greatly by slogging through.</p> <h2>8. Purchase a Book on Finance</h2> <p>Whether it's the stock market or saving for retirement or paying down debt, most of us have a weak spot in our financial literacy. Why not help yourself close that gap by purchasing a book on your weakest link? For inspiration, check out our list of <a href="http://www.wisebread.com/the-8-classic-personal-finance-books-you-must-read">classic personal finance books</a>.</p> <h2>9. Write a Will</h2> <p>The hardest part about will-writing is getting yourself to actually sit down and write it. No one wants to rationalize their own death by taking time out of their life to plan for it. Nonetheless, it's an important tool that can help to ensure that your property and wishes are carried out according to your liking when you're no longer around to dictate. If your finances are uncomplicated, consider creating an online will, which is perhaps the quickest and easiest way to complete the process.</p> <h2>10. Review Your Credit Score</h2> <p>It costs nothing to check your credit score, but the price of ignoring it can be huge. Your credit score determines critical stuff such as your insurance premium rate and your ability to get a loan. If you're unfamiliar with your credit score, it's probably a good idea to take a pause and get acquainted with it &mdash; and then commit to reviewing it annually. (Be on the lookout for any errors, which could be preventing you from getting lower rates).</p> <h2>11. Donate to Charity</h2> <p>It pays to help others in need. Not only can making a charitable donation give you the feel-good fuzzies, it can also <a href="https://www.irs.gov/uac/eight-tips-for-deducting-charitable-contributions">lower your tax bill</a>. Just remember to keep good records.</p> <h2>12. Cash in on Your Credit Card Rewards</h2> <p>Airline miles, hotel rewards, and cash are just a few of the amazing incentives available to those who swipe responsibly. But if you don't use 'em, you lose 'em, so take a moment to assess what rewards you've got, when they expire, and whether now's a good time to cash in. (See also: <a href="http://www.wisebread.com/cash-back-vs-travel-rewards-pick-the-right-credit-card-for-you?ref=internal">Cash Back vs Travel Rewards: Pick the Right Credit Card for You</a>)</p> <h2>13. Review Your Account Statements</h2> <p>Remember all those account statements you've been filing away? Now's the time to actually read and analyze the charges. A bogus charge is a tried and true sign of identity theft, so it'll serve you well to review all your statements thoroughly. Painstaking though it may be, giving your financial records a good read affords you the opportunity to correct any improper service fees that may have been mistakenly docked from your account. If you find a faulty charge, you can get reimbursed from your bank or credit card company. If you don't, then you can rest assured that all is in order. Think of it as a game with no chance to lose.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/brittany-lyte">Brittany Lyte</a> of <a href="http://www.wisebread.com/13-financial-gifts-to-give-yourself-this-holiday-season">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/8-money-moments-that-should-be-on-everyones-bucket-list">8 Money Moments That Should Be On Everyone&#039;s Bucket 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/save-on-christmas-shopping-with-this-clever-gift-card-strategy">Save on Christmas Shopping With This Clever Gift Card Strategy</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/unique-ways-to-save-money-in-december">Unique Ways to Save Money in December</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/many-happy-returns-5-tips-for-getting-what-you-really-want-this-holiday">Many Happy Returns: 5 Tips for Getting What You Really Want This Holiday</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-money-moves-to-make-before-moving-out-on-your-own">5 Money Moves to Make Before Moving Out on Your Own</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Personal Finance bills charity Christmas emergency funds estate planning gifts Holidays investments paying debt saving money Mon, 07 Nov 2016 09:00:08 +0000 Brittany Lyte 1827215 at http://www.wisebread.com My 16 Favorite Ways to Get Rid of Clutter http://www.wisebread.com/my-16-favorite-ways-to-get-rid-of-clutter <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/my-16-favorite-ways-to-get-rid-of-clutter" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_clothes_clutter_39948832.jpg" alt="Woman finding ways to get rid of clutter" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Ugh. <a href="http://www.wisebread.com/8-ways-clutter-keeps-you-poor">I hate clutter</a>. It actually hurts my brain. However, even if I were Mari Kondo fancy, and could afford to throw away everything in my house that I don't love, my inner-tree-hugger would feel guilty about putting perfectly usable items into the landfill. So, what's an environmentally responsible person to do with their clutter?</p> <p>Here are my top 16 clutter-busters that keep my house from looking like a warehouse:</p> <h2>1. Stop Bringing New Clutter Into Your House</h2> <p>If you have a cluttered house, chances are you already <a href="http://www.wisebread.com/one-simple-thing-you-can-do-today-to-start-living-frugally">have everything you need</a> to survive. If you are like me and <a href="http://www.wisebread.com/from-dumpster-diving-to-garage-sales-turning-trash-into-cash">love to trash pick</a> like it's a competitive sport, this means sidelining your treasure-hunting hobby until you have a grip on what you own.</p> <p>But, don't despair my freegan brethren. You can still get the thrill of the hunt; you just have to do it inside your house.</p> <h2>2. Use It Up, Wear It Out, Make It Do, or Do Without</h2> <p>I like to turn this Depression Era proverb into a game. How long can I go without buying groceries? How long will it take for me to eat through my pantry? If you have a hard time staying on the no new clutter wagon, challenge a like-minded friend to a competition to keep yourself accountable. Can you go one year without bringing stuff into your home?</p> <p>By the way, stepping away from the consumer treadmill even for 90 days (or 30, or even 10!) is a great way to save money.</p> <h2>3. Sell Your Stuff Online</h2> <p>Duh. This seems obvious. Typically I make a few thousand dollars every year by selling my old things on eBay, Etsy, and Craigslist.</p> <p>There are different price thresholds for different selling platforms. I can generally get more money by selling vintage items and clothes on Etsy and eBay than I can by selling them on Craigslist. For things like home electronics, buyers in my area will pay more on Craigslist than they will at a garage sale for the exact same item. To maximize your cash do a little research on who is paying a premium for your things.</p> <p>Depending on what you own, you might be able to flip your old things for cash by using specialty sites that focus on one type of merchandise such as <a href="http://www.wisebread.com/how-to-sell-your-kids-stuff-at-a-consignment-sale">baby clothes</a>, <a href="https://www.discogs.com/sell/list">vinyl records</a>, and <a href="https://www.1stdibs.com/furniture/">vintage home furnishings</a>.</p> <h2>4. Consign Your Stuff at a Brick and Mortar Store</h2> <p>I personally prefer to sell difficult to ship items like furniture and glassware to a <a href="http://www.wisebread.com/beyond-goodwill-the-different-types-of-thrift-stores">local second hand store</a> for either store credit or cash. Although stores usually take a 30% to 60% cut of the sale price, sometimes it's better to cash out so you can get those things out of your house before you break them and they become unsellable.</p> <p>There are some second hand stores that will buy goods outright for cash, and some stores that will only give you store credit. If you consign your items at a store, make sure that you are clear about pricing. Some stores will discount your goods to nothing after a set period of time. And some stores will not return items that don't sell to you. If you have a bottom price threshold, this needs to be negotiated in advance and on paper.</p> <p>In addition to bulky vintage items, I also sell back my used books, records, and contemporary clothes to second hand stores for cash.</p> <h2>5. Throw a Garage Sale</h2> <p>I paid for two entire years of my life by trash picking furniture and then selling it back to my neighbors at monthly garage sales. Last year my husband and I paid for our Christmas vacation with money that we'd earned selling stuff at garage sales. And our garage sale inventory wasn't even that amazing. Like, I can't even remember half the things we got rid of! They were that inconsequential to my life.</p> <p>I approach every garage sale as an opportunity to get other people to pay to remove clutter from my house, so most things are priced at one dollar. By taking this grateful-to-my-customer stance, I am always happy with my garage sale earnings, regardless of how paltry.</p> <h2>6. Gift</h2> <p>Shopping for presents is time consuming and expensive. A few years ago I decided to start gifting clothes and things in my house to admiring friends and family members. As in, &quot;Oh, you like that? Here, just take it with you. Happy early birthday.&quot; This on the spot gifting is always a welcome surprise and I don't have to fuss with wrapping.</p> <h2>7. Recycle</h2> <p>I know many people who live in homes that resemble recycling centers because they care about the environment. While it is a good thing to keep resources like glass and paper out of the landfill, you are not actually doing the world any good by turning your house into a mini dump. Companies as diverse as <a href="https://www.terracycle.com/en-US/brigades">Terracycle</a> and <a href="https://www.madewell.com/madewell_feature/DENIMDONATION_sm.jsp">Madewell</a> have recycling programs for hard to recycle items like denim, instrument strings, and Solo Cups.</p> <h2>8. Upcycle</h2> <p>Why pay for new craft supplies when you have clutter? Instead of bringing new, virgin goods into your home, find <a href="http://www.wisebread.com/18-awesome-practically-free-upcycled-craft-projects?ref=seealso">new uses for your old things</a>. You don't even have to have any creative talent to upcycle. For example, upcycle your old cotton underwear into cleaning rags.</p> <p>My husband and I own two Moroccan poufs. Rather than pay for new stuffing, we filled our poufs with old linens and drop cloths that are too torn or stained to sell or donate.</p> <h2>9. Share</h2> <p>I share a china pattern with my brother-in-law. I only have space in my small kitchen for eight place settings. My brother-in-law has 12 place settings. Whenever we have larger dinner parties, we loan each other dishes. What can you share with your friends and neighbors? I share garden tools with my friend Laura. I share kitchen gadgets with my neighbor Alexandra. I share a set of luggage with my sister. I only have to store those things in my house half the time. More importantly, I don't have to buy every single thing.</p> <h2>10. Check It Out</h2> <p>If you don't have handy friends and neighbors, look for a tool library in your area. I don't own bike repair tools because I live within walking distance of a bike repair cooperative.</p> <p>I am a lifelong library patron. In addition to checking out books, music, and videos, I use my library as an air-conditioned oasis in the summer when my house becomes unbearably hot, and as my personal newsstand. Once a month a have a magazine date with myself and spend an afternoon flipping through glossy pages to my heart's content. I give myself a little reading vacation, and cut the clutter and the cost of owning a personal subscription all in one fell swoop.</p> <h2>11. Catch and Release</h2> <p>I am a minimalist traveler. The only time I buy books is when I'm going on a trip. I buy the cheapest copy of the books I want to read so I have no problem leaving them behind in cafes and airports when I am done with them. Not only do I get cheap, analog entertainment, this book packing method always ensures that I have a little room in my luggage for vacation purchases.</p> <h2>12. Rent</h2> <p>Due to near constant <a href="http://www.wisebread.com/my-2016-budget-challenge-everything-breaks">car trouble this year</a>, I have been experimenting, unintentionally, with living as a one-car household in Los Angeles. I suspect by the end of the year that the math will prove that it is cheaper for us to rent a second car when we need one rather than own three cars outright.</p> <p>I don't love renting because I know that ownership is generally a better deal. But, do I really need to buy a jackhammer to break up my cracked driveway? No, I do not.</p> <p>When deciding when to rent and when to own, be honest: How often will you use this item? Will your daughter wear her Quinceañera dress a second time? Consider the extra cost of renting to be money that you saved on storage fees.</p> <h2>13. Swap</h2> <p>Even our shyest friends love our book exchange party that we host every New Year's Day. The concept is simple: Everyone brings the books they enjoyed reading but are now taking up shelf space, and throws them on the communal pile. Our guests take as many books as they want home, for free. The books that are left behind are donated to the Los Angeles Public Book Drive.</p> <p>Swap parties are fun because it's weirdly satisfying to see people fall in love with your old things. But why stop at books? What about a winter coat swap at your kid's school? How about a kitchen tool or recipe swap party with your neighbors? I offset the cost of my groceries by attending a monthly neighborhood backyard produce swap.</p> <h2>14. Donate Like a True Do-Gooder (Without Getting Audited)</h2> <p>If you want to get stuff out of your house in a hurry, feel like you are helping the less fortunate, and get a tax write off, donate your extra stuff to charity.</p> <p>Charities like The Salvation Army and Goodwill do not set a valuation on your donation. That responsibility is left up to you. But donor beware! Huge tax deductions for donated goods are a red flag to auditors. Use a <a href="https://satruck.org/Home/DonationValueGuide">donation value guide</a> to assess the true market value of your used items. Also, it's a good practice to photograph your donated goods so you have evidence of your good works should you get audited.</p> <p>Ahem, let me get on my soapbox for one moment.</p> <p>Charities spend a huge amount of their budgets on trash collection because so many people use their local shop as a dumping ground for all their old crap. Would you buy a pair of pants with a brown stain across the front? No, you would not. Don't be that guy who trades trash for a tax write-off. That's cheating on taxes and on charity.</p> <p>When it comes to charity donations I am very careful to only donate items that are in selling condition. As in, an item is in such good condition that I would spend money to buy it.</p> <p>(Steps off soapbox.)</p> <p>That said, just like I am always on the hunt for new places to recycle weird stuff, I am always on the lookout for groups that repair expensive, broken goods for charity. For example, I donate my old glasses to the <a href="http://www.lionsclubs.org/EN/how-we-serve/health/sight/eyeglass-recycling.php">Lions Club</a>.</p> <p>The screen of my laptop computer died in January. Although I could sell it on Craigslist for parts, I'm donating it to CRASH Space, my local hackerspace, because I know the makers there will recycle the entire machine responsibly. As a side benefit, I can claim this donation as a tax write-off since CRASH Space is a nonprofit.</p> <h2>15. Curb It</h2> <p>My nightly walk takes me past a wide set of concrete steps that used to lead to an apartment building but now lead to a vacant lot. I few years ago I started leaving items that were in usable condition, but not nice enough to donate or sell for money, on the steps to nowhere. I leave pretty much everything &mdash; stinky shampoo, old clothes, recently expired canned goods, vintage electronics, magazines, pens that I don't like &mdash; on the steps, neatly merchandised for easy shopping. The things that aren't gone by the next night, I know they are truly garbage. I throw the leftovers away without guilt. Usually, the stuff is gone before morning.</p> <p>This personal donation spot has been a fun experiment. I have met some of my late night shoppers and I was happy to hear how they are enjoying my old things. Also, some of my neighbors have started copying me. About once a week I see that someone else has made a donation to the steps.</p> <h2>16. Go Digital</h2> <p>Yes, I am old. I came of age in a world without cloud storage and I have nostalgia for books made from dead trees. So is it any surprise that the bulk of my clutter is paper-based? Between the library and our digital subscriptions to everything from IMDB to Netflix, we're managing our shelf space, but our file cabinet is exploding.</p> <p>Although I have successfully resisted this chore for more than a decade, I am finally getting around to digitizing the hard copies of all my old contracts, patterns, notes, etc. for clutter free, online storage.</p> <p>Does anyone have any tips on digitizing documents and ditching paper clutter? (Oh, please). I could use all the help I can get!</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/max-wong">Max Wong</a> of <a href="http://www.wisebread.com/my-16-favorite-ways-to-get-rid-of-clutter">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/make-money-and-declutter-by-selling-these-5-unlikely-treasures">Make Money and Declutter by Selling These 5 Unlikely Treasures</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-gifts-that-wont-become-clutter">9 Gifts That Won&#039;t Become Clutter</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/25-things-to-throw-out-today">25 Things to Throw Out Today</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-easy-ways-to-earn-more-on-ebay">11 Easy Ways to Earn More on eBay</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/how-to-get-rid-of-your-junk">How to Get Rid of Your Junk</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Frugal Living Organization charity cleaning clutter craigslist downsizing eBay garage sales mari kondo renting selling waste Tue, 01 Nov 2016 09:30:31 +0000 Max Wong 1824618 at http://www.wisebread.com Rich People Spend $350K+ to Park Their Cars — Here's How We'd Spend it Instead http://www.wisebread.com/rich-people-spend-350k-to-park-their-cars-heres-how-wed-spend-it-instead <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/rich-people-spend-350k-to-park-their-cars-heres-how-wed-spend-it-instead" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/fancy_sports_car_91447401.jpg" alt="Spend $350K on this instead of parking fancy cars" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>I came across a news report recently about the construction of a <a href="http://money.cnn.com/2016/09/14/luxury/autohouse-car-condo-miami/index.html">luxury condominium for cars</a>. It will allow people with fancy cars to park their vehicles in a secure environment, at the reasonable cost of just $350,000.</p> <p>Yes, $350,000 for a place to park.</p> <p>Suffice it to say, we can think of smarter things to do with $350,000. If you are lucky enough to have this kind of cash available to you, consider these alternative and sensible ways to spend your money.</p> <h2>1. Bolster That Emergency Fund</h2> <p>Before you shell out thousands of dollars for that custom-made personal watercraft, ask yourself if you'd have enough cash left to pay for a major medical bill if you got hurt. Or a hot water heater if it leaked all over your basement. Ask yourself how long you could get by if you lost your job. It's bad to blow money on unnecessary things. It's even worse to blow that money when you have nothing saved for a rainy day. Make sure you have <em>at least</em> three months of living expenses in liquid savings before you make any crazy purchases.</p> <h2>2. Pay Off High-Interest Debt</h2> <p>If you have money, there's no real excuse for carrying high-interest debt, such as that from credit cards. Interest from debt can erode your net worth, so pay off as much as you can. Focus on paying down the debts with the highest interest rates and go from there.</p> <h2>3. Contribute Maximum Toward Retirement</h2> <p>If you have a high income, there's no reason to hold back on putting as much into your retirement funds as possible. Those with 401K accounts can contribute up to $18,000 per year, and anyone with earned income can contribute $5,500 annually into an individual retirement account. Both of these accounts allow you to invest and see your money grow in a tax advantaged way. Focus on investments that mirror the overall performance of the stock market, and you'll see your money grow without much stress. Maxing out retirement funds may very well be the least frivolous thing to do with your money.</p> <h2>4. Invest Even More</h2> <p>Okay, so you've maxed out the amount you can place in retirement accounts. That doesn't mean you can't continue to invest! If you have the funds, consider buying stocks, mutual funds, and exchange-traded funds in a traditional brokerage account. You will have to pay taxes on any gains, but if you're investing for the long haul, you'll still come out well ahead in most cases.</p> <h2>5. Go to College</h2> <p>The best kind of investment is an investment in yourself. If you have enough money to pay for college, go for it! A typical person with a bachelor's degree <a href="https://trends.collegeboard.org/education-pays/figures-tables/lifetime-earnings-education-level">earns 66% more</a> over the course of their lifetime than someone who does not got to college, according to the College Board. And the earnings get even higher for those with advanced degrees. If you've already been to college, consider opening a college savings account for your children or another relative who's college-bound. Most states offer 529 plans that allow you to invest money without paying tax on the gains, provided that the money is later used for education expenses.</p> <h2>6. Buy a Home (Or a Second One)</h2> <p>If you're sitting on a sizable sum of money, it might make sense to put some toward a down payment on a house or other piece of real estate. It's better than renting, because you're building equity and may be able to even sell the real estate later at a profit. If you already own a home, consider buying a second and renting it out. This way, you not only get the benefits of real estate ownership, but an additional income stream as well. This sure beats cars or other material items that don't accrue in value.</p> <h2>7. Do Some Home Maintenance and Upgrades</h2> <p>Maybe it's time for a new roof, or your furnace has been on the fritz. Maybe you've always wanted to turn the basement into a nice family room. If you invest a little money into your home, you can stave off expensive repairs later, and any upgrades you make could increase your home value.</p> <h2>8. Give Some Away</h2> <p>$350,000 is a fair chunk of change, so why not give some away to a cause that you support? Remember that all charitable donations are tax deductible, so there's a financial benefit to giving away cash rather than spending it on something silly.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/tim-lemke">Tim Lemke</a> of <a href="http://www.wisebread.com/rich-people-spend-350k-to-park-their-cars-heres-how-wed-spend-it-instead">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/7-money-moves-to-make-as-soon-as-you-conquer-debt">7 Money Moves to Make as Soon as You Conquer Debt</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-increase-your-net-worth-this-year">10 Ways to Increase Your Net Worth This Year</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/optimize-your-ira-and-401k">Optimize Your IRA and 401(k)</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/retirement-accounts-and-money-to-spend">Retirement accounts and money to spend</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/9-financial-moves-you-will-always-regret">9 Financial Moves You Will Always Regret</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Personal Finance Budgeting 401k charity debt emergency funds investing IRA luxury money retirement spending Thu, 13 Oct 2016 09:30:20 +0000 Tim Lemke 1811799 at http://www.wisebread.com Best Credit Cards that Give Back to Charity http://www.wisebread.com/best-credit-cards-that-give-back-to-charity <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/best-credit-cards-that-give-back-to-charity" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock_000087506865_Large.jpg" alt="" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Credit cards provide a broad range of perks, benefits, and rewards, which can add up to be rather valuable reasons to use your card. In addition to these bonuses, there are credit cards which include another incentive - the opportunity to give back or donate to various organizations, just for using your credit card. Although you can use your credit card to make virtually any donation you choose, certain credit cards allow you to give back a little more, just for becoming a cardmember and using your credit card. If you are looking for a credit card that allows you to support or donate to charity, here are some great credit cards that give back.</p> <h2>USAA Military Affiliate Card</h2> <p><img style="float:right;margin:0 5px 5px 10px;" class="img-exempt" src="http://imgsynergy.com/product_creatives/4d55cd3654679393641c7f08f4c8e990.png" height="97" width="154" border="0" alt="" /><a style="border:none;float:right;clear:right;margin: 0 5px 5px 10px;" target=" rel=" href="http://ct.wisebread.com/click.php?pg=196&amp;pid=114&amp;pp=1&amp;uv=xcardbutton"><img alt="" class="img-exempt img-button" src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/apply-now.png" /></a>USAA provides a broad range of financial products specifically for military personnel and their families. USAA&rsquo;s credit cards, loans, and insurance options, also include military benefits such as the opportunity to qualify for lower APRs and waive fees in certain situations.&nbsp;As an extra benefit, you can support specific branches and organizations within the military, with the <a href="http://ct.wisebread.com/click.php?pg=196&amp;pid=114&amp;pp=2&amp;uv=xname">USAA Military Affiliate Card</a>. In addition to showing your support with a card logo of your choice, individual organizations also receive contributions when you use your credit card. For example, if you select the 1st Marine Division Association (FMDA) brand, USAA Bank makes a contribution to the organization when you open the account, make purchases, and keep your account active.</p> <p><strong><a href="http://ct.wisebread.com/click.php?pg=196&amp;pid=114&amp;pp=1&amp;uv=xend">Click here to learn more and apply for the&nbsp;USAA Military Affiliate Card today!</a></strong></p> <h2>Charity Charge World MasterCard&reg; Credit Card</h2> <p><img width="154" border="0" height="97" style="float:right;margin:0 5px 5px 10px;" class="img-exempt" alt="" src="http://www.imgsynergy.com/191x120/charity-charge-world-mastercard-credit-card-020317.png" /><a style="border:none;float:right;clear:right;margin: 0 5px 5px 10px;" target="_blank" rel="nofollow" href=" http://ct.wisebread.com/click.php?pg=196&amp;pid=154&amp;pp=2&amp;uv=xcardbutton"><img alt="" class="img-exempt" src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/apply-now.png" /></a>The <a href="http://ct.wisebread.com/click.php?pg=196&amp;pid=154&amp;pp=2&amp;uv=xname">Charity Charge World MasterCard&reg; Credit Card</a> is one of the only cards which is specifically for donating and giving back. This card awards 1% cash back on all purchases, which can be used to support up to three local or national nonprofit organizations. Your donations with this card are tax deductible. This card also underwrites cardholder donation processing fees, so that all your donation goes to your charity of choice. Because it is a World MasterCard, you also get the card benefits you would get with any other MasterCard, including ID theft protection, price protection, and extended warranty. There is no annual fee for this card.</p> <p><a href="http://ct.wisebread.com/click.php?pg=196&amp;pid=154&amp;pp=2&amp;uv=xend"> <strong>Click here to learn more and apply for the Charity Charge World MasterCard&reg; Credit Card today!</strong></a></p> <h2>Susan G. Komen Credit Card</h2> <p>Bank of America has donated over $7.0 million to Susan G. Komen since its Pink Ribbon program for credit cards and bank accounts was created in 2009. When you sign up for the Susan G. Komen Credit Card, Bank of America donates $3, plus 0.08% of the retail purchases made with the credit card. Bank of America guarantees $3.0 million to Susan G. Komen from June 2015 to December 2020. The Susan G. Komen Credit Card or Pink Ribbon BankAmericard Cash Rewards MasterCard provides card holders an opportunity to support the organization&rsquo;s breast cancer efforts, at no additional cost to the cardholder.</p> <p>Cardholders also get 3% cash back on gas and 2% cash back at grocery stores and wholesale clubs for the first $2,500 in combined gas/grocery/wholesale club purchases each quarter, and 1% cash back on other purchases. New cardholders also get a bonus of $100 cash back after making $500 in purchases with the card within the first 90 days. There is no annual fee for this card.&nbsp;</p> <h2>U.S. Bank FlexPerks Travel Rewards Visa Signature Card</h2> <p>The <a href="http://www.wisebread.com/finally-a-card-that-adjusts-to-your-spending-us-bank-flexperks-travel-rewards-credit-card?utm_source=wisebread&amp;utm_medium=internal&amp;utm_campaign=cc_article">U.S. Bank FlexPerks Travel Rewards Visa Signature Card</a> doesn&rsquo;t donate directly to a specific charity, but you do have extra incentive to use the card for charitable donations. You get three points for charitable donations to organizations classified as Charitable or as a Social Service Organization. You can use your credit card to donate to essentially any charitable organization of your choice, and earn three points for each dollar donated. You also earn two points for each dollar spent in the category you use the most in gasoline, airline, or groceries, and two points at most cell phone service providers. You can later redeem your points for airfare, merchandise, gift cards, and statement credit. New cardholders get a bonus of 20,000 FlexPoints after making $2,000 in purchases within the first 4 months of opening the account. The annual fee of $49 is waived the first 12 months.</p> <h2>World Wildlife Fund Credit Card</h2> <p>Another credit card that gives back is Bank of America&rsquo;s World Wildlife Fund Credit Card. The World Wildlife Fund or World Wide Fund for Nature focuses on supporting over 1,300 environmental projects and conservation of the world&rsquo;s oceans, forests, and freshwater ecosystems, and protection of endangered species. Bank of America donates $5 for each new opened and activated World Wildlife Fund Credit Card, plus 0.25% of all retail purchases. When you renew your card account, Bank of America donates an additional $5. This card also awards 3% cash back on gas and 2% on groceries and wholesale club purchases for the first $1,500 in combined gas/grocery/wholesale club purchases each quarter, and 1% cash back for other purchases. As a new cardholder, you can earn a bonus of $100 cash back if you make $500 in purchases with the card in the first 90 days of opening the account. This is a great card for supporting and giving to an important effort to protect and preserve the world&rsquo;s natural environment. There is no annual fee for this card.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/christina-majaski">Christina Majaski</a> of <a href="http://www.wisebread.com/best-credit-cards-that-give-back-to-charity">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-best-0-balance-transfer-credit-cards">The 5 Best 0% Balance Transfer 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/the-5-best-secured-credit-cards">The 5 Best Secured 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/top-5-travel-reward-credit-cards">5 Best Travel Reward Credit Cards</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-cash-back-credit-cards">5 Best Cash Back 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/the-5-best-credit-cards-for-dining-out">The 5 Best Credit Cards for Dining Out</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Credit Cards best credit cards charity Thu, 11 Aug 2016 22:18:23 +0000 Christina Majaski 1699147 at http://www.wisebread.com 6 Ways Greed Is Keeping You Poor http://www.wisebread.com/6-ways-greed-is-keeping-you-poor <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/6-ways-greed-is-keeping-you-poor" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/man_seeing_money_000087743301.jpg" alt="Man learning ways greed is keeping him poor" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Greed is a particularly ugly sin. While there are positive characteristics of <a href="http://www.wisebread.com/topic/seven-deadly-sins" target="_blank">pride, or even envy</a>, it's almost impossible to use greed in any way that isn't an insult. It conjures images of fat cat CEOs hoarding millions, while their workers earn minimum wage. But although Ebenezer Scrooge and his ilk are portrayed as misers with serious money, greed can sometimes make you poor. Here are six examples of the way greed can eat away at your pot of gold.</p> <h2>1. Wanting It All</h2> <p>Not content with their lot in life, some people look at all those things they could have that make life even better. Or so they think, anyway. The latest smartphone. The upgraded car. The bigger house. The 80 inch flat screen TV. The huge deck. The patio. The yacht. Sadly, all those expenses have to be paid, and it can lead to crippling credit card debt, loans that cannot be paid back, and the eventual loss of everything to pay back creditors. As Tyler Durden famously said in Fight Club, &quot;the things you own end up owning you.&quot; So, be very wary of greed. Happiness from those items is fleeting anyway.</p> <h2>2. Living to Excess</h2> <p>More wine. More beer. More junk food. More everything! When greed manifests as the intense and selfish desire for food and drink, it can lead to a plethora of health problems. And as we all know, health care can be very expensive in the USA. Overeating, leading to obesity, is responsible for as much as $210 billion in healthcare costs in the United States. An obese adult spends 42% more on healthcare than someone with a healthy weight, and obesity can lead to many other illnesses.</p> <p>Then there's greed that turns to alcoholism, or drug abuse. While there are definitely other factors involved, including depression and other mental health issues, greed can contribute to a whole host of health problems from drug abuse. Recovery can be costly. And then there are the other problems stemming from an excessive lifestyle, including time taken off work, a lack of drive or motivation, and the sheer expense of maintaining that kind of diet.</p> <h2>3. Breaking the Law</h2> <p>Greed can make people do some strange things, which leads to committing unlawful acts. This does not mean they go out and rob banks, or scam people out of their savings online. It's more that they see an opportunity to make a lot of money for doing something they believe is harmless, albeit illegal. And then, they get caught, and face a prison sentence and a career in ruins.</p> <p>One example is Scott London, a once successful audit partner at a huge accounting firm. He was earning $900,000 a year, but it appears that wasn't enough. London decided to start selling sensitive information about some of his clients to a friend. This is known as insider trading, and it's against the law. Although he made just $70,000 from the deals (a lot for most of us, but for him, a drop in the bucket), he was caught by the FBI and sentenced to 14 months in prison.</p> <p>However, for others, it may be something smaller that leads to the poor house. Cheating on taxes, even just for a few bucks, is a federal offense. And shoplifting as little as three belts, or a couple of jerseys, has <a href="http://www.motherjones.com/politics/2013/11/23-petty-crimes-prison-life-without-parole">landed people in prison for life</a>.</p> <h2>4. Avoiding Generosity</h2> <p>There is a misnomer that every rich person is greedy, and every poor person is not. This is actually not true, and financial guru Robert Kiyosaki has devoted a <a href="http://investmentwatchblog.com/robert-kiyosaki-forget-the-rich-the-poor-are-the-greedy-ones/">one-hour radio show</a> on this subject that is well worth listening to. The basic idea is this: Having a generous spirit, and giving back to the world, will pay dividends. Investing in people, and in projects that have real potential, will reap rewards. On the other hand, hoarding your possessions, never giving to charity, and stockpiling wealth is not a positive way to manage money. Being generous, and doing good, can build much greater wealth than saving every penny and watching it grow a few percent a year in a bank account.</p> <h2>5. Gambling Away Everything</h2> <p>You know the stories. You've seen the movies. Gambling can bring people great wealth in just a few seconds. But, for the vast majority, it's a losing proposition. Couple gambling with greed, and you have a recipe for tragedy just waiting to happen. Every year, millions of people try and get lucky, and for most, it's just a flutter. Win or lose, they walk away. But 2% of people who gamble get seriously addicted, and greed takes over. A win becomes an adrenaline rush. They want more. And more. They want to see the dollar signs multiply. Before they know what's happened, they have lost everything trying to win back the money they once had.</p> <h2>6. Finally&hellip; the Impact of Corporate Greed</h2> <p>Sadly, it's not personal greed, but corporate greed that is having an impact on our wallets. And in some instances, it keeps people in poverty. From the greedy politicians who take cash to vote against the public interest, to the outsourcing of jobs to other countries, America has a serious greed problem. Many of us feel it a little, here and there. But for some, it's the cause of great hardships.</p> <p>One recent example comes from Wendy's. After the recent minimum wage hike, and plans to raise it to $15/hour, the fast food giant responded with automated self-service kiosks. &quot;We continue to look at initiatives and how we work to offset any impacts of future wage inflation through technology initiatives, whether that's customer self-order kiosks, whether that's automating more in the back of the house in the restaurant,&quot; said CTO Todd Penegor (who was&nbsp;<a href="http://www1.salary.com/Todd-A-Penegor-Salary-Bonus-Stock-Options-for-WENDY-S-CO.html">compensated over $3 million</a> in 2014). The moral of this story &mdash; demand a living wage and you're out of a job.</p> <p>The defenders of this say that these jobs are entry-level, but with so many manufacturing jobs going elsewhere, and the employment of low-wage workers who do it &quot;cash in hand,&quot; it's getting harder and harder to find a decent paying job that doesn't require an education and a ton of experience; something many people never had the chance to get.</p> <p>Of course, the massive financial meltdown in 2008 was also caused by massive greed, and that impacted millions of homeowners and led to bankruptcies. It's safe to say that even if you are the least greedy person on the planet, you will still be affected by greed in your day-to-day life.</p> <p><em>Has greed cost you? Tell us about it in comments!</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/paul-michael">Paul Michael</a> of <a href="http://www.wisebread.com/6-ways-greed-is-keeping-you-poor">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/flashback-friday-42-ways-the-7-deadly-sins-are-keeping-you-poor">Flashback Friday: 42 Ways the 7 Deadly Sins Are Keeping You Poor</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-ways-gluttony-is-keeping-you-poor">6 Ways Gluttony Is Keeping You Poor</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-ways-sloth-is-keeping-you-poor">6 Ways Sloth Is Keeping You Poor</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-ways-wrath-is-keeping-you-poor">5 Ways Wrath Is Keeping You Poor</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-ways-pride-is-keeping-you-poor">7 Ways Pride Is Keeping You Poor</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Frugal Living charity excess gambling greed healthcare illegal losing money minimum wage poor seven deadly sins sins Fri, 03 Jun 2016 10:30:05 +0000 Paul Michael 1722968 at http://www.wisebread.com 403B vs. 401K: How Are They Different? http://www.wisebread.com/403b-vs-401k-how-are-they-different <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/403b-vs-401k-how-are-they-different" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/people_volunteering_charity_000064214269.jpg" alt="Learning how a 401k and 403b are different" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>You've just taken a job as an administrator at a nonprofit hospital. Or maybe you've found a solid job at a tax-exempt religious organization. Now you're ready to start saving a portion of every paycheck for your retirement.</p> <p>There's a wrinkle here, though: You won't be able to <a href="http://www.wisebread.com/5-important-things-to-know-about-your-401k-and-ira-in-2016">save in a 401K</a> like employees of for-profit corporations can. Nonprofit, tax-exempt institutions don't offer 401K plans to their workers. Instead, they offer what are known as 403B plans.</p> <p>The good news? These plans work much like 401K plans. And if you do set aside a portion of each of your paychecks for your 403B plan, you'll dramatically increase the odds of a financially stable retirement.</p> <h2>The Big Difference</h2> <p>The main difference between a 401K plan and a 403B plan is who offers them. Traditional for-profit corporations offer 401K plans. These are the retirement savings vehicles with which most U.S. workers are familiar: You set aside a percentage of each paycheck, and that money is deposited in your retirement account.</p> <p>The money in that account can be invested in mutual funds or other investment vehicles. The money grows &mdash; hopefully &mdash; tax-free until employees withdraw their funds. Only then do they pay income taxes on it.</p> <p>A 403B plan works the same way &mdash; only for-profit corporations don't offer them. Instead, these savings vehicles are only offered by institutions that are nonprofit and enjoy tax-exempt status. This usually means hospitals, public education providers, charities, and religious institutions.</p> <h2>Other Differences</h2> <p>There are some smaller differences between the two savings vehicles, too. Usually the biggest, and the most important to employees is that employers offering 401K plans often offer matching incentives.</p> <p>An employer, for instance, might decide to match 50% of the first 6% of the salaries that employees contribute to their 401K plans each year. Say a typical worker with such an employer makes $50,000 a year and that worker has decided to contribute 6% of his or her annual salary to a 401K plan. The employer will match 50% of this worker's contributions, but only up to 3% of the employee's annual salary.</p> <p>So each year, this worker would invest $3,000 to the 401K plan, 6% of this worker's $50,000 salary. The company would invest an additional $1,500 to the 401K plan as a match.</p> <p>Company matches are a good way to boost retirement savings. But companies that offer 403B programs, though not prohibited from doing so, rarely offer matching benefits.</p> <p>Corporations can also offer profit-sharing as part of their 401K programs. Under a profit-sharing arrangement, employers once a year can make a voluntary bonus contribution to their employees' 401K plans. This contribution can vary each year, often going up or down depending on how successful the company was.</p> <p>Institutions offering 403B plans, though, can't offer a profit-sharing bonus. That's because the organizations offering these plans don't generate a profit.</p> <h2>Both Are Worthwhile</h2> <p>There is another big similarity between 401K and 403B programs: For both 401K and 403B plans in 2016, you can contribute a maximum of $18,000 if you have not yet hit your 50th birthday. If you are 50 or older, federal law allows you to contribute even more to these retirement accounts. You can make a yearly catch-up contribution of up to $6,000, meaning that if you are at least 50, you can contribute a total of $24,000 to your 403B or 401K plan.</p> <p><em>Are you invested in a 401K or a 403b?</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/403b-vs-401k-how-are-they-different">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/the-inventor-of-the-401k-has-second-thoughts-about-your-retirement-plan-now-what">The Inventor of the 401K Has Second Thoughts About Your Retirement Plan — Now What?</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/401k-or-ira-you-need-both">401K or IRA? You Need Both</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/3-ways-more-money-in-retirement-might-cost-you">3 Ways More Money in Retirement Might Cost You</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-important-things-to-know-about-your-401k-and-ira-in-2016">5 Important Things to Know About Your 401K and IRA in 2016</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-signs-you-arent-saving-enough-for-retirement">10 Signs You Aren&#039;t Saving Enough for Retirement</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Retirement 401k 403b charity contributions employer matching nest egg nonprofits Tue, 01 Mar 2016 10:30:33 +0000 Dan Rafter 1664146 at http://www.wisebread.com 19 Things You Can Buy That Make the World a Better Place http://www.wisebread.com/19-things-you-can-buy-that-make-the-world-a-better-place <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/19-things-you-can-buy-that-make-the-world-a-better-place" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_shopping.jpg" alt="woman shopping to make the world a better place" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>What's better than giving a great gift? Giving a great gift that gives back. If you're on the hunt for a fantastic way to brighten someone's day (or just in need of a new thingamajig for yourself), peep these companies, whose proceeds help those in need. (See also: <a href="http://www.wisebread.com/20-places-where-you-can-always-shop-for-a-worthy-cause?ref=seealso">20 Places Where You Can Always Shop for a Worthy Cause</a>)</p> <h2>1. AmazonSmile</h2> <p>By visiting AmazonSmile, you can choose a participating charity that will be linked to your account, to which Amazon will donate 0.5% of the price of your eligible purchases. You also can pick your own favorite charity if you don't want to donate to the featured organizations.</p> <h2>2. Warby Parker</h2> <p>Pick up a pair of Warby Parker's stylish glasses &mdash; regular or prescription, everyday or sun-ready &mdash; and they will make a monthly donation to their nonprofits partner, which, in turn, will train men and women in developing countries to give basic eye exams and sell glasses at affordable prices. (The donation from Warby Parker also covers the cost of sourcing an equal amount of glasses sold.)</p> <h2>3. The Alpha Workshops</h2> <p>Purchase anything from the Alpha Workshops' products section &mdash; which features designer furniture, lighting, and wallpapers &mdash; and 50% of your purchase will cover design and educational programs for people with HIV/AIDS. Even without a purchase you can support the cause with a straight donation, the smallest of which is $25, and goes directly toward one Basic Trainee's weekly lunch stipend.</p> <h2>4. SoapBox</h2> <p>SoapBox, a mission-based personal care brand, provides a bar of soap or a month of cleaner water to a person in need for every product sold. The line includes body washes, lotions, shampoos, conditioners, bar soaps, and more.</p> <h2>5. Project 7</h2> <p>Your purchase of the tasty gum and mints from Project 7 will help fund one of its seven affiliated nonprofits, which include planting trees, emergency relief from natural disasters, feeding impoverished U.S. communities, providing clean drinking water in developing countries, and more.</p> <h2>6. Toms Marketplace</h2> <p>Everybody knows the one-for-one shoe program that made Toms Shoes famous, but it also has a Marketplace with a wide selection of other great goods &mdash; like clothing, accessories, and jewelry &mdash; that help fund other Toms projects, like helping to restore sight to someone through surgery, prescription glasses or medical treatment with a Toms Eyewear purchase, or training for skilled birth attendants in developing countries with a Toms Bags purchase.</p> <h2>7. State Bags</h2> <p>For each of the fashionable bags and accessories sold at State Bags, a backpack is donated to a local American child living in situation of need. Plus, Beyoncé is a fan!</p> <h2>8. Better World Books</h2> <p>Every time you make a purchase at BetterWorldBooks.com, they will donate a book to someone in need. As of July 2015, 17 million books have been distributed around the world.</p> <h2>9. Baby Teresa</h2> <p>For each 100% organic cotton accessory purchased from Baby Teresa, the company will donate formula to a baby in need. Buy a romper, and a romper will be donated to a baby in need.</p> <h2>10. Yoobi</h2> <p>For every Yoobi desk and organization supply item purchased &mdash; available exclusively at Target stores or online at Yoobi.com &mdash; the brand will donate an item to one of its Classroom Packs, which, once filled, will be given to a classroom in need.</p> <h2>11. Cooper &amp; Ella</h2> <p>A donation will be made based on the number of blouses purchased from fashion brand Cooper &amp; Ella to provide hot meals via its Empower program to a school in India, with a goal to provide 100,000 meals the first year.</p> <h2>12. Road Twenty-Two</h2> <p>Buy a shirt from Road Twenty-Two &mdash; which employs formerly incarcerated, homeless, or substance-addicted women to provide them steady income and valuable skills &mdash; and it will donate a shirt to a shelter.</p> <h2>13. The Company Store</h2> <p>You'll sleep better at night knowing that your purchase from The Company Store website or catalog results in an equal donation of a comforter to a homeless child in the United States.</p> <h2>14. Joan Hornig</h2> <p>American jewelry designer Joan Hornig donates 100% of the profit from your purchase to the charity of your choice.</p> <h2>15. Out of Print</h2> <p>Each product sold at Out of Print &mdash; a literary-minded apparel and gift brand &mdash; results in a book donation to a community in need, while also supporting the authors, publishers, and artists whose indelible work has impacted our lives.</p> <h2>16. Raven + Lily</h2> <p>Shop Raven + Lily's fair trade jewelry, apparel, accessories, and gifts to help the ethical fashion and lifestyle brand employ women in developing countries. They also provide access to a safe job, sustainable income, health care, and education to break the cycle of poverty for themselves and their families. Raven + Lily currently employs over 1,500 marginalized women at fair trade wages.</p> <h2>17. Faucet Face</h2> <p>At Faucet Face, tap is where it's at. They will donate 2.5% of all sales from their eye-popping glass bottle collection, plus a complete filter for each sale of five or more individual bottles to the clean-drinking-water charity Third Millennium Awakening. This organization employs locals in India to create filters and distribute them to needy families. Custom designs also are available.</p> <h2>18. 2 Degrees Food</h2> <p>Every purchase of a 2 Degrees Food gluten-free and vegan snack bar helps feed a hungry child, with a mission to provide 200 million kids sustenance.</p> <h2>19. Smile Squared</h2> <p>Your pearly whites will shine even brighter knowing that a toothbrush will be provided to a child in need when you make a purchase at Smile Squared.</p> <p><em>What are some of your favorite products and brands that give back? I'd love to hear some of your choices 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/19-things-you-can-buy-that-make-the-world-a-better-place">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-9"> <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/31-great-gifts-that-keep-on-giving">31 Great Gifts That Keep on Giving</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/20-places-where-you-can-always-shop-for-a-worthy-cause">20 Places Where You Can Always Shop for a Worthy Cause</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/packing-it-in-the-independent-of-london-issues-a-challenge">Packing it in - The Independent of London issues a challenge</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/unbearably-stupid-packaging">Dumbest packaging ever?</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-5-best-face-peels">The 5 Best Face Peels</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Green Living Shopping charitable organizations charity retail therapy shopping Wed, 13 Jan 2016 12:00:08 +0000 Mikey Rox 1637337 at http://www.wisebread.com U.S. Bank FlexPerks Select Rewards Visa Credit Card Review http://www.wisebread.com/us-bank-flexperks-select-rewards-visa-credit-card-review <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/us-bank-flexperks-select-rewards-visa-credit-card-review" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/000054223966.jpg" alt="" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>U.S. Bank offers a wide variety of financial products, including travel rewards and cash back credit cards. The U.S. Bank FlexPerks Select Rewards Visa provides a no-frills opportunity to earn rewards on charitable donations and purchases made with the card that can be redeemed for travel through U.S. Bank's Reward Center.</p> <h2>How This Card Works</h2> <p>Earn three points for each dollar spent on charitable donations made to local, national, or international classified as a Charitable and Social Service Organization. You can also earn one point for every $2 spent on all other purchases. There is no cap on the number of points you can earn, but FlexPoints expire five years from the date earned at the end of the calendar quarter. There is no annual fee.</p> <p><strong>Sign up bonus:</strong> Earn 10,000 bonus points after spending $1,000 within the first four months. 0% Intro APR on balance transfers for 9 billing cycles.</p> <p>You can redeem your points for merchandise, or travel with over 150 airlines such as Delta Airlines, American Airlines, and Virgin Atlantic, through the U.S. Bank Rewards Center. You can also redeem for gift cards and statement credits at 5,000 points, which is equal to $50. Your points are worth the most if you redeem for travel through the Rewards Center, where 20,000 points can be redeemed for airfare worth as much as $400.</p> <h2>Other Benefits</h2> <p><strong>Travel accident insurance.</strong> If you use your card for your travel arrangements through a common carrier, you, your spouse, and your unmarried dependent children are insured against accidental loss of life, limb, sight, speech, or hearing while traveling.</p> <p><strong>Auto rental collision damage waiver.</strong> If you rent your vehicle with your card, you are covered with the card's auto rental collision damage and can waive the insurance offered by the rental company.</p> <p><strong>Travel and emergency assistance. </strong>Also includes travel and emergency assistance services for 24/7 assistance when traveling, which can include pre-trip assistance, medical referral assistance, legal referral assistance, and lost luggage locator services.</p> <h2>Costs</h2> <ul> <li>$0 Annual Fee</li> <li>14.24%-24.24% APR (0% APR on balance transfers made within the first 30 days for 9 billing cycles)</li> <li>3% Balance Transfer Fee</li> <li>3% Foreign Transaction Fee</li> </ul> <h2>Pros</h2> <p><strong>Sign-up bonus worth $100.</strong> If you spend $1,000 with your card within the first four months of opening the account, you can receive a bonus of 10,000 FlexPoints, which is worth approximately $100. This is one of the highest sign-up bonuses offered by a rewards credit card with no annual fee. Plus, if you decide to hold onto your points and use them for travel, they are worth more, with 20,000 being enough for travel worth up to $400. (See also: <a href="http://www.wisebread.com/5-best-credit-cards-that-offer-bonus-cash-for-sign-up?ref=review">Credit Cards with Cash Back Sign Up Bonuses</a>)</p> <p><strong>0% balance transfer APR.</strong> If you need to transfer a balance from a card with a high APR, you can save money on interest by transferring to the card. It is important that if you transfer a balance, however, that you pay down the balance during the introductory period in order to save the most money. Also, be sure to consider the balance transfer fee when determining whether you can save the most money transferring your balance. (See also: <a href="http://www.wisebread.com/the-best-0-balance-transfer-credit-cards?ref=review">Best Cards for 0% Balance Transfer</a>)</p> <p><strong>Good for charitable donations. </strong>You can earn triple points on charitable donations, which is among the highest rates available for donations made with credit cards. If you frequently donate to Charitable and Social Service Organizations, this is the best card for earning rewards on those donations.</p> <h2>Cons</h2> <p><strong>Low rate of rewards. </strong>With exception to the charitable donations, you only earn one point for <em>every two</em> dollars spent with the card. This is equal to half a point per dollar, and is the lowest rate of rewards offered by any rewards credit card. Most credit cards award at least a whole point for each dollar spent in its &quot;other&quot; categories, and provide bonus opportunities in a much wider range of purchase categories. (See also: <a href="http://www.wisebread.com/5-best-cash-back-credit-cards?ref=review">Best Cash Back Credit Cards</a>)</p> <p><strong>Foreign transaction fee.</strong> It is especially important to consider the foreign transaction fee when shopping travel rewards credit cards. The fee with this card is at least 2%, depending on the currency used, and can cancel out any rewards earned from your purchases. If you frequently travel abroad, cards such as the&nbsp;<a href="http://www.wisebread.com/discover-it-miles-simple-and-flexible-travel-rewards?ref=review">Discover it Miles</a> has no foreign transaction fees as well as no annual fees. (See also: <a href="http://www.wisebread.com/smarter-security-and-no-foreign-transaction-fees-the-best-credit-cards-to-use-while-on-vacation?ref=review">Credit Cards with No Foreign Transaction Fees</a>)</p> <h2>Who This Card Is Best For</h2> <p>The U.S. Bank FlexPerks Select Rewards Visa is best for those who regularly make charitable donations with their credit cards and are able to rack up points for travel through the triple point earning opportunity provided. It is also ideal for consumers who appreciate simple rewards programs, who can take advantage of the valuable sign-up bonus provided, and whose purchases are primarily domestic.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/christina-majaski">Christina Majaski</a> of <a href="http://www.wisebread.com/us-bank-flexperks-select-rewards-visa-credit-card-review">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/for-riders-only-harley-davidson-visa-secured-card">For Riders Only: Harley-Davidson Visa Secured 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/lanpass-visa-secured-credit-card-review">LANPASS Visa Secured Credit Card Review</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/us-bank-cash-visa-signature-credit-card-review">U.S. Bank Cash+ Visa Signature Credit Card Review</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/skypass-visa-secured-credit-card-review">SKYPASS Visa Secured Credit Card Review</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/aeromexico-visa-secured-card-rebuild-your-credit-while-you-travel">AeroMexico Visa Secured Card: Rebuild Your Credit While You Travel</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Credit Cards charity credit card reviews u.s. bank Fri, 16 Oct 2015 04:54:40 +0000 Christina Majaski 1546747 at http://www.wisebread.com 6 Ways to Sell or Donate Your Airline Miles http://www.wisebread.com/6-ways-to-sell-or-donate-your-airline-miles <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/6-ways-to-sell-or-donate-your-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/kid_dressed_as_pilot_000036134522.jpg" alt="Child learning how to donate or sell his airline miles" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Do you have a bunch of airline miles that you're not going to use? Hoping to get rid of them or help someone less fortunate? You've come to the right place. Here are six different ways that you can part with your hard-earned miles without violating the frequent flyer terms and conditions of airline loyalty programs.</p> <h2>Donating Miles</h2> <p>Good for you! You've decided to use your airline miles for a greater purpose. Note that donating your miles truly is an act of charity &mdash; that's because the IRS considers airline miles a gift to you from the airline, and donated miles are therefore not tax deductible.</p> <h3>1. American Miles for Kids in Need</h3> <p>(1,000 Miles Minimum Donation)</p> <p>Your AAadvantage Miles can be used to give an advantage to children and families in need of help. American Airlines supports a variety of child and family focused charities including Miles of Hope, Miles for Kids in Need, and more.</p> <p>Through these programs AA focuses on food, clothing, shelter, health, education, and employment. Their goal is to benefit organizations that provide a strategic focus on children and/or those afflicted by unexpected adversity.</p> <p>For more information, call 1-800-882-8880 or visit <a href="http://hub.aa.com/en/ju/donate">American's Giving webpage</a>.</p> <h3>2. United Charity Miles</h3> <p>(500 Miles Minimum Donation)</p> <p>United Airlines works with a number of charities that focus on youth, humanitarian, health, community, and military aid. There are nearly 50 charities to choose from including American Red Cross, American Cancer Society, Americares, and many more.</p> <p>Check out the <a href="https://secure.unitedmileageplus.com/CharityMilesSSO.jsp">United donation page</a> for the full list of Charities.</p> <h3>3. Delta Donate Miles</h3> <p>(Minimum Donation Varies by Charity)</p> <p>By donating your Delta Miles you can help children and animals in need, struggling communities, and breast cancer patients. Delta has a wide variety of wonderful charities to choose from, but each one has its own minimum donation requirement.</p> <p>With charities in the U.S., Latin America and around the world, you can put your points where they are needed most. Head to <a href="http://www.delta.com/buygftxfer/displayDonateMilesLatAm.action">Delta's Donate Miles</a> page and check out their comprehensive and well-organized list of charities which include Make A Wish, Habitat For Humanity, UNICEF, and many more.</p> <h3>4. JetBlue True Giving</h3> <p>(500 Point Minimum Donation for most Charities)</p> <p>You can use your TrueBlue points to contribute to great causes all around the world. When you donate your points, they'll go directly to your chosen charity, and in turn, they will be able to use the points for JetBlue flights to help their cause.</p> <p>With many different charities aiming to help youth, education, families, communities, and the environment, you'll be able to donate your points to where they are needed most. Points can be donated locally or globally to more than 2.5 million causes in the True Giving database.</p> <p>Visit <a href="https://trueblue.jetblue.com/web/trueblue/charity">JetBlue's Charity Page</a> for a full list of programs and start making a difference today.</p> <h2>Trading or Transferring Miles</h2> <p>Most programs will allow you to gift miles to other users. Check with your program&rsquo;s options for transferring miles. If that&rsquo;s not available, there are still other ways to move your points.</p> <h3>5. Redeem or Transfer Miles Through Points.com</h3> <p>You can trade miles with other frequent flyers through <a href="http://www.anrdoezrs.net/click-2822544-11373616-1368501104000">Points.com.</a> You can also transfer miles between frequent flyer programs, or redeem miles into Paypal credit, merchandise, dining, or gift cards.</p> <p>This may sound a lot like bartering miles, but airlines are okay with customers using Points.com because when you trade on this site, they're collecting fees every step of the way.</p> <p>While it is perfectly acceptable to trade your points in at Points.com, it's definitely not the best way to redeem them. You will not get as much as your miles are worth and you will be charged hefty fees, similar to the ones that airlines charge.</p> <p>If your miles are about to expire, or you're sure that you'll never use them, then this service could be right for you. But if you can use them on travel, you'll get much more bang for your buck.</p> <h3>6. Book Awards Tickets for Your Family &amp; Friends</h3> <p>Technically this is still a grey area when it comes to frequent flyer program regulations, but it is perfectly okay to fly your friends and family using your points, if they just so happen to give you something in return at the same time, that's a complete coincidence... right?</p> <p>Spending your miles on friends and family is a great way to use miles that would otherwise expire.</p> <p>See also: <a href="http://www.wisebread.com/the-5-best-credit-cards-with-airline-companion-tickets-and-3-bad-ones">Best Credit Cards that Offer Companion Tickets</a></p> <h2>The Bottom Line</h2> <p>I personally have never (and will never) sell my air miles to a broker and neither should you. There are just too many risks:</p> <ul> <li>Ticket confiscation;</li> <li>Reservation cancellation;</li> <li>Confiscation of all accumulated miles on your accounts;</li> <li>Strongly worded emails and accusations;</li> <li>Ban from rewards program.</li> </ul> <p>You can trade in your miles, use them to help make the world a better place, or fly your family and friends around the planet for a visit. Don't ever let your points go to waste. Use Points.com or credit card donation services to ensure that you're making the most of your unused miles.</p> <p><em>Have you ever donated or transferred airline miles?</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-ways-to-sell-or-donate-your-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-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/6-ways-my-family-scores-free-travel-with-credit-cards">6 Ways My Family Scores Free Travel With 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/how-one-man-used-credit-card-rewards-to-go-to-the-last-11-super-bowls">How One Man Used Credit Card Rewards to Go to the Last 11 Super Bowls</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/which-credit-card-should-you-use-to-get-free-hotel-stays">Which Credit Card Should You Use to Get Free Hotel Stays?</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/5-best-credit-cards-that-transfer-points-to-airline-miles">5 Best Credit Cards that Transfer Points to Airline Miles</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Credit Cards Travel airline miles charity donations rewards Fri, 02 Oct 2015 15:00:46 +0000 Nick Wharton 1578552 at http://www.wisebread.com