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Financial Success Within a System-Oriented Life
One of the most powerful strategies I’ve found for improving my life is the idea of systems.
Basically, rather than setting a goal for yourself, you develop a system of some kind, a set of daily actions that gradually nudge you toward that goal.
For example, instead of saying “I’m going to lose 100 pounds this year,” you ask yourself, “What can I sustainably do each day to lead to gradual but significant weight loss over the course of this year?” At that point, you do some homework to answer that question. The answers might be very different for different people — intermittent fasting, a mostly vegan diet, a keto diet, or an exercise routine.
The point is to have a system of simple tasks you do every day (or nearly every day) that inches you little by little toward your goal.
If your big goal is to write a novel, your system is to write 1,000 words a day. Nothing matters other than that 1,000 words a day.
Delta SkyMiles® Platinum American Express Card Review
An attractive rewards credit card for frequent Delta flyers.
While some American Express rewards cards offer great perks, like complimentary access to its exclusive network of airport lounges, you won’t get that perk with the (lounge access costs $39 per visit). However, you will get attractive rewards rates on several types of travel-related purchases along with other valuable travel benefits.
Steps to Switch Car Insurance Companies
You may be ready to say goodbye to your car insurance company to find a new insurer that offers better rates or customer support, but you might be wondering how to switch car insurance.
Switching insurance carriers isn’t difficult, but it takes some planning. Considerations such as coverage, claims experience, discounts and price play a crucial role in finding an insurer that can protect your car. Learn how to tell if you need to switch insurance companies and what to expect if you decide to make the change.
A Guide to Prepare for Severe Weather Season
How to Prepare for Severe Weather Season
When spring arrives in some parts of the U.S., so does extreme weather like tornadoes and thunderstorms. And as fall and winter approach, many homeowners begin bracing themselves for wildfire season or hurricane season, followed by winter storm season. Although the types and the severity of these extreme weather events varies widely depending on where you live, it’s important for all homeowners to stay informed and to be prepared.
What is Credit Card Pre-approval?
If you’re like most adults in the U.S., there’s little doubt your mailbox — the snail-mail version — is regularly inundated with credit card offers. The vast majority of the offers declare your pre-selection, or pre-qualification, for its credit card. Even better, some note you have actually been pre-approved for its best offers and rates.
But what exactly does this mean, to be pre-approved? And what does it mean for you specifically? Are these prefixed words simply a marketing ploy to grab your attention? (It is.) Do you have to act on these blind offers even if you do not need a new credit card? (You don’t.)
Let’s explore what it means to be pre-approved and how to sift through which ones might be right for you.
What Are Secured Credit Cards?
How to establish credit is a common concern for younger individuals. While they may be ready to make their first significant purchases, the lack of any credit often presents a major hurdle. Similar obstacles confront those with the task of rebuilding poor credit history. Thankfully for both groups, a secured credit card allows each to start (or restart) their credit journey with the goal of financial independence. How do secured credit cards work? Let’s take a closer look.
What is a secured credit card?
A secured credit card is one backed or “secured” via a cash deposit paid by the cardholder. Similar to how a rental deposit protects a homeowner against damage or default by the renter, the cash deposit protects the issuer of the credit card should the cardholder be unable to make payments.
My Best Buy® Credit Card Review
A great card offering big rewards for Best Buy lovers.
Best Buy is one of the largest retailers of consumer electronics in the world and sells computers, smartphones, gaming systems and more. The company offers several store credit cards to reward customers for purchases, including the My Best Buy® Credit Card. If you sign up, you’ll be able to earn 5% rewards on everything you buy at the store, which you can redeem for Best Buy gift cards. Once you spend $3,500 in a year and qualify to be an Elite Plus cardmember, you’ll earn 6% on purchases. As far as store credit cards go, this is a very competitive rewards rate.
If you’d prefer to get deferred interest financing on large purchases rather than rewards, that’s also an option. To help you understand this card’s unique rewards structure and decide if it’s right for you, we’ve put together this My Best Buy® Credit Card review.
How to Create and Build Passive Income
Passive income seems like a wonderful dream. A source of income that requires little or no time and effort to generate money? It’s something that pretty much all of us would find incredibly useful.
Of course, passive income isn’t an easy thing to build — if it were easy, all of us would have big streams of passive income and we wouldn’t have to work! Still, it is possible to build sources of passive income for yourself. It just takes a few ingredients and some reasonable expectations.
Let’s dig in to see how you can get started with passive income.
The ins and outs of passive income
Passive income usually operates on the “long tail” idea.
Most sources of passive income operate on the idea of the “long tail.” You start off with a large investment of time and/or energy and/or money that may not generate a whole lot of initial return, but over the long run, it slowly and continually brings in revenue.
Guide to Filing Taxes in 2020
Tax season is often a stressful time for most people. It’s especially true for taxpayers with complicated tax filing needs due to owning a business or having a significant amount of investments, among other situations.
In 2020, we’re also dealing with a global crisis that only occurs about once every 100 years: a pandemic that must be contained through both individual and institutional efforts. Because of COVID-19, countless industries have been temporarily shuttered, and many state governments instituted closures of nonessential businesses, causing more than 10 million Americans to file for unemployment in March 2020.
Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard® Review
People who fly American Airlines and the airlines in AA’s Oneworld alliance will enjoy mid-level flight perks and a great sign-up bonus when they choose the . You’ll earn 2 AAdvantage® miles for every dollar you spend on eligible AA flights, as well as 2x miles for purchases at restaurants and gas stations, which means you don’t have to fly often to earn miles fast.
The sign-up bonus of 50,000 miles can be redeemed for a round-trip ticket from the United States to Europe with AA’s off-peak pricing. You’ll also get a number of perks for AA travel, including the first bag free, preferred boarding,a discount on inflight food and beverage purchases.
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