Money Tips Network

The provides a solid introductory offer of zero interest, along with rewards you can earn easily through regular spending. The card also comes with Mastercard protection, meaning you’ll be insured nearly anywhere you shop.

Another enticing feature of this card is that you don’t need excellent credit to qualify. Even customers with fair credit could get this card. If you’re looking to build up your credit, a no-fee card like this is a fantastic choice. Plus, the ABOC Platinum Rewards Mastercard® is one of the few credit cards that also doles out excellent rewards to customers with lower credit scores.

One thing that happens to almost everyone at some point during their financial growth is that they wind up with some significant amount of idle cash on their hands. Sometimes it simply happens as a result of becoming more frugal while also keeping an eye on spending, such that the person is spending a lot less than they earn and thus their checking account is growing each month. Sometimes, it happens due to windfalls that a person is unsure what to do with, so they just stick them in the bank and plan on worrying about it later. There are lots of reasonable explanations for why this can happen, and it often does happen when people start being more aware of their finances. The question then becomes, now what?

For the past six weeks, I've been hard at work writing my “introduction to financial independence and early retirement” project for Audible and The Great Courses. It's been challenging — and fun — to rework my past material for a new audience in a new format.

Naturally, I'm emphasizing two important points in this project: profit and purpose.

You can rack up miles quickly with the . This card offers 2x miles per dollar spent on purchases made at restaurants worldwide or directly with Delta. All other purchases with this card earn 1x point per dollar spent on eligible purchase, and there’s no annual fee (See Rates & Fees).

If you spend $1,000 during your first three months, you’ll earn 15,000 bonus miles (offer Expires 4/1/2020). Your Delta SkyMiles® Blue American Express Card automatically entitles you to 20% savings in the form of a statement credit after you use your Card on eligible Delta in-flight purchases of food, beverages, and audio headsets. This is on top of earning 2x miles for every dollar spent on Delta purchases.

Over the last couple of months, I’ve received quite a bit of positive feedback about my earlier Optimizing Laundry for Money and Time article, where I looked at my routine for doing laundry in extreme detail, and so I’ve decided to do an irregular series on other normal life routines that I’ve optimized in a similar fashion.

Before we dig into this, let’s back up and make clear what I’m talking about.

What’s inside? Here are the questions answered in today’s reader mailbag, boiled down to summaries of five or fewer words. Click on the number to jump straight down to the question.
1. Frustrated by advantages of others
2. Social Security reduces retirement fears
3. Family’s takeout when I’m gone
4. Daughter’s 529 is barely growing
5. Finding time for daily routines
6. Destroying replaced credit cards
7. Following NBA without cable
8. Winter hand care is expensive!

If you’re looking for a simple rewards structure, the offers solid flat-rate rewards that apply to all of your purchases. With a decent bonus offer and no annual fee, this is an ideal card for travelers who want to save on their next vacation without a litany of fees in the way. Plus, the 0% for 12 months intro APR period for purchases (then ongoing 13.49% - 23.49% (Variable)) gives you some cushion if you are planning a trip that’s a little outside of your budget.

The Buckeye State has excellent renters insurance options, with the average costs being $166 annually. Along with costs, there are other factors you’ll want to examine when buying a policy.

The first is how much renters insurance do you need? When you buy a policy, you’ll have the option to customize how much coverage you want for your personal property. If your apartment catches on fire or suffers water damage, this is the maximum amount your insurance will reimburse you for these damaged items.

If you have expensive tastes such as high-end art, collectibles or jewelry, you’ll want to have more coverage. Conversely, if you have a few expensive items, you can opt for a less expensive option.

If you rent your home or apartment, having renters insurance is important. Although it’s not legally required in the state of Arizona, having insurance will give you peace of mind in knowing that your personal belongings are covered if they get damaged or stolen.

Renters insurance is among the least expensive types of insurance you can get. In fact, the average cost of Arizona renters insurance is just $178 per year, according to the Insurance Information Institute (III). That breaks down to about $15 each month.

Before you purchase renters insurance, there are a few things you should consider. First, have an inventory of all your personal belongings and their original value. That will help you determine how much coverage you need.