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Top 5 Pre-Approved Credit Cards

Your credit history plays a significant role in your financial endeavors. People with good credit history enjoy healthy relationships with most financial institutions. Among the benefits enjoyed by people whose credit history is impeccable is a preapproved credit card.

A pre-approved card is an offer given to select candidates who meet certain underwriting criteria of credit card issuers. The card issuer checks your consumer report from the three credit bureaus after which they send you a mail, informing you that they have preapproved you for a particular credit card.

In most cases, people with a good credit score are the ones selected as candidates. After receiving the pre-approved offer, you can choose to accept or dismiss it. However, most people are not able to determine the financial benefits that the offer can give them.

Accepting the offer in your mail does not guarantee instant approval credit card; your credit issuer may turn down the offer upon a further credit check. Below are some factors that can help you decide to either accept or turn down an offer:

  • Checking details of a prescreened offer does not affect your credit history.
  • You have the freedom of stopping prescreened offers for as long as you want.
  • Prescreened credit cards have more offers compared to the regular credit cards. For instance, you can get the advantage of 0% balance transfers.
  • You get cash back offers after spending some amount of a specified time
  • Lower interest rates when purchasing goods.
  • You get easy approval compared to the direct application of a credit card.

Here are some of the best-preapproved cards that you should consider accepting if they pop up an offer into your mail.

American Express’ Blue Cash Preferred Card

American Express’ Blue Cash Preferred card comes with a lot of benefits that can be a relief to your financial life. New users who apply for the card receive a bonus of 10% money back on all purchases transacted on Amazon.

The 10% bonus is valid for the first six months of owning the Blue Cash Preferred Card. Also remember that the maximum bonus amount you can receive in this bonus is $200. Additionally, American Express will give you $150 money back if you spend $1000 within the first three months of owning the card.

In the initial year of the card ownership, you will be charged 0% APR on balance transfers and purchases. After the 12 bonus period is depleted, your APR will be charged at a rate falling between 13.24%-23.24%. The APR rate will depend on your credit score and other underwriting factors.

Other Blue Cash Preferred Card bonuses that you will receive are;

  • 6% cash back bonus on purchases done in US supermarkets per year.
  • 3% cash back on purchases done at US gas stations.
  • 1% cash back on other purchases not listed above.

All cash back bonuses are received in the form of reward dollars. Therefore, the rewards are redeemable as a statement credit. The annual fee for the card is $95.

Citibank’s Citi Simplicity Credit Card

The Citi Simplicity credit card is designed to simplify your savings. The top benefits of this card are beneficial is the fact that you will never receive a penalty for late fees and you won’t pay an annual fee.

After acquiring the Citi Simplicity Credit Card, Citibank gives you the freedom to enjoy 0% APR for the initial 21 months after enrolment. The 0% APR applies to credit transfer transactions and purchases.

After the bonus period is depleted, your APR will fall within 13.24%-23.24% depending on your credit score. You will also be charged a 3% of amounts transferred. Your application will take a maximum of four weeks to complete.

Purchases are charged a minimum interest charge of $0.50. Foreign purchases will be charged a rate of 3% for the total purchase amount. You can check if you pre-qualify for the benefits by entering your name, address, and last four digits of your social security number. Inquiries do not affect your credit score.

Capital One’s Platinum Credit Card

There are very many reasons you can approve a pre-approval request from Capital One. If you apply for the Platinum Credit Card, you will stand a chance to enjoy the $0 annual fee that comes along with benefits like;

  • Using the card helps to boost your credit score. Ensure that your first monthly payments are timely to get the advantage of increasing your credit score.
  • If your Platinum Credit card gets lost, you don’t need to fear of paying a fraud liability fee.
  • Capital One gives you the benefit of monitoring the progress of your credit score.
  • You won’t be charged a transfer fee.

Your account will be monitored, and capital one will notify you whenever they realize a suspicious activity. Likewise, you will be asked to pick your suitable due date and payment method. It saves you from harming your credit score by failing to meet the unrealistic deadlines set by some credit issues.

In case you have trouble with your account, contact Capital One’s customer desk which is accessible online or through phone contact. The customer representatives are available for 24 hours a day.

Discover’s Secured Credit Card

To find your offer on Discover, you have to fill a form with your name and your social security number. The data you give is used to determine the offers that you are eligible for. Therefore, you credit score will not be affected.

You will be required to make a refundable security deposit in which the minimum amount is $200. With the card, you will start enjoying benefits like;

  • 1% cash back on all purchases.
  • 2% cash back on purchases are done in eateries and or gas stations.
  • During the first year, Discover matches all cash back earned.
  • You will not be paying the annual card fee.
  • Discover has a standard APR of 23.24%
  • You will be receiving free monthly updates of your credit score.
  • Customers with a good credit record will be approved for a no security credit card.
  • You can stop suspicious purchases using a mobile application within seconds.

US Bank’s Visa Platinum Card

US Bank’s Visa Platinum Card comes with a lot of benefits that will give you a chance to save more. Your initial 12 billings will be charged a 0% APR on purchases and credit transfers. After the introductory APR is depleted, your successive APR will be levied within 10.24%-21.24%. The APR depends on your credit worthiness.

Other benefits that your Visa Platinum Card will give you include;

  • Secure online banking services like confirming account balances and viewing bank statements.
  • You can withdraw cash from over a million ATMs worldwide.
  • The card has an automatic payment option that can relieve you from late payments, thus leading you to good credit.
  • The card gives you the freedom of selecting your due date.
  • You will receive a notification if US Bank suspects an unusual activity.
  • You can manage your account through a mobile application.

Accepting a pre-approved credit card requests comes along with many benefits compared to the direct application. However, you should be wise to accept requests that match your financial goals. A good pre-approved credit card will give you the advantage of easy approval and saving while making purchases.

Top 5 Rewards Credit Cards

Rewards credit cards can be used on an everyday basis and are a great way to earn money back on what you already spend. There are a number of types of rewards offered by credit card companies, including cashback, reward points, and travel miles.

In order to get a card that offers generous rewards, you usually need to have a credit score in the good to excellent range. People with scores below 690 will struggle to qualify for cards that offer top-tier benefits. However, if you do qualify for these cards, you can also benefit from the relatively low interest rates and no annual fees that come along with them.

Here are five of the best reward credits cards out there.

Chase Sapphire Preferred Card

The Chase Sapphire Preferred Card is great for people who love to travel. Unlike many travel reward cards, this one isn’t affiliated with an airline or hotel company, and you can spend your rewards in a number of ways. Cardholders earn 1 point per dollar on general purchases. Dining and travel expenses will earn you 2 points per dollar. Points are worth one cent and can be redeemed for cashback or a statement credit. If you use your points to book travel via the Chase Ultimate Rewards program, you can get a bonus of 25%, so the reward rate will increase to 1.25% or 2.5%.

Another perk of this card is the massive bonus they offer for opening an account. Spend $4,000 within the first three months, and you’ll get 50,000 extra points added on. If you redeem those points through Chase Ultimate Rewards, you’ll have $625 to spend on airfare, hotel costs, and other travel expenses. The card does have an annual fee of $95, but it’s waived the first year. There are no foreign transaction fees, and it has a variable APR of 16.24%-23.24%.

Capital One Quicksilver Cash Reward

The Capital One Quicksilver card offers some of the best cashback overall cashback rewards available. With every dollar you spend, you earn 1.5% in cash. The rewards are the same for all purchases, so there are no special categories to worry about. Although the Chase Sapphire Preferred card may offer a slightly better rate, this card is a better option for people who don’t travel much or would rather redeem their points for a statement credit.

Like the Chase Sapphire Preferred card, this one comes with a sign-up bonus, although it’s not quite as impressive. If you spend $500 within three months of opening an account, you’ll earn $100 in rewards. It might not seem like much, but it’s an easy goal to achieve even if you’re not a big spender. Plus, there’s no annual fee with this card, and there’s 0% APR on purchases and balance transfers for the first nine months. There’s a 13.24% – 23.24% variable APR after that.

Citi Double Cash Card

This card offers one of the highest percentages of rewards of any on this list. Cardholders earn 1% cash back when they make a purchase and 1% back, which means you earn 2% in rewards in total. Rewards can be earned on every dollar you spend, regardless of the category, and the amount you can earn is unlimited. You can start redeeming your rewards once you’ve accumulated $25. The money can be applied toward statement credit, a gift card, or a check.

The downside of this card is that it doesn’t offer any kind of sign-up bonus, so it may seem unappealing when compared to some of the others. When considering long-term usage, however, it will give you good returns, and it offer flexibility in the way you redeem your cashback. There’s an 18-month introductory period of 0% APR on balance transfers, which makes this one of the best rewards cards if you’re planning on carrying a balance. There’s an ongoing 13.24% – 23.24% variable APR on purchases.

Chase Freedom

The Chase Freedom card offers 5% cashback on purchases made in categories that rotate each quarter. All other purchases earn rewards of 1%. This card is an outstanding option for people who are new to reward credit cards, as it is easy to qualify for with a credit score below the excellent range. Cardholders can earn the 5% cashback on up to $1,500 worth of purchases each quarter. The rotating categories include:

  • Gas stations and commuter transportation
  • Grocery stores and wholesale clubs
  • Restaurants and wholesale clubs
  • Department stores, wholesale clubs, and pharmacies

If you spend the maximum of $1,500 each quarter, you can earn $300 in rewards over the course of the year. The downside of using this card is that you have to keep track of which categories are active during which quarter, and you’ll need to remember to activate your account online in order to be eligible for the 5% rewards. However, you probably spend money on things like groceries and gas anyway, so it’s not difficult to earn rewards.

When you sign up for this card, you’ll be able to take advantage of the 15-month introductory period of 0% APR. The card offers a bonus of $150 if you spend $500 on purchases within the first three months. In addition, your account gives you access to the Chase Ultimate Rewards program, which can give you up to 10% off on purchases you make with your cashback rewards. There’s no annual fee.

Discover It

The Discover It card has many similarities to the Chase Freedom card with some added features. Each quarter, cardholders can earn 5% rewards on up to $1,500 worth of purchases in rotating categories. All other purchases earn 1% rewards. Cardholders will need to log on to their account each quarter to activate their ability to earn rewards. Categories include:

  • Gas and Ground Transportation
  • Restaurants and Movies
  • Home Improvement and Amazon.com
  • com, department stores and Sam’s Club

The reward level is quite generous, and it’s definitely worth it to get this card if you make a lot of purchases on Amazon.com. In addition, Discover offers the Cashback Match program to new cardholders. At the end of your first year, they’ll automatically match the cashback you earned. If you accumulated $100 in rewards, they’ll give you another $100.

The main downside of using this card is that you have to remember what categories are active each quarter. It only offers 1% on general purchases, which isn’t as good as the Citi Double Cash card. However, the Discover It card has no annual fee, and they give cardholders free access to their FICO score. You’ll get an 14-month introductory period of 0% APR on purchases and balance transfers. The variable APR is 11.24% – 23.24% after that.

Top 5 Zero Percent Interest Credit Cards

People who want to consolidate debt or who are gearing up to make a big purchase would benefit greatly from a 0% interest credit card. Often, these no interest deals last for a year or more, depending on the card you choose. That’s a lot of time to pay off a chunk of your debt or purchase!

These five cards are great options of you’re looking to pay no interest for the next several months.

Chase Slate

Chase Slate does not charge a transfer fee when you transfer a balance within 60 days of opening the card. Often, credit cards charge between three and five percent to transfer a balance. Additionally, the 0% interest offer is for 15 months, not just twelve, and applies to both balance transfers as well as purchases. If you want to eliminate debt and make a big purchase, this card is an excellent option. If you have to make a payment late, you won’t have to pay a penalty APR (although it could affect your credit score, so always try to make your payments on time). Chase Slate will also let you check your FICO score every month for free. Another great advantage of this card is that there is no annual fee.

While Chase Slate has a lot of advantages, it does not have a rewards program. It’s better for consolidating debt and making big purchases than it is to use every day on your regular purchases. Also, you won’t be able to carry out a balance transfer from another Chase card; you have to transfer the balance from a card by another provider. The balance you transfer must be $15,000 or less. Also note that if you make transactions abroad, you’ll be charged a 3% fee.

Chase Freedom

After signing up for Chase Freedom and spending $500 within the first three months, you’ll get a bonus of $150. Other perks of this card include no annual fee; no interest on balance transfers and purchases for 15 months; 5% cash back on as much as $1,500 in specific categories; and 1% back on all other purchases. The rewards is an excellent benefit of the Chase Freedom card because many no interest cards don’t come with a rewards program at all. The signing bonus is also rare, especially on cards that allow for a balance transfer.

The rewards program with this card is great, but it can be a little tricky to understand. In order to get 5% back, you have to make purchases within a certain category, and those categories change. In order to know if you’ll be getting either 1% or 5% back, you’ll need to keep track of which category is currently offering the biggest rewards. Also, this isn’t a good card to bring with you while traveling abroad because you’ll be charged 3% on all foreign transactions.

Overall, this is a great all-around card. You can take up to 15 months to pay off your balance transfer without paying any interest, and you can use the card daily while earning cash back on all purchases.

Discover it

When you transfer a balance to the Discover it card, you’ll have 18 months to pay it off before being charged interest. You’ll also get 0% interest on purchases for six months. This card also comes with rewards: you’ll get 5% back on purchases in categories that regularly change and then 1% back on your other purchases. Unlike many other 0% interest cards, this one doesn’t charge a transaction fee on foreign transactions, so it’s a great one to bring with you while traveling. There also is not a penalty APR for late payment. However, when you transfer a balance, you’ll be charged a 3% fee.

This card also comes with a bunch of other perks. You can access your FICO score for free. You’ll get warranty protection. There’s also a Freeze It option that you can easily turn on if you misplace your card; it will protect your card from making any new transactions when turned on. One of the drawbacks of this card is that there’s a short no interest period for new purchases, so some people may opt to use it only to transfer a balance. Also, Discover isn’t accepted by every retailer, so it’s not a good option if you’re only going to have one credit card.

Citi Simplicity Card

The Citi Simplicity Card’s biggest perk is that there are never any late fees or penalty interest charges for paying late. Don’t be too swayed by the “no late fees” offer – it’s a great backup if you accidentally miss a payment or two, but paying late will still affect your credit, so it shouldn’t become a habit. The introductory 0% APR is for 21 months, which is a very long time compared to other no interest credit cards. This makes the card a fantastic option if you have debt or purchases that you know you won’t be able to pay off in one year. There’s also no annual fee, so you can put even more money toward paying off the balance.

If you do use this card to transfer a balance, keep in mind that you’ll have to pay 3% of the balance as a fee. Depending on how large the balance is that you’re transferring, this could cost a lot – compare the cost to how much you’re saving with 0% interest to make sure this card is a smart option. Also, this card does not have a rewards program, and if you use it in a foreign country, you’ll be charged a 3% fee per transaction.

Citi Double Cash Card

The Citi Double Cash Card has 0% interest for 18 months on balance transfers. The rewards program is pretty good, too – you’ll earn 1% on purchases and then another 1% when you pay them, and there’s no limit to how much you can earn back. However, you’ll have to wait until your cash back balance has reached at least $25 in order to claim it. The Citi Double Cash Card has no annual fee. Note that you’ll have to pay a 3% fee on balance transfers; if the fee is less than $5, you’ll pay a flat rate of $5. Overall, this card is good for people who need a long time to pay off their debt. It also has a great cash back program, so a lot of people opt to use it for daily purchases even after the 0% interest rate period has passed.

If you’re currently in debt, there’s no need to pay interest every single month on what you owe. Instead, transfer your balance to your 0% interest card and get more time to pay it off. A no interest card is also a great option if you’re about to make a huge purchase. Buy the item or gadget now and don’t worry about interest for the next 12 months. You can also find a 0% interest card that meshes well with your lifestyle, whether you travel abroad, make several purchases daily or want a rewards program to earn cash back.

Top 5 Pre-Paid Credit Cards

For people who don’t have a bank account or a regular credit card, a prepaid credit card is an excellent option. Even some people who have a bank account and credit card opt to use prepaid credit cards as a way to budget effectively.

With a prepaid credit card, you’re not at risk of paying interest or being charged an overdraft fee. Prepaid cards also don’t require a credit inquiry, so they’re great for people who may have bad credit at the moment. Since prepaid cards are safe and relatively fool-proof, they’re also among the best credit cards for teens.

Here are five of the best prepaid credit cards available.

Bluebird

The Bluebird card by American Express and Wal-Mart has a variety of loading options, all of which are free. For example, you can make a cash deposit at a Wal-Mart location or you can use the Bluebird app to deposit checks via your mobile device. There are also several payment options, including online and by check. You can also make withdrawals from the card for free at a MoneyPass ATM, or for a fee at any other ATM or at a Wal-Mart store.

The Bluebird prepaid card will work wherever American Express is accepted. It also has both purchase protection and fraud protection. It’s free to register for a Bluebird count and to get the card, and you can sign up online or via the mobile Bluebird app. You can also get a Bluebird kit at Wal-Mart for just $5. You won’t ever pay a monthly fee and no credit inquiry is required in order to get this card.

American Express Serve

The American Express Serve is one of the best prepaid credit cards because it doesn’t cost a lot, it makes it easy to steer clear or fees, and it’s simple to add cash to the card. There’s a monthly fee of just $1, but if you add a minimum of $500 to your card monthly, or if you use direct deposit, you won’t have to pay the monthly fee. By enrolling in direct deposit, your paycheck will go right into your Serve account.

Visit a 7-Eleven or CVS to load cash onto the card for free. While there are other prepaid cards that are partnered with bigger retail stores, many times those stores will charge a fee to add cash to the card. American Express Serve is really great if you have kids who you want to connect with the card. You can create accounts for each child and then set limits when it comes to how much they can spend. The card is also great for planning and saving, because you can move money into the reserve account to keep it separate from your spending accounts.

This card also comes with around-the-clock customer support and security. When you shop either offline or online, you’ll be safe thanks to Purchase Protection. Withdraw cash from approximately 24,000 ATMs around the country. The mobile app can be used to make deposits, pay bills and manage your accounts.

American Express Serve Free Reloads

The American Express Serve Free Reloads has different perks than the basic American Express Serve prepaid card. This is the best card to choose if you want one that’s easy to load with cash. There are over 45,000 partners across the U.S., including Wal-Mart, 7-Eleven and Rite Aid, that will let you add cash to the card for free.

This card comes with a $4.95 fee per month, except for people who live in New York, Texas and Vermont, where there is no monthly fee. You can link sub-accounts for up to four people who are 18 years old or older, though in some states the account must be for someone who’s at least 19 years old. You can deposit checks via the mobile app and you can also use the app to pay bills.

To purchase this card, you can order it online for no cost or you can buy it in a retail store for $3.95. There is no credit check necessary in order to get this card.

Kaiku Visa Prepaid Card

The Kaiku Visa Prepaid Card from The Bancorp Bank and Kaiku Finance are partners with Allpoint ATMS. You can access any of these ATMs for free and there are 55,000 throughout the U.S. With the mobile app, you can find the ATM that’s closest to you. The app will also let you find out your balance, transfer money to other people, deposit checks, and pay bills.

The Kaiku Visa Prepaid Card has easy-to-understand, low fees, especially when you compare them with many other prepaid credit cards. You’ll have to pay $3 per month, but you can avoid the fee if you add a minimum of $750 to the card each month. If you use an ATM that’s not in the network, you’ll pay a fee between $2.95 and $4.95. You can also add cash to the card at a MoneyGram or Visa ReadyLink location.

It’s important to know that when you make a mobile check deposit, it can take up to 10 business days to show up in your account. Or, you can pay $5 or 1%, whichever is more, to the third party service Ingo to get your money sooner. The card will work wherever Visa cards are accepted.

PayPal Prepaid Master Card

PayPal is one of the best companies around when it comes to making and receiving online payments, so it’s no wonder that they have a great prepaid card, too. The monthly fee for this card is $4.95, but the card comes with a lot of perks that seem to out-value the charge. You can make an unlimited number of PIN and signature purchases, and you’ll get cash back on your purchases from certain restaurants and retailers. You can also move money from the card to your PayPal account and vice versa.

While there are some other prepaid cards that you can technically link to your PayPal account, none seem to work as well as the PayPal Prepaid Master Card. Also, with this card you can add money to it via direct deposit or at a NetSpend Reload Network spot (there are more than 130,000 in the U.S.).

Prepaid cards aren’t simply a last option for people who can’t get a traditional bank account or credit card, or who are trying to get back on their feet after bankruptcy. Valuable features have made prepaid cards a mainstay for a lot of people, regardless of their financial situation. They’re a great alternative to traditional credit cards if you need a way to spend daily while you build credit with another card, or if you’re looking to curb your spending by managing how much you have on hand. Since prepaid cards can usually be used at various ATMs for no fee, some people prefer to use prepaid cards simply for convenience.

Top 5 Travel Credit Cards

The best credit cards for travelers are the cards offering travel perks, upgrades, and no foreign transaction fees at any foreign ATMs for those who spend ample time out of the country. Whether it’s an airline card, a hotel card, or a travel card in general, the credit card industry is overwhelmed with credit cards that offer travelers the best travel rewards.

Compare the best cards available right now before you decide which one is right for you. Take into consideration your travel habits, your favorite brands, and whether you travel often enough to make a travel card beneficial in your wallet.

Chase Sapphire Preferred Card

What makes the Chase Sapphire Preferred card unique is its lack of brand loyalty. It’s not specific to one hotel group, airline, or other travel brand. This means the card is meant for maximum benefits in every situation no matter where you travel. Unlike a branded travel card, the Chase Sapphire doesn’t limit your reward earnings potential to just one airline or hotel.

  • Earn 2 points on every dollar spent dining in restaurants or on any travel purchase through hotels, airlines, and rental car agencies
  • Earn 1 point for every dollar spent on everything else
  • Book through Chase Ultimate Rewards and points are worth 25% more than they are when you book travel through other carriers
  • Earn 50,000 bonus points when you sign up for the card and spend $4,000 on purchases in the first three months of opening your account
  • Earn 5,000 bonus points when you add an authorized user and they use their card to make a purchase within three months of opening your account
  • $95 annual fee waived the first year you have this card
  • No foreign transaction fees

Southwest Rapid Rewards Travel Card

If you are brand-loyal to Southwest, you’re going to love the airline’s credit card perks. This low-cost airline is one of the best for those who travel domestically, and the card offers many perks that other airline cards might not offer on such good travel deals.

  • Earn 6,000 bonus points every year on your cardmember anniversary
  • Points never expire
  • Earn 2 points for every $1 spent on all Southwest Airlines purchases as well as with any Rapid Rewards member hotel and car rental partner
  • Earn 1 point for every $1 spent elsewhere
  • No foreign transaction fees
  • Luggage flies free
  • No fees to change your flights
  • Earn 40,000 bonus points after spending $1,000 during the first three months your account is open

Frequent travelers understand the value of saving money on the little things, which includes things like checked luggage. Anyone with a card has first priority when it comes to boarding, they receive special offers in the mail, and they are considered some of Southwest’s favorite customers.

Barclay Arrival Plus World Elite MasterCard

Designed to benefit frequent travelers, this travel card isn’t loyal to one brand. If you’re not loyal to one specific travel brand, it’s the right card for your wallet. You aren’t limited to where you earn your points, how many points you can earn, or where you can spend them.

  • Earn 50,000 bonus miles after spending $3,000 in purchases in only 90 days
  • Bonus points can be redeemed for a $500 statement credit
  • Get 5% of your miles back when you redeem them for travel
  • Earn 2 miles for every dollar you spend anywhere, any time
  • No APR on all balance transfers for the first 12 months your account is open
  • $89 annual fee is waived for one year
  • No foreign transaction fees

The most spectacular aspect of this travel card is the way in which you can redeem your miles. Rather than redeeming them for free travel, they can be redeemed as cash toward your travel purchases. This breaks down so that 10,000 points equals $100 worth of free travel.

Discover it Miles

Discover makes a no-frills credit card for anyone who loves to travel, but doesn’t have any loyalty to any hotel or airline group. There’s no annual fee on this card, the miles earned with each purchase are higher than most every other travel card, and the rewards are simple.

  • Earn 1.5 miles for every dollar spent anywhere you go
  • Earn double the miles at the end of the first year you have this card
  • Points are redeemable for cash at anytime
  • Rewards never expire
  • No fraud liability
  • No penalty APR
  • No annual fee
  • No overlimit fees
  • No late fee on one late payment
  • No foreign transaction fees
  • Free FICO score on statement each month

Discover it Miles also allows travelers the chance to take advantage of the Freeze It account. If you want to freeze your card because you cannot find it, suspect someone else has it, or you’re worried about it, you can do it yourself with your mobile app in as little as a minute. Once you’re satisfied all is well with your card and you’re ready to use it again, you can unfreeze it the same way in a matter of seconds.

BankAmericard Travel Rewards Card

Without an annual fee to worry about, every travel reward you earn with this card is profit to you. The sign-up bonus isn’t as strong with this card as it is with others, but it’s not exactly pointless. You’ll earn 20,000 reward points for spending $1,000 in a matter of 90 days, and the other perks are amazing.

  • Earn 1.5 points for every dollar spent on any purchases, all the time with no limits
  • No annual fee
  • No foreign transaction fees
  • Points never expire
  • Points are redeemed as a statement credit
  • No APR for one full year
  • Earn 10% more bonus points when you use a Bank of America checking account or savings account

It’s a no-nonsense travel card that offers more than other travel cards. The points are limitless, and they’re higher with each purchase than they are on most other hotel or airline branded cards. This is one you’ll appreciate, and most people end up profiting with this card.

Many people think of travel credit cards as cards co-branded by a specific airline or hotel, and that’s not untrue. However, they’re also cards that are used to earn miles or points redeemable for travel. These cards all offer travelers a chance to save money by not charging foreign transaction fees, money exchange, and each one allows you to earn points at a rapid pace.

To make the most of each card, use it for your everyday purchases, your living expenses, and any other purchases you make throughout the year. Pay the balance in full each month to keep your credit score high and your debt-to-income low. This helps build your credit score and make you look more favorable to other lenders. These cards benefit anyone who travels often, but they might not be the best for those who don’t travel frequently. Compare them to your travel habits, and see which one best fits your lifestyle.

Top 5 Hotel Rewards Credit Cards

Earning free hotel stays with hotel credit cards is a perk travelers enjoy immensely. Free travel is something people rarely turn down, and there’s no better way to ensure you’re going to get a free night in a hotel than with a hotel credit card. They’re best for frequent travelers, but not all cards require you stay in a specific hotel brand.

If you are loyal to one specific hotel family, it makes sense to apply for that hotel credit card. If you’re not loyal to one hotel brand, you might want to take a look at the five best hotel credit cards available right now. Each one has something to offer the rest don’t, but they all work hard to ensure travelers are cared for each and every time they use their card.

Hyatt Visa

Hyatt Hotels are plentiful in many countries, and there’s a Hyatt brand for every budget. From high-end luxury hotels to affordable suites-only hotels for those with a tighter budget, there’s nothing you can’t book through Hyatt. The Visa card is great for those who love a Hyatt property but still want to use their card for everyday purchases.

  • Earn two free nights at any Hyatt after spending $1,000 in three months
  • Earn 5,000 bonus points when you add an authorized user and make a purchase with that card
  • Earn 3 points for every dollar spent at all Hyatt properties
  • Earn 2 point for every dollar spent on airline tickets, restaurants, and rental cars
  • Earn 1 point for all other purchases
  • Earn a free night at Hyatt every year on your cardholder anniversary

As long as you remain a Hyatt Visa holder, you are given complimentary access to Hyatt Gold Passport Platinum Status, which offers even more perks. You’ll get first choice of your rooms at any hotel, free upgrades, free perks, and even guaranteed rooms even when a hotel is listed as sold out. There’s no annual fee the first year, and it’s only $75 per year after that.

IHG Rewards Club Select Credit Card

This is a great card for those who like to travel without spending too much money. The sign-up bonus is worth $455 in free travel, and people who carry this card love the options they have when they present it at check-in.

  • Earn 60,000 bonus points when you spend $1,000 in three months
  • Earn 5,000 bonus points when your authorized user makes their first purchase within three months
  • Earn 5 points for every dollar spent at any IHG property
  • Earn 2 points for every dollar spent at gas stations
  • Earn 2 points for every dollar spent at grocery stores
  • Earn 2 points for every dollar spent at restaurants
  • Earn 1 point for every dollar spent elsewhere
  • Earn a free night each year on your cardholder anniversary
  • Annual fee is only $49, and it is waived the first year

Chase Sapphire Preferred Card

One of the best travel cards on the market, this is a travel card that offers a myriad of hotel perks even though it’s not a specific hotel credit card. Chase Sapphire does work closely with Hyatt’s Gold Passport, IHG’s Rewards Club, and Marriott/Ritz-Carlton Rewards programs, so brand-specific travelers to any of these hotels will reap the biggest benefits.

  • Earn 50,000 bonus points by spending only $4,000 in three months
  • Earn 2 points on every dollar spent on airlines, hotels, rent cars and dining
  • Earn 1 point for every dollar spent anywhere else
  • Use anywhere Visa is accept
  • No foreign transaction fee
  • No annual fee for one year, $95 fee after that
  • 20% discount on all hotels, airfare, and rental cars when you book through Chase’s Ultimate Rewards program

Starwood Preferred Guest Credit Card from American Express

This card is great for anyone who loves a wonderful value during their hotel stays. The perks are numerous, and SPG hotel locations are all over the world. Anyone with this card will earn serious points with SPG hotels, making it one of the best for various methods of travel.

  • Earn 25,000 bonus points for spending $3,000 in three months
  • Earn 5 points for every dollar spent at SPG hotel locations
  • Earn 2 points for every dollar spent at Marriott properties
  • Earn 1 point for every dollar spent elsewhere
  • No annual fee for one year, $95 after
  • Free internet access in room
  • Unlimited Wi-Fi at all Boingo hotspots
  • There are more than 1,300 SPG hotels in the world

What makes this card stand out among the rest even with the lower sign-up bonus, the lack of anniversary nights offered free of charge, and the lower number of hotel properties across the world is the rate of redemption. Starpoints are more valuable than any other hotel reward point, valued around 2.3 cents for each point your account accrues. This means your dollar goes a lot further with SPG than it does at many other hotel brands. Additionally, SPG hotels are among the nicest in the world.

Marriott Rewards Premier Credit Card

If you love free nights and rewards points, this is the hotel card you want in your wallet. This card offers the best anniversary bonus. Each year, cardholders are offered a free night at a hotel in the 1-5 categories anywhere in the world. One free night at a hotel in a tropical destination or expensive city goes a long way in helping travelers afford the vacation of their dreams. Other perks this card offers travelers are just as impressive.

  • Earn 80,000 points by spending $3,000 in three months of opening your account
  • Earn 5 points for every dollar spent at a Marriott hotel or on a Marriott property
  • Earn 2 points for every dollar spent on airline tickets through airlines
  • Earn 2 points for every dollar spent at rental car agencies
  • Earn 2 points for every dollar spent at a restaurant
  • Earn 1 point for every dollar spent otherwise
  • Use anywhere Visa is accepted
  • No foreign transaction fees makes this card great for international travelers
  • Low $85 annual fee

Marriott hotels are numerous. There are more than 4,300 properties located in more than 80 countries, which means you’re almost guaranteed to find a property anywhere you go.

To maximize hotel rewards points to earn more free hotel stays, use your hotel card for every major purchase you make. Pay your mortgage and your utilities with it, and use it as your everyday card for purchases and bill pay purposes. Pay it off in full each month, and you’ll be able to earn more points than you imagined. Depending on the card you choose, you could earn several free nights each year with your hotel credit card, which can make personal travel more lucrative than ever.

Using your car responsibly is the best way to earn points and free travel, and staying out of debt is what makes life more enjoyable and affordable. Use your card as often as possible, but always pay the balance in full to maintain an excellent credit score.

Top 5 Credit Cards for Earning Airline Miles

With the right airline credit card, you can earn free domestic and international trips. These cards are great for frequent travelers looking to cut down on costs. If you love to game the system, they’re also a fun way to score free trips.

You’ll need a credit score of at least 700 to qualify for these top-tier cards, and a household income of at least $50,000 will help your applications be more successful. These top five cards include options for beginners to reward travel and choices for long-time churners.

Chase Sapphire Preferred Card

Everyone who cares about reward points should have this card in their wallet. Chase’s Ultimate Rewards give you so many travel options. You can use the points to purchase airfare, hotels and car rentals for your vacation, or you can transfer them to travel partners. There is an annual fee, but it’s waived for the first year so you can explore all this card has to offer.

Chase gives you a 1:1 ratio for air miles programs like Southwest’s Rapid Rewards, United’s MileagePlus and British Airway’s Avios. If you pick up an airline credit card from one of these companies, you can build up your frequent flyer account then transfer your Chase Ultimate Rewards points. You could end up with enough air miles for a first class ticket on an international flight.

The Chase Sapphire Preferred offers a number of great benefits, including these:

  • Beautiful design and heavy-weight card that makes a serious impression
  • No foreign transaction fees
  • Earn double points on travel and dining charges
  • Great sign-up bonus: Earn 50,000 Chase Ultimate Rewards points if you spend $4,000 in your first 3 months
  • Primary rental car coverage protects you on the road

Hawaiian Airlines World Elite MasterCard

Who doesn’t want a free round-trip flight to Hawaii? With this card, you can shop, surf and soak up the sun. New users get 35,000 Hawaiian Air Miles after spending just $1,000 in the first 3 months. You can meet that spending goal with just regular monthly charges. That makes this card perfect for churning beginners who don’t want to bother with manufactured spending.

You also get a companion certificate for 50% off a round-trip coach ticket. You can book your free flight with the 35,000 Air Miles you’ll earn and pick up a discounted fare for a friend or romantic partner.

  • The Hawaiian Airlines card has no foreign transaction fee. The annual fee of $89 is waived for the first year.
  • $100 discount on any coach-level companion fare
  • 5,000 bonus miles if you spend $10,000 annually
  • Double miles on Hawaiian Air purchases and 1 mile for every dollar spent elsewhere
  • Your first checked bag is free when you purchase your fare with your card

Capital One Venture Rewards Credit Card

Like the Chase Sapphire Preferred, this card from Capital One isn’t tied to a specific airline or hotel rewards system. Instead, the miles you earn can be used to pay for any travel-related expenses. That means you can book a rental car, pay for baggage fees or pick up tickets to a museum and you’ll be covered by Capital One.

With a non-branded travel card like this one, you don’t get the maximum value possible. You’d need to combine multiple cards and book international flights to drive up your cents-per-point reward. So why get this card? It’s easy to use. This is a great option if you’re new to travel credit cards and want to start with something simple. If you’re only open to one card, pick up the Chase Sapphire Preferred Plus. When you’re ready to expand your credit card library, the Capital One Venture Rewards card is a great second pick.

You’ll get these benefits:

  • Double miles—2% back—on every dollar you spend
  • Erase any travel purchases, including flights, fees and event admissions
  • Hefty sign-up bonus is worth $400
  • $59 annual fee waived for the first year
  • Price protection gets you reimbursed if you purchase something that goes on sale within 120 days

Southwest Rapid Rewards Premier Credit Card

Come fly the friendly skies with Southwest. This airline card from Chase Bank is a great way to start your Rapid Rewards account. Southwest has some of the best customer satisfaction in the aviation industry, and their frequent flyer rewards system is top-notch.

When you spend $1,000 in your first 3 months, you’ll earn 40,000 Rapid Rewards points. You can use those points with no black-out dates, no seat restrictions and no baggage charges. If you need to change your flight, there are no change fees.

Rather than a flat rate based on flight time or distance traveled, Southwest pegs their award prices to the dollar value of a ticket. That means you can squeeze multiple round trip vacations out of a single sign-up bonus. Simple tricks like flying to Newark Liberty International Airport instead of JFK can save you thousands of points. So can taking a later flight or flying during the week. You can score flights for as low as 4,000 points one way. That makes this card a great value for frequent travelers.

If you’re ready to invest serious time and energy into credit card churning, this card is the first step in earning the coveted Southwest Companion Pass. You can score free flights for a travel companion for over an entire calendar year. You’ll need to earn 110,000 Rapid Rewards points to score the pass. Start with this card, and you’ll be almost halfway to your goal.

You get other great benefits with this card:

  • 6,000 bonus points every anniversary
  • 2 points per $1 spent with Southwest and travel partners
  • No foreign transaction fees

Starwood Preferred Guest Credit Card from American Express

Why is a hotel card on a list of the top cards for airline miles? It’s because Starwood has a generous transfer policy. You can move your Starpoints to many partners in a 1:1 ratio, including these airlines:

  • Alaska Airlines Air Miles
  • American Airlines AAdvantage
  • Korean Air
  • United MileagePlus
  • Hawaiian Airlines
  • Singapore Airlines KrisFlyer

If you combine the Starwood Preferred Guest card with an airline credit card, you can rack up some impressive reward points totals and redeem them for free flights. This card is a good way to beef up a frequent flyer account once you’ve tapped out the airline’s cards.

American Express offers a sign-up bonus of 25,000 Starpoints if you make $3,000 in purchases in your first 3 months. You’ll also get double points for every Marriot and Starwoods hotel charge and 1 point for every other dollar you spend. The $95 annual fee is not charged your first year.

You also get no foreign transaction fees and free internet at all Starwoods properties.

Top 5 Credit Cards for Poor Credit

Using a credit card responsibly is a great way to fix your credit, but if you have bad credit, you might assume that it will be hard to get approved for a credit card in the first place. It can seem like a bad situation to be in if you are trying to build credit after bankruptcy or if you just have a low score and would like to bring it up, but luckily, there are credit cards out there that are perfect for those with poor credit. These are a few of the best.

Capital One Secured MasterCard

One of the best options for those who have bad credit is the Capital One Secured MasterCard. As with other secured cards, you will be expected to make a security deposit. However, this card is a bit unique from some of the other secured cards that are out there.

With most secured cards, your credit limit is equal to the amount that you deposit, period. In some cases, though, Capital One gives customers a higher credit limit than their initial deposit. The minimum deposit will be either $49, $99 or $200. This is based off of just how bad your credit really is.

These are some of the top benefits of this card:

  • The Capital One Secured MasterCard has no annual fee. Since many secured cards charge rather high annual fees, this is a big plus for this card.
  • You do not have to pay your entire deposit at one time. Instead, you have 80 days after opening your account to do so.

The goal of opening up a secured card is often so that you can improve your credit score and eventually qualify for a card without a deposit. Some secured cards do not offer this option, but once you establish a good history with Capital One, you may qualify for a higher credit limit without being required to make an additional deposit.

Credit One Bank Unsecured Visa

The Credit One Bank Unsecured Visa is unique in that it is designed for individuals with bad credit but is not a secured card. Here are some of the perks of this card:

  • You do not have to make an initial deposit in order to get approved for this card, even if your credit score is low. With so few unsecured options out there for individuals with bad credit, the Credit One Bank Unsecured Visa is very unique.
  • The website allows you to pre-qualify, so you can get an answer in just one minute.
  • Credit One Bank offers flexible payment dates. You do not have to worry about your credit card payment being due on the same day as your mortgage, for example. Instead, you can request a certain payment date that is more suitable for you.
  • In many cases, rewards are only available on credit cards for people with good credit. However, Credit One Bank’s card is unique because it does offer one percent in cash back on gas and grocery purchases. This can really add up if you use this card for everyday use.
  • Credit One Bank reports payment history to all three credit bureaus, so you can build your score by making payments on time.
  • You may be able to score a credit line increase after establishing a good payment history.

Milestone Gold MasterCard

No list of credit cards for people with bad credit would be complete without the Milestone Gold MasterCard. These are a few perks of this popular card:

  • Even some bad credit credit cards are not an option for people with a previous bankruptcy, but Milestone Gold MasterCard does approve applications for people who have filed bankruptcy in the past.
  • You can pre-qualify online without worrying about an impact on your credit score, and you can get a fast answer.
  • This credit card has free online access, making it easy for you to keep track of charges on your account and to pay your credit card payment online.

Digital Federal Credit Union Visa Platinum Secured

You do have to be a member of the Digital Federal Credit Union in order to apply for this card, but the good news is that you can do so easily; all you have to do is make a one-time donation to one of the credit union’s list of eligible charities. These are a few reasons why it might be worth it to do so and to apply for this card:

  • There is no annual fee with this card, which is uncommon among secured credit cards.
  • The interest rate on this card is relatively low, currently at 11.75% variable.
  • This card reports to all of the major credit bureaus, allowing you to rebuild your credit if you pay your credit card bill on time each and every month.
  • Unlike with many secured credit cards, you can actually earn interest on your deposit while it sits in savings. Even though the interest rates aren’t high, it is still a little something.

OpenSky Secured Credit Visa

As yet another secured credit card, the OpenSky Secured Credit Visa is easier to obtain than many of the other bad credit credit cards. These are a few perks of this card:

  • Even many secured credit cards require you to have a bank account. This is not a requirement for the OpenSKy card.
  • OpenSky does not perform a credit check at all, so you do not have to worry about being denied because of anything on your credit report, and you do not have to worry about a “hard pull” making your score go down.
  • If you would like a card with a higher credit limit, such as one that you can use while you are traveling, the OpenSky card is a good choice. You can start your account with a deposit of anywhere from $200 to $3,000, but once you have the card, you can increase your limit to $5,000 at any time. Since many secured cards come with rather low limits, even when secured by your deposit, this can be a good thing for those who need a little more spending power.
  • OpenSky reports to all three major credit bureaus, making it possible for you to build your score up fast.

It’s true that it can be challenging to find a credit card when you have bad credit, but you shouldn’t give up on getting a card. First, you may want to apply for an unsecured option, which will not require you to put down a deposit. However, even if you do need to put down a deposit, a secured card can help you achieve your goal of rebuilding your credit while also allowing you to enjoy the benefits of a credit card, such as using it to pay for things when you are traveling. If you check out these top five credit cards for poor credit, you’re sure to find one that is right for you

Top 5 Credit Cards for Cash Back

The best cashback credit cards on the market are akin to a side job. If you do it right, you can earn cash on the side in substantial numbers. What’s so amazing about cash back credit cards is you don’t have to do much of anything to earn cash back other than shop. Consumers are good at that, so it shouldn’t be too hard to earn ample cash back throughout the year.

The best way to use a cash back card is to make all your purchases with the card each month. Pay your bills, buy your gas, charge your groceries, and use the cash you normally use on those expenses to pay your credit card off in full each month. The more you spend, the more you earn, and these 5 cash back credit cards are among the best in the business.

Capital One Quicksilver Cash Rewards Credit Card

What makes this card such a great cash back card is the rate it offers for each purchase. All purchases earn you 1.5% cash back. There are no limits to how much you can earn, how much you can spend and still take advantage of this offer, and you can redeem your cash back in a way that works best for you. It’s one of the best cards to use if you don’t enjoy a rotating rewards category each quarter, and the rest of the perks are substantial.

  • Spend $500 in three months and earn $100 cash bonus
  • Redeem cash back for gift cards, statement credits, cash, bank deposits into checking or savings
  • No penalty APR
  • No annual fees
  • No foreign transaction fees
  • Visa Signature benefits
  • Travel upgrades
  • Preferred seating at concerts and sporting events

Anyone who carries this card is able to access the Capital One Credit Wise Credit Tracker each month to view activity on their credit report both positive and negative, see how they can improve their credit, and see how much everything is affecting your credit.

Blue Cash Preferred Card by American Express

This is one of the best cash back cards on the market because of the earning potential in the revolving categories. There are some spending limits, but the cash back to that point is so high it makes up for it for many consumers.

  • Earn 6% cash back on all supermarket purchases up to $6,000 per year
  • Earn 3% cash back on all gas purchases with no spending limit
  • Earn 3% cash back on all department store purchases with no spending limit
  • Earn 1% cash back on all other purchases
  • Earn $150 statement credit if you spend $1,000 in the first three months you open your account
  • Earn 5% cash back on all travel purchases for six months
  • All cash back is redeemable in the form of a statement credit
  • $95 annual fee
  • 7% foreign transaction fee
  • Amex return policy

Chase Freedom Unlimited

This Chase card is accepted anywhere Visa is accepted, and it comes with the perks of being a Visa Signature cardholder. You’ll get priority seating at events, concierge services, and other benefits no one else gets without a Visa card. The cash back bonuses are great, too.

  • Earn $150 cash bonus when you spend $500 within three months of activating your card
  • Earn 1.5% cash back on all purchases without any limits or thresholds
  • No APR for 15 months from the date your account is open on balance transfers or purchases
  • No annual fee
  • 3% foreign transaction fee
  • Balance transfer fees are the greater of $10 or 5% of the balance
  • Purchase protection
  • Price protection
  • Redeem points at any time for cash back, statement credits, gift cards, purchases made through Chase’s shopping portal, or bank account deposits into checking or savings.

Blue Cash Everyday Card from American Express

American Express offers some of the most comprehensive cash back cards on the market, and this card is no exception. The biggest perk of the Blue Cash Everyday Card is the sign-up bonus and extra methods for earning cash back. Anyone who obtains this card can earn $100 statement credit by spending $1,000 in three months. The other perks add up to even more cash back.

  • Earn 5% on travel purchases for 6 months
  • Earn 3% cash back on supermarket purchases up to $6,000 per year
  • Earn 2% cash back on all gas station purchases
  • Earn 2% cash back on all department store purchases
  • Earn 1% cash back on every other purchase
  • Redeem cash back in $25 increments as often as you’d like for statement credits
  • No APR for 1 full year
  • No annual fee
  • 7% foreign transaction fee
  • Amex Return Protection

Discover it

What consumers love most about this card is the double cash back for one full year. Anyone approved for the Discover it card is going to earn a cash back bonus at the end of the year in the amount of the cash back they already earned throughout the year. it’s double cash back for one full year, which is always welcome.

  • Earn 5% cash back on rotating categories every three months up to $1,500 each quarter
  • Earn 1% cash back on all other purchases
  • Double cash back for one year
  • Cash back can be redeemed as a statement credit, bank account deposits into savings or checking accounts, Amazon purchases, or checks in the mail
  • No interest on all purchases and balance transfers for a full year
  • No annual fee
  • No foreign transaction fees
  • Discover Freeze It feature

The freeze it feature is the best thing to come out of this card. Discover wants their customers to spend comfortably and safely, which allows you to turn off any features you want at the touch of a button. If you are traveling and cannot find your card, log on to your account and turn the card’s purchase feature off. While it’s off, no new purchases can be made. If you get back to your hotel room and find the card in the pocket of the pants you thought you’d wear that day, you can log back onto your app and turn your purchase feature back on and carry on with your purchases as usual.

Each of these cash back cards is designed to help you earn cash back throughout the year. Each card has the ability to offer you serious cash back if you charge everything and pay it off in full each month. A cardholder who spends $6,000 per month in expenses and other purchases and pays it off has the option to earn $60 per month cash back on a card that only earns 1% cash back. Add bonus categories and cards with 1.5% cash back as well as signing bonuses, and you’re going to rake in the big bucks using your card. If you save your redemptions for the end of the year, you might be able to pay for a significant portion of your Christmas shopping and save money in the process!

Cable And Internet Providers Offer New Technologies To The Public

Did you know you can access some serious savings on all the latest cable and internet technologies – just by knowing where to look?

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With today’s fast-paced cable and internet landscape, service providers are more motivated than ever to be the first to bring new technologies to new customers. And to make this happen, they’re willing to offer incredible features like exclusive sports packages, and mobile television access, at huge discounts.

Why? Cable and internet companies know how easy it is for busy customers like you to get stuck in a rut when it comes to their service provider.

That’s why they’re going out of their way to bring you exceptional deals on all your favorite television shows, alongside top-speed internet services and the convenience of DVR – just for switching companies.

Maybe you’ve heard someone at work talking about what a great deal she just got on her Wi-Fi hotspot service. Or perhaps one of your friends has recently moved, and he can’t stop boasting about how much he saved on his HBO and Showtime premium cable package.

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Want to get in on the savings like everybody else?

It’s true that the biggest discounts aren’t always advertised, but that doesn’t mean they’re hard to track down – if you know where to go. The fact is that many people are stunned when they learn how easy it is to find the best deals on the latest cable and internet technology.

Pay Less for Cable and Internet

Bargain-hunting experts know that to get discounts on the cable and internet services they want, they have to take advantage of special online sites – sites that are dedicated to bringing great deals to subscribers who want to pay less.

With so much that’s new to offer, cable and internet providers are furiously competitive. And that means there’s never been a better time to pocket incredible savings on everything from connection speed upgrades to exclusive cable bundles.

Find Cable and Internet Deals Online

No matter what your budget is, and no matter what you’ve paid in the past, there’s a cable and internet deal online that might just be perfect for you. If you want the premium services and bundled extras that everyone else is getting in on, finding them couldn’t be easier.

Want to save big on the latest technology? Click here to find great cable and internet deals!

Unsold Inventory Requires Dealers To Offer Deep Discounts On New Cars

Have you ever driven away from a car dealer in your newly purchased car and thought to yourself “did I just get taken advantage of?  Is it possible I could’ve gotten a better deal?”  I know I have.

car dealer lowres

Car dealerships are notoriously good negotiators and sometimes it can leave even a self-proclaimed ‘skilled negotiator’ feeling a little deflated.  What if I were to tell you that there is a way to get the car of your dreams at it’s TRUE price?  It’s “true price” meaning the best price available….does that sound like something you might be interested in?

I’m going to let you in on a little secret….it’s actually a two-part secret.  The first part is that you’ve probably overpaid for at least one car in your lifetime.  The second part is that there are ways that you can ensure that you’ve gotten the best price available; a deal that you probably wouldn’t have received had you not read this post first.

I know what you’re thinking “this is probably just a regurgitation of tips I’ve heard before…” Hear me out and see for yourself.  I think you’ll be pleasantly surprised.

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I want you to abandon all the previous advice you’ve ever received about buying a car.  As soon as your friends and family learn that you’re in the market for a new car, I’m sure they line up to start piling on advice.

Things like “never give a number first…always act like you’re not interested…don’t be afraid to walk away…” Now, I’m not saying that this isn’t good advice but let’s be honest with ourselves, buying a car isn’t a ‘one size fits all’ endeavor.  There are a number of variables that come into play that could make your car buying experience much different than theirs.

Finally…A “NEW” Way To Shop For Cars

With the advancement of the internet, people just like you now have access to the “tips and tricks” of car buying that were normally reserved to knowledgeable and skilled shoppers; great savings may just be a few clicks away.

Simply walking into a car dealership isn’t the best way to score deep discounts on new cars anymore.  The internet has paved the way for huge savings on the same inventory that is being sold in dealerships.

What could possibly be better than saving money from the comfort of your home without having to deal with pushy and sometimes aggressive sales people?

Search now and see what type of amazing car deals await you!

Top 4 Sedans Available Right Now

The four best sedans of 2017 are the Honda Fit, the Honda Accord, the Honda Accord Hybrid, and the Chevrolet Impala. The Honda Fit has a 9.4 rating, the Honda Accord a 9.3 and a 4.5 rating, the Honda Accord Hybrid a 9.5 and a 4.4 rating, and the Chevrolet Impala a 9.1 and an overall 5-star rating. The MSRPs are respectively $17,525, $23,006, $30,440, and $27,300.

The 2017 Honda Fit

This subcompact car is built to combine fashion with function. While large enough to hold even a kayak, its aerodynamic profile enhances fuel efficiency. Its dimensions are 160 in. long, 67 wide, and 60 high, and it seats 5 with adequate head- and leg-room. Plus, it is designed to maximize the utility and size of the space and so can accommodate much stuff despite its small cabin size. The rear seats can be brought right behind the front seats, their bottom can be flipped up, and the bench can be folded onto the floor – cargo permitting.

Other features include headlights that turn on automatically in the dark, Eco-Assist coaching bars (which tell you how efficiently you are driving), and illuminated door sill trim. This last spiffs up the interior and simultaneously protects your car from scuff marks. The car also has Bluetooth Streaming audio and a 180-Watt, 6-speaker audio system. Then, there is keyless ignition, Honda LaneWatch, connected audio, and Smart Entry features.

The 2017 Honda Accord

At 190-193 in. long, 73 in. wide, and 57-58 in. high, this car is comfortably spacious, even for adults, and well-equipped with features. For instance, it has a new collection of safety features. Also, there are a variety of ways to personalize your vehicle. Designed with the highest technology, it has auto delay off headlamps that sense low-light, child seat anchors, daytime running lights, an engine immobilizer, front and rear head airbags, front fog/driving lights, a pre-collision safety system, and a remote anti-theft alarm system. Plus, it has stability control, tire pressure monitoring, traction control, 4-wheel ABS, emergency braking assist, airbags that turn off without a passenger in the seat, rear center 3-point belts, child safety locks for the rear doors, and turn signal mirrors, as well as ventilated front disc/solid rear disc brakes. The transmission is continuously variable-speed automatic, the engine is a hybrid, and the gas mileage is 47-49 mpg.

Customers say the handling on turns is reassuring and enjoy the increased power of the engine, and the improved fuel economy, but they complain about the touchscreen interface, the absence of a fold-down rear seat and of a rear-seat pass-through. The collision warning system is also irritating, and adaptive cruise control leaves much to be desired in the way of maintaining or regaining speed.

The 2017 Honda Accord is very stylish. Blue accent lighting crosses the grill, connecting the blue daytime running lights, increasing the amount of attention other drivers give to the car. Then, there are numerous ways to personalize your car and add features to make it yet more stylish and appealing.

The 2017 Honda Accord Hybrid

194 in. long, 73 in. wide, and 58 in. tall, this car has a clean, attractive design and, like the Honda Accord, can be customized further with Honda Genuine Accessories. The interior is leather with wood-grain appointments, and it is altogether a solid car.

In keeping with a tech-filled cockpit, this car, too, has a keyless ignition. One handy feature is the wireless phone charger, which is easy to access and to use. There is also Apple CarPlay, Android Auto, Lanewatch, and the HondaSensing safety suite (i.e. lane-keep assist, adaptive cruise control, road-departure mitigation and so on).

As for the negative points of this car, drivers have commented that the Accord Hybrid felt heavy towards the rear on turns, that the weight transfer could be felt through the seat. Then, the springs should be stiffer – though the MacPherson strut suspension in front, in addition to the multi-link rear, kept the body roll very low. As in the 2014 model, the steering is properly responsive and the brake blending impressive – even upgraded. You see, the Honda increased the amount of regenerative braking that the improved powertrain can handle. The Intelligent Power Unit and the Power Control Unit has been made lighter and smaller. The motors are dreamy, and Honda has added an exhaust heat recovery heating system to improve the efficiency even further.

The 2017 Chevrolet Impala

This car has something for everyone. One especially delightful feature is 4G LTE Wi-Fi, which allows access to high-speed internet connectivity. Add that to that Chevrolet MyLink, a touch-screen display, and you can send and receive texts and emails, play music, download files, and more. Additionally, you can connect up to seven devices, while getting a more powerful connection than on your smartphone, as the signal is fast and reliable. The hotspot is powered by your vehicle; while the vehicle is on, the hotspot will work, saving the battery of your mobile device.

The advanced technology and considerable safety features should give you driving confidence front, back, and sides. This car has Available Forward Collision Alert, Available Side Blind Zone Alert, 10 standard air bags, and a rear-vision camera, as well as OnStar Automatic Crash Response System standard for three months if you purchase the Guidance Plan. One driver remarked that this car balanced aggressive performance and intelligent engine efficiency perfectly.

With this car, the Chevrolet Complete Care plan guarantees two maintenance visits (oil change, tire rotations, 27-point inspection, etc.), 5 years or 60,000 mi. Of 24-hour roadside assistance and courtesy transportation, 5 years of the standard OnStar Basic Plan, and 3 months of the OnStar Guidance Plan.

 

Top 4 Pickup Trucks Available Right Now

Decades ago, pickup trucks were only used by farmers, tradesmen, and commercially-oriented operators. In a ploy to increase sales and counter the SUV’s immense popularity, pickup truck manufacturers added more amenities and tech features, making the once rugged utility vehicles luxurious enough for daily use.

Their efforts paid off because, in the last decade, pickup trucks have risen to become the top-selling vehicles in the USA. However, the car-like feel and SUV-rivalling interiors are inadequate without performance, practicality, and reliability. The manufacturers are aware of this and so year after year, they strive to outdo each other in the production of new models — and the improvement of existing ones.

Needless to say, the constant growth and revolutions in the pickup truck segment can be confusing to even the most seasoned user. Therefore, we have selected four of the most dependable pickup trucks, from the compact, light duty, and heavy duty categories, with particular consideration to value, dependability, and versatility.

Compact Category

The compact trucks are small and offer the best value to consumers with occasional hauling or towing needs.

2016 Chevrolet Colorado

The 2016 Chevrolet Colorado is arguably the best compact-sized pickup truck in the market. Its offers the ride and interior amenities of a luxury crossover without sacrificing its ability to handle the demands of work. Equipped with features that most trucks in its class can only dream of, it offers a rather choppy ride, as befitting a pickup, and highly responsive handling.

The Colorado offers an array of three versatile engines: A vigorous 4-cylinder, a capable V6, and the only diesel in the class. The standard 2.5-liter I-4 engine is good for 200 hp and 191 lb-ft of torque and can tow up to 3500 pounds. The engine is fitted with either manual or automatic transmission and EPA fuel estimates shows that a gallon of fuel is sufficient for 20 miles in the city and 27 miles on the highway.

The optional 3.6-liter V-6 cranks out 305 hp and 269 lb-ft of torque and tows a maximum of 7000 pounds. It is backed by a highly responsive automatic transmission, and a gallon will carry you for 18 miles in the city and 26 miles on the highway. The new 181-hp “Duramax” four-cylinder diesel engine produces best-in-class 369 pound-feet of torque and hauls a respectable 7700 pounds. Fuel efficiency is estimated at 22 mpg city and 31 mpg highway.

The Chevy Colorado is available in RWD and 4WD drivetrains and can seat five adults. Featuring advanced safety features, it received an overall government safety rating of 4 stars. Its closest competitor is its more upscale sibling, the GMC Canyon, which offers almost identical capabilities with more high-end features. Regardless, the Colorado’s lowest 5-Year Cost to Own for the second year in a row reputation puts it at an advantage over its rivals.

Light Duty Category

Perhaps the most common pickup truck segment, it strikes a balance between the other two categories and offers the widest variety of vehicles.

2016 Ford F-150

Undoubtedly America’s sweetheart, two Ford F-150s are sold every minute — and for good reason. They are refined and sophisticated but still brutish and brawny enough to tackle just about anything. Step into the F-150 and you will realize just how much the truck world has revolutionized. It was redesigned in 2015 and now features an elaborate infotainment system that is intended not just to entertain and keep you connected but also to show you the way and help you park. The use of aluminum instead of steel makes the body more resilient and substantially reduces the truck’s weight.

2016 Ford F-150 is available in six trim levels: The XL, the XLT, the LARIAT, the King Ranch, the Platinum, and the Limited. It is available as a 2WD Regular Cab and 4WD Super Cab and Supercrew Cab, but only the XL and the XLT offer all three cab options.

Before the latest F-150, we could not imagine that six-cylinder engines could drive full-sized trucks. In a show of innovativeness, Ford availed the F-150 in a choice of three V6 engines. The highly popular 2.7L EcoBoost® V6 gives 325 horsepower and 375 lb-ft of torque while the high-performing 3.5L EcoBoost® V6 releases 365 hp and 420 pound-feet of torque. The model’s middle child, the 3.5L Ti-VCT V6 coughs out a respectable 282 hp and 253 lb-ft of torque whereas the most powerful 5.0L Ti-VCT V8 spits out 385 galloping horses and 387 pound-feet of torque.

Electronic 6-speed automatic transmission drives all 2016 Ford F-150 trucks, and EPA estimates place them at 16-22 mpg combined. Following a 5-star collision rating from NHTSA on every side and an IIHS Top Safety Pick for every cab configuration, the 2016 model was dubbed the safest F-150 ever. A properly equipped Regular Cab 4×2 with 5.0L V8 and Heavy Duty Payload Package can carry 3,270 lbs and tow a maximum of 12,200 pounds.

Its only con is that the MSRP is quite hefty at $39,245 to $57,240, but the truck’s durability sufficiently compliments this.

2016 Ram 1500

Although not as sought-after as its Ford counterpart, the Ram 1500 truck is just as appealing and is in itself a force to reckon with. It is available in four trims and special editions: The Tradesman, the Ram 1500 Express, the Big Horn, and the Rebel. It has received several awards and accolades for fuel economy and off-road performance. With a price range of between $27,340 and $53,860, it is better priced than the F150, ultimately offering better initial value to owners.

The current Ram 1500 truck comes with a choice of two V6 engines and one V8 engine. The entry level 3.0L EcoDiesel V6 engine makes 240 horsepower and an impressive 420 lb-ft of torque. It boasts of a Payload capacity of 1,600 pounds and tows a maximum of 9,210 pounds. Its fuel economy is ranked at 21 mpg and 29 mpg in the city and highway respectively.

Second in line is the 3.6L PENTASTAR® V6 engine that employs Variable Valve Timing (VVT) technology to produce 305 horsepower and 269 pound-feet of torque. The engine has a towing capacity of 7,610 pounds and a payload capacity of 1,880 pounds with 18/25 mpg (city/highway). Both V6 engines make use of a Torqueflite® 8 eight-speed transmission. The 395 hp 5.7 HEMI® V8 engine gives 15 city/22 highway mpg and 14 city/20 highway mpg with eight-speed and six-speed transmissions respectively. It tows a capacity of 10,650 pounds and carries a load of 1,810 pounds.

Heavy Duty Category

The trucks in this segment are mainly suited for buyers that use their trucks for hauling and towing heavy loads as opposed to those that require a truck for day to day usage.

2016 Ram 2500

Most heavy-duty pickup trucks feel like lumbering lugs and are a task to maneuver. Although the manufacturers of the Ram 2500 trucks do not eliminate this problem, they go a great way in reducing it and improving drivability. They have also managed to create the classiest interior on the market without the truck losing its beastly demeanor. They have also made the usual unladen pickup bounciness a thing of the past with the standard coil-spring rear suspension.

With over ten configurations ranging from the entry level $31,780 Tradesman to the class-topping $57,680 Power Wagon Laramie, the latest Ram 2500 ensures that shoppers are spoilt for choice.
Consumers can opt for a six-speed automatic or manual transmission and a 410-hp 6.4-liter V-8 engine; a 383-hp 5.7-liter V-8 engine; or a 6.7-liter turbodiesel inline-six engine with 350 or 370 hp, depending on transmission. Maximum towing capacity is 17,980 lb; payload is 3990 lb. Apart from the fact that it guzzles like a camel — certain trucks can travel for as little as 11 mpg — the Ram 2500 is the best heavy duty truck in the market.

 

Top 4 Crossover SUVs Available Right Now

High gas prices changed the trajectory of the SUV market among major auto manufacturers forever. Though gas prices have declined from their near-record highs during the early part of this decade, major manufacturers learned that consumers simply don’t have the appetite for a heavy, inefficient SUV that could potentially cost them a third of their take-home income at the pump.

To that end, automakers have crafted a new line of crossover SUVs, designed to blend the size and comfort of SUVs with the performance and efficiency of sedans. Though many options are available today’s buyers, four models stand out as the best of the best.

1. 2016 Nissan Murano

Since 2002, the Nissan Murano has been the Japanese car company’s flagship crossover for American buyers. In that time, the Murano has attracted a loyal following for its interior comfort, its larger amount of cargo space compared to the competition, and its sporty design. The first generation of the Murano was one of the most attractive crossovers on the market in 2002, and the car remains the best designed, non-luxury crossover today. A slightly refreshed design for the 2016 model year makes the Murano feel even more premium than its competitors.

Inside the cabin, drivers will enjoy the most comfortable seats of any crossover on the market. Other interior upgrades this year include a soft-touch dash, a redesigned rear bench seat, and the ability to choose real woodgrain accents on the high-end trim level of this model. The infotainment screen at the center of the dashboard has been upgraded to an 8-inch screen and infused with both Android Auto and CarPlay compatibility.

Climate controls have been redesigned for more intuitive use, while rear cargo space has been slightly retooled so that even more personal belongings can fit into the Murano when needed. An entry-level MSRP of $29,740 makes the Murano one of the most expensive crossovers outside the luxury market, but the interior upgrades and high level of comfort merit the higher relative pricing.

2. 2016 Kia Sportage

Kia has experienced a massive turnaround in recent years, both in terms of its cars’ overall quality and in the court of public opinion. Once rightly perceived as a risky, cut-rate, and underwhelming budget manufacturer, the company now excels in offering a powerful blend of exciting design, capable engines, and long-term durability. Backed by the longest bumper-to-bumper warranty in the industry, Kia’s vehicles also benefit from greater peace of mind than the competition’s.

For 2016, the Kia Sportage is one of the best crossover models on the market. The vehicle features a slightly refined version of the same design it’s had for the last four model years, which was already one of the best. Inside the cabin, Kia has equipped the Sportage with roomy front and rear seats, 60.7 square feet of potential cargo space, and the innovative UVO infotainment system by Microsoft. The Shortage’s infotainment system is also CarPlay-compatible as of the 2016 model year, making it a natural fit for Apple users.

Despite the company’s reputation as a budget manufacturer, the Sportage can be upgraded to the SX trim, with leather seats, soft-touch dashboard materials, a leather-wrapped steering wheel, built-in navigation, alloy wheels, and several semi-autonomous driving features. The Shortage’s starting MSRP, at $22,990, makes it one of the best values on the market.

3. 2016 Ford Escape

The Ford Escape has had a long and storied history, longer than any of the other three models on this list. The crossover has come in hybrid designs and high-end trims, has featured all kinds of powerful and fuel-sipping engines, and has gone through numerous design changes.
In 2016, the Escape has once again been rethought by Ford engineers. The car’s new design is sportier, with more chrome on the front grille and a sleeker rear design that improves both head room and cargo space. Ford’s latest version of SYNC is present inside, complete with voice control, Apple CarPlay compatibility, and navigation on upgraded models. Cabin materials are also upgraded this year, with a new fabric for seats on the entry-level and midrange trims.

The Ford Escape was once known for getting decidedly poor fuel economy, but that’s not the case with the latest iteration of Ford’s most popular crossover. This year, the Escape gets 23 miles per gallon in city driving and 32 miles on the highway. Some manufacturers struggle to make their sedans and subcompact crossovers this efficient.
Along with excellent upgrades for the high-end trim level, including blind spot monitoring, adaptive cruise control, leather seating, and upgraded wheels, the combination of features and performance makes the Escape particularly compelling. MSRP for this year’s Escape starts at $23,590, which is exceedingly affordable for a crossover of this quality.

4. 2016 Mazda CX-3

Mazda’s SUV lineup expanded this year with the introduction of the company’s first “subcompact crossover.” Named the CX-3, the car’s design is clearly inspired by the highly successful CX-5 crossover and CX-9 full-size SUV. The CX-3 is smaller in size by quite a bit, however, and is just a touch larger than the Mazda6 sedan.
Inside the cabin, familiar Mazda features await, including the redesigned MazdaConnect infotainment console and the potential for fully upgraded dashboard materials and leather seats. The mid-range Touring model adds blind spot monitoring to the mix, while all models come with a backup camera. CarPlay and Android Auto compatibility are a welcome addition, as is the built-in GPS navigation feature of the Grand Touring trim.

The benefit of a subcompact crossover in today’s marketplace is one of both cargo space and efficiency. The CX-3’s fuel economy is 29 miles per gallon in the city and 34 miles per gallon on the highway, making it among the most economical crossovers on the market. Inside, the CX-3 offers up to 44.5 square feet of cargo space, which is nearly twice the amount of space in a Mazda6 sedan. The car is also quite fun to drive, with a powerful engine that expertly manifests the “soul of a sports car” mantra of all Mazda models. Starting at $19,960, the MSRP on the CX-3 also makes it one of the most accessible crossovers on the market for first-time and value buyers.

Four Excellent Crossovers for Today’s Buyers

Crossovers are selling at record levels in 2016, driven by a combination of low gas prices, an increasingly good economy, and an upward trend in fuel economy for these larger vehicles. The quality of crossovers across the board has also increased, and these four models exemplify the best in quality, technology, and refinement for today’s buyers. Whether it’s the value-centric Kia Sportage or the high quality Nissan Murano, buyers will love what awaits them at today’s dealer lots.

Vote It Up When Signing Up for VoIP Service

VoIP stands for Voice over Internet Protocol, a standard technology for making and receiving phone calls over Internet data connections rather than traditional phone lines. Standard phones and enterprise PBX systems use analog signals sent over a wire, while a VoIP system translates communications into data. You can use a digital phone over traditional phone lines, but VoIP is data-centric and requires an Internet connection. To use VoIP, you need phone system devices hooked to an Internet broadband connection along with one or more IP-capable phones. Unlike traditional phones, data-based VoIP solutions can also be integrated with other types of software.

Vote It Up When Looking for Medical Billing and Coding Schools

Health-care providers have incredibly important and demanding jobs. Physicians have enough on their hands without needing to worry about the intricacies of applying for payment to an insurance company. And as the number of patients covered by Medicare and Medicaid increases, the need to interact with the federal government adds to the burden of seeking payment for medical services. That’s why there’s a growing demand in hospitals, clinics, and treatment centers around the country for workers trained in medical billing and medical coding. These two activities streamline the interaction between the doctor and the agency responsible for payment, and greatly increase the ease and efficiency with which health care is provided in both medical clinics and hospitals.

Vote It Up When Getting Dental Implants

Dental implants are a permanent replacement for lost teeth. Because of their many advantages over dentures or bridges, many people are interested in getting implants but have questions about the process, cost and procedure. Below are the answers to some of the most commonly asked questions about dental implants.

Vote It Up When Getting Eye Surgery

Your eyes are a very sensitive organ and need to be the given the best care. The decision to get Lasik eye surgery can be a very difficult choice to make. Lasik stands for Laser-Assisted In Situ Keratomileusis, in which a laser is used to change the shape of the cornea to improve your vision. While the surgery may be beneficial, there are many factors to consider before opting to get the surgery. The following are some questions that may help with the decision to get Lasik eye surgery:

Vote It Up When Going to Alcohol Rehab

In 2012, over 7% of Americans ages 18 and up had what is known as alcohol use disorder (AUD). Unfortunately, very few people who could benefit from alcohol rehab actually sign up for it. According to the National Institute on Alcohol Abuse and Alcoholism, 1.4 million adults sought out treatment for their addiction in 2012. This is about 8.4% of adults who need the help. Admitting that you need help for your alcohol addiction is the bravest thing that you can do. But the possibilities for alcohol rehab are practically endless. This Q & A session will answer the top 5 questions that a person who is considering entering rehab for alcohol abuse will have.

Vote It Up When Going to Drug Rehab

Making the decision to enter into a rehab center for drug abuse can be scary, as well as a life-changing experience. Rehabilitation from the nightmare of addiction opens the door to a whole new way of life and gives recovering addicts the freedom to live without the weight of the shame and immense loneliness that often accompanies the disease of addiction. Here are five of the most common questions that arise when discussing going to rehab.

Vote It Up When Getting Laser Hair Removal

Laser hair removal has been used by millions of people around the world as a hair removal treatment. The results from laser hair removal are drastically different than what you would get from manual hair removal processes such as shaving, waxing, tweezing, or using hair removal creams. All of these processes provide temporary results, in some cases requiring you to remove unwanted hair again in less than 24 hours. Laser hair removal, however, can lead to permanent hair loss in the treated area in some instances. Here are a few frequently asked questions about laser hair removal.

Vote It Up When Applying for a Reverse Mortgage

Reverse mortgages can be a very useful financial tool for older people who would like to supplement their incomes during retirement. These financial products are designed to provide access to the equity in a home without creating a new bill to be paid each month. If you’re considering a reverse mortgage, you will benefit from knowing the answers to these most commonly asked questions.

Vote It Up When Buying Accounting Software

There are many questions that must be answered in order to find and select the accounting software best suited to the needs of your business. With numerous vendors to choose from and countless applications available, purchasing an option that will provide a superior return of investment and the means to more easily and accurately record and manage finances can feel like an overwhelming undertaking. Asking yourself the following questions can help you find the right software with greater ease and success.

Vote It Up When Checking Your Credit Score

Most people understand the importance of a good credit score — and those who don’t seem to be concerned about their score will usually change their tune the first time they face higher interest rates on a car loan, home mortgage or other purchase they finance. You may be at a point where you understand the importance of your credit, but have questions relating to checking on your score. The following are five of the questions most commonly asked about checking your credit.

Vote It Up When Going To School For Medical Coding And Billing

With the job market still in recovery after the United States financial collapse of 2008, some individuals are still finding that landing a good job, that pays well, can be a difficult task. Unfortunately, having a High School diploma, GED, or even an undergraduate degree from a good university, doesn’t necessarily guarantee you a job. Possessing a certificate or diploma for in-demand jobs can help elevate your prestige amongst other job candidates. The job market for medical billing and coding is thriving – according to some estimates, the job market for the healthcare industry could grow by as much as 22% over the coming years. If you would like to pursue a career in medical billing and coding, you might want to consider enrolling in a certificate program; here are some questions you should ask:

Vote It Up When Buying a Television

You are considering buying a new television because yours has broken down or you want to upgrade to a new one. When buying a TV, it’s not just about the size and clarity. Every year, TV manufacturers are adding new features to suit the needs of users. Every manufacturer is trying to outshine others with different features. They are also producing various models to meet the needs of specific users. With all the features and model variations, finding the perfect one that will suit your needs many be a tough challenge. To make the right decisions, here are five questions to guide you.

Vote It Up When Buying a Refrigerator

Purchasing any large appliance is always a big decision, but knowing what questions to ask can help you in making the best choice for your home and family. Here are five important questions you should get answers to before buying a refrigerator:

Vote It Up When Buying a Dishwasher

Buying a new dishwasher doesn’t have to be a nerve-racking experience, but with all the latest dishwasher models and their various conveniences, capacities, and cycle options, there can be confusion and concerns as to just what machine is the best to purchase. There’s a lot to think through when it comes to buying a high-end appliance, and there are questions that should be asked to make the whole process a lot less stressful, which makes your purchase a positive experience.

Vote It Up When Buying a Washer and Dryer

Buying a new washer and dryer is an experience that’s often filled with questions. There are many new and technologically advanced models available, with a variety of new and exciting functions. Owning a washer and dryer may be a necessity, but the type chosen is based on many factors ranging from different design types and featured functions to capacity and energy-efficiency. Here are some of the most frequent questions that come up during the process of choosing the perfect washer and dryer for your needs:

Vote It Up When Buying a Home Security System

When you are thinking about purchasing a home security system, you have to consider a few things like your habits and the neighborhood where you live. If you’re apt to leave windows open for a burglar or forget to turn on the system when you leave, an alarm system would be a wasted expense. If you are careful and want to keep your home secure, there might still be a few questions you have before purchasing an alarm system.

Vote It Up When Selecting an Internet Service Provider

With the aggressive advertisements carried out by Internet Service Providers (ISPs), it’s easy to get confused and end up selecting an ISP that doesn’t actually meet your needs. Even when you take the time to do a thorough comparison of the ISPs, you may have a hard time sorting through the complex combo packages they offer. To cut through the confusion and end up with the right ISP for you, ask yourself some key questions.

Vote It Up When Buying a Laptop

When purchasing a new laptop, it is easy to be overwhelmed by the number of choices. By taking a few key questions into consideration, the selection process can be simplified into something enjoyable.

Vote It Up When Planning a Cruise

For those who have never had the pleasure of taking a cruise might be a bit daunted by what’s involved in the planning process. While you might know where you want to take your cruise, like the Caribbean or the Greek Isles, there are certain common questions you’ll want to answer as you’re planning the rest of your cruise.

Vote It Up When Booking a Flight

The process of booking a flight can be intimidating, especially for first time flyers. By engaging in a little planning, you can secure that coveted window seat with extra leg room. Below are some questions that may be helpful to you as you prepare to book your flight.

Vote It Up When Booking a Hotel Room

With the plethora of information available today via the internet, trying to decide where and with which hotel to book can be quite overwhelming. Travelers must research and compare many options before selecting accommodations. After looking at so many options and the wide range of amenities they each offer, it’s easy to forget a few basic considerations. Below are five questions many people find worth asking before making a reservation.

Vote It Up When Leasing a Car

When it is time to get a new set of wheels, there are many options on the market. Leasing a car is an alternative to buying, and is great for people who want to drive a brand new car every few years. Leasing also allows drivers to obtain more high-end cars without incurring long payments over several years. Whether you are buying a brand new family car or a luxury sports sedan, leasing is a viable option that allows you to enjoy the car you deserve.

Vote It Up When Living With Diabetes

According to a report issued by the Centers for Disease Control and Prevention, there are more than 29 million people who have diabetes, a figure that has drastically increased from the 2010 estimate of 26 million. One in three adults in the United States has pre-diabetes, a condition where blood sugar levels are higher than normal but not high enough to be considered as type 2 diabetes. Here are 5 helpful questions to ask when you or someone you love may be living with diabetes:

Vote It Up When Selling a Car

Selling a car privately is a fairly simply process, but it is one with legal requirements that must be followed in order to protect both buyer and seller. Always go along on the test drive and never invite strangers into your home. Meet potential buyers in a public place whenever possible and always have someone with you when showing the car.

Vote It Up When Buying a Truck

Buying a new truck is a big step, but it should also be one of the most fun and exciting purchases you ever make. Knowing the answers to some of the most common questions about choosing your new ride can relieve the stress of not knowing and help you simply enjoy committing to that new truck purchase.

Vote It Up When Living With Depression

Depression is a disease that affects millions of people every day. One of the most difficult factors of living with depression is that most people feel as though they are all alone in their depression. They assume that no one understands their pain and suffering. The more we talk about this disease, the better our chances are of fighting it.

Vote It Up When Applying for a Credit Card

Getting your first credit card can be an exciting experience if you know what you are doing. The freedom that the right credit card can give you is what connects people to their dreams. As a financial tool, a credit card is the best way to build a good reputation with lenders. Here are some of the most common and important questions you should ask when you are applying for a credit card.

Vote It Up When Opening a Savings Account

Opening a savings account can seem difficult, especially if it’s your first. With changing regulations that vary by bank, everyone has questions about how to deposit money and begin to accrue interest. We’re here to help you simplify the process and make opening a savings account easy. Our members have voted these questions among the most valuable when it comes to understanding your savings account.

Vote It Up When Signing Up for a Cell Phone Plan

Cell phone plans come in various packages depending on what you want your cell phone to do for you. The complicated plans include talk, text and data packages ranging from a low 1GB of data to unlimited talk, text and data plans. The simpler cell phone plans offer only talk and text options. The most helpful questions to ask when looking at cell phone plans are:

Vote It Up When Getting Your GED

In today’s job market, there are more job openings than you may think. However, there is a phenomenon known as the education gap that is preventing a surprising percentage of jobs from being filled. If you want a shot at one of those available positions, you need an education – and the first step in getting an education is obtaining your GED. Here are the 5 most helpful questions you should ask yourself before taking this important step in life:

Vote It Up When Renting a House or Apartment

In today’s economy, more and more people are putting off home ownership. Renting comes with its own concerns, and whether you’re a seasoned renter or looking for your first place, here are five questions to ask before renting a house or apartment:

Vote It Up When Buying a Car

When buying a car, there are several things to consider before taking the plunge and driving it off the lot. Below are five questions and answers our members have voted most likely to help you make the right decision before buying a new car.