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Credit Cards

7 of the Worst Car Buying Mistakes You Can Make

January 27, 2023 by Brett Tams

A vehicle is a big purchase that often involves a loan, so getting it wrong can be an expensive mistake.
Posted in: Credit Cards Tagged: 2, 2021, 2022, 2023, affordable, ask, Bank, before, best deals, big, borrowing, Broker, Budget, Buy, Buying, buying a car, buying a new car, car, car buying, car loan, car shopping, Consumers, cost, couple, Credit, credit union, data, Deals, driving, expensive, Extra Money, Fees, Financial Wize, FinancialWize, financing, good, great, home, inspection, Insurance, insurance broker, items, Live, loan, LOWER, Make, making, market, Medicare, Michigan, mistake, Mistakes, money, More, negotiating, new, offer, offers, Other, points, Purchase, rate, Rates, Research, Review, sales, save, Save Money, seller, shopping, states, Style, survey, tax, time, timing, trust, used car, vehicles, will, woman, workers, wrong

Chase IHG Rewards Premier Card 175,000 Points Signup Bonus

January 27, 2023 by Brett Tams

Chase IHG Rewards Premier Club Card is currently offering a sign up bonus of 175,000 points after $3,000 in spend

Posted in: Apartment Communities, Credit Cards Tagged: 2, 2023, ad, All, big, bonus, bonuses, business, chase, chase 5/24, chase ihg, cost, Credit, credit card, credit card bonuses, credit cards, data, dining, entry, Financial Wize, FinancialWize, gas, ihg, list, Make, More, new, offer, Other, Personal, platinum, points, products, Purchase, Rates, reward, rewards, signup bonus, Travel

How to Create a Realistic Retirement Budget

January 27, 2023 by Brett Tams

Retirement can mean a big change in your cash flow. Here’s how to stay on top of your budget.
Posted in: Credit Cards Tagged: 2021, 2022, 2023, 401(k)s, 401k, advice, All, annuity, Arkansas, Bank, Benefits, big, bills, bonuses, bucket, bucket list, Budget, Budgeting, business, car, Car Insurance, city, collecting, cost, couple, Credit, credit card, data, decades, dining, dining out, Discounts, discover, diversify, diversity, downsizing, earning, employer, estate, expectations, expenses, Family, finances, Financial Goals, Financial Wize, FinancialWize, fixed income, Florida, food, front, frugal, fun, funds, gas, gig, goals, gold, good, great, groceries, gym, happy retirement, health, Health care, Health Insurance, holiday, holiday spending, home, home repairs, Housing, housing costs, How To, Income, income level, income tax, Insurance, insurance premiums, investment, IRA, IRAs, items, job, Life, Lifestyle, list, Live, living expenses, Local, low, low-income, Make, married, math, Medical, Medicare, Medicare part B, money, monthly budget, monthly expenses, More, more money, Mortgage, Move, needs, new, new york, new york city, office, Other, paycheck, pension, plan, planner, Planning, Popular, property, property taxes, rate, Rates, Rent, Research, retire early, retirees, retirement, retirement account, retirement accounts, Retirement Income, retirement plan, Retirement Planning, retirement plans, retirement savings, roommate, rural, save, Save Money, Saving, Saving for Retirement, saving money, savings, security, Seniors, side gig, smart, social security, social security benefits, Spending, stage, states, stock, story, Style, subscriptions, tax, tax rates, taxes, time, tips, traditional, Travel, utilities, vacation, wages, Ways to Save, will, woman, work, workers, working, working from home

[Targeted] Apple Card: Add Joint-User & Get $100

January 27, 2023 by Brett Tams

Apple card is sending out a targeted email offer of $100 cash bonus with $100 spend when you add an authorized user

Posted in: Apartment Communities, Credit Cards Tagged: 2023, apple, apple card, authorized user, Benefits, bonus, build, build credit, cash bonus, chase, Credit, credit cards, credit limit, Credit Report, Family, Financial Wize, FinancialWize, making, offer, spouse, time, trust

Are Appliance Extended Warranties Worth It?

January 26, 2023 by Brett Tams

Learn the differences among the types of warranties and what makes them worth the extra cash.
Posted in: Credit Cards Tagged: 2, 2016, 2021, 2022, aging, All, Alternatives, appliances, ask, Banking, basic, Benefits, best buy, Built, Buy, company, Consumer Affairs, cost, Credit, credit card, credit cards, data, existing, expense, Fall, Fees, Financial Wize, FinancialWize, food, fund, great, home, home depot, home warranty, homeowners, house, household, Insurance, interest, Learn, learned, list, Local, Main, maintenance, model, money, More, Mortgage, most popular, needs, new, offer, offers, Original, plan, platinum, Popular, premium, preventative, protect, protection, Purchase, questions, rainy day fund, ready, Research, right, save, savings, Savings Account, Sell, selling, shopping, Spring, stocks, story, Style, summer, tax, time, Travel, under, Video, warranty, washing, will, woman, workers, young

How to cancel a credit card (without killing your credit score)

January 26, 2023 by Brett Tams

I have a credit card I’d like to cancel, but I don’t know if I should. I’m afraid it’ll hurt my credit score. Today I’m going to walk you through in real time as I evaluate this decision. Then I’m going to explain how to cancel a credit card, no matter why you want to do so.

I normally don’t pay much attention to my credit score. I know that it ranges between 800 and 820, so I don’t worry about it. With a score like that, I’m considered to have “exceptional credit”, and that’s good enough for me. (Kim’s very proud that she has a higher credit score than I do, by the way.)

That said, for the past several years I’ve been carrying a credit card that I don’t want or need. It’s a Chase British Airways card that I signed up for in 2011. It’s a fine card, but I never use it because I have better ones. My primary credit card right now is the Chase Sapphire Reserve, which I use for 99% of my personal credit transactions.

Basically, I’m paying $75 per year — the British Airways card’s annual fee — for nothing…except to maintain my credit score. I don’t like it. I’d rather cancel the card and take a temporary hit to my credit. But is it bad to cancel a credit card? And if it’s bad, how bad is it?

I’ve decided to document the process! Let’s find out together.

Posted in: Credit Cards, VA Loans Tagged: action, All, author, Auto, Auto Loans, balance, banks, before, big, bills, british airways, build, building, Building Credit, business, capital one, chase, chase british airways, chase sapphire, chase sapphire reserve, clear, closing, Collections, company, Credit, credit card, credit card account, credit card company, credit cards, credit history, credit limit, Credit Report, credit score, credit utilization, data, Debt, decision, diversity, exercise, Fees, fico, fico score, Financial Wize, FinancialWize, free credit score, General, good, great, green, history, horror stories, How To, identity theft, impact, interest, interest rates, journey, Learn, lenders, loan, Loans, low, Make, making, Manage Money, market, mistake, model, money, More, Move, nerdwallet, new, new credit cards, offer, oldest, Opinion, Personal, plan, points, Popular, present, programs, Rates, ready, Revenue, rewards, Rewards Programs, right, sales, save, second, simple, single, smart, Spending, the balance, theft, time, title, tools, trends, VantageScore, will

[Targeted] Discover Card: Get 5% Back on Walmart, Up to $1,500 in Purchases

January 26, 2023 by Brett Tams

Discover is offering some cardholders an additional 4% cash back (5% cash back totaling) on up to $1,500 purchases until 3/31/23

Posted in: Apartment Communities, Credit Cards Tagged: 2023, cash back, credit cards, data, discover, Financial Wize, FinancialWize, offer, Spending, spending bonuses, walmart

[Update: 1099] How To Get The $695 Annual Fee Waived On Morgan Stanley American Express Platinum Card (Platinum CashPlus Bank Account)

January 26, 2023 by Brett Tams

You can get a $550 credit to offset the annual fee on the American Express Platinum Morgan Stanley card if you have open a Morgan Stanley Platinum CashPlus deposit account and maintain $25,000 average balance and have $5,000 deposited to the account each month. 

Posted in: Apartment Communities, Bank Accounts, Credit Cards Tagged: 1099, 2, 2016, 2022, action, ad, american express, American Express Morgan Stanley Platinum, american express platinum, American Express Platinum Card, authorized user, balance, Bank, bank account, bank accounts, basic, before, Benefits, big, bonus, brokerage, brokerage firms, business, clear, cost, Credit, credit cards, data, debit cards, deposit, disclosure, engagement, environment, existing, FDIC, fidelity, Financial Wize, FinancialWize, fund, funds, goal, good, great, How To, impact, Investing, investment, investments, learned, maintenance, money, More, Morgan Stanley, new, offer, offers, Original, Other, platinum, points, Rates, risk, savings, Schwab, security, signup bonus, social security, tax, update, updates, waiver, will, work

14 Things That Are Free With Medicare

January 25, 2023 by Brett Tams

Use these Medicare freebies to save you money and prevent costly health problems.
Posted in: Credit Cards Tagged: 2, 2021, 2022, 2023, advice, All, app, assessment, basics, beneficiaries, Benefits, cost, couple, covid, COVID-19, COVID-19 vaccine, data, Deductible, Disability, Family, Financial Wize, FinancialWize, flu, Freebies, funds, government, health, Health care, Health Insurance, healthy, helpful, history, Insurance, insurance coverage, internet, jobs, Lifestyle, list, Local, low, Main, Make, Medicaid, Medical, Medicare, Medicare Part A, Medicare part B, mental health, money, More, offer, office, Offices, Original, Other, payroll taxes, plan, policies, premium, prescriptions, pressure, programs, protect, questions, referrals, Review, risk, routine, save, search, spouse, states, Style, taxes, tips, update, wellness, will, woman, work, workers, working

American Express Business Green Card No Longer Waives First Annual Fee

January 25, 2023 by Brett Tams

The American Express Business Green card has a $95 annual fee. The fee used to be waived for the first year, but that’s now changed and the $95 is no longer showing as waived at signup. Referral links are still showing the first year waiver. Let’s hope that lasts. Hat tip to Parts_Unknown-

Posted in: Apartment Communities, Credit Cards Tagged: american express, business, business green, credit cards, Financial Wize, FinancialWize, green, waiver
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