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Apache is functioning normally

May 29, 2023 by Brett Tams

Incenter Diligence Solutions, a provider of due diligence and document management services for the mortgage industry, announced on Wednesday that it has expanded offerings for the mortgage servicing rights (MSR) trading market.

These new offerings complement the trading services provided by Incenter Mortgage Advisors, which is another member of the Incenter LLC family of companies focused on improving mortgage operations.

“In an active trading market, participants must be able to quickly identify and manage their short-term and long-term risks so that they can transfer assets with agility and seize new revenue opportunities,” said Pamela Hamrick, president of Incenter Diligence Solutions. “Incenter Diligence is streamlining obstacle-ridden diligence processes without making them cookie-cutter. We are customizing each engagement to address the unique goals, strategies, and best-execution practices of every client.”

Incenter Diligence’s due diligence team creates a tailored review scope for each buyer or seller based on factors such as seasoning, geography, performance, and other key portfolio attributes. The firm also offers individualized reporting and document delivery services.

These services encompass various MSR-related tasks, including acquisition reviews, data to document validation, compliance reviews, document inventory, trailing document reconciliation, servicing boarding audits, and pay history reviews.

In situations where loan servicing institutions are selling the servicing rights to thousands of loans at once, it becomes crucial to identify any potential issues that could affect the long-term collectability of these assets. Incenter Diligence addresses this need through its document management solutions, which involve scanning and automated data extraction using advanced technology.

This process allows for the rapid ingestion of all loan files, scraping critical data from the documents, and identifying discrepancies and omissions.

“Buyers and sellers need a diligence firm that can customize reporting in a timely manner. Sellers also benefit from a system for maintaining data consistency to ensure that they have all the elements regulators require—for CCAR purposes, for example. Our clients consider Incenter Diligence an invaluable partner in both these areas,” Tom Piercy, managing director of Incenter Mortgage Advisors, said.

Additionally, Incenter Diligence aims to enhance sellers’ visibility into their assets by transforming “information blobs” that contain hundreds of pages of variously formatted loan documents into one clearly indexed, easy-to-search resource in a single format.

Incenter Diligence Solutions provides due diligence and document management services for the mortgage industry, enabling originators and investors to streamline operations, reduce risks, and capitalize on growth opportunities with speed and agility. The firm specializes in supporting the MSR trading ecosystem and tailors its review scope and document delivery services to clients’ unique requirements.

This content was generated using AI, and was edited and fact-checked by HousingWire’s editors.

Source: housingwire.com

Apache is functioning normally

May 28, 2023 by Brett Tams

In today’s modern world, the house goals of yesteryear are a distant memory.

Long gone are the days of window shutters, oversized crystal chandeliers, multiple small rooms, intricate designs, wrought-iron railings, small windows, and large porches with overhanging beams.

Modern mansions favor simple and clean designs with open spaces.

While traditional mansions offer intricate and elegant details, today’s luxury homes feature straight lines, geometric shapes, a flat or low-sloped roof, and clean exteriors with little to no texture.

Luxurious homes of the past featured building materials such as brick, wood, plaster, stucco, and stone. Meanwhile, contemporary mansions favor newer, more technologically-advanced building materials including reinforced steel and concrete.

And windows, lots and lots of floor-to-ceiling windows.

Sophisticated smart homes are all the rage, as are connected outdoor spaces, white rooms and simple color palettes, open floor plans, glass walls allowing for ample natural light, green features, security settings, and the utmost privacy.

While traditional mansions typically featured a number of small, single-purpose rooms, modern floor plans include seamless open-ended spaces.

After all, one cannot be confined to small spaces while living that luxurious lifestyle!

A closer look at 18 of our favorite modern mansions

When it comes to stunning estates, we’ve got you covered.

From wraparound pools featuring panoramic views to glass walls for days, to dream chef kitchens, to seamless indoor-outdoor living spaces, we’re taking a look at 18 modern mansions that have knocked our socks off.

And we think you’ll (really, really) like them too.

A Marc Whipple-designed modern mansion with a wraparound pool

Offering six bedrooms, seven bathrooms, and two half baths, the multi-million dollar manse features disappearing walls of glass, so that its residents can enjoy the stunning views from each and every room.

Speaking of views, they’re completely unobstructed, with downtown Los Angeles, Catalina Island, and the coastline on full display. Those lovely landscapes can be seen from the home’s stunning wraparound pool.

Other luxurious amenities include a movie theater, a secret Zen garden, gym, guest house, glass wine cellar, gated driveway, and an outdoor kitchen.

^{Photo by Tyler Hogan, courtesy of Sally Forster Jones of Compass}

This Beverly Hills manse had its moment of fame a few years back, when it was rented by Rockstar hitmaker Post Malone. It was later listed for sale with a whopping $26 million asking price.

A breathtaking Hollywood mega mansion with museum-quality energy crystals throughout

Built in 2021, this mega mansion is located in the heart of Hollywood.

Boasting panoramic views of downtown Los Angeles, the Pacific Ocean, and the canyon, the home offers six beds, nine baths, and nearly 10,365 square feet of living space.

modern mansion built on spec in Hollywood — ^{Photo credit: Sean Gordon courtesy of The Agency}

The sophisticated smart home features museum-quality crystals sourced from around the world and placed with extraordinary care throughout to energetically enhance the residence.

Offering double-height ceilings and incredible indoor/ outdoor living spaces, the California compound also includes a custom home theater, fitness center, wine cellar, second living room and all the finest custom finishes.

^{Photo credit: Sean Gordon courtesy of The Agency}

indoor-outdoor-living-modern-mansion-1871-N-Stanley-Avenue-Los-Angeles — ^{Photo credit: Sean Gordon courtesy of The Agency}

Setting a new gold standard for Southern California living, the picturesque backyard — which is front row to the city and canyons — features a beautiful sparkling pool/spa, a built-in BBQ area, and a grassy green lawn.

See more of this unique Hollywood mega-mansion here.

A striking $150M modern mansion in Bel-Air with 360-degree views

This beautiful home in Bel-Air has all the bells and whistles you’d expect in a modern mansion (and then some).

a modern mansion with city views is the most expensive house in Bel Air, California — ^{Photo credit: Matthew Momberge courtesy of Compass}

Designed by award-winning architecture and design firm, Saota, the private compound is perched on a promontory high above the city — opening up to unobstructed, 360-degree views of Los Angeles.

Set on a 1.15-acre lot, the swanky crib offers nine bedrooms and fourteen baths spread across 20,841 square feet.

Some of the luxury amenities include an infinity pool with a secluded cabana and pool-side sunken fire pit, three separate staff quarters, and a one-bedroom guest house with a separate, private pool.

^{Photo credit: Matthew Momberge courtesy of Compass}

This magnificent manse was owned by George Ruan, co-founder of online coupon-clipping company Honey (now part of Paypal).

The Razor House in San Diego, the real-life Iron Man house

The one-of-a-kind architectural masterpiece known as The Razor House was designed in 2007 by San Diego-based architect Wallace E. Cunningham.

alicia keys house — ^{Photo credit: Gary Kasl courtesy of The Agency}

The striking concrete and glass mansion — dubbed ‘the Iron Man house’ due to its resemblance to Tony Stark’s mansion in the famous Marvel movie — is perched on the edge of a cliff overlooking the Pacific Ocean.

Offering endless concrete terraces, the stunning estate has mesmerizing views of surrounding hills and the ocean below.

^{Photo credit: Gary Kasl courtesy of The Agency}

Featuring several outdoor lounge areas, the luxurious three-story home comes with six bedrooms and six baths, with nearly every room opening up to jaw-dropping views.

In 2019, Grammy Award-winning singer Alicia Keys and husband Swizz Beatz bought The Razor House in a $20.8 million deal.

Villa Vella, one of Europe’s finest contemporary homes

Spanish dream house, anyone?

Dubbed Villa Vela, this sprawling 23,476-square-foot property is located in the sun-bathed province of Andalusia, Spain.

Sitting behind its own gates, at the end of a sweeping driveway, Villa Vela offers a total of six bedrooms and six baths.

The posh property has been designed to be free-flowing and, as such, has an open plan, including floor-to-ceiling retracting windows that open directly onto a terrace that stretches from one end of the house to the other.

Not to mention, each of the suites has its own outdoor space, and they also all connect directly to the vast upper terrace, its lawn, garden, and dining area, and benefit from breathtaking views.

A futuristic, yacht-shaped mansion perched high atop the Los Angeles hills

This 17,000-square-foot modern residential oasis in the upscale LA neighborhood of Brentwood is redefining luxury living.

ultra-modern-mansion-los-angeles — ^{Photo credit: The Agency}

Southern California-based architectural firm de Loren & Associates purposefully designed the building by superior wellness standards, without sacrificing on design but rather adding to it.

Inspired by the clean lines and interior spatial layouts of yachts paired with the motion of the sea, the curving exterior facades are reminiscent of ocean waves, wind, and clouds that make not only for an exhilarating lifestyle but also appealing to the eye.

The modern mansion boasts seven bedrooms, eight bathrooms, and three powder rooms across three levels.

inside travis scott house in Los Angeles — ^{Photo credit: The Agency}

Featuring a massive list of upscale amenities, the beautiful Brentwood home offers a 610-bottle wine cellar, commercial speed glass elevator, movie theater, state-of-the-art gym, a 300 sq. ft. green wall, and a lower-level entertainment area with a full bar, pool table and more.

And there’s plenty of room for Stormi and Wolf to explore! Turns out, this luxurious residence is owned by none other than rapper Travis Scott.

A newly-built Encino mansion with bright, airy, and warm interiors

We can’t get enough of this amenity-rich mansion with modern interiors and a killer guest house.

exquite-home-for-sale-in-encino-los-angeles — ^{Photo credit: LA Light Photography and The Luxury Level}

The seven-bedroom, eight-bathroom Encino home offers 9,081 square feet of living space enclosed within a private, gated estate with surrounding landscape.

The stunning estate is a beautiful example of modern California living, with picture-perfect interiors, exquisite finishes, jetliner views, and plenty of attractive amenities.

Featuring warm wood tones, the large windows and Fleetwood doors open up to unobstructed views and plenty of natural light.

jesse tyler ferguson kitchen — ^{Photo credit: LA Light Photography and The Luxury Level}

jesse tyler ferguson's dining space and wine cellar — ^{Photo credit: LA Light Photography and The Luxury Level}

The carefully thought-out finishes give the home a modern vibe that extends into the bedrooms as well. The second level of this luxury Encino home has four bedrooms, including the master suite, which walks out to a 1,200-square-foot balcony with a fire table.

Naturally, this wonderful modern manse caught the eye of a famous buyer; it’s now owned by Modern Family star Jesse Tyler Ferguson and husband Justin Mikita.

A modern 4-story house facing one of the most beautiful coastal shorelines in all of California

We love this modern mansion set in the most desirable area of Manhattan Beach, The Strand, an oceanfront neighborhood lined with modern-looking mansions that typically sell in the $5 million to $15 million range.

modern house on four levels in Manhattan Beach, CA — ^{Photo credit: Paul Jonason courtesy of Stroyke Properties Group}

Spanning 6,978 square feet of modern living space, the home offers six bedrooms and eight baths.

Designed by renowned L.A. studio KAA Design, this four-story home was envisioned around life, in all its texture, at the beach.

Rather than cluster sleeping areas on a single floor, they’re strategically spaced across the four levels, with the third floor being home to a primary suite with a private office that’s luxuriously sequestered in the style of a penthouse.

^{Photo credit: Paul Jonason courtesy of Stroyke Properties Group}

The private elevator takes residents and guests down to the beach room, which is level with the Strand itself, and lounge on the patio, front row to a peaceful scene of sea, sand, and sky.

Read more about this beautiful modern mansion here.

A $70M contemporary marvel that reimagines luxury living for the 21st century

Located in the coveted Brentwood neighborhood of Los Angeles, this modern mansion is what happens when a star-studded team consisting of award-winning architect Noah Walker, AD 100 interior designer, Jamie Bush, and renowned landscape designer, Christine London LTD comes together.

newly-built-contemporary-home-brentwood — ^{Image credit: Benny Chan courtesy of The Agency}

Spanning 19,000 square feet, this beautiful abode is set on a sprawling four-acre lot and offers six bedrooms and 12 bathrooms alongside many recreation rooms.

The plush property has 270-degree views of the city, ocean, and canyon, and a long list of amenities that include a theater room — with acoustical wall paneling and a commercial cinema-quality projection system — a gym with a steam room, a 75-foot indoor lap pool, outdoor architectural pool and dual offices.

modern-mansion-in-brentwood-los-angeles — ^{Image credit: Benny Chan courtesy of The Agency}

^{Image credit: Benny Chan courtesy of The Agency}

We first covered this luxurious contemporary home when it first came to market last year with an ambitious asking price of $70 million.

Just a few months later, it was purchased by music mogul Scooter Braun (better known as Justin Bieber and Ariana Grande’s manager, and Taylor Swift‘s manager-turned-foe) for $65 million.

The Ora House in San Diego, where contemporary architecture meets serene living

In the hilly, seaside neighborhood of La Jolla in San Diego, a modern cliffside mansion has all the dream house vibes.

exterior of a newly-built modern mansion in La Jolla, San Diego — ^{Street view of the property. Photo credit: Blue Heron}

Built by Blue Heron’s BH Elite custom home division, the Ora House, as the property has been named, is a true architectural marvel.

The stellar design team incorporated the same innovative biophilic design and advanced Savant technology used in Blue Heron’s flagship home, VM001 in Las Vegas, to “enhance the flow of life while creating an overall sense of peace and natural wellbeing.”

The cliffside estate is set in La Jolla’s exclusive Bird Rock Waterfront enclave and totals 8,878 square feet of living space.

The architectural marvel has five bedrooms and eight baths across its four levels, with each level embracing the outdoors with spaces tailored for both entertaining and private moments.

A striking celebrity compound with a modern heptagon-shaped house

Check out this contemporary compound in La Crescenta, Calif.

flea-house-shaped-like-a-starship — ^{Photo credit: Cameron Carothers courtesy of Compass}

Designed by AD100 architect Michael Maltzan, this dramatic, heptagon-shaped house has spaceship vibes, is surrounded by seven exterior walls (some made out of glass), and is anchored by an open-air courtyard that sits right at the center.

Nearly all the rooms of the house come with sliding floor-to-ceiling windows that open up to either the serene courtyard or beautiful mountain and city skyline views.

Some of the stand-out features of the modern mansion include a primary suite with an entire wall of glass that opens up to a generously sized balcony and a particularly unique bathroom with a blue curved penny-tiled wall surrounding the shower.

Futuristic architectural home with seven sides — ^{Photo credit: Cameron Carothers courtesy of Compass}

^{Photo credit: Cameron Carothers courtesy of Compass}

This unique home was owned by Red Hot Chili Peppers bassist Michael Peter Balzary, known professionally as Flea.

A $25 million Napa Valley glass house with killer views

Surrounded by over 40 acres of lush grounds set amidst California’s world-class wine country, this striking architectural home goes by the name of Karinya.

The highly suitable moniker originates from the Australian aboriginal culture and is simply translated as “peaceful home.”

modern glass house with pool in front — ^{Image credit: Adam Rouse courtesy of Coldwell Banker}

Built in 2017, the stunning estate is nestled in the small community of Deer Park right next to St. Helena in Napa County.

Spanning 8,837 square feet, the impressive residence was built with natural materials, a deep connection to the valley’s views, and a design that boasts both beauty and luxury.

Not a detail is spared at Karinya, with many luxurious features such as endless walls of glass, a 2,000-bottle wine room, and an acoustically-designed media/ theater room.

^{Image credit: Adam Rouse courtesy of Coldwell Banker}

Fitting a modern dream house, it also comes with a detailed smart home system with mobile phone control access that controls the music, air conditioning, security and programmable LED recessed lighting in 11 separate zones and a fire sprinkler system.

See more of this lovely Napa Valley home here.

A modern mansion that was once featured in the Oscar-winning “La La Land” movie

Set in the popular Encino neighborhood of Los Angeles, this modern mansion offers an impressive cutting-edge design.

modern mansion with a pool in front — ^{Photo credit: Compass}

The six-bedroom home wows with its soaring ceilings and walls of glass that bring the outdoors in.

Complete with an infinity pool and spa (with a cascading waterfall) and a nifty pool/guest house with a sundeck for outdoor entertainment, the home is peppered with outdoor spots to relax and enjoy the lovely Cali weather.

In case you’re getting a strong sense of deja vu, this beautiful home was featured in the popular film, La La Land.

As the story goes, Mia (played by Emma Stone) and her friends attend a lavish party hoping to meet influential people in the business and finally get their lucky break.

You guessed it, this memorable movie scene was filmed at this gorgeous Los Angeles estate.

A celebrity chef’s former home with a massive kitchen anchored by a 24-foot stone island

Located in the coveted Via Bluffs enclave of Pacific Palisades, this modern mansion spans 6,500 square feet of luxurious living.

modern mansion with sliding doors opening the living room to the pool area — ^{Photo credit: credit: Smith Cho / Compass}

Offering massive sliding windows that open up to beautiful views of Potrero Canyon and beyond, the sumptuous five-bedroom, five-bathroom home is filled with natural light streaming in from the surrounding floor-to-ceiling windows and sliding glass doors, while the skylights pour even more light onto the main and top floors.

The Pacific Palisades property also flaunts features like a dual-faced fireplace, a nearly 24-foot kitchen island, and a distinct living room that’s pouring out onto the outside deck overlooking the pool.

A large open-layout living area is anchored by an impressive dream kitchen.

^{Photo credit: credit: Smith Cho / Compass}

This beautiful home was once owned by celebrity chef, Everyday Italian, and Giada At Home star Giada de Laurentiis.

A beautiful modern mansion tucked in the Hollywood Hills

Built in 2019, this Marc Whipple-designed home is a true Hollywood gem.

Located on the glamorous Sunset Strip, in the Hollywood Hills West neighborhood of Los Angeles, this home oozes that clean-lined modernist approach, while still offering warmth and comfort.

luxury home 6902 los tilos road los angeles — ^{Photo credit: credit: Jonathan Ducrest and Tom Hunter}

The posh property incorporates five bedrooms, six bathrooms, as well as two half-bathrooms, all with breathtaking views spreading from the Hollywood sign right to the Pacific Ocean.

The main entrance offers an open-concept kitchen and three terraces that total 5,000 additional square feet of outdoor living space.

And, the middle level features a second living room and a luxurious ‘floating glass box’ master suite.

^{Photo credit: Tom Hunter Photography.}

All the bedrooms offer easy access to the infinity pool, which provides stunning views of the surroundings and a perfect setting to enjoy summer nights and sunsets in complete privacy.

A Malibu gem that’s often rented to high-profile celebrities

This Malibu celeb magnet is the epitome of indoor-outdoor Cali living, featuring large glass walls that seamlessly blend the interior with the grounds.

Perched above the Pacific Ocean, the three-bedroom, three-bathroom, 2,100-square-foot Malibu mansion is every bit the modern gem.

malibu rental where celebrities stay — ^{Photo credit: Hagai Aharon}

It’s the perfect property for entertaining, as it includes an infinity pool with fabulous ocean views, a spa, and a fire pit.

The entertainment continues inside, as the house includes not one, but three indoor fireplaces, as well as a media room, making sure you stay entertained throughout the entire year.

Amenities include everything you could possibly need, from in-unit laundry and air conditioning to five parking spaces, an outdoor patio, and a cabana.

The house not only rents out to celebrities such as Matthew Perry, Cardi B, and Taraji P. Henson, but it’s also owned by one.

Betty Moon, a celebrated Los Angeles musician, songwriter and producer, currently owns the plush property which she recently renovated before listing it for rent.

An impeccably designed modern mansion that embraces indoor-outdoor living

Located in the upscale neighborhood Pacific Palisades in Los Angeles, this three-story home was designed and built by renowned developer/designer duo David and Eliana Rokach.

ultra luxury house in pacific palisades — ^{Photo credit: The Agency}

This multi-million dollar mansion offers a sprawling 13,543 square feet of modern living space and packs nine bedrooms and twelve bathrooms.

Boasting unobstructed views of the Pacific Ocean and the Santa Monica Canyon, the stunning estate offers an open-concept living/dining room finished in a chic, contemporary style.

The living room features custom-made electronic sliding steel doors that open to a beautiful outdoor area, which features a barbecue area, a grassy backyard, and an infinity-edge swimming pool opening up to views for miles.

A modern hillside lair with canyon views

Situated in Los Angeles’ coveted Brentwood neighborhood, this hillside lair with expansive living spaces, eco-friendly details, and ultra-high-end finishes gives us serious dream house goals.

ibrahim-alhusseini-house-los-angeles — ^{Photo credit: Noel Kleinman courtesy of Compass}

The main entrance features a Japanese-imported Yakisugi front door and bonsai adorned atrium that leads to the open-concept living space.

Here, a chic palette of luxurious stone and reflective glass is accented by unique designer details, and floor-to-ceiling windows provide natural light throughout the day.

^{Photo credit: Noel Kleinman courtesy of Compass}

Offering sweeping views of the canyon, the four-bedroom home comes equipped with the latest technology for entertainment, comfort, and sustainability.

This includes a full automation system, Lutron Solar System lighting, home theater and surround sound from Bang & Olufsen, a home gym, and much more.

Apache is functioning normally

May 27, 2023 by Brett Tams

If you haven’t had a chance to book a stay, know that Monday is the final day to book World of Hyatt properties before the award rates for many popular spots increase.

Starting Tuesday, 214 hotels in the World of Hyatt portfolio will require more points.

Across the properties going up, there will be an average price increase of more than 5,000 World of Hyatt points … per night. That’s not great news, but there is still time to lock in redemptions at some of our favorite hotels before prices increase.

Related: Suddenly, my Hyatt free night certificates feel worthless

At most properties, you can lock in stays for 13 months out (through April 2024) at the current award rates. Also, the vast majority allow free cancellations if your plans ultimately change.

However, there are a few exceptions to that general rule, especially around the winter holiday week, when some stays are nonrefundable. Some all-inclusive properties, such as some Secrets properties, charge a $50 cancellation fee at any point that you change your mind.

Secrets Moxche Playa Del Carmen Room View — SECRETS MOXCHE PLAYA DEL CARMEN/FACEBOOK

Read the fine print carefully before making a booking you are unsure about keeping, but know that most bookings are penalty-free until a few days before check-in.

If you want to make bookings but don’t currently have Hyatt points in your account, there are a few ways to do that.

First, if you have Hyatt Globalist status, you can have Hyatt make you some bookings without points needed until you get closer to check-in. Beyond that option, a few credit card transferable points programs, including Chase and Bilt, can typically transfer points instantly to Hyatt.

Here’s a guide on how to book Hyatt stays without enough points in your account.

Here are some properties to prioritize if you want to lock in some stays today before they cost more starting Tuesday.

Hotels going from Category 4 to 5

Unfortunately, there are many popular properties that will soon be out of reach via the most common Hyatt free night certificates.

These awards are given out in several ways, including via the World of Hyatt Credit Card or by reaching certain qualifying night thresholds during the year.

Here’s a partial list of those properties that will no longer be eligible.

Andaz San Diego.
Chicago Athletic Association.
The Eliza Jane.
Hyatt Regency Grand Reserve Puerto Rico.
Grand Hyatt Jeju.
Grand Hyatt Seoul.
Park Hyatt Saigon.
Hyatt Regency Amsterdam.
Thompson Madrid.
Hyatt Place Moab.
Hyatt House Naples/5th Avenue.
Lahaina Shores Beach Resort, a Destination by Hyatt Residence.

Let’s take a closer look at three of these properties that represent particularly great value.

Related: The 23 best Hyatt hotels in the world

Andaz San Diego

1 of 5

Andaz San Diego. CLINT HENDERSON/THE POINTS GUY

Why you should stay there

Andaz San Diego is a nice property in the heart of San Diego’s Gaslamp Quarter, close to popular restaurants and a ton of nightlife. The rooms are contemporary and the service is friendly and efficient, from the front desk to the restaurant staff. There is a hopping rooftop bar with great views of the city.

What it will cost

The Andaz San Diego will go from Category 4 to Category 5. When this change takes effect, it will go out of range of a Category 4 award certificate.
Award nights for standard rooms increase from 12,000-18,000 points per night to 17,000-23,000 points per night.

Chicago Athletic Association

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Chicago Athletic Association. HYATT

Why you should stay there

Chicago Athletic Association is housed in a classic building — formerly an 1890s-era private athletic club. The building may date to the late 19th century, but the rooms are refreshed and midcentury modern.

The central Chicago location is also a selling point, as the property sits near Millennium Park and the Art Institute of Chicago. It even has an on-site Shake Shack and a bocce ball court.

What it will cost

Chicago Athletic Association is going from Category 4 to Category 5. When this change takes effect, it will go out of range of a Category 4 award certificate.
Award nights for standard rooms increase from 12,000-18,000 points per night to 17,000-23,000 points per night.

Related: Book this, not that in Chicago

The Eliza Jane

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The Eliza Jane. HYATT

Why you should stay there

The Eliza Jane was a sweet spot for many looking to visit New Orleans as it was new, trendy, well located and still eligible for the Hyatt Category 1-4 award nights.

What it will cost

Eliza Jane is going from Category 4 to Category 5. When this change takes effect, it will go out of range of a Category 4 award certificate.
Award nights for standard rooms increase from 12,000-18,000 points per night to 17,000-23,000 points per night.

Related: Here’s how to quickly stock up on Hyatt points for your next vacation

Hotels going from Category 7 to 8

Unfortunately, Hyatt is also making some properties out of reach for even its more exclusive free night certificates. Category 1-7 free night certificates are provided when you pass 60 elite nights and qualify for World of Hyatt Globalist status.

These properties are moving out of range of that valuable certificate:

Alila Marea Beach Resort Encinitas.
Carmel Valley Ranch.
Hyatt Carmel Highlands, Overlooking Big Sur Coast & Highlands Inn, A Hyatt Residence Club.
Park Hyatt Beaver Creek Resort and Spa.
Hyatt Centric Key West Resort & Spa.
Wentworth Mansion.
The Lodge at Spruce Creek.
Ksar Char-Bagh.
Viceroy Bali.
Hotel Gajoen Tokyo.
Keemala.
Hotel Excelsior Dubrovnik.
Hotel Martinez.
Le Narcisse Blanc Hotel & Spa.
Boheme Hotel.
Mykonos Riviera Hotel & Spa.
7Pines Resort Sardinia.
Ca’Sagredo Hotel.
Grand Hotel Cocumella.
La Villa del Re.
Margutta 19.
Villa Spalletti Trivelli.
Villa Geba.
El Lodge Ski and Spa.
Nobu Hotel Marbella.
Grand Hotel Villa Castagnola.
Park Hyatt Zurich.
Villa Orselina.

Park Hyatt Zurich

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Park Hyatt Zurich. CAPE PEMBROKE/HYATT

Why you should stay there

The Park Hyatt Zurich is a sleek and modern midrise in the heart of the financial capital of Zurich. The modern artwork hanging on nearly every hotel wall is worth a visit alone.

What it will cost

The Park Hyatt Zurich is going from Category 7 to Category 8. When this change takes effect, it will go out of range of Category 1-7 award certificates.
Award nights for standard rooms increase from 25,000-35,000 points per night to 35,000-45,000 points per night.

Park Hyatt Beaver Creek

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Park Hyatt Beaver Creek. SUMMER HULL/THE POINTS GUY

Why you should stay there

Park Hyatt Beaver Creek is a five-star option in essentially every way if you want a ski-out Colorado mountain vacation.

Standard rooms routinely cost over $1,000 per night during the peak ski season. Staying with points is a way to have a ski vacation that’s as easy as stepping out onto the snow and being right next to the gondola without spending thousands of dollars on lodging.

Booking with points also means you get to skip the nightly resort fee. Those with Hyatt Globalist status luck out, too, with saving on mountain prices for breakfast each day.

What it will cost

The Park Hyatt Beaver Creek is going from Category 7 to Category 8. When this change takes effect, it will go out of range of a Category 7 award certificate.
Award nights for standard rooms increase from 25,000-35,000 points per night to 35,000-45,000 points per night.
Expect ski season nights to be at the high end of that range.

Related: Review of the Park Hyatt Beaver Creek

Popular leisure and big-city destinations increasing

In addition to the painful number of properties climbing from Category 4 to 5 and Category 7 to 8, plenty of hotels are moving up other levels on the award chart.

Many popular leisure resorts and busy city destinations will inch up from Category 6 to 7, meaning extra points for stays booked as of March 28.

Here’s a breakdown of some popular spots that you should strongly consider booking now before prices increase.

Grand Hyatt Kauai Resort & Spa

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Grand Hyatt Kauai. SUMMER HULL/THE POINTS GUY

Why you should stay there

Grand Hyatt Kauai is a large, lush Hawaiian resort in sunny Poipu. It has one of the best pool complexes you’ll find anywhere, with a 1 1/2-acre saltwater lagoon, 150-foot waterslide and multiple layers of pools for playing, sunning and swimming.

This hotel also has an above-average club lounge, so those who have or purchase access can save on food costs by indulging there.

Standard rooms can cost close to $1,000 per night during peak times, making this a popular award redemption location.

What it will cost

The Grand Hyatt Kauai is going from Category 6 to Category 7.
Award nights for standard rooms increase from 21,000-29,000 points per night to 25,000-35,000 points per night.

Related: Review of the Grand Hyatt Kauai

Andaz 5th Avenue

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Andaz 5th Avenue. BENJI STAWSKI/THE POINTS GUY

Why you should stay there

It’s hard to beat the location of the Andaz 5th Avenue, given its proximity not only to Fifth Avenue but the New York Public Library, Bryant Park, Broadway and more. It’s close to almost everything without being in too frantic of a location.

What it will cost

Andaz 5th Avenue is going from Category 6 to Category 7.
Award nights for standard rooms increase from 21,000-29,000 points per night to 25,000-35,000 points per night.

Related: Review of the Andaz 5th Avenue

Hyatt Regency Maui Resort and Spa

Hyatt Regency Maui. CLINT HENDERSON/THE POINTS GUY

Why you should stay there

The Hyatt Regency Maui offers an excellent location near Lahaina on Maui. It’s set on 40 acres on Kaanapali Beach and has a giant feature-filled swimming pool with a grotto bar, waterslide and bridge right next to the beach.

There are a total of 806 guest rooms and 31 suites, many with dramatic views of the ocean. This has traditionally been a great way to redeem World of Hyatt points (when available). However, cash prices have soared since the pandemic.

What it will cost

The Hyatt Regency Maui goes from Category 6 to Category 7.
Award nights for standard rooms increase from 21,000-29,000 points per night to 25,000-35,000 points per night.

Related: A review of the Hyatt Regency Maui

Hyatt Regency Aruba Resort Spa and Casino

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Hyatt Regency Aruba Resort Spa and Casino. HYATT

Why you should stay there

The Hyatt Regency Aruba Resort Spa and Casino has many amenities in a central location on the beach. On top of that, it has a large pool complex with a waterslide, activity pool and adults pool. Rooms were recently renovated, and as the name implies, there’s an on-site casino.

What it will cost

The Hyatt Regency Aruba Resort Spa and Casino goes from Category 6 to Category 7.
Award nights for standard rooms increase from 21,000-29,000 points per night to 25,000-35,000 points per night.

Grand Hyatt Vail

Why you should stay there

Grand Hyatt Vail is a full-service ski hotel without quite as high a price tag as the Park Hyatt Beaver Creek. That will still be true, but both are going up in award cost.

Right now, the maximum you’ll pay for mountain-adjacent lodging at the Grand Hyatt is just 29,000 Hyatt points per night, which is a great deal while you can lock it in.

This is not as ski-out as the Park Hyatt. However, during the heart of the season, an on-site ski lift will take you up the mountain, though you need to be an advanced beginner to an intermediate skier to traverse that terrain. In other words, new skiers will still need to take the shuttle to ski school.

What it will cost

The Grand Hyatt Vail is going from Category 6 to Category 7.
Award nights for standard rooms increase from 21,000-29,000 points per night to 25,000-35,000 points per night.
Expect standard rooms to fall at the top end of those ranges during much of the ski season.

Related: Guide to visiting Vail

All-inclusive resorts are going up

The all-inclusive resorts in the World of Hyatt program will also take a hit. Some will go from costing 25,000 points per night for double occupancy to 40,000 points per night. Hyatt uses a letter system for all-inclusives instead of numbered categories.

Lots of properties are increasing one category (for example, from C to D), and some are going up two categories (C to E). Some of the popular all-inclusive resorts changing categories are:

Zoetry Agua Punta Cana.
Zoetry Casa del Mar Los Cabos.
Zoetry Montego Bay Jamaica.
Hyatt Zilara Cap Cana.
Hyatt Ziva Cap Cana.
Hyatt Zilara Rose Hall.
Hyatt Ziva Rose Hall.
Hyatt Ziva Cancun.
Hyatt Zilara Cancun.
Hyatt Ziva Los Cabos.
Hyatt Ziva Puerto Vallarta.
Secrets Papagayo Costa Rica.
Secrets Wild Orchid Montego Bay.
Secrets St. James Montego Bay.
Breathless Montego Bay Resort & Spa.

However, before locking in your stays, carefully review the cancellation policy. Many of these properties impose a $50 fee if you need to cancel — and most require this at least four days prior to arrival.

Related: These are the most luxurious all-inclusive resorts

Zoetry Agua Punta Cana

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ZOETRY AGUA PUNA CANA/FACEBOOK

Why you should stay there

The Zoetry brand has multiple properties going up in award cost, including the Zoetry Agua Punta Cana. It’s next to the water with multiple on-site restaurants and standard rooms that start at over 700 square feet.

What will cost

Zoetry Agua Punta Cana is going from Category C to Category E (moving up two categories).
Award nights for standard rooms increase from 25,000 to 40,000 World of Hyatt points per night.

Hyatt Ziva and Zilara Cap Cana

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Hyatt Ziva and Zilara Cap Cana. HYATT

Why you should stay there

The Hyatt Ziva and Zilara Cap Cana in the Dominican Republic are side-by-side resorts, one dedicated to adults and the other for family travelers. There’s an on-site beach, pool and even a water park, making for a fun one-stop-shop resort.

What it will cost

The Hyatt Ziva and Zilara in Cap Cana are going from Category C to Category E (increasing two categories).
Award nights for standard rooms increase from 25,000 to 40,000 World of Hyatt points per night.

Hyatt Zilara and Ziva Rose Hall

Why you should stay there

The Hyatt Zilara Rose Hall and the Hyatt Ziva Rose Hall are two of the best all-inclusives in Jamaica. They have been favorite redemptions for folks at TPG over the years, offering good value in a setting where food and drinks are included.

Between the two neighboring resorts (one is adults-only, one family-friendly), you’ll find multiple pools, beaches and lounge areas.

What it will cost

The Hyatt Zilara and Ziva Rose Hall in Montego Bay, Jamaica, are going from Category C to Category D.
Award nights for standard rooms increase from 25,000 per night to 30,000 World of Hyatt points per night.

Bottom line

If you want to maximize your free night awards and World of Hyatt points at any of the 214 properties going up in price (view the full list), you need to do it Monday.

As mentioned, you can book future stays as far out as the calendar allows, typically 13 months. These changes go into effect for bookings made or modified on or after Tuesday.

Related reading:

Additional reporting by Kyle Olsen.

Source: thepointsguy.com

Apache is functioning normally

May 26, 2023 by Brett Tams

In the past decade, we’ve seen a major transformation in the banking sector. As the world continues to digitize, the financial landscape has shifted in response, giving birth to a plethora of online banking services. One such innovation that has garnered widespread adoption is online checking accounts.

As a key financial tool, a checking account serves as a lifeline for day-to-day transactions, paying bills, and generally managing one’s finances. But with online checking accounts, convenience, accessibility, and often better rates and lower fees have made them an attractive alternative to traditional banks.

10 Best Online Checking Accounts

These best online checking accounts offer a range of features, from high annual percentage yield (APY) to robust mobile apps, all designed to meet the varying financial needs of users. Here are our top 10 picks for 2023.

1. Chime Checking Account

Chime, a financial technology company that offers online banking services, is revolutionizing the banking industry with its online checking account that pairs both convenience and value into a single offering.

2. Axos Bank Rewards Checking

Axos Bank is an online-based bank that’s shaking up the banking industry with its online Rewards Checking account, a unique blend of convenience and value.

3. Current Account

Current, a pioneering financial technology company, delivers cutting-edge banking solutions with its Current Account.

4. SoFi Checking and Savings Account

SoFi, a modern financial platform offering a suite of financial services, is setting new standards in the world of banking with its online bank account that combines remarkable earning potential and considerable convenience.

5. Ally Bank Interest Checking Account

Ally Bank, renowned for its customer-centric digital banking services, provides a comprehensive offering through its Ally Bank Interest Checking Account.

6. Consumers Credit Union Serious Interest Checking

Consumers Credit Union, committed to enhancing its members’ financial prosperity, offers an appealing solution with its Serious Interest Checking®, a high yield checking account.

7. Quontic High Interest Checking

Quontic Bank, committed to maximizing customer earnings and supporting financial inclusivity, offers a high interest checking account that combines convenience, high-yield potential, and an innovative digital banking experience.

8. Alliant Credit Union High-Rate Checking

Simplicity and high yields are the cornerstone of Alliant Credit Union’s High-Rate Checking account, a solution tailored to meet the needs of modern-day banking customers, whether they’re on-the-go or prefer traditional banking methods.

9. Schwab Bank Investor Checking

Charles Schwab brings its robust reputation in the investment sector to banking with its Schwab Bank Investor Checking account, designed for those seeking seamless integration of banking and investing.

10. Navy Federal Credit Union Free EveryDay Checking

Navy Federal Credit Union’s Free EveryDay Checking is an easy-to-use, accessible banking solution for everyone.

What is an online checking account?

An online checking account operates much like the checking accounts you’re accustomed to at traditional brick and mortar banks, with the primary difference being that it’s mostly or entirely digital. They are provided by online banks, credit unions, and even financial technology companies that are not banks themselves.

Online checking accounts have surged in popularity for a variety of reasons. Their major draw is the convenience and flexibility they offer. With these accounts, you can deposit cash, pay bills, transfer money, make debit card purchases, and even deposit checks digitally using the bank’s mobile app. This means that all your transactions can be completed without visiting a physical branch location.

Additionally, online only banks typically offer higher annual percentage yields (APY) than traditional banks, meaning your money grows faster. The absence of physical branches translates into reduced overhead costs for these financial institutions, enabling them to pass on the savings to customers in the form of higher interest rates and lower fees. These accounts also often have lower minimum balance requirements and monthly maintenance fees compared to their brick-and-mortar counterparts.

Lastly, many online banks are insured by the Federal Deposit Insurance Corporation (FDIC) or the National Credit Union Administration (NCUA), providing the same level of safety for your deposits as traditional banks.

Criteria for Evaluation

Selecting the best online checking accounts was not a task taken lightly. We’ve considered a variety of factors in our analysis to ensure that our picks provide a mix of the most advantageous features for diverse financial needs. Here are the key criteria we used in our evaluation:

Annual percentage yield (APY): We considered the APY offered on the checking accounts. Higher APY means your money grows faster, making it a key feature to look for in an account.

Monthly fees and other costs: Monthly maintenance fees can eat into your savings. We favored accounts with low or no monthly fees. We also looked at other potential costs like overdraft fees, out of network ATM fees, and foreign transaction fees.

ATM access: Easy and wide-ranging access to ATMs is crucial. We considered online banks with large ATM networks and those that offer ATM fee reimbursements.

Customer service: Exceptional customer service is important, especially for an online only bank where in-person assistance is not an option. We assessed the quality of customer service provided by each bank.

Mobile app experience: A great mobile app can make managing your money a breeze. We evaluated the usability, functionality, and reliability of each bank’s mobile app.

Additional features: Other features like early direct deposit, mobile check deposits, cash back rewards, and savings tools can add value to online checking accounts. We considered these additional features in our review.

How to Choose the Right Online Checking Account for You

Choosing the right online checking account is crucial. It can simplify your financial management, enhance your monetary gains, and align with your lifestyle needs. Below are key factors to consider in making an informed decision:

Financial Habits: Evaluate your typical financial behaviors. Do you frequently use ATMs, and will you need access to an extensive, fee-free ATM network? If you regularly maintain a high balance in your checking account, an interest-earning account could be beneficial. Conversely, if you tend to keep a low balance, consider an account with no minimum balance requirement to avoid potential fees.
Goals: What are your financial goals? If you’re aiming to save, consider an account that earns interest. If you’re focused on investing, select an institution that offers seamless integration between checking and investment accounts.
Lifestyle: Assess your lifestyle and daily needs. Do you travel often and need an account that doesn’t charge foreign transaction fees? If you prefer digital banking, look for accounts with robust online platforms and mobile apps that allow for easy money management on the go.
Fees: Examine the fee structure carefully. Consider potential monthly maintenance fees, overdraft fees, and ATM fees. Look for accounts offering fee waivers or reimbursements.
Customer Service: Exceptional customer service is crucial, particularly for an online bank. Look for 24/7 customer support, availability of live chat, and timely response to queries.
Security: Ensure that the bank employs stringent security measures to protect your account from fraud or unauthorized transactions. Features like two-factor authentication, alerts for suspicious activity, and FDIC insurance are vital.

Bottom Line

In today’s fast-paced, digital age, online checking accounts provide a convenient, accessible, and often more financially rewarding alternative to traditional banking. However, the key to making the most of these benefits is to choose the right account based on your individual needs, lifestyle, and financial goals.

By carefully considering factors like your financial habits, goals, lifestyle, potential fees, customer service, and security measures, you can find an online checking account that not only meets but exceeds your expectations. Remember, your checking account is at the heart of your financial life – choose wisely.

Frequently Asked Questions

Are online checking accounts safe?

Yes, online checking accounts are safe as long as they’re offered by a reputable bank or credit union that has FDIC or NCUA insurance. This insurance protects your money up to $250,000 per depositor.

Can I deposit cash into an online checking account?

Depositing cash into an online checking account can be more challenging than with a traditional bank. Some online banks have agreements with certain ATM networks or retail outlets where you can deposit cash. You can also deposit cash into a traditional bank account and then transfer it to your online account.

What should I do if I need to write a check?

Many online banks offer free or low-cost checkbooks. However, if you seldom write checks, you may not need a physical checkbook. Instead, you can use the bank’s online bill pay service, which sends a check or electronic payment to the recipient on your behalf.

Do online banks offer customer service?

Yes, most online banks offer robust customer service options, including phone support, live chat, email, and often extensive FAQ sections on their websites. Some even offer 24/7 support.

Source: crediful.com

Apache is functioning normally

May 26, 2023 by Brett Tams

Editor’s note: This is a recurring post, regularly updated with new information and offers.

Whether you have two or 22 travel rewards credit cards in your wallet, chances are you enjoy hitting the road. Unfortunately, it can be extremely frustrating when your card gets flagged while traveling, and you’re suddenly unable to use it. While it’s great when an issuer correctly flags unauthorized account activity as fraudulent, the opposite is true when the issuer inadvertently prevents you from swiping a card.

Thankfully, most major issuers no longer require users to set travel alerts ahead of time.

In this guide, we’ll walk through the details for different cards so you know what to expect before your trip.

What is a travel alert?

Before diving into issuer-specific guidelines, let’s start with a quick overview of what a travel alert is and why this is important.

Most of today’s credit cards have mechanisms to prevent fraud and abuse. When an issuer notices unusual account activity, it may flag it as potentially fraudulent. This happened to me when an unauthorized individual called Chase and inputted the full 16-digit account number of my Chase Freedom Unlimited. I immediately requested a new card, preventing the thief from actually using the compromised card number — a minor inconvenience but not a significant hassle.

However, this protection can also kick in if you try to use a card abroad or in an area of the U.S. that’s far from your primary residence. Suppose you’ve spent months (or even years) swiping a card solely within a specific area and then you suddenly try to use it in another state or country. In that case, this activity might get flagged — and it could be a substantial roadblock to continuing your trip. If you haven’t set up your cellphone to work abroad — or if you’re in an area with limited service — there may be no quick way to let the issuer know that the purchase is (in fact) valid and authorized.

If you notify the issuer ahead of time, a sudden charge in another part of the country or the world (one that you specifically said you’d be visiting during the given time period) won’t be flagged. This allows you to continue swiping your card and — most importantly — keep enjoying your trip.

So, how exactly do you do this? As noted above, many major credit card issuers no longer require proactive travel alerts ahead of time — but let’s go through some of the largest ones.

Related: Best credit cards with no foreign transaction fees

How to set American Express travel alerts

Amex doesn’t require you to set up travel alerts. In fact, if you log in to your account at AmericanExpress.com, you won’t even see this as an option. Here’s the rationale, per the issuer’s FAQ page on the topic:

We use industry-leading fraud detection capabilities that help us recognize when our card members are traveling, so you don’t need to notify us before you travel.

It does suggest that you keep updated contact information on your account and download the Amex app before your trip. However, you shouldn’t have any trouble using your cards when traveling.

Applicable cards include: American Express® Gold Card, The Platinum Card® from American Express, Marriott Bonvoy Brilliant® American Express® Card, The Business Platinum® Card from American Express.

How to set Bank of America travel alerts

Like Amex, Bank of America no longer requires travel alerts ahead of time. If you search in the Help & Support center, you’ll see the following message:

You no longer need to let us know when you travel. We monitor your accounts and will send automatic alerts if we detect suspicious activity. Should you need us while traveling, call the number on the back of your card anytime.

TIP: It’s important that your email address and mobile phone number are up to date on your account profile, so we can notify you quickly about unusual activity.

Note that this applies to both credit and debit cards associated with your Bank of America login, which can be nice if you’re planning to withdraw money from an ATM using your debit card.

Applicable cards include: Alaska Airlines Visa® credit card, Bank of America® Premium Rewards® credit card.

How to set Capital One travel alerts

(Photo by Isabelle Raphael / The Points Guy) — ISABELLE RAPHAEL/THE POINTS GUY

Capital One uses the same approach as American Express — you don’t need to set these up in advance. When you log in to your Capital One account and click on the “I Want To…” button, you’ll see what appears to be an option to set a travel notification. However, when you click on it, you’ll receive the following message:

With the added security of your Capital One chip card, travel notifications are no longer needed on your credit card. That’s right! You don’t have to tell us when and where you’re traveling, inside or outside the United States. Your credit card is 100% covered for fraud while you’re traveling and we will alert you if we see anything suspicious.

Remember that none of Capital One’s credit cards impose foreign transaction fees for purchases made abroad.

Applicable cards: Capital One Venture X Rewards Credit Card, Capital One Venture Rewards Credit Card, Capital One SavorOne Cash Rewards Credit Card, Capital One Spark Miles for Business.

How to set Chase travel alerts

Chase offers a wide variety of valuable credit cards, including many that you may want to use when traveling. Like previous issuers on the list, you no longer need to proactively set up travel notifications ahead of your trip. When you log in to your Chase account, you’ll still see the “Travel notification” option under account services, but here’s the message you’ll find there:

We’ve got you covered! With our enhanced security measures:

You don’t need to set up travel notifications anymore.
We’ll send you fraud alerts if we see any possible identity theft.
We’ll alert you if we notice any suspicious behavior on your account.

Applicable cards include: Chase Sapphire Reserve, Chase Sapphire Preferred Card, World of Hyatt Credit Card, United Explorer Card, Aeroplan Credit Card, Ink Business Preferred Credit Card.

How to set Citi travel alerts

(Photo by Brian Kelly/The Points Guy) — BRIAN KELLY/THE POINTS GUY

Unlike previous issuers, Citi still allows you to set up travel notifications on your credit cards. Here’s how to do so:

Log in to your account at citi.com.
Hover over “Services” at the top, then click on “Travel Services.”
Click on “Add a Travel Notice.”
Select the applicable cardholders, enter your dates, then click “Next.”
Review the details, then click “Confirm.”

Note that you don’t even need to select the individual destination (or destinations) you’re visiting. The only required pieces of information are the cardholders who’ll be on the trip (including authorized users) and the dates of the trip.

Applicable cards include: Citi Premier® Card, Citi Rewards+® Card, Citi® / AAdvantage® Executive World Elite Mastercard®.

What if a travel alert doesn’t work?

Unfortunately, even the advanced technology credit card issuers use nowadays isn’t guaranteed. There may be certain instances where a legitimate transaction is flagged as potentially fraudulent, especially when traveling. Alternatively, an issuer may require an extra verification step before approving a purchase instead of being declined immediately. This especially applies to many online transactions thanks to 3D card security measures.

This is one reason why it’s critical to have updated contact information on file with your card issuers and a working mobile phone when you’re outside the country. This ensures that you can complete any verification requests in a timely fashion.

It’s also critical to always have at least one backup credit card in your wallet when traveling (or load alternate options into your mobile wallet). Ideally, this card would be from a different card issuer and work with a different payment network, which minimizes the chance that neither card will work.

Bottom line

From full flights to weather delays to traffic, travel can be stressful — and that’s without any financial issues. Fortunately, most major credit card issuers no longer require advance travel notices on your accounts. However, you should still carry at least one backup payment method in case your primary card is declined. It’s also critical to have a working phone number to receive email or text notifications when things go wrong.

If you want to maintain your ability to swipe your favorite travel rewards credit cards on your next trip, follow these instructions before you depart.

Additional reporting by Ryan Wilcox and Madison Blancaflor.

Source: thepointsguy.com

Apache is functioning normally

May 26, 2023 by Brett Tams

If you frequently fly United Airlines, want to upgrade your United flight or have elite status with United, you may benefit from the expert mode option on United’s website.

United Airlines’ expert mode lets you see available fare classes, including award and upgrade availability. This extra information can give you a whole new level of insight into your travel options and let you tailor your flights to your preferences — both of which can be helpful for a frequent traveler.

In this guide, we’ll discuss what you need to know about United’s expert mode, how to turn on expert mode and how to maximize this valuable tool.

Related: The best airline credit cards

Fare class basics

United offers at least 35 fare classes you can see through expert mode if you’re on a three-cabin aircraft. Each fare class, which often correlates to the price of your ticket, has its own rules.

Before you dive into expert mode, you’ll want to understand the different fare classes and what they can provide you. Otherwise, turning on United’s expert mode won’t be helpful. Here are a few key fare classes you’ll want to keep in mind:

Upgrades

PZ: Confirmed upgrades to business or first class using PlusPoints or miles.
PN: Premier members are eligible for instant first-class upgrades on most domestic full-fare economy Y-class and B-class fares. Premier 1K members are also eligible for instant upgrades on most domestic routes when booking the M-class fare. Global Services customers are eligible for upgrades in nearly any fare class when PN space is available.
RN: Confirmed upgrades to Premium Plus using PlusPoints or miles.

Saver award tickets

IN: Saver business or first-class awards for some elites and some cardholders.
I: Saver business or first-class awards for all other customers and partner redemptions.
XN: Saver economy awards for all elites and most credit cardholders.
X: Saver economy awards for all other customers and partner redemptions.

Everyday award tickets

JN: Everyday business or first-class awards for some elites and some credit cardholders.
ZN: Everyday business or first-class awards for all other customers.
YN: Everyday economy awards for all elites and most credit cardholders.
HN: Everyday economy awards for all other customers.

Revenue tickets

Economy class: N, G, K, L, T, S, W, V, Q, H, U, E, M, B and Y.
Premium Plus: R, N and O.
Business class: P, Z, D, C and J.

United’s expert mode is the best way to see these available fare classes. Now, let’s discuss how and why to use United’s expert mode.

Related: Why Premium Plus and higher fare classes are the secret to United upgrades

Turning on United expert mode

To enable United expert mode, go to United.com and log in to your MileagePlus account. Navigate to your account homepage, select “settings,” and then “special preferences & accommodations.”

Scroll down to “date and time format preference.” Tick the box next to “enable expert mode.”

Then, select “Save.”

To access expert mode during a flight search, you must be logged in to your account. However, note that United has long had a pesky glitch that occasionally turns expert mode off. If this happens, you can usually turn it back on by repeating the above steps.

Related: TPG’s Premier 1K staffers share their tips for getting United upgrades

Using United expert mode

Typically, you’ll search for PZ upgrade availability if you want to use PlusPoints or miles to get upgraded on United Airlines. If you want a same-day change, you might also use expert mode to show available fare classes on an earlier or later flight.

However, United’s expert mode will only show available award classes if you search for paid tickets (as opposed to award tickets).

For example, here’s a flight search from Boston to London. When the results appear, click the “Details” tab for a particular flight. Doing so will display all the fare classes if you’ve turned on expert mode.

Let’s start from the top: J7 means seven seats are currently for sale in business class. Since the J-fare is full-fare business class, United will release the most availability into that fare bucket. Of those seven seats, all seven are available in the C and D fare classes, while six are available in the Z and P fare classes. PZ5 means five business-class seats are available for upgrades using PlusPoints or miles. IN4 (for some elites and some cardholders) and I4 (for all other customers and partner redemptions) indicate that four business class seats can be booked using miles at saver rates.

O9 suggests there are nine or more available seats in full-fare Premium Plus. Of those nine Premium Plus seats, you can book nine or more in the ON (dynamically priced award ticket), A and R fare classes. RN7 means United has released seven seats for confirmed upgrades to Premium Plus using PlusPoints or miles.

As you may have guessed, Y9 through K9 means nine or more economy seats are available in these fare classes. G0 means there aren’t any deeply discounted G-fare seats on this flight. XN9 (for all elites and most credit cardholders) and X9 (for all other customers and partner redemptions) denote that nine or more economy seats can be booked using miles at saver rates.

On this flight, you’ll notice that although the K, R and P fare classes are available, the flight is priced in the L, A and Z fare classes for economy, Premium Plus and business class, respectively. That’s because United has restrictions on some of its lower fare classes (i.e., you can’t book them as one-way tickets or within a certain number of days before departure).

Related: United’s best kept elite status secret: How to earn PQP faster with partner flights

Bottom line

As its name suggests, United expert mode is a powerful tool for advanced users to view specific fare classes and availability. It can help you find award and upgradable tickets and help you determine if enough seats are available for your entire party.

Remember, you can only use expert mode when logged in to your MileagePlus account and searching for paid tickets (not award tickets).

Additional reporting by Eric Rosen.

Source: thepointsguy.com

Apache is functioning normally

May 26, 2023 by Brett Tams

Being diagnosed with prostate cancer can make getting life insurance seem like an impossible task.

However, depending upon your specific situation, it is still possible to find good quality coverage with a highly rated insurer.

American Cancer Society studies have shown that prostate cancer is the second most common type of cancer that affects American men today – and it is estimated that approximately one in six men will become diagnosed with this condition at some time during their life.

The good news is that as medical treatment becomes more advanced, and the survival rates continue to improve, the best life insurance companies will typically update their underwriting guidelines, making it at least somewhat easier for applicants to qualify for coverage.

If you are in remission and/or your cancer is being successfully treated, a life insurance company may accept you for a policy with an additional premium surcharge – a flat extra amount of premium cost.

However, after a certain period of time has passed – especially if you have become cancer free – this surcharge will be removed. And, in certain instances, under ideal circumstances, you may even be able to qualify for a “standard” premium rating on your policy.

Many would think that having been diagnosed with prostate cancer would make it nearly impossible to get approved for term life insurance coverage.

In case that’s what you believe, let me be the first one to tell you that is a myth. Men that have been treated and/or diagnosed can, in fact, get approved for a life insurance policy.

Recently, I encountered a 70 year old male who had been diagnosed with prostate cancer approximately 4 years ago. 6 months later he had a prostatectomy to have the cancer removed. Since then he has had no metastasis and everything seems to be in the clear.

He was looking to obtain a 15 year, $150,000 term life policy. It was time to do my homework.

What the Life Insurance Underwriters Will Need to Know

When moving through the life insurance application and approval process, the insurance company’s underwriters may request specific information in addition to that which is already included on the initial application. This may include reports from your doctor, blood and/or urine testing, or even a third party medical examination.

Likewise, should you be approved, there are several factors that are likely to affect the amount of premium that you will be charged. These criteria include:

The stage and the extent of the cancer’s progression
Your age at the time of diagnosis
The type of treatment that you are currently receiving (if any)
When treatment was completed (if applicable)
Results of any follow-up medical testing

It is important to keep in mind that the less the underwriters know about your situation, the more likely they are to assume that you are a high risk case – substantially increasing your chances of being denied for coverage.

Therefore, in addition to following your doctor’s treatment plan, be sure that you are ready with any and all additional information that the insurance company requests. This will give the underwriters a much more complete picture of your health history, as well as your prognosis going forward. In addition, having this information up front can also help in reducing underwriting delays during the overall application process.

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Increasing Your Chance of Getting Approved

In order to increase your chance of approval for coverage, there are several steps that you can take. First, it is a good idea to consider working with a life insurance agent who has experience in locating coverage for those who are cancer survivors.

Oftentimes, agents will specialize in working with clients who have health conditions that may make it more tricky to qualify for a policy. These representatives will typically know which insurance companies are more apt to provide the best rates for their clients’ particular circumstances.

Life Insurance with Prostate Cancer Questionnaire

If you are interested in purchasing life insurance and have been diagnosed with prostate cancer, it’s important to uncover all the circumstances behind it. Below is a sample questionnaire that you’ll need to answer to make sure we get you with the best life insurance company.

1. a. Please provide diagnosis. b. Please provide date of last treatment.

2. What was the stage of the cancer diagnosed? This information should be contained in the pathology report.

A1, A2, B1, B2, C1, C2, D1, D2, Recurrent.

3. What was the prostate cancer’s Gleason score? What was the prostate cancer’s grade?

4. a. What was the PSA prior to treatment? b. What was the latest PSA?

5. How has the prostate cancer been treated?

Observation only.
Radiation therapy.
Transurethral prostatectomy.
Hormone therapy.
Radical prostatectomy.
Castration.
Biological therapy.
Castration (chemical)

6. Has the proposed insured taken any medications to treat the cancer in the past and/or is he or she currently taking any medications?

Name of medication(s), prescription(s) or otherwise.
Dates they were taken or prescribed.
Quantity, including dosage, taken.
Frequency taken, by day.

7. Has there been any evidence of any recurrence: yes or no?

8. Does the proposed insured have any medical conditions? If yes, please describe.

The insurance company is going to look at all of these factors to determine how much of a risk you are to insure. The higher risk you are, the lower your chances of being accepted, as well as the more you’ll pay for coverage if you are accepted. There are also dozens of other aspects that are going to impact your chances of being accepted for life insurance.

Bottom Line

Prostate cancer can keep a lot of people from getting the coverage that they deserve. Everyone deserves to have quality life insurance, and our agents can help you get it. Your health shouldn’t stop you from getting insurance protection that can give your family the resources they need if you were to pass away.

Aside from getting a quality plan, you’ll need to ensure that you get enough coverage for your family members. Not having enough coverage can be just as detrimental as not having a policy at all.

Source: goodfinancialcents.com

Apache is functioning normally

May 26, 2023 by Brett Tams

Written by

Reviewed by

Updated Mar 09, 2023

At Bankrate, we strive to help you make smarter financial decisions. To help readers understand how insurance affects their finances, we have licensed insurance professionals on staff who have spent a combined 47 years in the auto, home and life insurance industries. While we adhere to strict
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At a glance

3.5

Bankrate Score

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Auto

3.8

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Cost & ratings

4.0

Coverage

3.5

Support

3.5

Home

3.1

Caret Down

Cost & ratings

2.8

Coverage

4.0

Support

2.3

Bottom Line

If you live in Erie’s 12-state service area, the company could be a great choice for robust coverage and affordable premiums. Erie’s digital tools are lacking compared to its competitors, though, so it may not be the best choice for tech-focused customers.

Affordable average premiums for both homeowners and car insurance policies compared to the national average
Strong customer satisfaction rankings from J.D. Power
Erie’s home insurance offers guaranteed replacement for dwelling coverage in most states

Erie auto and home insurance is only available in 12 states and Washington D.C.
No usage-based auto insurance program available
Only a few homeowners endorsements available

Answer a few questions to see personalized rates from top carriers

Info

What’s new with Erie?

In August 2022, Erie Insurance established Erie Strategic Ventures to help fund entrepreneurs who create innovative products and services for customers and Erie’s independent agents. The company also recently announced the addition of optional extended water coverage for homeowners policies.

Erie car insurance

Founded in 1925, Erie Insurance Group started in Pennsylvania but has since expanded to 12 states and Washington D.C. The company offers coverage options that may be difficult to find among its competitors. Its standard auto insurance policies feature a diminishing deductible, first accident forgiveness for eligible policyholders and Erie Rate Lock, depending on the state. Additional coverage options include roadside assistance, auto glass repair and personal item coverage.

Erie car insurance earned a Bankrate Score of 3.8 out of 5. This Score reflects the company’s coverage options, financial strength, customer satisfaction and available discounts. Erie lost points due to its regional availability and limited digital tools (for example, the mobile app doesn’t have a claims filing option). Erie earned an A+ (Superior) AM Best financial strength rating and placed third in J.D. Power’s 2022 U.S. Auto Claims Satisfaction Study.

Pros and cons of Erie car insurance

Erie’s coverage options and customer satisfaction scores make it one of the best car insurance companies in states where it writes policies. Comparing pros and cons of Erie auto insurance may help you decide if the company could be a good fit for your needs.

PROS

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Roadside assistance and rental car reimbursement available
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Erie Rate Lock may help keep rates stable over time
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Auto policies include pet coverage

CONS

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Available in just 12 states and the District of Columbia
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No telematics or usage-based insurance program available
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Mobile app does not enable policyholders to file a claim from their mobile devices

Erie car insurance cost

Erie is one of the cheapest car insurance companies based on our research of average premiums analyzed from Quadrant Information Services. Erie’s full coverage car insurance costs an average of $1,356 per year, while minimum coverage averages $486 per year.

Comparatively, the national average cost of car insurance for both coverage levels is higher, at $2,014 per year for full coverage and $622 per year for minimum coverage. Actual rates may vary based on car insurance rating factors, but the premium data below may be a useful comparison tool.

Erie car insurance rates by driving history

Bankrate bases the following average rates on data provided by Quadrant Information Services. This may not represent the price you will pay for car insurance. We do not include average rates for drivers with a history of driving under the influence (DUI) because some insurers may not write policies for motorists with a DUI conviction. If you have a DUI conviction, you may contact your insurance agent to find out how it could impact your car insurance premium.

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	Erie average monthly full coverage premium	Erie average annual full coverage premium	National average annual full coverage premium
Clean driving history	$113	$1,356	$2,014
Speeding ticket conviction	$123	$1,476	$2,427
At-fault accident	$134	$1,607	$2,854

	Erie average monthly minimum coverage premium	Erie average annual minimum coverage premium	National average annual minimum coverage premium
Clean driving history	$41	$486	$622
Speeding ticket conviction	$44	$527	$748
At-fault accident	$49	$592	$892

Erie car insurance quotes by age

Young drivers typically pay some of the highest average car insurance rates. Teens and other young drivers may save by remaining on their parents’ auto insurance policy until they’ve established their own households. The following average rates are based on a motorist on their parents’ policy with a clean driving record, as well as drivers listed on their own policies.

Average cost of car insurance for drivers on their parent’s policy

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	Erie average monthly full coverage premium	Erie average annual full coverage premium	National average annual full coverage premium
Age 16	$240	$2,876	$4,392
Age 17	$225	$2,700	$4,102
Age 18	$219	$2,630	$3,837
Age 19	$209	$2,512	$3,345
Age 20	$205	$2,456	$3,149

	Erie average monthly minimum coverage premium	Erie average annual minimum coverage premium	National average annual minimum coverage premium
Age 16	$86	$1,035	$1,470
Age 17	$81	$970	$1,362
Age 18	$79	$944	$1,261
Age 19	$74	$892	$1,070
Age 20	$73	$876	$995

Average cost of car insurance for drivers on their own policy

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	Erie average monthly full coverage premium	Erie average annual full coverage premium	National average annual full coverage premium
Age 18	$249	$2,988	$6,110
Age 25	$136	$1,630	$2,473
Age 30	$122	$1,461	$2,125
Age 40	$113	$1,356	$2,014
Age 60	$107	$1,279	$1,824

	Erie average monthly minimum coverage premium	Erie average annual minimum coverage premium	National average annual minimum coverage premium
Age 18	$90	$1,081	$1,967
Age 25	$48	$579	$747
Age 30	$43	$520	$647
Age 40	$41	$486	$622
Age 60	$39	$462	$578

Erie car tools and benefits

Erie extends a coverage option for non-owned autos including cars, moving vans and trailers that you use but do not own. This may be ideal for Erie drivers who do not own a vehicle but do drive on occasion.

Erie also sells boat, class car and motorcycle insurance, along with coverage for ATVs, golf carts and snowmobiles.

Erie home insurance

Erie home insurance receives high customer satisfaction scores from J.D. Power as well as 24/7 support for policyholders and a variety of coverage options. Erie offers guaranteed replacement cost coverage as part of its standard homeowners policies as well as additional living expenses.

Although Erie does not allow policyholders to file a claim through their mobile app, the company has more than 13,000 local agents and advertises a 90 percent customer retention rate year over year.

Pros and cons of Erie homeowners insurance

If you’re considering Erie for your homeowners insurance needs, it may be helpful to compare perks and drawbacks you may experience with the carrier. Here are a few of the key pros and cons Bankrate’s editorial team identified:

PROS

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Guaranteed dwelling replacement cost coverage included in standard homeowners policies
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Ranked 7th in J.D. Power’s 2022 U.S. Home Insurance Study
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Standard home insurance policies include up to $500 in pet coverage

CONS

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Only a few discounts available
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Few optional coverages available
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Not available in all states

Dwelling coverage limit	Erie average annual premium	National average annual premium
$150,000	$659	$975
$250,000	$957	$1,428
$350,000	$1,269	$1,879
$450,000	$1,601	$2,343
$750,000	$2,597	$3,761

Erie home insurance discounts

Home insurance discounts may help you save on your premium. Advertised home insurance discounts with Erie include:

Erie home tools and benefits

Erie’s home insurance coverage comes with unique options not found with other carriers. Its home insurance pet coverage extends coverage to up to $500 for animals, including birds and fish.

Erie offers gift card and gift certificate reimbursement coverage for its ErieSecure Home policies. Customers may receive reimbursement for up to $250 per gift card purchased from businesses within 100 miles of their home, with a maximum of $500 per policy period.

Erie life insurance

Erie offers four life insurance products: term life, whole life, universal life and Erie’s exclusive ERIExpress Life. Erie’s term life insurance may be a good option for those who want a fixed coverage term and intend for the policy to pay for expenses that may be burdensome to loved ones, such as funeral costs and mortgage or credit card debt. Whole and universal life have no fixed terms, but universal life offers the most flexible death benefit. Erie’s unique ERIExpress Life policy may be ideal for people looking for a simplified application and fast approval.

Pros and cons of Erie life insurance

The best life insurance company may be different for everyone, and each policy type serves a different purpose. The following pros and cons may help you decide if Erie life insurance is right for you.

PROS

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Multi-policy discounts available for policyholders with a life and home or auto policy.
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ERIExpress may be available without a medical exam.
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Variety of policy types to choose from

CONS

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Only one rider advertised to customize coverage.
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Online quoting is not available
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Only writes policies in 12 states and the District of Columbia

Erie life insurance endorsements

Life insurance endorsements, also called riders, may modify and extend your life insurance coverage. Erie’s life insurance coverage only offers one rider, a long-term care rider. Erie’s long-term care rider is only available for universal and whole life insurance policies. The long-term care rider provides an accelerated death benefit, which pays a portion of your policy’s death benefit to help pay medical expenses incurred following a covered accident or illness that requires long-term care.

Erie life tools and benefits

Erie provides a life insurance calculator on its website to help customers decide which type of policy may best fit their needs. From there, customers can request to be paired with an independent Erie agent to get a quote.

Erie customer satisfaction

Researching third-party ratings may help you decide which insurer best fits your needs. J.D. Power produces annual car insurance and home insurance studies that rate and rank insurers based on their customer satisfaction. These include the national U.S. Auto Claims Satisfaction Study and more regional U.S. Auto Insurance Study.

Agencies such as AM Best, Moody’s and Standard and Poor’s analyze the financial strength of insurers and produce ratings that may indicate the financial strength of individual companies. Erie has earned an A+ (Superior) AM Best financial strength rating.

Lastly, the National Association of Insurance Commissioners (NAIC) produces an annual complaint index report to track the prevalence of complaints lodged against insurance companies. The index employs a baseline of 1.0. Scores below 1.0 indicate that a provider had fewer complaints than expected for a company its size and vice versa.

Erie auto satisfaction

In J.D. Power’s 2022 U.S. Auto Claims Satisfaction Study, Erie ranked third in the market, with an overall customer satisfaction score of 893 out of 1,000. More regionally, Erie came in first for overall customer satisfaction in the mid-Atlantic and North Central regions. Erie has an NAIC Complaint Index of 0.56 for its private passenger policies, indicating fewer customer complaints than expected for a company its size.

Erie homeowners satisfaction

Erie ranked above average in J.D. Power’s 2022 U.S. Home Insurance Study, earning an overall customer satisfaction score of 827 out of 1,000. Erie’s homeowner policies have an impressive NAIC Complaint Index of 0.09, indicating very few complaints from policyholders.

Erie life satisfaction

Erie wasn’t rated in the annual life insurance study conducted by J.D. Power, potentially due to the company’s small size when compared to national life insurance carriers. However, the Erie Family Life company, which underwrites Erie’s life insurance products, has an NAIC Complaint Index of 0.46, which is less than half of the 1.00 baseline. Based on this data, Erie’s life insurance customers may be satisfied with the service they receive, since fewer-than-average complaints were filed.

How to file a claim with Erie

Erie gives auto and home insurance policyholders two ways to file a claim. They can contact their Erie agent or call the 24/7 claims center at 800-367-3743. Life insurance customers can file a claim by contacting their Erie agent or by calling 800-458-0811.

Erie availability

Erie writes car and home insurance policies in the District of Columbia and the following states:

Illinois
Indiana
Kentucky
Maryland
New York
North Carolina
Ohio
Pennsylvania
Tennessee
Virginia
West Virginia
Wisconsin

Erie sells life insurance in the District of Columbia and all of the aforementioned states, except New York.

Other Erie perks worth considering

Erie also offers business insurance including business automobile insurance. Business policies may protect a variety of businesses, including breweries, contractors, religious organizations, retailers and veterinarians.

Erie also offers a long list of other insurance and financial products for customers, including:

Financial services: Erie offers Medicare supplemental coverage (Medigap) and retirement accounts, including annuities and individual retirement accounts (IRAs).
Renters, condo and mobile home insurance: Erie offers a variety of insurance policies for other dwellings and living situations.
Flood insurance: Erie sells standalone flood insurance policies for homeowners and business owners.
Personal valuables insurance: This coverage may be purchased to financially protect jewelry, art, sports equipment, collections, musical instruments and more.

Erie corporate sustainability

Through The Giving Network, Erie and its employees volunteer time and money with organizations focussed on community building, environmental responsibility and safety. These initiatives include partnering with United Way and American Red Cross, as well as supporting other culture and arts organizations, entrepreneurship, education and environmental responsibility. In November 2022, the provider’s The Giving Network awarded $50,000 in grants to 10 northwest Pennsylvania environmental organizations.

With the company’s ERIE Service Corps, employees are encouraged to use a full work-day volunteering in their local community. The Corps also has a matching donation program and established the H.O. Hirt Scholarship Fund and the F.W. Hirt Employee Emergency Fund to more immediately meet the financial needs of their community.

Not sure if Erie is right for you?

Erie offers a variety of auto, home and life insurance products, but it does not write policies in all states. If you live outside Erie’s service area or need an insurer that offers a more diverse portfolio of products, you might consider one of these carriers:

Erie vs. Allstate

Allstate sells car and homeowners policies in the District of Columbia, Puerto Rico and all states except New Jersey. While Erie extends a multi-policy discount to policyholders, Allstate offers more ways to potentially reduce your premium. For instance, if you switch to Allstate, you might earn up to a 10 percent discount, plus an additional 10 percent savings each time you renew your policy. Allstate also offers a robust mobile app that allows policyholders to file claims virtually.

Learn more: Allstate insurance review

Erie vs. Travelers

Unlike Erie, Travelers offers optional rideshare coverage and gap insurance. Travelers extends many potential home insurance discounts including potential discounts for purchasing a new home and owning a LEED-certified green home. However, Travelers ranks lower than Erie in the 2022 U.S. Home Insurance Study and does not sell life insurance products.

Learn more: Travelers Insurance review

Erie vs. AAA

AAA Life Insurance Company sells term life, universal life and whole life insurance policies. AAA’s traditional term life policies offer coverage up to $5 million and give you the option to add a child term endorsement, which provides up to $20,000 in coverage for each eligible child. AAA’s roadside assistance program is robust and enables you to request battery, flat tire, emergency fuel delivery, locksmith, mechanical first aid and towing services from the convenience of the AAA mobile app. Bear in mind that AAA coverages, discounts and optional coverages may vary by location.

Learn more: AAA insurance review

Is Erie a good insurance company?

Erie has excellent financial strength ratings and earned high marks in J.D. Power’s customer and claims satisfaction studies. Additionally, the provider has NAIC Complaint Indexes that are far lower than baseline.

While Erie includes some perks in its standard auto insurance policies, like roadside assistance and rental car reimbursement, the carrier falls behind in the market by not offering a comprehensive mobile app or telematics program.

Erie’s standard homeowners policies feature guaranteed dwelling replacement cost coverage, which most insurers only offer as an endorsement, but they extend few optional coverages and discounts. Overall, Erie offers a solid portfolio of auto, home and life insurance products, but the provider only writes policies in a handful of states.

Clock Wait

years of industry expertise

122

carriers reviewed

20.7K

ZIP codes examined

Dollar Coin

1.2M

quotes analyzed

Methodology

Bankrate utilizes Quadrant Information Services to analyze 2023 rates for ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates are based on 40-year-old male and female homeowners with a clean claim history, good credit and the following coverage limits:

Auto

$100,000 bodily injury liability per person
$300,000 bodily injury liability per accident
$50,000 property damage liability per accident
$100,000 uninsured motorist bodily injury per person
$300,000 uninsured motorist bodily injury per accident
$500 collision deductible
$500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. Our sample drivers own a 2021 Toyota Camry, commute five days a week and drive 12,000 miles annually.

Age: Rates were calculated by evaluating our base profile with the ages 16-60 (base: 40 years) applied. Depending on age, drivers may be a renter or homeowner. Age is not a contributing rating factor in Hawaii and Massachusetts.

The rates for drivers ages 16–20 added to their parent’s policy reflect the good student and driver’s training discounts applied. The rates for drivers aged 16-20 on their own policy do not include the good student and driver’s training discounts. Additionally, 25-year-old rates are based on the driver as a renter and 30+ on the driver as a homeowner.

Incidents: Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), single speeding ticket and single at-fault accident.

Homeowners

Coverage A, Dwelling: $150,000, $250,000, $350,000, $450,000, $750,000
Coverage B, Other Structures: $15,000, $25,000, $35,000, $45,000, $75,000
Coverage C, Personal Property: $75,000, $125,000, $175,000, $225,000, $375,000
Coverage D, Loss of Use: $30,000, $50,000, $70,000, $90,000, $150,000
Coverage E, Liability: $300,000, $300,000, $300,000, $300,000, $500,000
Coverage F, Medical Payments: $1,000

The homeowners also have a $1,000 deductible and a separate wind and hail deductible (if required).

These are sample rates and should be used for comparative purposes only. Your quotes will differ.

Bankrate Scores

Our 2023 Bankrate Score considers variables our insurance editorial team determined impacts policyholders’ experiences with an insurance company. These rating factors include a robust assessment of each company’s product availability, financial strength ratings, online capabilities and customer and claims support accessibility. Each factor was added to a category, and these categories were weighted in a tiered approach to analyze how companies perform in key customer-impacting categories.

Like our previous Bankrate Scores, each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. This year, our 2023 scoring model provides a more comprehensive view, indicating when companies excel across several key areas and better highlighting where they fall short.

Tier 1 (Cost & ratings): To determine how well auto and home insurance companies satisfy these priorities, 2023 quoted premiums from Quadrant Information Services (if available), as well as any of the latest third-party agency ratings from J.D. Power, AM Best and the NAIC, were analyzed.
Tier 2 (Coverage & savings): We assessed companies’ coverage options and availability to help policyholders find a provider that balances cost with coverage. Additionally, we evaluated each company’s discount options listed on its website.
Tier 3 (Support): To encompass the many ways an auto and home insurance company can support policyholders, we analyzed avenues of customer accessibility along with community support. This analysis incorporated additional financial strength ratings from S&P and Moody’s and factored a company’s corporate sustainability efforts.

Tier scores are unweighted to show the company’s true score in each category out of a possible five points.

Source: thesimpledollar.com

Apache is functioning normally

May 25, 2023 by Brett Tams

.kb-table-of-content-nav.kb-table-of-content-id_88a319-9a .kb-table-of-content-wrappadding:23px 23px 23px 23px;background-color:#f9fafa;border-color:#cacaca;border-width:1px 1px 1px 1px;.kb-table-of-content-nav.kb-table-of-content-id_88a319-9a .kb-table-of-contents-titlefont-size:14px;line-height:18px;letter-spacing:0.06px;font-family:-apple-system,BlinkMacSystemFont,”Segoe UI”,Roboto,Oxygen-Sans,Ubuntu,Cantarell,”Helvetica Neue”,sans-serif, “Apple Color Emoji”, “Segoe UI Emoji”, “Segoe UI Symbol”;font-weight:700;text-transform:uppercase;.kb-table-of-content-nav.kb-table-of-content-id_88a319-9a .kb-table-of-content-wrap .kb-table-of-content-listcolor:#001c29;font-size:14px;line-height:21px;letter-spacing:0.01px;font-family:-apple-system,BlinkMacSystemFont,”Segoe UI”,Roboto,Oxygen-Sans,Ubuntu,Cantarell,”Helvetica Neue”,sans-serif, “Apple Color Emoji”, “Segoe UI Emoji”, “Segoe UI Symbol”;font-weight:inherit;.kb-table-of-content-nav.kb-table-of-content-id_88a319-9a .kb-table-of-content-wrap .kb-table-of-content-list .kb-table-of-contents__entry:hovercolor:#16928d;.kb-table-of-content-nav.kb-table-of-content-id_88a319-9a .kb-table-of-content-list limargin-bottom:7px;.kb-table-of-content-nav.kb-table-of-content-id_88a319-9a .kb-table-of-content-list li .kb-table-of-contents-list-submargin-top:7px;.kb-table-of-content-nav.kb-table-of-content-id_88a319-9a .kb-toggle-icon-style-basiccircle .kb-table-of-contents-icon-trigger:after, .kb-table-of-content-nav.kb-table-of-content-id_88a319-9a .kb-toggle-icon-style-basiccircle .kb-table-of-contents-icon-trigger:before, .kb-table-of-content-nav.kb-table-of-content-id_88a319-9a .kb-toggle-icon-style-arrowcircle .kb-table-of-contents-icon-trigger:after, .kb-table-of-content-nav.kb-table-of-content-id_88a319-9a .kb-toggle-icon-style-arrowcircle .kb-table-of-contents-icon-trigger:before, .kb-table-of-content-nav.kb-table-of-content-id_88a319-9a .kb-toggle-icon-style-xclosecircle .kb-table-of-contents-icon-trigger:after, .kb-table-of-content-nav.kb-table-of-content-id_88a319-9a .kb-toggle-icon-style-xclosecircle .kb-table-of-contents-icon-trigger:beforebackground-color:#f9fafa;

According to The Vision Council of America, approximately 164 million Americans wear eyeglasses. Additionally, the average consumer reports spending nearly $130 for their frames, and almost 40% of wearers have two or more pairs of glasses.

Considering how expensive glasses are and the fact that they’re a necessity, it’s unsurprising it’s a $131 billion industry in the United States.

Thankfully, there are ways to save money on contact lenses and glasses if you know where and how to shop. Like many industries, online retailers make it easier to find high-quality prescription glasses at affordable prices. Plus, there are affordable in-store eyewear options if you know where to look.

Where to Buy Affordable Eyeglasses

There’s no reason to pay full price for your next frame upgrade or new pair of glasses. Each of these retailers offers great deals on affordable eyewear.

1. GlassesUSA

Limited time offer: Save 50% off frames for eyeglasses and sunglasses with basic Rx lenses + Free shipping to your doorstep. Some exclusions apply. Use coupon code MONEY-CRASHERS-50 at checkout.

Pros: Large clearance section; free shipping; student discount; extensive vision insurance network
Cons: Eyewear that isn’t on clearance isn’t as affordable as other options; expensive progressive lenses
Verdict: Check GlassesUSA for sales before buying from other online eyewear stores, but stick to their clearance section for savings

GlassesUSA is one of the most affordable ways to buy eyeglasses online. Glasses USA also carries contact lenses and sunglasses, but prescription eyewear is where this website shines. If you shop on clearance, you can get frames up to 60% off and 25% off prescription lenses.

GlassesUSA carries a range of brands and frame styles for adults and kids, including designer name-brand glasses like Ray-Ban, Coach, Oakley, and Givenchy. Use coupon code MONEYCRASHERS40 at checkout to save 40% on select adult designer frames, including Gucci, Prada, and Versace.

You can also buy blue-light-blocking glasses for any prescription for $29 extra. These glasses have lenses that filter emissions from electronic devices, reducing eyestrain.

Once you select a frame style, you can use a virtual mirror to see how the glasses suit your face shape. This feature requires uploading a photo or using your webcam. If you’re happy with the frame, choose your new lens type and submit your prescription before ordering. You can provide your prescription manually or upload a photo.

Frames start at $19 on clearance. Regular frames start at $39 but can range to several hundred dollars for designer pairs. Lens pricing varies depending on their type, although some lenses are included with the frame price:

Single Vision: Included in frame pricing
Near Vision: Included in frame pricing
Progressive: $94
Bifocal: $99
Nonprescription: Included in frame pricing

You can also upgrade your lens package if you want to add coatings for scratch resistance, ultraviolet (UV) protection, and antireflection. It costs approximately $10 to $30 more to upgrade bifocal lenses to the thinnest, highest-quality lenses. Upgrading progressive lenses costs an additional $20 to $60.

Finally, you can upgrade to transition lenses for $149 or buy prescription sunglass lenses with a color tint for an additional $29 or mirrored tint for $49.

GlassesUSA works with numerous vision insurance providers, including United Healthcare, Cigna, Davis Vision, Aetna, and Humana. You can also refer friends to GlassesUSA for a free Amazon gift card ($10), and the person you refer gets 10% off their first order.

For shipping, U.S. and Canadian orders are free. Most prescriptions take three to four business days to process. If you don’t like your glasses, you can return them for free within 14 days of arrival. This return policy makes GlassesUSA a risk-free way to buy eyeglasses online.

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2. Warby Parker

Pros: Free shipping; high-quality eyewear at a reasonable price; extensive vision insurance network; offers lens replacements
Cons: Not the cheapest eyewear option
Verdict: Shop at Warby Parker if you want eyewear with a designer feel that’s still affordable, especially if you have insurance, and to utilize their free at-home try-on service

Unlike online eyeglass retailers, Warby Parker sells both online and in dozens of retail locations throughout the U.S. and Canada. Warby Parker isn’t the cheapest option for eyewear. But if you’re looking for designer quality and affordability, Warby Parker is still a contender.

Prescription eyeglasses start at $95 for adults, and this price includes single-vision lenses. Progressive lenses are an additional $200. Lenses are scratch-resistant, antireflective, and have UV protection. You can upgrade to blue-light-protective lenses for $50 or add transition lenses for $100.

Warby Parker also carries prescription sunglasses that start at $195 for single-vision lenses. Sunglasses with progressive lenses cost $375.

Orders have free shipping and returns, and you can also book an eye exam, including a contact lens fitting, for $75.

Warby Parker is certainly more expensive than websites like EyeBuyDirect. However, if you see how Warby Parker glasses are made, the price makes sense. Every frame is hand-assembled and polished and uses premium materials.

If you’re not satisfied with your pair, you have 30 days to return them for a full refund or exchange. You also have a one-year no-scratch guarantee for all eyewear.

Warby Parker can also replace your lenses if your prescription changes. Replacement fees vary depending on your prescription and the lenses you select, and this service is only available for Warby Parker frames.

But Warby Parker goes beyond virtual try-ons that the other websites use. Simply complete a short home try-on quiz, pick five frames you’re considering, and get them shipped to your home. When you find the right fit, finish your purchase online and ship the frames back to Warby Parker for free. Warby Parker ships to customers in the U.S., Guam, Puerto Rico, and Canada.

If you want to buy quality eyeglasses while on a budget, Warby Parker is an excellent choice. The prices won’t compete with the cheapest eyeglass options, but with Warby Parker, you get what you pay for.

Additionally, Warby Parker partners with 10 vision insurance providers, so your purchase might be eligible for coverage.

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3. EyeBuyDirect

Pros: Some of the cheapest eyewear available; free shipping; student and veteran discounts; loyalty program
Cons: No free shipping unless you spend $99 or more; doesn’t accept vision insurance
Verdict: Shop at EyeBuyDirect if you’re a student or veteran or can make use of their loyalty program bonuses

EyeBuyDirect is another affordable option to buy eyeglasses online. It’s a worthwhile option if you’re shopping for higher-end brands on a budget.

EyeBuyDirect only sells three brands: Ray-Ban, Oakley, and their exclusive brand RFLKT. However, there’s still plenty of frame variety to choose from for adults and kids. Additionally, if you shop for sales, you can find eyeglasses for up to 50% off.

If the sales section is still too pricey, EyeBuyDirect also sells cheap glasses that rival Zenni Optical’s $6.95 pairs. This category has a range of eyeglass frames between $6 and $15, and standard lenses cost $30.95. Bifocal lenses are $29, and progressive lenses are $49. There’s also a range of customization options, like lens tinting and blue-light blocking, but you can keep costs down if you stick with the basics. Blue-light-blocking lenses start at $49, mirrored sunglasses start at $19, and transition lenses start at $99.

You also have options for coating upgrades. Standard lenses come with anti-scratch and antireflective coatings. However, there are three other lens options available:

Value Lenses: Up to 25% thinner than standard lenses; adds UV protection; $45.90 more
Advanced Lenses: Up to 35% thinner than value lenses; adds UV protection; $99.90 more
Premium Lenses: Up to 25% thinner than value lenses; adds UV blocking, anti-smudge, and dust- and water-repellent coatings; $134.90 more

Upgrading to thinner lenses with different coatings can increase the cost quite significantly.

However, EyeBuyDirect keeps prices low by shipping directly from their manufacturers to your door. If you join the free loyalty program by spending at least $75 within a year, you also unlock:

A buy-one, get-one offer on your birthday
15% off sitewide on your account anniversary
30% off sitewide each quarter
A free eyeglasses case
Early access to new collections and 15% off

You can also enjoy a 20% student discount or veteran discount if you qualify.

Like Zenni Optical, EyeBuyDirect doesn’t accept insurance, so check with your vision care provider before shopping to see if they can reimburse you.

Regular U.S. shipping costs $5.95 unless your order is $119 or more. EyeBuyDirect also ships internationally starting from $19 ($9.95 to Canada). You have 14 days to make a return for a replacement or refund. Your glasses are also covered for one year if there are evident defects in material and build.

If you don’t mind the lack of brands and want incredibly affordable eyeglasses, EyeBuyDirect is one of the best websites to shop.

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4. Zenni Optical

Pros: $6.95 eyewear is one of the cheapest options
Cons: No free shipping; no complete refund policy; doesn’t accept vision insurance
Verdict: Shop at Zenni if you aren’t picky about your frame options and want to keep costs as low as possible

With prices starting at $6.95 for single-vision prescription glasses, it’s hard to find a more affordable solution for eyewear than Zenni Optical.

Like Glasses USA, Zenni Optical carries various frame styles for adults and kids. In fact, there are thousands of frame designs. Plus, unlike many online glasses retailers, Zenni Optical also manufactures their own eyeglasses.

That cuts out intermediaries and the need to hold massive amounts of inventory, which is why Zenni Optical is so affordable. Once you find a design that appeals to you, you can also complete a virtual try-on to confirm you like the fit.

You must provide your pupillary distance (PD) to order glasses. However, measuring your PD is easy if your eye doctor hasn’t already done so. If you’ve never worn glasses before, you can also use the sizing chart to find the right fit. To finalize an order, enter your prescription information and confirm.

Prices include the frame, basic thin and single-vision prescription lenses, anti-scratch coating, and UV protection. You can add blue-light-blocking lenses to almost any Zenni frame starting at $16.95. Progressive lenses start at $27.95, and bifocals start at $17. You can also add a sunglass tint for free, though the premium tint option is $29.95.

Zenni Optical doesn’t accept insurance. However, if you have vision insurance, check with your provider to see if they will reimburse your total purchase from Zenni Optical or cover vision expenses up to a certain amount.

Standard U.S. shipping costs $4.95, and orders take 14 to 21 days to arrive. Zenni Optical also ships internationally. You have 30 days from receiving your glasses to make a return for a 50% refund or one-time 100% store credit reimbursement. If there is a manufacturing error or damage, you receive a full refund under the 30-day warranty.

If you’re looking for designer glasses or an extensive list of name brands, this website isn’t for you. However, if you want to buy cheap glasses online, it’s hard to beat a starting price of $6.95 for frames and low prices on both progressive and bifocal lenses.

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5. Eyeconic

Pros: Free shipping; a range of 10% discounts; benefits for certain vision insurance providers
Cons: Limited clearance section and expensive lens upgrades
Verdict: If you have vision insurance with Eyeconic partners or want to take advantage of a 10%-off bonus, shop at Eyeconic

If you prefer certain name-brand eyewear or want variety, Eyeconic offers more choice than most online eyewear retailers. In fact, Eyeconic carries nearly 50 brands for adults and kids, including Cole Haan, Columbia, Jones New York, Kate Spade, Oakley, and Saint Laurent.

Frames start at around $120 unless you find a sale. This price includes single-vision lenses with scratch-resistant coating and UV protection. Progressive lenses add approximately $60 to $70 to the price, depending on your frames. Unfortunately, prescription sunglasses don’t include free prescription lenses, and the cheapest pair of single-vision-lens sunglasses starts at around $170.

If you want an antireflective coating and impact-resistant lenses, you can also upgrade to the gold lens package for about $100. The platinum lens package is $145 extra and includes Eyeconic’s thinnest lenses. Finally, you can upgrade to blue-light-protective lenses or transition lenses for $100.

If you shop on clearance, you can usually find pairs from designer brands for between $100 and $150. Clearance inventory isn’t where Eyeconic shines, and the selection is admittedly limited. However, where Eyeconic differs from the competition is in their eyewear discounts. Though subject to change at any time, current discounts include:

10% off your first order after signing up for Eyeconic’s newsletter
10% off for students, teachers, military members, first responders, and seniors
Free frame adjustment at participating in-network doctors
20% off on eyewear for VSP, MetLife, and Cigna members
$40 or more in credits for VSP, MetLife, and Cigna members for connecting their vision insurance to their Eyeconic account

Eyeconic also states that VSP, MetLife, and Cigna members can save up to $220 on eyewear and contacts. Vision insurance is the best way to save money on eyewear at many retailers, but Eyeconic promotes these savings across their website.

If you have vision insurance with a different provider, you can complete an out-of-network claim form and still benefit from coverage. Note that an out-of-network claim doesn’t guarantee a discount or up to $220 in savings if your provider doesn’t have the same arrangement with Eyeconic.

Standard ground shipping is free. Currently, Eyeconic only ships within the U.S.

Eyeconic isn’t the cheapest way to buy eyeglasses online if you don’t have vision insurance. However, between their 10% discount and vision insurance promotions, it’s an excellent option for VSP-, MetLife-, and Cigna-covered individuals looking specifically for designer eyewear.

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6. Eyebobs

Pros: Free U.S. shipping; high-quality readers you can wear that all day; variety of lens upgrades; one-on-one style consultations to help you find the right eyewear
Cons: Single-vision and progressives are on the pricier side
Verdict: Shop at Eyebobs if you want high-quality readers you can wear all day

Eyebobs is another option to buy affordable eyeglasses for adults, especially if you’re looking for high-quality reading glasses.

Readers start at $95 at regular pricing and $49 when on sale. Overall, Eyebobs has more variety for readers than most online eyewear retailers that focus on prescription glasses. According to its website, Eyebobs is the No. 1 premium reader brand. And its all-day readers have a progressive lens with your reader magnification at the bottom part of the lens, half the magnification in the middle, and no magnification at the top. That means you can wear the same pair of readers while reading a book, typing at your computer, or socializing with friends.

Blue-light readers start at $135, and all-day readers start at $155. You can also find dozens of stylish designs for blue-light glasses and sunglasses starting at $95 if you want more than reading glasses.

For prescription eyewear, Eyebobs is on the pricier side versus the cheapest eyewear retailers, with glasses starting at $245 for single-vision prescriptions and $345 for progressives. Glasses come with coatings for scratch-resistance, antireflection, and UV protection. You also have several upgrades available:

Thinner lenses for $50
Blue-light-blocking lenses for $40
Transition lenses for $90
Polarized lenses for $90

There’s a webcam-powered virtual try-on option that lets you see how most frames fit your face. Eyebobs also has a 10-question style quiz that asks about your face structure, reading habits, and style preferences to find the perfect pair. Finally, you can book a one-on-one virtual Zoom consultation with an Eyebobs team member to find the right eyewear.

U.S. shipping is free, and international shipping rates vary depending on the country. U.S. customers can return or exchange unused eyewear within 90 days for free. International customers also have 90 days for returns or exchange but have to pay for shipping. Eyebobs doesn’t accept vision insurance payments but recommends checking with your provider to see if your purchase is eligible for reimbursement.

Eyebobs isn’t the most affordable choice if you want a cheap pair of prescription eyewear with single-vision or progressive lenses. But for premium readers, Eyebobs certainly stands out from the competition with more frame variety and lens upgrade options.

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7. Costco Optical

Pros: In-store optometrists; free shipping on orders of $75 or more; accepts most vision insurance plans
Cons: Not the cheapest eyewear option; requires an annual Costco membership
Verdict: Shop at Costco Optical if you already have a Costco membership and prefer buying eyewear in person or need to see an optometrist

For many households, shopping at Costco is an easy solution to save money by buying in bulk without sacrificing on quality. Warehouse stores generally charge a lower markup than regular retailers, which is why a warehouse membership is often worth it.

A basic Costco membership is $60 per year. However, if you plan to shop at Costco Optical in addition to the regular warehouse, the cost is easily worth it.

Costco isn’t as cheap as online retailers like Zenni Optical. According to Clark.com, the price of an entry-level pair of single-vision glasses at Costco is approximately $126, though this is subject to change over time and between stores. However, when you consider the quality of service and availability of Costco, it’s easy to see why Costco Optical is a popular choice for those who prefer shopping for eyewear in person.

You can also shop online at Costco Optical. However, you need an up-to-date prescription, and the risk of buying the wrong frame is higher than shopping in the store. At Costco, you have trained opticians to assist you at every step, from your eye exam to finding the right frame.

Costco accepts most vision insurance plans. You can shop for a range of brand-name and designer frames, like Oakley and Balmain. Costco also carries Kirkland Signature HD progressive lenses, which are antireflective and provide higher-definition vision at any distance.

If you don’t shop at Costco and would only use your membership for optical purchases, the cost probably isn’t worth it. However, when you consider the quality of service and multiple ways to save money at Costco, their optical center is an affordable option for members.

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8. Sam’s Club Optical

Pros: Free shipping; 20% off eyewear with plus membership; in-store optometrists
Cons: Requires an annual Sam’s Club membership
Verdict: Shop at Sam’s Club if you already have a membership there and don’t have vision insurance to take advantage of a 20% discount

Sam’s Club is an affordable way to buy everything from electronics and furniture to office supplies, groceries, and sporting goods. A basic membership only costs $45 per year. You can also buy the plus membership for $100 and earn 2% cash back on select purchases, enjoy free shipping, and get free select prescriptions.

But the plus membership also provides 20% off a pair of prescription eyeglasses or prescription sunglasses at regular price. Unfortunately, the offer doesn’t apply if you use vision insurance.

The optical center is also more affordable than Costco’s, though pricing is subject to change. Designer frames with nonglare, single-vision lenses start as low as $59. According to Consumer Reports, you can find basic progressive lenses at Sam’s Club for as low as $79. You can also change your lenses and frames to suit your needs. Lens options like Pentax are similar to Kirkland Signature HD progressive lenses, and options like UV protection and adaptive lenses are available.

You can’t purchase prescription eyewear online with Sam’s Club. However, like Costco, Sam’s Club has on-site optometrists, so you can schedule an eye exam. Sam’s Club generally accepts popular vision insurance plans but states that you should contact your local Sam’s Club to check eligible providers.

If you want to save money on everyday purchases alongside eyewear, signing up for a Sam’s Club membership is undoubtedly worth the money.

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9. 39DollarGlasses

Pros: 4% cash-back rewards program; extensive vision insurance network; offers lens replacements
Cons: No free shipping unless you spend $99
Verdict: Shop at 39DollarGlasses during a sale period or if your household can take advantage of the EyeBucks rewards program with multiple purchases

If you want a happy medium between $6.95 eyeglasses from Zenni Optical and more expensive in-store brands, 39DollarGlasses is for you.

As the name suggests, 39DollarGlasses carries a variety of prescription glasses for $39. Prescription sunglasses are only $48.95. All eyewear purchases include single-vision lenses, and regular bifocals and progressive lenses cost $80.

You can also add lens customizations like HD light and thin or polarized lenses. For single-vision glasses, it’s possible to stay at $39 if you don’t add customizations. Otherwise, expect to pay at least $100 to $150 for a pair of prescription eyewear. Blue-light-protective lenses are also available for an extra $50.

This retailer also offers lens replacement. Just enter details about your frame, lens type, and whether you want upgrades like blue-light protection. The base price for lenses is still $39, although bifocals and progressives cost at least $80. There’s also a $14.95 lens replacement fee. Ultimately, it can save some money if you have expensive frames and just need to fix broken lenses or receive a new prescription.

You can save more money by joining the EyeBucks rewards program. Once you make a purchase, you’re automatically enrolled. This loyalty program pays 4% of eyeglasses purchases in cash-back account credits, and credits don’t expire.

Shipping is free if you spend more than $99. Otherwise, regular shipping costs $4.95, and most orders arrive within two weeks. The company also ships internationally. For returns, you have 90 days to seek in-store credit after delivery. If you want a refund, you only have 30 days, and shipping charges are nonrefundable.

The company occasionally offers coupon codes and seasonal bonuses, so remember to visit their website when shopping around for a new pair of eyewear. The company also partners with 10 vision insurance providers, including Aetna, EyeMed, Humana, and Avesis.

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10. DiscountGlasses.com

Pros: Free shipping; affordable starting frames; offers lens replacements
Cons: Fewer options for lens coating customization; no blue-light protection for progressive lenses
Verdict: DiscountGlasses.com has a competitive clearance section, although there are fewer frame options on sale than websites like Glasses USA

DiscountGlasses.com is another affordable online eyewear retailer that carries over 1,000 designs for adults and kids. Plus, with frames starting under $15 on clearance and under $30 for nonclearance frames, DiscountGlasses.com has an affordable entry point for eyewear.

Pricing includes single-vision lenses. You can upgrade to thin or ultra-thin lenses for an extra $20 or $50, respectively. Basic progressive lenses cost an additional $60, meaning you can find progressive lens eyewear for less than $100 if you buy the cheapest non-clearance frames. Thin and ultra-thin progressive lens upgrades cost about $20 and $50, respectively.

There are also several upgrades available for your lenses:

Blue-Light Protection: Only available for single-vision lenses for about $20 extra
Transition Lenses: Available for single-vision and progressive lenses for about $80 extra
Sun Tint: Turn eyeglasses into sunglasses with UV protection for about $5
Antireflective Coating: Costs an additional $20

DiscountGlasses.com also carries prescription sunglasses starting under $30 on clearance and under $50 for nonclearance frames. Lenses start at around $10 extra, although you can upgrade to thin and ultra-thin lenses for about $30 and $50 extra, respectively. Adding polarized lenses costs an additional $10.

Plus, DiscountGlasses replaces lenses for free within one year of your purchase if your doctor changes your prescription due to vision problems you’re experiencing with your current pair of eyewear.

DiscountGlasses.com states they are an out-of-network provider for most insurance plans, including Davis Vision, EyeMed, Spectra/United Healthcare, and VSP. If you shop at DiscountGlasses.com, check with your current vision care provider to see if you have coverage.

Standard U.S. shipping is free with DiscountGlasses.com, regardless of your order total, which is a plus. There’s also a 365-day return policy under which you can return eyewear for store credit or a replacement pair if you’re unsatisfied with your eyewear.

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11. Lensabl

Pros: Free U.S. shipping; extensive upgrade options; free blue-light protection; offers lens replacements; more affordable than some of the competition
Cons: Not a huge selection of bifocals
Verdict: If you want extensive prescription upgrades, Lensabl is for you; may not be the best option for those who need bifocals

Like Warby Parker, Lensabl offers regular and designer eyewear at affordable prices. While this isn’t the cheapest eyewear retailer, prices are comparable to Warby Parker, though some frames are totally free with a lens purchase. Plus, in terms of lens upgrades, Lensabl has more selection than the competition.

Single-vision prescription with frames and lenses start at $97, and progressives start at $197. You can also find designer frames from brands like Toms and Grey Ant, but those generally cost around $200 to $250. Additionally, bifocals aren’t an option for most frame types and are usually only available in premium brands, not the $97 starter prescriptions.

Upgrade options include:

Premium Progressive Lenses. These high-definition, wide-corridor progressive lenses have a wider reading area compared to normal progressive lenses. This upgrade costs $327 in total.
High-Index Lenses. This single-vision prescription upgrade to 25% thinner lenses costs $50 more.
Transition Lenses. These lenses adapt to light, darkening when you’re outdoors and remaining light while inside. This upgrade costs an additional $60.
Trivex Lenses. These impact- and shatter-resistant lenses cost an additional $60.
Premium Coating Package. Get scratch resistance, smudge resistance, UV protection, and a hydrophobic (water-repellant) coating for $40 more.
Premium Coating and Antifog. Antifog protection plus everything from the premium coating package costs $75 more.
Crizal Prevencia AR. All premium coatings, superior scratch resistance, antifog protection, and blue-light protection costs $125 more.
Edge Polishing. Edge polishing helps lenses appear thinner, making it popular for prescriptions with thicker lens edges to enhance their cosmetic appearance. However, polishing can cause more reflections and overall light to enter, so it’s best to pair this with an antireflective coating. Polish the edges of rimless glasses for $15 or polish and roll the edges of rimless glasses for $25.

Ultimately, Lensabl’s various coating options let you upgrade your prescription to suit your needs. It’s also worth noting that blue-light protection is available for free, which is a nice touch since most retailers charge extra for it.

Lensabl also carries contact lenses and prescription sunglasses. Like regular prescription eyewear, single-vision sunglasses start at $97 and progressive prescription sunglasses start at $197. Night lenses that are 50% orange-tinted help block blue light are also available for $127 for single-vision prescriptions and $227 for progressive prescriptions.

Another convenient feature Lensabl offers is lens replacement. If you damage your lenses, you can send your glasses to Lensabl for repair and receive your glasses back within four to seven business days. Lens replacement starts at $77 for single-vision prescriptions. Progressive lenses cost $197 and bifocals cost $127. Various coating upgrades or thinner lenses are regular price for lens replacement.

Lensabl doesn’t accept vision care insurance as payment. However, some vision care partners allow you to submit your invoice for reimbursement. Lensabl partners include VSP, Atena, United Healthcare, Cigna, Humana, and EyeMed.

U.S. shipping is free, and Canadian shipping is $35. You can’t return eyewear, although remakes are free if there’s a defect with your prescription or they were made incorrectly. You have 30 days to ask for a remake.

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12. Felix Gray

Pros: Free U.S. shipping; high-quality blue-light blocking eyewear
Cons: Bifocal and progressive lenses unavailable; lack of lens customization options
Verdict: Felix Gray is your best option if you want single-vision prescription eyewear with leading blue-light blocking technology

Unlike other eyewear retailers, every pair of eyewear from Felix Gray comes with blue-light blocking technology. If you’re always staring at a screen because of an office or remote job or just have a lot of screen time in general, Felix Gray’s commitment to digital wellness is a selling point.

There are two primary eyewear lines at Felix Gray:

Clear Lens. Felix Gray says these are the best lenses for anyone experiencing headaches, blurry vision, or eyestrain. According to Felix Gray, these lenses also filter out 15 times more blue light than other blue-light-blocking brands.
Amber Lens. Eyewear in this line is best for anyone experiencing headaches, blurry vision, difficulty sleeping, and eyestrain. Felix Gray says these lenses are clinically proven to improve sleep and filter out 23 times more blue light than other brands. If you stay up late watching TV or are on your phone or laptop before bed, this is the right line for you.

Eyewear styles are available for adults and kids. Prescriptions for Clear lens eyewear start at $145, while Amber prescriptions start at $195.

Felix Gray only offers single-vision prescription, reading glasses, and nonprescription eyewear. Unfortunately, that means you can’t order bifocals or progressives. But Felix Gray says it can fulfill single-vision prescriptions from minus 6.00 to plus 4.00 and prescriptions that have an add power, which increases lens power.

Ultimately, that makes Felix Gray less flexible than other eyewear retailers. But if you wear a single-vision or reading prescription or nonprescription glasses and want the best blue-light-blocking technology, it’s an excellent choice.

You can use a virtual try-on tool that uses your computer’s webcam to demonstrate how the frames fit your face. You also get free shipping, returns, exchanges, and a 30-day money-back guarantee, allowing you to try Felix Gray without any risk. Eyewear also has a one-year manufacturer’s warranty that protects against defects in material, design or manufacture, coating, and cracks.

Customers in Canada and Mexico have to shop through Amazon for Felix Gray eyewear. But if you’re a Prime member, you can still enjoy free shipping. International customers shop through MyUS.com to buy Felix Gray glasses at variable shipping rates, depending on where they live.

Felix Gray doesn’t accept vision insurance directly, but you can submit a reimbursement request if you have vision insurance. Felix Gray suggests checking with your provider to see if blue-light lenses are eligible for coverage and if eyewear needs a minimum magnification to qualify.

If you want to buy cheap prescription eyewear and save as much as possible, Felix Gray isn’t the right fit. But for single-vision prescriptions with leading blue-light blocking technology, Felix Gray is your best choice.

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13. Swanwick

Pros: High-quality, scientifically proven blue light blocking capabilities; prescription grade CR-39 lens; free shipping on orders over $50
Cons: Great selection for blue light blockers but limited otherwise
Verdict: Swanwick is your best choice for blue light blocking and filtering glasses that help you fall asleep more easily, wake up feeling refreshed, and manage eye strain throughout the day.

Swanwick specializes in blue light blocking glasses with scientifically proven benefits for people with eye strain and sleep issues. Its product lineup includes:

Night Swannies specifically designed for use before bed and during sleep periods
Day Swannies, which filter blue light throughout the day without sacrificing vision clarity or contrast
Prescription Swannies featuring CR-39 lenses
Readers and fitovers with blue light filtration capabilities
Kids Swannies built to fit kids of all ages
Polarized sunglasses with blue light blocking capabilities

Swanwick also sells accessories like glasses cases and sleep aids like eyemasks and aromatherapy diffusers. Pricing is very competitive and shipping is free on orders over $50.

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Final Word

Unless you get laser eye surgery, spending money on eyeglasses or contacts is an inevitable part of your annual budget.

Vision care is expensive. However, you don’t have to pay full price for eyewear or let expensive designer frames drain your bank account. If you shop for deals and understand your health insurance coverage, it’s easy to buy discount eyeglasses that are both stylish and affordable.

Just remember to schedule regular eye exams to ensure your prescription is up to date. The cost of an eye exam is worth ensuring your prescription actually helps your vision, and you can make up the cost by never overpaying for eyewear again.

Tom is a freelance writer originally from Toronto, Canada. Tom’s passion for finance and discovering methods to make money originally sparked in college when he was trying to make ends meet on a tight budget. Outside of freelance writing, Tom also manages the blog This Online World – a personal finance website dedicated to helping young adults make and save more money.

Source: moneycrashers.com

Apache is functioning normally

May 25, 2023 by Brett Tams

While everyone understands the importance of life insurance, very few people follow through and actually purchase a plan. Nobody wants to think about his or her own death, but not planning for it is an awful mistake.

It can be daunting to obtain life insurance after you have had a major illness.

High deductibles and even higher premiums can make getting decent insurance seems almost impossible.

However, breast cancer survivors are becoming more and more insurable thanks to medical advancements and a stronger prognosis and survival rate.

It is not likely that you will be able to obtain an insurance policy if you are currently being treated for cancer or undergoing chemotherapy or radiation, or if you have been diagnosed with advanced stage breast cancer.

However, if you have been diagnosed with stage one breast cancer, the outlook on obtaining life insurance with cancer is much better.

For more advanced cancer, say, stage 2 or above, some life insurance companies may require that you have been in remission for at least 3 years. At the very minimum, they may require that three years have passed since your last treatment without signs of advancement.

New Research on Breast Cancer Favorable for Life Insurance Applicants

However, new research has shown that many breast cancer survivors can have a mortality rate that very closely matches the general population. In other words, being a breast cancer survivor does not mean that your life expectancy is shorter than someone who has not been diagnosed and treated for breast cancer, provided you seek proper treatment.

This does not mean that if you have been diagnosed with breast cancer you have to wait years to get the cheap term life insurance or should expect massive premium increases, though. More and more often, early detection and treatment are the keys to survival, and since awareness has increased, screenings are more common, and treatments have improved, it is completely possible to have a very good prognosis as a breast cancer survivor, allowing you to obtain life insurance, or even switch companies if your companies rates begin to skyrocket.

Declined for Life Insurance? Don’t Get Discouraged

Don’t be discouraged if you get turned down initially. Some companies shy away from insuring “high risk” clients, including those with medical diagnosis such as cancer, but also those with high-risk jobs (offshore workers) or poor family history (generations of heart disease).

This does not mean, though, that you as a breast cancer survivor are necessarily high risk to insure, and many companies are starting to recognize that.

Some companies are better for high-risk applicants. These high-risk companies have tons of experiencing working with breast cancer applicants and can give you a quality and affordable life insurance policy.

Client Case Study

We had a female client that was looking for burial expense and to pay off her mortgage. She was initially diagnosed with Stage I breast cancer in 1986 and then had a mastectomy. In 1993 she had radiation and oral chemo therapy for 5 years. According to her doctor, she’s currently Stage 0. She gets regular mammograms and even more importantly has no family history of breast cancer.

Note: For a female applying for life insurance that doesn’t have breast cancer, she can still be rated if her mother was diagnosed with it. Even more so if it was a young age.

In this women’s case, our underwriter felt comfortable rating her at Standard (possibly Standard Plus) since the occurrence was well over 10 years ago.

Many of the top term life insurance companies are now changing their underwriting guidelines so that even clients with a history of breast cancer diagnosis and treatment can obtain a more favorable rating. A more favorable rating means less of a wait to obtain insurance, as well as lowered premiums and deductibles.

Since the prognosis for breast cancer survivors has improved so greatly, and, as mentioned earlier, the mortality rate is comparable between breast cancer survivors and the general population, life insurance is completely attainable if you find a company that understands this prognosis.

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Life Insurance Breast Cancer Questionnaire

1. Date of diagnosis, date of last treatment.
2. Exact name of the type of breast cancer that has been diagnosed.
3. What is the stage of the cancer?

Stage 0, Ductile carcinoma-in-situ
Stage 0, Lobular carcinoma-in-situ
Stage 0, Paget’s disease of nipple
Stage I
Stage II
Stage IIIA
Stage IIIB
Stage IV

4. Was the cancer graded? If so, what grade was assigned?

Grade I
Grade II
Grade III
Grade IV.

5. How has the cancer been treated? Please check all that apply.

Excisional biopsy (limited excision)
Lumpectomy (wide excision)
Partial Mastectomy
Modified Radical Mastectomy
Radical Mastectomy
Radiation Therapy
Chemotherapy
Hormone Therapy
Bone Marrow Transplant

6. Does the proposed insured take any medications at this time, yes or no? If yes, please name the medication, dates used, quantity taken, and frequency taken.
7. Has there been any evidence of recurrence? If yes, please share details.
8. Has there ever been any kind of other cancer diagnosed for the proposed insured?
9. Does proposed insured have any other medical conditions?

Each of these questions will impact your chances of getting life insurance for high risk people and how much you will pay for your coverage.

There are a lot of different factors that the insurance agent will review when you’re applying for life insurance. Your breast cancer diagnosis is a major part of it, but it’s not the only factor that they are going to look at. Just like with every other applicant, they are going to want an overall picture of your health. This is why they require a medical exam.

During the exam, they want to know your blood pressure, weight, and heart rate. Additionally, they will take a blood sample and urine sample. All of these are going to be used to determine how good or poor your health is. The better the results form the medical exam, the higher your chances of getting cheaper coverage.

There are several different things that you can do to improve your chances of getting life insurance and getting a more affordable life insurance policy. While there are some things that you can’t change, like your family history or if you are 50 and looking for life insurance coverage, there are some aspects that you can improve, which increases your chances of getting lower insurance rates.

If you want cheaper coverage, you have to do some shopping around. Each company has different views on applicants with a history of breast cancer. Some companies have much better standards, and you need to shop with one of those companies.

There are 6,000 carriers. Most are going to automatically decline you because of breast cancer. You could spend several days sifting through the companies. Or you can work with an independent agent to take that work off your plate.

Source: goodfinancialcents.com

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