Until recently, the upfront price of a cruise was often hardly reflective of the final price. That’s because hidden fees, such as port fees and taxes, on cruise lines lurked like unwelcome stowaways. However, a California junk fee law banishing these surprise charges went into effect July 1, and it’s changing how people nationwide see cruise fares displayed.
Under California Senate Bill 478, companies can no longer advertise one low cost for a product or service sold in California — only to impose additional or mandatory fees later. That’s impacted all sorts of aspects of travel, from resort fees to vacation rental cleaning fees to, yes, cruise fees.
“It’s much easier now to find a good deal on a cruise, rather than a deal that looks good until all the port charges and fees are added,” Aaron Saunders, an editor at Cruise Critic, said in an email.
Though the law is specific to California, many major cruise operators have recently adopted transparent pricing models that all U.S. shoppers can see. For example, as of July 1, Royal Caribbean, Carnival Cruise Line and Holland America began including all mandatory taxes, fees and port expenses in their U.S. price displays.
Why cruise prices have a new look nationwide
There are a couple of reasons why California’s law has impacted U.S. cruise purchases, no matter where they’re sailing.
Pressure to be more transparent
Politicians, travel industry groups and consumers have called for more price transparency for years. President Joe Biden is even leading the charge on a federal crackdown on junk fees.
Many travelers prefer transparent pricing, too. In response to a proposed Federal Trade Commission rule that would prohibit junk fees, over 12,000 people submitted public comments, dozens of which specifically referenced cruises. Multiple people shared examples where final cruise prices ended up being double the advertised amount.
Consistency can be more practical
The other possible reason the California law has had an impact on national cruise operations is practicality.
“Treating California differently than the rest of the United States could have created confusion and introduced unnecessary complexity,” according to an FAQ issued by Royal Caribbean Group on changes to advertised pricing.
Plus, consistency makes it easier for consumers to compare prices, no matter where they’re buying from.
“This way, whether you’re checking fares in California, or your friend is checking fares in Florida, you’ll both see consistent pricing across the board,” Saunders said.
Cruises aren’t actually more expensive than before
Cruises that switched to transparent pricing models may now appear more expensive at the outset than they used to be, but the final cost remains the same. Saunders said that so far, he hasn’t seen any cruises change prices.
Instead, the change is that travelers can now see the total cost upfront. This could reduce potential frustrations around hidden fees.
It could also allow cruisers to make more informed decisions when comparing cruise lines. In the past, one cruise line might choose to display these fees upfront while another might not, making it hard for shoppers to compare total costs.
Cruise fees aren’t gone completely
Transparent pricing or not, knowing exactly what’s included in your cruise before booking is important.
While most U.S. cruise lines now disclose mandatory fees, many still charge for certain nonessentials, such as specialty restaurants, entertainment, alcohol or Wi-Fi. And some of these a la carte charges are subject to dynamic pricing as well, meaning they might get more expensive if you wait to add them to your reservation.
It’s more common to see this pricing model across cruises that offer cheaper upfront fares. In contrast, upscale cruise providers tend to have the fewest extra fees.
But a la carte pricing isn’t necessarily a bad thing. If you’re seeking an alcohol-free vacation, or you enjoy the pause of notifications that comes with sailing through a cell service desert, then a cruise that charges extra for specialty drinks or Wi-Fi might be appealing. That way you’re not subsidizing services you won’t use.
Best travel cards for booking cruises
Chase Sapphire Preferred® Card
on Chase’s website
Capital One Venture Rewards Credit Card
Bank of America® Premium Rewards® credit card
on Bank of America’s website
The Platinum Card® from American Express
Annual fee
Welcome offer
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $750 when you redeem through Chase Travel℠.
Enjoy $250 to use on Capital One Travel in your first cardholder year, plus earn 75,000 bonus miles once you spend $4,000 on purchases within the first 3 months from account opening – that’s equal to $1,000 in travel.
Receive 60,000 online bonus points – a $600 value – after you make at least $4,000 in purchases in the first 90 days of account opening.
Earn 80,000 Membership Rewards® Points after you spend $8,000 on eligible purchases on your new Card in your first 6 months of Card Membership. Terms Apply.
Cruise benefits
• Get 25% more value out of your points when you book cruises through Chase.
• Redeem miles as a statement credit to cover spending on cruises.
• Earn 2x points on travel spending, including cruises and some ship excursions.
• Book with your card to get trip delay reimbursement, trip cancellation coverage and other travel assistance services.
• Cruise program benefits include $300 credit redeemable toward dining and spa services plus amenities like wine, chocolates and champagne. Terms apply.
Still not sure?
To view rates and fees of The Platinum Card® from American Express, see this page.
The cost of carrying gold in your wallet is about to get more expensive.
As of July 25, 2024, the annual fee on the American Express® Gold Card is increasing to $325, up from $250. Terms apply; see rates and fees. Existing cardholders will see the annual fee increase starting Oct. 1, 2024.
Accompanying the higher annual fee are new dining-based perks; an annual cap on qualifying bonus spending at restaurants; the ability to select a limited-edition card design; and a shake-up of the merchants where the card’s monthly dining credit can be used.
Through Nov. 6, 2024, new cardholders can also grab an enhanced welcome offer.
Here’s what you should know.
What’s new with the American Express® Gold Card?
The American Express® Gold Card hasn’t had an overhaul this significant since 2018, when it increased its annual fee to $250 (from $195) and added more rewards and goodies. Here’s what’s changing this time:
Annual fee: Increase to $325 (up from $250).
Increased welcome bonus: From July 25 to Nov. 6, 2024, new cardholders can earn 60,000 Membership Rewards points, plus 20% back on restaurant spending worldwide (up to $100) after spending $6,000 on eligible purchases on your new card in your first 6 months of card membership
New cap on bonus rewards at restaurants: Cardholders will receive 4x points on dining purchases worldwide (including takeout and delivery) on up to $50,000 in annual spending. Purchases above the cap will earn 1x point. Previously, there was no spending cap in this category.
New $50 semiannual Resy credit: Get $100 in annual statement credits, issued as two $50 semiannual credits, after enrolling and using your card on eligible purchases at U.S. restaurants on the Resy app or on Resy.com.
New $7-per-month Dunkin’ credit: Receive $7 per month in statement credits after enrolling and using your card at Dunkin’ Donuts locations in the U.S.
Updated $10-per-month dining credit: Five Guys is now an eligible restaurant for the $10-per-month ($120 annual) dining credit, adding to the existing list of Grubhub, The Cheesecake Factory, Wine.com and Goldbelly. Milk Bar and Shake Shack have been removed as eligible restaurants for the dining credit.
New card design: New cardholders can select a limited-edition white-gold card design (while supplies last), in addition to the existing gold and rose gold design options.
Terms apply.
What’s staying the same?
New and current cardholders will continue to enjoy the card’s existing credits and benefits, including:
$10 per month in Uber Cash credits (up to $120 annually) toward Uber Eats or Uber rideshares.
4x points at restaurants worldwide (now with the $50,000 annual cap).
4x points at U.S. supermarkets on up to $25,000 in purchases per year.
3x points on flights booked directly with airlines or AmEx Travel.
Terms apply.
What it means for cardholders
The new $325 annual fee represents a 30% increase over the previous fee of $250. (The fee increase in 2018 represented a 28% hike.) Whether these new changes are worth that much will depend on your spending habits and how well you actively manage your card to take advantage of the recurring credits. The new perks follow the coupon-book model American Express is using to offer more perceived value at a higher cost for their premium cards, like the American Express® Gold Card and the The Platinum Card® from American Express. However, adding more benefits for specific merchants makes the card more complex to optimize for some.
That said, the new welcome offer should suit many people well. Maximizing the 20% cash back on restaurant spending (up to $100) would require only $500 eligible dining expenses, and 60,000 points could take you far. NerdWallet values American Express Membership Rewards points at between 1 cent and 2.8 cents each (depending on how you redeem them). Between the points and the dining incentive, you could easily cover the annual fee for the first year before accounting for any additional monthly or semiannual credits.
Looking to learn how to make money without a car? It might seem hard to make money without a car, but there are actually many ways to do it. You don’t need a vehicle to find opportunities that can earn you extra cash or even a full-time income. Whether you want to work from home…
Looking to learn how to make money without a car?
It might seem hard to make money without a car, but there are actually many ways to do it. You don’t need a vehicle to find opportunities that can earn you extra cash or even a full-time income.
Whether you want to work from home or find gigs in your neighborhood, there are plenty of options available to you.
Best Ways To Make Money Without a Car
Below are the best ways to make money without a car.
Here’s a quick summary of my favorites:
Best way to make money without a car by freelancing – Proofreading
Best way to make money without a car to work by yourself – Blogging
Best way to make money without a car for passive income – Selling printables
Best way to make money without a car for people who like numbers – Bookkeeping
1. Blogging
Blogging is a great way to make money without needing a car. You can write about topics you love and share your knowledge with others. All you need is a computer and an internet connection.
I started Making Sense of Cents in 2011, and I’ve made over $5,000,000 with my blog. I began my blog just to share my own money journey. At first, I didn’t even know people could make money from blogging or how to create a successful blog! I didn’t plan to make money with Making Sense of Cents, but after six months, I started earning from it.
And, it all started from home, where I didn’t need a car (and I still don’t need a car to do this job).
Starting a blog takes time and effort, but it can be very rewarding. Plus, you can do it all from the comfort of your home.
Learn more in my How To Start A Blog FREE Course. In this free course, I show you how to create a blog, from the technical side to earning your first income and getting pageviews.
2. Proofreader
Being a proofreader is a great way to make money without a car. You can do this from the comfort of your home. Many companies and individuals need proofreaders for their articles, books, and websites.
To start, you need a strong grasp of the English language (or whatever language you are proofreading in). Good attention to detail is also important. You don’t need a degree to become a proofreader, but it helps to know common style guides.
Proofreaders can make good money, and according to Salary.com, the average proofreader salary is $58,284 a year.
Proofreading is flexible. You can choose your own hours and work as much or as little as you want. This makes it a great side hustle or even a full-time job.
Learn more at 20 Best Online Proofreading Jobs For Beginners (Earn $40,000+ A Year).
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This free training teaches you how to start a proofreading side hustle (and how to earn $1,000+ per month!), even if you are brand new and don’t have any previous proofreading experience.
3. Sell printables on Etsy
Selling printables on Etsy is a great way to make money without needing a car. Printables are digital files like planners, calendars, art prints, and more.
Making printables on Etsy is a great idea because you only need to create one digital file per product. You can then sell that file as many times as you want.
Learn more at How I Make Money Selling Printables On Etsy.
Do you want to make money selling printables online? This free training will give you great ideas on what you can sell, how to get started, the costs, and how to make sales.
4. Dog walking
Dog walking is a fun way to make money without a car. You get to spend time with dogs and get some exercise too. Many people need help walking their dogs, especially if they have busy schedules.
There is a good chance that some of your neighbors within walking distance may need some help with their pets, and this is where you come in!
You can start by letting your neighbors know you are available. Put up flyers or post about your services in local online groups. Another great way to find clients is through dog walking apps like Rover and Wag that connect dog walkers with pet owners.
If you use an app like Rover, you can also offer pet sitting services. This can increase your earnings by taking care of pets overnight.
Dog walking usually pays between $15 and $25 per walk. If you walk several dogs in a day, it can add up quickly. For overnight stays, you might earn $25 to $70+ per day.
5. Freelance writing
Freelance writing is a great way to make money without a car. You can work from home or anywhere with an internet connection. All you need is a computer and some writing skills.
You can write blog posts, articles, or even social media content. Many companies need writers to create content for their websites and marketing materials.
Freelance writing lets you choose your own hours. You can work as much or as little as you want. This makes it a great option if you have other commitments like school or another job.
There are many websites where you can find freelance writing jobs. Examples include Upwork, Freelancer, and Fiverr. Some companies also hire writers directly through job postings on their websites.
I have been a freelance writer for years, and I think it’s a great way to earn income from home, without needing a car.
6. Virtual assistant
You can make good money by becoming a virtual assistant (VA). As a VA, you help clients with various tasks from your home.
Companies and busy professionals need help with things like managing emails and scheduling appointments. You can do this using just a computer and the internet.
Some VAs specialize in things like social media management. Others focus on tasks like data entry or customer service. You can choose what you want to do based on your strengths.
Working as a VA lets you set your own hours. You don’t need to commute anywhere since everything is done online, so this makes it perfect if you don’t have a car.
7. Online tutoring
Online tutoring is a great way to make money without needing a car. You can teach from the comfort of your own home and set your own schedule. There are many websites where you can sign up and start tutoring students in different subjects.
All you need is a computer and an internet connection. Tutor Me Education, for example, connects you with students looking for help in over 200 subjects. You create a profile, and students reach out to you.
If you enjoy teaching, this can be a fun and rewarding way to earn money. It’s also flexible, so you can work as much or as little as you want. This makes it easy to fit tutoring into your busy life.
Some tutoring platforms might require you to have some qualifications, but many are open to anyone with knowledge in a particular area. This means almost anyone can become a tutor and start making money.
8. Selling print-on-demand products
Selling print-on-demand products is a great way to make money without needing a car. You can create your own designs for T-shirts, mugs, and more. Once a customer orders, the product is made and shipped directly to them.
You don’t need to handle any physical inventory. This means you can work from home and all you need is an internet connection and some creative ideas.
Platforms like Etsy, Amazon, and Shopify make it easier to sell your print-on-demand products. They connect you to millions of potential buyers. You can also use services like Printify and Printful to help produce and ship your items.
Starting your own print-on-demand business involves little upfront cost. You only pay for the production of the item when a sale is made, so this reduces your financial risk significantly.
9. Graphic design
If you love art and design, graphic design can be a great way to make money. You don’t need a car for this job because you can do all your work from a computer at home.
Many businesses need logos, social media graphics, and other visual content.
You can find clients on platforms like Fiverr and Upwork, and you can start with small projects to build your portfolio. Once you have a few happy clients, you can charge more for your work.
10. Data entry
Data entry is a simple way to make money from home. You don’t need a car, and you can work in your pajamas (amazing, right?!).
Data entry workers type information into computer systems. Companies need people to enter data accurately and quickly, and this could be anything from names and addresses to inventory numbers.
These jobs can pay anywhere from $12 to $25+ per hour. The pay depends on the company and the complexity of the task.
Data entry is a flexible job. You can often set your own hours and work when it’s convenient for you.
While it may not be the most exciting job, it’s straightforward and doesn’t require a lot of training. This makes it a good option if you need to earn some extra cash.
11. Transcription services
Transcription work is a great way to earn money from home. You listen to audio files and type what you hear. Many companies hire beginners, so experience isn’t always necessary.
The pay varies, usually from $5 to $25 per audio hour.
Working as a transcriptionist can be flexible. You pick the hours you want to work, so this makes it easier to fit into your schedule.
Make sure you meet the typing speed requirements. Most companies look for accuracy and speed. Start practicing if you need to improve in these areas.
Learn more at 18 Best Online Transcription Jobs For Beginners To Make $2,000 Monthly.
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In this free training, you will learn what transcription is, why it’s a highly in-demand skill, who hires transcriptionists, how to become a transcriptionist, and more.
12. Dropshipping
Dropshipping is a great way to make money without a car. You don’t need to buy any stock up front. When a customer buys from your online store, you order the product from a supplier who ships it directly to them.
To start, find a popular product that people want. Use free tools like Google Trends to see what’s in demand. You could sell anything from phone accessories to pet supplies.
Dropshipping allows you to run a business from anywhere. All you need is a computer and internet. It’s perfect if you don’t have a car.
13. Affiliate marketing
Affiliate marketing is a great way to make money without a car. You can do it right from home or anywhere with an internet connection.
In affiliate marketing, you promote products or services for companies. When someone buys through your referral link, you earn a commission.
It does take time and effort to be successful. You’ll need to create content, like blog posts or social media posts, to share your affiliate links.
You could promote anything from clothes to electronics to digital products like ebooks or courses. Pick something you like and know about to make it easier.
For me, I have been doing affiliate marketing for years, and I think it’s a great way to make money at home without a car.
Learn more at Affiliate Marketing Tips For Bloggers – Free eBook.
14. Get roommates
Rent can be really expensive. If you want to save money or even make some extra, getting roommates can help.
When you share your place with others, you split the rent and utility bills. This makes living costs lower for everyone.
Finding roommates isn’t hard. You can ask friends or use sites like Facebook or Craigslist. Of course, you’ll want to make sure to choose people you get along with well.
15. Answer surveys
Answering surveys is an easy way to make some extra money without needing a car. Many market research companies want to know what you think about their products or services. They will pay you for your opinions in PayPal cash or free gift cards.
Each survey can take anywhere from a few minutes to half an hour. While you won’t become rich, it’s a simple and flexible way to make a small but steady income on the side. Even earning a few dollars here and there can add up.
The survey companies I recommend signing up for include:
American Consumer Opinion
Survey Junkie
Swagbucks
InboxDollars
Branded Surveys
Prime Opinion
Five Surveys
PrizeRebel
Pinecone Research
I have been answering surveys for years, and I have always liked how I can answer them at home without having to go anywhere. That makes it very easy!
16. Make money on YouTube
Starting a YouTube channel is a popular way to make money online, especially if you don’t have a car. You can record videos with your phone or camera, and you don’t need much else to get started.
You can make a YouTube channel about many different topics like money, home, travel, toys, pets, and more. There’s a YouTube channel for almost everything, and there’s still room for more!
In your YouTube videos, you can add links to products you recommend, earn money from ads that play during your videos, get paid by brands to show their products, and even sell your own items.
Recommended reading: How Much Do YouTubers Make?
17. Mow lawns in your neighborhood
Mowing lawns in your neighborhood can be a great way to make extra money without needing a car. Many people need help keeping their lawns neat, such as older adults or busy families.
To get started, you really only need basic lawn care equipment, like a mower and trimmer.
Next, spread the word about your lawn care services. Talk to your neighbors, put up flyers, or post on community boards online.
18. Deliver food on a bike
Not all food deliveries are by car – plenty can be done by bike, depending on where you live! Thanks to today’s gig economy, you have plenty of options depending on where you live.
If you live in a city, delivering food on a bike is a great way to make money part-time as a side gig or even full-time. You can work for companies like Uber Eats, Instacart (this is for grocery shopping delivery), or Postmates. These apps allow you to deliver by bike in many cities.
Biking means you don’t spend money on gas or car maintenance. Plus, it’s good exercise. You can even do food delivery by e-bike or scooter if you prefer.
Note: You do still have to do a background check, even though you won’t be driving and won’t have to use a driver’s license.
19. Babysit
Babysitting is a great way to make money if you don’t have a car. You can choose when you’re available, making it easy to fit around your schedule.
Lots of families need someone to watch their kids while they’re at work or out for the evening, such as your neighbors.
You can offer your help to neighbors, friends, and family members.
You might need to get CPR certified, but it’s worth it. Parents will feel better knowing their kids are in safe hands (plus, you’ll feel better too about watching someone else and feel more prepared).
20. Play game apps
You can make money by playing game apps on your phone. There are lots of apps out there that pay you to play games. Some popular choices include apps like Solitaire Cash and other game apps where you get paid for playing and watching ads.
These game apps can be fun and a good way to earn a little extra cash. You usually earn small amounts of money or rewards that you can cash out later. Still, it’s important to know that it’s not a way to get rich quickly.
Here’s a quick list of the top game apps that pay real cash:
KashKick
Swagbucks
InboxDollars
Freecash
21. Virtual bookkeeper
You can make money from home as a virtual bookkeeper. This job involves keeping track of finances for businesses.
All you need is a computer and internet access. You can work for one company or offer your services to multiple clients.
Before you skip this because you think you’re not qualified, you should know that you don’t need to be an accountant, have any previous experience, or even have a bachelor’s degree.
Virtual bookkeepers can earn a good hourly rate and often have the freedom to set their schedules. This can be a great option if you need flexibility in your work life.
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This free training will show you how to start a profitable bookkeeping side-hustle in the next 30 days—even if you have no prior experience!
22. Voice over acting
Voice-over acting is a fun way to make money from home. You use your voice to bring characters to life or narrate commercials and videos. It’s a great job if you’re good at reading aloud and can deliver lines clearly.
You don’t need a fancy setup to start. A decent microphone and free software can get you going. Many websites connect you with clients looking for voice talent.
You might work on video games, cartoons, audiobooks, or even ads. Each job can pay differently, so you can find ones that fit your schedule and skills.
Voice-over acting can be both fun and profitable. It’s a flexible way to make money without needing a car. Plus, you can do it all from the comfort of your home.
Learn more at How To Become A Voice Over Actor And Work From Anywhere.
23. Write book reviews
You can make extra money by writing book reviews from home. This is perfect if you love reading.
Authors and publishers appreciate your honest reviews because they help other readers decide what to read. These reviews are fun for readers and helpful for everyone.
Here are some websites where you can earn money by writing book reviews:
OnlineBookClub.org – They give you free books at first. After your first review, you can earn $5 to $60 per review.
Kirkus Media – They need reviewers for English and Spanish books. Reviews are about 350 words and due two weeks after you get the book.
The US Review of Books – They hire freelance writers for 250- to 300-word reviews that provide insights into the book. You need to submit a resume, writing samples, and references.
Reedsy Discovery – You can review books before they are published and earn tips from readers, usually $1 to $5 per review. This helps new books become more popular.
Learn more at 16 Best Ways To Get Paid To Read Books.
Frequently Asked Questions
You don’t need a car to make money. There are many ways to earn, whether from home, on foot, or on a bike. Here are some common questions and answers about how to make money without a car.
How can I make money if I don’t have a car?
You can make money by blogging, proofreading documents, or selling printables on Etsy. You can also offer services like dog walking. If you enjoy writing, freelance writing could be a good fit too. Many of these can be done from the comfort of your home or in your neighborhood within walking distance.
What kind of jobs can you do from home with no car or computer?
Without a computer, you can still find jobs like phone-based customer service or tutoring over the phone or by having your clients come to your home. Selling craft items or handmade goods can also be done from home. Some people even make money as virtual assistants using only their smartphones.
How can a college student make extra cash without having a vehicle?
Many college students don’t bring a car to college, and if that’s you, you may be wondering how you can make money. College students can babysit, tutor younger students, or work as a resident advisor at their college. Selling old textbooks and clothes can also bring in extra cash.
What are some delivery jobs with no car required?
For delivery jobs, you can use a bike or scooter. Platforms like DoorDash allow deliveries by bike in certain areas. Restaurants and local stores sometimes hire walkers or bikers to deliver goods too, but this is more common in big cities (like New York City or Chicago).
What to do with no money and no car?
If you have no money and no car, I recommend starting by looking for gigs that don’t require any investment, like babysitting or dog walking. Answering paid online surveys or signing up for cash back apps can also help you earn some spare cash. You can also offer to run errands or clean houses for neighbors for some quick cash, or even host a garage sale.
What to do if you need a job but have no transportation?
If you need a job but you have no transportation, then I recommend finding a work-from-home job like transcribing, virtual assisting, or data entry. If you want an in-person job but don’t have transportation, then you may need to look into your public transportation options, car sharing in your area, finding a shuttle service, using a rideshare app (like Uber or Lyft), or carpooling.
How To Make Money Without a Car – Summary
I hope you enjoyed this article on how to make money without a car.
There are many ways to make money without a car such as with online jobs like proofreading, blogging, selling printables, and bookkeeping. And, there are also ways to make money in person without a car, such as dog walking, tutoring, delivering food by bike, and mowing lawns.
What do you think is the best way to make money without a car?
Friend of the blog Matt sent in a great question this week:
Hi Jesse – do you have any recommendations when it comes to life insurance? I know Term is the way to go, but that’s about all I got…
I scanned your blog posts and didn’t see anything too specific with it but if you have any guidelines for pricing or coverage recommendations, please let me know!
Matt
Matt’s Right. We Want Term!
Matt’s right. Term life insurance is the best option in 99.99% of cases.
Other types of life insurance (Whole, Variable, Universal, etc.) are bloated products that are “pushed” and “sold” far more often than they’re genuinely sought after. These products try to combine investing with insurance and end up being overpriced versions of each.
Some things aren’t worth combining!
The smarter option is to buy insurance that only acts as insurance and then use your remaining money to invest in pure investments. Term life insurance is just that life insurance product. All it does is provide money to your beneficiaries if you die. If you don’t die, it doesn’t pay. It’s simple.
But Do We Need Life Insurance?
How do we determine if someone needs life insurance?
I use the same framework I would use for anyinsurance question (home, boat, pet llama insurance, etc.).
Are you exposed to a financial risk that you could not comfortably recover from using your current asset base?
Let’s say your house burns down. Does that present a financial risk you could recover from using your current assets (cash, investments, etc)? If you answer no, then you need home insurance. (If you have a mortgage, your lender likely mandates you have insurance so they’recovered should the house burn down).
If your wedding ring got stolen, does it present a financial risk you could recover from? Personally, I wear a ~$200 tungsten carbide wedding ring. If my finger got stuck in a tragic 3-ring binder accident while compiling someone’s financial plan, I could replace that $200 ring without issue. I do not need ring insurance. Granted, the cosmetic costs of finger reconstruction might make me wish I had better health insurance…
Back to the point: that’s the framework to use! Does the downside risk present an insurmountable financial burden to you (or your beneficiaries?)
The answer for many younger readers with dependents (spouses, children) is a screaming YES. As in, “If I died and the family lost my income, it would be very financially uncomfortable for many years!”
But how much coverage do you need?
My Preferred Methods: Income Replacement and “DIME”
The two methods I prefer (and suggested to reader Matt) are the Income Replacement method and the DIME method.
Income replacement suggests you replace your income for a certain number of years, typically until your children reach a particular age or until your spouse reaches retirement age.
In my personal case, I wanted to replace my income until my youngest child (who is still technically hypothetical) is out of the house. I chose a 30-year term policy equivalent to ~20 years of my income (with a small discount rate for future years). No matter when I get hit by that proverbial bus, 20 years of income should cover my youngest child until they’re out of the house.
The DIME method adds up any outstanding debts, add in your income for a certain number of years, then adds your remaining mortgage, and finally adds on future expected education costs. Debts, income, mortgage, education.
The DIME method double-counts a few things. For example, I’m using my income to pay my debts and mortgage. I shouldn’t need to double-count them. Nevertheless, I like the idea of itemizing the biggest future expenses (college costs, mortgage payoff, etc.) and ensuring your life insurance policy can cover them.
The Best of the Rest
Other strategies I’ve seen for sizing life insurance policies include:
The Human Life Value (HLV) method. It asks an individual to consider their annual income for each year until their retirement, add in other benefits and bonuses, subtract the income used for their personal consumption, and then discount future income to today’s value.
Done correctly, this method should provide the beneficiaries with a lump sum of the resources you would have expected to provide to them over the remainder of your working life. It’s just a bit too complicated and mathematical for most people to get right.
The Budget-Based method simply multiplies your household’s monthly expenses by the number of months you expect those expenses to be maintained. It’s similar to Income Replacement, but looks at expenses rather than income.
Lastly, the “Rule of Thumb” (which I think is a poor name!) suggests you multiply your income by 10. Very much “one size fits all,” which is why I don’t like it.
Granted, one detail to note is that most life insurance sizing strategies are intentionally conservative, leading to policy sizes that are large enough during the highest-risk years but end up being too large as time goes on.
For example: a young family might need a $2M, 25-year policy on each parents. But by the time the kids are in college, that $4M of total coverage is surely too much.
Thanks for the question, Matt!
And to all of you: term life insurance is a smart financial planning move. But I hope none of you ever need to collect!
Thank you for reading! If you enjoyed this article, join 8500+ subscribers who read my 2-minute weekly email, where I send you links to the smartest financial content I find online every week. You can read past newsletters before signing up.
-Jesse
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The Moana Surfrider, A Westin Resort & Spa is an icon in Waikiki, a beachfront neighborhood in Honolulu popular amongst tourists. In fact, it was the first hotel in Waikiki Beach. Walking through the lobby of the hotel, which first opened its doors in 1901, feels like stepping into a bygone era. Much of the elegant architecture remains — and of course, so do the ocean views.
The sprawling courtyard, shaded by a massive, 100-year-old banyan tree, is a delightful spot for an afternoon mai tai as you soak up the Hawaiian sunshine. And the Moana Surfrider breakfast — held on a wraparound porch overlooking the water — is divine.
(Photo by Sally French)
But here’s the thing — anyone can visit the bar or restaurant, whether they’re a hotel guest or not. So do the rooms make it worth staying at the hotel? Or, would you be better off staying at another hotel on an Oahu vacation and simply popping over to the Moana Surfrider for a meal or drink?
Here’s our review of the Moana Surfrider, A Westin Resort & Spa:
The Moana Surfrider location
The Moana Surfrider’s beachfront location is top-notch. It offers direct access to Waikiki Beach, steps away from the ocean.
(Photo by Sally French)
The opposite side of the hotel lines Kalakaua Avenue, which is Honolulu’s main shopping street. The prime location means it’s bustling with people, both outside the hotel and on the beach.
Speaking of cars, though, you might not want a rental car in Honolulu given this hotel’s central location, proximity to public transportation and expensive parking rates. The Moana Surfrider parking fee is $65 daily for valet, which is the only option.
There’s also no free airport shuttle sadly, so you’ll have to book a shuttle or rideshare if you forgo a rental car.
Moana Surfrider rooms
(Photo by Sally French)
Moana Surfrider rooms with an ocean view are exceptional; the best rooms offer a panorama that includes both the ocean and Diamond Head, which is a volcanic tuff cone that now stands out as one of the most iconic natural landmarks on Oahu. However, these rooms tend to cost about $200 or more per night as an upcharge for the view.
(Photo by Sally French)
Aside from the view, the rooms are somewhat forgettable and a bit dated. Here’s a look at a Tower room with a king bed and Diamond Head vista:
(Photo by Sally French)
Beds are comfy, but nothing to rave about.
(Photo by Sally French)
The in-room coffee maker is a nice touch.
(Photo by Sally French)
Bathrooms typically feature a tub, though it’s not an oversized tub you’d necessarily want to soak in for a long time.
Rooms also have amenities including a mini fridge and hair dryer.
Key amenities at the Moana Surfrider
The Moana Surfrider charges a $42 daily resort fee, but there are a fair amount of amenities that potentially make the resort fee feel more worth it.
(Photo by Sally French)
The Moana Surfrider pool offers ocean views.
(Photo by Sally French)
The gym is good, but not amazing. Its low ceilings feel a bit cramped, but the cardio machines that face Kalakaua Avenue offer a nice view. There are dumbbells, weight machines and other small pieces of strength equipment like plyometric boxes.
Other, employee-led activities or classes vary by day but include yoga, hula dancing, lei making, a historical hotel tour and a traditional sunrise ceremony.
The resort fee also covers a few extras like a complimentary shopping tote bag and GoPro camera rental.
Moana Lani Spa, a Heavenly Spa by Westin
(Photo by Sally French)
There’s one key amenity that’s not included in the resort fee: Moana Lani Spa. As is usually the case with resort spas, services like facials and massages come at an additional cost. The Moana Surfrider spa is unique in that it’s Waikiki’s only oceanfront spa.
Moana Surfrider restaurants
The Moana Surfrider has one main restaurant serving breakfast, dinner and afternoon tea. There’s also a beach bar, a cafe, a coffee shop and a cocktail lounge.
Dining on the wraparound porch
For a fancier meal, head to the Moana Surfrider’s wraparound porch facing the water. That porch moonlights as a few different restaurants, depending on the time of day.
Veranda at the Moana for breakfast
In the morning, it’s called the Veranda at the Moana. You can choose to dine either buffet-style or order a la carte. Menu items embrace Hawaiian flavors, including the hearty loco moco (a Hawaiian dish of rice, hamburger patty, gravy and egg) and the mango pancakes served with lilikoi curd (lilikoi is the Hawaiian word for passion fruit).
(Photo by Sally French)
If you are committed to dining here, it can make sense to upgrade to the buffet, which offers one of the best brunches in Waikiki. It costs about $10 more than ordering entrees individually, but it entails an all-you-can-eat version of many items on the a la carte menu. Rather than decide between mochiko (local rice flour) waffles, Moana pancakes or an omelet, you might just try it all.
(Photo by Sally French)
Moana Surfrider afternoon tea
After breakfast, the space turns into the site for afternoon tea. Prices for Moana Surfrider tea start at $73 per adult and $37 per child. There, you’ll sip on island flavors like Hawaiian coconut or passion orange guava tea. Treats include tropical sorbet.
Beachhouse at the Moana
At night, that same wraparound porch becomes Beachhouse at the Moana. The white tablecloth restaurant serves fancy fare including steak and seafood.
Other standout dining at the Moana Surfrider
(Photo by Sally French)
The Beach Bar at Moana Surfrider: For casual dining with a stellar atmosphere, consider The Beach Bar. Menu items include poke, burgers and salad. The big draw is the live entertainment — typically ukulele — performed under the famous Moana Surfrider banyan tree.
(Photo by Sally French)
Vintage 1901: For drinks indoors, Vintage 1901 is one of the most charming bars in Waikiki. It’s primarily a wine bar, though other drinks include cocktails with local liquors. Located in the lobby, the bar stands out for its live piano music.
(Photo by Sally French)
Honolulu Coffee: The Moana Surfrider also hosts an outpost of Honolulu Coffee, which is a local coffee chain. Be aware that the lines can get long.
Who is the Moana Surfrider best for?
Travelers who want the best location: If you prioritize being within walking distance of major attractions, restaurants and shopping, then the Moana Surfrider is one of the best hotels in Waikiki. Direct access to Waikiki Beach is convenient, and the beachfront pool is delightful if you’d rather swim in a pool than the ocean.
(Photo by Sally French)
People who appreciate a historic property with charm: Known as the “First Lady of Waikiki,” the property is the first hotel on Waikiki Beach. The property goes a long way to acknowledge its history, including a museum on the second floor plus biweekly historic tours.
Who should skip the Moana Surfrider?
People who prioritize value over the view: Moana Surfrider rooms are impressive primarily because of the views, but you only get a view if you’re willing to splurge. If you’re the kind of person who ends up booking the cheapest available room, you’re better off booking a room without a view at a different hotel.
(Photo by Sally French)
Those travelers might be better off at properties like the Sheraton Princess Kaiulani, which is also a Marriott Bonvoy property. Though it’s not waterfront, that hotel is located just across the street from the Moana Surfrider, providing tourists a similarly central location (albeit a walk across the street to get to the water). Prices vary by night, but NerdWallet found some examples where the Sheraton Princess Kaiulani was going for nearly 50% less on the same night than the Moana Surfrider across the street.
Travelers seeking peace and calm: The lobby, wraparound porch and outdoor space under the banyan tree draw tourists who aren’t staying at the Moana Surfrider, which means the lobby and porch might be packed with a lot more than just hotel guests. If you’re seeking a quiet getaway, you might find the Moana Surfrider overwhelming.
(Photo by Sally French)
Booking the Moana Surfrider
(Photo by Sally French)
One of the best ways to earn Marriott points and free night certificates is through Marriott credit cards.
Top cards for Marriott stays
Marriott Bonvoy Bountiful™ Card
Marriott Bonvoy Bevy™ American Express® Card
Marriott Bonvoy Brilliant® American Express® Card
Marriott Bonvoy Business® American Express® Card
Annual fee
Rewards
• 6 points per $1 at participating Marriott Bonvoy hotels.
• 4 points per $1 on up to $15,000 a year in combined purchases at grocery stores and on dining.
• 2 points per $1 on all other eligible purchases.
• 6 points per $1 at participating Marriott Bonvoy hotels.
• 4 points per $1 on up to $15,000 a year in combined purchases at U.S. supermarkets and at restaurants worldwide (including takeout and delivery in the U.S).
• 2 points per $1 on all other eligible purchases.
Terms apply.
• 6 points per $1 at participating Marriott Bonvoy hotels.
• 3 points per $1 at restaurants worldwide and on flights booked directly with airlines.
• 2 points per $1 on all other eligible purchases.
Terms apply.
• 6 points per $1 at participating Marriott Bonvoy hotels.
• 4 points per $1 on worldwide dining, U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping.
• 2 points per $1 on all other eligible purchases.
Terms apply.
Elite status benefits
• Gold Elite status, plus 15 Elite Night credits each year toward Platinum Elite status.
• Gold Elite status, plus 15 Elite Night credits each year toward Platinum Elite status.
Terms apply.
• Platinum Elite Status and 25 Elite Night credits per year.
Terms apply.
• Gold Elite status, plus 15 Elite Night credits each year toward Platinum Elite status.
Terms apply.
Welcome offer
Earn 85,000 Bonus Points after you spend $4,000 in purchases in your first 3 months from your account opening.
Earn 85,000 Marriott Bonvoy bonus points after you use your new Card to make $5,000 in purchases within the first 6 months of Card Membership. Terms Apply.
Earn 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership. Terms Apply.
Earn 3 Free Night Awards after you use your new Card to make $6,000 in eligible purchases within the first 6 months of Card Membership. Each Free Night Award has a redemption level up to 50,000 Marriott Bonvoy® points, for a total potential value of up to 150,000 points, at hotels participating in Marriott Bonvoy®. Certain hotels have resort fees. Terms apply.
Learn more
Another good booking option is to reserve through The Edit by Chase. If you have a Chase Sapphire Reserve®, you can use either Chase points or cash to book from a curated collection of luxury hotels worldwide and get added benefits including daily breakfast for two, an $100 property credit and space-available room upgrades.
And unlike many other travel portals, The Edit is an official Marriott booking channel, meaning you can earn rewards from both the hotel and Chase for a stay booked through The Edit. Compare prices though before booking.
To view rates and fees of the Marriott Bonvoy Bevy™ American Express® Card, please visit this page.
To view rates and fees of the Marriott Bonvoy Brilliant® American Express® Card, see this page.
To view rates and fees of the Marriott Bonvoy Business® American Express® Card, see this page.
Thinking about calling the Ocean State home? Rhode Island boasts beautiful coastal landscapes, lively urban areas, and a growing tech industry, making it a popular choice for newcomers. Whether you’re searching for homes for sale in Providence, looking to rent in Newport, or considering houses for rent in Warwick, here’s what you need to know before moving to Rhode Island.
Rhode Island at a glance
Rhode Island, known as the Ocean State, provides coastal beauty, lively culture, and economic diversity. Its humid continental climate brings warm summers and cold winters, perfect for enjoying its 400 miles of coastline. Providence, the capital, anchors the state’s largest cities, alongside Warwick and Cranston, each offering a mix of urban amenities and residential charm. Major industries include healthcare, education, manufacturing (especially jewelry), and a growing tech sector. Renowned educational institutions like Brown University and the Rhode Island School of Design contribute to a rich cultural landscape, highlighted by festivals, museums like the RISD Museum, and events like WaterFire. Affordable places to live are particularly found in smaller towns and coastal communities, making Rhode Island an appealing choice for those seeking a balanced lifestyle of culture, education, and coastal living.
1. Rhode Island is well-known for its WaterFire event
Rhode Island is renowned for its spectacular WaterFire event, an experience that transforms Providence’s rivers into a glowing spectacle. Held from late spring through autumn, WaterFire features over 80 braziers set alight along the rivers, accompanied by music. Performers, including fire twirlers, musicians, and dancers, enhance the atmosphere, creating a multi-sensory experience for attendees. You can walk along the riverbanks, enjoy the scents of wood smoke and seasonal blooms, and explore art installations and local vendor stalls that appear during the event.
Travel tip: Arrive early to secure a good viewing spot, and consider bringing a blanket or portable chair for comfort. For an even more memorable experience, book a gondola ride to enjoy the illuminated rivers from the water and gain a unique perspective of the event.
2. It’s expensive to live here
Living in Rhode Island comes with a high cost of living, particularly in sought-after areas like Providence and Newport. The median home sale price in Rhode Island is around $522,100, with rental averages for a one-bedroom apartment in Providence hovering around $2,075 per month. Groceries, utilities, and general expenses also surpass the national average, making day-to-day living more expensive. In fact, the cost of living in Providence is 12% higher than the national average. Comparatively, cities like Coventry and Cranston offer more affordable options, though they still reflect the overall higher cost of the state.
When considering a move, it’s essential to weigh the pros and cons of living in Rhode Island. The state offers stunning coastal landscapes, making it an attractive place to live. However, the high cost of living and elevated property taxes can be significant drawbacks.
3. Rhode Island has many seafood specialities
You’ll find a rich seafood heritage in Rhode Island, with many local specialties that seafood lovers will enjoy. Clam cakes and clam chowder are regional favorites, with the creamy, flavorful chowder often distinguished by its unique, clear broth. Another local delicacy is the stuffed quahog, a savory clam-filled dish that’s a staple at many seafood restaurants.
Insider scoop: For an authentic taste of Rhode Island, visit the iconic Monahan’s Clam Shack in Narragansett for some of the best clam cakes and chowder in the state.
4. Get ready to hear many different accents
In Rhode Island, you’ll encounter a fascinating array of accents that reflect the state’s diverse cultural and historical influences. In Providence, the accent tends to blend elements of Boston and New York speech patterns, featuring distinctive pronunciations and local slang. Venture to the coastal towns, and you might notice a more laid-back, maritime lilt in the speech, influenced by the state’s rich seafaring history. In contrast, the southern regions, such as Newport, exhibit a more neutral accent with subtle regional variations.
5. Rhode Island is less than 40 minutes wide
As the smallest state in the nation, Rhode Island spans less than 40 minutes from east to west, making it remarkably compact. Living in Rhode Island means enjoying a tiny yet vibrant state that packs a lot into its limited space, from the scenic coastal beauty of its beaches to the historic charm of its colonial-era towns. You can easily explore a range of experiences in a single day, whether it’s strolling through Providence’s bustling downtown, relaxing on the shores of Newport, or enjoying the quaint atmosphere of Wickford.
6. There are many quaint towns to explore
Rhode Island is dotted with charming, small towns that each offer their own unique appeal. Places like Newport, with its historic mansions and stunning coastal views, and Bristol, known for its well-preserved colonial architecture and Main Street, provide a quintessential New England experience. Additionally, towns like Narragansett and Wickford provide beautiful waterfronts and a relaxed, small-town atmosphere.
7. The property taxes are among the highest in the nation
Property taxes in Rhode Island are among the highest in the nation, a significant consideration for anyone planning to become a homeowner. With an effective property tax rate of about 1.30%, Rhode Island ranks in the top tier for tax burden on homeowners. For renters thinking of becoming homebuyers, it’s crucial to factor in these additional costs when budgeting for a home purchase.
8. The state’s infrastructure faces challenges
Rhode Island’s infrastructure faces significant challenges, a factor that should be carefully considered by anyone planning to move to the state. Issues such as aging roadways, frequent traffic congestion, and outdated public transportation systems can pose daily inconveniences for residents. The state’s road conditions are often cited as some of the worst in the country, with potholes and ongoing construction projects causing delays and damage to vehicles.
9. Independence day is a big deal
Independence Day is a major event in Rhode Island, celebrated with unparalleled enthusiasm and community spirit. The town of Bristol is especially renowned for its Fourth of July festivities, hosting the oldest continuous Independence Day celebration in the United States, dating back to 1785. The celebration includes a spectacular parade, fireworks, concerts, and various activities, drawing visitors from across the state to celebrate.
Methodology
Population data sourced from the United States Census Bureau, while median home sale prices, average monthly rent, and data on affordable and largest cities are sourced from Redfin.
Airlines, including Delta Air Lines, use dynamic pricing for ticket sales. As a result, the cost of flights between the same cities can vary greatly. This variability is influenced not only by the class of service, but also by the specific type of ticket, known as the fare class.
Delta’s cabin classes range from basic economy to Delta One (first class on international and long-haul domestic flights). Then, these cabin classes are divided into ticket or fare classes, which can also affect the price of the ticket.
Let’s examine the Delta cabin classes and class codes to understand what is included in each ticket type and why you should care.
What are fare classes, and why do they matter?
Fare classes (sometimes called “buckets”) are different ticket types within the same cabin class.
For example, Delta One may have multiple fare classes, such as fully refundable, changeable for a fee and nonrefundable. Each fare class is given a letter, which is used internally by airline staff to understand details about the ticket purchased by the passenger.
Passengers should pay attention to these letters because they can affect the restrictions on their ticket, how many miles they will earn and their ability to upgrade to a higher cabin or use a Delta Companion Certificate.
When it comes to travel day amenities and benefits, cabin class matters more than your fare bucket. The fare bucket comes into play when dealing with ticket change restrictions or potential upgrades, as well as the hierarchy for complimentary upgrades.
Delta fare class overview
These are the Delta fare classes the airline most often uses:
First class/Delta One
Premium Select
Economy/Comfort+
Discounted Main Cabin – U, T.
Deeply Discounted Main Cabin – X, V.
Basic economy
Depending upon the aircraft and destination, not every plane or flight will offer each of these cabins or ticket classes. For example, an international wide-body flight will have Delta One, while a regional jet-operated domestic flight won’t.
🤓Nerdy Tip
Award tickets booked with Delta SkyMiles use a different fare bucket system.
How do I find the Delta fare class?
Delta.com makes the fare bucket information easy to find when searching for airfare. It is the letter in parentheses above the fare.
To learn more about what the fare bucket will include, click on the letter within the parentheses. It will provide details on the seat and any restrictions that go along with it.
SkyMiles earnings by fare class
When traveling on a Delta flight, Delta SkyMiles members earn miles at different ratios. The higher your tier in the Medallion elite status program, the more miles you’ll earn per dollar spent.
Members earn miles based upon the cost of the ticket at these ratios:
Note that basic economy tickets don’t earn miles.
How it works with Delta partners
When traveling on Delta airline partners, it is important to understand how many miles you’ll earn because this will vary based on the fare bucket.
Each fare bucket category earns different amounts of miles. For example, a full-fare business ticket in the J bucket would earn 200% of the miles equal to the distance flown, while discounted fare classes earn fewer miles and Medallion Qualification Dollars (key for earning Medallion status).
🤓Nerdy Tip
If you plan to credit a Delta flight to another frequent flyer program, you will want to compare the earning for the fare bucket in that program with Delta’s. They aren’t always the same. The website WhereToCredit.com can be especially helpful.
What are the benefits of Delta’s classes of service?
Delta One and Delta One Suites
This is Delta’s most premium cabin and is used primarily on international flights as well as select premium long-haul domestic routes.
Delta One has a variety of seating, with the most appealing being the Delta One Suites with doors that close for privacy. Most Delta One cabins are in a 1-2-1 configuration, with those at the windows offering extra solitude.
🤓Nerdy Tip
The Boeing 757s have a 2-2 configuration. Delta.com’s aircraft overview page makes clear the layout for each flight.
Delta One passengers receive multicourse meals, an open bar, amenity kits stocked with Grown Alchemist toiletries, noise-reducing headphones and more dedicated service. On certain flights, mattress pads make the seat more comfortable, but all passengers enjoy a large pillow and duvet.
Delta Premium Select
This is Delta’s premium economy cabin, which is mostly found on international flights and wide-body aircraft. It includes a larger seat with more recline. These seats are similar to what you might find in domestic first class. They recline more than seats in economy class but don’t lie flat. A footrest and spacious armrests with a small table add to the comfort.
Food and beverages include plated meals with a more impressive presentation than economy class and an open bar. A day blanket, a small amenity kit with Grown Alchemist products, noise-reducing headphones and a memory foam pillow await at each seat. Sky Priority access and the option to check two bags up to 50 pounds each round out the experience.
Medallion members don’t receive free upgrades to this cabin unless they use an upgrade instrument like a Global Upgrade on longer flights.
Delta first class
This is Delta’s premium cabin on most domestic and regional international flights. The cabins are in a 2-2 layout or 1-2 layout on regional jets. These seats are more spacious than those in economy with a side table to place a drink and larger seat pockets.
On some newer aircraft, Delta has installed seats with small privacy “wings” that act as side headrests, too. One complaint of these seats, however, is that they aren’t as padded as other Delta first class seats.
The standard level of service in first class is a welcome bottle of water at the seat, pre-departure beverages, complimentary drinks from the bar and, based on flight length and time of day, a meal. When flights don’t have a meal, a snack basket is passed around. Passengers receive Sky Priority access and the ability to check two bags per person up to 70 pounds.
Most domestic and regional first class flights are eligible for complimentary upgrades for Medallion members, which is a great perk although availability can be limited.
Delta Comfort+
These seats are integrated into the main cabin but have additional legroom and expedited boarding. They also receive a few extra food and beverage perks like complimentary alcoholic drinks and more snack selections.
There are no additional checked bag perks for this fare class, but those with a Delta co-branded American Express card get these benefits without an upcharge.
Passengers must pay a fee to upgrade to one of these seats, but Medallion members receive free upgrades to them.
Main cabin
The economy class section with standard airplane seats is the main cabin. On domestic Delta flights, nonalcoholic beverages and a snack are complimentary, but on long-haul international flights, a hot meal is served with complimentary drinks from the bar.
On long-haul international flights, a blanket is available. Passengers must pay to check a bag unless they have a Delta credit card or Medallion status.
Basic economy
This is the most restrictive Delta fare class and doesn’t include a seat assignment. These passengers are the last to board, which means finding space for carry-on bags can be a challenge (often, travelers must gate-check their bags).
Changes aren’t permitted to these tickets, and passengers won’t earn miles for their flight. Medallion members won’t be eligible for seat upgrades and cannot access the Sky Club.
Once the flight takes off, there are no additional restrictions with basic economy passengers afforded the same benefits as the rest of the main cabin, including free nonalcoholic drinks and snacks (a hot meal, alcoholic beverages and blanket on longer sectors).
What if I want to change my booking class?
After you purchase your ticket, Delta may send you offers via email, on the website or through the Delta app to upgrade your ticket using miles or paying in cash. Medallion members will also be added to the upgrade list for a higher cabin on eligible flights.
For long-haul flights, the only way to get an upgrade without paying miles or cash is to use an upgrade certificate.
These are an option for Platinum and Diamond Medallion members, but competition for upgrade seats (like with complimentary upgrades) can be fierce. For that reason, some travelers choose to pay the difference upfront to guarantee a better cabin.
Delta doesn’t charge a fee to change your ticket, but if you choose to upgrade or downgrade, any difference in fare would be charged (or credited).
Book smarter: Delta credit cards
Secure the best earning rates and benefits for your Delta flight needs by purchasing your tickets with the right credit card.
Here are a handful of Delta card options — or you can read a NerdWallet analysis on which are the best.
Top Delta cards
Delta SkyMiles® Blue American Express Card
Delta SkyMiles® Gold American Express Card
Delta SkyMiles® Platinum American Express Card
Delta SkyMiles® Reserve American Express Card
Annual fee
$0 intro for the first year, then $150.
Welcome offer
Earn 10,000 bonus miles after you spend $1,000 in purchases on your new Card in your first 6 months. Terms Apply.
Earn 40,000 Bonus Miles after you spend $2,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Terms Apply.
Earn 50,000 Bonus Miles after you spend $3,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Terms Apply.
Earn 60,000 Bonus Miles after you spend $5,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Terms Apply.
Learn more
If you seek more flexibility in redeeming miles for award flights, consider applying for a general travel credit card instead. A general travel credit card differs from an airline card in that you can book flights with multiple carriers, rather than reaping the benefits of staying loyal to a single brand.
The more high-end (or “premium”) the travel credit card, the more benefits you can enjoy, including airport lounge access or elite status in certain programs. That said, a brand-specific airline card can net you benefits like waived baggage fees, which can have a meaningful dollar value.
Delta fare classes recapped
Delta has several different cabins and levels of service, as well as fare classes that correspond to each one.
Understanding Delta fare classes can be a helpful way to make sure you have the flexibility and experience you want for a trip, including helping you earn more SkyMiles.
(Top photo courtesy of Delta Air Lines)
To view rates and fees of the Delta SkyMiles® Blue American Express Card, see this page.
To view rates and fees of the Delta SkyMiles® Gold American Express Card, see this page.
To view rates and fees of the Delta SkyMiles® Platinum American Express Card, see this page.
To view rates and fees of the Delta SkyMiles® Reserve American Express Card, see this page.
Hawaii isn’t known as a cheap destination, but if you’re set on visiting the Aloha state, choosing the right island can make a big difference in the cost of your trip. If you’re looking to save on a trip to Hawaii, head to the island of Oahu.
Of the four main Hawaiian islands for tourism — Oahu, Maui, Kauai and the Big Island — Oahu is the cheapest Hawaiian island to visit by multiple metrics. Oahu has the lowest daily average hotel room rate of the islands and the lowest average daily spending per tourist, according to May 2024 data from the Hawai‘i Tourism Authority.
The cost of hotel rooms on Oahu
Though the average room rate in May 2024 across all of Hawaii was $342, Oahu hotel rooms average about 21% less, coming in at $272. That translates to about $70 per night less than the average.
In a breakdown of average daily room rates in May 2024 by island, Oahu shines.
One reason for Oahu’s lowest average room rate? The island also has the biggest supply. In fact, Oahu had more than double the number of hotel room nights than Maui, the next closest contender.
Even when broken down by hotel class, Oahu still has the most affordable room rates across every level, from economy and midscale to luxury options.
Midscale and economy rooms in Oahu cost $151 per night on average. That’s 30% less than the average price for the same class of room across the entire state. And if you have a penchant for the finer things in life, you’ll save on Oahu, too. In fact, you could save about $223 per night by choosing to vacation at a luxury hotel in Oahu versus Maui.
Oahu, like other islands, offers opportunities to book stays using hotel points and credit card rewards. For example, Oahu is the only island with a Hampton Inn & Suites outpost, a midscale brand where you can redeem Hilton Honors points — and avoid pesky resort fees on award bookings.
One of Oahu’s most famous luxury hotels, the historic Moana Surfrider, a Westin Resort & Spa, Waikiki Beach, can be booked using Marriott Bonvoy points. Those can be earned through Marriott credit cards as well as general travel credit cards that accrue points that transfer to Marriott.
On the other side of the island sits another famous property, Turtle Bay Resort. The luxury hotel will soon become a Marriott property when it’s rebranded as The Ritz-Carlton O‘ahu, Turtle Bay in August 2024.
The cost of activities on Oahu
More goes into a vacation budget than just a hotel. There’s food, tours, ground transportation and souvenirs. And once again, travelers arriving by air spend less per day on Oahu than any other island.
Across all trip expenditures (including lodging), Oahu is the best bargain in average daily spending per person in May 2024, according to a separate study by the Hawai’i Tourism Authority.
So why is spending on Oahu lower than on other islands? Not only are there more hotels, but also more restaurants and other types of businesses. According to the latest U.S. Census Bureau data, Honolulu County in Oahu had more than 21,000 businesses in 2020, while Maui County in Maui had fewer than 5,000. The increased competition lowers prices for consumers.
There’s also just a lot of free and cheap stuff to do on Oahu. Many of the top activities — including visiting the Pearl Harbor National Memorial, lounging on Waikiki Beach and hiking the Makapuʻu Point Lighthouse Trail — are free. It costs just $5 per person to enter Diamond Head State Monument (though it’s an additional $10 for parking).
And because of Honolulu’s robust bus network and walkability, it’s easy to get around Honolulu without a rental car. For places more difficult to get to, it’s possible to rent a car for just a day or rely on rideshare services like Uber or Lyft.
There are plenty of ways to save on a Hawaiian vacation. Start by finding affordable flights to Hawaii’s cheapest island, Oahu. The higher concentration of hotels and businesses means more affordable options.
One of the most popular benefits the U.S. military offers is the GI Bill, which helps current and former service members pay for college or vocational school.
This federal benefit can help veterans transition to civilian life and achieve their educational and career goals. But because a veteran’s eligibility for education assistance can vary based on when and how long they served, their branch of service, and other factors, understanding and maximizing these generous benefits can be a challenge.
If you’ve been wondering how — and how much — the military pays for college, here’s a look at some GI Bill basics.
What Is the GI Bill?
The GI Bill, formally known as the Servicemen’s Readjustment Act of 1944, was signed into law by President Franklin D. Roosevelt at the end of World War II. The program was originally designed to offer various financial and social benefits to World War II veterans after they returned home. Those benefits included small business loans, mortgages, and education grants.
Today, the GI Bill specifically refers to any U.S. Department of Veterans Affairs (VA) education benefit offered to active-duty service members, veterans, and their families. The Post-9/11 GI Bill is the most frequently used VA education benefit program. Depending on how long you were in the military, it provides up to 100% of your tuition, money for housing, and a stipend for books and supplies.
Besides the GI Bill, serving in the military can give you access to other education-related benefits. As a service member on active duty, for example, you may qualify for certain perks or special repayment options for any federal or private student loans you’ve already taken out.
Types of GI Bills
Since it was enacted in 1944, the GI Bill has been extended — and expanded — several times. As a result, there are multiple parts and programs that can be used to pay for college. Here’s a closer look.
Post-9/11 GI Bill
This current version of the GI Bill is designed to support the latest generation of service members and veterans. If you have served on active duty for at least 90 days since Sept. 10, 2001, you are likely eligible for Post-9/11 GI Bill benefits. This is the case if you’re still in the military, or if you have already separated with an honorable discharge.
The Post-9/11 GI Bill can help cover the cost of college or an advanced degree, technical training, on-the-job training, or licensing/certification. Eligible service members can also transfer unused education benefits to their spouse and children.
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Montgomery GI Bill
The Montgomery GI Bill (MGIB) is an older GI Bill program that provides up to 36 months of education benefits to those who have served on active duty and meet the requirements.
The Active Duty Montgomery GI Bill (MGIB-AD) is for veterans and current members of the military who have served at least two years on active duty. It provides a monthly benefit payment to use for education and training costs.
The Selected Reserve and Guard Montgomery GI Bill (MGIB-SR) provides educational assistance to eligible members of the Selected Reserve, including National Guard members. Similar to the MGIB-AD, the MGIB-SR provides a monthly payment based on the type of education or training a recipient is getting.
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Other GI Bill Programs
The GI Bill also includes other education programs available to service members both during and after service, as well as their families. These include:
Veterans Readiness and Employment (VR&E)
If you have a disability connected to your military service that limits your ability to work or prevents you from working, the VR&E program can help. This GI Bill program can help you explore employment options and get the education or job training you might need to work. In some cases, your family members may also qualify for certain benefits.
Survivors’ and Dependents’ Educational Assistance (DEA)
The DEA program is for eligible spouses and children of veterans who were disabled, died, went missing in action (MIA), or were held as a prisoner of war (POW) during their service. It provides monthly payment to help cover the cost of education or job training for these family members.
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GI Bill Eligibility for Veterans
GI Bill veterans’ benefits are generally based on when you served, how long you served on active duty, and other factors. You also have to have been honorably discharged.
Though you may qualify for more than one type of GI Bill educational benefit, you can generally use only one benefit for a period of service; so you may have to decide which one is the best fit for your needs. (You can call the VA at 888-442-4551 if you need help making a choice.) Here are the eligibility requirements for different GI Bill programs.
Post-9/11 GI Bill Eligibility
If you served in the military after Sept. 10, 2001, you may be eligible for Post-9/11 GI Bill benefits. The amount you receive (which could range from 50% to 100% of the full benefit) will be based on how long you served on active duty and other criteria.
To be eligible for Post-9/11 GI Bill Benefits, you must meet one of these qualifications:
• You have served at least 30 days of continuous active-duty service after Sept. 10, 2001, and have been discharged due to a service-connected disability. Or:
• You have served an aggregate of 90 days of active-duty or federal service after Sept. 10, 2001, and received an honorable discharge.
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Montgomery GI Bill Eligibility
You may be eligible for the MGIB-AD if you:
• Served between two and four years after June 30, 1985.
• Have a high school diploma, GED, or 12 hours of college credit.
• Had your military pay reduced by $100 a month for the first 12 months of service.
You can find a full list of eligibility criteria here.
You may be eligible for MGIB-SR benefits if you:
• Agreed to serve for a period after June 30, 1985 (or for some types of training, after Sept. 30, 1990)
And either:
• Agreed to serve six years in the Selected Reserve, or:
• You’re an officer in the Selected Reserve and you agreed to serve six years in addition to your initial service obligation.
You can find a full list of eligibility requirements here.
Benefits Provided
Here’s a breakdown of the benefits offered by the Post-9/11 GI Bill.
Tuition/Fee Coverage
If you’re a veteran who qualifies for full benefits and you attend a public school as a state resident, the Post-9/11 GI Bill will pay all of your tuition and any mandatory fees directly to your school. You also may be eligible to receive the in-state tuition rate for an out-of-state school.
If you choose to attend a private or foreign institution of higher learning, or a qualifying non-college degree program, a predetermined maximum amount (currently up to $27,120.05) will be paid to your school annually. Benefits for flight training and virtual/online schools, which have their own maximums, also may be available.
Monthly Housing Allowance
The Post-9/11 GI Bill also pays a monthly college housing allowance. The program will pay you a percentage of the full monthly housing allowance based on the percentage of Post-9/11 GI Bill benefits you’re eligible for, as well as how many credits you’re taking.
If you are taking 100% of your classes online, you may be eligible for a monthly stipend equal to half of the national average stipend, which is currently $967.40.
Book and Supplies
Under the Post-9/11 GI Bill, you may be able to receive an annual stipend of up to $1,000 per year to pay for books and supplies. This stipend is paid out at the beginning of each term and is based on the percentage of benefits you’re eligible for and the number of courses you’re enrolled in for the year.
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Applying for GI Bill Benefits
If you’re a veteran and interested in getting the military to pay for college, you’ll need to apply for GI Bill benefits. Here’s a look at what’s involved.
Required Documents
Some of the information you’ll be asked for when you apply may include:
• Your Social Security number
• Direct deposit bank account information
• Education history
• Military history
• Basic information about the educational institution or training facility you want to attend
Application Process
You can apply for benefits online at the VA’s website. Alternatively, you can apply by mail. Simply call 888-442-4551 to request an application. Once you receive the application and fill it out, you can send it to the VA regional processing office that’s right for you (you can use this online VA locator). You can also apply by visiting your nearest VA regional office.
It takes the VA an average of 30 days to process an application. If the VA determines you are eligible for educational benefits, you’ll receive a Certificate of Eligibility (COE) that you can provide to the school you’ve chosen.
Military Tuition Assistance
The U.S. Department of Defense (DOD) also offers education benefits to current active-duty, National Guard, and Reserve Component service members who wish to pursue post-secondary education in their off-duty time. This is one of the many ways you can save money while serving in the military.
Called the Military Tuition Assistance program, it will pay up to 100% of tuition and course-specific fees, with a limit of $250 per semester credit hour and an annual limit up to $4,500. Degrees and programs of study covered include undergraduate and graduate programs, vocational/technical, distance learning, and independent studies. (Housing, books, and other expenses aren’t covered.) Details are available through each service branch’s website.
State Benefits for Veterans
Many states offer education benefits that veterans can use along with, or as an alternative to, their federal GI Bill benefits. To find out about these benefits — which may include tuition waivers, scholarships, grants, and other programs — you can visit the Department of Veterans Affairs or Department of Education website for your state. Your military branch also may have information about the various benefits available in your state.
Local and regional veterans service organizations also offer scholarship opportunities to qualified candidates. And your employer may provide help with tuition or student loan repayment as part of their veteran financial well-being programs.
The Takeaway
If you’re hoping to further your education when your military service is complete, the GI Bill can help you pay for college, graduate school, and a variety of training and certification programs. Depending on when you served, how long you served, and some other factors, you may receive help paying for a large portion of your education expenses, including tuition and fees, education-related supplies, and housing costs.
Beyond the GI Bill, you also may qualify to receive assistance through state resources, local and regional organizations, your employer, and federal student loans.
If you’ve exhausted all federal student aid options, no-fee private student loans from SoFi can help you pay for school. The online application process is easy, and you can see rates and terms in just minutes. Repayment plans are flexible, so you can find an option that works for your financial plan and budget.
Cover up to 100% of school-certified costs including tuition, books, supplies, room and board, and transportation with a private student loan from SoFi.
FAQ
Can the GI Bill be transferred to dependents?
If you meet certain service requirements, you may be able to transfer your Post-9/11 GI Bill benefits to an eligible dependent. You can apply for a Transfer of Education Benefits (TEB) through the Department of Defense.
Do GI Bill education benefits expire for veterans?
It depends. If you were discharged from active duty on or after Jan. 1, 2013, your benefits won’t ever expire. But if you were discharged before Jan. 1, 2013, your Post-9/11 GI Bill benefits will expire 15 years after you separate from the military.
Montgomery GI Bill benefits must be used within 10 years after your separation date. After that, you could lose any benefits you haven’t used, although the Department of Veteran Affairs (VA) may grant an extension under certain circumstances.
What education benefits can I get if I’m still in the military?
If you’re still serving in the military, you may be eligible for education benefits through the GI Bill, the Department of Defense’s Military Tuition Assistance, and other programs. You can get information at the Department of Veteran Affairs (VA) website or through your military branch.
Photo credit: iStock/Drazen Zigic
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Update 7/15/24: Letters have gone out informing cardholders will be converted to the Capital One Quicksilver (not sure if some cardholders are being offered other cards). We still don’t know who will issue the new Walmart card.
Capital One & Walmart have announced that their cobranded credit card partnership is ending. Capital One & Walmart launched two cards in 2019 and then Walmart sued Capital One in 2023 to exit the partnership, a judge ruled that Walmart could end the partnership early due to repeated customer service failures by Capital One.
Based on the statement released by both companies existing Capital One Walmart cardholders will be able to continue to use their cards and will eventually be product changed to another Capital One product. This means that whoever is going to be the new issuer of Walmart credit cards has not purchased the back book from Capital One (or Capital One didn’t want to sell it). So far no word on who will issue a new Walmart credit card.