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[Repost] Year-End Credit Card Checklist for 2022: Travel Credits, Spend Reset, Application Strategy & More

January 24, 2023 by Brett Tams

Update 1/1/23: Reposting this as a reminder to get started on the 2023 credits and limits As we near the end of year, it’s a good time to take stock of our credit cards and review which ones have benefits, requirements, or limits that reset at year-end. We’ll also examine which cards give you a […]

Posted in: Apartment Communities, Credit Cards Tagged: 2016, 2021, 2022, 2023, air travel, All, Amazon, amazon prime, american airlines, american express, Bank, bank of america, before, Benefits, blue, blue cash, bonds, bonus, british airways, brokerage, business, Buy, Buying, capital one, capital one travel, Capital One Venture, capital one venture x, chase, chase freedom, chase hyatt, chase ihg, chase sapphire, chase southwest, checklist, Citi, citi american airlines, citi dividend, citi prestige, Citi Prestige Card, citibank, clear, closing, Convenience, couple, Credit, credit card, credit cards, credits, dashpass, Deals, dell, dining, discover, dividend, doordash, entry, Fees, Financial Wize, FinancialWize, fitness, flight, food, gas, get started, gift, Gift Cards, gold, good, green, grocery, grocery stores, hilton, HSBC, Hulu, hyatt, ihg, jetBlue, JetBlue Plus, Lifestyle, list, lyft, Make, miles, More, needs, new, new year, offer, offers, Other, penfed, Personal, platinum, points, premium, quarterly categories, referrals, Review, rewards, rideshare, Schwab, second, shopping, signup bonus, southwest, Spending, stock, streaming, subscriptions, the new year, timing, Travel, u.s. bank, u.s. bank cash+, Uber, united, update, updates, US Bank, US Bank Altitude Reserve, vacations, venture x, visa, wells fargo, Wells Fargo Propel, wells fargo propel world, Wi-Fi, will

Q1 2023 5% Quarterly Categories: Activate, Offers & Suggestions (Freedom/Flex, Discover, Dividend, Cash+ & More)

January 22, 2023 by Brett Tams

Enroll for all 5% category credit cards for the first quarter of 2023, including the Chase Freedom/Flex, Discover IT, Citi Dividend, US Bank Cash+, more. Freedom offers 5x on Grocery stores, Target, and Fitness. Discover offers 5% on Grocery, Drugstore, and Streaming

Posted in: Apartment Communities, Credit Cards Tagged: 2, 2021, 2022, 2023, All, Amazon, amazon prime, apple, audible, Bank, bank of america, car, cash back, charity, chase, chase freedom, chase freedom flex, Citi, citi dividend, Clothing, Convenience, Credit, credit cards, credit union, discover, Discover it, dividend, electric, Financial Wize, FinancialWize, fitness, food, freedom flex, gas, gift, Gift Cards, good, Google, groceries, grocery, grocery stores, gym, health, home, Home Improvement, improvement, internet, list, making, MLB, More, Music, NBA, netflix, new, offer, offers, online purchases, Original, Other, party, platinum, points, Popular, premium, prep, Promotion, Purchase, quarterly categories, Rentals, rewards, safe, save, Spending, Sports, Strategies, streaming, target, tax, u.s. bank cash+, US Bank, Video, visa, walmart, will, work, youtube

32 Best Stay At Home Jobs For Moms & Dads (Great, Flexible Ideas!)

January 16, 2023 by Brett Tams

Becoming a mom is one of the best things to ever happen to me, and I love that my job is flexible enough that I get to spend time playing with my daughter and watching her grow up. I know not everyone wants to work from home with their kids, but I am grateful that […]

The post 32 Best Stay At Home Jobs For Moms & Dads (Great, Flexible Ideas!) appeared first on Making Sense Of Cents.

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9 Banks That Don’t Require Social Security Numbers

January 16, 2023 by Brett Tams

Learn about banks that don’t require a Social Security number to open an account. Suitable for immigrants, international students, and others.
Posted in: Credit 101 Tagged: 2, 2016, All, alliant, ARM, at home, ATM, Auto, Auto Loans, balance, Bank, bank account, bank accounts, bank of america, Banking, banks, before, Benefits, bills, bonus, bonuses, Budget, build, business, california, car, car loan, car loans, CDs, chase, Checking Account, Checking Accounts, Children, Citi, citibank, city, cons, country, Credit, Credit Bureaus, credit card, credit cards, credit history, Credit Report, Credit Reports, credit score, credit union, Debit Card, debit cards, decision, deposit, Digit, education, Emergency, Emergency Fund, exercise, expenses, Family, Fees, Financial Education, Financial Goals, financial habits, Financial Wize, FinancialWize, fire, Florida, food, foundation, free checking, fund, funds, goal, goals, good, Google, government, great, green, habits, Hispanic, history, holiday, home, home loans, How To, Illinois, interest, interest rates, international, Investing, investment, IRA, irs, kids, Learn, list, Live, loan, Loans, Local, low, low-income, Make, Marcus, market, military, model, money, money market, Money Market Account, money market accounts, More, more money, Mortgage, Mortgages, Move, new, new york, News, no fee, north carolina, offer, offers, Online Banking, Opening an Account, Other, parents, pay bills, Personal, Personal Loans, Popular, products, pros, Pros and Cons, protect, protection, Rates, ready, retirement, retirement accounts, Revenue, Review, Reviews, rural, san francisco, save, Save Money, Saving, savings, Savings Account, Savings Accounts, Savings Goals, scholarships, search, security, Self help, shortage, Small Business, social security, South Carolina, states, student, student loan, students, target, tax, taxes, td bank, theft, town, traditional, unique, US Bank, virginia, visa, washington, wealth, wealth management, wells fargo, will, wire transfers, Wisconsin

How To Open a Bank Account in the US as a Non-Resident

January 12, 2023 by Brett Tams

Opening a bank account as a non-US resident is possible, as long as you’re able to provide the required documentation.
Posted in: Credit 101 Tagged: agents, All, Alternatives, ARM, ask, at home, ATM, balance, Bank, bank account, bank accounts, bank of america, Banking, banks, before, Benefits, big, Bill Pay, bonus, brokerage, business, cash bonus, chase, Checking Account, Checking Accounts, citibank, cons, country, Credit, credit union, Debit Card, deposit, Direct Deposit, Europe, Fees, Finance, financial stability, Financial Wize, FinancialWize, good, government, great, helpful, home, How To, HSBC, Income, income tax, international, internet, irs, journey, Life, Local, maintenance, Make, making, money, More, most popular, News, offer, offers, office, Online Banking, Online Bill Pay, Other, overdraft fees, payments, paypal, Personal, personal finance, Popular, proof, pros, Pros and Cons, Purchase, Rates, running, save, savings, Savings Account, Savings Accounts, Schwab, security, single, social security, states, tax, tax time, td bank, traditional, Transaction, under, united, US Bank, wells fargo, will, wire transfers, withdrawal, work

Deferred Annuities Explained – What They Are & How They Work

January 11, 2023 by Brett Tams

Deferred annuities are a tax-deferred retirement income vehicle that could improve your standard of living after retirement. Learn more here.
Posted in: Money Basics Tagged: 2023, advisor, All, AllY, annuities, apple, ATM, balance, Bank, bank account, Banking, banks, before, Benefits, Bill Pay, bonus, build, business, Career, CD, chase, chase checking, Checking Account, Checking Accounts, Citi, color, Credit, credit cards, credit union, Debit Card, deposit, Direct Deposit, discover, equity, FDIC, Fees, Financial Wize, FinancialWize, free checking, funds, General, great, home, home equity, Income, Insurance, interest, interest rate, interest rates, investment, Learn, list, Loans, Local, low, maintenance, Make, making, market, Medical, mobile, Mobile Check Deposit, money, Money Management, More, Move, needs, new, offer, Online Banking, Online Bill Pay, Other, overdraft fees, Personal, Personal Loans, products, protection, rate, Rates, retirement, Retirement Income, Review, rewards, rewards checking, savings, Savings Account, Savings Accounts, Seniors, states, Strategies, students, Style, td bank, Travel, u.s. bank, united, US Bank, waiver, wealth, wealth management, withdrawal, work

The 8 Best 0% APR Credit Cards of November 2022

January 11, 2023 by Brett Tams

Whether you have a big purchase on the horizon or want to take some time to pay down an amount over a period of time, a 0% intro APR credit card could be a good option for you. APR stands for annual percentage rate. This rate represents the yearly interest of a credit card (or […]

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Annuity Surrender Charge Fees – What They Are & How to Avoid Them

January 10, 2023 by Brett Tams

Find out what to expect from your contract’s surrender clause and how to avoid charges if you cancel early.
Posted in: Credit 101 Tagged: advisor, All, AllY, apple, ATM, balance, Bank, bank account, Banking, banks, before, Benefits, Bill Pay, bonus, build, business, Career, CD, chase, chase checking, Checking Account, Checking Accounts, Citi, color, Credit, credit cards, credit union, Debit Card, deposit, Direct Deposit, discover, equity, FDIC, Fees, Financial Wize, FinancialWize, free checking, funds, General, great, home, home equity, How To, Insurance, interest, interest rate, interest rates, investment, Learn, list, Loans, Local, low, maintenance, Make, making, market, Medical, mobile, Mobile Check Deposit, money, Money Management, More, Move, needs, new, offer, Online Banking, Online Bill Pay, Other, overdraft fees, Personal, Personal Loans, products, protection, rate, Rates, retirement, Review, rewards, rewards checking, savings, Savings Account, Savings Accounts, Seniors, states, Strategies, students, Style, td bank, Travel, u.s. bank, united, US Bank, waiver, wealth, wealth management, withdrawal, work

Types of Annuities and Their Different Structures Explained

January 10, 2023 by Brett Tams

Annuity contracts can take many different forms. Learn the differences between them all so you can make the best retirement decisions.
Posted in: House Architecture Tagged: advisor, All, AllY, annuities, apple, ATM, balance, Bank, bank account, Banking, banks, before, Benefits, Bill Pay, bonus, build, business, Career, CD, chase, chase checking, Checking Account, Checking Accounts, Citi, color, contracts, Credit, credit cards, credit union, Debit Card, deposit, Direct Deposit, discover, equity, FDIC, Fees, Financial Wize, FinancialWize, free checking, funds, General, great, home, home equity, Insurance, interest, interest rate, interest rates, investment, Learn, list, Loans, Local, low, maintenance, Make, making, market, Medical, mobile, Mobile Check Deposit, money, Money Management, More, Move, needs, new, offer, Online Banking, Online Bill Pay, Other, overdraft fees, Personal, Personal Loans, products, protection, rate, Rates, retirement, Review, rewards, rewards checking, savings, Savings Account, Savings Accounts, Seniors, states, Strategies, students, Style, td bank, Travel, u.s. bank, united, US Bank, waiver, wealth, wealth management, withdrawal, work

Can I Get Out of an Annuity? – Penalties for Cashing Out Early

January 9, 2023 by Brett Tams

Find out if you can get out of your annuity, and under what circumstances if so.
Posted in: House Architecture Tagged: advisor, All, AllY, apple, ATM, balance, Bank, bank account, Banking, banks, before, Benefits, Bill Pay, bonus, build, business, Career, CD, chase, chase checking, Checking Account, Checking Accounts, Citi, color, Credit, credit cards, credit union, Debit Card, deposit, Direct Deposit, discover, equity, FDIC, Fees, Financial Wize, FinancialWize, funds, General, great, home, home equity, Insurance, interest, interest rate, interest rates, investment, Learn, list, Loans, Local, low, maintenance, Make, making, market, Medical, mobile, Mobile Check Deposit, money, Money Management, More, Move, needs, new, offer, Online Banking, Online Bill Pay, Other, overdraft fees, Personal, Personal Loans, products, protection, rate, Rates, retirement, Review, rewards, rewards checking, savings, Savings Account, Savings Accounts, Seniors, states, Strategies, students, Style, td bank, Travel, u.s. bank, under, united, US Bank, waiver, wealth, wealth management, withdrawal, work
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