12 Places You Could Visit for Free This Summer (With the Right Credit Card)

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4 Credit Cards to Help Pay Off Your Vacation Spending

Americans are lucky to be offered hundreds of competing credit cards, but it can be difficult to find the right one to suit your needs. Therefore, it’s important to know what your spending habits are in order to choose the card that makes the most sense for you.

Cardholders who carry a balance should look for a card with the lowest interest rate, and possibly one with 0% APR introductory financing. A lower interest rate means you will pay less money toward interest charges as you pay down the balance. Meanwhile, those who can avoid interest charges by paying their balances in full every month should choose a card that offers the most valuable rewards in the form of points, miles or cash back.

Make sure you also generally meet the credit issuer’s criteria. It’s a good idea to know what your credit score is so that you can target your search to a card you’re more likely to get approved for.

You should consider any benefits offered by the card, such as purchase protection or travel insurance. Finally, applicants should also take into account any applicable fees — such as annual fees and foreign transaction fees.

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Hey, Big Spender! Can You Afford It?

Big goals can carry price big tags. Whether you plan to buy a home, a new car or treat yourself to a much-needed vacation, you’ll need the money. And before you can really start planning for these big expenses, you’ll want to ask yourself, “Can I (or should I) afford it?”

If the answer is yes, then begs the question, “What’s an appropriate amount to spend?”

Here’s some advice on how to tackle a few big-ticket buys. And, if saving money isn’t exactly your strong suit, keep reading. I’ve included some of my favorite resources to get a jump-start at the end.

Buying a House? Cap Monthly Payments at 30%

When it comes to budgeting for housing costs, my rule of thumb is to spend no more than 30% of your take-home pay. That includes the mortgage, property tax and maintenance payments. The truth is that becoming a homeowner comes with hefty responsibilities and often, unforeseen costs.

Should your new home require a repair, you’ll want to be able to comfortably afford it without stretching yourself too thin. A rookie homeowner mistake is assuming you can spend the same monthly cost on a mortgage as rent. But renters aren’t necessarily required you to pay for plumbing damage or repair broken major appliances on their own dime.

Once you’ve calculated how much you can spend per month, figure out what size mortgage that equates to and that should help you narrow down homes by price. Home search website Zillow.com has a calculator that produces your target home price based on your annual income, monthly debt payments and the size of your down payment.

Speaking of, you’ll want to prepare to put down 20%, especially in competitive markets. For more on the specifics of home buying, check out my previous blog post.

Save more: To minimize monthly mortgage payments, be sure your credit is in great standing. Borrowers with high credit scores (often a 760 or greater) are best suited to qualify for the lowest interest rates on a home loan in today’s market.

Eyeing a Car? Ideally, Budget 15%

When it comes to purchasing a new car, aim to spend no more than 15 to 20% of your take-home pay. This includes maintenance and gas. if you pay with cash, take your annual salary and multiply it by .15 to calculate a max spend.

If you plan to finance or lease the vehicle, take your monthly take-home pay, multiply that number by .15 and that is a healthy budget for car payments (assuming you don’t have other major outstanding debt).

Save More: Go pre-owned. If you’re okay with a few scratches and some wear and tear but with the assurance that the car comes with a manufacturer’s warranty, then opting for a pre-owned vehicle could be a great way to save anywhere from probably 10 to 25%. This option can be more costly than going with a regular used car. But CPO’s come with benefits like a longer warranty and proper inspections.

If you’re set on purchasing a new car, wait until the end of the year when dealers are desperate to unload the current year’s models to make room for new inventory.

And for what it’s worth, waving cash at the dealer won’t necessarily earn you any discounts (unlike in years past). I recently purchased a new car and thought we would get a lower price by offering to pay entirely in cash. Wrong. Turns out, by signing up for auto-financing I was able to score a discount. With the loan interest rate at only 2% I decided to finance the car and commit to paying it off within the year (as opposed to four years) to keep interest payments to a minimum.

Fancy a Piece of Jewelry? Or any Luxe Item? Mind Your Savings.

Who doesn’t want to treat themselves to a little something every once in a while? Personally, I’ve been eyeing the new iWatch.  But for such discretionary expenses (aka “splurges”) it’s best to pay them with cash on hand. If you can’t pay it off in a month, then I question whether it’s really something you can afford. If it’s a financial stretch, perhaps it’s wiser to hold off on the purchase?

For discretionary or miscellaneous expenses, I think it’s responsible to cap spending at no more than five percent of income and that includes things like luxury items and recreational spending. If you need to tap savings, just be sure you replenish the account within the next month and aim to leave yourself with at least a six-month rainy day cushion at all times.

Save more: Similar to pre-owned cars, what about buying secondhand? Tradesy and Poshmark are two websites that have a large inventory of gently used (or in some cases brand new, but discounted) designer goods. These online vendors verify that items are authentic and match the seller’s description.

Sallie Krawcheck, Wall Street veteran and co-founder and CEO of the online investment platform Ellevest, revealed to me on my podcast So Money that discount site The RealReal is her go-to place to splurge. She calls it “financially savvy.” Hey, if it’s cool for her, then it’s cool for me!

Longing to Getaway? Time it Right.

I always say it’s most rewarding to spend on experiences, especially travel. It’s important to recharge your mind, body and soul or to simply learn about other cultures.

For vacations, again, coming from your discretionary budget, aim to spend within 5% of your take-home pay.

Save more:  Depending on when you book your flight you can earn more bang for your travel buck. Data from FareCompare show airfare tends to fall to its lowest level all week on Tuesdays starting at 3pm. That’s typically when airlines release the greatest number of deals and subsequent pricing wars lead to low prices.

Need Help Saving?

All of the above assumes that you have money left at the end of the month after covering your bills to save up and spend on big-ticket items. That may be a big assumption. Many of us live paycheck to paycheck and quite frankly, as humans, we’re not exactly hard-wired to save. As famed behavioral expert Dan Ariely once told me, “We see something, we want it and we go for it without thinking very much. The world is designed to tempt us and we follow and get tempted.”

Here are some free tools that can help us to curb some of that ill-fated temptation.

  • Digit – Save money without really having to think about it. Sign up for Digit by creating a free account. After a few days, Digit checks your spending patterns and moves a few dollars from your checking account to your Digit account, if you can afford it. Users can easily withdraw money any time, quickly and with no fees.. Over time, you’ll build a nice slush fund for yourself
  • Qapital –Qapital lets you set a savings goal and then create rules that trigger automatic transfers toward your goal. For example, users can charge themselves a determined amount for a guilty pleasure. Say they choose to charge $5.00 every time they order takeout, that $5.00 will go toward a goal of their choosing. Or, users can round purchases to the nearest dollar and the change will be allocated toward their specified goal. On this platform, the average user saves $44 each month.
  • SmartyPig – This is a free, high-yield savings account that lets you allocate money toward different financial goals. It can be hard to save for a big purchase if you’re lumping it in with your regular savings or checking account. But by compartmentalizing your savings for a particular goal (e.g. a new car, vacation, etc.) you can better track your progress. Like Digit, you can transfer funds at any given time.

Have a question for Farnoosh? You can submit your questions via Twitter @Farnoosh, Facebook or email at Farnoosh@farnoosh.tv (please note “Mint Blog” in the subject line).

Farnoosh Torabi is America’s leading personal finance authority hooked on helping Americans live their richest, happiest lives. From her early days reporting for Money Magazine to now hosting a primetime series on CNBC and writing monthly for O, The Oprah Magazine, she’s become our favorite go-to money expert and friend.

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How the Discover it Miles Card Can Help You Afford Next Year’s Vacation

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Top 5 Tips for Eating Well (And Cheap) While Traveling

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Welcome to the third of a six-part collaboration between Mint and Brewing Happiness. I’m Haley, the girl behind Brewing Happiness – a blog about celebrating the small healthy choices we make in our lives, complete with recipes for everybody!

In the first two articles I covered grocery shopping on a budget, and provided a healthy 7-day meal plan for under $150! Today I am going to shift my focus to eating healthy while traveling. As a person who has created a career around eating healthy, it is important to me to keep this up even when I am traveling.

This past month I set out on a month-long trip around Europe, so I had the chance to figure out the best strategies for eating healthy on a travel budget. I found that there is a delicate balance between penny pinching, eating healthy, and really indulging in the local cuisine. I didn’t want to miss out on any of that, and I figure you don’t either. So today I am going to share my top five tips with you! I promise there is a way to indulge (in a healthy way) on a budget.

#1 Come prepared.

Avoid wasting money on snacks at cafes or airports or train stations by coming prepared with your own snacks. Maybe this means trail mix, or protein bars, or nut butter or fruit – whatever it is, it’s much more cost effective to buy them preemptively than to buy them on the go. This way you can save your money for the meals that matter. Don’t let hanger drain your bank account!

#2 Be choosy.

Take time to do your research before visiting a city – search on the internet or ask friends for recommendations – and make a list of the top restaurants you must try. Then you can allocate a larger percentage of your food budget to those specific meals. That way you are nearly guaranteed a food experience that you will like, and you aren’t thoughtlessly spending money at cafes or restaurants that may or may not be worth it.

#3 Split food.

If you are traveling with another person or a group, splitting meals is a great way to save money. It allows for you to be able to try more dishes at one restaurant without breaking the bank. That way you can experience all of your destination’s food offerings without spending a fortune. It is also very helpful in practicing moderation (see tip 5.) BONUS – it helps prevent food waste!

#4 The market (AKA. grocery store) is your best friend.

If you run out of snacks or if you are lucky enough to stay in a place with a kitchen, grabbing snacks or meal supplies at the grocery store can save you so much money. Do your big spending at your list of top restaurants, and save the rest of your money by grabbing food at the market. (HINT: cheese and meat boards are a great cheap meal to buy at the store.) You can still try exciting local products at the market that will save you money at the same time. Especially if you are a coffee drinker, buying coffee at the market and making it in your accommodations will save you tons of money on your trip.

#5 Practice moderation.

It is easy to give into the “YOLO” mentality when traveling, and be tempted to order anything and everything on a menu that looks good. But the truth is that you will enjoy the meal more if you limit your order to one or two items. This way you won’t waste food, and you won’t break the bank. You can always return to a restaurant that blew you away, or save your money to try other unique menu items at the next restaurant you go to. That way you get to indulge in a healthy way!

So that’s it – my top 5 tips for eating well and cheaply while traveling! I know that travel isn’t always cheap, but it is possible to do well on a budget, especially when it comes to food. I hope these tips have helped inspire and remind you that eating healthy while traveling isn’t very hard.

Follow along!

Over the next couple of months I’ll be covering tons of ways to be healthy on a budget. So keep an eye out for those and head over to Brewing Happiness for healthy recipe inspiration in the meantime!

Haley Hunt Davis is the voice behind Brewing Happiness, a food blog dedicated to celebrating healthier choices. Haley makes “health-ified” versions of everyone’s favorite foods, like pizza and chicken nuggets, as well as suggestions for how to make every dish fit one’s lifestyle. For more from Haley, follow her on InstagramFacebookPinterest and Twitter.

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A Mid-Summer Moodboard

mid-summer moodboard on apartment 34

After a weekend of soaking up summer fun, friends and family, I feel like I’m emanating a warm, creamy glow. So rather than jump head first into Monday, I’d prefer to ease in, with dreams of golden sandy beaches, sun-washed destinations (like Puglia – seriously considering a trip next year!) and vacation vibes warming my bones. There’s something about a rustic pueblo look, a bit of Georgia O’Keefe in the desert mixed with seaside breeze that feels so delicious. While I’ve yet to finish my own house – though I’m trying desperately people – I promise – I now have a dream vacation home percolating in the back of my mind. Would you care to join in my daydream? Continue to scroll!

mid-summer moodboard on apartment 34mid-summer moodboard on apartment 34mid-summer moodboard on apartment 34mid-summer moodboard on apartment 34mid-summer moodboard on apartment 34a home full of subtle style on apartment 34

For more moodboard inspiration, CLICK HERE.

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Best Cities to Buy a Vacation Home for Post-pandemic Retreats

The coronavirus pandemic has made it tough to buy a home, including vacation homes. Homebuyer sentiment is at a ten-year low, and millions of families are struggling with unemployment or small businesses that are in trouble. They are forgoing their traditional week or two at the beach or mountains this year and staying home. Short term rentals built a whole new economy in popular vacation spots and many vacation homeowners count on revenues from short-term rentals to pay their mortgages.

Perhaps the only good thing about these hard times for vacation owners are the bargains that are opening up in vacation destinations nationwide. Home sellers have been in control for years, especially in the hottest short-term rental markets. If you are fortunate enough to be immune from the economic crisis that is sweeping the nation, now is the time to buy that vacation home you’ve been considering.

beach town vacation home post-pandemic buyingbeach town vacation home post-pandemic buying

Here are five of the nation’s most popular summer vacation destinations where bargains can be found.

Cape Coral-Fort Myers, Florida

Sales are 20% lower than last spring, and new listings are growing at a rate of 24 listings per 1000 households in the Cape Coral-Fort Myers market. Plenty of good deals are attracting a wave of buyers from Northern states despite the pandemic.

The Cape Coral-Fort Myers real estate market is rapidly growing, yet it still retains its small-town charm. Its quality of life, miles of Gulf Coast beaches, islands, and the economy continues to attract people. Homes.com lists more than 80,000 homes for sale in the Cape Coral area and about 9,000 in and around Fort Myers.

Lakeland-Winter Haven, Florida

Through April, sales were down 20% from April 2019, creating buyers’ market conditions in Lakeland-Winter Haven offer a dense suburban feel, and most residents own their homes. Located 25 miles inland from the Tampa Bay area. November, April, and March are the most pleasant months in the Lakeland-Winter Haven metro area. Click here to see available listings in Lakeland and in Winter Haven.

Santa Barbara, California

The California coast forms a crescent north of Los Angeles that connects breathtaking beaches, mountains, and vineyards. The Channel Islands National Park offers scuba diving, hiking, and whale watching. Santa Barbara’s downtown offers world-class shopping and dining.

Its real estate offerings feature a sizeable luxury home market and affordable houses as well. The pandemic is taking its toll. According to the local MLS, closings have declined from 142 closings between March 15, 2019, and April 15, 2019, but only 95 closings during the period this year. The drop in sales gives buyers an advantage in a market that features “Access Hollywood” quality listings. To see for yourself, check out Santa Barbara’s available local listings on Homes.com.

Saugatuck, Michigan

Not all excellent beach resorts are on an ocean. If you live in the Midwest, there’s a great one on the east coast of Lake Michigan. With sun, sand, and freshwater to offer, try Saugatuck. Saugatuck is a 150-old former logging town that became a local resort a century ago. Now Southwest Michigan ranks as one of Conde Nast’s 25 best places to go in 2020. Oval Beach on Lake Michigan, sand dune rides, a beach that is litter-less, a chain ferry across the Kalamazoo River, and hammocks on every porch make Saugatuck a great place for families to relax. Homes.com lists some beachfront properties that are more affordable than either coast. Best of all, it is an easy drive from Chicago and Detroit.

Ocean City, Maryland

This Mid-Atlantic shore town is straight from the 1980s with boardwalk, putt-putt golf, beach parties, and famous french fries. In fact, it’s one of the best boardwalk beaches in the US, according to National Geographic’s Traveler. Its real estate market is also more proletarian, featuring high rise condos and bungalows. The pandemic drove away sellers this year, and new listings fell 27% in April, a multi-year low, leaving fewer than 800 listings as the summer season opens. The pandemic also drove down asking prices, and the median new listing price is only $290,000, far below the median for the year, $352,000. Looking to buy? Browse available listings in Ocean City on Homes.com.

America is starting to open up just as the summer begins. As restrictions relax and more beaches open, 2020 might become a great year to get a deal on a beach property.


Steve Cook is the editor of the Down Payment Report and provides public relations consulting services to leading companies and non-profits in residential real estate and housing finance. He has been vice president of public affairs for the National Association of Realtors, senior vice president of Edelman Worldwide and press secretary to two members of Congress.

Source: homes.com

Increased American Express Delta Offers (Up To 90,000 Miles)

The Offers

  • American Express is offering increased offers on the Delta cobranded cards.
  • Personal offers:
  • Business offers:

Our Verdict

Better than the previous increased offers we’ve seen on these cards before. Although Delta keeps devaluing rewards miles, so relatively speaking it’s difficult to say if that’s actually the case or not. Still worth considering some of these offers if you plan to travel after vaccination and can use them in the medium term. We will be adding these to our best credit card bonus page.

Source: doctorofcredit.com

Moving Abroad? The Importance of a Life Insurance Review

Life insurance is never a pleasant topic of conversation – let’s face it, none of us relish having to contemplate our own mortality – but if you have any dependents or financial commitments such as a mortgage, it is an absolute must-have. When we talk about dependents, that doesn’t only mean your children – if there is anyone who would be negatively affected financially if you were to pass away, life insurance is a necessity. That includes a husband or wife, a partner you cohabit with and possibly elderly parents.

The Basics About Life Insurance

Life insurance is a means of protecting your loved ones financially after your death. It compensates them for the loss of your income by paying them a lump sum (or regular payments) to mitigate the financial impact of your passing away. The cover you have in place should take into account all your regular outgoings, particularly those with large debts such as a mortgage, but also day-to-day expenses, education costs, childcare requirements and other loans.

Why You Should Review Your Policy

Any major life event will affect your life insurance requirements and necessitates a review of your policies to adjust cover to take account of your new situation. Such events include the birth or adoption of a child, a marriage, a divorce, the purchase of a property or business and even the taking up of a new potentially dangerous hobby such as skiing. However, perhaps the most important time to review your life insurance cover is when you move out of the country.

If you are about to become an expat, chances are you have a to-do list as long as your arm. It inevitably includes informing everyone of your change of address, liaising with moving companies and packing – but does a review of your life insurance requirements appear on the list? In the chaos of an international move, this is one area that often gets overlooked, but failing to address the issue can have devastating consequences. If you have already moved abroad but have failed to review your life insurance, you need to do this without delay.

The reason is that life insurance premiums are worked out taking into account a whole host of factors including age, health and where you live. Any changes to any of these factors could alter the premium, and omitting to notify your insurer of them could render a policy null and void.

Keep your loved ones protected in the event of your passing.

You May Need New Coverage

Becoming an expatriate can actually invalidate your coverage altogether, especially if you are moving from a low-risk country to somewhere considered to be high risk. Insurers will, unfortunately, use any excuse not to pay out, so it is essential to contact your insurer or broker and ask them to check your policy. If you are covered in your new country of residence, you should ensure that you get written confirmation of this from your insurer, just to avoid any room for error.

In fact, the chances are that you will not be covered and will need to alter your policy or take out a new one altogether. Life insurance coverage can be very reasonably priced, but it is important that it takes into account your unique circumstances, and this can make it complicated to set up. This is particularly true for expats, who are more likely to have additional considerations to bear in mind including mortgages on dual properties, high school fees and the repatriation costs of your loved ones in the event of your death. If you are divorced, you may also have obligations from a former marriage to take into account. A professional financial advisor will be invaluable in guiding you through the life insurance minefield, reviewing your requirements and exploring the options available to you.

In Conclusion …

It is also worth remembering that a move abroad will mean a change of domicile and of jurisdiction, which will have an effect on the laws governing succession in the event of your death. This could significantly affect the amount payable on your estate in inheritance tax, and life insurance coverage should be adjusted accordingly to take into account your obligations and to cover taxes due to save your loved ones from having to pay these. Your death would be difficult enough for them to deal with, let alone finding themselves in a financially precarious situation. Depending on where you move to, there could be tax-effective steps you can take to safeguard your estate.

A professional financial advisor in your new country of residence will be invaluable in helping you structure your life insurance in the most cost-effective way possible.

Infinity Financial Solutions is a leading provider of financial services to the expatriate community across Asia and beyond. With offices in six regional centres, a staff team of 15 different nationalities and clients from over 80 different countries, the company is genuinely international in its focus. Infinity provide individually tailored financial planning to protect, build and maximize the wealth of their clients.

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Modern Cabin Vibes in Upstate New York

After recently taking my first excursion to a snow-covered Lake Tahoe, I was reminded of how much I  love the look of a wintery cabin – when done well. Case in point, Scribner’s Lodge in the Catskills. Once a kitschy 1960’s motor inn, the space has been completely reimagined into a alpine-inspired cool kids hangout.

Modern Cabin Vibes in Upstate New York on apartment 34Modern Cabin Vibes in Upstate New York on apartment 34

A modern cabin looks relies on the simplest of elements. Pine. Whitewashed walls. Strong injections of black. But there’s nothing overly complicated. Utilitarian comforts are all you need, but there’s also no need to sacrifice style.

Modern Cabin Vibes in Upstate New York on apartment 34Modern Cabin Vibes in Upstate New York on apartment 34Modern Cabin Vibes in Upstate New York on apartment 34Modern Cabin Vibes in Upstate New York on apartment 34

While we probably can’t live this simply all the time, it’s such a relief – a breath of fresh mountain air- when we do for even a few days. As I make my way through the Marie Kondo show on Netflix, I’m going to being taking a good look at what is absolutely necessary to have around.

Modern Cabin Vibes in Upstate New York on apartment 34Modern Cabin Vibes in Upstate New York on apartment 34Modern Cabin Vibes in Upstate New York on apartment 34Modern Cabin Vibes in Upstate New York on apartment 34

So while your inbox may be inundated by brands who want you to think spring has arrived two months early, I say escape to a cozy cabin while you can still can. I’m making my reservation right now.

For more design inspiration, CLICK HERE.

images via nicole franzen, colin king, remodelista, and north, the cuff

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Source: apartment34.com