When it comes to traveling, you're leaving money on the table if you aren't preparing for it with a solid credit card strategy. That goes double if you are someone who has to travel for work. It's also true if you regularly buy things for work that end up being reimbursed. So,let's talk about how you can get closer to your next travel destination every time you swipe that card.
The Chase Family of Cards
Hard to beat double points on most things. Although Triple points is pretty great...
Chase has several credit cards that all give out Chase Points. Which card you should choose depends on your financial situation and how much money you spend on a credit card generally. We'll start with the cards that have no annual fee, but lower rewards. Taking it from the bottom to the top:
You have two versions of this card, the Chase Freedom and the Chase Freedom Unlimited.. The Freedom card gives you 5% back in Chase points, up to $1500 each quarter. This is a good deal, however, the points are allocated to a different category every month. So, for April-June, points go to grocery stores. It's a bit of a game but pays off. The Unlimited card pays you back 1.5% on every purchase, and doesn't have the $1,500 limit. So choose which game you want to play.
Chase Sapphire: Preferred
This is a solid choice since it gives you 2 points every time you spend money on travel or dining. Travel covering: Plane tickets, train tickets, subway cards, hotels and tours. Dining is everything from a 5 star restaurant to Mcdonald's. It has a bonus of 50,000 bonus points (which is worth at least $500) when you spend $4,000 on it in the first 3 months of the account being open. It also has no annual fee for the first year, (it's$95 after that).
Chase Sapphire Reserve
This is Chase's highest end card. It offers 3 points for every dollar you spend on travel and also comes with a 50k bonus after spending 4k in the first 3 months. It also comes with a $300 annual travel credit you can apply to any trip you take. Plus it pays for Global Entry or TSA Precheck which if you ever travel, really at all, is a huge time saver. However, this has a $450 annual fee and is not waived for the first year. So, if you are going to fly at least 2-3 times a year this is probably worth it. If you travel only once a year, it is probably not.
Chase Ink Preferred
This also offers you 3 points for every dollar you spend on travel plus for any dollar you spend on internet and phone service. This card offers 80k bonus points if you spend 5k on purchases in the first 3 months. It also only has an $95 annual fee. The big however on this card is it can only be used by 'businesses,' so, you need to have a business, or be able to convince Chase that you have a business.
The Citi ThankYou Point Cards
Worry not, Linda Walker will get all of the points.
Citi also has a variety of cards depending on your budget and how much you end up swiping in a given month.
Citi ThankYou Preferred Card
You receive 2 ThankYou points for every dollar you spend on dining and entertainment. That's both dinner and a movie. (Yes, someone probably made that exact pitch in a meeting.) Plus you get 1x on everything else. It has the big benefit of having no annual fee and an APR (how much they charge you to hold a balance month to month) of 0% for the first 15 months. Which is great if you aren't starting a job for a while, or looking for a job.
Citi ThankYou Premier Card
This has 3x on all travel including gas stations. The same 2x for dining out and entertainment and 1x on everything else. Plus a solid sign up bonus of 50k ThankYou points after you spend $4k in the first 3 months. The annual fee is only $95 and waived the first year.
Citi Prestige Card
This is their high end card. This has all the same benefits as the card above, except not gas stations apparently people with this card don't pump their own gas. It also doesn't have a signing bonus currently. The big perk this card has is a complimentary 4th night free in a hotel when you book through their service. If you are someone who spends business time or vacation time in hotels, this can be a gigantic savings.
The American Express Cards
Who is this Greek Hero? Can he get me a cheap flight?
This is probably the oldest and most trusted rewards program out there. In fact, many of their competitors are slightly better only because they are attempting to steal people away from these programs.
The Starwood Preferred Guest Card
This is the go- to card for consultants and sales people who spend far too much time in hotels. You get 2x Starpoints for every dollar you spend at Starwood hotels. Occasionally they run promotions and this can end up being 5x for every dollar. To be clear that is a pretty narrow slice of the world but if you travel regularly for work this adds up quickly. Also to be clear Starpoints are way more valuable than most of the other points. The big use is for getting free hotel rooms around the world at a lower rate than any other program. So, if you stay at hotels in say Chicago all the time for work and want to stay at hotels in Paris for vacation this is the way to go. Only a $95 annual fee after the first year waived.
Blue Delta SkyMiles American Express
This is also a go-to card for people who fly a lot for work. Instead of getting points through American Express, you get miles with Delta that can be exchanged for flights with Delta. This comes with 2x Delta miles if you are at a restaurant, and no annual fee. Also a solid 10k bonus miles when you spend only $500 in the first 3 months.
Premier Rewards Gold Card
This is the American Express that you probably think about if you have an image of one in your head. It's gold and has a Gladiator head design on it. This gives you 3x points for flights you book with the airline. 2x points at restaurants, gas stations and supermarkets. Plus $100 airline fee credit. You know how now all airline tickets charge extra for everything including bag fees and sometimes peanuts? This can offset up to $100 of that. Also gives 25k points when you spend just 2k in the first 3 months. It's annual fee of $195 is a bit steep but is waived for the first year.
The big thing to remember when you're making a decision on which credit card to use is how much money do you spend and where do you spend it? It's no good to get $400 in travel rewards if you need to pay a $500 annual fee to get them. At the same time an additional $95 in annual fee could get you hundreds more dollars in rewards. So take a minute and look at how much money you spend on your credit cards now. Regardless of the answer there is a card out their that can get you to your next vacation faster. Happy and safe travels!
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Over the past month, both Haiti and Afghanistan have been pummeled by tragic disasters that left devastation in their wake.
In Haiti, a 7.2 magnitude earthquake erupted, leading over to 2,189 deaths and counting. A few hours later, in Afghanistan, Kabul fell to the Taliban just after U.S. troops had pulled out after 20 years of war.
In many ways, these disasters are both chillingly connected to US interference. The United States invaded Haiti in 1915, ostensibly promising to restore order after a presidential assassination but really intending to preserve the route to the Panama Canal and to defend US creditors, among other reasons.
But the US forces soon realized that they were not able to control the country alone, and so formed an army of Haitian enlistees, powered by US air power and intended to quell Haitian insurrection against US controls. Then, in 1934, the US pulled out on its own, disappointed with how slow progress was going. Haiti's institutions were never really able to rebuild themselves, leaving them immensely vulnerable to natural disasters.
Something similar happened in Afghanistan, where the US sent troops and supported an insurgent Afghan army – only to pull out, abandoning the country they left in ruins, with many Afghans supporting the Taliban.
In both cases, defense contractors benefited by far the most from the conflict, making billions in profits while civilians faced fallout and devastation. While the conflicts and circumstances are extremely different and while the US is obviously not solely to blame for either crisis, it's hard not to see the US-based roots of these disasters.
Today, in Haiti and Afghanistan, civilians are facing unimaginable tragedy.
Here are charities offering support in Afghanistan:
1. The International Rescue Committee is looking to raise $10 million to deliver aid directly to Afghanistan
2. CARE is matching donations for an Afghanistan relief fund. They are providing food, shelter, and water to families in need; a donation of $89.50 covers 1 family's emergency needs for a month.
3. Women for Women International is matching donations up to 500,000 for Afghan women, who will be facing unimaginable horrors under Taliban control.
4. AfghanAid offers support for people living in remote regions of Afghanistan.
5. VitalVoices supports female leaders and changemakers and survivors of gender-based violence around the world.
Here are charities offering support in Haiti:
1. Partners in Health has been working with Haiti for a long time, and they work with the Department of Health rather than around them, which is extremely important in a charity.
2. Health Equity International helps run Saint Boniface Hospital, a hospital in Haiti close to the earthquake's epicenter.
3. SOIL is an organization based Haiti, "a local organization with a track record of supporting after natural disasters." They are distributing hygiene kits and provisions on the ground to hospitals and to victims of the earthquake.
4. Hope for Haiti has been working in emergency response in Haiti for three decades, and their team is comprised of people who live and work in Haiti. They focus on supporting children and people in need across Haiti.
When the new Tiffany's campaign was unveiled, reactions were mixed.
Tiffany's, the iconic jewelry brand which does not (despite what some might be misled to believe) in fact serve breakfast, featured Jay Z, Beyoncé, and a rare Basquiat painting in their recent campaign.
The aesthetics were undeniably luxe and historic. The campaign showcased the rarely-seen Basquiat painting Equals Pi (1982), which the brand acquired for the background's proximity to its distinctive Tiffany blue. Also notably historic is that Beyoncé was the first Black woman to wear the 128.54 carat Tiffany Diamond.
Before Beyoncé, the only other stars to wear the yellow diamond were Mary Whitehouse, wife of American diplomat Edwin Sheldon Whitehouse, Hollywood icon Audrey Hepburn, and singer Lady Gaga.
"Beyoncé and Jay-Z are the epitome of the modern love story …. Love is the diamond that the jewelry and art decorate," said the press release accompanying the campaign.
The campaign, titled "About Love," is stunning and has both classic and contemporary references. The image of the couple posing in front of high art recalled the iconic stills from their "APESHIT" music video, for which they famously rented out the Louvre and posed in front of the Mona Lisa.
THE CARTERS - APESHIT (Official Video) www.youtube.com
Their "APESHIT" photo made a giant cultural impact for its juxtaposition of Western beauty and Blackness. Tiffany's campaign seemed to have similar goals — showcasing Beyoncé and Jay Z as the peak of luxury, this time juxtaposing the Basquiat and the Tiffany diamond.
As a Black couple, their appearance in such a luxury campaign was a big move for representation, but in a post 2020 landscape, there was an outcry of criticism.
Despite the aesthetic beauty of the image, the high capitalist undertones didn't sit right with some on the internet — largely younger demographics. Though this campaign was an effort by Tiffany's to appeal to younger audiences and make the brand feel more relevant, Twitter's verdict was clear: a blood diamond wasn't the way to go.
The diamond, which was mined in South Africa in 1877, comes from origins laden in the implications of colonialism. The practice of mining in South Africa at the time was exploitative and destructive, eschewing the livelihoods and safety of African miners and their communities for... what? Money? So Tiffany could try to sell us some dream of affluence using Black celebrities as to "Blackwash" the history behind their treasured piece?
The Washington Post also had some choice words, saying: "Its campaign does not celebrate Black liberation — it elevates a painful symbol of colonialism. It presents an ostentatious display of wealth as a sign of progress in an age when Black Americans possess just 4 percent of the United States's total household wealth. If Black success is defined by being paid to wear White people's large colonial diamonds, then we are truly still in the sunken place."
Alongside the campaign, Tiffany & Co have promised to donate $2 million to HBCUs to fund scholarships and internships. But this measly amount (considering the multi-billion dollar net worth behind LVMH) is not enough to cover up that, despite their performative efforts to promote "diversity," Tiffany's is entrenched in a colonial history that neither beauty nor Beyonce can make us ignore.
While Black representation has been increasing over the past few years, the question of how we are represented is starting to be considered with more nuance. And as we examine the structures of wealth and hierarchical values, many people are starting to ask whether these should be the standards we aspire to anymore.
Jay Z and Beyoncé have come under fire before for their promotion of Black Capitalist values — which the kids don't seem to want. Jay Z especially seems invested in the trappings of traditional (read: white) success and wealth. His cannabis line recently unveiled a campaign based on the work Slim Aarons — which was famously focused on "attractive people doing attractive things in attractive places" — and its unashamed opulence raised some eyebrows.
Images like this aren't as revolutionary as they once might have been since they reinforce the status quo and tell marginalized people to reach for the same luxuries and lifestyles deemed aspirational by the people who have oppressed them.
Anti-capitalist theory has been around as long as capitalism has, but younger generations are more likely to question the status quo — even when it comes packed with Basquiat and Beyoncé.
The conversation about the Tiffany campaign is indicative of how Gen Z thinks differently about money and what it means to them. They are less likely to be seduced by the luster of the aspirational, and more receptive to relatability.
No more does financial literacy seem restricted to the pretentious or the elite — we get it, finance bros; you love capitalism. With Cleo, understanding your money is something that can align users with their values.
And those values don't look like blood diamonds or corporate pandering.
- Sorry, Beyoncé, but Tiffany's blood diamonds aren't a girl's best friend - Washington Post
- The Black-white wealth gap left Black households more vulnerable — Brookings
- The Unashamed Opulence of Jay Z's Luxury Cannabis-Themed Slim Aarons Photoshoot — Popdust
- ATTRACTIVE PEOPLE DOING ATTRACTIVE THINGS IN ATTRACTIVE PLACES WITH SLIM AARONS — Elle Decor
Road trips can be a lot of fun — but they can also drain your wallet quickly if you aren't careful.
From high gas costs and park admission fares to lodging and the price of eating out every night, the expenses can add up quickly. But at the same time, it's very possible to do road trips cheaply and efficiently. Without the headache of worrying about how much money you're leaking, you can enjoy the open road a whole lot more. Here's how to save money on a road trip.
1. Prepare Your Budget, Route, and Packing List in Advance
If you want to save money on a road trip, be sure you're ready to go. Try to count up all your expenses before you hit the road and create a budget. It's also a good idea to plan your route in advance so you don't end up taking unnecessary, gas-guzzling detours. And finally, be sure to pack in advance so you don't find yourself having to buy tons of things you forgot along the way.
2. Book Cheap Accommodations — Or Try Camping
All those motel rooms can add up surprisingly quick, but camping is often cheap or free, and it's a great way to get intimate with the place you're visiting. You can check the Bureau of Land Management's website for free campsites. Freecampsite.com also provides great information on If you don't have a tent or don't want to camp every night, try booking cheap Airbnbs or booking hotels in advance, making sure to compare prices.
camping road tripConde Nast Traveler
If you're planning on sleeping in your car, a few tips: WalMart allows all-night parking, as do many 24-hour gyms. (Buying a membership to Planet Fitness or something like it also gives you a great place to stop, shower, and recharge while on the road).
3. Bring Food From Home
Don't go on a road trip expecting to subsist on fast food alone. You'll wind up feeling like shit, and it'll drain your pocketbook stunningly quickly. Instead, be sure to bring food from home. Consider buying a gas stove and a coffee pot for easy on-the-go meals, and make sure you bring substantial snacks to satiate midday or late night cravings so you can avoid getting those late night Mickey D's expeditions.
Try bringing your own cooler, filling it with easy stuff for breakfast and lunch — some bread and peanut butter and jelly will go a long way. Bring your own utensils, plates, and napkins, and avoid buying bottled water by packing some big water jugs and a reusable water bottle. Alternatively, try staying at hotels or Airbnbs with kitchens so you can cook there.
4. Avoid Tolls
Apps like Google Maps and Waze point out toll locations, so be sure to avoid those to save those pennies. (If it takes you too far off route, you might have to bite the bullet and drive across that expensive bridge).
You can also save on parking fees by using sites like Parkopedia.
Road TripThe Orange Backpack
5. Save on Gas
Gas can get pricy incredibly fast, so be sure that you're stopping at cheap gas stations. Free apps like GasBuddy help you find the most affordable gas prices in the area. Also, try going the speed limit on the highways — anything faster will burn through your tank. Be sure that you don't wait till you arrive at touristy locations or big cities to fill up.
6. Get a National Park Pass
All those parks can get really expensive really fast. If you're planning on visiting three or more parks, it's a great idea to get an America the Beautiful National Parks Pass. For $80 you can get into every National Park for one year.