{Travel Hacking}: How to Get a Family of 5 to Hawaii All With Reward Points

There’s still so many places that I want to visit in the world: Hawaii, Bora Bora, Australia, Europe, Turks and Caicos.

The list goes on and on.

What appeals to me more when I read these amazing travel hacking stories of people touring the globe while paying little fees because they were able to use frequent flyer miles.

This is commonly referred to as “travel hacking” and I’m all about it.

As most people know, traveling can get expensive.

Traveling with 3 kids can get REALLY expensive. When Geoff from Noobtraveler.com contacted me about a guest post I immediately bit….kinda.

My requirement for the guest post was to show me (and my readers) how I could take my entire family to Hawaii for basically free.

How’s that for a tall order for a guest post? :)

Let’s see what Geoff has to say….

free hawaii vacation
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A Beginner’s Guide to Credit Card Rewards

The following is a guest post by Kevin McKee, co-founder of Reward Boost.

credit card balance transferI am amazed at how many people are not taking advantage of credit card rewards programs.

I recently talked with someone who thought credit card rewards were a scam and could never be redeemed.

I’ve talked to others who aren’t even aware these programs exist.

I’m here to tell you that credit card rewards do exist, they aren’t a scam, and you can use them to earn hundreds or even thousands of dollars a year depending on your spending habits without paying a dime in fees or interest. (Or you can go all out and get several cards at the same time using something called an App-o-Rama, but that definitely isn’t for beginners.)
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How to Pay Off Your Credit Card Debt Fast

When you find yourself under a mountain of debt, there’s nothing more appealing than paying your credit cards off as fast as you can.

get out of credit card debt fast

One of the most commonly used methods for paying off credit cards fast is The Debt Snowball, made popular by Dave Ramsey. The snowball gives you tangible results and helps motivate you to pay off your debts, but it is somewhat controversial in nature because it doesn’t have participants pay off their highest interest debts first.

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How to Get a Personal Loan Approved

get a personal loan approved bad creditIn some cases, a personal loan is desirable.

You may want to start a home business, or you may want to borrow for a vacation, or you might have some other use for the money.

A personal loan — usually unsecured — can provide you with a little extra cash to help you meet your goals.

Actually securing that personal loan can be a bit difficult, though.

Here’s a few ways on how to get your pers0nal loan approved.

And if that doesn’t work, we have offer some other options, too.
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How to Make Sense of Your Credit Card Numbers

credit card numbersWhen you look at your credit card, chances are that you notice the numbers on the front.

The numbers on the front of the card provide an interesting amount of information — beyond just an account number attached to your finances.

When you use your credit, the numbers tell a story.

And you can know that story if you understand what the numbers on the front of your credit card mean.

Transparency with cards is important, and you can get a better idea of what to expect when you know what your credit card numbers mean.
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Credit Card Hacking with App O Rama: How to Receive Thousands of Airline Miles and Cash Bonuses

When Kevin first approached me about the idea of writing a post and conducting a personal case study on himself about “App O Rama”, I had no idea what he was talking about. After a brief explanation, I was intrigued…very intrigued.

Why? ‘Cause I’m all about hacking certain strengths to achieve real and quantifiable benefits.

I hate credit card debt, but I use a credit card for everything I buy. We pay it off each month, collect our reward points (usually cash) and we’re on are happy way.

If you are responsible enough, credit cards are not evil.

To me, App o Rama is taking it to the next level. What’s it all about? Read on to find out….

app-o-ramaFair warning: I’m about to take most things you know and love about your credit score and turn them upside down. Please buckle up, it might be a bumpy ride.

Your credit score is precious.

It is something to be loved, cherished, and above all… protected at all costs. (Or at least… most costs.) We put it into a high security vault and make sure nothing ever touches it. We pay off our debts, set up automatic payments, and do whatever possible to avoid foreclosure and bankruptcy.

Personal finance bloggers, financial planners, and pundits all love to heap praise upon the mighty credit score. Your credit score is the thing that can rescue you from thousands in errant interest payments and help your refinance to lower your costs. It’s one of the things people in debt most worry about. That’s why you see a ton of articles out there about how to improve your credit score.

And that’s great. Most people simply don’t understand how much of an impact their credit score can have on their life.
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Capital One Spark Cash Business Credit Card

Finding a solid business rewards credit card isn’t always easy. Sometimes there are high annual fees while others have tiered rewards where you have to spend thousands of dollars before any real rewards kick in.

For the business owner that doesn’t want to have a bunch of separate credit cards aimed to provide the most benefit in each category of spending (typically office supplies, telecommunications, gas, dining, and lodging just to name a few), it can be hard to find that all around solid card.

Who wouldn’t want to carry just one credit card instead of five?

Enter Capital One’s Spark Cash Business Credit Card to save the day.
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Best Small Business Credit Cards and Charge Cards

Are you bootstrapping your business and in need of a credit card to help you expand your operations? Or has your company grown and you are just looking to maximize the rewards from your spending so you can continue your growth?

With a dizzying array of small business credit cards and charge cards available it can be frustrating to dig through all of the details and find the best one. Do you need a low APR, a 0% introductory offer, bonus points, or a rewards program? Or a combination of all of them?

11 Best Small Business Credit and Charge Cards

Here are the top small business credit cards and charge cards you can use to grow your business.

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Growing a Freelance or Small Business? Use Chase Ink Classic Business to Grow Your Empire (Now with $250 in Rewards!)

Successfully growing your entrepreneurial motives into a side business (or more!) is challenging, taxing, rewarding, and extremely gratifying.

Who doesn’t want an empire of their own?

Want $250 to help you build your empire? Apply for a Chase InkSM Classic Business credit card today.

It’s also incredibly difficult.

You’ve got to juggle sending invoices to clients, processing orders, responding to questions, and actually completing the work your customers want. Oh, and if this is really a side business you still have a day job to manage as well. It’s hectic, often by the seat of your pants, and glorious. You’re the boss and you get to make all of the decisions.

However, there’s one problem with growing a side businesses: it is very easy to get so busy that you forget to do other important tasks like eating, laundry, taking a shower, and paying your bills.

One way that many people handle their bills is to set them up to be automatically paid every month. This is beneficial because it takes the thought out of having to open the envelope, pull out the bill, write the check… and so on. But when you automate your finances there is always the risk of an incorrect charge slipping by you (not as common) or worse yet missing out on deals or potential discounts from your suppliers (definitely more common). You instinctively delete the emails from the cable company offering you $10 off per month for 12 months if you renew today because you assume it is just marketing spam. You’re busy, you don’t have time to read marketing messages. Back to building your empire.
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Want $100 for Free? Get a Chase Freedom Visa or Mastercard

Who doesn’t like free cash?

Anyone?

Chase Freedom will give you $200 if you sign up for either a Chase Freedom® Visa or Chase Freedom® MasterCard.

The best part? Chase Freedom is one the best cash back credit cards available. You’re not signing up for a garbage credit card just to get some cash back. Let’s look at how it works and why this is a card that you should consider having even if they didn’t offer $200 in bonus cash.
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