Author / Kevin

Do What You Want

3 Effective Tips to Redeem Frequent Flyers Points

Did you know you can earn frequent flyer points by regularly flying with an airline?

Many people don’t fully understand the flyer points, which is why they end up wasting their earned points. Frequent flyer points or miles are offered by many top airlines around the globe to reward their loyal customers. The more you fly with them, the more points you will earn.

Aside from earning the flyer points, you also need to understand how to make the most of these valuable points. Instead of wasting them on free air tickets, here are some other amazing ways you can spend them!

1.     Upgrade Your Ticket

You can get free air tickets with your flyer points, but it won’t give you a good value. Instead, upgrade your ticket to enjoy a comfortable flying experience. You can purchase a ticket for Economy class and later upgrade it to a First class or a Business class ticket.

Major airlines partner with many domestic airlines. You can go for any of these domestic flights to get a Business class ticket at an extremely low price. Visit PointsBank to easily buy or upgrade an airline ticket.

Choose the most popular routes for this purpose. However, many other travellers with an even higher status may also be looking forward to upgrade their ticket. Unless you redeem your points early, it’ll be quite difficult for you to beat the competition.

2.     Go Shopping

You don’t necessarily need to spend your frequent flyer points on air tickets. You can also enjoy free shopping with these miles or points.

However, you can’t use these points in every shopping mall. First of all, go through the list of partner stores listed on the website of the airline. Whenever you visit any of these stores, you can redeem your points to buy the products that the loyalty program covers.

When you’re out on vacations, you may want to buy a few gifts for your family to surprise them. You can get big discounts on these items by redeeming the frequent flyer points. It’s best to redeem these points during holiday sales when special discounts are offered on many products.

3.     Share Your Points

Many airlines allow their customers to share their frequent flyer miles with other customers. So, you can gift these points to your friends or family members. You can give them a memorable present with flyer miles.

For instance, if any of your friends has recently got married, you can gift them with honeymoon tickets. Or you can surprise your grandparents by sending them airplane tickets so they can meet their family.

If you intend to take a tour during your vacations, get free tickets with frequent flyer miles for your close friend. This will make the trip memorable for you as well as your friend.

To be precise, there are many ways to redeem your frequent flyer points and choosing the best option can be a daunting task. However, the aforementioned tips can help you develop a strategy to use your earned points in the most efficient way.

Debt Management

Car Title Loans in Houston Are a Safe and Legal Lending Option

Car title loans have received a bad reputation. People say that these lenders are without conscious and make their money simply by charging exorbitant interest rates. Naturally, there are some bad lenders out there. The reality is, however, that car title loans have given people the help they need during some very difficult times. So long as you know what to look for, these loans can be very beneficial. And since they are now government regulated, there are far fewer risks as well.

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What Is a Car Title Loan?

A title loan is a unique construction. Technically, it is a secure loan, as you put up the title deed of your car as collateral. This title will remain with the lender until such time as the loan is paid off. However, in the meantime, you can continue to use your car. The amount of money you will be able to borrow depends on your vehicle. Generally speaking, you will not be able to borrow more than 50% of the value of your vehicle and most lenders will not issue more than $2,500. The money should be in your account the same day, or the next business day if you applied too later.

You do, however, have to understand that if you apply for car title loans in Houston, there is a chance that you will lose your vehicle. However, this will only happen if you do not meet the repayments on your loan. If there is a chance of that happening, you should not apply for a loan in the first place. It would then simply be better to sell your vehicle, as you would probably get more money cash in hand then as well.

Car-Title-Loans

More and more often, car title loans can be paid back over a period of time. At first, they were short term loans that would have to be paid back within 30 days, but this is now changing. Additionally, while the interest rates are high, they are now regulated on federal, state and local level. Strict laws are in place that lenders have to adhere to. As a result, you should no longer find yourself in a situation where you obtain a loan from a disreputable lender.

However, you should still take the time to review the different options that are out there. A quick search for title loans in Houston will reveal a great number of results and it is important that you find the one that is most suitable to you. Some of the things you may want to take into consideration in order to choose a lender include:

  • What percentage of your vehicle’s value are they willing to borrow you?
  • How do they determine the value of your car?
  • What is the interest rate?
  • What type of repayment options do they offer?
  • What happens if you can’t pay your loan back?

Car title loans are great solutions for people with an immediate financial need.

Money Management

Payday Advance Loans Online – A Great Loan Option for Those with Bad Credit

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Sometimes in life, you will need money fast. If you have bad credit, this can be a real problem. However, you don’t have to worry, as you should be able to get a payday loan online, without having to go through a credit check.

It’s Easy to Get a Payday Loan

There are only very few requirements to be able to receive a payday loan. These are:

  • You must be at least 18 years old.
  • You must hold a valid bank account.
  • You must a citizen of this country.
  • You must be employed or have proof or regular income.

What to Expect

You need to know how these types of loans work. Basically, when you apply for payday advance loans online, you will ask a lender to give you some money using your paycheck as collateral. The lender knows how much you earn and calculates how much of that is disposable income, against which they borrow you some money. There are limits to how much this can be, as you must be able to pay it back. However, there are no limits on how you can use the money.

When you apply for your loan, you will have to give the lender the details of your bank account into which your salary is paid. This is because your loan principle and interest will be taken straight out of your bank account on the agreed payment date. Usually, this is either the payday straight after the day you asked for your loan, or the one after that. Some companies do allow you to defer your loan for additional months, but you will then have to pay the interest every month.

How to Find a Payday Loan Online

There are many lenders available right now that offer payday loans. Indeed, if you were to check your spam inbox, you are likely to see several emails relating to this type of lending. This means that you do have to spend a little bit of time to find the one that is right for you. The APR and other fees for payday loans can vary greatly, ranging from 600% to 2,500% APR, and that truly makes a huge difference. Although you are facing a financial emergency, you need to take your time to find the lender that will cost you the least.

The good thing as that these loans will generally be paid out to you the very same day, so long as you are within business hours, although some banks will take electronic deposits outside of those hours as well. Hence, you should have the time needed to compare the market and find a lender that is reputable and will give you the highest amount at the lowest rate, without leaving you in financial dire straits the very next payday.

Always consider whether there are other options out there as well. Borrowing money is always expensive and if there is any way to avoid it, you should.

Book Reviews

Should I Buy This Book? Review: Money Made Simple

I’m going to start off by saying this is a pretty good book for those just starting out learning about personal finance. It’s basically a question and answer book.

It goes over basic questions from budgeting to estate planning and breaks it up into 9 different chapters.

At the beginning of each chapter it goes over basic questions but as the chapter progresses so do the questions that it answers.

It does a great job of going into those advanced questions and answering them with simplistic answers so that it’s easy to understand.

The Negative

It’s really only a negative now because it’s 6 years old and some of the laws for a couple of things have changed. So some things are outdated. but 99% of the book is timeless information.

The Positive

It’s in question and answer format so it’s pretty straight forward and easy stopping points.It does a great job of covering all of the topics thoroughly without getting boring.

Would I Buy This Book?

I probably wouldn’t. However, if you’re not that well versed in the internet or would like a one stop spot that has a lot of your financial questions answered, then this book is for you. I say that because if you looked on sites like yahoo answers, but if you don’t know what questions to ask this book can help you.

Buy It

Money Made Simple : Easy Answers To Tough Money Questions

P.S. Some of the links in this post I earn a little bit of money from so I can pay my bills. But I promise to never to intentionally lead you to a bad company and to never let the money affect my opinion.

Book Reviews

Should You Buy This Book? Review: The Five Lessons

TheFiveLessons I’m changing up the title to be more about you and less about me. I think that’s a little easier to write about.

This weeks book is The Five Lessons A Millionaire Taught Me About Life And Wealth.

I found it to be okay. It really doesn’t stand out from most books. That’s what I thought until I got to lesson 4. That’s where I really found this book to shine. In the beginning it talks about earning extra income and then it goes into 4 mindsets of the millionaire mind. This section really impacted me because I believe anyone that has trouble saving money can have a big change if they adopt these mindsets. I’ll give you the 4 mindsets but you really get the impact by reading about them.

The 4 mindsets are:

  1. Carefully consider each expenditure
  2. Believe that freedom and power are better than momentary pleasure
  3. Don’t equate spending with happiness
  4. Protect the nest egg

Should You Buy It?

This is a great book if you’re having trouble or you know someone who is having trouble getting finances under control. The most likely culprit is your mindset and this book will for sure help you or them with that. If this book just had the mindset section I would still recommend it. That part really makes the book and it’s truly worth the book price.

Buy It

The Five Lessons New

The Five Lessons Used