The Basics Bonus: 50,000 Points when you spend $3,000 in the first 3 months of opening it Annual Fee: $95, waived the first year Credit Needed: Good – Excellent Earning Points: 2x points per $1 spent on ALL purchases 10x Miles per $1 on Hotels Booked Using Hotels.com: A $100 hotel returns 1,000 points. (10% cash rebate) Annual Bonus: No Expiration of Points: No, as long as the account remains open Other Perks Free Global Entry or Pre TSA Check Voucher: A $100 value. Auto Rental Collision Damage Waiver: Insurance covering rental car accident or theft on cars rented via this card Lost Luggage Reimbursement: Up to $3,000 Travel Accident…
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Credit Card Series: Capital One Venture Card
By pure happenstance, this was the first credit card that I applied for to begin my illustrious “career” as a travel hacker and it is still the card that I recommend to anyone just starting out on their travel hacking plans. I truly got lucky picking this card first, but I’m hoping I’ll be able to actually explain why you too should pick this card first in the below review. So let’s look at the specs on this card. The Basics Bonus: 50,000 Points when you spend $3,000 in the first 3 months of opening it Annual Fee: $95, waived the first year Credit Needed: Good – Excellent Earning Points:…
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Partial FI: “Retire” in Half the Time
Financial independence or early retirement, just like paying off debt, can be a major mountain to climb, especially if you are just starting out. A mountain that once calculated, can seem very overwhelming or nearly impossible to overcome which can sometimes lead to a stop in momentum towards reaching these goals. This is true in all professions, but I know based on first hand experience it can be especially true in the healthcare world especially during times like these. It’s hard to see how you could grind this hard, day in and day out yet still have 10, 15, 20, 25, 30 years left until you reach financial independence/retirement. However,…
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Should I Pay Off My Mortgage or Invest?
This is a common debate amongst people on their way to retirement/financial independence and one that likely has multiple financial and psychological components. Meaning that there likely isn’t one cookie cutter answer to this question. So before making such a big decision, this question deserves some serious thought. This post will by no means be a post telling you what you should do in your own situation, but it will be informative about what the math says about this decision. Thus allowing you to create an equation for your own unique situation/circumstances so that you have all the information available before you make the best decision for you. To Pay…
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Filing For Unemployment as a Traveler
Thankfully, and I mean THANKFULLY, this has not yet become my reality but for many full time and traveling therapists, nurses, etc, this has become theirs. Personally, many of my friends, past colleagues, and fellow travelers have been asking questions about the process of applying for unemployment insurance as COVID-19 has proven that job security in healthcare isn’t as safe as we once thought. So, I figured diving in to answer as many of these questions as I could would be helpful. Plus, there is a strong chance that after my current contract is up at the end of May, I may be applying for unemployment as well since the…
