Posts by ymlulu
The Complete Guide to U.S. Credit Card Insurance and Benefits: Travel, Shopping, and Cardholder Perks
This guide explains common U.S. credit card insurance and benefits, including flight delay coverage, rental car insurance, purchase protection, cell phone protection, airport loung...
AMEX Delta: Six Co-Branded Cards Compared — Record-High 125,000 Bonus, Expires July 15!
The limited-time welcome bonuses on these six Delta co-branded cards are back, with offers as high as 125,000 bonus miles. Best of all is the Delta Gold, which appears to be a reco...
How to Manage a U.S. Credit Card After You Get It: Payments, Annual Fees, Product Changes, Card Closures, Long-Term Holds, and Managing Multiple Cards
My approach to card management is actually pretty simple now: when I first get a card, I make sure payments are handled properly; when the second-year annual fee comes up, I reasse...
Rakuten Deal: 100% Cash Back on Surfshark VPN
Right now, if you buy a Surfshark VPN subscription through Rakuten, you can get 100% cash back, making it effectively free. And if your Rakuten account is linked to Membership Rewa...
2026 U.S. Business Credit Card Basics: You Can Apply Without a Company! Sole Proprietor, EIN, and 5/24 Explained
Everything you need to know about business credit cards, including: an introduction, how to apply, credit reporting, risks, and recommended top business cards....
2026 U.S. Bank Credit Card Application Rules: Chase, AMEX, Citi, BofA, Capital One — Complete Roundup
Credit card application rules vary widely from one U.S. bank to another. Some banks mainly focus on recently opened accounts, some limit how quickly you can apply, and for some car...
Path to Financial Freedom: How to Choose Between U.S. Index Funds VOO, VTI, QQQ, VT, and SGOV?
Now that we have these accounts that can help us save on taxes while also allowing us to invest, and the money inside them keeps growing, how do we choose a suitable product that w...
HSBC Premier Existing Customer Offer: Up to $6,000 for Deposits + Opening a Securities Account; $50 for International Transfers
HSBC’s existing-customer deposit and Securities account offer is back! For HSBC Premier users through June 30, deposits can earn up to $5,000; open an investment account and transf...
Financial Freedom Roadmap: How Much Do You Need in the U.S. to Be Free?
If the U.S. financial freedom roadmap is about how an ordinary family should get started, then this article is about where the finish line probably is—and how different families ca...
Rakuten (formerly Ebates) Guide: Record-High $50 / 5,000-Point Bonus, Ends September 30
Sign up for a Rakuten account now, and if you spend $50 at another merchant through Rakuten, you can earn $50 cash back. This is one of the highest sign-up bonuses we’ve seen! If y...
Hilton Timeshare Offer: Stay 3 Nights from $200 + 150,000 Hilton Points
Hilton is currently running an excellent timeshare presentation offer: pay just $200 and get 3 nights plus 150,000 Hilton points. Many hotels are participating in this offer, so ta...