Connect with us

Resorts

You may be overpaying credit card annual fees as travel continues to remain low

Published

on

In the miles and points world, we often recommend readers about the best tips and tricks to maximize and improve their travel experiences. Readers love signing up for the best credit card offers. They help jump start travel plans by providing a large chunk of miles in the form of sign-up bonuses. However, hefty annual fees also accompany many of these tempting credit card offers.

Credit Card Annual Fees

Credit card annual fees often receive a lot of attention. The Chase Sapphire Reserve card generated a huge amount of buzz when it initially launched with a 100,000 points offer. We’ve seen steady increases in annual fees for card like the American Express Platinum Card, The American Express Gold Card as well as the business version of the Platinum Card.

While these increases in annual fees have come in along with an addition of benefits, are these cards still really worth it? How should we really be viewing annual fees?

An annual fee is an amount that gets charged once each year on your credit card statement. Think about this like a membership fee for a sports club or any professional association. Irrespective of how many benefits you derive your membership, you still have to pay that fee.

Most issuers charge the annual fee on the very first statement that closes after you sign up for the card.

Justifying the Annual Fee

Credit card reviews often talk about the benefits and how you can maximize the annual fee that you’re paying. This is largely true. However, many people make the mistake about thinking that benefits actually discount your annual fee. They don’t. These are essentially rebate programs.

For example, you pay the $250 annual fee on the American Express Gold Card. You use the $100 airline fee credit and the monthly dining credit totaling to $120 ($10 x 12). What this means is that you’ve redeemed $220 out of the $250 you spent on the annual fee.

Effective Annual Fees

Net annual fee or effective annual fee is a commonly used term to talk about how these rebate programs help reduce your travel costs. I think this term is both useful as well as misleading. Let me explain.

It’s correct to use this term in a scenario where I’m not drastically changing my behavior as a customer. Continuing with the example about the American Express Gold Card, the annual fee is justified if I’m using the airline fee credit benefit for an airline that I’d fly even if I didn’t have the card. Also, the dining credit would only be justified if I were already eating at the restaurants before I had the card. Card issuers make a lot of money via co-brand partnerships. These credits or rebates are designed to influence your behavior and make you switch from brand A to brand B.

It’s incorrect to use the term in a scenario where I’m going out of the way to earn back the money I’ve paid out in annual fees. For example, when I was residing outside the US, I found no sense to hold the American Express Platinum card as the airline fee credit benefit was worthless for non-US airlines.

The Pundit’s Mantra

Attain your travel goal by picking the correct card

Many issuers have made modifications to their products and offered temporary benefits in light of the Covid-19 pandemic and its effects on travel. However, does it still make sense to hold on to premium credit cards that charge hefty annual fees over $500, especially with no signs of normalcy returning to the world of travel any time soon?

All said and done, annual fees are an amount you owe to the bank no matter what. I always recommend aligning your travel goals smartly with the credit card that you want to sign up for.

It’s always prudent to look at the annual fee as an actual expense and then map out how the benefits stack up in comparison to the annual fee. No matter how the benefits, but if they’re making you go out of your way to change your consumer behavior drastically, then they may not be worth the effort.

What do you think about paying hefty annual fees and how they change your behavior or make you switch brands? Do you think they’re really worth it? Have you downgraded or canceled a premium credit card in the last 6 months? Tell us in the comments section.

___________________________________________________________________________________________________________________

The Points Pundit loves these newly relaunched Chase credit cards!

Firstly, they offer you a 0% APR for the first 15 months.

Secondly, they have no annual fee and have a lucrative welcome bonus of $200 or 20,000 Ultimate Rewards points after you spend $500 in the first 3 months.

Moreover, you can earn an additional 60,000 Ultimate Rewards points by simply using your card for spend in bonus categories!

They’re packed with brand new benefits and bonus points categories.

Overall, a great option to carry in your wallet for everyday spend!

Apply Now

(Chase’s 5/24 rule may apply to these cards)

___________________________________________________________________________________________________________________

Never miss out on the deals, analysis, news and travel industry trends. Like us on Facebook, follow us on Instagram and Twitter  and get the latest content!

___________________________________________________________________________________________________________________

Disclosure: The Points Pundit receives NO compensation from credit card affiliate partnerships. Support the blog by applying for a card through my personal referral links. This article is meant for information purposes only and doesn’t constitute personal finance, health or investment advice. Please consult a licensed professional for advice pertaining to your situation.

By: The Points Pundit
Title: You may be overpaying credit card annual fees as travel continues to remain low
Sourced From: travelupdate.com/credit-card-annual-fees-reduce-refund/
Published Date: Tue, 13 Oct 2020 12:30:06 +0000

Did you miss our previous article…
https://vistagaze.com/resorts/typhon-green-mythology-3/

Continue Reading
Click to comment

Leave a Reply

Your email address will not be published. Required fields are marked *

Resorts

Bond with Your Child over These Fun-Filled Activities in Atlanta

Published

on

By

If you are a family man, you know the struggles of finding something that the entire family will love – especially the little ones. Taking kids out on trips and tours can be a difficult task because not many kids enjoy what you like. Think of things that you enjoy like clubbing and fine dining which your child would certainly dread.

Not many people know that Atlanta is a city of fun for everyone. If you live in Atlanta, you most certainly can find something that your little one will enjoy and love to be a part of. This article will discuss some of the best things to explore in Atlanta with your little one.

Best Places in Atlanta to Visit with Your Kid

Let’s talk about some things in Atlanta that your kid will surely love to be a part of:

Zoo Atlanta

Zoo Atlanta is known to save wildlife animals and give them a better life. In the modern world where people don’t have time for one another, it is a great way to teach your children empathy and help them discover the wonders and beauty of nature.

The entire experience at the zoo comprises of conservation of animals, research on new/old species, and education of the animals present, and creating friendly yet engaging experiences with some of the animals. This entire trip will be fun, you can buy some snacks and show your kids a great way to bond with other creatures and species present in this world.

Six Flags over Georgia

Who doesn’t love a day trip to a theme park? And to talk about one of the largest theme parks in America, Six Flags over Georgia is house to more than 40 rides out of which 12 are roller coasters. This is not just it. Six Flags over Georgia is one of the most awesome things to do in Atlanta with kidsbecause of the adventure. Enjoy water pools, slippery water slides, and much more. They also transform the entire park into a haunted theme for the Halloween season and is decorated with a million lights for Christmas.

Hippo Hop Indoor Playground

An extremely fun place to enjoy for the whole family. The place comprises healthy food items, entertainment options, and fitness activities for the whole family. Their café comes with a whole range of food items from vegan to gluten-free and allergy-friendly. The place usually entertains children around the age of ten or less and provides them a great bonding experience with their parents while learning the value of a healthy lifestyle.

Georgia Aquarium

Marine life is in danger thanks to the industry and the way people are disposing of waste in the sea. Thankfully, Georgia Aquarium is doing something about the wonders of marine life. Teach your children the importance of sea animals, allow them to realize their beauty, and entertain them with the various tricks at the Aquarium.

This aquarium comprises more than 10 million gallons of water and houses more than 500 different species of sea life. Whether you want to stand behind the glass walls to observe the beauty or be a scuba diver for the day, make sure that you have the time of your life. Another major reason why this place is worth visiting is that it is a nonprofit organization that is solely committed to creating general awareness of sea creatures and motivating more people to do the same.

Children’s Museum of Atlanta

Atlanta holds an extremely rich historical and cultural background. The city is home to some of the best social leaders and it has also been the city from where the revolution against racism began. Atlantans should be proud of their cultural heritageand should introduce their children to it.

Fortunately, Children’s Museum Atlanta is the only institute where they introduce your child to the background of Atlanta and some other educational activities. The museum is known to teach children from the ages of 1 to 8 because all the programs and activities are designed as per their caliber.

Pettit Creek Farm

Curled up in the hills of Northern Georgia is the home of one of the largest herd of camels in the state of Georgia. There are many other farm animals apart from camels. The Pettit Creek Farm also houses other exotic animals like:

GiraffesZebrasCapybarasLlamasLemurs.

The farm is open to the public from January to August but you need to make a reservation. They also have a Halloween event in mid of September that lasts till August and a Thanksgiving/Christmas event till the 30th of December. These events are open to the public and anyone is welcome to join.

Chattahoochee Nature Center

A private, nonprofit organization also known to people as the Chattahoochee Nature Center lies on the Chattahoochee River in Roswell intending to connect back people with where they actually belong – nature. It comprises 127 acres of indigenous plantings highlighting the elegance of Georgia and the Chattahoochee wetlands.

The Discovery Center that only comprises of the Nature Exchange in the southeastern part offers exhibitions and real, native wildlife that cannot be released. There are 2.5 miles of trails for hiking and nature trails that host more than 50 different species of wildlife. Unique trips and festivals during the year involve fun days for kids and adults, canoeing, festivals, zip lines, and services for couples, teenagers, and adults.

Conclusion

Atlanta is one of the most historically rich and economically significant cities in America. There are a lot of things to do in Atlanta with kidswhereyou can take your child for a fun day with loads of information. While you are with them, it can also be a bonding experience for both of you and Atlanta certainly does not fall short in offering that. Find natural non-profit organizations that are helping animals to historical museums where they plan fun-filled yet educational activities for children of all ages. Just pack your snacks, check your car tires, and head out to have the best bonding experience with your child.

The post Bond with Your Child over These Fun-Filled Activities in Atlanta appeared first on Travel Experta – Family Travel Blog.


By: Shahbaz Ahmed
Title: Bond with Your Child over These Fun-Filled Activities in Atlanta
Sourced From: feedproxy.google.com/~r/TheTravelExperta/~3/d5KmaShqCYU/bond-with-your-child-over-these-fun-filled-activities-in-atlanta.html
Published Date: Wed, 28 Oct 2020 17:23:10 +0000

Did you miss our previous article…
https://vistagaze.com/resorts/how-to-receive-the-highest-possible-personal-injury-settlement-2/

Continue Reading

Resorts

How To Receive The Highest Possible Personal Injury Settlement

Published

on

By

Suffering a personal injury while on the job or through a traumatic car accident can be a difficult experience, and getting stuck with all the bureaucratic work needed to receive a fair settlement can be a truly hellish experience. Besides having to deal with the emotional weight of the occurrence itself while continuing to balance other concerns, such as your ability to work, pay hospital bills, or care for your family, you will need to make sense of seemingly nonsensical legalese, and keep your head together.

As anyone who has been through this can tell you, it is incredibly tiring, but there are ways to not only make it through unscathed but also receive the highest possible personal injury settlement you can. The following are a few points to help you.

4 Ways to Receive The Highest Possible Personal Injury Settlement

Prepare All Paperwork

The first thing to remember in putting together a personal injury lawsuit is to prepare all the evidence you have in order to establish a fault. A successful lawsuit will not be possible without legally establishing the fault of the second or third party, so you need to organize yourself, which may seem like a tall order in the aftermath of an accident. But, it will make all the difference in your case. Any jury will decide your case ultimately based on the evidence presented, so make sure to file a police report, get statements from any eyewitnesses, hold onto any bills, insurance claims, and other materials that show the fallout from the accident.

Go to the Doctor

Maybe you didn’t get hurt severely in the accident, and you’re not sure if you have medical claims to file as part of your case. In actuality, if you’ve suffered a personal injury of any kind and it seems that the damage happened more to your car or home, you should still go to the doctor or hospital immediately. For one, you cannot diagnose yourself properly, and only a medical professional will be able to tell you definitely if you are ok or not. You will need the report from your doctor documenting any conditions to include as part of your case for the jury and judge to review and come to a fair monetary settlement for you.

Remember, delays in the treatment can lead to strong legal arguments made against you by the second party, or even by insurance companies hesitant to pay for your treatment. They can easily say that you weren’t badly injured, nor did you suffer substantial damage as a result. Insurance companies will always look for a reason to deny a claim, so avoid the mistake of white knuckling it and thinking that you will be fine. Or, taking too much time to go to the doctor or checking yourself into the emergency clinic. One of the tricks essential to receiving a fair settlement in your case is acting fast on all these fronts.

Hire a Lawyer

An attorney experienced with the realm of personal injury lawsuits should be called in to help you through this process. While you can take the time to prepare the evidence yourself, things will become complicated fast with the trial and the subsequent issues with the insurance companies, and any small misstep on your part can throw the validity of your entire case into question. Don’t underestimate the level of determination that the insurance companies, and the second party – whether it is another driver or your employer – want to get out of paying you a fair settlement.

How To Receive The Highest Possible Personal Injury Settlement

For example, seemingly small or inconsequential decisions such as deciding to skip out on a round of treatment with your doctor can be absolutely the death knell in your case. If you have a lawyer, you will just tell him or her that you had a scheduling conflict, and they will be sure to take care of the paperwork on your behalf so that the courts know that it was out of your hands.

Try to Continue Working

One of the things you want to make clear to a jury is that despite your injuries, you are doing your best to continue working. This is shown as proof of the fact that while the injury has incapacitated you for some time, you were unable to stop working for fear of not being able to keep up with different familial commitments. The juries in these cases are usually sympathetic and will want to offer a higher settlement so that you can have a chance to take care of your health while meeting your financial obligations.

Getting hurt or having your sole mode of transportation, such as your car, trashed, is a terrible feeling and can result in many missed bills piling on your desk, creating considerable anxiety in your life. Receiving a fair settlement that will help you make ends meet can be a challenge, but if you’re careful enough, you will be able to meet your obligations head on.

The post How To Receive The Highest Possible Personal Injury Settlement appeared first on Travel Experta – Family Travel Blog.


By: Marina Villatoro
Title: How To Receive The Highest Possible Personal Injury Settlement
Sourced From: feedproxy.google.com/~r/TheTravelExperta/~3/HaqG3lnlAKY/how-to-receive-the-highest-possible-personal-injury-settlement.html
Published Date: Fri, 23 Oct 2020 14:27:11 +0000

Did you miss our previous article…
https://vistagaze.com/resorts/4-top-stargazing-places-to-visit-in-2020/

Continue Reading

Resorts

4 Top Stargazing Places to Visit in 2020

Published

on

By

Dark skies, bright stars are every stargazer’s main attraction spots. All around the world, people travel to experience the best spot the world has to offer. To most city dwellers, their experience with stargazing is bumping into the latest celebrity at the mall or grocery store checkout line thanks to air pollution and the city lights.

But there is nothing as magical as looking up into the dark skies dotted with constellations, planets, and shooting stars. The International Dark-Sky Association (IDA) recognizes over 130 spots that preserve the most star-filled skies. UNESCO recognizes several starlight reserves on its Astronomical Heritage sites list. These spectacular spots offer stargazers an opportunity to reconnect with the planet and learn more about the universe.

We believe you deserve to know the top spots that will give you the most magical experience, yet.  Here are 4 top places to visit in 2020 for stargazing.

The Best Stargazing Places to Visit

Natural Bridges National Monument, Utah

Located in the remote Lake Powell of Utah, Natural Bridges was the first to be certified by the IDA as the international dark sky park. The IDA is the leading organization in combating light pollution, it is a big deal. The designation recognizes areas with some of the darkest and clearest skies in the world. It acknowledged darkness as a resource worthy of conservation and protection and appreciates the efforts extended to achieve this. The main attraction of the dark skies of Natural Bridges is a phenomenon that rises over the natural rock formation of Owachomo Bridge creating one of the most spectacular Milky Way you have ever seen. The bridge forms some sort of a window to the sky by beautifully framing thousands of stars, all of which are visible with the naked eye.

Plan to camp here overnight to have the full experience. Night photographers do get some of the most marvelous shots at the Natural Bridges National Monument, but always remember artificial sources of light for photography are prohibited.

Mauna Kea, Hawaii, United States

Located about 2,500 miles Southwest of California, Hawaii has evolved to be one of the leading astronomy destinations. The high volcanic peaks offer some of the most spectacular sceneries around the world.

4 Top Stargazing Places to Visit in 2020

Mauna Kea Summit is perhaps the most popular stargazing spots in Hawaii.

13,803 feet above the town of Hilo and close to Mauna Kea is the Mauna Kea Observatory, the largest of its kind in the world. It is a major astronomy hub.

What’s more, is that it is one of the few places on earth you can drive nearly 14,000 above sea level. Just make sure you check-in at the Visitors Station to acclimatize. You don’t want to experience altitude sickness. Still, the journey is magical with starry rewards. Make sure to bring the best telescopes as from this spot you get to see the celestial wonders of the Northern Hemisphere from bands of Jupiter to the constellations of Orion. Also because Mauna Kea is close to the equator, the stars of the Southern Hemisphere are visible, too. This means that over 80% of the earth’s stars can be seen from Mauna Kea.

Photographers have been known to capture the rare lunar rainbow from Mauna Kea. Lunar rainbows are essentially lit by the moon and not the sun, and occur under precise conditions.

Pic du Midi, France

Located in the Pyrénées Mountains of France, Pic Ddu Midi is good enough of a spot for NASA to take photos of the moon surface in preparation for their missions; it’s good enough for you.

A cable car from the La Mongie will get you to the summit, where an observatory is perched right above the clouds.

Also, the reserve is a UNESCO World Heritage Site as well as a major French national park. Plan to book an overnight stay to experience an unforgettable night under the stars.

Los Angeles, California

It is primarily known for another kind of star, the Hollywood star, and smog that is ever-present. To many, Lost Angeles does not come off as an ideal place to go stargazing. But those that have visited the iconic Griffith Observatory will tell you otherwise. Perched atop Mount Hollywood, it is one of the most astronomically intriguing places to visit. Depending on the time of the year, from Griffith Observatory you can observe assorted double stars, nebulae, Jupiter, and Venus. And with powerful telescopes, the incredibly detailed view of the Moon’s craggy surface can be visible.

The stars are accessible from most places and to everyone but some locations can get you the most from a night sky. Add these spots to your bucket list and start ticking. Once you do, you’ll be treated to an amazing view few people will even get to see.

The post 4 Top Stargazing Places to Visit in 2020 appeared first on Travel Experta – Family Travel Blog.


By: Marina Villatoro
Title: 4 Top Stargazing Places to Visit in 2020
Sourced From: feedproxy.google.com/~r/TheTravelExperta/~3/uLPw0ytsHf8/4-top-stargazing-places-visit-2020.html
Published Date: Mon, 26 Oct 2020 15:30:03 +0000

Continue Reading

Tags

Trending