Personal Finance — صفحه 5 از 12 — ✅ خرید وی پی ان ❇ ip ثایت vPn آی پی اختصاصی ◐

آگوست 9, 2022

How to Access Capital One’s Newest Airport Lounges

Dallas/Fort Worth International Airport, Terminal D near Gate D22; Open daily from 6 a.m. – 9 p.m.
Denver International Airport, Concourse A on the Mezzanine Level (opening in 2023)
Dulles International Airport, in the Main Terminal directly after TSA PreCheck (opening in 2023)

The Dallas lounge provides amenities like complimentary premium food and beverages (including alcohol), access to shower suites, a yoga room, relaxation rooms with nap pods and even Peloton bikes. The new Capital One lounges are expected to have similar features.How to access Capital One LoungesThere are a few ways to access Capital One Lounges, and you don’t necessarily need to be a Capital One cardholder to get in.Note that all visitors must present a boarding pass for a same-day departing or connecting flight, meaning you can’t access the lounge upon arrival at your final destination. Additionally, lounge access is based on availability — you’re not allowed to make reservations in advance. All children ages two and under get in free with an adult.Free or discounted accessTravelers with the Capital One Venture X Rewards Credit Card, as well as their authorized users and account managers, receive unlimited access and two complimentary guest entries per visit, while additional guests will run you $45 each.Capital One Venture Rewards Credit Card and Capital One Spark Miles cardholders get two free visits per year, which can also be used by their authorized users, account managers or any guests who are traveling with the cardholder. For more visits, you’ll have to pay $45 each.Paid accessAnyone else with a boarding pass for a same-day departing or connecting flight can still visit Capital One Lounges regardless of which credit card they have. However, they will have to pay a steep $65 entry fee per person per visit.Best Capital One credit cards with lounge accessBottom lineCapital One has made concerted efforts to connect with its cardholders and the general public, whether through its new Capital One Lounges or range of Capital One Cafés, which offer more opportunities to maximize the value of your card on a regular basis.Before applying for a new credit card, be sure to calculate how often you’ll be able to use its associated benefits so you can see if the annual fee is worth paying. It’s also a good idea to check your credit score since most Capital One credit cards require it to be good to excellent to apply.Catch up on Select’s in-depth coverage of personal finance, tech and tools, wellness and more, and follow us on Facebook, Instagram and Twitter to stay up to date.Information about the Capital One Venture X, Capital One Venture, Capital One Spark 2X Miles and Capital One Spark 1.5X Miles Select has been collected independently by Select and has not been reviewed or provided by the issuer of the card prior to publication.Editorial Note: Opinions, analyses, reviews or recommendations expressed in this article are those of the Select editorial staff’s alone, and have not been reviewed, approved or otherwise endorsed by any third party. .

جولای 29, 2022

7 Credit Cards With Airport Lounge and Expedited Security Access

Select’s editorial team works independently to review financial products and write articles we think our readers will find useful. We earn a commission from affiliate partners on many offers, but not all offers on Select are from affiliate partners.Terms apply to American Express benefits and offers. Visit americanexpress.com to learn more.It’s been a rough year for domestic and international travelers. Marred by issues related to understaffing, many airlines have found themselves in a precarious position — in this case, not having enough planes and crew members to accommodate so many travelers — leading to lots and lots of flights cancellations.So far this year, 88,161 flights have been canceled. For reference, according to the Bureau of Transportation Statistics, from 2013 to 2021 — with the exception of 2020 — the number of flight cancellations never exceeded 80,000. At this rate, that number could end up reaching the record 263,941 number of flights that were canceled in 2020 as a result of the Covid-19 pandemic.Needless to say, it’s been a very stressful time for those who have had to fly. And as demand for travel remains strong, it’s predicted that this will be a long-standing issue.Thankfully, there are a few ways to make your next trip to the airport a little bit easier, especially if you happen to have the right credit card.Whether you’re a frequent flyer or you simply want to make your upcoming flight less of a headache, these six credit cards are worth considering, as they each include complimentary lounge access and statement credits toward expedited airport security to make your next travel experience less stressful.Subscribe to the Select Newsletter!Our best selections in your inbox. Shopping recommendations that help upgrade your life, delivered weekly. Sign-up here.Best credit cards for lounge access and expedited securityStatement credits for expedited airport securityBefore you hit the airport lounge, you’ll need to get through a potentially long security line. While wait times are completely out of your control, there are a few expedited security clearance programs you can enroll in to hopefully shorten your time in line.

TSA PreCheck®: Issued by the Transportation Security Administration, this is the cheapest option if you want to get through security lines at U.S. airports faster. $85 gets you five years of membership.
Global Entry: Issued by U.S. Customs and Border Protection, I find Global Entry to be the most sensible option for most travelers, especially as it comes with all the same TSA PreCheck benefits built in. With Global Entry, you can also clear customs much quicker when arriving back to the U.S.. It costs $100 for five years of membership.
CLEAR: As its own standalone product, CLEAR provides a quicker clearance through security thanks to technology. By simply scanning your boarding pass and either using your eyes or fingerprints as your method of personal identification, you will be escorted to the front of the general security line, or to the front of the TSA PreCheck line if you’re also enrolled in the program. CLEAR membership costs $189 per year.

With each of the credit cards mentioned below, you can enroll in one or more of these expedited security programs, then receive statement credits to cover your membership with either TSA PreCheck®, Global Entry, CLEAR or a combination of them, depending on the card.Using credit cards to score airport lounge accessAirport lounges aren’t only for travelers who fly in business or first class. There are many travel rewards credit cards offering airport lounge access just for being a cardmember.Lounges provide a number of benefits to travelers, and they’re especially worthwhile for those who hope to avoid large crowds in the airport terminal while waiting to board their flight. Many lounges also offer complimentary food and beverages to their guests, so visiting one is an easy way to save money instead of having to purchase expensive airport food. Some even offer unique amenities like cycling rooms, showers and complimentary massages.Another good thing is nearly all major airports have at least one lounge, if not more. Throughout my own travels, I’ve found airport lounges to be an excellent way to escape noisy and crowded airport terminals.Without further ado, here’s a look at six credit cards that include airport lounge access as well as statement credits toward membership with the aforementioned expedited security programs.The Platinum Card® from American ExpressThe Platinum Card® from American ExpressOn the American Express secure site

RewardsEarn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year, 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel, 1X points on all other eligible purchases
Welcome bonusEarn 100,000 Membership Rewards® points after spending $6,000 within 6 months of card membership. Apply and select your preferred metal Card design: classic Platinum Card®, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu.
Annual fee
Intro APR
Regular APR
Balance transfer fee
Foreign transaction fee
Credit Needed

With The Platinum Card® from American Express, cardmembers and two guests can enjoy access to more than 1,300 Priority Pass lounges across 148 countries, as well as American Express Centurion℠ lounges in the U.S. and abroad, Delta Sky Club® lounges, Escape Lounges, Plaza Premium Lounges and Air Space lounges. It’s worth noting that in order to enter a Delta Sky Club® lounge, you must be flying with Delta or one of its airline partners. For more information, visit the American Express Global Lounge Collection℠ website.As for expedited security, cardholders can receive up to $189 each year in statement credits by using The Platinum Card from American Express to pay for their CLEAR annual membership, as well as an up to $100 fee credit for Global Entry or TSAPreCheck. The card also comes with an up to $200 annual airline fee credit that you can use toward incidentals like checked baggage fees, seat selection fees, change fees and more.Delta SkyMiles® Reserve American Express CardDelta SkyMiles® Reserve American Express CardOn the American Express secure site

RewardsEarn 3X Miles on Delta purchases and 1X Mile on all other eligible purchases.
Welcome bonusEarn 100,000 bonus miles after you spend $5,000 in purchases on your new card in your first 3 months. Offer ends 8/3/2022.
Annual fee
Intro APR
Regular APR
Balance transfer fee
Foreign transaction fees
Credit needed

The Delta SkyMiles® Reserve American Express Card is a solid choice for those seeking lounge access, especially if you fly with Delta Airlines regularly. You’ll receive access to American Express Centurion℠ lounges when you book Delta flights with your Reserve card, as well as entry to Delta Sky Club® lounges and two one-time guest passes each year if you’re traveling with friends or family members.The card also provides a statement credit of up to $100 every four years to cover Global Entry enrollment or a credit of up to $85 every 4.5 years for those wishing to enroll in TSA PreCheck®. Note that if you’re approved for Global Entry, you’ll receive instant access to TSA PreCheck® perks.Other air travel-related perks include a first checked bag free, priority boarding and complimentary seat upgrades when you fly Delta.Capital One Venture X Rewards Credit CardThe Capital One Venture X Rewards Credit Card is another great card option for travelers looking to escape the airport terminal. When you have the card, you’ll have access to Capital One Lounges — one location in Dallas (DFW) is currently open, while two more are expected to open later this year in Denver (DEN) and Washington, D.C. (IAD)— as well as the extensive network of Priority Pass and Plaza Premium lounges worldwide. When visiting any of those lounges, you’ll also receive two complimentary guest passes per visit (extra guests at Capital One Lounges will cost $45 each).The card also provides a statement credit of up to $100 every four years when you use it to pay for your Global Entry or TSA PreCheck® membership.Capital One Ventures Rewards Credit CardThe Capital One Venture Rewards Credit Card allows two complimentary lounge visits each year, either to Capital One Lounges or more than 100 additional lounges via its Plaza Premium Lounge and Priority Pass partners, making it a great option for those who aren’t exactly frequent flyers.Cardmembers can also receive a statement credit of up to $100 every four years by using the card to enroll in Global Entry or TSA PreCheck®.United Club℠ Infinite CardUnited Club℠ Infinite Card

Rewards4 miles per $1 spent on United® purchases, 2 miles per $1 spent on all other travel and dining (including eligible delivery services) and 1 mile per $1 spent on all other purchases
Welcome bonusEarn 100,000 bonus miles after you spend $5,000 on purchases in the first 3 months from account opening
Annual fee
Intro APR
Regular APR
Balance transfer fee
Foreign transaction fees
Credit needed

Those who fly with United Airlines will enjoy complimentary United Club membership, worth a value of $650 per year, as a perk of having the United Club℠ Infinite Card. This gives you and up to two guests access to United Club and affiliated Star Alliance lounges worldwide when traveling with the airline or one of its partners. or a partner airline.The card also provides a statement credit of up to $100 every four years to cover your membership with Global Entry, TSA PreCheck® or NEXUS, an expedited security program for those traveling between the U.S. and Canada.Other perks include complimentary first and second checked bags when you fly with United, 25% back on in-flight purchases and priority check-in, boarding and baggage handling.Chase Sapphire Reserve®Chase Sapphire Reserve®

RewardsEarn 5X total points on air travel and 10X total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® immediately after the first $300 is spent on travel purchases annually. Earn 3X points on other travel and dining & 1 point per $1 spent on all other purchases plus, 10X points on Lyft rides through March 2025
Welcome bonusEarn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening
Annual fee
Intro APR
Regular APR
Balance transfer fee
Foreign transaction fee
Credit needed

Chase Sapphire Reserve® cardholders will have access to more than 1,300 airport lounges across 148 countries once they enroll for free through Priority Pass. You can bring up to two guests for free.The Chase Sapphire Reserve also provides a statement credit of up to $100 every four years to reimburse you for your Global Entry or TSA PreCheck® enrollment fee.Citi® / AAdvantage® Executive World Elite MastercardCiti® / AAdvantage® Executive World Elite Mastercard®Information about the Citi® / AAdvantage® Executive World Elite Mastercard® has been collected independently by Select and has not been reviewed or provided by the issuer of the card prior to publication.

Rewards2 AAdvantage® miles for every $1 on eligible American Airlines purchases. 1 AAdvantage® mile per $1 spent on other purchases. 1 Loyalty Point for every 1 eligible AAdvantage® mile earned from purchases.
Welcome bonusEarn 50,000 bonus miles after you spend $5,000 in purchases within the first 3 months of account opening
Annual fee
Intro APR
Regular APR
Balance transfer fee
Foreign transaction fees
Credit needed

The Citi / AAdvantage Executive World Elite Mastercard is ideal for American Airlines flyers as it comes with a full Admirals Club membership, worth a value of $650 per year. You’re allowed to bring up to two guests for free but you can add up to ten authorized users to the card for free and they each get their own memberships as well.The card also provides a statement credit of up to $100 every five years to cover your membership with Global Entry or TSA PreCheck®.When flying American Airlines, you’ll also enjoy a first checked bag free, priority check-in, early boarding and 25% savings on inflight food and beverage purchases.Bottom lineAmericans are eager to get back on the road after the pandemic-related restrictions, but it’s not coming without several issues. However, with one of these cards listed above, you can not only earn a solid welcome bonus to earn rewards for traveling — but also avoid the pains of long security lines and noisy airports with the benefits of each card above.Catch up on Select’s in-depth coverage of personal finance, tech and tools, wellness and more, and follow us on Facebook, Instagram and Twitter to stay up to date.For rates and fees of The Platinum Card® from American Express, click here.For rates and fees of the Delta SkyMiles® Reserve American Express Card, click here.Information about the Capital One Venture Rewards Credit Card, Capital One Venture X Rewards Credit Card has been collected independently by Select and has not been reviewed or provided by the issuer of the card prior to publication.Editorial Note: Opinions, analyses, reviews or recommendations expressed in this article are those of the Select editorial staff’s alone, and have not been reviewed, approved or otherwise endorsed by any third party. .

جولای 16, 2022

Strategies can help you avoid paying extra for Medicare premiums

Morsa Images | DigitalVision | Getty ImagesFor some retirees, there’s an extra cost associated with Medicare premiums that can ambush their household budgets.Most Medicare enrollees pay the standard premium amounts for Part B (outpatient care) and Part D (prescription drugs). Yet an estimated 7% of Medicare’s 64.3 million beneficiaries end up paying extra because their income is high enough for income-related monthly adjustment amounts, or IRMAAs, to kick in, according to the Centers for Medicare & Medicaid Services.Whether you have to pay the surcharge is based on your modified adjusted gross income as defined by the Medicare program: your adjusted gross income plus tax-exempt interest income. For 2022, IRMAAs kick in when that amount is more than $91,000 for individuals or $182,000 for married couples filing joint tax returns. The higher your income, the larger the surcharge is.”You only have to go $1 over that [lowest] breakpoint and you’re subject to IRMAAs,” said certified financial planner Barbara O’Neill, owner and CEO of Money Talk, a financial education company. “If you’re close to that or close to going to a higher tier, you’ve really got to be proactive,” O’Neill said.In other words, there are some strategies and planning techniques that can help you avoid or minimize those IRMAAs. Here are four to consider:1. Focus on what you can control2. Consider converting to Roth IRA accountsOne way to keep your taxable income down is to avoid having all of your nest egg in retirement accounts whose distributions are taxed as ordinary income, such as a traditional IRA or 401(k). So whether you’ve signed up for Medicare yet or not, it may be worth converting taxable assets to a Roth IRA.Roth contributions are taxed upfront, but qualified withdrawals are tax-free. This means that while you would pay taxes now on the amount converted, the Roth account would provide tax-free income down the road — as long as you are at least age 59½ and the account has been open for more than five years, or you meet an exclusion.”You pay a little more now to avoid higher tax brackets or IRMAA brackets later on,” Meinhart said.It also helps that Roth IRAs do not have required minimum distributions, or RMDs, in the owner’s lifetime. RMDs are amounts that must be withdrawn from traditional IRAs as well as both traditional and Roth 401(k)s once you reach age 72.When RMDs from traditional accounts kick in, your taxable income could be pushed up enough that you become subject to IRMAAs, or to a higher amount if you already were paying the surcharge.”A lot of people get into trouble by taking no money out of their 401(k) or IRA, and then they have their first RMD and it puts them in one of those IRMAA brackets,” Meinhart said.3. Keep an eye on capital gainsIf you have assets that could generate a taxable profit when sold — i.e., investments in a brokerage account — it may be worth evaluating how well you can manage those capital gains. While you may be able to time the sale of, say, an appreciated stock to control when and how you would be taxed, some mutual funds have a way of surprising investors at the end of the year with capital gains and dividends, both of which feed into the IRMAA calculation. “With mutual funds, you don’t have a whole lot of control because they have to pass the gains on to you,” said O’Neill, of Money Talk. “The problem is you don’t know how big those distributions are going to be until very late in the tax year.”Depending on the specifics of your situation, it may be worth considering holding exchange-traded funds instead of mutual funds in your brokerage account due to their tax efficiency, experts say.For investments whose sale you can time, it’s also important to remember the benefits of tax-loss harvesting as a way to minimize your taxable income.That is, if you end up selling assets at a loss, you can use those losses to offset or reduce any gains you realized. Generally speaking, if the losses exceed the profit, you can use up to $3,000 per year against your regular income and carry forward the unused amount to future tax years.4. Tap your philanthropic sideIf you’re at least age 70½, a qualified charitable contribution, or QCD, is another way to keep your taxable income down. The contribution goes directly from your IRA to a qualified charity and is excluded from your income.”It’s one of the few ways you can really get money out of an IRA completely tax free,” Meinhart said. “And when you’re 72, that charitable distribution can help offset your required minimum distributions.”The maximum you can transfer is $100,000 annually; if you’re married, each spouse can transfer $100,000. .

جولای 11, 2022

Know all about paying rent using your credit card

A few years ago, nobody would have imagined that people would someday be able to pay their monthly rents with credit cards. But, it was bound to happen soon. RedGirraffe was the first to allow its customers to use this facility. Benefit to users Premium credit cards like HDFC Infinia/ Diners Club Black or Standard Chartered Utimate offer 3.3% return (cashback, reward points or airmiles) on almost all spends. Even after considering the 0.46% charge, users get 2.8% return on a big-ticket transaction like rent. This helped users achieve milestone- and spend-based rewards offered by credit card firms. These additional rewards further pushed up the overall return from rent payments. Users also got automated rent receipts and digital proof of rent payments, besides interest-free credit period of up to 45 days. Also, rent payments helped customers increase their overall credit card spend, whereupon they became eligible for annual fees waiver, credit limit enhancement and card feature upgrades. View Full ImageMint Entry of other players Looking at the success of RedGirraffe and Nobroker, real estate brokerage companies like Housing, Magicbricks and fintech platforms like Paytm, Cred, and Phonepe, also entered this new space. Each had their own benefits and disadvantages. RedGirraffe had the lowest convenience fees of 0.46% but its user interface was not good. Nobroker had the greatest number of partnerships with banks, while Cred allowed payment to a landlord through UPI. Paytm and PhonePe relied on their wide customer reach. The increase in competition opened new avenues like payment of education fees, brokerage, security deposits, maintenance and office rent, but it also led to less background checking and scrutiny. Credit rotation and implications To capture more market share, many platforms either made the rent agreement optional or didn’t even ask for it. So, users could now enter bank details or UPI ID of either friends or family members and claim it as rent. Later, these users could ask the same person to transfer the amount back to their bank accounts. The net impact of these transactions was pure credit rotation which only helped users to create manufactured spending and enjoy the rewards mentioned earlier. While one might feel that everything is fine, one should not ignore the consequences of such transactions. Rent received by a friend or family member will be treated as income from rented property and added under the head of income from house property after 30% standard deduction. Depending on the slab rates, a tax of up to 30% + surcharge + cess can be levied. Even the payer, i.e. the credit card user, is required to deduct tax u/s 194-IB at the rate of 5% if the rent is more than ₹50,000 in any month. In case of no deduction/deposit of tax to government, the payer will become an assessee-in-default and has to pay interest and penalty accordingly. Further, a case of fraud and misrepresentation can be also be filed against the user. Steps taken by banks Credit card issuers have been following these developments and when the volume of such transactions went up, many started restricting the spends as well as reward points on rent payments. RBL Bank allowed only one rent payment in a month, with a maximum cap of 50% of the credit limit for its Shoprite card. Axis Bank stopped the reward points for rent payment on its ACE card and put a cap on its super premium cards. In June, HDFC Bank capped all management services, including rent, to 500-2,000 reward points per month. Rent payment through credit card can help earn rewards but using it as a method for credit rotation comes with its own risks. Its charm is slowly fading away as many banks have capped the reward points on rent payments and restricted the use of credit limit for such purpose and this list of banks will continue to grow. Kashif Ansari is an assistant professor at Hansraj College, University of Delhi. He can be found on twitter @2jhg

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جولای 1, 2022

Bundled products are convenient, but may fall short of their promise

The Securities and Exchange Board of India (Sebi) recently directed mutual funds to stop offering bundled products. In future, even if you sign up for a long-term systematic investment plan, you will not be offered free life insurance. The financial landscape, however, is full of bundled products. Customers should study their fine print before deciding to rely on them.

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First Published: Fri, July 01 2022. 20:44 IST !function(f,b,e,v,n,t,s){if(f.fbq)return;n=f.fbq=function(){n.callMethod?n.callMethod.apply(n,arguments):n.queue.push(arguments)};if(!f._fbq)f._fbq=n;n.push=n;n.loaded=!0;n.version=’2.0′;n.queue=[];t=b.createElement(e);t.async=!0;t.src=v;s=b.getElementsByTagName(e)[0];s.parentNode.insertBefore(t,s)}(window,document,’script’,’https://connect.facebook.net/en_US/fbevents.js’);fbq(‘init’,’550264998751686′);fbq(‘track’,’PageView’); .