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December 2, 2014

Jonathan Tobin: Defending the Right to a Jewish State

Heather Hale: Compliment your kids without giving them big heads

Megan Shauri: 10 ways you are ruining your own happiness

Carolyn Bigda: 8 Best Dividend Stocks for 2015

Kiplinger's Personal Finance editors: 7 Things You Didn't Know About Paying Off Student Loans

Samantha Olson: The Crucial Mistake 55% Of Parents Are Making At Their Baby's Bedtime

Densie Well, Ph.D., R.D. Open your eyes to yellow vegetables

The Kosher Gourmet by Megan Gordon With its colorful cache of purples and oranges and reds, COLLARD GREEN SLAW is a marvelous mood booster --- not to mention just downright delish
April 18, 2014

Rabbi Yonason Goldson: Clarifying one of the greatest philosophical conundrums in theology

Caroline B. Glick: The disappearance of US will

Megan Wallgren: 10 things I've learned from my teenagers

Lizette Borreli: Green Tea Boosts Brain Power, May Help Treat Dementia

John Ericson: Trying hard to be 'positive' but never succeeding? Blame Your Brain

The Kosher Gourmet by Julie Rothman Almondy, flourless torta del re (Italian king's cake), has royal roots, is simple to make, . . . but devour it because it's simply delicious

April 14, 2014

Rabbi Dr Naftali Brawer: Passover frees us from the tyranny of time

Greg Crosby: Passing Over Religion

Eric Schulzke: First degree: How America really recovered from a murder epidemic

Georgia Lee: When love is not enough: Teaching your kids about the realities of adult relationships

Cameron Huddleston: Freebies for Your Lawn and Garden

Gordon Pape: How you can tell if your financial adviser is setting you up for potential ruin

Dana Dovey: Up to 500,000 people die each year from hepatitis C-related liver disease. New Treatment Has Over 90% Success Rate

Justin Caba: Eating Watermelon Can Help Control High Blood Pressure

The Kosher Gourmet by Joshua E. London and Lou Marmon Don't dare pass over these Pesach picks for Manischewitz!

April 11, 2014

Rabbi Hillel Goldberg: Silence is much more than golden

Caroline B. Glick: Forgetting freedom at Passover

Susan Swann: How to value a child for who he is, not just what he does

Cameron Huddleston: 7 Financial Tasks You Should Tackle Right Now

Sandra Block and Lisa Gerstner: How to Profit From Your Passion

Susan Scutti: A Simple Blood Test Might Soon Diagnose Cancer

Chris Weller: Have A Slow Metabolism? Let Science Speed It Up For You

The Kosher Gourmet by Diane Rossen Worthington Whitefish Terrine: A French take on gefilte fish

April 9, 2014

Jonathan Tobin: Why Did Kerry Lie About Israeli Blame?

Samuel G. Freedman: A resolution 70 years later for a father's unsettling legacy of ashes from Dachau

Jessica Ivins: A resolution 70 years later for a father's unsettling legacy of ashes from Dachau

Kim Giles: Asking for help is not weakness

Kathy Kristof and Barbara Hoch Marcus: 7 Great Growth Israeli Stocks

Matthew Mientka: How Beans, Peas, And Chickpeas Cleanse Bad Cholesterol and Lowers Risk of Heart Disease

Sabrina Bachai: 5 At-Home Treatments For Headaches

The Kosher Gourmet by Daniel Neman Have yourself a matzo ball: The secrets bubby never told you and recipes she could have never imagined

April 8, 2014

Lori Nawyn: At Your Wit's End and Back: Finding Peace

Susan B. Garland and Rachel L. Sheedy: Strategies Married Couples Can Use to Boost Benefits

David Muhlbaum: Smart Tax Deductions Non-Itemizers Can Claim

Jill Weisenberger, M.S., R.D.N., C.D.E : Before You Lose Your Mental Edge

Dana Dovey: Coffee Drinkers Rejoice! Your Cup Of Joe Can Prevent Death From Liver Disease

Chris Weller: Electric 'Thinking Cap' Puts Your Brain Power Into High Gear

The Kosher Gourmet by Marlene Parrish A gift of hazelnuts keeps giving --- for a variety of nutty recipes: Entree, side, soup, dessert

April 4, 2014

Rabbi David Gutterman: The Word for Nothing Means Everything

Charles Krauthammer: Kerry's folly, Chapter 3

Amy Peterson: A life of love: How to build lasting relationships with your children

John Ericson: Older Women: Save Your Heart, Prevent Stroke Don't Drink Diet

John Ericson: Why 50 million Americans will still have spring allergies after taking meds

Cameron Huddleston: Best and Worst Buys of April 2014

Stacy Rapacon: Great Mutual Funds for Young Investors

Sarah Boesveld: Teacher keeps promise to mail thousands of former students letters written by their past selves

The Kosher Gourmet by Sharon Thompson Anyone can make a salad, you say. But can they make a great salad? (SECRETS, TESTED TECHNIQUES + 4 RECIPES, INCLUDING DRESSINGS)

April 2, 2014

Paul Greenberg: Death and joy in the spring

Dan Barry: Should South Carolina Jews be forced to maintain this chimney built by Germans serving the Nazis?

Mayra Bitsko: Save me! An alien took over my child's personality

Frank Clayton: Get happy: 20 scientifically proven happiness activities

Susan Scutti: It's Genetic! Obesity and the 'Carb Breakdown' Gene

Lecia Bushak: Why Hand Sanitizer May Actually Harm Your Health

Stacy Rapacon: Great Funds You Can Own for $500 or Less

Cameron Huddleston: 7 Ways to Save on Home Decor

The Kosher Gourmet by Steve Petusevsky Exploring ingredients as edible-stuffed containers (TWO RECIPES + TIPS & TECHINQUES)

Jewish World Review

How to Choose the Best Travel Rewards Card for You

By Cameron Huddleston






http://www.JewishWorldReview.com | One way to save money on travel is to cash in on points earned through travel rewards credit cards. These cards can be a good way to score free flights and hotel stays - as long as you pay off your balance each month so that interest payments don't outweigh any perks you receive.

However, there are so many travel rewards cards that it can be difficult to figure out which one makes the most sense for you. The major airlines offer credit cards linked to their frequent-flier programs. Hotel chains offer cards tied to their loyalty programs. And plenty of credit card companies offer their own versions of travel rewards cards. All let you earn points when you make purchases that can be redeemed for travel-related benefits - but that's where the similarities end.

There really is no single best travel rewards card, says Tim Winship, publisher of FrequentFlier.com and editor-at-large for SmarterTravel.com. The key to choosing a card, he says, is to consider your travel habits.

If you're a frequent flier ...You'll benefit most by joining one airline's frequent-flier program and using its affiliated credit card, Winship says. Choose the card and frequent-flier program tied to the airline with the most flights to the places you need to go out of the airport nearest to you. You'll earn miles for free flights through the frequent-flier program for the actual miles you travel on the airline. And with most airline-branded cards, you'll earn two points for each dollar you spend purchasing that airline's tickets and one point for other purchases.

Airline-branded cards typically offer perks such as a free checked bag for each flight and priority boarding. For frequent flyers, airline cards also offer points toward elite status qualification, which leads to even more special treatment for road warriors, says MileCards.com Director Brian Karimzad.

If you fly just a few times a year ...You'll earn points toward free flights faster through a travel rewards cards that isn't tied to a particular airline, according to a recent study by MileCards.com. That's because travel rewards cards attach a higher point value to most purchases than the airline-branded cards do.


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For example, you can earn three membership rewards points for supermarket purchases, two points for gas purchases and one point for other purchases with the American Express EveryDay Preferred card. Plus, you can earn a bonus on all spending when you use the card for enough transactions each month. With the Gold Delta SkyMiles American Express, you earn just one mile for purchases other than Delta purchases. MileCards.com found that -- based on American household spending data from the Bureau of Labor Statistics - a family could earn, on average, 48,258 points a year using the Amex EveryDay Preferred card for gas and food purchases but just 21,780 points with the Gold Delta SkyMiles card.

Plus, you'll have more flexibility with a non-airline branded card. You're not locked in to booking with a particular airline. And you typically can use your points toward benefits other than free flights, such as free hotel stays, gift cards or even cash.

If you prefer to fly on Southwest Airlines or United Airlines, Karimzad recommends the Chase Sapphire Preferred card, which partners with both of those airlines and lets you transfer points one for one to their frequent-flier programs. It offers a sign-up bonus of 40,000 points for spending $3,000 in the first three months (worth $500 in travel when redeemed through Chase Ultimate Rewards), and the $95annual fee is waived the first year. If you prefer Delta, go with the Amex EveryDay card, which lets you transfer points one for one to Delta SkyMiles, has no annual fee and gives you 10,000 bonus points after you make $1,000 worth of purchases within three months after opening an account. You can earn points faster with the Amex EveryDay Preferred card, but it has a $95 annual fee. The Capital One Venture Rewards card has a simple formula for the number of points you need to cover a travel expense: Just add two zeros to the cost. That means if you buy a $300 airline ticket, you'll need 30,000 miles. The $59 annual fee is waived the first year, and you can earn 20,000 bonus miles after you spend $2,000 on purchases within the first three months.


< The CardFinder tool at MileCards.com can help you see whether a card with transferable points or a straight airline branded card will earn you the most points based on your spending habits and travel goals.

If you're loyal to a particular hotel chain ... If you tend to drive more than fly to your destinations, you might be better off with a hotel-branded card if you're loyal to a particular chain. You can rack up a lot of points when you use them to book rooms at their properties, and earn points with other purchases. Some entitle you to room upgrades at no additional cost and other perks, such as free Wi-Fi, at the hotels, while some let you transfer points to participating frequent-flier programs.

Another option ... Earning points toward free travel is alluring, but you might be better off with a cash-back card, Winship says. You won't have to worry about whether you have enough points or whether rewards seats are available on a specific airline on the days you want to travel. You simply use the cash you've earned to purchase flights or hotel rooms - or whatever else you want. Look for a card that lets you earn at least 2% cash back on purchase. You can compare cards at Bankrate.com.

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Cameron Huddleston is an editor at Kiplinger.



All contents copyright 2014 The Kiplinger Washington Editors, Inc. Distributed by Tribune Media Services. All rights reserved.

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