Million Mile Secrets Beginner's Guide - Before You Get Started https://millionmilesecrets.com/step-by-step-guides/beginners-guide/before-you-get-started/
Views: 1095 Million Mile Secrets
Daraius & Emily share tips to save money and time during your Holiday Travel!
Views: 1376 Million Mile Secrets
Million Mile Secrets Interview with Howie Rappaport
Views: 137 Million Mile Secrets
Million Mile Secrets Beginner's Guide - Before You Get Started. Find out what you need to know BEFORE you start the miles & points hobby! https://millionmilesecrets.com/step-by-step-guides/beginners-guide/before-you-get-started/
Views: 73 Emily Jablon
Like thousands of others, we used credit card rewards to visit Europe, Asia, and the Caribbean. To learn how, join 30,000 other email subscribers for FREE by going to our website! So where do you want to go using miles & points?
Views: 67 Million Mile Secrets
Watch this how-to guide and learn how to easily use Chase Ultimate Rewards points to save on travel!
Views: 284 Million Mile Secrets
Each year, we like to go up north to visit family & friends over the holidays. We usually use Southwest points and fly into Detroit, but this time we drove ~25 hours so that our dog, Mazzy, could spend the holidays with us. She loved snow! And everyone loved seeing our daughter Arya for her first Christmas!
Views: 23 Million Mile Secrets
Mother Daughter Trip to the Oregon Coast
Views: 74 Million Mile Secrets
Chicago Seminars Million Mile Secrets October 2015
Views: 52 Million Mile Secrets
Lost In Japan: https://IslandRecs.lnk.to/LostInJapan Stream/buy Shawn Mendes: The Album now: https://IslandRecs.lnk.to/ShawnMendes Follow Shawn Mendes: Twitter: https://twitter.com/shawnmendes Instagram: https://www.instagram.com/shawnmendes Facebook: https://www.facebook.com/ShawnMendesOfficial Website: https://www.shawnmendesofficial.com Lyrics: All it'd take is one flight We be in the same time zone Looking through your timeline Seeing all the rainbows, I I got an idea And I know that it sounds crazy I just wanna see ya All I gotta ask, Do you got plans tonight? I’m a couple hundred miles from Japan and I And I was thinking I could fly to your hotel tonight ‘Cause I can’t get you off my mind Can’t get you off my mind Can’t get you off my mind (uhh) I can feel the tension We could cut it with a knife I know it’s more than just a friendship I can hear you think I’m right, yeah Do I gotta convince you that you shouldn’t fall asleep? It’ll only be a couple hours, And I’m about to leave Do you got plans tonight? I’m a couple hundred miles from Japan and I And I was thinking I could fly to your hotel tonight ‘Cause I can’t get you off my mind Can’t get you off my mind Can’t get you off my mind Do you got plans tonight? I was hoping I could get lost in your paradise The only thing I’m thinking ‘bout is you and i ‘Cause I can’t get you off my mind Can’t get you off my mind I can’t seem to get you off my mind Let’s get lost tonight (uhh) Let’s get lost tonight Baby you and… I can’t seem to get you off my mind Let’s get lost tonight Let’s get lost tonight Baby you and… I can’t seem to get you off my mind Do you got plans tonight? I’m a couple hundred miles from Japan and I And I was thinking I could fly to your hotel tonight ‘Cause I can’t get you off my mind I can’t get you off my mind Do you got plans tonight, baby I was hoping I could get lost in your paradise The only thing I’m thinking ‘bout is you and I And I can’t get you off my mind Can’t get you off my mind I can’t seem to get you off my mind Let’s get lost tonight Let’s get lost tonight Baby you and… I can’t seem to get you off my mind Let’s get lost tonight Let’s get lost tonight Baby you and… I can’t seem to get you off my mind http://vevo.ly/D9d4aV
Views: 24538493 ShawnMendesVEVO
Fishing for a Souvenir at The Holiday Inn
Views: 78 Million Mile Secrets
Balboa Park is the crown jewel of San Diego. Our advice: pick one destination to see within the park because it’s a city within a city. We decided to visit the Japanese Gardens, and had an amazing time! Our 10 month old daughter loved the park, too! Most of the park is stroller friendly, but you may want to wear your baby in a carrier instead. Check out how you can visit San Diego for cheap
Views: 39 Million Mile Secrets
Playa del Carmen Cenote Underwater Footage - Million Mile Secrets
Views: 80 Daraius Dubash
Paris Eiffel Tower Lights Up at Night - Million Mile Secrets
Views: 28 Daraius Dubash
'Anywhere' out now - http://atlanti.cr/anywhere My new album 'Phoenix' is out now: http://atlanti.cr/Phoenix Subscribe to Rita Ora's channel: https://atlanti.cr/ritasubscribe ---- ► Follow Rita Ora http://www.ritaora.com http://youtube.com/ritaora http://twitter.com/ritaora http://facebook.com/ritaora http://instagram.com/ritaora http://www.ritaora.com/ Watch more great videos on the #BiggestSounds playlist: https://goo.gl/HG1o5r
Views: 271447665 Rita Ora
2014 Maldives Rangali Island Conrad Hilton Taste of Maldives
Views: 2217 Million Mile Secrets
Paris Eiffel Tower with Emily's Mom - Million Mile Secrets
Views: 32 Daraius Dubash
Music video by Tinie Tempah performing Written In The Stars. Taken from the album 'Disc-Overy' Buy Tinie Tempah 'Disc-Overy' on iTunes here: http://smarturl.it/tiniediscovery Listen to this track on Spotify: http://smarturl.it/dp84g7 Buy the album on Amazon: http://smarturl.it/qh895h ** The best artists, the best albums, the best price ** Get the FREE app now & be the first to discover TOP MUSIC DEALS http://Smarturl.it/top-music-deal (P) 2010 The copyright in this audiovisual recording is owned by Disturbing London Records Limited under exclusive licence to EMI Records Ltd
Views: 201690782 Tinie Tempah
The mystery of Giza has finally been solved: archaeologists uncovered who made the Great Pyramid and how they managed to build one of the Seven Wonders of the ancient world. The Great Pyramid of Giza, one of the Seven Wonders of the Ancient World, is visited by millions of tourists every year. If you have been to Egypt, you probably also have a fun picture of you pointing at the top of the Pyramids or “holding” the Sphinx in your hand. You only have to travel 15 miles from the center of modern Cairo to find yourself thousands of years back in time… in your imagination, even though the pyramids help a lot to make it seem real. Many scientists, archeologists, and history fans would give anything to travel in time to answer one question. It has been the topic of debate and research for centuries. How was the Great Pyramid built? Were aliens involved in the process? Good news is, you don’t have to wait for time travel to be invented to find out the answer. TIMESTAMPS The prevailing theory of how the Great Pyramid was built 1:24 More bizarre theories about the Great Pyramid 3:45 One of the theories involved levitation 5:49 The mystery has been solved 6:36 The secret of the Great Pyramid is no longer a mystery to you. You see, it took no aliens, but hard work, limestone, and wooden boats to create one of the wonders of the ancient world. Give this video a “thumbs up” if you liked it, and make sure to subscribe to our channel not to miss any updates. Subscribe to Bright Side : https://goo.gl/rQTJZz ---------------------------------------------------------------------------------------- Our Social Media: Facebook: https://www.facebook.com/brightside/ Instagram: https://www.instagram.com/brightgram/ SMART Youtube: https://goo.gl/JTfP6L Subscribe to our new channel 'SLICK SLIME SAM' - https://goo.gl/zarVZo Give a thumbs–up to see more adventures! 5-Minute Crafts Youtube: https://www.goo.gl/8JVmuC ---------------------------------------------------------------------------------------- For more videos and articles visit: http://www.brightside.me/
Views: 16208445 BRIGHT SIDE
➜ TESTING MY FAN'S SECRETS - IS THERE A 1 MILLION DIAMOND? 💎 // Roblox Royale High School 😻 Subscribe to the channel for more Roblox videos: https://goo.gl/VYi98e 😻 💕I hope you enjoyed this video. If you did make sure to leave a like, comment and subscribe for more! ∙∙∙ 🌈 Follow me on: Twitter: https://twitter.com/keisyooo Instagram: https://www.instagram.com/keisyoo/ ... 🎵 by Epidemic Sound and Incompetech ... #Keisyo #Roblox #RoyaleHighSchool
Views: 606346 Keisyo
Courtesy of ITV Studios and RVC http://www.itv.com/hub/the-royal-variety-performance/1a6178a0007? LADY GAGA / JOANNE NEW ALBUM / OUT NOW iTunes: http://smarturl.it/Joanne Apple Music: http://smarturl.it/Joanne.ap Spotify: http://smarturl.it/Joanne.sp Google Play: http://smarturl.it/Joanne.gp Amazon: http://smarturl.it/Joanne.amz LadyGaga.com: http://smarturl.it/GagaStore FOLLOW LADY GAGA: http://www.facebook.com/ladygaga http://www.twitter.com/ladygaga http://www.instagram.com/ladygaga http://www.snapchat.com/add/ladygaga http://smarturl.it/LG.sp EMAIL LIST: http://smarturl.it/LadyGaga.News http://vevo.ly/CJbEXj
Views: 20826384 LadyGagaVEVO
Do you know what your blood type is? It’s a pretty basic health question with a pretty bizarre history. We take a look at some ill-fated blood experiments from yesteryear, and try to figure out why it is that all blood isn’t alike. And, our intrepid video director Cory Zapatka takes the question into his own hands with a blood typing kit and a needle... Subscribe: http://bit.ly/2FqJZMl Like Verge Science on Facebook: http://bit.ly/2hoSukO Follow Verge Science on Twitter: http://bit.ly/2Kr29B9 Read More: http://www.theverge.com Community guidelines: http://bit.ly/2D0hlAv
Views: 1076432 Verge Science
Want more of this show? Support us on Patreon - https://www.patreon.com/LifeForSale Ben Mallah visits John's Pass in Madeira Beach Florida to do his due diligence on an $18 million dollar waterfront commercial property. Music Penacho - https://www.youtube.com/penachobeats Ivan - https://www.youtube.com/cookiedgk KONCRETE NETWORK http://twitter.com/koncrete http://instagram.com/koncrete http://facebook.com/koncreteinc
Views: 191448 KONCRETE
► Listen to our new album LIMITLESS: http://ThePianoGuys.lnk.to/LimitlessAW ► Add this song to your Spotify playlists: https://spoti.fi/2lbOceV ► Get the sheet music: https://smarturl.it/TPGSheetMusic ► Get all of our albums: https://smarturl.it/TPG_ALBUMS ► WE'RE ON TOUR! https://smarturl.it/tpgtour ________________________ ► SUBSCRIBE: https://smarturl.it/TPGsubscribe1 ► FACEBOOK: https://www.facebook.com/ThePianoGuys ► INSTAGRAM: https://www.instagram.com/ThePianoGuys ► TWITTER: https://www.twitter.com/ThePianoGuys “A Million Dreams” from the Greatest Showman Starring: Jon Schmidt, as himself Milo Allman, as Mini Schmidt (Isn’t he incredible!) - https://www.facebook.com/milo.allman.9 - https://www.instagram.com/miloallman/ James Tilby, as Mini Steven Sharp Nelson (watch until the very end!) Performed and filmed on the stage of Tuacahn Outdoor Theater in Southern Utah where Jon and Steve actually first performed together many years ago! Arrangement produced & written by Jon Schmidt Audio recorded by Craig Knudsen Mixed & Mastered by Al van der Beek at TPG Studios, Utah Filmed & Produced by Paul Anderson & Shaye Scott Edited by Shaye Scott Behind the Scenes: Kyle Fisher
Views: 2734646 ThePianoGuys
Did you know that you can go to Hawaii for ~$20!? We recently went to Oahu and visited the beautiful beaches, rode ATVs in Jurassic World, and went ziplining for the first time! You, too, can get the same travel deals! Check out MillionMileSecrets.com to learn more.
Views: 191 Million Mile Secrets
In Todays Episode, Huracan Damage Inspection! Play World of Warships for free: http://bit.ly/2JsERyy New players will receive 1 Million Credits, the USS Langley Aircraft Carrier, 3 days premium time, and more by using my code PLAYLANGLEY2019. Big thanks to Wargaming for sponsoring. ❱ Shop - http://bisforbuild.com/ ❱ Game - http://disfordrift.com ❱ Patreon - http://www.patreon.com/user?u=3364742 ❱ Facebook - http://facebook.com/bisforbuild ❱ Instagram - http://instagram.com/bisforbuild ❱ Twitch - https://www.twitch.tv/bisforbuild Music: Fareoh - Cloud Ten
Views: 373273 B is for Build
More FAQ's To help you on your journey to good credit! FIX YOUR CREDIT NOW (DIY): https://609creditrepair.com/ HIRE US TO FIX YOUR CREDIT FOR YOU: http://weaverfinancialgroup.com/ SUBSCRIBE! FREQUENTLY ASKED QUESTIONS: https://goo.gl/vRpnW8 BOOKS THAT CHANGED MY LIFE How to Get Rich by Felix Dennis: http://amzn.to/29MVQq6 4 Hour Work Week by Tim Ferriss: http://amzn.to/29MWLHe The Life-Changing Magic of Tidying Up by Marie Kondo: http://amzn.to/29R7thv The Nerdist Way by Chris Hardwick: http://amzn.to/29NS7dc I Will Teach You To Be Rich by Ramit Sethi:http://amzn.to/2al0fAy RESOURCES THAT CHANGED MY LIFE The Points Guy http://thepointsguy.com/ Million Mile Secrets http://millionmilesecrets.com/ Audible http://www.audible.com/ Boomerang http://www.boomeranggmail.com/referral_download.html?ref=z8ksx DOCUMENTARIES THAT CHANGED MY LIFE Earthlings https://www.youtube.com/watch?v=C3j0LyysECA&feature=youtu.be Cowspiracy: http://www.cowspiracy.com Racing Extinction http://amzn.to/28ZTPEL Chemerical: http://amzn.to/28ZSair Toxic Hot Seat: http://www.toxichotseatmovie.com/ SOCIAL MEDIA WEBSITE: https://609creditrepair.com/ INSTAGRAM: http://instagram.com/brandonaweaver FACEBOOK:https://www.facebook.com/brandonaweaver TWITTER: https://twitter.com/brandon_weaver IMDB: http://www.imdb.com/name/nm2358555/?r... JERA'S VEGAN MINAMILIST LIFESTYLE https://www.youtube.com/c/veganfuckyeah MUSIC: Dip Dop Dont Stop by BitBurner https://soundcloud.com/bitburner Creative Commons — Attribution 3.0 Unported— CC BY 3.0 https://creativecommons.org/licenses/by/3.0/ Music provided by Audio Library https://youtu.be/6Pu78MIhrtY SUBSCRIBE
Views: 2636 Brandon Weaver
For several decades at least, scientists have known that vast chambers filled with water lie untouched beneath Antarctica's 5.4-million- square-mile ice sheet. Best 2017 The Secrets Of Antarctica Earth Underwater Antarctica is Earth's southernmost continent, containing the geographic South Pole. The brain power helps the man to discover many secrets of Earth. We also reached the Moon surface and explore other planets in solar system. But still there . Don't forget to subscribe and share . New Surprising Secret Revealed .
Views: 724 Pedro Conway
Dark Secrets The Vatican DOESN'T WANT YOU TO FIND OUT! Origins Explained presents to you these dark secrets the vatican doesn't want you to find out! From conspiracy theories and scandals to secret archives, check out this top 10 list of secrets about the vatican and pope francis finally revealed! Subscribe For New Videos! http://goo.gl/UIzLeB Watch our "Dark SECRETS Walmart DOESNT Want You To Know!" video here: https://youtu.be/Ri9GySOGvgM Watch our "Top 5 Most Mysterious and Powerful Secret Societies" video here: https://youtu.be/0Lu4Uvc5EhA Watch our "Dark SECRETS Brands Don't Want You To Find Out!" video here: https://youtu.be/ejz5wvVpY5w 10.) Exorcisms The Catholic Church has been performing exorcisms for at least hundreds of years and in the past, any one who was a Christian could perform one, since it was believed that every Christian had to the power to command demons and drive them out. 9.) Crime Rate The Vatican City only has a population of 801 people as of Jan 2018. With 1.5 crimes per citizen, Vatican City has the highest crime rate in the world. And it’s not even the ones who live in the city that contribute to most of the crime. 8.) The Pope and Social Media Would you want to text the Pope? Reportedly, the Pope and texting started with Pope Benedict XVI (16th). In 2009, the Vatican opened up an official YouTube channel to show various Papal addresses and ceremonies. 7.) The Apostolic Penitentiary A priest can forgive most sins that you commit at the Vatican if you ask for forgiveness. While a priest can forgive you if you commit murder (and not have to tell the police) there are five other confessions that are so terrible, you cannot be forgiven. 6.) The Vatican Bank and Nazi Gold In 1997, you might remember documents that were released declaring the Vatican bank held 200 million francs, which is about $254 million in today’s standards. 5.) The Banco Ambrosiano Scandal The Banco Ambrosiano was one of the biggest private banks in Italy which collapsed. The bank was in debt with about 1.4 billion dollars when the scandal broke out. 4.) Relations with the Mafia On the morning of September 29, 1978, Pope John Paul I was found dead, sitting up in his bed, after only 33 days in office. While officials claimed that he died of a heart attack, an autopsy was never performed. 3.) Retiring Popes Once the Pope is elected, they are supposed to stay in that position until they die. However, did you know they do not have to be? However, if the Pope retires, it is comparable to a parent giving up its children. 2.) You Can Read the Pope’s Mail While the Vatican’s secret archives have not truly been a secret since the late 1800s, it has become more accessible over the years. 1.) Swiss Bodyguards When you think of the Swiss now, you probably think of being neutral and pacifism. However, back in the 1500s, the Swiss were actually considered an unstoppable military force. Dark Secrets The Vatican DOESN'T WANT YOU TO FIND OUT! Origins Explained is the place to be to find all the answers to your questions, from mysterious events and unsolved mysteries to everything there is to know about the world and its amazing animals!
Views: 92443 Origins Explained
► Get our albums here: https://smarturl.it/TPG_ALBUMS ► WE'RE ON TOUR! https://smarturl.it/tpgtour ► DOWNLOAD THIS SONG: https://smarturl.it/TPG1_Album ► GET THE SHEET MUSIC: https://smarturl.it/TPGBook_sheet-music ________________________ ► Apple Music/iTunes - https://smarturl.it/TPGAppleMusic ► Spotify - https://smarturl.it/TPGCatalog ► Amazon - https://smarturl.it/TPGAmzn ► Google Play - https://smarturl.it/TPGooglePlay ________________________ ► SUBSCRIBE: https://smarturl.it/TPGsubscribe1 ► FACEBOOK: https://www.facebook.com/ThePianoGuys ► TWITTER: https://www.twitter.com/ThePianoGuys Story behind the song: Our kids give us great inspiration for our music. When Jon's 17-year-old daughter said how much she loved this song, Jon decided to try it. He experienced a flood of inspiration. "Never has a piano part come together this fast," Jon says. Steve experienced similar inspiration while composing the cello parts. Since the lyrics suggest a bride walking towards the groom in a ceremony we thought we would include a quote from the Bridal Chorus by Wagner in the climax of the song. (It is carefully disguised). As it seems to always go, Paul and Tel didn't find the spot until they spent 9 hours driving around southern Utah the day before the shoot looking. After getting a little discouraged by not finding anything that great, they just happened to check out a little-hidden spot right near Baker Dam and thought it was perfect for the song. The next morning we all loaded up the piano and headed out there to film, but after getting the Truck and Trailer stuck and waiting for the sun to move, we didn't get started filming until that evening having about 3 hours of light. It was so fun to film and play in the middle of the trees! Credits A Thousand Years written by CHRISTINA PERRI, DAVID HODGES Published by SUMMIT BASE CAMP FILM MUSIC, EMI BLACKWOOD MUSIC INC, CHRISTINA PERRI D/B/A MISS PERRI LANE PUBLISHING Arrangement produced by Jon Schmidt Arrangement written by Al van der Beek, Jon Schmidt, & Steven Sharp Nelson Performed by Jon Schmidt: piano Steven Sharp Nelson: acoustic cello, & cello-percussion Music recorded, mixed & mastered by Al van der Beek at TPG Studio Piano was recorded and edited at big idea studios by Jake Bowen Video produced by Paul Anderson & Tel Stewart Check out our Top 10 videos! A Thousand Years - Christina Perri: https://youtu.be/QgaTQ5-XfMM Disney's Let It Go / Vivaldi's Winter: https://youtu.be/6Dakd7EIgBE Beethoven's 5 Secrets - OneRepublic: https://youtu.be/mJ_fkw5j-t0 Titanium / Pavane David Guetta / Faure: https://youtu.be/fz4MzJTeL0c What Makes You beautiful / One Direction: https://youtu.be/0VqTwnAuHws Peponi - Coldplay - Paradise: https://youtu.be/Cgovv8jWETM Cello Wars - Star Wars: https://youtu.be/BgAlQuqzl8o Fight Song / Amazing Grace: https://youtu.be/mOO5qRjVFLw Kung Fu Piano - Oogway Ascends: https://youtu.be/NCaH-qqTWpk Story of My Life - One Direction: https://youtu.be/yET4p-r2TI8 #thepianoguys #pianocello
Views: 156427328 ThePianoGuys
One mile below the Earth’s surface, in a converted South Dakota gold mine, scientists are unlocking secrets to how the universe was created. Physicists in this Nobel Prize-winning lab hope that continued data collection on some of the tiniest particles in the universe will lead to better understanding of how every star, galaxy and planet was formed. A great big story made in partnership with Hewlett Packard Enterprise: http://hpe.com SUBSCRIBE: https://goo.gl/vR6Acb Follow us behind the scenes on Instagram: http://goo.gl/2KABeX Make our acquaintance on Facebook: http://goo.gl/Vn0XIZ Give us a shout on Twitter: http://goo.gl/sY1GLY Come hang with us on Vimeo: http://goo.gl/T0OzjV Visit our world directly: http://www.greatbigstory.com Great Big Story is a video network dedicated to the untold, overlooked & flat-out amazing. Humans are capable of incredible things & we're here to tell their stories. When a rocket lands in your backyard, you get in.
Views: 208175 Great Big Story
For the first time, astronomers have used supermassive black holes from just after the Big Bang to measure the expansion rate of the Universe. Now, we have a bigger mystery on our hands than the answer this effort provided. It turns out the Universe is growing faster than expected. This could mean that the dark energy thought to drive the acceleration of this expansion, also sometimes interpreted as the cosmological constant described by Albert Einstein, is not so cosmologically constant after all. Instead, it could be growing stronger. The Universe's rate of expansion is called the Hubble Constant, and it's been incredibly tricky to pin down. Every test seems to come up with a different result; recently, data from the Planck satellite that measured the cosmic microwave background set it at 67.4 kilometers (41.9 miles) per second per megaparsec, with less than 1 percent uncertainty. Other methods typically involve the use of 'standard candles', objects with known luminosity such as cepheid variable stars or Type Ia supernovae, from which distance can be calculated based on their absolute magnitude. Last year a cepheid variable star calculation of the Hubble Constant returned a result of 73.5 kilometers (45.6 miles) per second per megaparsec. So you can see why astronomers keep poking this weird cosmic bear. But a few years ago, astronomers realized that the distance to another object could be calculated accurately, too. Enter quasars, along with their black holes. Quasars are among the brightest objects in the Universe. Each is a galaxy that orbits a supermassive black hole actively feeding on a material. Its light and radio emissions are caused by material around the black hole, called an accretion disc, which emits intense light and heat from friction as it swirls like water circling a drain. They also emit X-ray and ultraviolet light; and, as discovered by astronomers Guido Risaliti of Università di Firenze, Italy, and Elisabeta Lusso of Durham University, UK, the ratio of these two wavelengths produced by a quasar varies depending on the ultraviolet luminosity. Once this luminosity is known, as calculated from that ratio, the quasar can be used just like any other standard candle. And that means we can measure farther back into the Universe's history. "Using quasars as standard candles have great potential, since we can observe them out too much greater distances from us than Type Ia supernovae, and so use them to probe much earlier epochs in the history of the cosmos," Lusso said. The researchers compiled UV data on 1,598 quasars from just 1.1 billion to 2.3 billion years after the Big Bang and used their distances to calculate the expansion rate of the early Universe.
Views: 1335282 ADVEXON TV
Here's how I did it! http://bit.ly/2irTZPB
Views: 59 Million Mile Secrets
The credit card industry is a hugely profitable business for banks, that’s why you see so many bank commercials trying to get you to use their cards. What do credit card companies not want you to know? Which credit card is best? And which credit card should you get -- to avoid getting ripped off? Credit cards are a huge profit center for banks and financial institutions. Why? Just think about it, the average interest that a bank charges on a credit card is 17.65% - this is legalized loan sharking, because a bank cannot charge this kind of interest rate anywhere else. Not on mortgages or business loans. The interest you pay on your mortgage for example is a much more reasonable 5%. Business loans are 8% or so. Credit cards more than double that. In addition, the average US household carries a balance of $7000 on their credit card. Multiply these numbers together: $7000 x 17.65% = $1235 -- This means that banks can expect $1235 per year of free income for every single person they can get to sign up for their credit card. That’s significant. That’s like getting a $100/month cable subscription fee for just giving you a piece of plastic. But that’s not the only profit center for banks, they also rake the merchants over the coals - by taking a cut of about 2 to 4% on every single purchase you make. This is called merchant transaction fees. Merchants pay this to the credit card companies for the “privilege” of accepting credit cards from consumers. They have no choice because you would rather use your credit cards than give them cash or checks. To make things even more unfair for you, the credit card loans and fees are set up so that once you accrue interest, it is not easy to pay it all off in one big lump sum, because you find out at the end of the month that interest is accumulating on top of interest. This is compound interest in reverse. Like I said, this is legalized loan sharking. So I implore you to never ever keep a monthly balance on your credit card. Almost every other loan is better than a loan from your credit card company. Take a loan on your home equity. Take out a personal load from a credit union. Better yet, learn to live below your means and pay off your credit card balance at the end of every month. If you can discipline yourself and your family to do this, you can take advantage of the banks. How? Get a credit card that pays cash back. Credit card companies will try to confuse you with their loyalty cards, points, and frequent flier miles. They also have offers like $100 to $300 if you sign up with them, or free travel miles, or other crap. Just tune these out. They are trying to confuse you on purpose. It’s to make a lot of noise, so you don’t see the real picture, and so they can seduce you to take their crappy offer. Cash is almost always better than any other reward. Airline miles are worth about 1% of the value of your purchases, and points are rarely worth more than 1%. I have done all the research – the best credit card to get is a simple cash back card. Specifically this one: City Double Cash Master card. This card pays you 2% in cash back. 1% as soon as you make a purchase, and 1% after you pay your bill. 2% back is the highest available cash back you can get on all purchases for a credit card in the United States. This card is not only accepted almost everywhere, it also has no annual fee. In addition, they have a 0% interest for 18 months for new customers. And even if you carry a balance, their interest rate is competitive, starting at 15.7%. They are head and shoulders above everybody else, in my opinion. I have tried all kinds of other cash back cards, and this one is the best in my opinion. Nobody else that I am aware of gives you 2% on every purchase, Capital One gives you 1.5%, American express gives you 1%, and 6% on groceries, but you pay $95 per year, and it gets confusing. Discover gives you 1% on everything and 5% on groceries and gas. This again gets confusing because you have to figure out if the 5% on groceries and gas will give you more than 2% overall. I used to carry American Express, but after I made all the calculations, it was a wash with this Citi Double Cash card. You’re better off with a straight 2% off everything. It is simple. Now, if your life situation is such that you have to carry a balance, then look into Penn Fed Gold Visa Card – it has an annual interest rate as low as 9.24%, with no annual fee and a 0% APR offer for new customers. I hope this little bit of knowledge, and homework from an obsessive analytical geek helps cut through the clutter, and saves you a bundle of money. If you found this helpful, and you want to see more of this kind of stuff, let me know in the comments below. Give me a thumbs up. I wish you all the best my friends.
Views: 355 Arvin Ash