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How a financial coach can help you get out of debt

If you can’t give up your daily latte, your twice-a-month false eyelashes or weekly fresh flowers, a financial coach won’t judge you.

But that coach or counselor will stress that you won’t reach your financial goals if you don’t give up most of your splurging.

“I had one client who was spending $200 a month to have people glue eyelashes on her lashes every two weeks,” said Christine Lane, an accredited financial counselor. “Until I met her, I didn’t even know that was a thing.”

“Everyone has different things that are important to them,” said Bridget Todd, head of trainer development at The Financial Gym, a credit coaching business. “A big one for people is often personal or mental wellness. Some people pay for an Equinox membership and they don’t want to go to a cheaper alternative. For others, an acupuncturist or a chiropractor is important to them to feel their best. We find the non-negotiables and ask them what expenses can come out.”

See related: How to match your spending with your values in 2021

What a financial coach does

A financial coach or counselor helps clients take a comprehensive look at all of their finances, bridging the gap between a debt counselor, who focuses on reducing your debt, and a financial advisor or planner, who focuses on helping you build wealth, Todd said.

“We focus on your entire financial life,” she said. “We take a deep dive into the day-to-day, how you’re spending your money. We give you different scenarios: if you do this, this will happen. We allow you to improve your finances and also help you feel comfortable and live your life.”

No matter how bad your debt or how frivolous your spending, financial coaching is a collaborative, judgment-free zone. A coach or counselor helps clients develop healthy spending habits, reduce debt, and build short-term and long-term savings. The goal is long-term financial wellness, said Rebecca Wiggins, executive director at the Association for Financial Counseling and Planning Education.

“A financial coach views the client as the expert in their own life, collaborating with them to define their goals, create solutions and an action plan that helps them achieve their goals,” Wiggins said.

Like many coaches, Lane uses a “spending, debt and savings” spreadsheet to open her clients’ eyes to their true financial picture. She shows clients how much they can spend every week or month on wants without going further into debt. Entering higher or lower spending or savings numbers in the spreadsheet immediately changes the long-term picture.

“The key is telling them what the number is,” Lane said. “I tell them, ‘Here are your fixed expenses and here’s what you have left. Focus on spending no more than $200 this week.”

Good budgeting is about categorizing expenses.

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  • Techniques to curb spending

    Like many coaches and counselors, Lane asks her clients to give up all credit card spending for a set period – in her case, three months.

    “I once had a woman who was $10,000 in credit card debt and was paying a ton of interest say she didn’t want to give up earning her points and that she’d already gotten two free hotel rooms,” Lane said. “I told her, ‘You’re going to pay in interest so much more than those free hotel rooms.’”

    Another technique Lane uses is asking clients to set just one so-called buy day a month: all other days are window shopping, or more likely now, screen shopping.

    “You can shop any day you want, go in person, take pictures, put things on Pinterest,” Lane said. “But there’s only one day a month where you’re actually allowed to make the purchase. If you have anything on the list that you haven’t thought of, then you don’t really want it.”

    See related: How to stop overspending during the pandemic

    Bottom line results

    Lane has worked with clients with credit card debt up to $60,000 and total debt, counting student loans, up to $200,000. Most are in their 30s to early 40s and have $20,000-$30,000 in debt.

    Many can get out of debt in about two years, she said. But these reforming spenders start feeling better about their financial life and life in general much earlier, Lane said.

    “Generally after six weeks, they say a weight was lifted from their shoulders,” she said. “They say, ‘I’m running more. I have a better relationship with my girlfriend.’”

    On average, their first year, clients at The Financial Gym see their credit scores go up more than 100 points, save $5,000 to $10,000, and pay off $5,000 to $10,000 in debt, Todd said.

    How much does financial coaching cost? 

    At The Financial Gym, coaching rates are about $99 a month for individuals, $150 a month for couples and $250 a month for business owners, Todd said.

    Fees for accredited coaches and counselors range from $50 to $150 an hour, Wiggins said. Some coaches offer packages or work on a sliding scale based on income, she added.

    See related: What is credit counseling, and how can it help you?

    How to become a financial coach

    To become a counselor accredited through AFCPE, students take one to three years to meet the education requirements and complete the exam, Wiggins said. The most common pathway is self-study with books and materials. This pathway’s cost is $1,455, including a $50 registration fee, $675 for books and materials, and a $730 exam.

    To become a certified financial coach through Sage Financial Solutions, applicants complete three modules, which can be done in as little as six months, at the cost of $1,200 and about 30 hours for the first module, $550 and 15 hours and for the second module and $750 and 22 hours plus 100 experience hours for the third module.

    The Financial Gym prepares its own coaches, which it calls trainers, with a two-week training session, then an interview with several team members, shadowing current trainers, creating mock financial plans and passing an exam with a score of 80 or higher, Todd said.

    Back to lattes and lashes

    Lane’s client still spends $200 every month on false eyelashes, which for her are nonnegotiable. But the client gave up her weekly fresh flowers, cut back on her dog walker and improved her financial picture from overspending her income by $200 a month to saving $1,000 a month, Lane said.

    “Different people have different blind spots,” Lane said. “That’s an advantage of counseling; you get a really personalized look at your needs. We try to work toward their goals, not ours. Accountability without judgment is our superpower.”

    “At the end of the day, it’s just math,” Todd said. “You have to be honest with me about what you’re willing to give up to get there.”

    Case study: From $15,000 in credit card debt to zero

    When Moira Sedgwick started working with a Financial Gym coach, her debt topped $250,000, with about $110,000 in student loans, $15,000 in credit card debt and a mortgage.

    “The bad surprise was how much debt was staring at me,” said Sedgwick, 39, who works as the director of The James Beard (Culinary) Awards and also consults in hospitality and event management. “I had always been messy at all of this. This was a way to stop being messy and own my finances.”

    Sedgwick already was paying extra on her student loans and was thinking about saving more for retirement, but her coach told her paying down debt, especially the high interest credit card debt, was the top priority.

    The next bad surprise was putting a cap on her spending. “I had only $100 a week for my fun money,” she said. “I had been spending everything that was coming in. I’m in the restaurant world, so a lot of it was dining out. I would justify it by saying, ‘This is my industry. This is my job.’

    “But no one on my job was reimbursing me. Cutting that out was a huge difference. I was getting real about how much eating out was really costing me and getting real about how much that was keeping me from my goals.”

    She still does takeout on Fridays and Saturdays – that was her nonnegotiable.

    Sedgwick, who didn’t have a lot of financial guidance growing up, said she feels like she has a partner to guide her decisions. “I finally have a support system,” she said.

    A few years in, Sedgwick has cut her credit card debt to zero and cut her student loan debt by nearly half, and paid her mortgage down to $68,000. Her credit score has improved from a respectable 740 to a nearly perfect 800. She saved up $30,000 in her emergency fund but recently used about half to buy a rental property, a longtime goal. She talked to her financial trainer first.

    “I talk to my trainer before I do anything,” she said. “That’s the only way I feel safe.”

    Source: creditcards.com

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    Best credit cards for international travel

    The best credit cards for international travel can make traveling a more comfortable and rewarding experience, and in more ways than one.

    The right rewards credit card can help you score valuable travel perks like airport lounge access and expedited airport security. Some cards even let you avoid unnecessary foreign transaction fees. The top travel cards in the market also let you earn points and miles you can redeem for free flights, hotel stays and more.

    If you’re in the market for a credit card for international travel, you’ll want to compare all the top cards to see how they might work for your travel style and goals. Keep reading to learn about the best credit cards for travel overseas, what they offer in terms of perks and rewards and how you can sign up.

    Chase Sapphire Reserve®

  • Best for lounge access: The Platinum Card® from American Express
  • Best for flexibility: Capital One Venture Rewards Credit Card
  • Best for infrequent international trips: Chase Sapphire Preferred® card*
  • Best with no annual fee: Bank of America® Travel Rewards credit card
  • Students: Bank of America® Travel Rewards Credit Card for Students*
  • Chase Sapphire Reserve: Best credit card for international travel

    The Chase Sapphire Reserve is frequently listed as the top travel credit card on the market today, and for good reason. This card gives you 3X points on travel and dining purchases plus 1 point per $1 on everything else you buy. Through March 2022, you will also earn 10 points each dollar you spend on rides with Lyft. As an added bonus, you will earn 3X points on up to $1,000 per month in grocery spending through April 30, 2021 as well.

    New cardholders are also eligible to earn 50,000 points after spending $4,000 within three months of account opening. That’s worth $750 in travel through the Chase Ultimate Rewards portal.

    Redemption options are very flexible: You can redeem rewards as statement credits toward any travel purchase, or for travel through the Chase portal to get a 50% redemption bonus (making your points worth 1.5 cents apiece). Also, you can transfer your points at a 1:1 rate to 11 travel partners, including United MileagePlus and Southwest Rapid Rewards.

    In exchange for the $550 annual fee, you’ll also receive excellent travel benefits like a TSA Precheck or Global Entry credit and a Priority Pass Select airport lounge membership. Furthermore, the card comes with some of the best travel protections around, including trip cancellation and interruption insurance and primary car rental insurance.

    The card also offers a $300 annual travel credit that applies to most travel purchases. So, if you make at least $300 in travel purchases each year, you’ll cancel out most of the card’s fee.

    if you do the math, you’ll find that the Sapphire Reserve is usually the better value if you travel often, despite its higher fee.

    The Platinum Card® from American Express: Best credit card for international lounge access

    Frequent travelers who want superior perks should also consider The Platinum Card from American Express. This card gives you 5X points on up to $500,000 in airfare booked annually with airlines or through AmexTravel.com as well as 5X points on prepaid hotels booked through AmexTravel.com. You also get 1 point per $1 on everything else you buy as well as 75,000 points when you use your card for $5,000 in purchases within six months.

    Amazingly, you can also earn 10 points per dollar on eligible purchases at U.S. gas stations and U.S. supermarkets (on up to $15,000 in combined purchases) in the first six months.

    While you may not want to go solo with the Platinum card due to its more limited acceptance in foreign countries, you’ll find that the card is a great choice for getting comfortably to your destination. The Platinum card is piled with perks, including access to one of the largest and lushest lounge networks in the world, encompassing Amex Centurion lounges, Delta SkyClub lounges and the Priority Pass network.

    Furthermore, the card is laden with valuable travel credits, including an airline fee credit of up to $200, up to $200 in Uber credits each year, a credit for Global Entry or TSA Precheck membership and a $75-$100 hotel credit.

    The credits can be trickier to apply than the Sapphire Reserve’s travel credit (the airline fee credit, for instance, only applies to incidentals on one airline that you must designate at the start of each year). However, if you know how to use the Platinum card’s perks, you can easily outmatch the $550 annual fee.

    See related: When is a credit card annual fee worth it?

    Capital One Venture Rewards Credit Card: Best flexible card for international travel

    The Capital One Venture Rewards Credit Card offers an interesting rewards proposition and miles you can use in more than one way. Once you sign up, you’ll rack up a flat 2X miles for each dollar you spend. The card also offers 60,000 bonus miles worth $600 in travel when you spend $3,000 within three months of account opening.

    Redemption is simple and straightforward: You can redeem Capital One miles for any type of past travel on your credit card statement at a rate of 1 cent per mile using. Or, if you’re a bargain hunter and want to get a little extra value out of your miles, you can transfer them to a number of airline and hotel partners at a transfer ratio that varies based on the program.

    If you decide not to travel, you can even redeem your miles for purchases made through PayPal.com or Amazon.com.

    The card also offers a couple of features that make it a great choice for taking it abroad: It doesn’t charge any foreign transaction fees, and you’ll get up to a $100 credit for Global Entry or TSA Precheck membership, which can help you get through customs and security much faster. A $95 annual fee applies.

    Chase Sapphire Preferred® card: Best credit card for infrequent international trips

    If you want to earn rewards for international travel but you don’t take many trips abroad, it can make sense to sign up for a premier travel credit card that offers fewer international travel perks with a lower annual fee.

    The Chase Sapphire Preferred® card is one of the best options out there due to the fact you can transfer your points 1:1 to popular airlines for international travel, including Emirates, United Airlines, British Airways and more. You can also book international travel through Chase Ultimate Rewards, and you’ll get 25% more value when you do.

    This card starts you off with 60,000 points worth $750 in travel when you spend $4,000 within three months of account opening, but you’ll also earn 5X points on Lyft rides (through March 2022), 2X points on travel and dining and 1X points on all other purchases. Through April 30, 2021, you’ll also earn 2x points on up to $1,000 per month in grocery spending.

    While you won’t get perks like airport lounge access or Global Entry membership, you’ll only pay $95 per year to keep this card.

    See related: Best credit cards for airport lounge access

    Bank of America Travel Rewards credit card: Best international credit card with no annual fee

    While we generally prefer premium travel cards over no-annual-fee travel cards, you should check out the Bank of America Travel Rewards credit card if you’re trying to avoid an annual fee. For international trips, the Bank of America Travel card is a great choice – it doesn’t charge foreign transaction fees, plus you can add a PIN number to your card.

    A PIN number is a convenient option for foreign countries where chip and pin cards are standard – you can use your card in more places, including unattended terminals that require PIN numbers.

    The Bank of America Travel card also offers a solid rewards program: You get 25,000 points when you spend $1,000 on your card within the first 90 days, plus an unlimited 1.5 points for each dollar that you spend. When it comes to redeeming your rewards, you can cash them in for travel purchases at a rate of 1 cent per point, or for gift cards, merchandise and more.

    As a nice bonus, you’ll qualify for 0% APR on purchases for 12 months, followed by a variable APR of 14.99% to 22.99%. This perk can help you finance a large international trip then pay it down without interest for the first year.

    Bank of America® Travel Rewards Credit Card for Students: Best international credit card for students

    If you’re a student with no credit history trying to qualify for a travel card, you should check out the Bank of America Travel Rewards Credit Card for Students. The card offers a couple of key advantages: It doesn’t charge an annual fee, and it doesn’t charge any foreign transaction fees.

    It also offers an exceptionally good rewards program for a student travel card. You get the same 25,000-point sign-up bonus as the regular Bank of America Travel card and the same 1.5-point earning rate, allowing you to rack up lots of points that you can use to fund your travels.

    Redemption is just as easy and flexible as the regular Bank of America Travel card – you can redeem points as statement credits to cover any travel purchase. And like you would with the regular card, you’ll get 0 percent APR on purchases for 12 months, followed by a variable APR of 14.99% to 22.99%.

    See related: What happens when your 0% introductory APR ends?

    Compare top credit cards for international travel

    Rewards Annual fee
    Chase Sapphire Reserve®
    • 3x points on travel and dining
    • 3x points on up to $1,000 in grocery spending per month through April 30, 2021
    • 10x points on Lyft rides
    • 1x points on other purchases
    • 50,000 points if you spend $4,000 in first 3 months
    $550
    The Platinum Card® from American Express
    • 10x points on eligible purchases at U.S. gas stations and U.S. supermarkets on up to $15,000 in combined purchases during first 6 months of card membership
    • 5x points on up to $500,000 in airfare annually booked directly with airlines or through AmexTravel.com
    • 5x points on prepaid hotels booked through AmexTravel.com
    • 1x points on other purchases
    • 75,000 points if you spend $5,000 in first 6 months
    $550
    Capital One Venture Rewards Credit Card
    • 2x miles on all purchases
    • 60,000 miles if you spend $3,000 in the first three months of account opening
    $95
    Chase Sapphire Preferred card
    • 2x points on travel and dining
    • 2x points on up to $1,000 in monthly grocery spending through April 30, 2021
    • 1x points on other purchases
    • 60,000 points when you spend $4,000 within three months of account opening
    $95
    Bank of America® Travel Rewards credit card
    • 1.5x points on every purchase
    • 25,000 points if you spend $1,000 in first 90 days
    $0
    Bank of America® Travel Rewards Credit Card for Students
    • 1.5x points on every purchase
    • 25,000 points if you spend $1,000 in first 90 days
    $0

    How to choose an international travel card

    When choosing a card for international travel, you’ll want to look for rewards and benefits that match your travel plans and preferences. Most importantly, you need a card that you can use where you’re planning to travel. Here are the key features to consider:

    • Global acceptance – Visa and Mastercard are most likely to be accepted around the globe, though American Express is also widely accepted in some parts of the world. Make sure you select a card that will be accepted where you travel the most.
    • No foreign transaction fees – Choosing a credit card that doesn’t charge foreign transaction fees will save you from paying an additional 3% or more on purchases you make abroad.
    • Chip and PIN technology – Chip and PIN technology is immensely helpful when you travel abroad, but not all travel credit cards offer this perk. See which cards have chip and PIN technology before you choose a card.
    • Good exchange rates – One big benefit of using a credit card with no foreign transaction fees is that the currency you pay with will be converted to your home currency with no fees required on your part. Mastercard typically offers slightly better rates than its competitors.
    • Earning categories – The best credit cards for international travel tend to offer bonuses on certain categories of spend. Search for cards with category bonuses that match your spending patterns.
    • Good redemption options – The top cards in this realm let you redeem for travel directly or transfer points to airline and hotel partners at a good value (1 cent per point or mile is standard). The more options you have and the more value you get on your points and miles, the better off you’ll be.
    • Travel insurance benefits – The best travel credit cards offer free travel insurance like trip cancellation/interruption coverage, auto rental coverage, lost baggage insurance, baggage delay coverage and travel accident insurance.
    • Airport lounge access – Look for cards that let you enter a range of airport lounges at airports around the globe, but specifically in destinations you travel to often.
    • Global Entry/TSA Precheck – Also look for credit cards that offer a Global Entry or TSA Precheck credit. Both these benefits let you enjoy expedited airport security, saving you time and stress when you travel.
    • Hotel or airline preferences – If you travel frequently with certain hotels or airlines, you’ll find that certain cards are a better fit for you. On the other hand, if you aren’t loyal to any hotel or airline program, you may be better off with a more flexible travel card.
    • Origin or destination of travel – Make sure the card’s rewards and benefits fit with your travel plans. For instance, some cards may offer better lounge options along your route, or you may find that certain rewards cards don’t offer good redemption options where you’re planning to travel.
    • Customer service – Having a card with excellent customer service could come in handy in case of an emergency. According to J.D. Power’s 2020 U.S. Credit Card Satisfaction Study, American Express and Discover received the highest marks for customer service satisfaction last year, followed by Bank of America.

    Tips for using credit cards while traveling internationally

    • Notify your card issuer that you will be out of the country to reduce the chance of having your account frozen at an inconvenient time.
    • Bring multiple credit cards (preferably from different payment networks) in case a merchant doesn’t accept your main card, or your card gets declined.
    • Rotate your cards to get better rewards on certain purchases.
    • Have plenty of cash on hand for situations where you can’t use your credit cards.
    • If you are traveling to a country with chip and PIN cards, see if your issuer will allow you to add a PIN to your card.
    • Have your card information and your issuer’s emergency card services phone number on hand in case your card gets lost or stolen.
    • Opt to put your charges in the local currency to avoid paying more for the currency conversion.
    • Use your credit cards instead of cash where you can – as long as you are charging in the foreign currency, you can get a better exchange rate.
    • Avoid using your cards for cash advances, unless it’s an absolute emergency.
    • Use your credit card instead of a debit card to make purchases – not only can you avoid foreign transaction fees, but your purchases are more secure.

    Bottom line

    Picking a credit card for foreign travel can be an especially complicated choice. While you may have your eye out for a card with a large sign-up bonus and lots of points, you should have some travel goals in mind before you choose a card. If you know where and how you intend to travel, you’re more likely to find a card that can take you far in your journeys.

    All information about the Chase Sapphire Preferred Card and the Bank of America Travel Rewards Card for Students has been collected independently by CreditCards.com and has not been reviewed by the issuer. This offer is no longer available on our site.

    Source: creditcards.com

    Online Banking Vs. Traditional Banking – Which Is Better For You?

    When deciding between traditional and online banks, it helps to know the pros and cons of each, including price, service, and available options. Find out which type of bank account is best for you.

    Source: moneyunder30.com

    Can you send money with a credit card?

    Sending cash to friends and family? Before you reach for that credit card, grab a calculator. It’s time to do a little math.

    With most everything you purchase online or through apps, credit cards have the edge. With plastic, you have chargeback rights. If you’re overcharged or receive the wrong item, broken merchandise or nothing at all, your card issuer will make it right. And if you use a rewards card, you collect points or miles, too. Win-win.

    But it’s different story when you’re sending money through peer-to-peer platforms. Many of them (like Google Pay, Popmoney and Zelle), don’t allow consumers to use a credit card to send cash.

    Others (like Cash App, PayPal and Venmo), allow credit cards but also charge a fee for the privilege – often about 3%.

    See related: How to choose a P2P payment service

    The hidden costs of using credit cards to send money

    Choose a credit card to send money and you might also end up paying additional fees to your card issuer. That’s because the combination of some peer-to-peer apps with certain cards are coded as cash advances, rather than purchases.

    For many cards, that cash advance code triggers a higher interest rate that kicks in the moment you make the transaction, as well as a separate cash advance fee that’s often $10 or 5% of the transaction – whichever is higher. (Currently, the average interest rate for cash advances is 24.8%, while the average APR for purchases is 16.05%.)

    So the combination of peer-to-peer service fees, credit card cash advance fees and that higher interest rate (with no grace period) could make sending a few hundred dollars a bit more costly than you’d planned.

    No chargeback rights with credit cards

    The real kicker: Unlike other venues, you don’t have chargeback rights when you use credit cards to make peer-to-peer money transfers.

    When you present your credit card in an online or brick-and-mortar store, there’s a merchant involved – and the law provides chargeback rights for your protection in case you don’t get what you were promised in the deal. But in a peer-to-peer money transfer, there’s no merchant, so currently the laws don’t give consumers any chargeback rights, says Christina Tetreault, manager of financial policy for Consumer Reports.

    “The chargeback right requires a merchant,” says Tetreault. “One of the hoops a consumer has to jump through is to try and work it out with the merchant.”

    If you use a peer-to-peer service and send the wrong amount or send the money to the wrong person, most platforms advise that the only way to get it back is to contact the recipient and ask them to return it. And that’s often the same whether you use a credit card, debit card, bank account or funded account on the platform.

    “Be doubly sure when you’re sending the money that you’re putting in the correct information,” says John Breyault, vice president of public policy, telecommunications and fraud for the National Consumers League. “It’s still a buyer beware world when it comes to peer-to-peer.”

    The solution

    If you’re sending money and want to use a credit card, it pays to do a little sleuthing first. Check out the peer-to-peer site. Does it allow users to send money with a credit card? If so what, if any, fees does it charge?

    On some platforms (PayPal is one), you could see similar fees for using a debit card – while sending from a bank account or funded account on the platform is free.

    The good news is that many peer-to-peer platforms clearly disclose it when there’s an extra charge to use a credit card, says Tetreault. With Venmo, for example, you’ll get a pop-up message.

    Harder to decipher: Will credit card transactions on the platform be treated as a cash advance? If your preferred platform doesn’t post this information, you might need to contact customer service. (And how quickly and easily you get an answer can tell you a lot, too.)

    Ask your card issuer the same question: Are peer-to-peer money transfers on the platform you’ve chosen treated as a cash advance? If they are, what’s the interest rate, and what’s the cash advance fee?

    “What I would suggest is to ask that question, via email, of your financial institution,” says Tetreault. “It may be in their FAQs. And you want to save that email. If you have it in writing, if there’s an issue later, you’re better positioned to contest that fee.”

    But “the hard truth is you may not be able to find out ahead of time,” she says.

    Another solution: Opt to use a credit card issued by a credit union.

    “With credit unions, the APR is usually the same” for purchases and cash advances, says John Bratsakis, president and CEO of the Maryland and District of Columbia Credit Union Association.

    Likewise, with American Express cards you pay your regular interest rate and no cash advance fees on peer-to-peer transfers, says Elizabeth Crosta, vice president of public affairs for American Express.

    And credit cards from U.S. Bank register peer-to-peer money transfers as regular purchases – with no cash advance fees or cash advance APRs, says Rick Rothacker, spokesperson for the bank.

    See related: How do credit card APRs work?

    What’s your reason for using a credit card?

    Take a good look at the reason you’re using a credit card, too. If you want chargeback rights, that’s not an option. If you’re doing it for the rewards, will the value of those points or miles be eaten up by extra fees or a higher interest rate you have to pay to use the card?

    And if you’re using a card because you don’t have the cash, that might be a good reason to rethink the idea of sending money in the first place.

    That’s a huge red flag, says Bruce McClary, vice president of public relations at the National Foundation for Credit Counseling.

    “The need to convert credit into cash is what really gets my attention – because that hints at a lack of savings,” he said. “It’s a reality a lot of people are facing, especially now.”

    Cash advances aren’t as expensive or risky as payday loans and car title loans, but they should be among your last resorts. If you’re looking for short-term relief, you could ask your credit card issuer for help, or find out if you qualify for a personal loan. You could also borrow from a family member or trusted friend, but be wary of the potential relationship toll if you can’t pay them back.

    Getting cash from credit cards

    Fifty-two percent of Americans report that the pandemic has damaged their finances, according to a recent survey by the NFCC. More than a fifth of those had to tap savings for everyday expenses, while 16% increased their credit card spending.

    And that’s a sign of financial stress, says McClary. “It means that, in some situations, they have run out of savings.”

    There are ways you can use your card to get cash, though.

    Cashing in rewards

    Some rewards cards from issuers such as Chase, Bank of America and US Bank let you deposit cash-back rewards directly to your bank account.

    And Wells Fargo also will let you deposit its Go Far Rewards directly into another Wells Fargo customer’s account, says Sarah DuBois, spokesperson for the bank.

    Gift cards

    Many credit cards let you convert rewards into retail gift cards. So a pile of points can help a friend or family member buy much-needed groceries or a few holiday presents.

    Or simply “buy a gift card for someone,” says Bratsakis.

    Retailer-specific gift cards and gift cards issued through local and regional retail associations and malls often come with no fees – meaning every dollar you spend goes toward your gift.

    Convenience checks

    While you can get a cash advance or use convenience checks from your card issuer, both those options often come with fees and higher interest rates. Not a smart money move, especially in the current economy.

    While some lenders may offer convenience checks with deferred interest, that’s not the same as “no interest,” says Bratsakis. Also, if you don’t pay the loan in full, will you owe the full interest retroactively?

    “That’s where consumers have to be careful,” he says. With a convenience check or even a cash advance, “that’s usually where consumers can get themselves into trouble if they can’t pay it off and get hit with deferred interest.”

    See related: What is deferred interest?

    Bottom line

    When it comes to peer-to-peer payments, cash really is king. You can then put it into a funded account with the money transfer platform or your bank account. And most peer-to-peer platforms let you do this for free.

    “The safest way to use these services is to send money person-to-person and be diligent about getting all the details correct so it doesn’t go to the wrong person,” says Tetreault.

    Only send to people you trust and know in real life, she says. “And before sending money make sure you understand what, if any, fees you might incur.”

    Source: creditcards.com

    Purpose Of Hospital

    Contents

    1. Blue shield members
    2. Husel ordered potentially
    3. Care institution providing patient treatment
    4. Cancer survival rate

    Thanks For The Follow Twitter Search For Doctor “What we are hoping to find is there is a return on investment for the health … official called the Giant pharmacy to … Search for Doctors, Hospitals and Dentists Blue Cross blue shield members can search for doctors, hospitals and dentists:. In the United States, Puerto Rico and U.S. Virgin Islands.

    One Team One Purpose - Hospital Food Service "Was it his purpose to take the life of another … to patients who received excessive doses have been removed from patient care as a precaution. The hospital system found husel ordered potentially

    It can have any type of purpose. Charities are generally non profit organizations that have the purpose of helping human beings in one way or the other. A charity can run a hospital, a soup …

    The function of a hospital is to provide surgical and medical care to the sick or disabled, according to Dictionary.com. About.com also notes that the role of a hospital is to deliver babies when needed on behalf of families.

    "For a while," he conceded, "we didn’t know what our identity and purpose would be. We’re excited about this evolution." …

    A hospital is a health care institution providing patient treatment with specialized medical and nursing staff and medical equipment. The best-known type of hospital is the general hospital, which typically has an emergency department to treat urgent health

    Its purpose is clear: Finding cures … cancer survival rate from 20 percent to more than 80 percent since the hospital opened more than 50 years ago. St. Jude won’t stop until no child dies …

    Marketing To Baby Boomers However, with bond yields moving higher and more experts suggesting the secular bull market in bonds is over, it’s time baby boomers nearing retirement reconsider how much they de-risk their … Websites For Doctor The doctors don’t wear their uniforms in public because people … Ebola experts from North Kivu last year after an armed

    The Purpose of the Community Hospital * Frederick D. Stubbs * Address delivered at the Annual Meeting of the Booker T. Washington Community Hospitals Association, Newark, N. J., May, 1944.

    about what to expect in the coming hours in the hospital. It’s not real but everyone takes their role seriously, and with …

    An emergency department (ED), also known as an accident & emergency department (A&E), emergency room (ER), emergency ward (EW) or casualty department, is a medical treatment facility specializing in emergency medicine, the acute care of patients who present without prior appointment; either by their own means or by that of an ambulance.The emergency department is usually found in a hospital or …

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