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Delta Sky Club locationsWithin the U.S., there are more than 50 Delta Sky Club locations in 35 airports, with a new outpost scheduled to open at Kansas City International Airport (MCI) in 2023. Outside the U.S., there is just one Delta Sky Club lounge at Tokyo Haneda International Airport (HND). Upcoming changes to Sky Club access policy Starting Jan. 1, 2023, Delta Sky Club memberships will only be available for purchase if you have Delta Silver Medallion elite status or higher. While existing Delta Sky Club memberships may be renewed — regardless of elite status — through the end of 2022, next year you'll need to have elite status with the airline in order to renew your Delta Sky Club membership. Cards that offer Delta lounge access With the recently announced changes, the value of the few cards that come with Delta Sky Club access has increased tremendously.

Chase Ultimate Rewards® points are one of the highest regarded rewards currencies in the world of points and miles. Cards that earn Ultimate Rewards pointsBefore jumping in, let's start with a rundown of credit cards that earn transferrable Chase Ultimate Rewards® points:Chase Sapphire Preferred® Card Learn More On Chase’s secure site Rewards $50 annual Ultimate Rewards Hotel Credit, 5X points on travel purchased through Chase Ultimate Rewards®, 3X points on dining, 2X points on all other travel purchases, and 1X points on all other purchasesWelcome bonus Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards®. Transferring Chase Ultimate Rewards points to Marriott with a 40% bonusAt the time, I hardly had any Marriott points to my name. Bottom lineMarriott Bonvoy probably isn't the first transfer partner for which folks collect Chase Ultimate Rewards points.

When the Fed increases the interest rate, or the federal funds rate, it alters the interest rate on interbank lending. Now, the Fed's target interest rate range is around 4%, up from near-zero interest rates during the pandemic. High-yield savings accounts differ from traditional savings accounts because they offer significantly higher interest rates. Meanwhile, the high-yield savings accounts with the highest APYs have rates that are 18 times higher than the average APY on traditional accounts. Select ranked LendingClub High-Yield Savings and UFB High Rate Savings as some of the best high-yield savings accounts.

Best credit cards for seniors and retireesSubscribe to the Select Newsletter! How to redeem rewards: Points can be redeemed for cash back or gift cards at a rate of 1 cent per point. How to redeem rewards: Points can be redeemed at a rate of 1 cent per point toward travel, statement credits, gift cards or merchandise through the Rewards Center. Other great perks: Perks include special benefits through Silvercar Car Rental and the Luxury Hotel Collection, 24-hour service via the Visa Signature® Concierge, lost luggage reimbursement and exclusive access to fine dining and entertainment experiences. Find the best credit card for you by reviewing offers in our credit card marketplace or get personalized offers via CardMatch™.

If you use third-party payment platforms, like PayPal, Venmo or Cash App, to collect payments for your side gig or business, the Internal Revenue Service (IRS) wants to remind you to report payments of at least $600. Before 2022, third-party transactions for business owners and side hustlers followed different thresholds: individuals needed to report gross payments exceeding $20,000 and report earnings if they had more than 200 such transactions, according to the IRS. According to the IRS, you should receive this form from each third-party payment platform you received transactions through. If you need to hire a professional, consider using a business credit card, like the Ink Business Unlimited® Credit Card or the American Express Blue Business Cash Card, so you can get rewarded for the business expense. The Ink Business card lets you earn 1.5% cash back on all business-related expenses and the Blue Business Cash card gives you 2% cash back on eligible business purchases.

Thankfully, there are a few ways to get around those extra fees, with more airlines offering passengers access to free Wi-Fi than ever before. Hawaiian Airlines is also planning to launch free in-flight Wi-Fi in 2023 thanks to its partnership with SpaceX's SkyLink. American Airlines also seems to be testing out free Wi-Fi on many of its aircraft that are equipped with Viasat — as part of an ongoing trial, passengers who opt to watch a sponsored video can access 30 minutes of Wi-Fi free of charge. Some international carriers offer free Wi-Fi, but with certain stipulations. Then, choose the airline's Wi-Fi network and login on the Wi-Fi homepage using your T-Mobile or Sprint phone number.

A checking account and a savings account are two basic, but very important, accounts for managing money. This is why high-yield savings accounts are generally recommended as a vehicle for keeping savings, including your emergency fund. Some checking accounts, like the Ally Interest Checking Account or the Capital One 360 Checking® accounts do offer slightly higher interest rates compared to traditional checking accounts, but the interest is still lower than what high-yield savings accounts offer. How much money should you keep in a high-yield savings account? Of course, you'll want to also consider your stage of life and your needs when determining how much money to keep in a high-yield savings account.

In the past two months, student loan forgiveness has been the target of two high-profile lawsuits. Meanwhile, the Biden administration responded by extending the student loan payment pause yet again. What's happening to student loan forgiveness? Since the status of student loan forgiveness remains in the air, the Biden administration has extended the student loan payment pause until the Supreme Court makes a ruling. Select ranked SoFi Student Loan Refinancing and Earnest Student Loan Refinancing as some of the best companies for refinancing student loans.

As the national presenting partner for Swift's tour, Capital One is offering credit and debit cardholders access to exclusive presale tickets. Fortunately, there is a legitimate way to score presale tickets . Tickets to Taylor Swift's The Eras Tour officially go on sale in just a few days, on Friday, Nov. 18. Here's how to get access to presale tickets to Taylor Swift's Eras Tour through Capital One:Visit the ticketing website during the presale period and use the first six digits of your Capital One card number (your promo code) to gain entry to the Capital One Cardholder Presale. Outside of Taylor Swift presale tickets, Capital One offers a number of other benefits for cardholders geared toward exclusive events and experiences, as well as robust travel benefits.

And the stock market isn't the only aspect of the economy that's hurting soon-to-be retirees. Saving for retirement 101Most people have three primary sources of income in retirement: personal retirement accounts (401(k)s and IRAs), pensions and Social Security. In retirement, the individual would withdraw no more than 4% of their retirement portfolio annually, while adjusting for inflation. If you've been maintaining a diversified retirement portfolio with 60% allocated towards stocks and 40% towards bonds, you've probably noticed both asset classes taking big hits. But of course, if the market hasn't bottomed yet, you're taking a risk.

A few weeks ago, Chase launched new welcome bonuses for two of its Ink Business Credit Cards, and it's their largest sign-up offers yet. Eligible new card members of the Ink Business Cash® Credit Card and Ink Business Unlimited® Credit Card can now earn $900 bonus cashback after spending $6,000 in the first three months. Ink Business Cash and Unlimited welcome bonusThe two Chase Ink Business Credit Cards offering elevated welcome bonuses are the Ink Business Cash® Credit Card and the Ink Business Unlimited® Credit Card. Who’s eligible to earn the Ink Business Cash and Unlimited card welcome bonuses? Ink Business Cash and Unlimited benefits and rewardsChase Ink Business Cash vs.

Of course, this still isn't enough to earn you life-changing money, but an untouched savings balance has still increased this year. But you should only invest money that you don't expect to need in the next three to five years." Of course, before you begin to invest, you'll want to make sure you have a fully funded emergency savings account. Experts typically recommend having three to six months' worth of savings stashed away in a high-yield savings account. On the other hand, if your goal is to just build wealth it probably makes sense to invest more money than you save.

Below, Select shares some tips to help students financially prepare to study abroad so they can make the most of their experience in a new country. Ask your family if studying abroad seems financially reasonable to themStudying abroad can wind up being an enormous expense. The University of Louisville estimates that, on average, the cost of a semester-long study abroad program can range from $7,000 to $15,000 per student. Your school's study abroad coordinator will be able to break it all down for you and help you select the option that's best for your financial and academic goals. Plus, credit card rewards are most valuable when you pay off your balance each month to avoid accruing interest charges.

For the millions of Americans who have a subprime credit score or no credit score at all, being credit invisible or having a bad credit score can mean limited access to loans, credit cards and higher interest rates. Experian recently announced it will also be counting monthly rent payments towards building consumers' credit scores. Experian Boost now includes your rent paymentsExperian Boost is a free service that launched in 2019 and works by collecting positive information about your on-time monthly payments for bills such as utilities, certain subscription services — and now, rent — to help raise your credit score. Those with lower credit scores or limited credit histories also experienced increases in their scores by using the product. Not all lenders use Experian credit files, and not all lenders use scores impacted by Experian Boost.

Subversive Capital filed a Form N-1A on Sept. 15 to establish two ETFs that will follow exactly how Democrat and Republican members of Congress are trading. Subversive Capital is working with Unusual Whales — a retail trading tool for individual stocks, options and crypto — to provide data for the ETFs. Recently, the subject of congressional members trading stocks has raised questions regarding the potential for insider trading and conflicts of interest, leading to the introduction of legislation that would restrict those in Congress from being able to buy and sell individual stocks. Here's what you need to know about the political implications of Congressional stock trading and the new ETFs that are being created to track it. It's also unclear what will happen to the two new ETFs if the congressional stock trading ban does eventually pass.

When interest rates rise , bond prices go down in value. A bond's duration is the measure of its price sensitivity in relation to a change in interest rates. Before we get into it though, I need to provide some context about interest rates and how they correspond to bonds. With interest rates on the rise, bonds will pay higher coupons. Energy and materials have also done well due to the increase in prices (inflation) that comes along with rising interest rates.

How you can start buying stocks today401(k) or IRA A common method for everyday investors to put aside their money is by using either a 401(k) or an individual retirement account (IRA). Fidelity Investments Learn More Minimum deposit and balance Minimum deposit and balance requirements may vary depending on the investment vehicle selected. Vanguard Learn More Minimum deposit and balance Minimum deposit and balance requirements may vary depending on the investment vehicle selected. For example, Betterment doesn't require clients to maintain a minimum investment account balance, but there is a ACH deposit minimum of $10. Wealthfront Learn More On Wealthfront's secure site Minimum deposit and balance Minimum deposit and balance requirements may vary depending on the investment vehicle selected.

As someone who is in their 20s, I know how hard it can be to start saving for retirement. To make the process less intimidating, start small when saving for retirement and slowly increase your savings rate over time. Fidelity Investments Learn More Minimum deposit and balance Minimum deposit and balance requirements may vary depending on the investment vehicle selected. No minimum to open a Fidelity Go account, but minimum $10 balance for robo-advisor to start investing. Betterment Learn More Minimum deposit and balance Minimum deposit and balance requirements may vary depending on the investment vehicle selected.

Keep in mind that spending money based on your values can look different for everyone. "Spending money on things you don't care about might mean you will miss out on opportunities and experiences to invest in the things that truly matter to you," Monell explains. Below, Select shares some of Monell's best tips for making sure you're spending money with your personal values in mind. For instance, if being with family brings you the most joy, the amount you're spending on family activities might be higher than what you're spending in other areas such as shopping or self-care. Personally, when I lived at home with my parents, I got the most joy out of spending money to travel and dine with friends.

How much you should save every paycheckThe standard rule of thumb is to save 20% from every paycheck. "The point with both these methods is that saving 20% is still a priority," Anderson says. At the end of the day, the goal really is to just make sure you're saving some portion of your paycheck — even just $20. On the other hand, Barros notes, if you're saving for retirement and you're in your 20s, you can get away with saving between 10% to 15% of every paycheck if you want to retire by age 60. While saving 20% of every paycheck is a pretty standard rule, use the guidelines we outlined above to help you determine what's best for your personal financial circumstances.

Compared to actively managed funds, target-date funds also have lower management costs, better known as expense ratios. Cons of target-date fundsOn the flip side, target-date funds come with some cons as well, one being that they are modeled assuming a one-size-fits-all approach. Vanguard Learn More Minimum deposit and balance Minimum deposit and balance requirements may vary depending on the investment vehicle selected. Betterment Learn More Minimum deposit and balance Minimum deposit and balance requirements may vary depending on the investment vehicle selected. Wealthfront Learn More On Wealthfront's secure site Minimum deposit and balance Minimum deposit and balance requirements may vary depending on the investment vehicle selected.

Below, Select takes a closer look at four of the best mortgage lenders that don't charge origination fees (see our methodology below). Ally Bank doesn't charge application fees, origination fees, processing fees or underwriting fees — the lender may, however, charge appraisal fees and recording fees, as well as for title searches and insurance. PenFed offers a variety of mortgages with no lender fees, including no origination fees, though other types of fees may apply. Fees: Common fees associated with mortgage applications include origination fees, application fees, underwriting fees, processing fees and administrative fees. Common fees associated with mortgage applications include origination fees, application fees, underwriting fees, processing fees and administrative fees.

Brick-and-mortar banks allow you to deposit and withdraw money by visiting a teller inside a branch or via a drive-up window or ATM machine. However, brick-and-mortar banks typically charge customers higher fees than online-only banks since they have to recoup overhead costs to keep physical branches up and running. That said, there are still competitive brick-and-mortar banks that offer checking accounts with options to waive monthly fees if you meet certain requirements. To make your search easier, Select evaluated dozens of checking accounts offered by brick-and-mortar banks with broad availability, offering access to at least 2,000 physical branches and over 4,000 fee-free ATMs in the U.S. We considered features like fees, minimum balance requirements and ease of use, among other factors to choose the top five best brick-and-mortar checking accounts that let you bank in-person. (See our methodology for more information on how we choose the best checking accounts.)

Like Wells Fargo, Chase offers two brick-and-mortar savings accounts: the standard Chase Savings℠ and the Chase Premier Savings℠. If you want a simple, no-frills and low cost savings account at a brick-and-mortar bank, U.S. Bank's Standard Savings Account is for you. The three choices include Virtual Wallet, Virtual Wallet with Performance Spend and Virtual Wallet with Performance Select. Spend is your everyday checking account, Reserve your interest-bearing checking account / primary overdraft protection account and Growth is your long-term savings account / secondary overdraft protection account. Any return on your savings depends on the associated fees and the balance you have in your brick-and-mortar savings account.

Credit monitoring services can provide you with early notice of potential fraud on your credit report, so you can take steps to protect your personal information. Below, Select reviews the top six credit monitoring services that can help you keep track of your credit and get alerts on potential fraud. Best free credit monitoring servicesBest paid credit monitoring servicesBest free credit monitoring servicesIf you're not willing to pay money for a credit monitoring service, you can consider one of these free options. Best paid credit monitoring servicesIf you want a more comprehensive credit monitoring plan, consider one of the paid plans below. If you want daily triple-bureau credit monitoring and monthly credit score and credit report tracking, you should opt for the mid-tier PrivacyGuard® Credit Protection, which costs $19.99 per month.

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