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☆ On tap this week: Jobs report plus 10 key earnings. Here's what we want to see
▼ + stars: | 2023-07-29 | by ( Zev Fima | ) www.cnbc.com time to read: +18 min

All three major averages advanced for the week, powered by strong mega-cap earnings and favorable inflation data. Looking to next week, earnings season enters its second half with the last of our mega-caps — Apple (AAPL) and Amazon (AMZN) — set to report on Thursday. We'll get a better read on the employment picture on Wednesday with the ADP report and then, more importantly, on Friday's nonfarm payrolls report for July. Thursday after the close brings us to the main events of the week: Earnings from Apple and Amazon. For those looking to review first quarter performance ahead of these releases, be sure to keep our first-quarter earnings report card handy.

Persons: We'll, that's, Stanley Black, Decker, Emerson, Bausch, Leggett, Platt, SIRI, Ares, COLM, PERI, Kraft Heinz, Phillips, Ferrari N.V, Johnson, Robinson, COOK, BUD, Kellogg, Papa, Pitney Bowes, Parker, Trimble, Ziff Davis, Nonfarm, Jim Cramer's, Jim Cramer, Jim, Apple Tim Cook, Kevin Dietsch Organizations: Nasdaq, Dow, Federal Reserve, Federal, ISM Manufacturing, Services PMI, Investors, Caterpillar, Devices, Starbucks, Natural Resources, AMD, Management, Emerson Electric and, Humana, Bausch Health, Apple, Microsoft, Resource Partners, AerCap Holdings, CNA Financial Corp, CNA, Apellis Pharmaceuticals, Bank, SJW, Hutchison China MediTech, Camtek Ltd, Silvercrest Asset Management, Loews Corp, Oxford Lane Capital Corp, Banco Santander, Silicom Ltd, SuperCom Ltd, Arista Networks, Avis Budget Group, Diamondback Energy, Lattice Semiconductor Corp, Republic Services, Yum China Holdings, Western Digital Corp, Power Systems, Tenet Healthcare Corp, Vornado Realty, BioMarin Pharmaceutical, PetMed, SBA Communications Corporation, Brixmor, Snack Foods Corp, Cushman & Wakefield, Sanmina Corporation, TFI, PMI, Cruise Line Holdings Ltd, Uber Technologies, Pfizer, Enterprise Products Partners, Merck, JetBlue Airways Corporation, Allegro MicroSystems, Altria, SunPower Corp, SiriusXM Holdings, Molson Coors Beverage, Marriott International, Toyota Motor Corp, BP, SYSCO Corp, Marathon Petroleum Corp, Ares Management, Equitrans Midstream Corporation, Game Technology, Illinois Tool, IDEXX Laboratories, Rockwell Automation, Packaging International Corp, Gartner, Zebra Technologies Corp, IQVIA Holdings, Oshkosh Corporation, Leidos Holdings, Eaton Corp, yte Corp, Lear Corp, Starbucks Corp, Devon Energy Corp, SolarEdge Technologies, Lumen Technologies, Virgin Galactic Holdings, Caesars Entertainment, VF Corp, Sciences Corp, Paycom, Vertex Pharmaceuticals, Suncor Energy, Holdings, Chesapeake Energy Corp, Boston Properties, American International Group, AIG, Allstate Corp, Aspen Technology, Electronic Arts, EA, Flowserve Corporation, Denny's, Corp, Prudential Financial, Store, Ternium S.A, Vimeo, Emerson, Lomb, CVS Health, Generac Holdings, Cameco Corp, Perion Network Ltd, Builders, Carlyle Group, Scorpio, Teva Pharmaceutical Industries, Ltd, Rithm Capital Corp, AeroSystems Holdings, Vertiv Holdings Co, Johnson Controls, CDW Corp, DuPont, Brands Holdings, Scotts Miracle, Gro, SMG, Brands, Allegheny Technologies, AmerisourceBergen Corporation, ABC, Real Estate Corporation, Adient plc, Editas, Garmin Ltd, WWE, Bunge Ltd, Criteo S.A, PayPal, QUALCOMM, Occidental Petroleum Corp, Apache Corp, Albemarle Corp, MGM Resorts International, MGM, Marathon Oil Corp, Joby Aviation, Industrial, CF Industries Holdings, Goodyear Tire &, Realty ome Corp, Metlife, Pacific Biosciences of, Rush Street Interactive, Zillow, JFrog Ltd, Herbalife Nutrition Ltd, Simon Property Group, McKesson Corp, Storage, Cerus Corporation, GXO Logistics, MAX Holdings, Health, Anheuser, Busch InBev, Warner Bros ., Cheniere Energy, ConocoPhillips, Hasbro, CIGNA Corp, Lantheus Holdings, Regeneron Pharmaceuticals, Fiverr International, Air Products & Chemicals, TopBuild Corp, EPAM Systems, Lightspeed Commerce, Aurinia Pharmaceuticals, Cummins, CMI, Slair Corporation, Starwood Property Trust, Vulcan, Alnylam Pharmaceuticals, New Energy Corp, Cedar Fair Entertainment, Intellia Therapeutics, Lending, Privia Health, Dickinson, Chimera Investment, CIM, Hyatt Hotels Corp, Lion Electric, LEV, Deluxe Corp, Murphy Oil Corp, PBF Energy, Papa John's, Targa Resources Corp, Wix.com Ltd, Apollo Global Management, LLC, Butterfly, Sempra Energy, Aptiv PLC, Brookfield Infrastructure Partners, Canada Goose Holdings, Hannifin Corporation, WESCO International, WCC, Arrow Electronics, Constellation Energy Group, Midstream Partners, Coinbase, Petroleo Brasileiro SA Petrobras, Gilead Sciences, Opendoor Technologies, Booking Holdings, Atlassian Corporation, International, Redfin Corporation, Motorola Solutions, Monster Beverage Corporation, Consolidated Edison, Rocket Companies, Apple Hospitality, Cirrus, Resources, Universal Display Corporation, Chesapeake Utilities Corp, Social, Defense, Security Solutions, Post Holdings, Tandem Diabetes Care, Nikola Corporation, Magna International, Dominion Energy, ACM Research, Frontier Communications, Brookfield Renewable Partners, inTEST Corporation, American Pipeline, TELUS International, XPO Logistics, Fluor Corp, Gray Television, Cboe, LyondellBasell Industries, Twist Bioscience, Global, Jim Cramer's Charitable, CNBC, Allen & Company Sun Valley, Getty Locations: U.S, China, India, Oxford, Chile, Illinois, Columbia, Pacific, Pacific Biosciences of California, Southern, PBI, Gilead, Sun Valley , Idaho

☆ 3 places people say they never tip amid 'tipflation': ‘It’s out of control’
▼ + stars: | 2023-07-27 | by ( Morgan Smith | ) www.cnbc.com time to read: +3 min

Many also feel added pressure to tip amid the rise of automatic tipping prompts on self-service kiosks and apps, NerdWallet's consumer budgeting report found. Amid the "tipflation" debate, where are consumers tipping the least, or skipping gratuity altogether? To find out, CNBC Make It asked three New Yorkers which services they never tip on — and what etiquette experts recommend in each scenario. If it's fast food or you're grabbing a pre-packaged item from a shelf, Farley says you don't need to tip. An etiquette expert's take: When you're paying for a taxi or rideshare, you're paying the price of convenience, and your tip should reflect that, says Farley.

Persons: Saad Kabir, Thomas Farley, Mister Manners, Farley, Haley Truchan Organizations: CNBC, New York City Public Schools Locations: U.S, New York, Manhattan

☆ YOUR MONEY How to get high rates to work for you
▼ + stars: | 2023-07-17 | by ( Chris Taylor | ) www.reuters.com time to read: +4 min

July 17 (Reuters) - There is no doubt that higher interest rates are hard on a many people – especially if you are taking out a loan on a home or a car, or are struggling to catch up with credit-card debt. But for some, steep interest rates are not actually bad news. In fact, 38% of people say they have benefited from higher interest rates during the past year, according to a new survey from Allianz Life Insurance. “That’s the dichotomy: Higher interest rates are both crushing some people and benefiting others at the same time,” says Kelly LaVigne, vice president of Consumer Insights for Allianz Life. That means if you have some savings set aside, it is time to think about how to flip this negative of higher interest rates into a positive.

Persons: “, ”, Kelly LaVigne, Amy Arnott, Morningstar, Arnott, Rowe, Baird, Jeremy Keil, Keil, George Gagliardi, Lauren Young, Aurora Ellis Organizations: Allianz Life Insurance, Consumer, Allianz Life, U.S . Federal Reserve, Morningstar, FDIC, Bills, CIT Bank, BMO Alto, Citizens, Financial, Thomson Locations: New Berlin , Wisconsin, Toronto, Lexington , Massachusetts

☆ Here's the salary Americans say they need to feel financially secure
▼ + stars: | 2023-07-09 | by ( Kamaron Mcnair | In Kamaronmcnair | ) www.cnbc.com time to read: +3 min

To feel comfortable or financially secure, Americans need a salary of roughly $233,000 a year on average, Bankrate found. Although 1 in 3 Americans say low pay is the reason they don't feel secure, other factors are adding to the anxiety. Why Americans don't feel financially secureThe biggest contributors to Americans' financial insecurities may be things outside of their control. Other factors include the economic environment, which 48% of survey respondents cited, and rising interest rates, cited by 36% of respondents. As for retirement savings, 60% of Americans say they don't have a retirement-specific savings account, according to a recent NerdWallet survey.

Persons: Bankrate, Sarah Foster, Bankrate's, Foster, That's, wouldn't Organizations: Federal Locations: U.S

☆ Supreme Court block of Biden’s student loan forgiveness could cause college enrollment to fall, experts say
▼ + stars: | 2023-06-30 | by ( Jessica Dickler | ) www.cnbc.com time to read: +2 min

At four-year private colleges, it now costs $39,400, according to the College Board, which tracks trends in college pricing and student aid. Many students borrow to cover the tab, which has already propelled collective student loan debt in the U.S. past $1.7 trillion. The share of parents taking out federal parent PLUS loans to help cover the costs of their children's college education has also grown, NerdWallet found. High schoolers are also putting more emphasis on career training and post-college employment, a recent report by ECMC Group found. How to avoid taking on too much student debt

Persons: Sarah Foster, NerdWallet, Parker O'Neill Organizations: College Board, Bankrate.com, The Institute, College, National Center for Education Statistics, Century College, ECMC Group Locations: U.S, White Bear Lake , Minnesota

☆ Canceled, delayed flights are likely over July 4 holiday weekend. What to know about your rights
▼ + stars: | 2023-06-30 | by ( Greg Iacurci | ) www.cnbc.com time to read: +4 min

Over 2.8 million travelers are expected to pass through airport security checkpoints on Friday — a single-day record, according to the Transportation Security Administration. This comes as severe storms and staffing shortages have already derailed thousands of flights this week. Federal law doesn't require airlines to pay compensation to passengers for delays, Palmer said. The U.S. Department of Transportation's Airline Customer Service Dashboard outlines passenger rights for specific airlines. Even if a delay isn't their fault, many airlines will transfer your ticket to another airline's flight with available seats at no additional cost — if you ask, according to the U.S. PIRG Education Fund.

Persons: Andrew Bret Wallis, Pete Buttigieg, Kimberly Palmer, Palmer, Murray Organizations: DigitalVision, Transportation Security Administration, TSA, U.S, U.S . Department of Transportation's, PIRG

☆ How many credit cards should you have? The answer isn’t zero, say experts
▼ + stars: | 2023-06-24 | by ( Greg Iacurci | ) www.cnbc.com time to read: +4 min

Eighty-two percent of American adults had a credit card in 2022, according to the U.S. Federal Reserve. Benefits to having more than one credit cardHowever, there can be drawbacks to having just one credit card. In addition, having a second credit card, or more, can help build a person's credit utilization ratio, said Curtis, founder and CEO of Curtis Financial Planning. Credit utilization is an important determinant in one's credit score and having one that's too high can reduce your score. Having more than one card raises one's overall credit limit, and with responsible use, can reduce one's credit utilization ratio.

Persons: Jose Luis Pelaez, Ted Rossman, Strong, cardholders, Bruce McClary, McClary, Rossman, Cathy Curtis, Curtis, Xavier Lorenzo, Cardholders Organizations: Jose Luis Pelaez Inc, CreditCards.com, Consumer Federation of America, U.S . Federal, National Foundation, Credit, Mastercard, Curtis, Curtis Financial

☆ Here’s how Americans are booking their summer trips this year despite inflation
▼ + stars: | 2023-06-22 | by ( Ana Teresa Solá | ) www.cnbc.com time to read: +1 min

Americans are eager to travel this summer despite inflation-strapped budgets. The overall price of travel is up 16% from this time in 2019, according to the NerdWallet Travel Price Index. Car rental prices peaked in July 2021, according to NerdWallet, and have been consistently declining. Moreover, more than 60% of adults intend to travel for the July 4 weekend. International travel is particularly popular this summer, primarily due to pent-up demand, as this is the first summer without Covid-related travel restrictions, Berg said.

Persons: Hopper, Hayley Berg, Read, Berg Organizations: Finance, Amazon

☆ TikTokers are using this Google Flights trick to book cheap airfare — here’s how it works
▼ + stars: | 2023-06-16 | by ( Jasmin Suknanan | Jason Stauffer | ) www.cnbc.com time to read: +11 min

However, TikTokers recently found a way to lower some of those travel costs, particularly when it comes to booking flights. The Google Flights "trick" is simple, but does require some flexibility in terms of where and when you're willing to travel. Here's how the feature works: Step 1: Open up your browser and type in Google Flights. Some TikTokers who posted about this trick have shown themselves finding flights to Cancun for $270 and Las Vegas for $94. Consider booking a flight with a layover While direct flights are convenient, flights with a layover often cost less.

Persons: it's, there's, TikTokers, You'll, you'll, Chase, Airfares Organizations: NerdWallet's, Google, Labor, New, Las, Chase, American, American Express, CNBC, Card, Delta, U.S . Supermarkets, CNBC Select's, Facebook, Twitter Locations: New York, New York City, Atlanta, Toronto, Cancun, Las Vegas, U.S, Italy

☆ Americans push back against 'tip creep' — 'It's time to take a stand,' expert says
▼ + stars: | 2023-06-08 | by ( Jessica Dickler | ) www.cnbc.com time to read: +1 min

From self-service fast-food restaurant kiosks to smartphone delivery apps, there are more opportunities to tip for a wider range of services than ever before. But between the high cost of living and uncertain economy, cash-strapped consumers are starting to tip less — and resent tipping prompts even more. More from Personal Finance:Even as inflation rate subsides, prices may stay higherHere's the inflation breakdown for April 2023, in one chartWho does inflation hit hardest? Experts weigh in"Inflation and general economic unease seem to be making Americans stingier with their tipping habits, yet we're confronted with more invitations to tip than ever," said Ted Rossman, Bankrate's senior industry analyst. Many feel the pressure to tip has increased over the last year, NerdWallet's consumer budgeting report also found.

Persons: Ted Rossman Organizations: Finance

☆ 6 in 10 Americans aren't saving for retirement—here's where to get started
▼ + stars: | 2023-06-06 | by ( Ryan Ermey | ) www.cnbc.com time to read: +6 min

If you're among the cohort lacking a retirement account, just about every financial planner would tell you to get started as soon as possible. There are plenty of different ways to invest out there, including workplace retirement accounts, individual retirement accounts, accounts designed for medical expenses and regular old brokerage accounts. Still, there are some general guidelines that financial pros typically prescribe when it comes to where you park your retirement savings. Priority 3: Get triple tax savings with an HSANot every retirement saver can invest using a health savings account. Like a traditional 401(k), money you contribute to an HSA counts against your taxable income.

Persons: Christopher Lyman, Kevin Brady, Roth, you've, Amy Miller Organizations: Financial Advisors, Wealthspire Advisors Locations: Newtown , Pennsylvania, New York City, West Hartford , Connecticut

☆ Why it's not that great that everyone is flocking to their online bank
▼ + stars: | 2023-06-03 | by ( Josée Rose | ) www.businessinsider.com time to read: +3 min

Smaller and regional banks are important for the US financial system. "Regional banks have a combination of regional knowledge and expertise that makes lending more efficient," C. Michael Zabel, a former executive at M&T, the Buffalo-based regional bank, told Dealbook in April. Broadly, regional banks are staring down two main headwinds. In the first quarter, Ally Financial and Goldman Sach's Marcus online bank saw them rise, while regional-bank powerhouses like US Bank, Truist Financial, and Citizens Financial saw deposits fall, according to The Wall Street Journal. The pressure on regional banks hasn't abated yet.

Persons: Goldman Sachs's Marcus, Wells, Michael Zabel, Dealbook, They're, Goldman Sach's Marcus, they've, Bankrate's, we'll, Robert Hockett Organizations: Morning, Citibank, bonanza, Bank, Truist, Citizens, Wall Street, Silicon Valley Bank, First, JPMorgan, Western Alliance ., Federal Deposit Insurance Corp, Fed, Bloomberg, Cornell University, CNN Locations: JPMorgan, Wells Fargo, Buffalo, Silicon, First Republic, PacWest, they're, Wall, San Francisco

☆ Flyers are 'skiplagging' to try and save money on flight tickets. Airlines hate it.
▼ + stars: | 2023-05-26 | by ( Taylor Rains | ) www.businessinsider.com time to read: +5 min

This means booking a flight with a layover at the intended destination and skipping the second leg. The practice is sometimes cheaper than booking a regular nonstop flight, but airlines hate it. For example, Google Flights said a roundtrip flight from New York to Amsterdam in late June on the Dutch flag carrier KLM cost from $2,850. A price comparison of a flight from New York to Amsterdam and a multi-city trip from New York to London with a layover in Amsterdam. United Airlines and the travel website Orbitz sued Skiplagged CEO Aktarer Zaman in 2014.

☆ The homeowner basics of financing solar power for residential real estate
▼ + stars: | 2023-05-21 | by ( Cheryl Winokur Munk | ) www.cnbc.com time to read: +11 min

There are a host of complicated issues in the solar market, including some contentious politics. Last year, the growth of residential solar in the U.S. boomed. It won't repeat that in 2023, but will remain a large part of the solar market. Ohio, for example, has a state program that offers a reduced rate on a solar loan with certain lenders. GoodLeap (26% of the residential solar market) was No.

☆ Travel costs fell in April's inflation reading. The dip may be short-lived, experts warn
▼ + stars: | 2023-05-11 | by ( Greg Iacurci | ) www.cnbc.com time to read: +4 min

Typical trip costs increased by 9% in the first quarter of 2023, according to the NerdWallet Travel Price Index, which includes prices for flights, hotels, car rentals and dining out. When expressed in dollar terms, travelers would have paid an extra $180 per person for a $2,000 trip, NerdWallet found. "As has been the case ever since the onset of the pandemic, travel prices have been volatile," said Sally French, a travel expert at NerdWallet. "I think you're going to enjoy it a little bit more," Griscavage said of off-season travel to popular cities. Use your rewardsMany people built up frequent flier miles during the pandemic by using their credit cards that carry travel rewards benefits, Josephs said.

☆ Making these 5 moves can help you save big on the massive cost of college
▼ + stars: | 2023-05-04 | by ( Sharon Epperson | In Sharoneppersoncnbc | ) www.cnbc.com time to read: +7 min

As the mother of a college sophomore and high school senior, I know thinking about paying for college is daunting. Financial aid is determined by income information that is not necessarily up to date. If your circumstances are now different, that should be brought to the financial aid office's attention, he said. If you're concerned about making ends meet based on the financial aid award letter your child has already received, you can still ask for more aid. "So performing well throughout your high school career is not only important for admission but also for scholarship awards."

☆ A CFA says you could cost yourself six figures by investing in the wrong type of retirement fund — and explains how to maximize your returns
▼ + stars: | 2023-05-02 | by ( Laila Maidan | ) www.businessinsider.com time to read: +7 min

While most investors focus on finding the right asset allocation for their retirement fund, Baker believes that asset location, or the type of fund you're using, is just as important. Fund fees can eat into your retirement savingsAnother key detail many investors miss is the fees associated with certain retirement funds. "Unless you want to read a 60-page prospectus, it's very difficult to find out what all of these mutual funds cost," Baker said. While you're still too young to adjust how you're allocating to your retirement fund, you may need to consider where you're allocating. If you needed to withdraw your income from your retirement fund last year, you took a loss on those withdrawals, Baker noted.

☆ They Can’t Even: A Generation Avoids Facing Its Finances
▼ + stars: | 2023-04-17 | by ( Oyin Adedoyin | ) www.wsj.com time to read: 1 min

Many young adults overwhelmed by financial stress cope by ignoring the problem. Some tune out bank and credit-card balances, lose track of their spending and rack up debt. Average credit-card debt rose 29% to $5,800 in March from a year earlier for millennials and increased 40% to $2,800 for Gen Z, Credit Karma said. Younger people were also more likely to have paid late fees or taken advances from their credit cards, a survey from NerdWallet found.

☆ Young People Avoid Facing Their Finances More Than Ever
▼ + stars: | 2023-04-17 | by ( Oyin Adedoyin | ) www.wsj.com time to read: 1 min

☆ Some travel is 'off the charts' expensive, experts say. Here are 3 ways to cut some costs
▼ + stars: | 2023-04-17 | by ( Greg Iacurci | ) www.cnbc.com time to read: +7 min

D3sign | Moment | Getty ImagesInternational travel costs have hit record highsThe Eiffel Tower and Seine River at sunrise in Paris. The so-called "revenge travel" dynamic has helped to push up prices, perhaps most acutely for travel abroad. These are record-high prices, Berg said. People should be prepared not just for a busy travel season, but an expensive travel season. Sally French travel expert at NerdWalletThis summer is expected to be the busiest on record for international travel, the U.S. State Department said in March.

Avail yourself of balance transfer cardsCards offering 15, 18 and even 21 months with no interest on transferred balances "can be your best friend on the path to getting out of credit card debt," McBride said. watch nowMaking the best use of a balance transfer boils down to making those payments on time and aggressively paying down the balance during the introductory period. Most cards have a one-time balance transfer fee, usually around 3% to 5% of the tab. "The interest rate will depend on your credit, but it may be worth it if the cost of interest and fees are significantly lower than what you're currently paying on your credit cards," Rathner said. Currently, those rates are around 10%, on average, still well below what you may have on your credit card.

☆ Should adults be financially independent by 21? Boomers think so, but Gen Z disagrees.
▼ + stars: | 2023-04-10 | by ( Aaron Mok | ) www.businessinsider.com time to read: +4 min

Baby boomers and Gen Z kids are divided on what age adults should start paying their own bills. 68% of US parents are sacrificing savings to financially support their adult kids, Bankrate found. Part of the reason could be that parents are sick of sacrificing their hard-earned cash to financially support their adult kids. The study found that 68% of parents have made a "financial sacrifice" to help their adult kids with their finances. As a result, adult children may find it harder to achieve financial independence.

☆ Call it the Great Cash Out: Almost half of job switchers are making the mistake of cashing out their retirement savings when they go
▼ + stars: | 2023-04-05 | by ( Jason Lalljee | ) www.businessinsider.com time to read: +4 min

Americans are rushing to cash out their 401(k)s, and it's not just about being strapped for money. Cashing out when you leave a job can mean you miss out on major long-term savings, experts say. download the app Email address By clicking ‘Sign up’, you agree to receive marketing emails from Insider as well as other partner offers and accept our Terms of Service and Privacy PolicyAmericans have been cashing out their retirement savings at an "alarming" rate. That's despite the IRS's 10% penalty, under most circumstances, for those under the age of 59.5 who choose to cash out. Of the workers withdrawing from their funds after a job separation, only 27% were fired or laid off.

☆ U.S. passport delays may be four months long — and could get worse. Here's what to know
▼ + stars: | 2023-04-03 | by ( Greg Iacurci | ) www.cnbc.com time to read: +4 min

The U.S. State Department must also restaff positions that were reassigned or eliminated as passport demand cratered in 2020. U.S. Secretary of State Antony Blinken testifies during a House Appropriations Committee hearing on the State Department 2024 budget on March 23, 2023 in Washington. (A traditional passport — a passport book — costs $130 to renew; there's an additional $35 acceptance fee for first-time applicants.) Importantly, Americans may not be allowed to travel if their passport expires within a few months after their trip. The State Department website has information about passport and visa requirements for specific countries.

The Capital One Travel portal is an online travel platform that allows customers to book flights, hotels, and rental cars. Capital One credit cards that are eligible for the travel portalYou don't necessarily need a high-priced travel rewards credit card to use the Capital One Travel portal. Capital One miles value in the Capital One Travel portalCapital One miles are worth 1 cent each in the Capital One Travel Portal. How to book flights through the Capital One Travel portalYou can book flights with both domestic and international airlines through the Capital One travel portal. How to book hotels through the Capital One travel portalBooking hotels through Capital One Travel is similar to booking flights.

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