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☆ We bring our dog along on our work trips. We've had to nearly double our travel budget to do it.
▼ + stars: | 2024-08-12 | by ( Erin Liam | ) www.businessinsider.com time to read: +7 min

But leaving their dog, Koda, behind started to get too difficult for them. Last April, they took Koda on her first road trip from Connecticut to Florida. Paul Salley and Brianna FeehanFrom finding dog-friendly accommodations and eateries to ensuring that Koda is comfortable on the road, Salley and Feehan now center their trips around her. For their first road trip to Florida, Apple Maps estimated their journey would take 18 hours. AdvertisementFor longer trips with Koda, they set a maximum budget of $6,000 for seven weeks.

Persons: —, Paul Salley, Brianna Feehan, Koda, we're, Feehan, Koda Feehan, Salley, there's, Gladys Tsoi, Koda Koda, they've Organizations: Service, Business, Apple, Forbes, American Airlines Locations: Connecticut, Florida, Salley, Airbnb, Wyoming, Los Angeles, Alabama, New York, Wyoming . Alabama, New York City, LA, Hong Kong, Japan

Chase Sapphire Reserve® OverviewThe Chase Sapphire Reserve® is one of the best travel rewards credit cards of all time. Chase Sapphire Lounges will be available to Chase Sapphire Reserve® cardholders and all Priority Pass members. Chase Sapphire Reserve® vs. Chase Sapphire Preferred® CardIf you're trying to decide between the Chase Sapphire Reserve® and Chase Sapphire Preferred® Card, you'll want to decide if each card's annual fee is justified based on your travel and spending habits. Chase Sapphire Reserve® Cardholder InsightsAs part of our analysis of the Chase Sapphire Reserve®, we've considered discussions across various forums, including notable mentions on Reddit and FlyerTalk. Chase Sapphire Reserve® Frequently Asked QuestionsWhat credit score do you need to get the Chase Sapphire Reserve®?

Persons: Chase, Chase Travel ℠, you'll, Sapphire, John F, Chase Sapphire, You'll, Uber Cash, we've, you'd, you've, they'll, David E, David, —, Read, Katherine Fan, Katherine, Guy, Fortune, Katherine moonlights, she's, She's, Angela Fung Organizations: Business, American, Chase, Chase Travel, Sapphire, Chase Sapphire, TSA, FDIC, Chase Dining, American Express, Hong Kong International Airport, New, Kennedy, LaGuardia, Rental Insurance, Avis, Avis , National, Emergency, Transportation, Sapphire Reserve, Reserve, Capital, Venture, Centurion, overpaying, Yorker, Muhlenberg College, University of Edinburgh, Twitter, Finance, Cards, CNN, Forbes, Wall, Dallas Morning News, Newsweek, Nasdaq, MSN, Yahoo, SXSW, Austin American, Statesman, University of Texas, National Taiwan University Locations: DoorDash, airfare, Boston, Austin, Canada, Avis ,, Seattle, Redbird, Los Angeles, Healdsburg , California, New York City, Chicago, Reddit, Dallas , Denver, Dulles, Las Vegas, New York, Hong Kong, Chevron, There's, Slotnick, Scotland, orcas, Antarctica, Japan, New Zealand, South Africa, Taiwan

Singapore is the world's safest city for tourists, according to new research by Forbes Advisor. Out of 60 analyzed cities, the Southeast Asian city boasted the lowest natural disaster risk, and the second lowest health and infrastructure risks. Singapore was deemed to have the second lowest digital security risk on the list. After Singapore, the study ranked Tokyo and Toronto as the next safest cities for travelers. Tokyo was deemed to have the lowest health security risk, a testament to the quality of healthcare services in the city, and the fifth lowest infrastructure security risk.

Organizations: Forbes Advisor, Singapore Locations: Singapore, Tokyo, Toronto, Japan, Australia

Social media has transformed the reason we take photos on vacation. According to the same survey, 74% of respondents feel some kind of pressure to imitate the travel content they consume online. This summer, a little more than half of Americans are planning to take a vacation, according to a Bankrate survey. Stretching your annual vacation budget to accommodate the resort everyone claims to love so much? Dial into vacation elements that are important to youWhen you're trying to budget and plan for your summer vacation, come up with your cost ceiling first.

Persons: Gen Zers Organizations: Forbes Locations: Caribbean, clouding, Vegas

☆ Gen Z and millennials are going into debt to travel this summer. Remote working may be partly to blame.
▼ + stars: | 2024-07-01 | by ( Mikhaila Friel | ) www.businessinsider.com time to read: +5 min

A Forbes Advisor survey of 1,000 Americans who plan to travel in 2024 showed the post-pandemic "revenge travel" boom is in full force, despite rising inflation. The stats weren't surprising to Thomas, who told BI that this new trend could be partly attributed to the rise of remote work. Revenge travel and other loansIt's not just remote and hybrid working that may have contributed to a rise in travel spending. Travel experts previously told BI they had noticed an uptick in clients opting for luxury air travel experiences, from private jets to first-class and premium-class plane tickets. Thomas and financial expert Julie Beckham told BI that young people are likely to be influenced by peers who are showcasing their travel experiences online.

Persons: —, millennials, Zers, Credit Karma, Johannes Thomas, Thomas, Ivan Saprov, Saprov, Oliver Bell, Julie Beckham, Beckham Organizations: Service, Forbes, Business, Credit, Bank of America, BI, KPMG US, Financial Education Development, Rockland Trust Locations: Rockland

The Amazon Prime Visa earns 5% back at Amazon and Whole Foods and offers 0% intro APR on select purchases. Earn an instant $200 by signing up for a new Amazon Prime Visa credit card by July 24. Cardholders with Amazon Prime membership earn 5% back on Amazon, Amazon Fresh, Whole Foods, and Chase Travel purchases, all without paying an annual fee. If you're an Amazon Prime member, your Prime Visa card benefits extend far beyond the initial bonus and 5% cash back. Cardholders without Amazon Prime membership earn 3% cash back on Amazon bonus categories: Amazon, Amazon Fresh, Whole Foods, and Chase Travel.

Persons: You'll, Chase, —, cardholders, you've, you'll, we've, Katherine Fan, Katherine, Guy, Nerdwallet, Fortune, Katherine moonlights, she's, She's Organizations: Amazon, Visa, Foods, Read, Chase Travel, Amazon.com, FDIC, Prime, Finance, Cards, CNN, Forbes, Wall, Dallas Morning News, Newsweek, Nasdaq, MSN, Yahoo, SXSW, Austin American, Statesman, University of Texas, National Taiwan University Locations: Austin, orcas, Antarctica, Japan, New Zealand, South Africa, Taiwan

Share Share Article via Facebook Share Article via Twitter Share Article via LinkedIn Share Article via EmailWhy 36% of Americans say they're willing to go into debt to pay for vacationMore than one-third of summer vacationers say they are willing to take on debt to pay for travel this season, according to a March 2024 report from Bankrate. The average vacation for one person in the U.S. costs nearly $2,000 per week, according to BudgetYourTrip.com. An analysis by Forbes Advisors found that 28% of Americans across all generations say they have less than $1,000 in personal savings as of May 2024. Watch the video above to learn about those vacation-spending practices and what financial experts think about them.

Organizations: Forbes Advisors Locations: Bankrate, U.S

☆ Luxury air travel is on the rise. Experts say you don't have to be rich to experience it.
▼ + stars: | 2024-06-26 | by ( Mikhaila Friel | ) www.businessinsider.com time to read: +6 min

Travel experts told Business Insider they had noticed an uptick in clients opting for luxury air travel experiences, from private jets to first-class and premium-class plane tickets. Oliver Bell, cofounder of luxury travel company Oliver's Travels, said this trend could be partly attributed to "revenge travel," where people are "willing to spend more for incredible experiences" in the aftermath of the pandemic. AdvertisementBut you don't have to be flushed with cash to experience luxury air travel. "A lot of people assume that flying private is only for the rich and famous, the Elon Musk's of the world," Bell said. For example, Surf Air is an LA-based private jet company that offers unlimited private flying memberships for $295 per month or $3,540 annually.

Persons: —, Oliver Bell, Bell, Elon, BI's Alesandra Dubin, Dubin, David Guthrie, it's, George Rose, Martina Coogan, Coogan, Guthrie Organizations: Service, Business, Forbes, Airlines, KLM, United, United Airlines, Delta's Locations: West Coast and Texas, LA, Vegas, Delta, Ireland

☆ The 10 states where your pet is more likely to get sick from tick-borne diseases, viruses, parasites, and more
▼ + stars: | 2024-05-21 | by ( Ellyn Lapointe | ) www.businessinsider.com time to read: +6 min

AdvertisementHere are the 10 riskiest states for your pet, the most common diseases to watch out for, and some basic tips for keeping your pet happy and healthy. Top 10 riskiest states for your petForbes Advisor created its own ranking scale based on data from all 19 diseases. Two of these 10 states, West Virginia and Maine, were also among the top three riskiest states for tick-borne diseases. The most common diseases to watch out forTicksTick-borne diseases like Lyme Disease, anaplasmosis, and ehrlichiosis are especially common in the spring and summer months. Fever, lethargy, loss of appetite, and joint stiffness or pain are all common symptoms of these three tick-borne diseases.

Persons: —, Alexandria Cremer, Peter M, Fisher, It's Organizations: Service, Forbes, Business, Center for Disease Control, American Veterinary Medical Association, York, West Virginia, Veterinary Clinic, Watch, Cornell's College of Veterinary Medicine, American Society for, FDA, US, MetLife, Animal Foundation Locations: Jersey, Coast, Rhode, , New Jersey , Maine , New York, Pennsylvania, West Virginia, Maine, Arkansas, South Dakota , Wisconsin, New Mexico , Mississippi, Oklahoma, Kentucky, Mississippi, Brandywine

☆ The credit card crisis is worse for millennials and Gen Zers
▼ + stars: | 2024-03-09 | by ( Cork Gaines | ) www.businessinsider.com time to read: +5 min

The credit card debt for young Americans has grown at a faster pace than other generations. AdvertisementAmericans are in the midst of a credit card crisis, and nobody is being hit harder than millennials and Gen Zers. The study examined the anonymized credit scores of 41 million customers and anonymized credit card balances for about 80 million people in March 2022 and February 2024. Credit scores are falling for young AmericansThe soaring credit card debt has coincided with falling credit scores for these younger groups of consumers. If that happens, credit card debt will likely keep growing, and credit scores for young Americans could keep dropping.

Persons: Gen Zers, —, Zers, Z, millennials —, Rich Franks, Franks, Gen Z, that's, OnePoll, millennials Organizations: Service, Federal Reserve Bank, Intuit Credit Karma, Intuit Credit, Forbes, MMI, Money Management Locations: millennials

☆ Forcing workers back to the office is 'dinosaur management' — and companies risk losing out, expert says
▼ + stars: | 2024-02-11 | by ( Polly Thompson | ) www.businessinsider.com time to read: +6 min

After the first rounds of return-to-office mandates in 2023, many companies are now introducing more punitive measures to make their employees come to the office — actively tracking attendance, micromanaging employees' time, and blocking remote workers from bonuses and career progression. AdvertisementThis week, Dell informed staff that most of its workers will have to come into the office an average of three days a week. Mike Blake/ReutersIn November, Amazon also added a no-promotions policy for perennial remote workers. For example, women — who tend to take on more responsibility for the family and therefore benefit more from flexible remote work policies — will take a bigger hit from punitive policies, Cooper said. The Equal Employment Opportunity Commission recorded a 16% increase in mental health disability complaints between 2021 and 2022 from employees who want remote work allowances, The Hill reported.

Persons: —, weren't, Dell, Andy Jassy, Mike Blake, Young, Cary Cooper, Cooper, Justin Garrison Organizations: Service, Forbes, Business, Citibank, BI, Amazon, Reuters, Google, Ernst, University of Manchester, Dell, Amazon Web Services, Tata Consultancy Services, Gallup, Employment, Commission Locations: London, United States

While there's no universal minimum credit score to rent an apartment, landlords generally prefer applicants with a good credit score, which is at least 670. While your credit score will suffice for some landlords, under the Fair Credit Reporting Act, landlords are also allowed to view your credit reports. The average credit score of a Gen Z consumer is 680 compared to the average baby boomer's credit score of 745. Though these services won't directly help you build credit, keeping track of your credit score is a crucial part of the credit building process. Apartment credit score requirements frequently asked questionsCan you rent an apartment if you do not have credit?

Persons: —, TransUnion, Kendall Meade, Jay Zigmont, Will, Jamela Adam, Read Organizations: Fair, Childfree, Forbes, . News, Mint Intuit Locations: AnnualCreditReport.com, SoFi, Chevron

Our experts answer readers' credit card questions and write unbiased product reviews (here's how we assess credit cards). Annual fees increase between 18% to 52% on six consumer and business Delta SkyMiles credit cards. American Express and Delta Air Lines increased annual fees across their co-branded airline credit cards today for consumer and business credit cards alike. Delta SkyMiles® Platinum American Express Card, Delta SkyMiles® Platinum Business American Express Card, Delta SkyMiles® Reserve American Express Card, and Delta SkyMiles® Reserve Business American Express Card cardholders will receive $2,500 Medallion Qualifying Dollars (MQDs) every qualifying year, beginning February 1, which will give them a jumpstart toward earning Delta status each year. Delta SkyMiles® Platinum Business American Express Card and Delta SkyMiles® Reserve Business American Express Card cardholders can now spend above their credit limit, albeit within a certain undisclosed extent.

Persons: Resy, Katherine Fan, I've, Guy, NerdWallet, I'm, you'll, Read Organizations: Delta, American Express, Delta Air Lines, Delta SkyMiles, Delta SkyMiles ®, Express, Finance, Business, Forbes, USA, Austin American, Statesman, Associated Press, Google, MSN, University of Texas Locations: Hawaii , Alaska, Mexico, Caribbean, Central America, delta.com, Delta, Austin, Southwest, Texas, Taiwan, New York City

☆ Splitting the check is no longer restaurant etiquette — in 2024 it's every diner for themself
▼ + stars: | 2024-01-24 | by ( Kieran Press-Reynolds | Charissa Cheong | ) www.businessinsider.com time to read: +8 min

Recently, TikTok users have been gaining traction with the idea that people shouldn't feel guilty about paying for their own food and not splitting the check. Diners say splitting the bill can be unfairSome of the recent bill-splitting discourse posts are grouped under the hashtag "groupdinner," which has 9.6 million views. splitting the bill. AdvertisementIn sticking to etiquette norms when paying for one's own meal, it's crucial that guests repay their portion promptly. More than anything, communication between the hosts and guests is essential and can help thwart nightmare bill-splitting mishaps like the ones described in the viral TikTok videos.

Persons: —, @finegalnopimple, TikToker @remiandryan, Nick Leighton, fleeced, Leighton, OnePoll, It's, it'll, it's Organizations: Service, Business, Louisiana Federal Credit Union, New York Times, Forbes Locations: Dutch, Louisiana

☆ The 10 cities where you're most likely to get in a car accident
▼ + stars: | 2023-11-09 | by ( Melissa Wells | ) www.businessinsider.com time to read: +1 min

Forbes Advisor ranked the most dangerous cities for traffic accidents across the US. Atlanta and Dallas tied for the top city where you're most likely to get in a car accident. Accidents are more likely in car-dependent areas like Los Angeles than Chicago or New York. Using research from the National Highway Traffic Safety Administration and Allstate, Forbes Advisor identified the cities where you're most likely to get in a car accident. AdvertisementAdvertisementHere are the top 10 cities where you're most likely to get in a car accident.

Persons: — Organizations: Forbes, Dallas, Service, National, Traffic Safety Administration, Allstate Locations: Atlanta, Los Angeles, Chicago, New York

With consumers turning to social media for financial information, tax advisors are often battling misinformation spread by influencers on popular platforms like TikTok. Nearly 80% of millennials and Gen Zers have used social media for financial advice, according to a 2023 Forbes Advisor survey of more than 1,000 American adults. Some 32% of respondents cited TikTok as a preferred platform for financial information. "It's a wealth of horrible information," said Josh Youngblood, an enrolled agent and owner of The Youngblood Group, a Dallas-based tax firm. "We can almost always tell when there is some new TikTok trend because a lot of us start getting the same questions from our clients," he said.

Persons: influencers, Gen Zers, Josh Youngblood, Roth, —, Youngblood Organizations: Forbes, Youngblood, Finance, IRS Locations: millennials, Dallas

☆ 'Career choices' is the No. 1 conflict among divorced people: Work is an 'easy escape,' says therapist
▼ + stars: | 2023-08-19 | by ( Aditi Shrikant | ) www.cnbc.com time to read: +3 min

Work can often become a welcome distraction for people who aren't ready to discuss the dysfunction in their partnership. "I think if someone is obsessed with their work and not home a lot, it has more to do with their relationship than their work," she says. 'I felt neglected'In a culture that prizes professional success, it can feel counterintuitive to tell your partner to work less. If you wanted to take no sick days and work 100 hours a week, you could. There is also the other side of the coin: a partner who isn't working enough or isn't pursuing a lucrative career.

Persons: Elizabeth Cohen, Cohen, it's Organizations: Forbes Advisor, Organisation for Economic Co Locations: United States, U.S

☆ 63% of divorcees say this is the No. 1 thing that would have saved their marriage—and it's not more money
▼ + stars: | 2023-08-17 | by ( Aditi Shrikant | ) www.cnbc.com time to read: +1 min

But, almost all of those surveyed believe their union could have been saved by one factor or another. In fact, only 5% of respondents said they don't think anything could have fixed their partnership. More than half, 56%, of respondents said a better understanding of the values and morals of their partner might have helped them avoid divorce. And 44% said waiting to start a family might have saved their marriage. 1 best piece of advice for regular investors, do's and don'ts, and three key investing principles into a clear and simple guidebook.

Persons: Warren Buffett Organizations: Forbes

☆ 46% of divorced couples say this was the No. 1 conflict in their relationship—and it isn't money
▼ + stars: | 2023-08-15 | by ( Aditi Shrikant | ) www.cnbc.com time to read: +2 min

Almost 690,000 couples reported getting divorced in 2021, according to the Centers for Disease Control and Prevention. That's about half the number of couples who reported getting married. There are a handful of commonly cited factors that couples feel put a strain on their marriage, according to a Forbes Advisor survey. The biggest conflicts divorced couples encounter are:Career choices Parenting differences Division of household labor Relationships with family Relationships with friends Finances Health choicesAlmost half, 46%, of those surveyed said career choices were the biggest source of conflict in their marriage. A whopping 63% said that having a better understanding of commitment prior to marrying could have helped them avoid divorce.

Persons: Couples, Warren Buffett Organizations: Centers for Disease Control, Forbes Advisor

☆ The psychological reasons why you fall in love with your colleagues
▼ + stars: | 2023-07-26 | by ( Lindsay Dodgson | ) www.businessinsider.com time to read: +6 min

You probably spend a good amount of time with your colleagues if you still work in an office. There are psychological reasons for this, and ways to work out if the romance is real. Some respondents to a survey by the British employment platform TotalJobs said they felt the pressure to act more professionally while in a work relationship, and others said they worried about gossip. "Once you have written everything out, reread the list and honestly answer if this person aligns with what you're wanting." Overall, she said, an office relationship can be a "beautiful" experience, "if it is done carefully and thoughtfully."

Persons: it's, they'd, David Brudö, Brudö, Gabriel Brenner, Avigail Lev, Jim, Pam, TotalJobs, Brenner, Angelika Koch, Koch, you've Organizations: Service, Forbes Locations: Wall, Silicon

☆ The 10 worst airports for summer travel based on on-time arrival performance and airfare price
▼ + stars: | 2023-06-28 | by ( Bianca Giacobone | ) www.businessinsider.com time to read: +1 min

Three of the five worst airports for summer travel are in Florida, with Sanford Airport being the worst. Lihue Airport in Hawaii has been ranked the best airport in the US for summer travel. Forbes Advisor, a financial advisor platform, analyzed data from 100 US airports to compile a list of the 10 worst airports for summer travel based on on-time arrival performance and airfare price. Florida, which is prone to thunderstorm weather, has three of the top five worst airports for summer travel. Take a look at the ten worst airports for summer travel:

Organizations: Sanford Airport, Lihue, Morning, Forbes Locations: Florida, Hawaii

☆ That shiny new electric car you bought will cost more to insure — here's why
▼ + stars: | 2023-03-03 | by ( Alexa St. John | ) www.businessinsider.com time to read: +4 min

Car-buyers should understand the nuances of EV insurance and why it might cost more. Right now, new EVs cost more on average. The latest estimate from NerdWallet said the national average cost of car insurance stands at about $2,148 per year. Plus, there aren't as many shops with technicians trained to fix electric vehicles versus traditional vehicles." Where EV insurance and upfront costs look more than with a gas-powered car, drivers could see substantial fuel and maintenance costs-savings from going electric.

☆ A 27-year-old freelance writer whose 'hourly earning potential' is $215 explains how to maximize earnings as a freelancer
▼ + stars: | 2023-02-23 | by ( Kathleen Elkins | ) www.businessinsider.com time to read: +8 min

To maximize earning potential as a freelancer, he only works with clients that pay competitive rates. Dong shared four strategies that have helped him maximize his earning potential as a freelancer. Instead of using Fiverr or Upwork, reach out to potential clients via email, LinkedIn, or other social platforms. After all, the slower your work, the more your hourly earning potential drops. Plus, he does other seemingly simple things like prioritizing sleep, eating well, and exercising consistently to get the most out of his work hours.

☆ MsDowJones shares her top 7 money must-do tips for staying ahead in 2023
▼ + stars: | 2023-02-01 | by ( Laila Maidan | ) www.businessinsider.com time to read: +6 min

The old financial ways are not as applicable to younger generations, says Haley Sacks, who is a millennial herself. She built a career as an online personal finance influencer after her search for good financial information turned up empty. Sacks says 2023 should be the year of knowing where you stand financially, a key step to getting ahead. This leads to her next tip: stick to the 50/30/20 rule, which is the ratio by which your after-tax monthly expenses should be broken down. If you've knocked off all of the above and you still have extra cash, consider maximizing your tax-advantaged accounts, Sacks said.

☆ Gen Zers are spending big this holiday season — and it could come back to bite them
▼ + stars: | 2022-12-06 | by ( Avery Hartmans | ) www.businessinsider.com time to read: +4 min

Gen Z shoppers came out in full force during Black Friday and Cyber Monday this year. BNPL seems like an easy way to pay for purchases, but it's causing some young consumers to rack up debt. Despite predictions of a lackluster holiday shopping season this year, shoppers came out in full force during Black Friday and Cyber Monday. "One standout this Black Friday was the high turnout of Gen Z in stores," Kristen Classi-Zummo, apparel industry analyst with market research firm NPD, told CNN. Frequent BNPL use has led some young shoppers to rack up thousands of dollars in debt and tank their credit scores.

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