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☆ The Chase Sapphire Reserve now offers complimentary Lyft Pink All Access membership, with ride discounts, priority pickup, unlimited bike rides, and more
▼ + stars: | 2022-11-15 | by ( Tessa Campbell | Personal Finance Reviews Fellow | Read More | ) www.businessinsider.com time to read: +14 min

The Chase Sapphire Reserve just got a new Lyft Pink All Access benefit that can save cardholders a bunch of cash. Cardholders already earn 10x Chase Ultimate Rewards points on rideshares, scooters, and other Lyft transportation services (offer ends March 2025). But if that's not enticing enough of an offer for you, Sapphire Reserve cardholders are now getting two years of Lyft Pink All Access membership. If you frequently spend on Lyft and want to earn valuable Chase Ultimate Rewards® points, then activating the Lyft Pink All Access membership is a no-brainer. Having your Sapphire Reserve as your default payment method also means you'll earn 10x points on Lyft purchases.

Welcome to Personal Finance Insider, a biweekly newsletter that connects you with the stories, strategies, and tips you need to be better with money. Ditto her regular savings account. It's a good investment, to be sure, but it's not exactly fulfilling my urges as a Personal Finance Person®. Instead of giving physical birthday and Christmas gifts, Cappolla's uncle had been putting small sums — $25 to $100 — into a savings account. If you've never read an issue of Personal Finance Insider's For Love & Money column, last week's is a good place to start.

☆ Want to book a flight but pay for it next year? Here's how it works
▼ + stars: | 2022-10-31 | by ( Charmaine Jacob | ) www.cnbc.com time to read: +5 min

More airlines are partnering with "buy now, pay later" firms to give customers the option to pay for their flights in installments, instead of a lump-sum payment. But they were always predicated on the consumer being required to complete payment before they travel," Botts said. There's no credit check and no financing terms, but travelers must secure the flight with a deposit and pay the full fare before flying. Australia's largest airline Qantas launched BNPL services in May 2022, which allows international passengers on select routes to book a flight but pay the fare later. Not just airlinesThe online travel agency Booking.com works with the BNPL company Zip, which lets travelers pay for hotels, cruises, cars and travel experiences in installments.

☆ Another interest rate hike is coming from the Federal Reserve: Here's how it could affect you
▼ + stars: | 2022-09-19 | by ( Jessica Dickler | ) www.cnbc.com time to read: +6 min

The U.S. central bank has already raised interest rates four times this year, for a total of 2.25 percentage points. As the federal funds rate rises, the prime rate does as well, and credit card rates follow suit. Student loans The interest rate on federal student loans taken out for the 2022-2023 academic year already rose to 4.99%, up from 3.73% last year and 2.75% in 2020-2021. It won't budge until next summer: Congress sets the rate for federal student loans each May for the upcoming academic year based on the 10-year Treasury rate. Of course, anyone with existing education debt should check whether they are eligible for federal student loan forgiveness.

A financial planner suggests getting more intentional about purchases and resist the impulse buy. Ask yourself questions like whether you actually need or want it, if you have it already, and if you can afford it. Do I actually need this or want this? If I feel like I need an item, I'll typically write it down. Plus, the time you spend hunting for a better deal may help you discover if you actually need the item or not.

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