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☆ The Fed hasn't touched interest rates since July, but they're still moving. What that looks like for credit cards, mortgages and savings accounts
▼ + stars: | 2024-03-20 | by ( Gabriel Cortés | ) www.cnbc.com time to read: +4 min

It's one of the silver linings to the current rate environment, said Ted Rossman, chief credit card analyst at Bankrate. Credit cardsThe flip side to the positive environment for savers is the expensive credit card market: Consumers carrying balances on their cards face historically high rates. "The Fed is not going to come to your rescue on credit card rates," Rossman said. The Fed is not going to come to your rescue on credit card rates. Mortgage ratesWhile savings and credit card rates are very sensitive to maneuvers from the Federal Reserve, the area that might see the most movement is housing.

Persons: Ted Rossman, There's, Rossman, they've, they'd, Bankrate Rossman Organizations: Hinterhaus, Getty, U.S . Federal Deposit Insurance Corp, Federal Reserve

☆ How to avoid the 'survivor's penalty' before a spouse passes
▼ + stars: | 2024-03-18 | by ( Kate Dore | Cfp | ) www.cnbc.com time to read: +4 min

Jessie Casson | Digitalvision | Getty ImagesIt's hard to lose a spouse, and a costly surprise makes it even more difficult, especially for older women — higher taxes. watch nowTypically, the surviving spouse inherits the deceased spouse's individual retirement accounts, and so-called required minimum distributions are about the same. But the surviving spouse now faces higher tax brackets, Gagliardi said. Spouses may consider partial Roth IRA conversions, which transfers part of pretax or nondeductible IRA funds to a Roth IRA for future tax-free growth, Jastrem said. Check investment accountsIt's always important to keep account ownership and beneficiaries updated, and failing to plan could be costly for the surviving spouse, Jastrem said.

Persons: Jessie Casson, Digitalvision, Edward Jastrem, —, Donald Trump's, George Gagliardi, Gagliardi, Roth, Jastrem Organizations: Getty, Centers for Disease Control, Heritage Financial Services, CNBC, Coromandel Wealth Management, Wealth Locations: Westwood , Massachusetts, Lexington , Massachusetts

☆ Why Social Security is so important for women: ‘It all comes down to longevity,’ expert says
▼ + stars: | 2024-03-15 | by ( Greg Iacurci | ) www.cnbc.com time to read: +4 min

"It all comes down to longevity," Mary Beth Franklin, a certified financial planner and Social Security expert, said Thursday at Financial Advisor Magazine's annual Invest in Women conference in West Palm Beach, Florida. Beneficiaries get an 8% guaranteed increase in their Social Security checks for every year they defer beyond their full retirement age, up to 70 years old. Why Social Security is 'crucial' for womenGuaranteed income such as Social Security is "crucial" for women, Franklin said. "Full retirement age" is the age at which someone becomes eligible for their full Social Security benefit. Importantly, continuing to work after claiming benefits — if before full retirement age — may temporarily reduce your Social Security benefits due to an earnings cap.

Persons: Momo, Mary Beth Franklin, Franklin, — Organizations: Getty, Social, Social Security, Women, Security, Social Security Administration, Centers for Disease Control Locations: BEACH, Fla, West Palm Beach , Florida

☆ The job more parents are taking to get a discount on their kids' college tuition
▼ + stars: | 2024-03-06 | by ( Kevin Williams | ) www.cnbc.com time to read: +5 min

As a college staff member, Heater gets deeply discounted tuition at the private Marianist Catholic college with approximately 8,000 undergraduate students. She compared universities in her area and their benefits and decided on University of Dayton, which offers tuition benefits for staff workers and their dependents. Washington said that workers and their dependents can also use a tuition exchange program, which allows them to transfer their tuition benefits within a pool of participating schools. For instance, once the tuition benefit exceeds the IRS' guidelines of $5,250 annually, the rest is generally considered taxable income. She said she thinks a lack of awareness about tuition benefits programs keeps them from being more popular.

Persons: Ariel Skelley, Troy Washington, Washington, Jacob Channel, Sherry Kirkland, Kirkland Organizations: Digitalvision, Getty, University of Dayton, Catholic, University of Dayton's, College and University Professional, for Human Resources, Wilmington University Locations: Ohio, Delaware

☆ Immigration is 'taking pressure off' the job market and U.S. economy, expert says
▼ + stars: | 2024-03-02 | by ( Greg Iacurci | ) www.cnbc.com time to read: +10 min

Mark Zandi, chief economist at Moody's Analytics, said the increase in foreign-born workers is "taking pressure off the economy." The growth in foreign-born workers comes amid a contentious immigration policy debate in the U.S. Immigrants' share of the labor force has increased since 1996, when the Bureau of Labor Statistics began collecting such data. A growing population and labor force are key components of a healthy economy and the nation's ability to pay its bills, economists said. In other words, the economy is both absorbing immigrants and generating job opportunities for U.S.-born workers, the institute said.

Persons: Mark Zandi, it's, Alejandro Mayorkas, John Moore, Muzaffar Chishti, Jack Malde, Qian Weizhong, Steven Camarota, Camarota, Paul Ratje, Eric Thayer, Malde, EPI, Zandi, There's, Luis Alvarez Organizations: U.S . Bureau of Labor Statistics, Moody's, Republicans, U.S, Department of Homeland, U.S . Border Patrol, U.S . Department of Homeland, Getty, Migration Policy Institute, CNBC, Foreign, U.S . Immigrants, Bureau of Labor Statistics, Pew Research Center, Social Security, Congressional, Office, Center, Immigration, . Border Patrol, Getty Images, Federal Reserve Bank of San, Center for Immigration Studies, Afp, Bloomberg, Economic Policy Institute, National Academies of Sciences, Engineering, Medicine, Digitalvision Locations: U.S, Mexico, Eagle Pass , Texas, San Diego , California, Federal Reserve Bank of San Francisco, Paso, Ciudad Juarez , Mexico, Los Angeles

☆ 'If your parents are homeowners, you're more likely to be a homeowner,' housing expert says. Here's why
▼ + stars: | 2024-02-23 | by ( Ana Teresa Solá | ) www.cnbc.com time to read: +2 min

If a parent is a homeowner, they are more likely to assist with their kid's down payment, she said. But it's harder for those with parents who are not homeowners: "Renter households are often precluded from bringing more people into their home. Having homeowner parents is 'like a 5 percentage point bonus'Young adults with homeowner parents are more likely to become homeowners themselves because they can obtain more information about the mortgage application process directly from their parents, the Urban Institute found. "Because the parents are so knowledgeable about homeownership, they're more likely to encourage their kids to do it and show them how to do it," Myers said. "It's like a 5 percentage point bonus by having parents who are homeowners."

Persons: Skylar Olsen, Myers, that's, Zers, Intuit Credit Karma, Wachter Organizations: Digitalvision, Getty, National Association of Realtors, Urban Institute, Intuit Credit Locations: Washington ,

☆ 52% of Black Americans say homeownership is a mark of success, report finds. But it can conflict with other goals
▼ + stars: | 2024-02-21 | by ( Ana Teresa Solá | ) www.cnbc.com time to read: +2 min

Maskot | Digitalvision | Getty Images'Homeownership has a lot more expenses than renting'"Homeownership has a lot more expenses than renting: taxes, insurance, maintenance, down payment. All these factors need to be considered," said Cherry, a member of CNBC's Financial Advisor Council. "Understand what it is to be a homeowner and how things work," said Elliott, also a member of CNBC's Financial Advisor Council. "The cost of homeownership versus renting has been made [it] daunting to become a homeowner. "At the end of the day, what good is being a homeowner when you can't provide basic necessities for yourself and your loved ones?"

Persons: Cherry, Kamila Elliott, Elliott, Susan M, Wachter, Preston D, Jacob Channel Organizations: Digitalvision, Getty, CNBC's, CFP, Wealth Partners, CNBC, Council, The Wharton School, University of Pennsylvania, Cherry Locations: Atlanta, U.S

EY's Daco said the past few years have been marked by a mismatch in supply and demand when it comes to goods, services and even workers. Companies furloughed workers in the early pandemic and then struggled to fill jobs. David Silverman, a retail analyst at Fitch Ratings, said companies are "feeling a bit heavy as sales growth moderates and maybe even declines." Cost cuts at UPS, Hasbro and Levi all followed sales declines in the most recent fiscal quarter. "Part of companies' decision to lower their expense structure is in line with their views that 2024 may not be a fantastic year from a top-line-growth standpoint," Silverman said.

Persons: EY's Daco, David Silverman, Levi, Fitch, Silverman Organizations: Getty, Airlines, Cox Automotive, Fitch, UPS, Hasbro, Walmart, Target Locations: U.S

☆ This matchmaker's fee can top $500,000. Here's her best advice to find love
▼ + stars: | 2024-02-11 | by ( Annie Nova | ) www.cnbc.com time to read: +4 min

People typically pay between $75,000 and $500,000 for Adler's services (and in some cases, even more), according to business records reviewed by CNBC. Her team of matchmakers conducts in-person interviews with clients, which delve into their childhoods, desires, aversions and romantic histories. Adler shared her best dating advice. As part of this reflection, it can be useful to think about why previous relationships didn't work out, Adler said. Don't settleAdler's matchmakers dedicate a lot of time helping clients to identify their deal breakers and their must-have qualities in a partner.

Persons: Colin Anderson, Barbie Adler, Adler, It's, matchmakers, they've, that's Organizations: Colin Anderson Productions, Digitalvision, Getty, CNBC, Finance

☆ ‘Sorry I am dead’: Why a ‘death note’ is as important as having a will, advisor says
▼ + stars: | 2024-02-02 | by ( Greg Iacurci | ) www.cnbc.com time to read: +4 min

This is how Doug Boneparth, a certified financial planner, starts what he calls a "death note" to his wife, Heather. Sun refers to this concept not as a death note, but as the assembly of one's "financial first aid kit." Don't forget social media accounts, physical itemsOne's online presence is also an important element of a death note, the advisors said. For example, how would you like your social media accounts and professional websites managed after you die? Importantly, don't keep your note secret — tell your loved ones that you've drafted it and where to find it, they said.

Persons: Kathrin Ziegler, Doug Boneparth, Heather, one's, Boneparth, —, Franklin, Matthew Perry's, they're, Winnie Sun, It's, Sun, you've Organizations: Digitalvision, Finance, Sun Group Wealth Partners Locations: New York, Irvine , California

☆ New bill in Congress calls for creating children's savings accounts from birth. Here's how it would work
▼ + stars: | 2024-01-31 | by ( Lorie Konish | ) www.cnbc.com time to read: +4 min

The plan calls for providing savings accounts for every child in the U.S. on state 529 college savings platforms, which would be managed by state Treasurers. More from Personal Finance:IRS to launch free tax-filing pilot programJamie Dimon: Improving earned income tax credit is 'no brainer'Biden has forgiven student debt for millions. Children in households that are eligible for the earned income tax credit — which aims to reduce the federal tax burden for low- to moderate-income workers — would receive additional aid. The proposal comes as Congress is poised to consider a new expansion of the child tax credit. Estimates have found the new child tax credit could help about 16 million children from low-income families in the first year, according to the Center on Budget and Policy Priorities.

Persons: Democratic Sens, Bob Casey of Pennsylvania, Chuck Schumer, Ron Wyden, Don Beyer of Virginia, Joyce Beatty, Suzan, Jamie Dimon, Biden, Casey, Momo, Roth, I'm, Madeline Brown Organizations: Democratic, New, Reps, Finance, IRS, Getty, Center, Budget, Urban Institute, D.C Locations: New York, Oregon, Joyce Beatty of Ohio, Washington, U.S

☆ Workers are sour on the job market — but it may not be warranted
▼ + stars: | 2024-01-29 | by ( Greg Iacurci | ) www.cnbc.com time to read: +2 min

Maskot | Digitalvision | Getty ImagesWorkers are sour on the job market — but that pessimism may be somewhat misplaced. So far in 2024, for example, big technology firms including Amazon, eBay, Google and Microsoft have announced job cuts. U.S.-based companies planned about 722,000 job cuts in 2023, almost double those announced in 2022, according to Challenger, Gray & Christmas, an outplacement and executive coaching firm. watch nowHowever, those recent headlines mask strength in the overall job market, economists said. "It's still a very robust and resilient labor market overall," Pollak said.

Persons: Daniel Zhao, Zhao, it's, Mark Zandi, Zandi, they've, Julia Pollak, " Pollak Organizations: Digitalvision, Getty Images Workers, Amazon, eBay, Google, Microsoft, Citigroup, Universal Music Group, U.S, Challenger, Moody's, Federal Reserve Locations: BlackRock, U.S

☆ ‘I don’t want to spend’: How a TikTok comedian’s call for ‘loud budgeting’ can help your wallet
▼ + stars: | 2024-01-29 | by ( Victoria Feng | Special To Cnbc | ) www.cnbc.com time to read: +2 min

But he sees the very real financial consequences that influencers and TikTok trends like quiet luxury have, especially on younger consumers. "There was this idea of keeping up with the Joneses," said Daigle, a member of the CNBC Financial Advisor Council. Nearly two-thirds, 62%, of Americans are living paycheck to paycheck, according to LendingClub. For loud budgeting to be effective rather than gimmicky, Daigle suggests that people focus on their financial priorities and practice moderation with their spending changes. To help stay on track, she recommends using a budgeting tool like YNAB, also known as You Need a Budget.

Persons: Thomas Barwick, Steven Sierra, Sophia Bera Daigle, That's, I'm, Daigle Organizations: Digitalvision, Getty, Lukas, CNBC, Gen

☆ Paying rent usually won't boost your credit score. Here's what renters need to know to make it count
▼ + stars: | 2024-01-20 | by ( Ana Teresa Solá | ) www.cnbc.com time to read: +4 min

Luis Alvarez | Digitalvision | Getty ImagesWhile rent payments do not traditionally affect your credit, a growing number of so-called rent-reporting services are trying to change that. But these services don't all operate the same way, and some may have less value for renters. There are also services geared to landlords that offer rent reporting for tenants, including ClearNow, Esusu and PayYourRent. Landlords usually shoulder the cost of these programs, but there may be processing fees depending on how you make your rent payments. When rent payments are included in credit reports, consumers see an average increase of nearly 60 points to their credit score, according to a 2021 TransUnion report.

Persons: Luis Alvarez, —, Matt Schulz, Michael Sherman, Schulz Organizations: Digitalvision, Finance, Zillow, Zillow Group

☆ How to figure out your timeline to student loan forgiveness, as more borrowers become eligible
▼ + stars: | 2024-01-17 | by ( Annie Nova | ) www.cnbc.com time to read: +1 min

Chris Tobin | Digitalvision | Getty ImagesBeginning in February, certain student loan borrowers who have spent a decade in repayment will get their federal student loan debt forgiven, the Biden administration recently announced. Most borrowers need to make payments for 20 years or 25 years on an income-driven repayment plan before their debt is erased. To qualify for the aid, you'll also need to make sure you have eligible federal student loans and that you're enrolled in the SAVE plan. Pandemic-era payment pause countsOther forbearances, deferments may count, tooThe Department of Education gives federal student loan borrowers several options to pause their payments. Due to the timeline of regulatory changes, borrowers may have to wait for some of these periods to be credited to their forgiveness timeline under the SAVE plan.

Persons: Chris Tobin, Biden, you'll, deferments Organizations: Digitalvision, U.S . Department of, Valuable Education, Education, SAVE, of Education, CNBC, Time

☆ Election disruption from AI poses the biggest global risk in 2024, Davos survey warns
▼ + stars: | 2024-01-10 | by ( Karen Gilchrist | ) www.cnbc.com time to read: +3 min

The World Economic Forum's "Global Risks Report 2024," released Wednesday, ranked AI-derived misinformation and disinformation — and its implications for societal polarization — ahead of climate change, war and economic weakness in its top 10 risks over the next two years. "How that is going to play out is going to be quite important for us to watch," she added. watch nowThe WEF report, which was also produced in collaboration with Zurich Insurance Group, surveyed over 1,400 global risk experts, policymakers and industry leaders in September 2023 about their biggest global concerns. Top 10 global risksThe most cited risks for the next two years were, in order: misinformation and disinformation, extreme weather events, societal polarization, cyber insecurity and interstate armed conflict. Also in the top 10 were lack of economic opportunity, inflation, involuntary migration, economic downturn and pollution.

Persons: Alfieri, Carolina Klint, Marsh McLennan, CNBC's Silvia Amaro, Saadia Zahidi Organizations: Zurich Insurance Group Locations: Carolina, Europe

☆ Job data suggests ‘soft landing’ is increasingly likely, economists say
▼ + stars: | 2023-12-05 | by ( Greg Iacurci | ) www.cnbc.com time to read: +3 min

Luis Alvarez | Digitalvision | Getty ImagesThe U.S. economy inched closer to a so-called "soft landing" after a new batch of labor data, economists said. Why a soft landing is like 'Goldilocks' porridge'Steaming bowl of oatmeal porridge, made with Irish oats, wheat berries and barley. A soft landing is like "'Goldilocks' porridge' for central bankers," Brookings Institution economists wrote recently. How the labor market fits inWhy the job market is already 'back into balance'The latest labor data added to encouraging news about a likely soft landing, economists said. Despite the large monthly decline, job openings are still 25% above their February 2020 level, she added.

Persons: Luis Alvarez, Jason Furman, Obama, Jon Lovette, Julia Pollak, Pollak Organizations: Digitalvision, Federal Reserve, U.S . Department of Labor, Labor, Harvard University, White House Council, Economic Advisers, Getty, Fed, Brookings, American Economic Association

Tom Werner | Digitalvision | Getty ImagesIf you elected not to participate in your company's 401(k) plan, your employer may have other ideas. The concept of 401(k) plan "reenrollment" has been gaining traction. Most companies, about 85%, direct workers' savings into target-date funds if they're automatically enrolled, according to PSCA data. Workers receive a notification from their employer ahead of reenrollments and have the chance to opt out or reduce their contribution. Employers' hope is that inertia will cause workers to stay in the plan rather than opt out.

Persons: Tom Werner, Digitalvision, reenrollments, Sean Deviney, they're Organizations: of America, Workers, Employers Locations: Fort Lauderdale , Florida, reenrollments

☆ Here are some last-minute options to spend down your flexible savings account ‘use-it-or-lose-it’ funds
▼ + stars: | 2023-12-01 | by ( Ana Teresa Solá | ) www.cnbc.com time to read: +4 min

It's common for workers to not know what their employer's FSA rules are. Stock up on over-the-counter medications The CARES Act of March 2020 removed prescription requirements to use FSA funds for many over-the-counter medicines. Buy certain skin care products You can use your FSA savings for eczema-approved creams and lotions. Plan ahead for a new baby New and expectant parents can use their FSA funds for baby products such as diaper rash cream, baby breathing monitors and baby sunscreen. How to use FSA funds wisely

Persons: Tom Werner, Digitalvision, Carolyn McClanahan, Jake Spiegel, you've Organizations: Getty, Planning Partners, CNBC's, Research, CNBC, Invest, Garmin, IRS Locations: Jacksonville , Florida

☆ Return to office is 'dead,' Stanford economist says. Here’s why
▼ + stars: | 2023-11-30 | by ( Greg Iacurci | ) www.cnbc.com time to read: +4 min

"Return to the office is dead," Nick Bloom, an economics professor at Stanford University and expert on the work-from-home revolution, wrote this week. The share of paid work-from-home days has been "totally flat" this year, hovering around 28%, said Bloom in an interview with CNBC. "We are three and a half years in, and we're totally stuck," Bloom said of remote work. Why remote work has had staying powerThe initial surge of remote work was spurred by Covid-19 lockdowns and stay-at-home orders. While remote work is the labor market's new normal, there's significant variety from company to company, Pollak said.

Persons: Nick Bloom, Bloom, hasn't, Julia Pollak, Pollak, it's Organizations: Stanford University, Survey, CNBC, Census, Research, Finance, Employers Locations: U.S

☆ U.S. passport delays have eased — but aren’t yet back to normal
▼ + stars: | 2023-11-28 | by ( Greg Iacurci | ) www.cnbc.com time to read: +2 min

Tooga | Digitalvision | Getty ImagesRecord passport demand fuels delaysJordan Siemens | Digitalvision | Getty ImagesPassport processing delays resulted from high demand for international travel as pandemic-era health fears and travel restrictions loosened. Before the pandemic, it took two to three weeks for expedited passports and six to eight weeks for routine passport processing, the State Department said. Passport demand generally fluctuates throughout the year. Andrea Comi | Moment | Getty ImagesA traditional passport — a passport book — costs $130. Expedited passport processing costs an extra $60.

Persons: It's, You've, Andrea Comi Organizations: Digitalvision, Getty, Siemens, State Department, Department, Travelers, United States Postal Service

☆ Why climate change may cost you big bucks — and what to do about it
▼ + stars: | 2023-11-27 | by ( Greg Iacurci | ) www.cnbc.com time to read: +5 min

Climate change has been described as a ticking time bomb, the threats of which extend beyond ecosystems and biodiversity to big financial impacts on households and the U.S. economy. Here's what to know, according to Rumbach and David Pogue, host of the podcast "Unsung Science" and author of "How to Prepare for Climate Change: A Practical Guide to Surviving the Chaos." Both experts were interviewed by CNBC during a recent discussion about climate change and its impact on personal finance. "Over time, each incremental increase in climate change is going to up the economic cost bit by bit," Rumbach said. But there are also steps they can take to prepare for the worsening effects of climate change.

Persons: Andrew Merry, Andrew Rumbach, David Pogue, Tim Wright, Rumbach, Pogue, There's, Justin Paget, Digitalvision Organizations: CNBC's, Finance, White, Urban Institute, CNBC, Bloomberg Creative, Bloomberg, Census, Getty, Starbucks, Urban Locations: U.S, Florida, Louisiana, New Orleans

☆ More employers offer a Roth 401(k) — and a Secure 2.0 change may prompt more workers to use it
▼ + stars: | 2023-11-27 | by ( Greg Iacurci | ) www.cnbc.com time to read: +4 min

That share has increased significantly over the past decade: Just 58.2% of employers made a Roth 401(k) available in 2013, PSCA found. Workers pay tax up front on 401(k) contributions, but investment growth and account withdrawals in retirement are tax-free. High earners may also mistakenly think there are income limits to contribute to a Roth 401(k), as there are with a Roth individual retirement account. Those that don't already do so must allow Roth contributions to facilitate this change, or disallow catch-up contributions, according to Principal. When Roth 401(k), IRA savings makes senseRoth 401(k) contributions may not be wise for all workers.

Persons: Roth, PSCA, Hattie Greenan, —, Greenan, Ted Jenkin, Jenkin Organizations: Getty, of America, Finance, Workers, Companies, Employers, CNBC, CNBC's

☆ ETFs have been 'a huge growth engine in the fund universe,' expert says. What to know before you invest
▼ + stars: | 2023-11-15 | by ( Lorie Konish | ) www.cnbc.com time to read: +4 min

ETFs offer 'the best of both worlds'Year over year, more money has gone into ETFs than mutual funds. ETFs also come with lower average expense ratios, fees investors pay for the management of a fund, Armour said. Mutual fund investors may owe either short- or long-term capital gains on those distributions, depending on how long they have been invested in the fund. Bryan Armour director of passive strategies research for North America at Morningstar"As a fund holder in a mutual fund, you're at the whims of other fund holders," Armour said. "They're much, much more tax-efficient than a mutual fund," Armour said.

Persons: Thomas Barwick, It's, Bryan Armour, That's, Armour, Todd Rosenbluth, Rosenbluth Organizations: DigitalVision, Getty, North America, Morningstar, Mutual, redemptions

☆ The ‘dupe’ trend hit travel in 2023. It's a good way to save on your next trip, experts say
▼ + stars: | 2023-11-09 | by ( Greg Iacurci | ) www.cnbc.com time to read: +4 min

For example, flight searches more than doubled for several "dupe" destinations internationally, according to Expedia data. watch nowLikewise, flight searches to the island Curaçao, a stand-in for St. Martin, were up 228% in the U.S. and 185% worldwide. "TikTok popularized the idea of dupes … and the concept is increasingly taking off in the world of travel," Expedia said in a report published Wednesday. Internet search traffic in the U.S. for travel dupes spiked throughout 2023, peaking in July, according to Google Trends data. It's more than just the flight priceHowever, Hopper flight data indicates that not all dupes will necessarily pay off for travelers.

Persons: Klaus Vedfelt, Martin, TikTok, dupes …, Expedia, Hayley Berg, Hopper, Ho, Jon Gieselman, dupes, Sara Rathner Organizations: Digitalvision, Getty, Sydney, Expedia Brands, Auckland , New Zealand — Locations: Taipei, Seoul, U.S, Pattaya, Thailand, Bangkok, St, Perth, Australia, Liverpool, England, London, Hanoi, Vietnam, Ho Chi Minh City, Spain, Tenerife, Canary Islands, Barcelona, Phuket, Europe, Sydney, Nadi, Fiji, Auckland , New Zealand

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