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In this guide, we'll give you a crash course on how to quickly earn credit card rewards and book free travel. If everyone in the world expertly utilized credit card rewards to travel for free, there wouldn't be such amazing travel opportunities out there. Identify your travel goalsBefore you begin collecting credit card rewards, you should first identify your travel goals. Recommended credit card strategies for beginnersThe best practice for anyone new to credit card rewards is to invest in flexible points. You'll need: An annual fee-incurring Hilton credit card One of the greatest deals in credit card rewards is the free night certificate that comes with select American Express Hilton credit cards.

When using a credit card, it's important to pay your balance in full each month, make payments on time, and only spend what you can afford to pay. You can pay rent with it, you can get your oil changed with it, or you can pay your credit card bill with it. You'll be hard-pressed to find a cash-back credit card that offers such a high return on select spending. Alternative: The Citi® Double Cash Card is another wildly popular credit card for all your non-bonused spending. The card earns 1% back when you make a purchase and 1% back when you pay your credit card — giving you effectively 2% back for all your spending.

We are diversifying our income streams, maintaining a robust emergency fund, and keeping our pantry fully stocked. But beyond our regular jobs, we are looking for new ways to diversify our income streams. Maintaining a robust emergency fundA robust emergency fund has always been the cornerstone of my financial plans. But if all of our income streams dried up, I do know that we'd have some time to figure out our next move. Beyond taking a careful look at our holiday spending, we've started to look for other ways to cut down on our costs.

☆ Valvoline will be a 'faster growing' business after a planned split, RBC says in new outperform rating
▼ + stars: | 2022-12-06 | by ( Sarah Min | ) www.cnbc.com time to read: +2 min

Valvoline is a "compelling" buy for investors ahead of a planned split, according to RBC Capital Markets. "[We] think VVV will be a faster growing, higher margin business, with strong [free cash flow] generation," Shemesh wrote in a Tuesday note. The analyst expects Valvoline will have a "long runway of revenue growth and FCF" before greater electric vehicle adoption becomes an issue. "Bottom line – while accelerated EV adoption poses a risk to Valvoline, we think the risk lies further in the future than most would think," Shemesh wrote. Still, the analyst expects further upside from here.

☆ Here are Tuesday's biggest analyst calls: Tesla, Apple, JPMorgan Chase, GE, Starbucks, Costco & more
▼ + stars: | 2022-12-06 | by ( Michael Bloom | ) www.cnbc.com time to read: +7 min

Here are Tuesday's biggest calls on Wall Street: UBS reiterates Apple as buy UBS said Apple's iPhone supply chain headwinds are abating. Cowen reiterates TJX Company as outperform Cowen said it's feeling more bullish on the stock after a series of recent management meetings. Piper Sandler reiterates Tesla as outperform Piper said reports of Tesla cutting production in China are mostly overdone. Bank of America reiterates Chipotle as buy Bank of America said the Mexican chain restaurant has "price elasticity." Oppenheimer upgrades General Electric to outperform from market perform Oppenheimer said it's starting to see strong execution from GE .

☆ Analysis: COP27 loss and damage fund heralds 'new dawn for climate justice'
▼ + stars: | 2022-11-20 | by ( Megan Rowling | ) www.reuters.com time to read: +8 min

Yeb Saño, head of Greenpeace Southeast Asia, said the fund's approval "marks a new dawn for climate justice." While the loss and damage fund would not be enough to deal with growing climate losses, "it is a much-needed political signal to rebuild broken trust" between rich and poor nations, he said in a video statement. Their opposition was rooted in fears of being held financially liable for the impacts of their historically high greenhouse gas emissions. FOSSIL FUELS MISSINGPolitical figures had urged countries at COP27 to set aside geopolitical fights in order to keep climate action on track. Manuel Pulgar-Vidal, global climate and energy lead for environmental group WWF, who presided over COP20 in Peru, said leaders had missed the chance in Egypt to speed up the rapid and deep emissions cuts essential to limit climate damage.

☆ I've made $305,000 in revenue in the last year as a money coach. Now the business pretty much runs itself — here's how I set it up by focusing on one new product.
▼ + stars: | 2022-11-19 | by ( Chloé Daniels | ) www.businessinsider.com time to read: +12 min

Chloé Daniels is a money coach who sells a course that makes her thousands a month. The gross revenue I made from my first year as a full-time business owner was $305,000, with about $45,000 of expenses. By recognizing I had to scale, bringing in an expert, and focusing on one funnel and one product. When I started shopping for a business coach, I was nervous because there are so many problematic business coaches who teach people how to run a business despite never having run a business before. So many content creators create a course or digital product and push it out to their audience without a funnel.

☆ Michigan investigation into missing man Eric Lee Franks continues over a decade later
▼ + stars: | 2022-10-23 | by ( Veronica Fulton | ) www.nbcnews.com time to read: +22 min

And he actually moved out to California for a while and worked on some small sets,” Chad told Dateline. Arndt told Dateline. Arndt told Dateline. “They've done a limited amount of checking or processing on that room years and years later,” Chad told Dateline. Arndt told Dateline.

☆ My partner and I reduced our cost of living by 80% and saved over $100,000 after moving into a van. Here why it's the best decision we've made.
▼ + stars: | 2022-08-03 | by ( Pollyanna Brown | ) www.businessinsider.com time to read: +6 min

This is how van life has enabled them to save $108,000 since 2020, as told to PollyAnna Brown. In September 2020, I got a management company to bring me brand deals for user-generated content — content that aligned my channel with sponsored items. By cutting our expenses, growing my business, and doing van life our way, we've saved $108,899.92 in just over two years. Van life also requires more oil changes, and we had to increase our phone plan so that we could hot spot for WiFi. That's how we've approached van life, and we love it.

To get the best deal buying a car online, do everything you would do at a dealership. Online car shopping has become far more mainstream during the pandemic, and it's likely here to stay. If you're looking to buy your next car online, here's what you need to know to make sure you're getting the best deal possible. If you want to test drive the car you're considering, it's still possible, even when shopping online. "Pick out a car online, and then go to a local dealer and take a test drive of that vehicle," he told Insider.

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