Wednesday, September 25, 2013

Vote For Jason Steele For Best Freelance Writer



Update: The voting has ended, and I have made the list of finalists. 
Thank you to everyone who voted!


FinCon, the financial blogger's convention will be occurring in October in St. Louis. The Plutus awards will be held at this event, recognizing the top bloggers in the country.

This year, I have been nominated for Best Blog Contributor or Freelance Writer and I would like your vote.


This link will automatically fill in myself and Credit.com for the relevant categories, you just have to add you name and email address, any other votes, and click 'Nominate' at the bottom (there is no way to just vote).

Why I deserve to win

The last year has been a fantastic year for me. I have been honored to be a freelance contributor to many of the top personal finance and travel blogs including:

In addition, my work is regularly picked up by mainstream outlets such as:
  • MSN Money
  • Yahoo! Finance
  • Huffington Post
  • ABCNews.com.
  • CBSNews.com
  • FoxBusiness.com
  • Business Insider
  • Any many others...
Some of the work that I am most proud of includes:

I have also made several appearances on radio shows including:






Monday, September 16, 2013

What’s On The Points Guy’s #BucketList?


Brian Kelly, AKA "The Points Guy," and his dog Miles.

Disclosure: Sponsored by Capital One. The opinions expressed herein are those of the author and are not indicative of the opinions or positions of Capital One.

Over the past few weeks, I have been sharing what’s on my travel #BucketList over at Wise Bread, here at Steele Street, and on my Twitter page @SteeleStreet. 

Recently, I had a chance to catch up with Brian Kelly, The Points Guy, one of America’s premier experts on reward travel. Even though I have met him several times and have been a contributor to his site since early 2012, I have always wanted to know how he emerged to be a leader in the industry, and what is on his own travel #BucketList. Just back from his latest trip to South Africa, he agreed to answer all of my questions.

First thing everyone reading this will want to know is, what is on your travel #BucketList?

I'm going on a cruise to Antarctica this December and doing Australia in February, which will complete all 7 continents. I am looking forward to seeing Sydney, visiting the Great Barrier Reef, and enjoying the beach during their summer and our winter I also want to explore more of Africa- from hiking with the gorillas in Rwanda to safari in Tanzania.

Did you grow up in a family that travels frequently, or was it something you got into later?

I started using my dad's points from his business travel to book our family of six on a trip to Grand Cayman every winter since I was 12, but beyond that and some domestic travel, we weren't a huge international traveling family. I didn't go to Europe until I hopped on a $300 mistake fare to Ireland and from that point on I was hooked, with later that year studying abroad in Madrid, which is one of my favorite cities to this day.

Were you always into earning travel rewards, or was there a moment when you realized how valuable travel rewards could be?

I started young, but then forgot about them when I moved to NYC after college and was just focused on paying rent! Then I got a job at Morgan Stanley traveling extensively and I saw the points and elite status rack up quicker than ever before. It was during the Great Recession in 2008 - 2010, yet I was still taking trips to the Seychelles for fun and jetting around the globe, which prompted just about everyone I knew to always ask me how I did it. That’s when I started ThePointsGuy.com and it has been an exciting ride ever since!
Vrede Lust Vinyards
So is it your love for travel or traveling with rewards that led to the launch of The Points Guy Web Site?

I first started it to offer an award booking service at $50 a ticket, which quickly grew to something bigger than I could handle while still working a full-time job. In June 2010, I started blogging and decided to write at least one post every day- something most other bloggers weren't doing at the time. Nine months later, Seth Kugel of the New York Times Frugal Traveler got in touch and wrote a really glowing piece about my site and the entire points world. That was the day I resigned at Morgan Stanley and knew that I was onto something bigger.

Your followers know that you have visited some of the best destinations in the world and have had some amazing travel experiences getting there along the way. How much of your travel is about the journey and how much is about the destination?

It is always about the destination. If I could teleport, I would do that to avoid flying, though luckily my miles/points allow me to travel in relative comfort. That being said, a bed in first class still pales in comparison to my own King size bed, or that of a suite at my favorite Park Hyatt. So for me it is always about the destination and meeting new people and trying new foods.
These days I don't mileage run (take flights for the sake of accruing miles) because my time is valuable and there are so many other ways to rack up points a lot easier.

How many places have you checked off your #BucketList?

I've been lucky to travel quite a bit, but I'm only 30 and there are so many more places to see! I haven't really explored the Middle East or the South Pacific yet, so they are still on my list. But some of my favorite #BucketList trips I've done so far have been South Africa (Cape Town, wine country and Kruger safari- probably my best trip ever), Seychelles, Paris, Easter Island, Hawaii (highly recommend Kauai), Tokyo, Cambodia and more.

What do you recommend to consumers who want to book a #BucketList vacation? Can you offer some tips to readers looking to book a #BucketList trip?

Don't think that anything is impossible. Where there’s a will, there’s a way- especially if you have the right frequent flyer miles and credit cards!

How do rewards cards help you get to a #BucketList destination?

Rewards cards drastically reduce the out of pocket cost- especially if you're flying in business or first class where fares can get astronomical when flying internationally.

What are your favorite gadgets and smartphone apps that make travel easier and more rewarding?

I always travel with my  QuietComfort 15 acoustic noise cancelling headphones and of course, my Apple iPhone 5.

You just wrote about Cape Town being your new favorite destination, what are three things everyone must see there if they are taking a #BucketList trip there, either as a single traveler or with family?

South Africa’s Wine country is a must.  My favorite winery is Vrede en Lust. It has both great history and wine! I also went diving with sharks at Gansbaii. For families, the table mountain cable car and hike is a great option.
Table Mountain Cable Car
 
Do you have any questions for Brian? If so, Leave a comment below.




Tuesday, August 20, 2013

Why A Rewards Credit Card Is Good To Have When Checking Items Off Your #BucketList

 
The Wings and Waves Waterpark in McMinnville Oregon

Disclosure: Sponsored by Capital One. The opinions expressed herein are those of the author and are not indicative of the opinions or positions of Capital One.

According to a recent Capital One survey, money is the most commonly cited reason why people don’t travel to a destination on their #BucketList. And over half the people who do, don’t use travel rewards. 
Sure, I am an expert in travel rewards, but I still find that to be amazing. 

I think that travel actually represents ‘the low hanging fruit’ of the personal finance world. As someone with family all around the country and all over the world, I know that travel will always be a large part of my budget (even if I didn’t have so many destinations on my #BucketList). A typical trip can cost thousands of dollars, and it just makes the most sense for me to spend my time looking for savings there rather than clipping coupons for 50 cents off of peanut butter.

Last week, I shared my Bucket List over at Wise Bread; the list of places that I had to visit sometime in my life. Everyone has a list like this either written down or in their dreams. But how do we turn a list like this into reality if we still need to plan for the rest of our lives? Like so many other costly dreams, the answer lies in our personal finances.
Have you ever gone on down a water slide out of a 747?
How rewards credit cards help you save for your next dream vacation

As a personal finance expert, I always pay my credit card statement balance in full every month, so it just makes sense to charge all of my purchases to it in order to earn the most rewards. With every jar of peanut butter and every tank of gas purchased, I earn credit card rewards that I use to fulfill my family’s dreams. For example, with a Capital One Venture Rewards Card, you earn double miles for all purchases, and each mile is worth one cent each as a statement credit towards any travel related expense, and better yet, these miles never expire. This includes airfare, hotel, car rentals, train trips, cruises, and tours. So that’s the equivalent of 2% of your spending back in the form of travel rewards that can be purchased the way your normally do.

How to take great vacations with your credit card rewards

Let’s say that a family uses its credit card as a method of payment for all of its daily expenses including gas, groceries, entertainment, and even some utilities. A family that charges $2,000 a month will earn $480 a year worth of rewards, using the Venture card that offers two miles per dollar spent. $2,500 a month earns, $600 a year worth of rewards, $3,000 earns $720 and so on.

When it comes time to book your dream trip, that money can be used to stay at any hotels, rent any car, or fly on any airline. For example, one item on my #BucketList is to stay at the Jules Undersea Lodge in Key Largo, Florida. Underwater packages for two people start at $800 and include pizza delivery, although filet mignon and lobster is available. Since you can’t use hotel points there, the only way to use credit card rewards is with miles from a card like Venture Rewards.
Yes, it is as fun as it looks!
5 tips on how to get the most out of your rewards cards

Since so many people are just getting started earning credit card rewards, allow me to share a few tips on how to get the most rewards possible:

1. Use a credit card as your primary method of payment. Credit cards offer unmatched convenience and security, so rewards are just one of the many reasons I reach for plastic whenever possible. For example, I have been able to earn credit card rewards when I pay my bills for cell phone and Internet service.

2. Choose the right card. I have written reviews on nearly every credit card offered, and I can’t tell you how many reward cards just don’t measure up. Many cards offer a mere 1% cash back or only one mile per dollar spent. Take your rewards seriously and look for the card that offers the most valuable rewards.

3. Always pay your balance in full. Credit card rewards only make sense for those who avoid paying interest on their charges. Those who carry credit card debt should be looking for the lowest interest rates, and not worry about rewards.

4. Use your rewards. It sounds obvious, but so many people save their rewards for years and never get around to using them. Eventually, some forget about them while others miss their chance in life to take their dream vacation for one reason or another.

5. Don’t overspend. Use credit cards as a method of payment, but never spend more to earn rewards. Even the best returns will never offset the cost of making unnecessary purchases.

The beauty of credit card rewards

Sure, we can analyze the value we receive from each dollar spent using a rewards credit card, just like we calculate the value of our investment portfolios. But these programs are not investments; they are rewards for our loyalty. When it comes time to cash in our rewards, our miles offer us the perfect opportunity to check off an item on our #BucketList.

I invite you to join in and share your Bucket List. You also can visit Capital One's Tumblrpage and submit some of the experiences that are on your bucket list. We will be selecting a few and you may have it brought to life in a cool illustration.

So, what's on your travel #BucketList? Have you taken any trips on your #BucketList lately? If not why haven’t you? Go ahead and share it with me via a tweet, a comment on this post, or link to a video.