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If you’ve ever flown British Airways long-haul from the U.S. to London, you’ve probably lingered when walking past those sleeper seats in the “Club World” section. They don’t just recline, they lay fully flat. You won’t run the risk of a small child kicking the back of your chair for hours before you endure the endless escalator rides at Heathrow. Thanks to this spring’s special offer from Chase’s British Airways Visa Signature Card, you can treat yourself to this luxury for about the same price as a standard coach class ticket.

Right now, Chase offers a staggered signup bonus for new British Airways Visa Signature cardholders. British Airways calls their frequent flyer miles “Avios,” and you’ll earn 50,000 of them as soon as you use your new Visa card. Make $10,000 in purchases, and BA credits your Executive Club account with 25,000 more Avios.

Land your final bonus of 25,000 more Avios once you’ve cleared $20,000 in purchases during your first year. After that, you can spend 80,000 Avios and about $1,100 in upgrade fees to book yourself that luxury flight.

Saving Avios and flying on the cheap

You don’t always have to splurge on a sleeper chair, though. Your 100,000 bonus Avios are plenty to cover the cost of two “World Traveller” round trip base fares between London and any of BA’s stateside hubs in New York, Philadelphia, Chicago, and Washington, D.C. This isn’t a discount airline you’re flying, either. British Airways’ coach seats on these flights resemble other airlines’ business classes. You get a private entertainment system, hot meals, and impeccable service from a flight crew that only gets testy if you don’t give them the chance to serve you.

The special smart chip you won’t see on other travel credit cards

Only a handful of American credit cards include the embedded smart chip that you’ll need to make routine purchases in Europe. Chase puts that “EMV chip” front and center on the British Airways Visa, and you’ll appreciate it when your travels take you off the beaten track. To combat fraud, many European merchants won’t accept American magnetic stripe credit cards outside of common tourist areas. The EMV chip saves you time and hassle, especially if you want to use any automated parking meters or vending machines during your visit.

No foreign transaction fee

Your $95 annual fee buys you another important perk that you’ll find on few travel rewards cards: no foreign transaction fee. Chase makes the process easy for frequent U.K. visitors: charge your card in pounds sterling at no extra fee, while enjoying Chase’s best currency conversion rate for the day of your purchase.

Rewards and risks of airline credit cards

Of course, British Airways is still a traditional airline, with a typical frequent flyer system. Regular BA travelers say that the 2012 Olympics and London’s business boom have made reward seats scarce, unless you plan your free trip far in advance. You’ll also have to pay redemption fees, airport service fees, and other taxes on each reward ticket.

If you value flexibility in a travel credit card, consider the Capital One Venture Rewards Credit Card instead. You’ll earn as much as 2 percent back on your everyday purchases, in the form of statement credits that you can redeem against any of your travel expenses. Still, given the high price of transatlantic airfare, the British Airways Visa Signature offers tremendous value, if you’re willing to jump through a few hoops.

To take advantage of the 10,000 Avios offer, apply for the British Airways Visa Signature Card from Chase today. You will need excellent credit in order to be approved, and be aware of the $95 annual fee.

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If you’ve ever browsed through the television guide, you might have seen that there are a good number of television shows dedicated to the real estate industry. House Hunters International, Million Dollar Listing, Extreme Makeover: Home Edition, and Real Estate Intervention are just a few of the cable or network television shows designed to allow the real estate industry and home improvement companies advertise and reach a wide audience of consumers.

Just looking in my own town, with recently-built single-family homes typically asking $700,000 and above, it makes me wonder how anyone can afford to live where I do. The entire town can’t consist of upper-level executives and business owners who comfortably earn $350,000 a year, can it? One town over, house prices typically range from $1 million to $2 million, but there’s no upper limit. This is clearly a location for well-off individuals. And considering I may be looking to settle down and buy real estate, I’ve been trying to get an understanding of local real estate forces.

BasketballBut celebrities — the top echelon of movie stars and athletes — are in their own class.

Michael Jordan is selling his 56,000 square-foot home, asking $29 million for the house in a suburb of Chicago. The house features an indoor basketball court with its own parking lot and access and a wine and cigar room.

Jerry Seinfeld is offering up his Colorado mansion for $18.25 million. His property is much smaller than Michael Jordan’s at only 14,200 square feet. The property sits on 26 acres, while Jordans’ only includes 7 acres of land. Compare this to my apartment, which is around 1,300 square feet. This is only one of the television star’s vacation properties, with 11 bedrooms and a spa.

Rapper 50 Cent has had his Connecticut mansion on the market since 2008, when the recession was in full swing. His original asking price of $19 million has dropped to $10 million, still higher than the amount he paid to buy the property from Mike Tyson’s ex-wife, $4.1 million.

Celebrities live in a different world, where dropping millions of dollars on a property is commonplace.

Photo: John-Morgan
CNN

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Small businesses often require a substantial line of credit early on to survive the start-up stage. In a perfect world, everyone would have the cash to fund their start-up but it’s not always that easy. These days, finding a bank that can lend to small businesses is extremely difficult, so one of the alternatives is to fund a business is by selecting a small business credit card from the list of best credit card deals here.

Small business credit cards have been around for a while, but some of the most well known lenders like Advanta were causalities of the economic recession. This is a list of the best small business credit cards you can find online today. Along with each card, the list includes a summary of the advantages of its use for a small business.

Editor’s choice

Ink Cash(SM) Business CardInk Cash Business. My pick for the best small business credit card is the Ink Cash Business from Chase. New cardholders can earn up to $250 cash back from initial purchases — $100 just for making your first purchase on the card, and another $150 if you spend $5,000 on purchases within the first three months.* Cardholders earn 5% cash back on the first $25,000 spent annually on office supply store purchases, cellular or landline phone service, internet and cable TV services.* Earn 2% cash back at gas stations and restaurants on the first $25,000 spent annually and 1% cash back on everything else.

In addition to the great cash back offer, the card comes with other perks. The Ink Cash Business has a 0% introductory APR on balance transfers and purchases for twelve months. Owning the Ink Cash Business card costs nothing, as the card carries no annual fee. Finally, adding additional cardholders is a snap because again, Chase charges no fee. In terms of rewards, introductory offer and overall quality, the Ink Cash Business is an all-around solid offer.

Ink(SM) ClassicInk Classic Business The point rewards version of the Ink line, the Ink Classic Business card is designed for small business owners who have excellent credit. Holders earn one reward point on all purchases, two reward points on the first $25,000 spent annually at gas stations and on hotel accommodations* and five reward points per dollar on the first $25,000 spent annually on office supply store purchases, cellular or landline phone service, internet and cable TV services.* The Ink Classic Business carries no annual fee, has a 0% introductory APR on purchases and balance transfers for twelve months, and allows for additional cardholders at no cost. This card currently offers up to 25,000 bonus points — 10,000 bonus points after your first purchase and 15,000 bonus points after you spend $5,000 in the first three months* that’s redeemable for $250 towards travel, gift cards, experiences and more.

Ink Bold(SM) with Ultimate Rewards(SM)Ink Bold with Ultimate Rewards. The only charge card to make this list of best small business cards, the Ink Bold with Ultimate Rewards is the card for the ultimate business owner. Cardholders can earn 25,000 bonus points after your first purchase plus an additional 25,000 bonus points after you spend $10,000 in the first three months of card ownership. That’s up to 50,000 bonus points which can be redeemed in rewards of your choice. You’ll earn five points per dollar on the first $50,000 spent annually on eligible business purchases. The $95 annual fee is waived for the first year.

True Earnings® Business Card from Costco and American Express. A rival to the Ink Cash Business Card, the True Earnings Business Card from Costco and American Express has a tiered cash back system worthy of ranking at the top. Cash back rates of 4% on gasoline purchases ($6,000 maximum spending), 2% on travel and restaurants and 1% on everything else (including gas when you’ve reached your spending limit) offer cardholders the opportunity to grow their business and earn a little back. If you use this card to pay your Costco membership each year, there is no annual fee. This card comes with a 0% introductory APR offer on purchases for six months.

SimplyCash(R) Business Card from American Express OPENSimplyCash® Business Card from American Express OPEN. The SimplyCash Business Card from American Express OPEN is a fantastic small business credit card. This card opens by offering a 0% introductory APR on purchases for up to 12 months depending on the applicants credit history and in terms of cash back, this offer is one of the best. Cardholders receive 5% cash back on office supply and wireless purchases, 3% cash back on all automobile gasoline purchases and 1% cash back on everything else. Cashback is automatically credited every month and there is no annual fee to own the SimplyCash Business Card from American Express OPEN.

The Plum Card® from American Express OPENThe Plum Card® from American Express OPEN. The rules on how to maximize rewards on the the Plum Card from American Express OPEN are simple. Since this is a charge card, you must pay your bill off in full each statement and if you do that within ten days of the statement date, you’ll receive a 1.5% discount on all purchases. This effectively means that should you always pay on time. This card includes a number of perks, but also has a $185 annual fee. Luckily for small business owners, that annual fee is waived during the first year.

Starwood Preferred Guest® Business Credit Card from American Express OPENStarwood Preferred Guest® Business Credit Card from American Express OPEN. American Express is at it again, offering the Starwood Preferred Guest Business Credit Card from American Express OPEN for small business owners who frequently find themselves in hotels. You can earn 10,000 Starpoints after your first purchase and 15,000 bonus Starpoints after spending $5,000 during the first six months of owning the card — up to a total of 25,000 bonus Starpoints. Customers earn four Starpoints are earned for every dollar spent on all Starwood Hotel and Resort stays and one Starpoint for every dollar spent on all other purchases. The annual free of $65 is waived for the first year. The Starwood Preferred Guest Business Credit Card from American Express OPEN has a variable purchase APR of 15.24% – 19.24%.

Disclaimer: This content is not provided or commissioned by American Express. Opinions expressed here are authors alone, not those of American Express, and have not been reviewed, approved or otherwise endorsed by American Express. This site may be compensated through American Express Affiliate Program.

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As more consumers in the United States are jumping on the smartphone and tablet bandwagon — personally, I contribute to this mess with one of the latest phones with Android software as well as a first-generation iPad — there’s less room in the limited airwaves for customers’ needs to access the internet and occasionally make telephone calls over mobile networks. Mobile carriers are doing what they can to preserve what remains of the spectrum, usually by increasing prices or limiting bandwidth.

The idea behind the peak oil movement is that in the future — and sometime soon — the world will not be able to efficiently produce as much oil as the citizens of the world need to consume, and due to the imbalance between supply and demand, prices for oil (and thus everything else that relies on oil) will skyrocket. Peak oil has been proven difficult to predict.

TabletUnlike peak oil, wireless carriers know how much spectrum they have left before they can’t support any additional traffic over the air. The situation is similar to real estate. There’s only so much available land for construction, and as the available land in any area with adequate demand is sold, the pressure of the lack of supply drives prices up. Dish Network, for example, has a significant amount of unused spectrum, and it would like to sell what it isn’t using to a wireless provider that desperately needs the spectrum to satisfy its customers.

As companies need to devote more of their resources towards increasing spectrum — whether through consolidation attempts in the industry like AT&T’s purchase of T-Mobile — or through buying spectrum from other owners at a high price — and as companies use pricing to limit customers’ use of the spectrum, the cost for a family or an individual to receive the same level of service is going to increase.

Save money on your cell phone bills

You can keep your cell phone bills in check:

  • Use a service like Validas to make sure you’re paying for the best mobile plan for you.
  • Compare prices across carriers. Don’t just consider the mainstream plans with the major carriers; pre-paid mobile phone plans could cost less.
  • Consider skipping internet-enabled devices. If all you need to do is talk, you can save yourself the expense of the latest high-tech phones and stay on a less expensive voice plan.
  • If you have other telecommunication services, like cable television and home phone, consider bundling these services to save money.
  • Call and ask for a discount. Sometimes, you can get a price break just by asking. Don’t threaten to leave, though, unless you’re willing to live up to that promise.

I’m currently paying over $100 per month for my mobile phone service with Verizon Wireless, which includes my phone with 4G smartphone service as well as a 3G service for my iPad through a separate device. How much do you pay for your mobile phone service? Are you prepared for this cost to increase in the next year or two as companies fight over remaining broadband spectrum?

Photo: @iannnnn
CNN Money

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Motivation for Multiple Streams of Income

by Evan
Television remote control

This is a guest article by Evan, creator of My Journey to Millions. In the article, Evan discusses what motivated him to move forward with earning multiple streams of income along this journey, and takes a motivational approach to inspire readers to improve their personal finances. Take a moment and just think about what you ... Continue reading this article…

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Podcast 144: Best Things to Buy During Winter

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How Is Your Budget Doing These Days?

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A Financial Festivus for the Rest of Us

by Flexo

To all those who celebrate, have a successful Festivus. I’ve come to be a fan of this secular “holiday,” celebrated every year on December 23 following its mass introduction to the public through an episode of Seinfeld. At its core is a non-commercial, non-religious approach to the season. While I do enjoy gift exchanges with ... Continue reading this article…

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