How Our Friends Flew From The US To All 3 Disney Parks In Asia Without Winning The Lottery

Going to see the Disney Theme Parks in Shanghai, Hong Kong and Tokyo are bucket list trips for many Disney fans. However most people never try to make the trip because it seems out of reach to them. The excuses that people most often give is that the flights are too long or the airfare is too expensive.

When I saw a post on Facebook from one of my friends saying that he and his wife just returned from Japan, I commented that I was so happy for them. I know they’re big Disney fans and I was thrilled they got to see Tokyo Disney. We talked a bit and I discovered that, in fact, they just returned from an epic 10 day trip where they visited all three of the Disney theme parks in Asia. On top of that, all their flights were booked with miles and they flew exclusively in business and first class the whole way. #FTW

It’s with his permission that I’m now going to share how they were able to go on this trip and pay almost nothing out of pocket for airfare. I’m quiet jealous of some of the flights they took, and am remembering that Sharon and I still haven’t been to Hong Kong or Shanghai.

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Why Do Banks Make Everything So Difficult?

Over the past week, I’ve had to deal with issues from three different banks. Needless to say, it’s been a long week. I don’t understand why, when dealing with a bank, every transaction must be difficult. It’s like pulling teeth to get anything accomplished. When everything is difficult, I tend to get introspective and think, “Maybe I’m the one that’s difficult to deal with.” I’m looking for some objective opinions, is it me or is it the bank?

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How To Avoid Extra Credit Card Fees During International Travel

Going on an international trip is very exciting but it can also be very expensive. Using a credit card to pay for purchases when traveling internationally is often the best way to get a good exchange rate and the rate your bank gets will be better than the one you’ll get on your own if you exchange cash. Using a card also means that you don’t have to carry around a bunch of cash with you. However, many cards will add on a “foreign transaction fee” to any transactions made with anything except your home currency. Here’s an easy way to keep from paying that extra 2-3 percent on all of your purchases while away.

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Chip & PIN Cards & Why You Should Have One

By now, I’m sure you have a credit card with a chip, or EMV chip to be specific, in your possession. It’s that thing on your card that makes the person at the checkout tell you, “You need to use your chip in the bottom thingie,” or makes them say when you try to insert your chip card, “We don’t use that chip thing yet, so you need to swipe your card.”

amex-everyday-preferred
That thing on the left side of the card is the “chip”

In the U.S.A., we like the think we lead the world in just about everything, but when it comes to credit card security we are decades behind the curve. EMV ( Europay, Mastercard and Visa) chip technology was introduced back in the 1990s and rolled out throughout Europe in the 2000s. The chip in the card is used to confirm the information instead of reading the information off the magnetic strip on the back. This technology is harder to counterfeit and, supposedly, cuts down on fraud. The banks in Europe rolled out this technology first because credit card fraud was, at the time, much more common there. When the chip cards were introduced and helped prevent fraud, the criminals went to the least protected market, the USA, so they could continue with the scamming. Lucky us.

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