I’ve Never Been Happier About Spending $19 For A Service I Didn’t Use

I’m not a gambler. I guess that’s why I’m not a fan of going to Las Vegas. On the other hand, I’ll gladly earn fewer rewards points for a purchase if the card provides better insurance coverage. I guess I’m willing to pay to limit my downside exposure but I don’t want to take risks for a large return.

That’s why I’m totally happy about spending $19 extra for coverage that I didn’t have to use on a recent trip.

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Should You Get The Chase Sapphire Reserve or Sapphire Preferred?

Chase offers two personal credit cards that are marketed to those who want to earn travel rewards. There’s the Sapphire Preferred, which is great for those getting into the points and miles world, offering transferrable points to both airline and hotel programs and bonus points for travel and dining expenses. The newer Sapphire Reserve is the luxury card for the Ultimate Rewards program. It has a higher annual fee but offers additional benefits than the Preferred.

When I wrote that I was considering getting rid of all my premium cards, the one that people seemed to be the most attached to was the Sapphire Reserve. They pointed out the reasons it’s worth paying the extra money over the Preferred, some of which I was aware of and some that I wasn’t.

So I decided to take a closer look at the two cards and see where they are the same and where they differ. Only then could I really know if the extra money for the Reserve is worth it.

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“Surprise Gift” In Hotel Room, What To Do About Unfair Rental Car Fee, How To Tell If Redemption Is Good, & More!

Happy Sunday to all of our travel friends, both near and far! Here are some articles we’ve read from other bloggers (and other sources) that we think you may like, as well, so we’re passing them along.

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Why I’m Considering Ditching All Of Our Premium Credit Cards

What do you think of when you hear the phrase premium credit card. Exclusivity? Luxury? Benefits? Perks? For a while, these cards offered all of these.

The grand daddy of the premium card is the American Express Centurion card. A card that’s so exclusive AMEX has to invite you and no one knows the requirements to get said invitation. What we do know is that the card has a $7,500 initiation fee and a $2,500 annual fee. Since I occasionally run a cash register for my day job, I’ve held a few of these cards over the years. It’s wasn’t nearly as exciting as I hoped.

Personally, I’m not at that level. However, I was able to get a base level of premium card from all the major banks. American Express Platinum, Chase Sapphire Reserve and Citi Prestige. So why have I reached the point where I’m considering not holding any of these cards?

Here’s the reason:

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Some Restaurants Are Adding Surcharges To Help Pay For Employee Health Care

As if how much you should tip a restaurant server wasn’t enough of a point of contention, now there’s something else we can debate about – apparently some restaurants are adding a surcharge to their customers’ bills to help pay for the business’ employees’ health care coverage.

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