Quick Summary Step 1: Confront the Numbers. You can’t fight an enemy you don’t understand. The first step to tackling credit card debt is to create a master list of all your …
Phillip Rosenheinrich
Phillip Rosenheinrich
Phillip, who is the founder of Pointalize, has simplified credit card rewards into straightforward and practical strategies. He has traveled to 62 countries and employs his knowledge as an IT Program Manager with more than 11 years of experience to assist the readers in transforming points into first-class travel experiences. He has an M.Sc. in Computer Science and Economics.
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Quick Summary The best perks are often hidden in the fine print. While welcome bonuses are flashy, the real long-term value of a business card lies in its built-in insurance and protection …
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What Day of the Week is Best To Book a Flight
10 minutes readQuick Summary Forget the myths about “What Day of the Week is Best To Book a Flight”: It’s about the booking *window*, not the day. The old advice to “book on a …
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The Essential Digital Nomad App Stack for 2025
11 minutes readQuick Summary Your phone is your office, not a toy. For a digital nomad, the right apps aren’t for entertainment; they are critical infrastructure for productivity, finance, and logistics in an ever-changing …
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Travel Gear That Actually Saves You Time at the Airport
10 minutes readQuick Summary The core takeaway for time-saving travel gear is to focus on efficiency, not just accumulating more stuff. The best gear simplifies airport processes like packing, security screening, and finding essentials. …
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Error Fares: A Guide To Finding Insanely Cheap Flights
9 minutes readQuick Summary Error fares are temporary pricing mistakes caused by human or technical glitches, offering flights for a fraction of their normal cost—think New York to Rome for $180 round-trip. Speed is …
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Why Travel Insurance Matters More Than You Think
9 minutes readQuick Summary Medical emergencies are the single most important reason to get insured. Your domestic health plan likely offers little to no coverage abroad, and foreign hospital bills can easily reach tens …
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Hidden Tricks Airlines Don’t Want You to Know
8 minutes readQuick Summary Airlines earn billions by layering fees—baggage, seat selection, boarding, and payment surcharges—on top of base fares; understanding these charges lets you avoid unnecessary costs. Bag policies vary widely: most major …
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Travel Hacking 2025: Best Credit Cards & Strategies
6 minutes readQuick Summary The core of travel hacking is a simple system: use the right travel credit cards for everyday purchases to earn credit card points and airline miles, then redeem them for …
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Increase Credit Limit Without Hard Pull (2025 Guide)
8 minutes readQuick Summary Know the difference between a soft and hard inquiry. Asking your issuer for a credit line increase may trigger a hard pull, which can shave a few points off your …