Travel rewards cards are a great option if you're a frequent traveler and accumulate points quickly. That depends on whether you frequently use one airline for travel and stay at one hotel chain. Travel Cards - Low Interest or Rewards Program? â You can get travel cards that offer no perks. These are mainly low APR or no annual fee cards. They help keep interest rate and costs down, but there is no way to convert your card usage into rewards. â If you have a good credit score and can manage your credit card balance, choose travel rewards credit cards â If a card comes with no annual fee for the first year, check what the fee would be the next year. If the fee cancels the benefits provided by the rewards program, choose another card. â If a card offers low or 0% APR for an initial period, check the regular APR to see if it would suit your habits Travel Rewards Cards - Types Travel rewards cards can be co-branded cards. That is, they're tied to a particular airline or hotel chain. These can help you get rewards and other benefits from loyalty programs. However, if you don't stick to a single airline or a particular hotel chain, don't get these cards. Bank travel rewards cards are far more flexible. You can earn more points on your regular use, and you can use the rewards earned at multiple airlines or hotel chains. Travel Rewards Cards - Benefits Look for a signup bonus on travel cards. However, you need to spend a high amount within the first 3 or 6 months of getting the card. You may have to spend anywhere from $500 to $4000 or more to get the points. Once you get the bonus points, it kickstarts your rewards system. Then you earn 1.5x points or more on travel related purchases. You'll also get at least 1 point per dollar spent on other purchases. Look for cards that give you high rewards, like 3 to 5 points per dollar spent on special categories like groceries, office supplies, dining and more. Most cards don't have an expiry date on the rewards accumulated as long as you keep the cards active. With bank cards, you can redeem your reward points at any airline or hotel. You may get even more benefits when you make your travel purchases though the card issuer's platform. Some cards offer other benefits like free baggage check-in. This can help you save a lot of money. A travel card with a good reward program can help you save hundreds or thousands of dollars in travel expenses every year. Use your travel cards optimally and accumulate rewards. You can even treat your family to a great vacation that you couldn't otherwise afford.

If it's great wine, scenic beauty and absolute luxury you seek for your next vacation, you cannot go wrong with Napa Valley. With 400 wineries, high-end resorts, cozy bed and breakfasts, upscale modern hotels, hot air ballooning, wine tasting, farmer's markets and even golf to boot, it truly is one of the best holiday destinations. Calistoga, Napa, St. Helena, Oakville & Rutherford, Yountville, and American Canyon are some of the towns in the valley and each has its own attractions. Calistoga is famous for its hot springs and mud baths; St. Helena is the picturesque one fine-tuned for the shopper in you; Oakville & Rutherford have some of the best Cabernet & Chardonnay wines in Napa Valley; Yountville is for the culinary fiend; Napa has some great night life and American Canyon is family friendly. A great place to just relax and simply soak in the culture, Napa valley is best enjoyed from the fine Bed and Breakfasts that pepper the locale. Whether it’s old world charm you seek or modern architecture that does it for you, there is something for every taste. Here’re three B&Bs that are worth every penny you've saved up for a vacation. Embrace Calistoga, 1139 Lincoln Avenue, Calistoga, CA 94515 – Blending old world luxury with modern day amenities, this European-style luxury inn, reportedly has one of the finest breakfast spreads in the Napa Valley region. Run by innkeepers Brent Riederger and Chris Johansen, it only has 5 rooms with each designed in a unique yet muted style. Hennessey House, 1727 Main Street, Napa, California 94559 – The Victorian architecture complete with saunas, spas, wine tours and tastings and of course a range of activities makes this one of the best places to vacation at. A short walk to the main attractions, like the Oxbow Market and Napa Valley Wine Train, simply sweeten the deal. With ten rooms making up the entire place owners Kevin and Lorri Walsh have earned the reputation of offering a relaxed vacation experience. Maison Fleurie, 6529 Yount St., Yountville, CA 94599 – Literally the “flowering house” the architecture is reminiscent of the sunny South of France. 13 rooms complete this boutique B&B that is a part of the Four Sisters Inns Classic Collection, and each room is a blend of modern luxury amenities and European charm. Located in a secluded part of Yountville the B&B is a welcome break from the high energy hotels and accommodations in the area.

How to keep your medical records organized Having papers strewn around you can be an overwhelming thing indeed. And medical records can get even more overwhelming because one is never sure which ones are to be kept, and which ones aren't. It is a wise to keep all your medical records on hand as it will be helpful for you in the long run. The trick is to organize these papers well so that you can easily access the exact report required, at any given time. Here are a few tips that will help you keep your medical records well organized: Create a Directory: When you are dealing with medical records for the entire family, you will benefit with the use of a directory. Create this directory and then allot a folder for each member of the family so that you can easily access the records of one particular member. Divide and Conquer: Segregate the information into seasonal allergies, chronic conditions, medication list, one time diseases like jaundice or chicken pox, vaccinations for children, and other such heads. This will help you put the correct report in the correct slot, instead of hunting through a pile of papers when you need one particular report. Labels: When you are dividing and filing the information under various heads, it is important to label each of these heads and then create an index of the colors and people they pertain to. This will also enhance the efficiency of your filing system. Go Paperless: You can also opt for a paperless system which will turn your reports into data encrypted documents. These can easily be stored on one’s computer and also, a virtual cloud based location which gives your doctor easy access to the same. It would still be beneficial to store the hard copies at home so that you do not have to get stuck in case the system does not function properly on any given day. When you decide to store your medical records, it would be a good idea to speak with your doctor and find out the priority and order of the reports. This will make it efficient for both, you and your doctor.

As your long-awaited trip approaches, you should start preparing and packing so that you are all set well in advance. You have probably made a mental to-do list; however, you should account for uncertainties and anything that could be a hindrance. Forgetting something important or booking the wrong tour are common mistakes that could ruin the trip. So, here are a few other errors to avoid for an ideal experience. 

Booking back-to-back flights
Avoid booking long flights with a short layover or inadequate buffer period. Delays are inevitable when flying; you may also need time to make it to the next connecting flight. If you are planning a trip that involves consecutive long-haul flights, make sure you account for a suitable buffer period to rest and recoup. 

Overpacking
Even if you are planning a long vacation, avoid stuffing every piece of clothing and accessory into your luggage. When you have multiple layovers and transfers, lugging heavy suitcases is something you want to avoid. Also, you can find basic amenities and essentials at your destination. Traveling light is the best solution to save space for things (like souvenirs) you buy on vacation.

Improper planning
Am overambitious itinerary can be a nightmare to follow, especially if you are traveling with family. Avoid overplanning as not everyone can keep up with a hectic schedule. Additionally, it may be impossible to have enough time to enjoy all events or visit all the spots according to the plan. Plan your travel itinerary in a way that allows covering as much as possible without causing exhaustion.

Carrying valuables
Why take your expensive laptop, gadgets, or jewelry with you on vacation? The whole point of the vacation is to escape the everyday humdrum. Further, carrying valuables is risky as they could be stolen or misplaced, and retrieving them in a foreign city could be challenging. 

Avoid making these mistakes to have a comfortable journey and a hassle-free vacation. You can pre-book guided tours online to enjoy local sights in places like Europe, which is one of the top destinations to visit. Book skip-the-line tours for popular hotspots, including the Sistine Chapel in the Vatican City, Rome Colosseum tours, Eiffel Tower in Paris, and the most popular guided skip-the-line Louvre Museum tour. You can also opt for walking and hiking tours across Italy and France's eclectic, ever-changing countryside.

Moreover, to make the most of your vacation, check out some of the top travel cards such as American Express® Gold Card, Capital One Venture Rewards Credit Card, Chase Freedom Unlimited®, and Capital One Venture X Rewards Credit Card among others. You may choose a specific travel card depending on your spending patterns and travel needs.

The blockchain technology has found many takers all over the world for its revolutionary way of decentralizing ledgers through digital transactions in fields such as real estate, sport, insurance, healthcare, data security, and so on. In late 2017, Coinbase, an American exchange platform, highlighted that cryptocurrency touched a record $19,340 in stocks at one point. The idea behind blockchain is to contain data on any transaction history. This cannot be manipulated by any external force, which has been a perennial problem traditionally in stock markets around the world. So, when there are buyers and investors wishing to use cryptocurrency, there may be more transactions and thus, its value is bound to increase with time. However, you must understand how to buy Bitcoin stocks and follow the set process. Coinbase is a go-to site to sign up for a Bitcoin wallet since it caters perfectly to any user or investor who has basic knowledge about Bitcoin and cryptocurrency and is still in the process of getting familiar with it. It has other currencies too such as Bitcoin cash, Ether, and Litecoin. You need to fill a form online with your basic personal details on it which shouldn’t ideally take more than two minutes. Your bank account, debit card, or credit card is the instrument which will be linked to the Coinbase account to buy or sell cryptocurrencies. If a bank account is used for Bitcoin online trading, it generally takes 4-5 business days for the transaction to be completed. These are recommended for bigger purchases and investments since as much as $11250 may be spent from a bank account every week. Debit cards are valuable for those who want instantaneous purchases. However, there is a much smaller limit of $1125, which is 10 times lesser than a bank account. Besides this, no cryptocurrency may be sold on it. The base rate of a transaction in the United States is 4% for either buying or selling. The site would pretty much look like a net banking page when you try to transact on it. Getting comfortable with Coinbase and automated Bitcoin investing is essential for an amateur investor to move on to Coinbase Pro. Moving assets to it is a simple process. On the home page, click ‘Deposit’ on the upper left corner and then choose the currency to be deposited in the account. Next, select the source of the deposit, which could be a bank account, any Coinbase wallet, or a private crypto wallet.

We all must have had at least one bad hair day in our lives. Log on to www.fantasticsams.com and never have your hair out of place again. Make an appointment at Fantastic Sams, one of the largest hair salon chains in the country and stay gorgeous always. Find a Fantastic Sams salon near you and allow the experienced stylists help you select your hair care products like their extensive line of Fantastic Sams shampoos, conditioners, and special styling aids. And, if you are trying Fantastic Sams for the first time, do not worry. If you are not happy with any of their products, Fantastic Sams salons have a “satisfaction guaranteed or your money refunded” promise. So, you could bring the product along with the register receipt back to the salon where it was purchased for an exchange or refund. Whether you have long or short hair, healthy or damaged hair, natural or permed hair, just walk into any of the 1,250 franchised locations across the United States and Canada and request any of Fantastic Sams affordable services for haircuts, styling, perming, texturing, deep conditioning, bang, neck or beard trimming, or brow or lip waxing services that they offer for men, women, and kids. The professionals at every Fantastic Sams Hair Care Salon are trained to do a face-to-face consultation in order to give the most personalized service to every customer. Moreover, Fantastic Sams salons offer coupons at periodic intervals. Check your local newspaper and the coupon mailings that are delivered in your postbox for discounts and special offers on their services. Make sure you call the specific Fantastic Sams outlet you want to visit beforehand and find out whether online or mail coupons of Fantastic Sams are accepted at those locations. Also, websites such as Coupons and RetailMeNot have Fantastic Sams coupons, so do check them out frequently for updates. You could also watch the popular Fantastic Sams hair care videos on YouTube and keep your hair looking fantastic while getting an exclusive offer. Alternatively, you could sign up for Fantastic Sams e-mail updates and enjoy incredible discounts. So, what are you waiting for? Get the Fantastic Sams coupons and save money now.