5 Credit Card Benefits You May Not Know About

5 Credit Card Benefits You May Not Know About-min

These perks can make holiday spending a bit easier

SHARE

Share on facebook
Facebook
Share on google
Google+
Share on twitter
Twitter
Share on linkedin
LinkedIn
5 Credit Card Benefits You May Not Know About-min

When you’re spending big at the holidays on appliances, electronics, and other big-ticket items, having a credit card that gives you a zero-percent interest period or cash back is a real plus.

But did you know that many credit cards also help extend a product’s warranty or replace goods that are damaged or stolen? Some even give you your money back if you change your mind after the merchant’s return period has ended.

“I think consumers are in the dark about some of these ancillary benefits that truly are very, very valuable,” says Bill Hardekopf, the CEO of LowCards.com. “They don’t know about them because they’re not heavily promoted.”

Here’s a look at some of the more popular perks. Not all cards offer all of these benefits, so check with your issuer to see which ones you have, and carefully read the terms and conditions of each.

Protection From Product Damage or Theft

You slept on your comfy new mattress Sunday night. On Monday, your aging cat left a wet spot that no deodorizer could mask. Purchase protection to the rescue!

Purchase protection—also called purchase security, or damage and theft purchase protection—replaces items bought on a card that are lost, damaged, or stolen. The sorts of goods protected and the window of time after the purchase vary by card.

Premium rewards credit cards with high annual fees are typically more likely to have this benefit compared with cash-back cards that charge no annual fee. The American Express Platinum Card, for example, offers purchase protection, but has annual fee of $550. But we also found that the Chase Freedom card, with no annual fee, offers the benefit.

The maximum you can be reimbursed per item ranges from $500 to $10,000, with a cap of $50,000 in claims per year, per card. Most cards extend protection for 90 to 120 days after purchase. Read your card’s benefits or rewards page carefully to see what yours offers.

“As with any of these perks, there are going to be exclusions, maximum benefits, and details in the fine print that you’ll need to understand,” says Matt Schulz, chief industry analyst at CompareCards.com.

Extend Your Warranties

It’s easier to decline the extended warranty the dishwasher salesman’s pushing when you know your credit card has your back. Some credit card issuers automatically add a year or two to the manufacturer’s warranty. Credit cards that offer this coverage cap benefits, typically at $10,000 per claim and $50,000 per account.

For instance, if you buy a new video doorbell with the Costco Anywhere Visa by Citibank, you’ll get 24 months of extended warranty coverage. (The Costco Anywhere card, which can be used at other retailers, also offers damage and theft purchase protection.)

Julian Kheel, senior industry analyst with ThePointsGuy, a website covering points, miles and credit cards, used this benefit to get a TV fixed after the manufacturer’s warranty had expired. 

The claims process is time-consuming, he notes. With these programs, you’ll need to file a claim and provide documentation if your eligible purchase is in need of repair and is outside the manufacturer’s warranty period. If approved, you’ll typically receive a check or statement credit reimbursing you for repair costs, replacement costs, or the original purchase cost.

“You have to decide if the game is worth the hoops you have to jump through,” Kheel says. “My TV was worth a few hundred dollars, so it was worth it. But for something that’s just $10 to $15 it may not be worth your time.”

Pay Less With Price Protection.

You buy the air fryer your sister wants, only to find the same product elsewhere for less a few days later.

No worries! Credit cards with price protection pays you the difference between the higher price you paid with your credit card, and lower price you ruefully discovered later. 

For instance, if you buy an eligible item with the United TravelBank Card and then see it advertised for less in print or online within 90 days of purchase, United TravelBank will pay you the difference, up to $500 per item, to a limit of $2,500 per year. 

With purchases made with the Wells Fargo Visa Signature card, you can receive payment for the price difference if you see the items advertised for less within 60 days of purchase. The protection covers up to $250 per individual item, and up to $1,000 year. 

As with the other benefits, there are caveats. So you’ll want to check with your card issuer for how these benefits work if they’re offered. For instance, to be eligible for price protection with both the United TravelBank and Wells Fargo credit cards, the item has to have been purchased in the United States. Some items aren’t eligible for price protection—including jewelry, antiques, perishables, holiday decorations, and items bought on auction sites. 

It may not be so easy to find a credit card that offers price protection, though. “It’s a victim, to some degree, of technology,” Kheel says. “Too many people were using automatic apps to track prices, and then filing claims.”

In addition to the cards mentioned above, the HSBC Premier World Elite Mastercard and the Navy Federal More Rewards American Express card offer price protection. (The United Club Card also has price protection, but with an annual fee of $450, it may not be worth your while.)

Return Unwanted Purchases

If the cookware you bought for yourself didn’t pan out, return protection can save you from having to toss it or give it away. The perk reimburses you for an item you no longer want, even if the merchant’s return policy has expired. 

“Most stores have a return policy of 30 days,” Kheel says. “This protection extends the protection for 90 or 120 days.”

For example, American Express offers return protection for up to $300 per item (and $1,000 per card each year) on eligible items within 90 days from the date of purchase. Mastercard offers return protection for up to $250 per claim with a maximum of four claims per cardholder during a 12-month period. The protection is valid on eligible items within 60 days from the date of purchase.

Cell Phone Insurance

You dropped your smartphone while taking a selfie, and the darned thing has never been the same since. If the credit card you bought it with has cell phone insurance, you could be in luck. 

The coverage protects against damage and theft, typically up to $600 or $800, depending on the card issuer. You have the coverage as long as you pay your cell phone service bills with your credit card. Keep in mind that, as with cell-phone insurance you pay for, there may be a deductible with any claim.

A number of card issuers have added this benefit recently. Mastercard, for instance, announced earlier this year it was adding it to its World and World Elite cards, Kheel notes. But it’s not widely available yet. “Some issuers have been slow to add this to their card, so you have to ask,” Kheel adds.

Los Angeles, CA

© Laundry Bubble 2019 All Rights Reserved

Houston Laundry Price

Huston, TX Laundry Prices

No service fees. No Delivery fees. No subscription fees of any kind.

All orders minimum $25.00

Wash and Fold

$1.50 / Pound

Perfect for all of your everyday laundry needs, returned freshly washed and nicely folded - including paired socks! Price per pound, except for select household items.

Hang Dry

$2.50 / Pound

Perfect for delicates, activewear, and other clothing that should avoid heat from the dryer. Machine washed and hung to dry. Price per pound, except for select household items.

Other household item Prices

Price per item*

  • Bath / Kitchen Mats $5.00
  • Dog Beds $15.00
  • Blankets $15.00
  • Comforters / Duvets $30.00
  • Tablecloths $15.00+
  • Bed sheets Per pound

Houston, TX Dry Cleaning Prices (Coming soon)

Price per item* delivery in 2 days

  • Coming soon

Pasadena, CA

Laundry Bubble®
Address: Houston, TX
Phone: (424) 272-6063
Email: info@laundrybubble.com

© Laundry Bubble 2019 All Rights Reserved

6 Steps to Get Your Laundry Room Under Control

6 Steps to Get Your Laundry Room Under Control
6 Steps to get your Laundry Room Under Control

Why clean the Laundry Room? No one sees it anyway.

Well, that may be true that no one sees it. However, you are reading this guide, so I’m assuming you are the person in charge of doing laundry in your house. That means that YOU see the Laundry Room regularly. No one likes to work in the middle of junk and clutter. It just makes things take longer…and ain’t nobody got time for that!

Is This Going to Be Hard?

Hmmm. Maybe. It depends on the current state of your Laundry Room and how willing you are to work. I do know that when things are hard and we rise above them, the success is only that much sweeter. So even if your Laundry Room really is a disaster, don’t let that deter you. Use it as motivation to get moving. You’re going to love your results.

How long will it take me to complete all of the steps?

Well, that depends on how fast you work, how focused you are to get finished, and the current state of your Laundry Room. I will give you this piece of advice: If you give yourself a deadline, your cleaning project will move along at a quicker pace.

1. Gather the items you’re going to need.

All big projects need to start with a good plan. Plan for success right from the beginning by knowing what you’ll do with all of the extra stuff your Laundry Room contains.

Gather the following items and have them easily accessible:

Several trash bags. You’re going to have things to throw away, so make sure you’re not piling them up somewhere else. Go ahead and put the throwaway items in the trash bag and don’t give them a second thought.

Containers for donations. Without a doubt, I always find things that can be donated to Goodwill-clothes I don’t want to save, sheets that we don’t have a mattress size to fit, curtains that we’ll never hang, etc. There’s little doubt this will be an issue for you, too, so have a donation container ready.

The biggest laundry basket you own. Laundry Rooms can be catch-all places. When you find items that don’t belong in the laundry room, put them in the basket so you can put them away at a later time. Don’t just put those random items in a corner to sort through later, go ahead and put them in the laundry basket so you can easily tote it from one room to the next as you put items away where they belong.

2. Determine the purpose of your Laundry Room.

It may seem obvious, but determine what your laundry Room is really for.

Ask yourself these questions:

Is my room only a laundry room? If so, are there other random items that need to be removed and stored elsewhere?

If your laundry room must be multi-pur-pose: What are the ways in which this room must be used? Are there designated uses, or do we just throw everything in there?

Your Laundry Room might double as a mud room or a craft room or maybe your laundry room is in the basement and is also a storage space.The only goal of this step is to figure out what your particular Laundry Room is used for.

Once you determine the actual purpose of your room, it is much easier to decide what stays and what goes. If you do have a Laundry Room that must double as another room, look at the end of this page for maintenance tips.

3. Assess with a fresh set of eyes.

6 Steps to get your Laundry Room Under Control

This step is only going take 1, maybe 2 minutes. But it’s crucial to getting your Laundry Room under control.

Stand at the door of the room or closet so you can visualize whole space.

Make a few mental notes about what needs work: The floors? Do you need to declutter first? Is the room covered in lint and dust? Is it really not that bad and you just have a few random items to put away?

Look at your Laundry Room with a fresh set of eyes. If your mother-in-law was standing in the doorway, what would she see?

4. Decide what must happen first.

5. Get all clean & dirty clothes out of the Laundry Room.

For clean clothes that just need to be folded, go put those on your bed. If you sabotage yourself, you’re sure to get them put away. If you have children that are old enough to help, put them to work folding and then scurrying around to deliver clean clothes.

For clothes that need to be washed, put them in a laundry basket you’re not using, pile them high in your laundry sorters, or even put them in a trash bag.

Whatever you do with them, put the dirty clothes in some type of container so they aren’t strewn all over everywhere. You’re going to need to wash them soon, so keep them all together so you don’t have to hunt them down again.

6. “big cleaning”

You prepared yourself for this step in Step 1 and now is the time to complete it. This is what I would consider the “big cleaning” of the room.

After you’ve decided where to start in the room, have a plan for every item you touch. If you need to throw the item away, do it. if you need to give it away, put it in the designated bag. If it stays in the room, put it where it goes.

If you are serious about really cleaning the space you’re working in, this is not the time to be sentimental. make your decision quickly and then act on it.

Now, I am a sentimental person. I cherish all of those little onesies and it breaks my heart into a million pieces when I think about parting with them. So what do you do with things like that?

I put them in a box, tape it up, and label what’s inside. If I can’t make a decision about it because it’s sentimental, I save it for another time when I might not feel so attached (whether that’s in a year or ten). It’s better to pack it up and get it out of the way, then continue to trip over it and live in chaos and clutter.

laundry tips

A few tips if your Laundry Room doubles as another room

Keep all like products together.

This sounds like a no-brainer, but it really does bear repeating. If you must store your bulk purchases in your laundry room, make it easy on yourself. Keep all detergent bottles together, all fabric softeners together, and so on.

Don’t haphazardly put your products in the room. It makes it too hard to find them when needed. You don’t want to waste money buying more detergent when there are 3 bottles in your laundry room floor, but you can’t find them.

when you store your products, face them with labels out like you would see on a grocery store shelf. It looks nice and neat and you can easily see what your need.

Buy organizational items that are needed.

If your laundry room must also double as a landing area/mud room, buy the organizational items that make it run smoothly.

A shoe shelf, a bin for all sports equipment, or a hanging tack for book bags and coats can make an enormous difference in a room.

make a plan for each item in the room.

If your laundry room/mud room must function as a place to do laundry and a spot to hang coats and store shoes, then piano books and sewing supplies do not belong in there.

Just because a laundry room must double as a catch-all room, doesn’t mean it has to catch everything. If there is an item in your room that doesn’t have a home in the laundry room, it needs to be stored elsewhere.

Los Angeles, CA

© Laundry Bubble 2019 All Rights Reserved

5 Steps to building your dream wardrobe. [1] Be selective

5 Steps to building your dream wardrobe .

Reserve your closet space for items you love 100 percent

SHARE

Share on facebook
Facebook
Share on google
Google+
Share on twitter
Twitter
Share on linkedin
LinkedIn
LAUNDRY SERVICE LOS ANGELES

Training yourself to become more selective is the single most effective thing you can do to upgrade your wardrobe. Try to think of your closet as an exclusive, members-only club. Only pieces that you love and are truly excited to wear get an invite. Anything ill-fitting, scratchy, worn-out, barely “good enough,” or that simply doesn’t suit your personal style is not invited. Now, it may seem common sense to not buy things you don’t really like all that much, let alone keep them in your closet or even wear them, but, in reality, we often make do with imperfect things:

And why do we do all these things? Why do we spend our money on stuff that we don’t even like? Why do we put up with clothes that are uncomfortable?

Because it’s easier, at least in the short term. It takes less mental energy to just make a quick decision and buy that top you need for an event at work, even when you don’t really like how it fits around your bustline, than it is to spend another hour looking for one you really love. It’s easier to just keep wearing your worn-out, stretchy pair of jeans than it is to go through the oftentimes exhausting process of finding a pair that fits the individual contours of your body perfectly. Most people are also more comfortable just putting up with battered feet after a night spent in ill-fitting heels than admitting that those eighty dollars were not well spent. In the same way, it’s easier to keep telling yourself you’ll fit into your old favorites again someday, even though they’re now two sizes too small, than it is to let go of them.

Of course, all these decisions make life easier only right in that moment. In the long run, having to keep readjusting a skirt that rides up with each step or deal with straps that painfully dig into your shoulders each time you wear a no-good piece is way more stressful. It’s also stressful to have to comb through piles of clothes each morning just to find one acceptable outfit. And of course, if what you wear is important to you, not being able to find anything you truly love will affect your confidence levels eventually, and that’s stressful too.

In the long run, putting more effort into selecting the right piece always pays off.

But because of our natural human tendency to conserve energy in the short term and choose the easiest route when possible, being more selective when it comes to your wardrobe is something you actively have to practice.

As you work through this blog, you will come across many different techniques that will not only help you be more selective but also make the process feel easier. You’ll learn how to assess the quality of potential new wardrobe additions and how to recognize pieces that may look great on the hanger but won’t feel good on your body by the end of a long day. You’ll develop strategies for how to resist clever marketing ploys, de-stress your shopping

experience, and prevent impulse buys and other less-than-ideal purchasing decisions. And most important: You will become more and more aware of your own personal style and individual wardrobe needs and eventually be able to tell in an instant whether an item suits your style and works with the rest of your clothes or not.

Los Angeles, CA

© Laundry Bubble 2019 All Rights Reserved

How to take care of your pet

HOW TO TAKE CARE OF YOUR PET

Dailey schedule

SHARE

Share on facebook
Facebook
Share on google
Google+
Share on twitter
Twitter
Share on linkedin
LinkedIn
take care of your pet

Los Angeles, CA

© Laundry Bubble 2019 All Rights Reserved

Facts About the Earth

Facts About the Earth

Scientists have calculated that Earth is 45.5 billion year old.

SHARE

Share on facebook
Facebook
Share on google
Google+
Share on twitter
Twitter
Share on linkedin
LinkedIn
Facts About the Earth

Los Angeles, CA

© Laundry Bubble 2019 All Rights Reserved

How To Brew The Perfect Cup Of Coffee

Start your brew with the best beans and water.

SHARE

Share on facebook
Facebook
Share on google
Google+
Share on twitter
Twitter
Share on linkedin
LinkedIn

Important factors in choosing your beans.

The Roast: light vs dark

The Kind: Arabica, Robusta or a blend

The Origin: which country which region

The Grind: coarse vs fine

Golden Ratio: 1 to 2 tbsps of coffee for every 6 oz. Of filtered water.

The right tools for your preferred style.

Get the right grind for your method.

Different processes and equipment need different sizes. Espresso machines need fine, tightly packed grounds.

Go with filtered water. Especially if your tap water tasted odd.

Know your brewing method.

Read up on the right water temperature for your chosen method. Ideally good coffee should be brewed at a temperature between 195 to 205-degrees Fahrenheit.

Make sure your equipment's clean.

Coffee can leave behind an oily residue that can turn rancid. This will make your coffee bitter, or sour. Get rid of this by regularly cleaning all of your equipment.

Read up on brewing time, Too!

Brewing time can be as short as 20 to 30 seconds for espresso, or as long as 12 hours for cold brew.

Make sure your equipment's clean.

Pour your coffee in your favorite mug. And cream and sugar if you wish. Bring out a plate of cookies. Pick up your favorite book. Enjoy your coffee your way.

Los Angeles, CA

© Laundry Bubble 2019 All Rights Reserved

FICTION VS. NON-FICTION

Comparing the two types of literature.

SHARE

Share on facebook
Facebook
Share on google
Google+
Share on twitter
Twitter
Share on linkedin
LinkedIn

© Laundry Bubble 2019 All Rights Reserved

HOW TO WRITE AN EFFECTIVE COPY

Highfalutin words can make a copy dense and unappealing.

SHARE

Share on facebook
Facebook
Share on google
Google+
Share on twitter
Twitter
Share on linkedin
LinkedIn

© Laundry Bubble 2019 All Rights Reserved

VOLUNTEERING

Reasons to give it a try.

SHARE

Share on facebook
Facebook
Share on google
Google+
Share on twitter
Twitter
Share on linkedin
LinkedIn

Health

Volunteers say that they feel better physically, mentally and emotionally.

Purpose

Volunteers feel a deeper connection to communities and to others.

Stress

Volunteering helps people manage and lower their stress levels.

Engagement

Volunteers are more informed, engaged and involved in managing their health.

In a charity and volunteer organization survey of people who volunteered for the first time.

100% felt good and happy. 

50% felt physically healthier.

75% felt a need to volunteer again.

How to start

If you want to know more about where you can volunteer, here are some places to visit to help you get started. 

  1. community
  2. online
  3. church

© Laundry Bubble 2019 All Rights Reserved