Rate this post

As Vosa grows and articles get buried by dozens of new and equally amazing and useful articles it might be hard for you to find the specific article or tool that you remember reading about last week. I created this page as a reference guide for my most recommended credit cards, investment brokerages, free credit reporting sites, tools for eCommerce, business and life including my favorite books.

Best Airmiles Credit Cards For Big Signup Bonuses

Barclaycard World MasterCard: Earn 40,000 points good for $400 towards your next travel expenses when you spend $3,000 or more in the first 90 days from opening your new account while earning 2 points for every $1 you spend.  Enjoy 12-months of 0% balance transfer and intro APR when you add this travel tool to your wallet.  Great for domestic and international travel as this card does not charge you a foreign transaction fee when using it abroad.  You even earn miles when you spend your miles as they will give you a 10% bonus when you use your miles.  For example, if you use your 40,000 miles for $400 worth of travel you will earn 4,000 bonus miles which is good for $40 worth of travel expenses.  You can use your Barlcaycard World MasterCard to book through any airline, hotel or discount travel engine with no blackout dates or seat restrictions.  Click here to learn more.  (See my full review here.)

Hawaiian Airlines World Elite MasterCard: Earn 35,000 bonus miles when you spend $1,000 in the first 90 days of card membership.  Enjoy a complimentary checked bag for the primary cardholder when you use your card to book eligible tickets directly from Hawaiian Airlines.  A great card to get if you want to visit Hawaii with a friend or loved as as you will also receive a one-time 50% off a companion discount on roundtrip coach travel between Hawaii and North America on Hawaiian Airlines plus every year you will get a $100 discount off of your companion fare from North America to Hawaii.  You can also earn 5,000 bonus miles after you spend $10,000 in the first year of card membership.  Click here to learn more.  (See my full review here.)

US Airways Premiere World MasterCard: Earn 40,000 bonus miles with qualifying transactions and use those bonus points to book travel rewards starting at 20,000 points (which is 5,000 off the regular price!).  Enjoy first class check in and zone 2 boarding on all US Airway flights as well as 2 points for every $1 spent at US Airways.  Earn 1 point per $1 for all other purchases.  Every year you will receive 2 companion tickets for only $99 each.  Click here to learn more.  (How to use this card to hack a trip to Disney World.)


Best Credit Cards With Bonus Points For Hotels & Accommodations

The Wyndham Rewards Visa Signature: Earn 12,000 bonus points after your very first purchase and then earn 3 points per $1 spent on hotel stays at 14 popular hotels.  Earn 2 points for every $1 spent on everything else.  Participating hotels in the Wyndham Rewards Visa Card Program include Wyndham Hotels and Resorts, Wyndham Grand Hotels and Resorts, and Wyndham Garden Hotels Program also includes TRYP, Wingate, Hawthorn, Microtel, Dream, Ramada Worldwide, Night Hotels, Baymont Inn and Suites, Days Inn, Super 8, Howard Johnson, Travelodge, and Knights Inn.  Click here to learn more.

The Choice Privileges Visa Card: Earn 8,000 bonus points after your first purchase and earn an additional 24,000 bonus points after your first paid stay at any one of the Choice Privileges hotels.  Earn a whopping 15 points per $1 spent when you use this card to pay to stay at Choice Privileges hotels and earn 2 points for every $1 on all other purchases.  Qualifying hotels include Comfort Inn, Comfort Suites, Quality Inn, Sleep Inn, Clarion, Cambria Suites, Econolodge and more.  Click here to learn more.

Investing: IRAs, Online Trading & More

ScottradeScottrade: offers easy and affordable online trading for just $7 per trade as long as the stock price is over $1.  Scottrade was one of the first investment companies to offer online trading accounts when they launched Scottrade.com was back in 1996.  Invest with confidence knowing that your online trading platform has been built from nearly two decades of offering online trading accounts.  Trade from your computer and your mobile device and, for a limited time, get as much as $1,000 cash when you roll over an old 401k by April 15th.  Click here to open your account today.

Open an eTrade Accounte-Trade: Since 1982, e-Trade has been providing innovated financial services to individuals just like you while offering a full suite of easy to use online brokerage, investing and banking solutions at all while maintaining competitive pricing.  Headquartered in New York City, but available at 30 branches, over the phone and online (including mobile apps) e-Trade is an excellent choice to open your online trading account.

Online Banking: High Interest Savings & Checking Accounts

Capital One 360 Savings & Checking AccountsCapital One 360: One of the best things I ever did was open up a Capital One 360 account after I graduated college.  I set up an automatic payment plan where I would pay myself first to the tune of nearly 40% of my paycheck.  These funds collected higher interest rates then what I would have received at my local bank and over time I had enough to purchase my third rental property with 25% down.  The east at which you can set up automated savings plans and as many savings accounts, with nicknames, as you want makes this one of the most valuable savings tools on this page.  I highly recommend you set up a Capital One 360 account today.  (Click here to see how I set up my automatic savings plan for my 2014 Christmas present budget.)

Credit Reports, Credit Scores & Credit Monitring

Free Credit Score From Credit SeasameFree Credit Score: Credit Sesame is more than just a free credit score.  They will also monitor your credit score and sent you alerts and they will also run the numbers and tell you if you are overpaying on loans or credit cards.  Knowing your credit score is the first steps to improving your credit score.    Credit Sesame does not require a credit card to sign up and there are no trial periods.  Click here to et your credit score for free.

myFICO credit score and monitoringmyFICO Credit: Your FICO score is used in over 90% of all lending decisions and myFICO is the only place where you can get your FICO score from each of the three credit bureaus.  For more than 20 years the FICO score has been used as the trusted solution for lenders to make decisions on loans and interest rates.  A myFICO Score Watch Subscription allows you to monitor your credit score daily, grants you access to member-only custom tools, sends you FICO alerts via text message, email and/or an iOS app as well as gives you access to the patented FICO score simulator.  

Credit Repair: Improve Your Credit Score

Credit Repair Call 1-877-845-7655 now for your free consultationCreditRepair.comhas removed more than 577,758 items from people’s credit reports.  Having just one late payment or negative item on your credit report can dramatically lower your credit score.  If your credit score is lower than you want it to be, and/or you’re about to apply for a mortgage, auto loan, business loan or even just a credit card I recommend you see if credit repair is right for you with a free credit report consultation by calling 1-877-845-7655.


Turbo TaxTurbo Tax: makes it pretty hard to want to do your taxes anywhere where when they guarantee that your tax return will be 100% accurate and you will receive the maximum refund you deserve.  Don’t put off doing your taxes as the filing deadline is just around the corner.  Click here to get started preparing and printing or e-filing your simple tax return for free.  

eCommerce, Product Distribution & Shopping Carts

Shopify: Get a free 14 day trialShopify: makes selling online easy as pie.  You can literally have your new online store up and running today.  The Shopify platform is currently powering more than 90,000 online stores where they have access to 100s of templates and full control over your store’s design.  Let’s face it, being responsible for maintaining a data base of customers credit card information is not for amateurs.  If you’re going to start an online store, build it on the rock solid foundation that is Shopify.  Each plan includes unlimited secure hosing and the Shopify support team is available 24/7 because we all know that problems only like to happen at 3 in the morning.  Click here to start your free 14-day trial.

e-junkie: is an amazing little shopping card that you can use to distribute your digital goods for a very very very reasonable price.  It isn’t a full service eCommerce platform like Shopify, but if you are just looking to have some buy now buttons where people purchase your digital and/or physical goods then this is a great option.  They have automated delivery systems in place with helps you make money while your’e sleeping.  What’s not to love?

PayPal.com: I have been using PayPal since the late 1990s and have been a satisfied customer for all these years.  There are many payment platforms available to you to sell online, and I have considered some of them a number of times, but since I’ve essentially used PayPal problem free for more than 15 years now I’m sticking with the granddaddy of online payment processing.

Virtual Phone Systems

Grasshopper Internet Phone SystemGrasshopper: this is the phone system that I use to create a professional feel while still being able to answer calls from anywhere in the world (yes, that includes the beaches in Hawaii and the golf course!).  For as little as $12/month you can have the same sound and feel as a fortune 500 company which maintaining your location independence.  Click here to get a local or toll free number which you can forward to your mobile phone or landline, read your voicemails as emails and can be fully managed online or from your mobile device.  I have tried a couple of the online phone systems and Grasshopper is my favorite and the one I currently use.  Click here to get started with Grasshopper for free.

Books & Reading

Vosa Book Club:.   I read, almost exclusivery, non-fiction books about business, personal finance, psychology and lifestyle design.  Each month, in the Vosa Book Club, I recommend a book that I’ve read and loved and think you’d enjoy as well.  Click here to join the Vosa Book Club.  If you want to see all of my book reviews, click here.

1 FREE Audiobook RISK-FREE from Audible

Audible: When I was living and working in The Netherlands and had a walk, a train ride and a bike ride to get to and from work everyday I absolutely fell in love with audio books.  This is how I still “read” most of my books as I listen to audiobooks while driving, working out, cleaning the house, walking the dog and sometimes when I’m just listening to an audio book.  I have been an Audible Gold member since 2007.  (Click here to see how you can use Audible to read 2 times faster instantly.)

Amazon: I love being able to pack a virtual endless supply of books into my bag thanks to my Kindle.  Not only can you carry a ton of books in your pocket you can also download them from almost anywhere which is nice when you’re on a beach without a bookstore.

Vosa Insiders: This is our newsletter where Vosa Insiders’ have exclusive access to content that is not published online.





Disclosure:  Please note that some of the links on this page are affiliate links meaning that, at no additional cost to you, Vosa will earn a commission if you decide to make a purchase or use the free service.  Please understand that Vosa will never simply put a product or service on this page because of the small commissions we make if you decide to buy or use a one of the free services recommended above.  If you do not think that the product or service will help you ahcieve your goals, either your personal finance goals, travel hacking goals, or another goal please do not spend any money or sign up for that product or service.  Vosa cannot be held liable for any action, or inaction, you may take based on the products or services listed on this page or anywhere else on this website, in our newsletters and/or associated social media profiles, etc.  If you have any questions please contact us and review our disclosures, privacy policy and terms and services.  Thanks!