# Beginner Guides
Practical Uses of 0% APR Purchases and Balance Transfers [Updated 2020.4]
During the pandemic, some people may be facing cash-flow difficulties. In that situation, making good use of credit card purchases and Balance Transfer 0% APR offers can be a great...
How to Buy Masks in the U.S. During the Pandemic and How to Wear Them Properly
Hi everyone, I’m Jeremy. As the COVID-19 pandemic continues to spread, “masks” have become hard currency around the world. Of course, there is still debate in different countries a...
What I Bought During the COVID-19 Pandemic (Food, Protective Supplies, Fitness, and Home Security)
I hope this article can give everyone some ideas on what to stock up on during the pandemic....
Summary of ways to return to China from North America (amid the global COVID-19 pandemic)
With the global pandemic worsening rapidly, return tickets to China have become extremely difficult to find, and prices have shot up. This post outlines the routes and flights curr...
Hyatt and MGM Status Match: Don’t Forget to Match from MGM to Hyatt
Earlier, we mentioned that after getting Caesars Diamond through Wyndham, those who are eligible can go to certain MGM hotels to match to MGM Gold, or here instead (both require an...
What to Do If Your Credit Card Has a Negative Balance (Negative Balance)
A negative balance on a credit card means the amount you owe is negative—in other words, you don’t owe the card issuer money; the card issuer owes you. You can rest assured that th...
Can You Misreport Your Income When Applying for a US Credit Card?
Income is an important part of any credit card application. So can you exaggerate your income to get approved for a card? Are there any legal issues involved? Here’s what you shoul...
Ride the Train to Moscow Like in “Jiong Ma”
The film “Jiong Ma,” released on the first day of Lunar New Year, reignited interest in a legendary train that has been running for 60 years. I fondly remember riding this green gi...
Lake Baikal Trip Guide: Route, Transport, Accommodation, Food, and Gears
I’ve finished my summer travel notes on Lake Baikal, so it’s time to move on to Moscow. These are some quick tips from the Baikal region. If you’re going there sometime, be sure to...
Renewing a Chinese Passport in the U.S. (My Experience at the Los Angeles Consulate)
I recently renewed my Chinese passport at the Chinese Consulate in Los Angeles because my old passport was about to expire. Below is my experience and the overall process. Be sure...
Plastiq | A Trick for Getting Lower Fee Promotions
Yesterday, Plastiq sent many people targeted 1% fee promotions (up to $10,000 total across three payments, through the end of the year). You can schedule next year’s bills in advan...