# Beginner Guides
Samsung Pay User Guide "2/13 Update: Points Devaluation, Earning Halved"
Samsung Pay quietly increased its point redemption ratio to 12,500 points for $50 (it used to be 10,000 points for $50, with up to 5,000 points also redeemable for $50). It also re...
Ten Questions About Credit Card Limits
A credit card's credit limit reflects how much you can spend on that card, and it is one way a bank evaluates your overall credit. A low limit can be inconvenient when making large...
Amazon Dash Button Guide [1/27 Update: Get Dash Wand and Come Out $5 Ahead]
You can now buy the Dash Wand on Amazon for $14.38 and get a $20 coupon after registration, which means you come out about $5 ahead. Think of the Dash Wand as the ultimate version...
Award Ticket + Infant Ticket Booking in Practice (U.S.–China Flights)
A high-difficulty award booking: from a small U.S. city to a second-tier city in China, plus an infant ticket and multiple checked bags. I’d say I came up with a pretty good soluti...
Reader Case Study: How to Book a One-Way Hawaii-to-Mainland Ticket for 17,500 Singapore Airlines Miles
TD booked two tickets from Maui back to Columbus using Singapore Airlines miles, at just 17,500 KrisFlyer miles + $5.6 in taxes per person....
An Introduction to Dynamic Currency Conversion (DCC) — Travel Savings Guide (2)
When using your card outside the U.S., watch out for the DCC trap....
Foreign Transaction Fee (FTF) Explained — Travel Savings Tips (1)
Before I start this series, let me briefly introduce myself. Hello everyone, I'm the new author milesgod. My interests are travel, cards, and points. In the future I'll be writing...
DIY U.S. Passport and Visa Photos
While Walmart, CVS, and Walgreens all offer passport photo services, they’re pretty expensive—usually around $15 for two photos. For students, that can feel like a serious budget h...
Beginner Notes (2): Choosing a Second Credit Card
Last time, I shared my experience applying for my first credit card. I believe everyone now has a basic understanding of how credit cards work. This time, I mainly want to share my...
Beginner Notes (1): Getting to Know Credit Cards
I first came to the US in August 2016 and got my SSN that same month. My credit history started in October 2016, so at this point it has been 11 months. I currently have 6 credit c...
How to Buy a New Car in the U.S. (With My Personal Experience)
An introduction to buying a new car in the United States, covering how to define your needs, select the right models, get a fair price, negotiate, arrange financing ahead of time,...