# Beginner Guides
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,...
Save Money on Cell Phone Plans: An Introduction to MVNOs! "5/19 Update: Cricket $40 Plan Data Increased to 4G"
[Mar 1 Update] Cricket Unlimited Plan has dropped from $70/month to $60/month. With a group of five, the price is $40/month/line. Existing users on the original $60 plan may need t...
How Banks Process and Approve Credit Card Applications
What happens after you submit a credit card application? Why are some applicants instantly denied while others are instantly approved? What exactly are banks looking at? In this po...
Stay Calm If Your Hotel Overbooks
In the frequent-traveler world, it’s not only airlines that overbook—hotels do it too....
"Closed for Good, Farewell" Splender Cashback Portal Guide
Splender has finally reached the end of the road, and you can no longer earn cashback through it. If you have more than $9.99 in cashback in your account, it will still be paid out...
How to Apply for a US Credit Card: Step-by-Step Guide
This article walks through the full process of applying for a US credit card, including what documents you need and what key application terms mean, so your application can go as s...
Guide to Connecting in the U.S. and Entering the United States
If you're connecting to the U.S. through the Middle East, take note: the U.S. Department of Homeland Security recently introduced a new rule banning large electronic devices in car...
Introduction to Free After Rebate (FAR) Deals
A beginner’s guide to Free After Rebate deals, plus a roundup of current FAR offers so you can start profiting too!...