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Credello: These Are the Best Credit Cards for Booking a Cruise This Year

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NEW YORK (Newswire.com) – Credello: Planning a cruise can be an exciting experience, but when it comes to making payments, having the right credit card can enhance your experience even further. Not only can you take advantage of rewards and benefits, but some credit cards offer specific perks for booking cruises. Let’s explore the best credit cards for booking a cruise this year, considering overall benefits, flexibility, and simple rewards. 

Understanding How a Credit Score Works

Before we delve into the best credit cards for booking a cruise, you need to be able to answer the question, “How does a credit score work?” Your credit score is a numerical representation of your creditworthiness and is used by lenders to evaluate your credit risk. It takes into account various factors such as payment history, credit utilization, length of credit history, types of credit, and recent credit inquiries. A higher credit score indicates a lower credit risk, making qualifying for credit cards with better rewards and benefits easier.

For example, is 700 a good credit score? A credit score of 700 is generally considered good and can open up several opportunities for obtaining credit cards with attractive perks and favorable terms. It demonstrates responsible credit management and makes you a desirable candidate for lenders. With a good credit score, you are more likely to secure higher credit limits, lower interest rates, and better rewards on credit cards. Maintaining a good credit score by making timely payments, keeping credit utilization low, and managing your debts responsibly is important.

Best Credit Cards for Booking a Cruise

1. Chase Sapphire Reserve

The Chase Sapphire Reserve credit card offers exceptional benefits for booking a cruise. It provides a generous sign-up bonus, flexible redemption options, and travel credits that can be applied to cruise bookings. Additionally, cardholders can enjoy airport lounge access, travel insurance, and valuable travel rewards.

2. Capital One Venture X Rewards Credit Card

The Capital One Venture X Rewards Credit Card is another excellent choice for booking a cruise. It offers a competitive rewards program, including a substantial sign-up bonus and a high earning rate on all purchases. The card also provides travel benefits, such as statement credits for travel expenses, making it ideal for cruisers.

3. Chase Sapphire Preferred Card

The Chase Sapphire Preferred Card is a versatile option for cruise bookings. It offers valuable rewards for travel and dining expenses, along with a sign-up bonus. The points earned can be transferred to airline and hotel partners, maximizing their value for cruise travel.

4. Capital One Venture Rewards Credit Card

The Capital One Venture Rewards Credit Card is an excellent choice for those who prefer a straightforward rewards structure. With this card, you earn a fixed rate on all purchases, and the rewards can be redeemed for statement credits toward travel expenses, including cruises.

5. Bank of America Premium Rewards credit card

The Bank of America Premium Rewards credit card offers a straightforward rewards program, making it a convenient choice for cruisers. It provides elevated rewards on travel and dining and valuable travel benefits, including statement credits and travel insurance.

Bottom line

When booking a cruise, having the right credit card can enhance your experience and help you earn valuable rewards. Remember to maintain a good credit score to increase your chances of qualifying for these top-tier credit cards. With the right card in hand, you can set sail on your dream cruise while enjoying the rewards and benefits that come along with it.

About Credello

Credello is a financial tech company offering a personal finance tool that simplifies financial decisions through personalized, on-demand recommendations — so users can borrow, save, or invest with confidence. Credello believes that finding the right financial product should be as easy and interactive as online shopping, and we are on a mission to make that possible. For more information, please visit https://www.credello.com

Source: Credello

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Lifestyle

5 Evolving Trends on End-of-Life Matters

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end-of-life

(Family Features) One of the most difficult conversations many people have in their lives involves the end of life. While often uncomfortable to think about or discuss with others, talking about and sharing end-of-life wishes should be a common occurrence.

In fact, 91% of Americans believe talking about death and dying is healthy and normal, but 1 in 4 (27%) are uncomfortable actually doing it, according to a first-of-its-kind survey commissioned by the National Funeral Directors Association (NFDA), the world’s leading and largest funeral service association.

With nearly one-third (31%) of survey respondents admitting they’re uncomfortable thinking about their own mortality, Remembering A Life, the organization’s online resource for accessing grief resources and funeral planning information, is offering a free downloadable guide, Start the Conversation, to help family and friends have meaningful conversations about loved ones and how they’d like to be remembered. By requesting the free download, you’re eligible to win a deck of Have the Talk of a Lifetime Conversation Cards, which help families start the conversation in a fun, informal setting.

The survey revealed a need for finding healthy ways to discuss death and end-of-life plans with friends and family, as well as new generational trends, highlighting Gen Z’s unique perspective about end-of-life matters. Consider these notable survey insights:

  • Talking about death: While 9 out of 10 Americans surveyed believe talking about death and dying is healthy and normal, Gen Z (18%) is significantly more likely than older adults to believe it’s not healthy and normal – bucking the generation’s reputation as open and willing to discuss difficult and controversial topics. Those uncomfortable with talking about death cited not wanting to upset others (37%) and considering it too depressing (34%).
  • Preferences for burial and cremation: Over the past several years, the U.S. cremation rate has increased steadily (60.5% in 2023) and the trend is forecasted to grow to 81.4% by 2045, according to NFDA’s 2023 Cremation and Burial Report. While cremation is still a top preference for Baby Boomers (66%), Gen X (50%) and Millennials (42%) – and half of all Americans overall – Gen Z stands alone with traditional burial as its top preference (37%).
  • Importance of funerals: Americans strongly agree funerals provide time to reflect on another’s life (59%) and are for the living to help them grieve and heal (57%). What’s more, 68% of Gen Z believe it’s important to commemorate the life of a loved one with a funeral or memorial service compared to 44% of Baby Boomers.
  • Comfort with the idea of death: According to the survey,2 in 3 adults (69%) are at least somewhat comfortable thinking about their own eventual death and 7 in 10 (73%) are at least somewhat comfortable talking with others about death. More Baby Boomers (33%) are comfortable thinking about their mortality than Gen Z (24%) and Millennials (28%).
  • Communicating preferred funeral plans: Nearly two-thirds of adults (62%) have discussed their preferred funeral plans with family members. Similarly, 64% have had family members communicate their preferred plans to them. Baby Boomers (75%) are most likely to have shared plans while Gen Z (59%) are most likely to have not communicated their funeral plans.

To access the free download and additional free resources for discussing end-of-life plans, including checklists and brochures, visit RememberingALife.com.

Photo courtesy of Shutterstock


SOURCE:
National Funeral Directors Association

Our Lifestyle section on STM Daily News is a hub of inspiration and practical information, offering a range of articles that touch on various aspects of daily life. From tips on family finances to guides for maintaining health and wellness, we strive to empower our readers with knowledge and resources to enhance their lifestyles. Whether you’re seeking outdoor activity ideas, fashion trends, or travel recommendations, our lifestyle section has got you covered. Visit us today at https://stmdailynews.com/category/lifestyle/ and embark on a journey of discovery and self-improvement.

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Health

Sleep Apnea is More Than a Snore

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(Family Features) Snoring throughout the night. Gasping for air suddenly while sleeping. Feeling tired after a night of rest. These aren’t just signs of a poor night’s sleep – they could be symptoms of obstructive sleep apnea.

Sleep apnea is a serious sleep disorder characterized by a repetitive collapse of the airway during sleep. Most people with sleep apnea don’t even know they have it – in fact, 80% of people with sleep apnea in the United States are undiagnosed, according to research published in the “American Journal of Epidemiology.”

Experts from the American Academy of Sleep Medicine (AASM) recommend most adults get at least seven hours of sleep each night without waking frequently. If you have untreated sleep apnea, healthy, uninterrupted sleep can be hard to achieve. When the airway collapses or becomes blocked while you sleep, it causes you to wake briefly – maybe with a snore or gasp for air – to unblock the airway.

Untreated sleep apnea can contribute to long-term health problems, including hypertension (high blood pressure), heart disease, stroke, Type 2 diabetes and depression. Overall quality of life can also suffer. It can lead to a decline in mood, lower work productivity, difficulty concentrating and making decisions and an increased likelihood of getting into a traffic accident due to sleepiness.

The disorder may even affect your family and relationships; snoring or poor sleep due to sleep apnea can keep your family members up at night, affect your mood with others and impact your general decision-making. Consider this additional information about sleep apnea from Count on Sleep, a collaborative awareness program led by the AASM.

Signs and symptoms of OSA:

  • Snoring or noisy breathing
  • Stopping breathing while asleep
  • Waking up gasping or choking
  • Restless sleep or waking up tired and groggy after a full night’s sleep
  • Insomnia
  • Waking up frequently to use the bathroom
  • Having headaches in the morning
  • Feeling sleepy or falling asleep during the day
  • Having difficulty with memory or concentrating
  • Mood changes or irritability
  • Drowsy driving

Risk factors for OSA:

  • Overweight or obesity (BMI of more than 30)
  • High blood pressure
  • Neck size of more than 17 inches for men; 16 inches for women
  • Coronary artery disease (a type of heart disease) or heart attack
  • Atrial fibrillation or other heart rhythm problems
  • Congestive heart failure
  • Type 2 diabetes
  • Stroke
  • Daytime sleepiness

If you think you may have undiagnosed sleep apnea, talk to your doctor about your signs, symptoms, risk factors and concerns. If friends or family members exhibit these symptoms, urge them to talk to a doctor.

Your doctor may screen or test you for sleep apnea, which could include an at-home sleep test or sleep study at an accredited sleep center. If diagnosed, treatment options include continuous positive airway pressure (CPAP) therapy, oral appliance, surgery or lifestyle changes.

Learn more about how sleep apnea affects health and take a short quiz to see if you may be at risk at countonsleep.org.


Sleep Apnea Treatments

When followed properly, sleep apnea treatment improves breathing, sleepiness and quality of life. Some people may find the disorder improves through lifestyle changes such as losing weight, sleeping on their side or quitting smoking or drinking alcohol. Most of the time, however, other treatment options are necessary, such as:

CPAP
The most common and recognized treatment for sleep apnea, a CPAP machine provides a steady stream of air to keep your airway open throughout the night.

Oral appliance therapy
Similar to a mouthguard, an oral appliance can be worn at night to prevent the airway from collapsing by moving the jaw forward.

Surgery
If lifestyle changes, CPAP or oral appliance therapy don’t work, there are surgical options to treat sleep apnea. They include upper airway stimulation, which uses an implanted device to stimulate a nerve that controls the tongue, moving it forward while you sleep.

Photos courtesy of Shutterstock


SOURCE:
American Academy of Sleep Medicine

Our Lifestyle section on STM Daily News is a hub of inspiration and practical information, offering a range of articles that touch on various aspects of daily life. From tips on family finances to guides for maintaining health and wellness, we strive to empower our readers with knowledge and resources to enhance their lifestyles. Whether you’re seeking outdoor activity ideas, fashion trends, or travel recommendations, our lifestyle section has got you covered. Visit us today at https://stmdailynews.com/category/lifestyle/ and embark on a journey of discovery and self-improvement.

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Lifestyle

Important Recall Alert: Expanded Produce Recall Due to Listeria Concerns

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In a significant public health alert, the Ohio Department of Agriculture (ODA) has announced an expanded recall of fresh produce supplied by Wiers Farm Inc., based in Huron County. This comes amidst growing concerns about potential listeria contamination, prompting vigilance among consumers shopping at select retailers, including Walmart, Aldi, and Kroger stores across Ohio and several other states.

people at supermarket. recall
Photo by Sebastián Mera Jaramillo on Pexels.com

What You Need to Know

On July 22, 2024, Wiers Farm Inc. expanded its voluntary recall to include additional produce items that were packed between July 5 and July 12. While there have been no reported illnesses or consumer complaints to date, the ODA is taking proactive measures to ensure public safety.

Affected Products

The recall includes a variety of retail packaged items and bulk produce sold at various grocery chains. Here’s a comprehensive list of the impacted products:

Retail Packaged Items

Sold at select Walmart stores in multiple states:

  • Wiers Farm Bagged Poblano – UPC 073064202581 – 16 oz bag
  • Wiers Farm Bagged Cubanelle – UPC 073064201836 – 16 oz bag
  • Wiers Farm Bagged Green Beans – UPC 073064200846 – variable weight bag
  • Wiers Farm Bagged Salad Cucumber – UPC 073064459619 – 2 lb. bag
  • Wiers Farm Bagged Serrano – UPC 073064201829 – 4 oz bag
  • Wiers Farm Organic Bell Pepper – UPC 073064201416 – 2 count tray
  • Wiers Farm Organic Cucumber – UPC 073064201423 – 2 count tray
  • Wiers Farm Organic Yellow Squash – UPC 073064201447 – 2 count tray
  • Wiers Farm Organic Zucchini Squash – UPC 073064201430 – 2 count tray

Sold at Aldi stores in Ohio and nearby states:

  • Freshire Farms Bagged Green Beans – 16 oz bag
  • Freshire Farms Bagged Jalapenos – 8 oz bag

Bulk Retail Items (sold individually or by the pound)

  • Anaheim peppers
  • Cilantro (sold in bunches)
  • Cubanelle peppers
  • Whole cucumbers
  • Green beans
  • Green Bell Pepper
  • Habanero peppers
  • Hungarian Wax peppers
  • Jalapeno peppers
  • Mustard Greens (sold in bunches)
  • Poblano peppers
  • Serrano peppers
  • Tomatillos

In Ohio, these bulk items were distributed to Walmart, Kroger, Save-a-Lot, and local food banks in Cleveland and Youngstown.

What Should Consumers Do?

The ODA is urging consumers who may have purchased any of the listed products to discard them immediately. It’s crucial to stay informed, as listeria monocytogenes can lead to serious health issues, particularly in vulnerable populations such as pregnant women, the elderly, and those with weakened immune systems. Symptoms of listeriosis can include fever, muscle aches, and gastrointestinal distress—anyone experiencing these symptoms after consuming the recalled products should seek medical attention promptly.

Commitment to Safety

Wiers Farm Inc. has expressed its dedication to resolving this situation and ensuring the safety of its products. The ODA is actively investigating the matter, a response initiated after potential contamination was flagged during routine testing by the Michigan Department of Agriculture and Rural Development.

Stay Informed

For further inquiries or concerns, consumers can reach out to Wiers Farm at 419-933-2161. It’s essential to stay updated on recalls and food safety alerts to protect your health and the health of your loved ones.

As we navigate through these recalls, let’s remain vigilant and prioritize food safety to ensure a healthy dining experience for everyone. Remember, when in doubt, it’s better to be safe than sorry—check your pantry and fridge today!

Related links:

https://agri.ohio.gov/divisions/food-safety/recalls/7-16-2024-wiers-farm-inc

https://www.wkyc.com/article/money/personal-finance/recalls/produce-recall-cucumbers-ohio-walmart-aldi-kroger-wiers-farm-willard/95-e394619e-114e-4b9d-ae80-6e6470bb9c9a

Our Lifestyle section on STM Daily News is a hub of inspiration and practical information, offering a range of articles that touch on various aspects of daily life. From tips on family finances to guides for maintaining health and wellness, we strive to empower our readers with knowledge and resources to enhance their lifestyles. Whether you’re seeking outdoor activity ideas, fashion trends, or travel recommendations, our lifestyle section has got you covered. Visit us today at https://stmdailynews.com/category/lifestyle/ and embark on a journey of discovery and self-improvement.

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