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These 5 money-saving details about your credit card are unforgettable.

These fine-print tips could help you better understand what you're signing up for.

When a shiny new credit card shows up in the mail, what's the first thing you do?

If you’re like most people, you activate it, peel off that sticker, and load it into your wallet like artillery in a spending cannon.

Welcome to adulthood! Image by Sean MacEntee/Flickr.

But what about all that other stuff that comes along with the card? Petite as they are, credit cards usually arrive in thick envelopes, jam-packed with all the information issuers have to disclose by law.

That, my friends, is your credit card agreement, and every time you swipe that cut of beveled plastic, you’re giving two thumbs up to everything therein.

During my first few years out of college, I had no idea what terms like "overdraft protection" or "cash advance" meant.

I paid plenty of fees as a result, some of which I got refunded by calling and asking nicely. But if I’d read and understood my credit card agreement, it would have saved me hours of frustration.

Recently the CARD Act outlawed a few of the worst practices that some credit card issuers use (things like "universal default" and "double-cycle billing"). But no matter what, you do need to know the nitty-gritty details of credit cards before you start swiping. Here are five areas of your credit card agreement that could throw you for a loop if you’re caught unaware.

1. Cash advances

First, you should definitely check out the Schumer box on your credit card agreement, which outlines stuff like annual percentage rate (APR), grace period, and annual fees (if applicable). That’s a good place to start. (If you're like me and you’ve already tossed your credit card agreement, you also can pull up a copy online, either on the Consumer Financial Protection Bureau’s credit card agreement database or on your card issuer’s website.)

Photo by _Dinkel_/Flickr

But here’s something I found out after I’d had a credit card for a while: Many issuers charge a transaction fee for cash advances on a credit card, plus interest that starts immediately, not after a grace period. "Even if you did read all the fine print, that’s something you might not understand,” says Beverly Harzog, credit expert and author of "The Debt Escape Plan: How to Free Yourself from Credit Card Balances, Boost Your Credit Score, and Live Debt-Free."

Unfortunately, it’s easy to take a cash advance without even realizing it. For instance, if you overpay your bill and transfer the extra money back to your bank account (as I once did) or you mistakenly use your credit card instead of a debit card at an ATM.

2. Late payments

Grace periods can vary from card to card and not every card has one. Paying your bill late not only damages your credit score, but if you pay more than 60 days late, it could trigger a higher penalty APR. “You could end up with that penalty rate retroactively against your whole balance,” Harzog says.

Plus, your issuer could revoke any rewards you’ve earned (buh-bye, Bermuda trip!). "If you do make a late payment, call the issuer right away and let them know what happened," Harzog says. "If you’ve got a good payment history, they might not do anything to your rewards."

3. Fees on top of fees

You probably know you’ll be charged interest on any unpaid balances. But what about things like balance transfers, foreign transactions, and overdraft protection? Alas, you don’t even have to leave your home country to get hit with a foreign transaction fee, I’ve learned. If you’re ordering online from a company that uses a foreign bank, the fee may still apply and it typically adds 1-3% to your transaction.

Photo by wsssst/Flickr.

With a prepaid or secured credit card, your issuer may also charge you a monthly fee and other fees that you may not expect unless you read the agreement closely. Knowledge is power, people!

4. Mandatory arbitration

If something goes wrong, you can always take them to court, right? Power to the people! But not so fast ... some credit card agreements actually strip you of this right, so if something goes wrong, you can’t sue them in court. Instead, a third-party arbiter would rule on your dispute and their decision would be binding.

In some cases, you even have to pay filing fees if you initiate the claim. Total lame sauce!

5. Terms are subject to change

Now that you’ve untangled the terms of your credit card agreement, here’s the kicker: Almost everything is subject to change. That’s right: card issuers can devalue your rewards, increase your APR (although usually not in the first year you have the card), or remove perks like warranty coverage or travel accident insurance.

For most changes, they must notify you in writing, so don’t toss any communications from your credit card issuer before reading it thoroughly. If you have a card with a low introductory APR, the card issuer doesn’t have to notify you when the introductory period ends and a higher APR kicks in automatically.

The bottom line: Read your credit card terms carefully, no matter how boring they are.

That's true adulting. “If you don’t understand something, call the company and ask,” Harzog says. “If the customer rep doesn’t understand, ask to speak to their manager.”

It's better to spend a few minutes familiarizing yourself with the agreement and to walk away armed with knowledge than find out the hard way about late payment fees or penalty APRs. Take it from someone who's been there.

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Adobe
Adobe
Technology

Here’s how one nonprofit org is using Adobe to change the world

Adobe empowers nonprofits to fundraise, advocate, and further their missions.

True

In 2024, it’s practically impossible to function as a nonprofit without the right digital resources. Nonprofits use computer systems and applications for things like education, fundraising, engaging clients, and communicating with donors. However, with limited funding and expertise, it's often difficult to get the digital tools they need to fully support their missions.

The planet needs nonprofit organizations, and nonprofits need better digital tools. For decades, Adobe has provided nonprofits with the tools they need to fulfill their mission—helping them with everything from social media advocacy to educational videos to graphic design. Now, Adobe is offering the pro version of Adobe Acrobat for Nonprofits, the most requested and comprehensive set of document and e-signature tools, for just $15 per user per year, which represents a 94% annual savings off the regular price. This will make it easier than ever for nonprofits to streamline business processes and increase their impact with engaging educational and fundraising assets – from annual reports, contracts and grant submissions to brochures and white papers.

Keep reading to hear more about how Adobe helped one nonprofit improve efficiencies and giveback potential – and how you can start using Adobe tools today for your organization.

A nonprofit success story

Albert Manero, a mechanical engineer and graduate of the University of Central Florida, founded Limbitless Solutions, Inc., as a passion project in a small lab. Today, Limbitless is celebrating its 10-year anniversary and has grown into an interdisciplinary team based at the University of Central Florida in Orlando that includes 50 interns with nine different fields of expertise. Their mission? To inspire and empower underserved communities through creative, accessible technology.

Manero and his team of experts create bionic, 3D-printed arms for children with limb differences. Combining visual storytelling with art and engineering, the Limbitless team wants children with limb differences to feel included and capable, while at the same time, able to express their personal identity more fully. Developing bionic arms covered in flowers or designed like Iron Man’s armor, kids with these bionic limbs can not only grip objects, hold hands and more, but can feel empowered to be themselves.

Using Adobe to make a difference

Limbitless, like many others, has utilized Adobe for Nonprofits offerings, which gives nonprofit organizations access to Adobe programs at a deeply discounted rate, including access programs like Adobe Illustrator, Adobe Express and Adobe Acrobat as well as Adobe’s 3D tools.

Adobe solutions are the oil that keeps organizations running smoothly behind the scenes. For the grant application and reporting processes, employees at Limbitless have credited Adobe Acrobat with helping the team secure funding and communicating clearly with donors and partners. With Acrobat, they’re able to create, edit, and manage PDF documents that look professional and polished. The company has also transitioned most of its internal documentation to digital formats using Acrobat. This includes everything from design blueprints, brand guidelines, intern contracts, and user manuals for bionic limbs.

Better tech for a better future

In addition to helping day-to-day operations run smoothly, Adobe has also helped bring Limbitless’ mission of inclusion and accessibility outside of office walls.

Using Adobe Express, the fast and easy create-anything app, Limbitless has been able to create quick how-to videos for young patients and their families that showcase how to use their bionic limbs, as well as a series of videos promoting STEAM (science, technology, engineering art and math) education. The company’s Operations, Advocacy, and Logistics team utilizes Express as well, developing content and visual assets for their social media accounts. Recently, Limbitless partnered with the Adobe Express’ Animate Characters team to create six unique, limb-different selectable avatar characters for their educational outreach and social media campaigns.

And Adobe is helping Limbitless empower kids with limb differences, too: Limbitless’ comic series, Bionic Kid, was created using Adobe Illustrator and features a superhero with limb differences who uses a Limbitless prosthetic arm. This inspired a fundraising concept initiated from the idea by a Limbitless prosthetic recipient Zachary Pamboukas, which has been used in fundraising efforts for more bionic arms and has already raised over $20,000.

Inside the organization and out, Adobe is enabling people to reach their full potential, contributing to better nonprofit organizations and, overall, a better world.

Learn more about the new Adobe Acrobat for Nonprofits offering and explore more ways Adobe can help your organization today.

From Your Site Articles
Pets

Sorry, Labradors. After 31 years, America has a new favorite dog.

The American Kennel Club has crowned a new favorite.

via Pixabay

A sad-looking Labrador Retriever

The sweet-faced, loveable Labrador Retriever is no longer America’s favorite dog breed. The breed best known for having a heart of gold has been replaced by the smaller, more urban-friendly French Bulldog.

According to the American Kennel Club, for the past 31 years, the Labrador Retriever was America’s favorite dog, but it was eclipsed in 2022 by the Frenchie. The rankings are based on nearly 716,500 dogs newly registered in 2022, of which about 1 in 7 were Frenchies. Around 108,000 French Bulldogs were recorded in the U.S. in 2022, surpassing Labrador Retrievers by over 21,000.

The French Bulldog’s popularity has grown exponentially over the past decade. They were the #14 most popular breed in 2012, and since then, registrations have gone up 1,000%, bringing them to the top of the breed popularity rankings.

The AKC says that the American Hairless Terrier, Gordon Setter, Italian Greyhound and Anatolian Shepherd Dog also grew in popularity between 2021 and 2022.

The French Bulldog was famous among America’s upper class around the turn of the 20th century but then fell out of favor. Their resurgence is partly based on several celebrities who have gone public with their Frenchie love. Leonardo DiCaprio, Megan Thee Stallion, Alexandra Ocasio-Cortez, Reese Witherspoon and Lady Gaga all own French Bulldogs.

The breed earned a lot of attention as show dogs last year when a Frenchie named Winston took second place at the Westminster Kennel Club Dog Show and first in the National Dog Show.

The breed made national news in early 2021 when Gaga’s dog walker was shot in the chest while walking two of her Frenchies in a dog heist. He recovered from his injuries, and the dogs were later returned.

They’ve also become popular because of their unique look and personalities.

“They’re comical, friendly, loving little dogs,” French Bull Dog Club of America spokesperson Patty Sosa told the AP. She said they are city-friendly with modest grooming needs and “they offer a lot in a small package.”

They are also popular with people who live in apartments. According to the AKC, Frenchies don’t bark much and do not require a lot of outdoor exercise.

The French Bulldog stands out among other breeds because it looks like a miniature bulldog but has large, expressive bat-like ears that are its trademark feature. However, their popularity isn’t without controversy. “French bulldogs can be a polarizing topic,” veterinarian Dr. Carrie Stefaniak told the AP.

american kennel club, french bulldog, most popular dog

An adorable French Bulldog

via Pixabay

French Bulldogs have been bred to have abnormally large heads, which means that large litters usually need to be delivered by C-section, an expensive procedure that can be dangerous for the mother. They are also prone to multiple health problems, including skin, ear, and eye infections. Their flat face means they often suffer from respiratory problems and heat intolerance.

Frenchies are also more prone to spine deformations and nerve pain as they age.

Here are the AKC’s top ten most popular dog breeds for 2022.

1 French Bulldogs

2 Labrador Retrievers

3 Golden Retrievers

4 German Shepherd Dogs

5 Poodles

6 Bulldogs

7 Rottweilers

8 Beagles

9 Dachshunds

10 German Shorthaired Pointers


This article originally appeared last year.

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Pop Culture

'90s kids share movies that will 'take you back to a better time'

It was a magical time when animals played sports and yet somehow things were just simpler.

YouTube/Upworthy photo illustration

Honey, I shrunk the kid named Matilda while jamming in space!

Everyone knows that '90s movies just hit different. From sports movies to rom-coms to even horror, there was an undeniable innocence, without being overly simplistic or juvenile. They didn’t have nearly the amount of money going into production as they do today, but somehow managed to transport us to magical places.

Movies of the '90s are so iconic that there have been several attempts to reboot beloved titles. Which, let’s face it, tends to be a fool's errand at a cash grab. These movies are so timeless that simply viewing the original is more than fine. Not sure which movie to start with? You’re in luck—a Reddit user by the name of YouBrokeMyTV asked ’90s kids to share movies that took them “back to a better time,” and because the internet can be a wonderful place, tons of people responded with some beloved classics.

These answers certainly don’t make a definitive list (there are just so, so many gems) but they're a fun glimpse into what made '90s cinema so special. A nostalgic romp through memory lane, if you will.

Enjoy these 14 titles that just might leave you jonesing for a rewatch:

1. "Honey, I Shrunk the Kids"

via GIPHY

A perfect example of how '90s movies were silly, but smart at the same time. And oh so wholesome.

2. "The Sandlot"

via GIPHY

It taught us nothing about baseball, but everything about friendship, rooting for the underdog and (most important) how to make s’mores.

3. "Drop Dead Fred"

via GIPHY

Critics might have run this cult classic through the mud during its inception, but audiences fell in love with the bizarre charm of this story about a mischievous little girl and her anarchist imaginary friend. So take that, snotfaces!

4. "The Goonies"

via GIPHY

Everyone just wanted to set off an epic quest with their friends for pirate treasure after seeing this movie.

5. Tim Burton's "Batman"

via GIPHY

Before the superhero genre was the behemoth it is today, a quirky director and the dude who was best known for playing the creepy demon in "Beetlejuice" breathed new life into comic-book movies. Marvel might be the leader on creating stories with adult themes that are digestible for kids nowadays, but this DC film was the first of its kind. Plus, that soundtrack … forget about it.

6. "Hook"

via GIPHY

Pretty much any '90s film starring Robin Williams was an absolute gem, but this one in particular is timeless. His gift of balancing childlike humor with emotional gravitas lent itself so well to playing the now grown and cynical Peter Pan, who must learn to reclaim his joy (relatable, millennials?). It was a bang-a-rang-er, no question.

7. "Space Jam"

via GIPHY

It had Looney Tunes, it had aliens and it had Michael Jordan. That’s a winning combination.

8. "Matilda"

via GIPHY

I don’t think I’m out of line when I say that this movie helped a lot of kids make their way through difficult childhoods.

9. "The Parent Trap"

via GIPHY

Even '90s reboots were awesome. And how fun it is to see that Lisa Ann Walker—the actress who played Chessy the housekeeper—is not only yet again gracing the screens in NBC’s “Abbott Elementary,” but is also being revered as a style icon on TikTok for her ultra casual looks in the film. We all knew she was onto something with long button downs and shorts.

10. "The Land Before Time"

via GIPHY


No cartoon, not even “The Lion King,” was a better depiction of childhood grief. And yet, despite encapsulating tragedy, director Don Bluth still left viewers hopeful. The subsequent 14 (yes 14) sequels definitely pale in comparison to the original, but "The Land Before Time" continues to stand the test of time nonetheless.

11. "Richie Rich"

via GIPHY

The scene where they play tag on four-wheelers is simply iconic.

12. "Dunston Checks In"

via GIPHY

Man, the '90s were the golden age of animal-centered films. And not just monkeys either—we got sports playing golden retrievers and not one, but two movies starring talking pigs. What a time to be alive. These films were made before CGI had reached the levels it’s at today, and the authentic interactions between humans and creatures reached right through the screen.

13. "George of the Jungle"
george of the jungle, brendan faser

Watch out for the tree!!!

Giphy

Have I seen this movie at least 20 times? Probably. It doesn’t get any better than this in terms of silly action films with bird puppets. It’s crazy to think that this role would eventually lead Brendan Fraser to "The Mummy" franchise, turning him into a household name. Though his career has had some tragic ups and downs, we are all grateful for the glorious comeback he’s been having.

14. Anything involving Mary-Kate and Ashley Olsen
mary kate and ashley

Yes, they were professional detectives.

Giphy

Whether vacationing in London, Paris or Rome, whether playing magical witches or making a huge billboard so their father could find love … Mary-Kate and Ashley Olsen offered zany, whimsical entertainment while wearing fun outfits. Sometimes, that’s all you need.


This article originally appeared two years ago.

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Internet

Parents are applauding a woman that refused to change seats so a mom could sit next to her kids

"Nope. If it's not an upgrade it's a sacrifice."

Natalia Cárdenas|Canva and Tammy Nelson|TikTok

Woman refuses to change seats for mom and kids

Traveling with preteens and teens is a breeze in comparison to traveling with little ones but as a parent you still want to sit near your kiddos in case they need you for anything. If you've traveled on an airline in the last several years, you know it's much cheaper to chose the basic seats in the main cabin.

There's nothing different about these particular seats other than the airline sort of randomly selects your seat and if you're traveling alone, that's really not a bad deal. The risk gets to be a little higher if you're traveling with a party that you'd like to keep together - like your children. One mom took the risk and banked on a stranger accommodating...that's not quite how it played out.

People sit in the wrong seats on planes all the time, usually because they read their ticket wrong or accidentally sit one row ahead. Takes no time to double check your ticket and move along, but when Tammy Nelson did a double take at her ticket after seeing the mom in her window seat, she realized she wasn't mistakenly staring at the wrong row.

This mom boarded the plane with her older children and had taken it upon herself to sit in the same row as her children, essentially commandeering a stranger's seat. Nelson assumed it was a mistake and informed the woman that the seat was in fact hers but the response she received was surprising.

"She said, 'Oh, you want to sit here?'," Nelson tells Good Morning America. "She said, 'Oh, well I just thought I could switch with you because these are my kids.'"

That's an interesting assumption when seats are assigned and many people, like Nelson, pay extra to have the seat they prefer. Now, there's no telling if funds were tight and this was an unplanned trip for the mom and kids which caused her to buy the more budget friendly tickets or if she was simply being frugal and was banking on the kindness of a stranger.

Either way, Nelson specifically paid for a window seat due to motion sickness and though she paid extra, she was willing to sit in the other row if that seat was also a window seat. But it turns out, it was a middle seat.

Surely there's someone out there that loves the middle seat. Maybe a cold natured person that enjoys the body heat of two strangers sitting uncomfortably close. Or perhaps someone that doesn't mind accidentally sleeping on an unsuspecting passenger's shoulder. But that person isn't Nelson, so when the middle seat was offered in exchange for her bought and paid for window seat, she politely but sternly declined.

@myconquering

Having had only 90 minutes of sleep the night before and knowing I had to give a presentation to 500 people, I desperately needed some sleep, so I did not agree to switch seats. 🤷‍♀️ Before anyone comes after me… the kids looked like they were about 11 and 15 years old. And the mom was in arms-reach of both of them from the middle seat in the row behind us. The mom proceeded to complain for at least 15 minutes to the person next to her loud enough for me to hear. But the woman actually defended me – several times. It was so kind and I appreciated it so much because I was feeling really guilty. 🤦‍♀️ ##airplaneseat##seatswitching##airplanekarens

Her refusal to give in to the mom's seemingly entitled request for Nelson's seat has resulted in parents and child-fee people cheering her on after she posted the details on her TikTok page, MyCONQUERing. The video has over 3.4 million views.

"Nope. If it's not an upgrade it's a sacrifice," a commenter writes.

"You did the RIGHT thing. Folks need to plan their travel together. Lack of planning on their part does not constitute an inconvenience on yours," one person says.

"I have 3 kids and have sat in different rows when they were passed toddler age. I agree, book your flight earlier," another writes.

"You were right. As a woman with 3 children, I always pay extra so we're sat together," another mom says.

Nelson is also a mom so she knows how important it is to sit next to kids on flights. But since airlines have made that a luxury, as the parent, you have to plan to pay extra or accept that you likely won't be seated next to your children. Hopefully in the future, this unnamed mom is seated next to her children or pays extra to make sure it happens. In the meantime, people continue to support Nelson standing her ground.


This article originally appeared last year.

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Education

10 tips for saving on plane tickets, even when prices are bonkers

A little creativity and flexibility can save you buckets of money on airfares.

Photo by JESHOOTS.COM on Unsplash

Airfares have skyrocketed, but there are deals to be had if you know how to search for them.

If you've looked into booking flights the past few months, you've probably experienced some serious sticker shock. As a travel junkie, I peruse plane tickets regularly for fun, and I've seen some absolutely nutso prices, especially during peak summer dates. You can always expect to pay more during popular travel times, but it's not usually this bad.

According to CNBC, bonkers prices are not just a figment of our imagination. Plane ticket prices have risen 25% in the past year, far outpacing the rising inflation we're feeling elsewhere. Part of the reason is fuel costs are up—by a whopping 150%. Another reason is that airlines are trying to recover some of their losses that occurred during the pandemic. Finally, people are desperate to travel, so demand is high and people are apparently willing to shell out gobs of dough to get out of Dodge.

However, just because ticket prices have climbed doesn't mean there aren't deals to be had. You just have to know where, when and how to find them.

Finding deals does take a little work. To really get the best prices, you have to be willing to play around with your travel variables (dates/times/airlines/airports/destinations), so it's not like there's some magical, one-size-fits-all money-saving solution. But these guidelines and tips will help give you a place to start to save money on airfare, even when prices go up.

1. When you travel matters far more than when you book your plane tickets.

People often ask, "When's the best time to buy plane tickets?" I've heard everything from certain days of the week to certain time frames before your planned departure being the best time to buy. There is a general guideline for when to book that's frequently shared by travel experts:

Domestic flights: 1 to 3 months in advance

International flights: 2 to 8 months in advance

However, plane ticket prices change constantly, every airline prices their flights differently and the volatility of fuel prices makes a lot of this unpredictable.

What matters more than when you book is when you actually travel. Demand is fairly predictable and peak times will almost always be more expensive. Summer, three-day weekends, the spring break period (mid-March through mid-April), Thanksgiving and Christmas breaks are bound to set you back unless you are really flexible in the dates you can travel.

(One caveat on holidays: Because Thanksgiving is a solely American holiday and most people spend it with their families here, it can be a great time to travel internationally, as demand to leave the country is low that week.)

Off-peak is where it's at. Not everyone can swing it with work and school schedules, but if you can, late September through October, late January through early March, and most of May tend to be the cheapest times to fly.

2. Check airfares frequently, as prices change constantly—and sometimes drastically.

Airfares are always changing. In fact, prices can change several times a day. One reason I like to peruse plane tickets frequently, even if I'm not actively making travel plans, is so that I can actually recognize when a ticket is a good deal.

Google Flights is your best friend for this. If you have someplace you think you might want to go someday, start doing some daily or weekly searches on the Google Flights calendar (which I'll explain below). If you have a specific destination and dates already locked down, the same rule stands. Check frequently so that 1) You know the range of prices and 2) Can tell when a good price comes along.

3. Get to know Google Flights and its various filters.

Google Flights is easily the most versatile and user-friendly flight search tool, and the great news is, it's free! The only real bummer is there's no app, so you have to work from a browser. That's a small price to pay for being able to search almost every airline at once and see entire months' calendars of the lowest-priced tickets, though.

airfare, plane tickets, google flights

7-day, round-trip airfares from Seattle to Chicago range from $140 to $472 in August and September.

Screenshot via Google Flights

Google Flights shows you the same prices you'll see on the airlines' websites, and it can be much easier to use than any individual airline website. (I don't know why so many airline website fare calendars are so cumbersome to navigate, but they are.) You can use Google Flights to find the best price, then go to the airline website to find that flight to book. (Thrifty Traveler has a nice, detailed tutorial for utilizing the various Google Flights filters.)

5. But don't book a flight until you check Southwest Airlines first.

Southwest Airlines is not in Google Flights, so you have to search its website separately. A bit of a pain, but worth it. Southwest is frequently (though not always) cheaper than other airlines—and it lets you check two bags per person for free. Often that checked bag fee savings alone is worth booking on Southwest. Some of its planes don't have the bells and whistles of other airlines—the last two Southwest flights I took didn't even have electrical outlets to plug in my phone or computer—but I've always found the crew to be friendly and service to be quite good.

(One note: You don't get to choose your seat ahead of time on Southwest, so if you're traveling with a group and want to sit together it can get dicey. Checking in right at the 24-hour mark puts you closer to the front of the queue to board, but there's still no guarantee to get the seat you want. For some, that's a dealbreaker, but for others, it's worth the savings.)

6. Search for one-way tickets in addition to round-trip fares.

This piece of advice may come as a surprise, as many of us were taught that booking one-way tickets was way more expensive than booking round-trip. That's no longer the case. I always search for both round-trip and one-way tickets, and I frequently find two one-ways—often on two different airlines—to be cheaper than a round-trip ticket. Who knew?

7. Watch out for hidden fees and exclusions on discount carriers.

That Frontier or Spirit or Allegiant Airlines flight might look dirt cheap, but when you find out it doesn't even include a carry-on bag in that price, you may find that it's not worth it. Southwest is unique in that it is a lower-cost airline that doesn't charge extra fees and actually includes more free baggage than most standard airlines. Most discount airlines tack on fees for everything from bags to snacks, so it's good to know what's included and what's not in your airfare. Discount carriers will get you where you're going, but if you want to take anything with you, you might end up actually paying more in the end.

8. Search alternative airports near your departure and destination locations.

If you're flying to or from a large city, there are usually multiple airports you can choose from. And if you're flying to or from a small town, there are often airports within an hour's drive that may (or may not) be significantly cheaper to fly in and out of. You may be surprised by how much you can save using alternative airports that you didn't even know existed, so do a quick Google Maps search for airports nearby and search those in Google Flights as well. (Depending on where you're going, some smaller airports in large metro areas might actually get you closer to where you need to be on your vacation anyway. I know this can be the case in Southern California, at the very least.)

9. The more flexible you can be with travel dates and times, the better.

This is probably the biggest key factor in saving money on flights. I mentioned the off-peak times savings earlier, but even changing travel plans by just a day can save you a ton. People often don't realize how much prices can vary for the same route within the same week or month. For instance, looking right now at Seattle to Chicago one-way tickets, prices in November range from $70 to $249. You can see it in the Google Flights screenshot above as well. Even just a one-day difference can mean paying double the price, so the more flexible your dates, the better your chances of snagging a reasonably priced ticket.

10. Learn about the credit card/airline/hotel points and miles travel game.

Most of this airfare savings advice is applicable to the short term, but by far the best way to save on plane tickets is to basically get them for free. That's a long game. Sometimes called "travel hacking," the points/miles game is a fairly complicated but incredibly valuable hobby to take up if you want to save loads of money on travel.

I started playing the game far later than I should have and wish someone had impressed upon me how mind-blowing the savings were going to be when you know what you're doing. If you use a credit card that gives you points for cash back or to use for other things, you will get much more out of it if you learn how to maximize those points to make travel much, much more affordable. (I promise I'm not selling anything here. It's genuinely something I recommend to everyone, simply because it's amazing what people can do when they learn how the points/miles game works. You can learn more about it here.)

Even when plane ticket prices skyrocket, there are always some deals to be had with a little creativity and flexibility. Hopefully, these tips can help you save on airfare as you make travel plans during this weird, wonky, unpredictable time.


This article originally appeared two years ago.

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Pets

Adopted puppy takes first walk with new family and digs up treasure worth nearly $8,000

He's a regular gold retriever.

pixabay.com

Lagotto romagnolo puppy.

Many a canine lover would agree that all dogs add value to our lives. But let’s face it, Ollie takes it to a whole new level. Adam Clark and Kim Mcguire of Blackpool, England, originally bought little Ollie as a surprise for their daughter Alice. However, it turns out they were in store for a lovely surprise as well.

Ollie is much more than an adorable face. His breed, the lagotto romagnolo, once used its keen sense of smell to hunt waterfowl in the wet marshlands of Italy, according to Dog Time. Here's an example of what a lagotto romagnolo looks like:

Cuteness at 110%.upload.wikimedia.org

Pretty much a teddy bear on four legs.

These pups are also natural diggers, and nowadays the only dogs bred specifically to hunt for truffles.

These talents came into play rather quickly when after only 10 minutes into his first family walk in the park, Ollie began to frantically dig into the soil.

Much to everyone’s surprise, Ollie dug up what appeared to be 15 sovereign coins, meaning pieces of gold that could date back as far as 1489.

puppy finds gold coins worth $8000

A gold sovereign.

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Clark took the coins to be examined by a reputable gold dealer, who not only deemed the coins legitimate, they valued them to be £5,943.96, equivalent to $7,564. It's not clear how much the family paid for Ollie, but it seems safe to say that they got their money back … and then some.

Though Ollie’s find is remarkable, Clark still finds his presence to be the ultimate gift. "The treasure is one thing, but the fact is, I've bought myself my very own gold hunter, and I cannot wait to take him out again," he told The U.S. Sun. "He is obviously a very special pup, and I'm thrilled with what he brings to the table — quite literally!"

And while lagotto romagnolos work really well for finding truffles (and potentially 19th century gold coins), they also make for great companions. Dog Time adds that they are easily trainable, good with children and their hypoallergenic coats keep allergies at bay, though they do require dedicated grooming. It's a pretty even trade-off for their undying affection and easy-going attitudes. Especially if they happen upon a small fortune!

There’s no real telling what other trinkets Ollie might dig up. But one thing’s for sure—he’s making his family very happy. And that is priceless.


This article originally appeared two years ago.

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