It’s been a rough couple of weeks for many in the United States, particularly foreign visitors and green card holders. As a US citizen living abroad with a Mexican partner, the unpredictability of recent immigration policy changes (and the actions of Customs and Border Protection (CBP) officials) plus the repeated demonization of immigrants and Mexicans is scary. Here are some thoughts I have on things to be aware of and ways to keep yourself safe.
All Travelers Entering the United States from Abroad
ACLU Know Your Rights Guide. Screenshot from aclu.org
The American Civil Liberties Union (ACLU) has aKnow Your Rights guide about encountering law enforcement at airports and other US ports of entry. The short version is this: if you’re a US citizen, you have the right to not answer questions or to speak to an attorney, but doing so will likely mean you have a bad day. Green card and visa holders may be denied entry for refusing to answer questions or comply with the requests of agents, and often do not have the right to speak to an attorney unless arrested. I am not a lawyer, but my recommendation in most cases is to answer questions truthfully and succinctly, providing only the information requested without unnecessary detail. Continue reading →
Good morning everyone, happy Wednesday. I apologize for writing about another targeted spending offer from US Bank. US Bank loves to send me targeted spending offers and I hope I am not the only one who receives these offers. For the record, I have 6 US Bank credit cards and I have now received spending offers on 4 of them (all for purchases made in November and December). As a refresher, here are my 3 most recent posts regarding targeted spending offers from US Bank:
Today’s targeted spending offer is on my US Bank FlexPerks AMEX Credit Card. After I spend $1,750 on the credit card (between November 1 and December 31), I will receive 1,500 bonus US Bank FlexPoints. This offer isn’t great, but it isn’t terrible either. Unfortunately, I do not think earning an extra 1,500 FlexPoints is worth spending $1,750 on the credit card.
Good evening everyone. I know today was full of Chase Sapphire Reserve chatter, but there is another deal worth mentioning this week. Ebates is now offering triple cash back (at least 3 times the standard cash back rate) for several merchants. If you are new to Ebates, you can sign up for a free account (link) and get a $10 bonus after you make your first purchase of $25 or more. Also worth mentioning, there are currently 26 merchants offering in-store cash back (add a Visa or American Express credit card to your Ebates account, link merchants to the credit card, and earn cash back for in-store purchases). Depending on your shopping patterns, some of these cash back deals can be very enticing.
Good evening everyone, a new week, a new Evolve Money enhancement. Beginning next week (not sure exactly what date that means), gift cards and debit cards from smaller banks (what is considered a small bank?) will be hit with a 3% bill pay fee.