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National Money Talk Night has been designed to provide young adults with a better understanding of how to manage their finances. This night is sponsored by American Express and Jean Chatzky and provides parents with resources and talking points for those important money discussions with their youngsters. With the financial crisis at hand, it is now more important than ever to teach our children at a young age about the importance of having a healthy relationship with money.
On the Money Talks website you can print off talking points that will guide you through your talk. Depending on the age of your kids you can print the talking points that will work for the age range in your family. It doesn’t matter if your kids are in college, high school, or middle school there is a guide available to help you. You will find ways on how to start your conversation, suggestions for where you might want to do it, the important points to hit on and how to answer those tough questions.
Sign the Pledge Jean is asking parents around the country to make a commitment to having this money talk with their children. You can sign the pledge and promise that you are going to follow through with the money talk.
Q & A Provided by Jean and Amex
What is the National Money Night Talk? A designated time to have a conversation with your kids about one of life’s most needed skills: managing money.
What specifically will we discuss? The things our survey revealed both you and your kids believe are crucial: the value of money, how to save, getting a job, living on less than you make, and preparing for financial independence.
How do I start? Take the pledge and decide you’ll make a little time for this dialogue. Then download the toolkit(s) appropriate for your child(ren) — middle school, high school or college.
Why should I do this? Seven out of ten kids say they learn the most about money from you. You want to make sure you’re passing on correct information about earning it, saving it, living on a budget, and steering clear of debt.
How long should it last? Don’t force yourself to adhere to a timetable. Even a 15 minute conversation over dinner can make an impact. There’s a start, middle and end to the meal, and assuming it goes well (which it will) you leave the door open for follow-ups.
What if I’m asked a question I don’t want to answer? You mean like, “How much do you earn?” It’s okay to dodge that one — more because you don’t want to be the cause of competitive earning in the neighborhood. Twist it and say: “Let’s talk about how much it costs us to live as we do.” Then talk about the mortgage, car payment, cable bill, and how much you spend on groceries. Making a game out of it is fun, too.
If money is tight in our house right now, what do I say? That money is tight in your house right now. Believe me, your kids already know this. They sense the tension. You can bring down everyone’s blood pressure by talking and empowering your kids to help you save on the family budget.
Suggested Amex Cards for Young Adults There are two types of cards that are suggested by American Express and Jean as a way to help teach financial responsibility to kids. The first card is one that allows you to customize the limit of the card. This means you request the certain limit be set to the card. By requesting a low credit limit the user will have to manage the account and control their spending. The other card recommended is a prepaid card from American Express called PASS. This is a prepaid card which means you have to deposit funds onto the card before the card can be used. Once the funds are used you can add more money to the card. This is another safe way to teach young adults how to manage their money.
The Hyatt Visa Gold Passport card from Chase has been designed to reward those that enjoy the luxuries that Hyatt Hotels offer. This card is a rewards credit card that gives special benefits to those that choose to stay at any Hyatt worldwide.
Two nights at any Hyatt Hotel anywhere in the world, simply for using your card the first time
3 Hyatt Gold Passport points for every $1 spent with your Hyatt Card at all Hyatt properties
1 Hyatt Gold Passport point for every $1 spent on purchases elsewhere
There are no limits to the points you can earn
Award nights with no resort, internet or redemption fees
No foreign transaction fee for international purchases
Annual Rates The card offers an APR of 15.24% for both purchases and balance transfers. The APR can change based on changes to the prime rate. The APR for cash advances and overdraft advances is 19.24%. The penalty APR is 29.99% in the event you don’t make the minimum payment, have a returned payment, or exceed your credit limit. The card does not offer any special introductory rates.
Rewards Program With the card you will earn 3 Hyatt Gold Passport® points for each $1 spent at participating Hyatt locations. (This is where “Hyatt” appears as the merchant on your monthly transaction statement.) You will earn 1 Hyatt Gold Passport point for each $1 other purchases. You will not earn Hyatt Gold Passport points in the card program on balance transfers, cash advances, cash-like charges such as travelers checks, foreign currency, and money orders, any checks that are used to access your account, overdraft advances, interest, unauthorized or fraudulent charges, or fees of any kind, including fees for products that protect or insure the balances of your account. You can earn unlimited points because there is no maximum number of points that you can accumulate. In order to participate in the rewards program you must be a member of Hyatt Gold Passport.
Receive Two Nights All members qualify for and receive two Hyatt Gold Passport® Free Night Awards after your first use of the card. First use includes purchases, balance transfers, or any checks that are used to access your account, and excludes cash advances. Free Night Awards are valid for use on any available standard room within one year from issuance at any Hyatt hotel or resort worldwide. After qualifying, it takes about 10 days for your Free Night Awards to post to your Hyatt Gold Passport account.
Visa Gold Passport Fees To see a complete list of the Hyatt Visa Gold Passport fees refer to the terms and conditions. The table below highlights some of the fees.
Description
Fees
Annual Membership Fee
$75
Balance Transfers
Either $5.00 or 3% of the amount of each transfer, whichever is greater.
Cash Advances
Either $10.00 or 3% of the amount of each transaction, whichever is greater.
The Hyatt Hotels Corporation and Chase Card Services just announced the launch of their new credit card. This new co-branded card is a Visa rewards card that offers special benefits to Hyatt guests. Apparently, Hyatt Hotels and Chase have been working on this deal for a year and even partnered with Hyatt guests who helped provide direct feedback and input throughout the process. This has helped the two companies develop a card that offers generous benefits and rewards while upholding the luxury experience that guest are familiar with.
Hyatt Visa Gold Passport® Card members will receive two nights at any Hyatt in the world after their first purchase. This is a one of a kind benefit, as with most cards in order to receive a hotel stay you have to redeem your points for stays and usually there are limitations and restrictions on the offer. The only limitation with the offer from Hyatt is that you have to redeem the reward within one year.
“The Hyatt Card and its rewarding benefits serve as a great addition to the world’s most generous welcome from Hyatt,” said John Wallis, global head of marketing and brand strategy, Hyatt Hotels Corporation. “To further Hyatt’s mission of providing authentic hospitality, we have made significant enhancements and adjustments to our Hyatt Gold Passport loyalty program over the past two years to make it best-in-class. The Hyatt Card is another logical step in deepening relationships with our guests and welcoming new travelers into the fold.”
“Our objective, when working with Hyatt on this card, was to create a product that resonated with the Hyatt guest and provided a differentiated offering that aligned with Hyatt’s brand”, said Val Greer, general manager, Chase Card Services. “Having the ability to simply and easily redeem rewards with no blackout dates or limits on available standard rooms, and no resort or internet fees, the card offers unparalleled opportunities to enjoy Hyatt properties worldwide.”
Card Features
Zero foreign transaction fees: Foreign transaction fees are waived when making international purchases with this card.
Hyatt stays earn more: 3 Hyatt Gold Passport points for every $1 spent at any Hyatt property, 1 point for every $1 spent on purchases elsewhere and there are no limits to the points you can earn.
Simple and easy redemptions: No blackout dates, no limit on available standard rooms and no resort fees.
Hyatt Gold Passport Platinum membership
Visa concierge service and acceptance at millions of merchants in more than 200 countries
Travel protection, including trip cancellation, lost luggage and trip delay.
The Continental Airlines OnePass® Plus MasterCard from Chase is designed for those who love to fly with Continental Airlines. This card is a travel rewards card that is reserved for those with excellent credit. The card offers a solid rewards program that rewards members for everyday purchases and gives extra rewards when you make Continental Airline purchases.
Pay No Annual Fee the first year. That’s a savings of $85.
Earn 25,000 bonus miles after your first purchase. That’s enough for a round-trip reward within the United States (excluding Hawaii)
Earn an additional 5,000 bonus miles after your first purchase and when you add an authorized user within 2 months of your account opening
Earn 10,000 bonus miles annually when you spend $25,000 on your Card
First Checked Bag Free – With the OnePass® Plus Card, you and your companions on the same reservation don’t pay for your first checked bag when flying on Continental-operated flights. That can save a family of four up to $200 per round trip.
Earn two miles for every $1 spent when you purchase tickets from Continental Airlines on your Card
Earn one mile for every $1 in purchases charged on your Card
Redeem Miles for Car and Hotel Rewards exclusively as a Cardmember.
Rate Information The annual percentage rate is 14.24% for both purchases and balance transfers. The APR for cash advances and overdraft advances is 19.24%. The APR can vary based on changes to the prime rate. You will not get charged interest on purchases as long as you pay the full balance by your statement due date. For balance transfers, cash advances, and overdraft advances you will be charged interest starting the day of the transaction. If you are charged periodic interest, the charge will be no less than $1.50.
Rewards Program The OnePass® Plus Card offers is a travel rewards card that gives members 1 Mile for $1 spent in purchases and 2 Miles for every $1 spent with Continental Airlines. You also earn twice the miles at ShopOnePass, which is the online store. When it comes to redeeming your miles you can do so for Continental Airlines Flights. You can use Miles for Flights on all 27 Star Alliance network airlines. You can Redeem for car rentals and over 60,000 hotel properties around the world or use miles for merchandise and even experiential events. The card offers three different bonuses: a 25,000 miles bonus, a 10,000 miles bonus and a 5,000 mile bonus. You can earn 25,000 bonus miles after your first purchase which is enough for a round-trip reward within the United States (excluding Hawaii). You earn 10,000 bonus miles once you spend $25,000. You also earn an additional 5,000 bonus miles after your first purchase and when you add an authorized user within 2 months of your account opening.
OnePass® Plus Card Fees The table below highlights some of the fees associated with using the card. To see a complete list you should refer to the terms and conditions of the card.
Description
Fee
Annual Membership Fee
None first year. After that, $85.00.
Balance Transfers
Either $5.00 or 3% of the amount of each transfer, whichever is greater.
Cash Advances
Either $10.00 or 3% of the amount of each transaction, whichever is greater.
Foreign Transactions
3% of each transaction in U.S. dollars.
Late Payment
Up to $35.00.
Over-the-Credit-Limit
None for World; Up to $35.00 for Platinum.
Return Payment
Up to $35.00.
Additional Member Benefits The card offers addtional benefits to those who carry the card. Below is a list of some of those special benefits.
Premier Travel Protection Insurance
Comprehensive Purchase Protection
OnePass Plus Concierge Service
24/7 Customer Service Specialists
2 Annual Presidents Club Day Passes
First Checked Bag FREE
2 Annual Travel Discount Certificates
Special Guest Privileges through The Luxury Hotels & Resorts Collection
Continental Airlines OnePass® Plus Card
Pay No Annual Fee the first year. That’s a savings of $85.
Earn 25,000 bonus miles after your first purchase. That’s enough for a round-trip reward within the United States (excluding Hawaii)
Earn an additional 5,000 bonus miles after your first purchase and when you add an authorized user within 2 months of your account opening
Earn 10,000 bonus miles annually when you spend $25,000 on your Card
First Checked Bag Free – With the OnePass® Plus Card, you and your companions on the same reservation don’t pay for your first checked bag when flying on Continental-operated flights. That can save a family of four up to $200 per round trip.
Earn two miles for every $1 spent when you purchase tickets from Continental Airlines on your Card
Earn one mile for every $1 in purchases charged on your Card
Redeem Miles for Car and Hotel Rewards exclusively as a Cardmember.
Gas rebate cards offer lots of great benefits for users when it comes to driving, but how about dining out? The ExxonMobil Citi card now has a special offer for both existing cardholders and new cardholders. Whether your a new card member or you have been a member for years, you just have to register for the promotion and then your ready to begin. If you like to dine out then this offer is for you. The promotion rewards members for doing something they already do – buying gasoline!
Beginning September 1, 2010, ExxonMobil cardholders have the opportunity to earn a $50 dining certificate from restaurant.com. All you have to do is purchase 100 gallons of gasoline within 90 days of registering for the promotion. If you complete the task you will be awarded a $50 dining certificate. The certificate can be redeemed online at restaurant.com and you can choose from 15,000 different dining locations nationwide.
If you are not an ExxonMobil cardholder you can still participate and even earn more. All you have to do is apply for the card and get approved before November 30, 2010. New cardholders get an extra bonus by being awarded a $100 dining certificate. You still have to purchase 100 gallons of gasoline within 90 days so the earlier you apply the better.
Promotion Highlights
Register your account (below) by 11/30/10.
Purchase 100 gallons of gas with your ExxonMobil Personal Card (or Speedpass™ linked to your card) within 90 days from the day you register.
Watch your mail – we’ll send you a gift card in 4-6 weeks with a printed “Certificate Code”.
Once it arrives, go to http://Dine.Restaurant.com and click on “Redeem Certificate”.
Enter the code printed on your gift card to credit your shopping cart.
Search to find great restaurants or browse participating online retailers.
Follow the easy instructions to print and redeem your Dining Certificate!
“This promotion is a great reminder for our cardholders that the ExxonMobil Personal Card is the smart way to pay for quality Exxon and Mobil branded gasoline,” said Ben Soraci, U.S. Retail Sales Director, Exxon Mobil Corporation. “It already offers a great everyday value, with pay-at-the-pump convenience at 10,000 Exxon and Mobil stations, $0 fraud liability, and online account management tools. And from September through November, cardholders will have the added incentive of a certificate that makes going out to dinner a little more affordable.”
Offer starts 9/1/10 and ends 11/30/10 (the “Offer Period”). Open to (a) ExxonMobil Personal Cardholders who opened an account prior to 9/1/10 (“Existing Cardholders”) and (b) new applicants who are approved for an ExxonMobil Personal Card account during the Offer Period (“New Cardholders”). Both Existing and New Cardholders must be legal residents of the 50 U.S. or DC, 18 or older. Void where prohibited. For Existing Cardholders, purchase requirement must be completed within 90 days of registration to be eligible. For New Cardholders, no purchase necessary for first certificate; purchase requirement for second certificate must be completed within 90 days of date of account approval. Limit 1 certificate per Existing Cardholder and per eligible account. Limit 2 certificates per New Cardholder and per eligible account. Qualifying cardholders will receive a certificate code that must be provided online to redeem certificate. There may be minimum spend requirements at participating restaurants and online merchant websites. Certificates and offer cannot be combined with any other certificates, coupons, or promotions. Valid for parties of 2 or more, and for dine-in, unless otherwise stated. Certificates cannot be used for taxes, tips, or prior balances. Only 1 certificate can be used per party, even if the party is seated at separate tables and/or receives more than one check. No cash back for remaining certificate balances upon redemption. Certificates have no cash value. Restaurant.com is solely responsible for fulfillment of certificates. Other material restrictions may apply. Offer subject to earlier termination at any time. See Terms and Conditions, which govern, at dining.exxonmobilcard.com. Offered by Citibank (South Dakota), N.A.
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