Tech Advice

The Best Travel Credit Cards of 2023 – Forbes’ Top Picks


To fuel your wanderlust and make your trips more rewarding, Forbes has compiled a list of the best travel credit cards for 2021. These cards offer impressive rewards, statement credits, and perks that cater to frequent travelers, unlocking unique experiences and savings. Here are our top picks to help you find the perfect travel companion for your next adventure.

1.Chase Sapphire Preferred Card:

The Chase Sapphire Preferred Card offers outstanding signup bonus points, redeemable for travel through the Chase Ultimate Rewards program. With 2x points on dining and travel purchases worldwide and zero foreign transaction fees, this popular card is ideal for both domestic and international trips.

2.American Express Platinum Card:

Well-known for premium travel benefits, the American Express Platinum Card provides access to over 1,300 airport lounges worldwide, complimentary hotel status with various chains, and generous annual airline fee credits. Earning 5x points on flights booked directly with airlines or via makes this a worthwhile choice for frequent flyers who prefer luxury amenities.

3.Capital One Venture Rewards Credit Card:

Capital One’s Venture Rewards Credit Card earns users a flat 2x miles on every purchase, with no limits or category restrictions. With their simple redemption process that involves erasing travel purchases using miles earned, it’s a practical option for those looking to maximize flexibility in their travel rewards.

4.Wells Fargo Propel American Express Card:

The Wells Fargo Propel American Express Card boasts no annual or foreign transaction fees while offering an incredible 3x points on dining out, gas stations, rideshares, transit, flights, hotels, homestays, car rentals and popular streaming services. Its diverse rewards make it suitable for travelers who frequently pay for different spending categories.

5.Delta SkyMiles Gold American Express Card:

Catering specifically to Delta loyalists, the Delta SkyMiles Gold American Express Card rewards users with 2x miles on Delta flights, restaurants, and U.S. supermarkets, along with additional perks like free checked bags. It’s an excellent choice for frequent Delta flyers seeking valuable perks without a high annual fee.


When selecting the ideal travel credit card for 2021, it’s essential to consider your travel habits, preferred airlines and hotels, and the type of rewards that best suit your needs. With the right card in your wallet, you can make your trip more enjoyable, rewarding, and stress-free.

Ozempic for Weight Loss: A Promising Treatment Worth Exploring


Weight loss has always been a trending subject, and the market is flooded with countless products and treatments promising miracles. However, only a few of these options provide substantial results. Ozempic, a medication initially designed to treat type 2 diabetes, has recently gained attention for its weight loss potential. In this article, we will explore the effectiveness of Ozempic as a weight loss solution and discuss its implications for those seeking to shed extra pounds.

How Ozempic Works:

Ozempic, also known as semaglutide, is a glucagon-like peptide-1 (GLP-1) receptor agonist. It works by mimicking the action of GLP-1, a hormone secreted by the gut upon eating. GLP-1 binds to receptors in the pancreas, stimulating insulin production and suppressing glucagon secretion. The result is improved glucose control, a crucial aspect of managing type 2 diabetes.

The Connection Between Ozempic and Weight Loss:

In addition to its glucose-controlling properties, GLP-1 receptor agonists like Ozempic have been observed to reduce appetite and increase satiety. This action is believed to be due to its effects on the brain’s appetite regulating mechanism or through metabolic alterations in fat tissue. Consequently, weight loss occurs as individuals experience reduced hunger and consume fewer calories.

Weight Loss Studies on Ozempic:

A recent study published in The New England Journal of Medicine showed that people with obesity treated with a high dose of semaglutide (2.4 mg) lost significantly more weight compared to those who received placebo injections. Semaglutide doses commonly prescribed for diabetes management are lower (0.5 mg or 1 mg). Therefore, this research further emphasized that higher doses may lead to better weight loss outcomes.

Another study examined the effects of ozempic in individuals with type 2 diabetes using a 1mg dose. The results revealed that patients experienced an average weight loss of approximately 10 pounds over the course of the study compared to those who did not receive the treatment.

The Takeaway:

Ozempic has shown promising potential as a weight loss treatment, particularly for individuals struggling with obesity or type 2 diabetes. While it might not be a magic solution, the mounting evidence indicates that it could be an essential tool in the fight against obesity.

However, it is crucial to remember that Ozempic is not approved for weight loss as a standalone indication and should only be prescribed by a healthcare provider. Additionally, any weight loss plan should include a healthy diet, exercise, and other lifestyle modifications. If you think Ozempic might be right for you, consult your doctor for a complete evaluation and personalized advice.

Navigating the Best Balance Transfer Credit Cards: Forbes Advisor’s Top Picks


Choosing the right balance transfer credit card can help you save money on interest and reduce your debt faster. Forbes Advisor has done extensive research to find the best balance transfer credit cards available. In this article, we’ll explore their top pick and discuss the benefits and features of this credit card.

Forbes Advisor’s Top Balance Transfer Credit Card Pick: [Card Name]

Forbes’ top choice for a balance transfer credit card is [Card Name]. This card provides an ideal combination of benefits and features that make it an excellent choice for those looking to consolidate debt or manage existing balances.

Key Features and Benefits

1.Long interest-free period: With [Card Name], you’ll enjoy a long introductory period of 0% APR for balance transfers—often up to 18-21 months—which allows you time to pay off your balance without accumulating additional interest.

2.Low or no balance transfer fee: Many cards require a fee for transferring balances, typically around 3%-5% of the total amount transferred; however, [Card Name] offers a low or potentially no balance transfer fee during the introductory period, which could save you hundreds of dollars when consolidating debt.

3.Competitive ongoing interest rates: After the introductory 0% APR period ends, [Card Name] offers competitive ongoing interest rates that can help you continue to save on interest charges as you reduce your debt

4.Rewards Program: [Card Name] also comes with an enticing rewards program, which can help you earn rewards points or cash back while paying down your debt.

5.Exceptional Additional Perks: Besides its attractive balance transfer benefits, [Card Name]offers other valuable perks such as travel insurance, purchase protection, and exclusive access to events and experiences.

How to Make the Most of Your Balance Transfer Credit Card

To take full advantage of the benefits that [Card Name] and other balance transfer cards have to offer, keep the following tips in mind:

1.Consolidate your high-interest debt: Prioritize transferring balances from high-interest credit cards or loans to your new balance transfer card to save on interest.

2.Create a repayment plan: Pay off as much of the transferred balance as possible during the 0% APR introductory period to reduce your overall debt.

3.Track your spending and avoid new debt: Use budgeting tools and monitor your expenses to prevent overspending and accruing additional debt during the introductory period.

4.Utilize rewards wisely: Use earned rewards strategically, such as redeeming them for statement credits or other financial benefits, to help pay down your debt further.


Choosing a balance transfer credit card like Forbes Advisor’s top pick, [Card Name], can help you manage existing debts more effectively and save on interest charges in the long run. Be sure to take advantage of these valuable features and follow smart financial practices when using a balance transfer card to achieve optimal results in your debt-reduction journey.

The Best Credit Cards of 2023: A Comprehensive Guide


In today’s fast-paced world, credit cards have become a necessity for many. They provide convenience, rewards, and security while making everyday purchases and big-ticket transactions. With a plethora of options available in the market, selecting the best credit card can be a daunting task. Forbes has come to the rescue with its annual list of the best credit cards for various categories in 2021. Let’s dive into these top picks and find the perfect card for your needs.

Cash Back Credit Cards:

1.Citi® Double Cash Card: This top-rated card offers an impressive 2% cash back on all purchases – 1% when you buy and an additional 1% as you pay off those purchases. With no annual fee and flexible redemption options, this card is perfect for individuals looking to maximize cash back rewards.

2.Chase Freedom Unlimited®: Combining an attractive cash back rate with travel redemption capabilities through Chase Ultimate Rewards®, this card provides users 1.5% cash back on all purchases without any spending caps or categories to track. It also comes with a $200 welcome bonus after spending $500 within the first three months.

Travel Credit Cards:

3.Chase Sapphire Preferred® Card: One of the most sought-after travel cards, it offers an 80,000-point sign-up bonus after spending $4,000 in the first three months. Cardholders can earn double points on travel and dining worldwide, plus get lucrative redemption options through Chase Ultimate Rewards®.

4.American Express® Gold Card: Ideal for foodies who love to travel, this card provides 4x membership reward points for dining and U.S supermarkets, plus 3x points on flights booked directly with airlines or Moreover, it comes with a $120 dining credit each year.

Small Business Credit Cards:

5.Ink Business Preferred® Credit Card: Tailored for small business owners, this card provides a massive 100,000-point sign-up bonus after spending $15,000 in the first three months. It also offers multiple bonus earning categories, including 3x points on travel, shipping purchases, internet/cable/phone services, and advertising on social media (up to $150,000 combined purchase limit).

6.The Blue Business® Plus Credit Card from American Express: With no annual fee and a flat 2x Membership Rewards® points on the first $50,000 spent per calendar year (1x after that), this card is perfect for small businesses looking for easy rewards earning without any extra cost.

Balance Transfer Credit Cards:

7.U.S. Bank Visa® Platinum Card: Boasting an introductory 0% APR for 20 billing cycles on balance transfers and purchases, this card offers one of the longest interest-free periods in the category. It’s a great option for those seeking relief from high-interest credit card debt.

8.Wells Fargo ReflectSM Card: Offering up to 18 months of 0% APR on qualifying balance transfers and purchases (based on your responsible use of your account), this card provides a helpful tool to manage existing debt and make new purchases without incurring interest fees.


The best credit card for you ultimately depends on your spending habits and financial goals. Whether you are looking for cash back rewards, travel perks, a balance transfer solution, or a small business option – this comprehensive guide can assist you in making an informed decision. Remember to always use credit responsibly and aim to get the most value from the card that suits your needs the best.

The Best VoIP Services of 2023 – Revolutionizing Business Communications


Voice over Internet Protocol (VoIP) services have made a massive impact on the way businesses conduct their communications. With so many services available, it’s essential to understand the top choices available to you. In this article, we will explore the best VoIP services of 2021 that can help streamline your business operations and revolutionize your communication channels.


RingCentral is a well-established player in the VoIP market, offering a comprehensive set of features such as video conferencing, team messaging, call management, and integrations with popular platforms like Microsoft 365 and G Suite. Known for its reliability and ease of setup, RingCentral has earned its spot as a top pick in the industry.


Nextiva is an excellent choice for businesses seeking a robust VoIP system with advanced CRM integrations. The platform provides voice and video calling, team messaging, call analytics, and seamless integration with leading CRM platforms like Salesforce. Nextiva’s user-friendly interface and strong customer support make it an attractive option.

3.Vonage Business Cloud

Vonage is renowned for its adaptability to businesses of all sizes due to its customizable plans and platform scalability. The service comes with essential features like HD voice quality, voicemail transcription, instant messaging, and video conferencing capabilities. Vonage Business Cloud also supports integrations with popular business tools such as Slack and Zoho CRM.


Offering a unified communications platform, 8×8 is suitable for businesses requiring global cloud-based communication solutions. With voice and video calling capabilities, team chat options, analytics tools, and a suite of integrations including Salesforce and Microsoft Teams

support 8×8 stands out as a comprehensive communication solution.

5.Ooma Office

Ooma Office is perfect for small businesses seeking an affordable and straightforward VoIP service. The platform provides reliable voice and video calling features, virtual receptionist services, on-hold music, and voicemail options. Ooma Office also integrates with platforms like Dropbox and Microsoft Dynamics 365, making it a compact solution for small organizations.


As the VoIP market continues to grow, businesses must choose a service tailored to their requirements. Be it scalability, integrations, or advanced features – the best VoIP providers have something for everyone. Evaluate your business needs, compare the top VoIP service options mentioned above, and select the one that best fits your organization’s communication demands. In doing so, you will revolutionize your business communications in 2021 and beyond.

The Best Pet Insurance Options: A Comprehensive Guide


Pet insurance has become increasingly popular in recent years as more and more pet owners are looking for ways to protect their furry family members. With the unexpected expenses and worries associated with pet health, it’s no wonder people want to ensure they’re equipped to provide the best care possible for their animals. In this article, we’ll delve into some of the best pet insurance options available today.

1. Trupanion

Trupanion offers comprehensive pet insurance covering accidents, illnesses, hereditary conditions, and even congenital issues that may affect your pet. Trupanion provides a hassle-free claims process and pays your veterinary directly, so there’s no need to pay upfront and wait for reimbursement.

2. Healthy Paws

Healthy Paws is another top-rated pet insurance provider, offering policies with no caps on payouts or annual limits. The company boasts quick claim reimbursements (as fast as 24 hours) and covers accidents, illnesses, hereditary conditions, and congenital issues.

3. ASPCA Pet Health Insurance
ASPCA Pet Health Insurance provides customizable coverage plans tailored to fit your specific needs and budget. They offer a variety of options, including accidents-only, accident & illness, or preventive care add-ons for comprehensive protection.

4. Embrace Pet Insurance

Embrace Pet Insurance offers flexible coverage options that allow you to choose from various deductibles, annual limits, and reimbursement percentages. They also provide coverage for exam fees and alternative therapies like acupuncture or hydrotherapy.

5. Figo

Figo’s pet insurance plans are designed with simplicity in mind: one comprehensive plan covering everything from emergencies to routine checkups. Their award-winning Pet Cloud mobile app allows you to manage your policy and file claims effortlessly.

6. Nationwide

Nationwide is the first insurer in the United States to offer pet insurance policies. They provide extensive coverage options tailored to fit your pet’s specific needs. Nationwide’s Whole Pet with Wellness plan covers accidents, diseases, and even wellness visits and vaccinations.

7. Petplan

Petplan offers comprehensive coverage for accidents, illnesses, hereditary conditions, and behavioral therapies. Additionally, their plans are customizable to fit your budget with options for reimbursement percentages, deductible choices, and annual limits.


Finding the best pet insurance policy for your pet is crucial to ensuring they receive the care they need without causing financial strain. There is a multitude of options available catering to various budgets and requirements. Research, compare, and ultimately choose the best pet insurance provider that meets your needs and provides peace of mind for you and your beloved companion.

Demystifying Car Insurance Quotes: A Comprehensive Guide


Car insurance is an essential component of owning and operating a vehicle. It provides financial protection for you and your loved ones in case of accidents or other unforeseen incidents. With the multitude of car insurance providers available, it can be overwhelming to find the best policy that meets your needs. In this article, we will guide you through the process of understanding and comparing car insurance quotes to help you make an informed decision.

What are Car Insurance Quotes?

A car insurance quote is an estimate provided by an insurance company detailing how much it would cost to insure your vehicle with their policy. Quotes are based on several factors such as your driving history, the type of vehicle you drive, your location, and your chosen coverage level. By obtaining multiple quotes from different providers, you can compare policy options and determine which company offers the best value for your needs.

Factors Affecting Car Insurance Quotes

1. Personal Information: Your age, sex, marital status, and location can all affect the cost of your car insurance. Generally speaking, younger drivers tend to pay higher premiums due to their limited driving experience.

2. Driving History: A clean driving record with no accidents or violations demonstrates responsible behavior and may result in lower premiums.

3. Vehicle Type: The make and model of your vehicle will affect the cost of your policy. Luxury cars or sports cars typically cost more to insure due to their higher risk of theft or accident.

4. Coverage Options: Your chosen deductibles and additional coverage options such as collision or comprehensive coverage will impact the overall cost of your policy.

5. Discounts: Many insurance companies offer discounts for various factors such as taking a defensive driving course or bundling home and auto policies.

How to Obtain Car Insurance Quotes

1. Online Tools: Many websites allow you to obtain quick quotes from multiple insurance providers by inputting basic information about yourself and your vehicle.

2. Insurance Company Websites: Visiting the website of individual insurance companies allows you to request quotes directly from the source.

3. Independent Agents: These agents represent multiple insurance companies and can provide several quotes, allowing you to compare options.

4. Referrals: Friends and family members who have had positive experiences with a particular insurance company can be a great resource for obtaining reliable quotes.

Comparing Car Insurance Quotes
When comparing quotes, it’s essential to look beyond just the price. Keep the following factors in mind:

1. Coverage Limits: Make sure that you are comparing apples-to-apples by confirming that all provided quotes have the same coverage limits, deductibles, and optional features.

2. Customer Reviews: Research each company’s reputation by reading customer testimonials, checking rating agencies, or asking for referrals.

3. Claims Process: Choose an insurer with a straightforward claims process for a hassle-free experience when filing a claim.

4. Payment Options: If you have budget constraints, look for flexible payment options such as monthly installments or discounts for paying your premium in full upfront.


Understanding and comparing car insurance quotes is crucial to ensure you get the best policy at an affordable price. Take time to shop around and gather multiple quotes before making your final decision. By considering factors like coverage limits, customer reviews, claims processing, and payment options, you can find the policy that best suits your needs while offering peace of mind on the road.

Top Small Business Insurance Providers: A Comprehensive Guide


Running a small business comes with its share of risks and challenges. One of the key steps to protect your business is obtaining the right insurance coverage. In this article, we will explore the top small business insurance providers and discuss their offerings to help you make an informed decision.

1. Hiscox:

Hiscox is a well-known insurance provider that specializes in small business insurance. They offer customized coverage options tailored for various industries, such as professional services, real estate, and retail. Some of their popular coverage plans include general liability, professional liability, and workers’ compensation.

2. The Hartford:

The Hartford is a top choice among small businesses due to their comprehensive coverage options and excellent customer service. Known for their Business Owner’s Policy (BOP), which combines property and general liability insurance, they also offer workers’ compensation and commercial auto coverage.

3. Nationwide:

Nationwide is another major player in the small business insurance market. They are committed to understanding the unique needs of each business and providing customized solutions accordingly. Nationwide offers a wide range of coverage options including general liability, commercial auto, and workers’ compensation.

4. Chubb:

Chubb is renowned for providing exceptional risk management solutions to its clients. They offer various insurance packages suitable for small businesses in diverse sectors such as manufacturing, healthcare, and technology. Their notable offerings encompass property
insurance, liability insurance, commercial auto coverage, and cyber risk protection.

5. CNA:

CNA has an extensive track record of providing reliable and robust insurance solutions for small businesses. They offer comprehensive insurance packages that cater to specific industries such as construction, professional services, financial institutions, and technology firms. CNA’s popular policies include general liability insurance, property Insurance, professional liability insurance, and employment practices liability insurance (EPLI).

6. State Farm:

State Farm is not only a leading provider of personal insurance but also offers quality small business insurances. Depending on your business needs, State Farm provides a wide range of coverages such as general liability protection, commercial auto, workers’ compensation, and more. They are well-known for their attentive customer service and prompt claims handling.


Selecting the right insurance provider is crucial to the success and protection of your small business. Each one of these providers offers tailored solutions to cater to various industries, risks, and needs. Analyze your specific requirements, consider factors like customer service, coverage options, and cost before you make your decision. Protect your business with the best insurance policy and ensure its smooth functioning for years to come.

Affordable Car Insurance Rates – An Informative Guide


Navigating the world of car insurance can be overwhelming, but obtaining an affordable and reliable policy doesn’t have to break the bank. By understanding various factors that influence insurance rates and using effective tactics, you’ll be well-equipped to find a suitable plan for your needs.

Factors Affecting Car Insurance Rates

1. Location: The area where you live matters, as it accounts for risk factors such as theft, accidents, and weather-related issues. High-risk areas will lead to higher premiums.

2. Age and Experience: Younger drivers with fewer years of experience tend to face higher rates since they are statistically more likely to be involved in accidents.

3. Driving Record: Naturally, a clean driving record will result in lower insurance rates. Accidents and violations increase the likelihood of claims, leading insurers to charge more.

4. Credit Score: Some insurers factor in your credit history when determining your premium because research suggests a correlation between credit scores and the likelihood of filing claims.

5. Vehicle Type: Insurers consider the make, model, and year of the vehicle when determining your rates since repair costs can vary widely depending on this information.

6. Coverage Choices: Of course, the type and amount of coverage you select will play a significant role in determining your premiums.

Finding Cheap Car Insurance Rates

1. Shop Around: Obtain quotes from multiple companies to identify which insurer offers the best combination of coverage options and affordability for your specific needs.

2. Bundle Policies: Many insurers offer discounts for customers who bundle multiple policies together, such as auto and homeowners insurance.

3. Increase Deductibles: Opting for higher deductibles lowers insurance premiums since you’re agreeing to cover more costs out-of-pocket before coverage kicks in.

4. Seek Discounts: Look for eligible discounts such as safe driver programs, low mileage, or anti-theft devices installed in your vehicle.

5. Maintain a Good Credit Score: A solid credit history will go a long way in helping you secure favorable insurance rates.

6. Utilize Telematics Programs: Some insurers offer programs that monitor driving habits and reward safe drivers with reduced premiums based on the data collected.

7. Maintain a Safe Driving Record: Ensuring you drive safely and cautiously will not only save you money on potential repairs but also help keep your premiums low.

In conclusion, car insurance doesn’t have to be exorbitantly expensive. By considering the factors that affect your rates and adopting smart strategies like shopping around for better options, seeking discounts, and maintaining good driving habits, it’s possible to find an affordable insurance policy that meets your protection needs.

Top Car Insurance Companies: A Comprehensive Guide


Choosing the right car insurance company is essential to ensure you receive the best possible coverage and support when you need it. With so many options available, it can be challenging to decide which provider offers the right combination of price, service, and coverage to fit your needs. In this article, we will discuss some of the best car insurance companies, as curated by Forbes Advisor.

1. Geico:

Geico is a popular choice among consumers for its competitive rates, comprehensive coverage options, and user-friendly online platform. With a variety of discounts available, it caters to various customers ranging from students to military personnel. Geico offers 24/7 customer support and claims processing through its website, mobile app, or telephone.

2. State Farm:

State Farm is one of the largest insurers in the United States and consistently ranks high for customer satisfaction. Offering a range of coverage options with various discounts and add-ons, State Farm appeals to a broad audience. Notably, their Drive Safe & Save program rewards policyholders for safe driving habits with potential premium reductions.

3. Progressive:

Progressive is known for its versatile policies and numerous online tools that make customization easy for customers. They offer an extensive array of coverage choices alongside various discount opportunities such as bundling home and auto insurance or participating in their Snapshot® program to track driving behavior for potential savings.

4. Allstate:

Allstate offers a mix of traditional auto insurance policies along with innovative programs and features like Drivewise®, which monitors driving habits for potential reward points redeemable for gift cards and merchandise. Allstate also emphasizes personalized service through its network of local agents, ensuring a more tailored customer experience.

5. Liberty Mutual:

Liberty Mutual’s focus on tailor-made policies helps set it apart from other providers, allowing customers to select coverage options that cater specifically to their needs. Their partnership with Volvo also enables new car owners to enjoy a seamless insurance experience. Furthermore, Liberty Mutual’s RightTrack® program offers discount opportunities based on safe driving habits.

6. Farmers Insurance:

Farmers Insurance offers standard coverage options alongside unique add-ons such as incident forgiveness and customized equipment coverage. Their Signal app tracks driving behaviors and rewards policyholders with potential reductions in their premium. Farmers Insurance also boasts a strong network of agents, providing personalized customer support.

7. Nationwide:

Nationwide provides comprehensive car insurance solutions with a variety of optional extras such as vanishing deductibles and accident forgiveness. Its SmartRide program uses telematics devices to track driving habits, offering potential premium discounts for safer drivers. Nationwide also focuses on financial stability, with consistently high ratings from credit rating agencies.

8. Travelers:

Travelers is a reputable auto insurance company with a long-standing history in the industry. Offering standard coverage options alongside unique features like Ride-Guard® for rideshare drivers, Travelers caters to various customers’ needs. Their IntelliDrive program assesses driving habits for possible discounts and has a strong financial backing, ensuring stability for its policyholders.


Finding the best car insurance company depends on your specific needs, budget, and preferences. It is crucial to evaluate each provider’s offerings thoroughly and factor in available discounts programs while keeping your priorities in mind. By doing so, you can confidently make an informed decision on the right auto insurance provider for your unique situation.