# Beginner Guides
TenPayGo: A Simple, Smooth Way to Use US Credit Cards for QR-Code Payments in China, with Bonus Earning Potential
Last month, I tested US Bank Altitude Rewards, BofA Alaska Summit, and Chase Sapphire Reserve with TenPayGo + Apple Pay, and all of them triggered 3x bonus earnings. If you have an...
7 Tips to Help You Get the All-Time Highest 100,000-Point Welcome Bonus on the Chase Sapphire Preferred!
This 100,000 offer is about to expire at the end of the month, so move fast! Here’s another useful timing trick. Some people end up getting hit with a 524 only after the 100,000 si...
BBAE US Brokerage Guide: Get Up to $650 for Opening an Account, and You Can Sign Up with a Chinese ID Card!
BBAE now has a new-user funding bonus of up to $400. In addition, there’s a stackable referral/channel bonus worth an extra $50-$100. See the details below. BBAE account opening do...
Teach a man to fish: how to get free phones in the U.S. every year?
In the U.S., through T-Mobile's refer/KS/rebates trio, you can buy an iPhone not only for $0 but even come out ahead. Of course, phones in the U.S. are not free out of thin air. Wh...
OKX Crypto Platform Guide: All-Time-High $500 Bonus, Step-by-Step Instructions; Up to 8.5% APY Available
The signup bonus has increased to $500, which is likely an all-time high. You can earn rewards by signing up, verifying your identity, and trading. In addition, if you register thr...
Do Parents and Family Need Insurance When They Come to the U.S.? How Do You Buy It?
When parents come to the U.S., travel insurance from a credit card can help cover flight, baggage, and trip expenses, but the real costs to watch out for are U.S. emergency room an...
The Path to Financial Freedom: How Should You Use Retirement Accounts When You Need Money Fast, Face a Serious Illness, or Retire?
This article is very important because financial freedom does not end once you put money into the account. When it’s time to actually use that money, the taxes, restrictions, and r...
ENC Mobile: Dual US-China Numbers, Can Be Activated in China, with US IP Roaming Data!
Many users have reported that Tello can no longer be activated directly in mainland China, and using roaming in China for an extended period may result in account suspension. In ad...
Rove Miles Guide: New Qantas Transfer Partner, Plus a 50% Bonus
Rove has added Qantas as a new transfer partner at a 1:1 ratio. Even better, transfers made before August 14 get a 50% bonus, making it 1:1.5. Their partner list keeps growing!...
Path to Financial Freedom: A Must-Read for Middle- and High-Income Earners! Tax-Saving Tips for Contributing More to Roth
For most high-income households, Backdoor Roth IRA and Mega Backdoor Roth are both Roth strategies well worth understanding. They aren’t universal solutions, but when used correctl...
SoFi Bank and Investing Account: Limited-Time $475 Signup Bonus, Stackable with $200 from Cashback Portals!
SoFi’s signup bonus has increased to $475, which should be the highest ever! The bonus is fairly easy to earn, and you can now stack it with cashback portal rewards too. Opening th...