Podcasts about SCRA

30+ premium credit cards—including the Amex Platinum and Chase Sapphire Reserve—without paying a single dollar in annual fees? Spencer Reese breaks down exactly how active duty service members, Guard/Reserve on orders, and military spouses can access over $10,000 in annual fee waivers through the Military Lending Act (MLA) and SCRA. Recorded on Veterans Day, this episode is packed with tactical strategies for building wealth while traveling the world in luxury. Summary Spencer Reese joins Ross from Itinerary Boss for a comprehensive breakdown of military credit card benefits. Spencer explains the Military Lending Act (MLA) and Servicemembers Civil Relief Act (SCRA), revealing how active duty members and military spouses can access premium cards like the $895 Amex Platinum with zero annual fees. The conversation covers optimal credit card sequencing, what happens when you transition from active duty to veteran status, how to leverage OCONUS assignments for incredible award travel, hotel status strategies, and Spencer's personal redemption stories including luxury stays in Dubai and business class flights around the world. Spencer also addresses common misconceptions about credit cards, shares tracking tools and automation tips, and explains why most military families are "stepping over dollars to pick up pennies" by not taking advantage of these benefits. Key Topics & Questions Covered Understanding Military Credit Card Benefits The Legal Foundation Eligible Cards & Annual Fee Savings Multiple Cards Strategy Credit Card Sequencing Strategy Building Your Foundation Optimal Application Order Why Order Matters Maximizing Credit Card Benefits Annual Recurring Credits Per Card Stacking Strategy Example International Usage Transitioning from Active Duty to Veteran What Happens to Your Cards Chase Timeline American Express Timeline Downgrade Strategy Travel Redemption Strategies OCONUS Assignment Advantages Spencer's Success Stories Hotel Status Strategy Common Mistakes & Misconceptions Biggest Mistakes Military Families Make Stopping at one card - Missing thousands in benefits Opening Amex Platinum first - Should start with Chase Using wrong card for purchases - Groceries on Platinum instead of Gold Fear of credit cards - Dave Ramsey's influence Not checking MLA database first - Missing automatic waivers Buying too much car - #1 financial mistake Spencer sees Ignoring hotel status cards - Missing upgrade opportunities Dave Ramsey Debate Credit Score Myths Tools & Automation Tracking Apps & Software Card Pointers - Credit optimization MaxRewards - Best card for each purchase Travel Freely - Track card opening dates, 5/24 status Use Your Credits - Find Resy restaurants with e-gift cards Spreadsheet method - Spencer's preferred approach Automation Tips Batching Strategy Hotel & Airline Status Hotel Status Cards Why Hotel Status Matters Hyatt Globalist Priority Resources & Links Mentioned Military Benefits Resources MLA Database - Check your Military Lending Act eligibility SCRA (Servicemembers Civil Relief Act) DOD MWR Libby App - Free ebook/audiobook access to Spencer's book Credit Card Tools Card Pointers - Credit card optimization app MaxRewards - Best card selector Travel Freely - Card tracking for 5/24 status Use Your Credits - Find Resy restaurants with e-gift cards United Travel Bank - Trigger airline credits Key Tactical Takeaways Immediate Actions (This Week) Verify MLA eligibility at mla.dmdc.osd.mil (print PDF for records) Check credit score - Need 720+ for premium cards Open Chase Freedom or Freedom Unlimited if no Chase relationship Set up automatic payments on all existing cards Calculate current annual fee savings if already have cards Short Term (This Month) Apply for Chase Sapphire Reserve or Preferred (check welcome bonuses) Open Amex Green → Start the Amex family progression Verify military status on existing accounts Set up recurring digital entertainment credits Create spreadsheet to track cards and credits Medium Term (This Quarter) Add Amex Gold after 90 days from Green Apply for hotel status cards (Hilton Aspire, Marriott Brilliant) Set quarterly reminders for Resy credits Purchase United Travel Bank in January for airline credits Book TDY/deployment hotels to build status Long Term (This Year) Add Amex Platinum after Amex Gold established Upgrade Freedom to CSR after 12 months (if desired) Build toward hotel Globalist status with Hyatt Plan OCONUS travel using points from home airport Prepare transition strategy if separating Spencer and Jamie offer one-on-one Military Money Mentor sessions. Get your personal military money and personal finance questions answered in a confidential coaching call. militarymoneymanual.com/mentor Over 20,000 military servicemembers and military spouses have graduated from the 100% free course available at militarymoneymanual.com/umc3 In the Ultimate Military Credit Cards Course, you can learn how to apply for the most premium credit cards and get special military protections, such as waived annual fees, on elite cards like The Platinum Card® from American Express and the Chase Sapphire Reserve® Card. https://militarymoneymanual.com/amex-platinum-military/ https://militarymoneymanual.com/chase-sapphire-reserve-military/ Learn how active duty military, military spouses, and Guard and Reserves on 30+ day active orders can get your annual fees waived on premium credit cards in the Ultimate Military Credit Cards Course at militarymoneymanual.com/umc3 If you want to maximize your military paycheck, check out Spencer's 5 star rated book The Military Money Manual: A Practical Guide to Financial Freedom on Amazon or at shop.militarymoneymanual.com. Want to be confident with your TSP investing? Check out the Confident TSP Investing course at militarymoneymanual.com/tsp to learn all about the Thrift Savings Plan and strategies for growing your wealth while in the military. Use promo code "podcast24" for $50 off. Plus, for every course sold, we'll donate one course to an E-4 or below- for FREE! If you have a question you would like us to answer on the podcast, please reach out on instagram.com/militarymoneymanual.

Tá leagan amach nua déanta ar Fhéile Ghobnatan i nGaeltacht Mhúscraí.

In this episode of The Consumer Finance Podcast, Chris Willis is joined by colleagues Jason Manning and Carter Nichols to explore the intricacies of the Servicemembers Civil Relief Act (SCRA). As the current administration emphasizes the protection of servicemembers, understanding the SCRA's provisions is more crucial than ever. The discussion covers the array of legal protections offered to active duty military members, reservists, and National Guard members, including interest rate caps, eviction protections, and lease terminations. The episode also delves into the complexities of active duty status and the differences between the SCRA and the Military Lending Act. With a surge in litigation and regulatory scrutiny, this episode provides timely insights for financial institutions navigating compliance and litigation risks. Tune in to grasp the nuances of these critical statutes and their implications for the consumer finance industry. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Wondering how to unlock premium travel perks and avoid annual fees while serving on Active Duty, the Guard, Reserves? Or maybe you're a military spouse and curious if you qualify for the same protections and waivers? This episode dives deep into the ins and outs of MLA and SCRA protections, credit card strategies, and maximizing those free hotel nights and points. Links & Resources Mentioned: Spencer's article explaining MLA Database MLA Database Lookup SCRA Request Page – Amex Mentorship with Spencer & Jamie For a limited time, Spencer is offering one-on-one Military Money Mentor sessions! Get your personal military money and investing questions answered in a confidential coaching call. Our new TSP course is live! Check out the Confident TSP Investing course at militarymoneymanual.com/tsp to learn all about the Thrift Savings Plan and strategies for growing your wealth while in the military. Use promo code "podcast24" for $50 off. Plus, for every course sold, we'll donate one course to an E-4 or below- for FREE! If you have a question you would like us to answer on the podcast, please reach out on instagram.com/militarymoneymanual or email podcast@militarymoneymanual.com. If you want to maximize your military paycheck, check out Spencer's 5 star rated book The Military Money Manual: A Practical Guide to Financial Freedom on Amazon or at shop.militarymoneymanual.com. I also offer a 100% free course on military travel hacking and getting annual fee waived credit cards, like The Platinum Card® from American Express, the American Express® Gold Card, and the Chase Sapphire Reserve® Card in my Ultimate Military Credit Cards Course at militarymoneymanual.com/umc3. Learn how to get your annual fees waived on premium credit cards from American Express in the Ultimate Military Credit Cards Course at militarymoneymanual.com/umc3. The Platinum Card® from American Express and the American Express® Gold Card waive the annual fee for active duty military servicemembers, including Guard and Reserve on active orders over 30 days. The annual fees on all personal Amex cards are also waived for military spouses married to active duty troops.

Tá Comhairle Contae Chorcaí le athbhreithniú a dhéanamh go luath ar an bplean forbartha contae agus beidh deis ansin le go mbeadh coinníoll teanga i gceist le haon fhorbairtí tithíochta i gceantair Ghaeltachta amach anseo.

7 SIMPLE Steps That Made Me a Millionaire in the Military Hosted by: David Pere Episode Type: Personal Finance, Wealth Building Length: ~16 minutes Watch on YouTube: 7 SIMPLE Steps That Made Me a Millionaire in the Military

Céard é a thuairim faoin méid a dúirt Údarás na Gaeltachta faoi chúrsaí tithíochta I nGaeltacht Mhúscraí ag éisteacht an Chomhchoiste Oireachtais?

Active duty servicemembers and reservists and national guard troops called to active duty have particular rights and protections under the Servicemembers Civil Relief Act. The Department of Justice wants to remind them, and the organizations with which they do business, about these protections. Here with more on DOJ's two new SCRA fact sheets is the United States Assistant Attorney General for the Civil Rights Division, Mac Warner.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Tá scata tithe, idir tithíocht shóisialta agus eastáití príobháideacha, á dtógaint, nó beartaithe do cheantar Bhaile Mhuirne fé láthair.

Comharchumann Forbartha Mhúscraí ag iarraidh ar an bpobal páirt a ghlacadh sa bpróiséas comhairliúcháin faoi bheartas nua forbartha tuaithe.

Cead tugtha do Future Energy Ireland feirm gaoithe a fhorbairt ag Gort Uí Rathaille i Múscraí.

Fógraíodh an tseachtain seo caite go bhfuil deontas 40 míle euro le fáil ag Meitheal Orgánach Mhúscra faoin scéim Rialtais atá dírithe ar an slabhra bídh a chiorrú.

Tuairmí mhuintir Mhúscraí faoín olltoghchán; Micheál Ó Scanail, Aodán Ó Luasa, Concubhar Ó Luasa, Eilís Uí Thuama, Katie Uí Chuill.

Are you feeling overwhelmed and struggling to prioritize your time as a school leader? In this episode, I share some exciting news about my upcoming digital course, Take Control of Your Leadership: A Road to Awesome Map for Early Career Leaders. This course is designed to help you overcome overwhelm, focus on what truly matters, and lead with clarity.Sign up for our mailing list at roadtoawesome.net to get early access, special pricing, and exclusive bonuses! And stay tuned for information on this exciting new course.And now...about our guest on this week's episode:Laura Mixon Camacho, PhD, is an executive communication strategist and culture fixer. From her deep dive research into luxury brand messaging, winning political campaigns, and neuroscience, she takes a bespoke approach to teaching highly intelligent high-performers how to connect, engage and inspire people to improve business outcomes and build culture.Her articles on influence and culture have been regularly featured in several publications, including Forbes, The Southern C, Lionesses of Africa and Training Industry.She is also author of the Cultured Communication Workbook and The Practical Guide to Effective Communication. Her podcast, Speak Up with Laura Camacho, is ranked #2 in the world for communication skills podcasts and lists in the top 2.5% of all podcasts in the world.Laura's recent clients include ABI, Bosch, Charleston County, Charleston Water Systems, Comcast, Catch Talent, Google, King Bean Coffee, Mayne Pharma, Medtronic, Nestlé, SCRA, Society of Women Engineers, among others.She lives in Mt. Pleasant with husband, Ruben. When not working she can be found daydreaming at the beach on Sullivan's Island.Connect with Laura:Contact: hello@speakupwithlaura.comInstagram: Speak Up With LauraX/Twitter: Speak Up With Laura Linkedin: Laura Mixon Camacho, PhDWebsite: www.speakupwithlaura.comPodcast: Speak Up: Develop Your Executive Presence

Súil ag Niall Ó Luasa go gcuirfidh an deontas do Shlí Ghaeltacht Mhúscraí feabhas ar an gcosán agus go meallfar breis cuairteoirí an dúthaigh.

Beidh cluichí oilimpeacha Mhúscraí ar bun i mBéal Átha an Ghaorthaigh an deireadh seachtaine seo.

  A veteran who became ensnared in a dispute with a local homeowners' association over a patriotic mailbox wrap says the display will get to stay. Retired U.S. Navy Officer John Ackert says the Southwood Residential Community Association is changing its rules and will now allow American flag wraps on mailboxes in the Southwood neighborhood. Ackert says he was informed of the news on Monday and that the rule change is already in effect. The decision came after Ackert received a letter stating that his flag mailbox cover violated HOA rules and would have to be removed. Ackert wrote an appeal and the SCRA held a meeting to review the rules before ultimately deciding on the change.  So Just be cautious prior to moving in… Your Realtor cannot change the restrictive covenants….and even if you read it one way .. like literally, they can still sue you… js. What is LRV? What is Light Reflectance Value?Understanding LRV is crucial when choosing color for the built environment, interior and exterior.  LRV – You may have noticed these three letters on manufacturer's color specifications, on the back of paint swatches or noticed an entire column dedicated on precious few square inches of space available in the index of paint fan decks. What do those letters stand for? What does the LRV number mean and how is it used? It is rather simple. Paying attention to a color's LRV can prevent poor color/paint color selections by helping you determine and evaluate certain color characteristics.Keywords: LRV, Light Reflectance Value, brightness, lightness, visual ergonomicsINTRODUCTION LRV is the acronym for Light Reflectance Value. As mentioned, LRV is on the back of most color swatches and in the index of all major brands' fandecks. Value is often confused with the term intensity. Intensity is about vividness or dullness – is the color clear or muted. Value is an important term used in color and it speaks strictly to the lightness or darkness of a color.What is LRV Light Reflectance Value?Light Reflectance Value (LRV) is the total quantity of visible and useable light reflected by a surface in all directions and at all wavelengths when illuminated by a light source. (ref. British Standard BS 8300:2001/A1:2005)  LRV is a measurement that tells you how much light a color reflects, and conversely how much it absorbs. LRV runs on a scale from 0% to 100%. Zero assumed to be an absolute black and 100% being an assumed perfectly reflective white. An absolute black or perfectly reflecting white does not exist in our everyday terms. Approximately speaking, the average blackest black has an LRV of 5% and the whitest white 85%. Some yellows can measure up into the 80's or 90's as well.What are the precautions of LRV Light Reflectance Value of Paint Colors?It is true that LRV Light Reflectance Value communicates a lot about a potential wall color, possibly provides even more of a sense of the color than those very small color chips – and we all know the issues with relying on just the small color chips.LRV refers to the percentage of light reflected by the paint color regardless of how much light is present. The LRV number is a measurement, a piece of data and is one of the few things about a color that is a consistent factor. No matter from what direction the natural light enters a room, no matter what reflection of color you get from the other elements in the room, no matter what other conditions exist that will affect the context in which the wall color is experienced, the LRV is the GARNET & GOLD - This is where we review a local or not so local wine (garnet) beer/bourbon (gold)  Thanks for listening! Get bonus content on Patreon Become a member at https://plus.acast.com/s/pattysplayhouse https://plus.acast.com/s/pattysplayhouse. Hosted on Acast. See acast.com/privacy for more information.

ASMR Satisfying Head Peeling, Face & Ear Cleaning, Konjac Sponges, Tapping, ScraAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

Cuirfidh aisteoirí óga Choláiste Ghobnatan an dráma 'Faoiseamh' ar stáitse san Ionad Cultúrtha i mBaile Mhuirne ar a 4 a chlog tráthnona de Domhnaigh. Dráma nua scríofa agus léirithe ag Esther Ní Dhuinnín atá ann.

Spouse residency rules can sometimes feel very confusing. But today, Kate Horrell helps understand the rules and requirements regarding which state servicemembers and their spouses can use for tax filing purposes. We cover things like: What is the SCRA? What is the Military Spouse Residency Relief Act? What have the recent laws changed regarding military taxes? How does my home of record impact my state taxes? How do spouses actually have more protection in this area that the servicemember does? How does a servicemember's non-military pay get taxed? The Military Spouse Residency Relief Act (MSRRA) is not a standalone law. It actually updates SCRA. The SCRA was also further amneded under the Veterans Auto and Education Improvement Act of 2022 which stated: "For any taxable year of marriage, a servicemember AND the spouse of such servicemember may elect to use for purposes of taxation, regardless of the date on which the marriage of the servicemember and the spouse occured, any of the following:     (a) The residence or domicile of the servicemember    (b) The residence or domicile of the spouse    (c) The permanent duty station of the servicemember" View the full text of the law here. Read more about these laws on Kate's webiste and her awesome Confidently Prepared Life Binder (avaialble as a fillable PDF too!). KateHorrell.com has a lot of great info on military life, pay, benefits, and college and helpful checklists, and she's a great friend of the show. For a limited time, Spencer is offering one-on-one Military Money Coaching sessions! Get your personal military money and investing questions answered in a confidential coaching call. Our new TSP course is live! Check out the Confident TSP Investing course at militarymoneymanual.com/tsp to learn all about the Thrift Savings Plan and strategies for growing your wealth while in the military. Use promo code "podcast24" for $50 off. Plus, for every course sold, we'll donate one course to an E-4 or below- for FREE! If you have a question you would like us to answer on the podcast, please reach out on instagram.com/militarymoneymanual or email podcast@militarymoneymanual.com. If you want to maximize your military paycheck, check out Spencer's 5 star rated book The Military Money Manual: A Practical Guide to Financial Freedom on Amazon or at shop.militarymoneymanual.com. I also offer a 100% free course on military travel hacking and getting annual fee waived credit cards, like The Platinum Card® from American Express, the American Express® Gold Card, and the Chase Sapphire Reserve® Card in my Ultimate Military Credit Cards Course at militarymoneymanual.com/umc3. Learn how to get your annual fees waived on premium credit cards from American Express in the Ultimate Military Credit Cards Course at militarymoneymanual.com/umc3. The Platinum Card® from American Express and the American Express® Gold Card waive the annual fee for active duty military servicemembers, including Guard and Reserve on active orders over 30 days. The annual fees on all personal Amex cards are also waived for military spouses married to active duty troops.

Easpa seirbhís taistil ó Bhus Éireann i gceantar Mhúscraí a deir an TD Aindrias Ó Muineacháin.

It's tax season! Start collecting your 1099s, W-2s, and charitable donations. Whether you do your own taxes or not, you'll need all the documentation ready to go.    Most military families should be able to do their own taxes via MilTax from MilitaryOneSource, especially if you have W-2 income only with a simple tax situation. The software is FREE, our favorite one, and what we've personally used when our situations were more simple. Once you start having multiple rental properties, side hustles, or are having to pay taxes, it's probably worth $400 or so to hire a CPA.   We also discuss tax planning for military families, what that means, and how to reduce your tax bill and withholdings smartly. If you like getting a big refund each spring, but you're living paycheck-to-paycheck, we discuss why you might want to change that strategy too. Our new TSP course is live! Check out the Confident TSP Investing course at militarymoneymanual.com/tsp to learn all about the Thrift Savings Plan and strategies for growing your wealth while in the military. Use promo code "podcast24" for $50 off. Plus, for every course sold, we'll donate one course to an E-4 or below- for FREE! If you have a question you would like us to answer on the podcast, please reach out on instagram.com/militarymoneymanual or email podcast@militarymoneymanual.com. If you want to maximize your military paycheck, check out Spencer's 5 star rated book The Military Money Manual: A Practical Guide to Financial Freedom on Amazon at or at shop.militarymoneymanual.com. I also offer a 100% free course on military travel hacking and getting annual fee waived credit cards, like The Platinum Card® from American Express, the American Express® Gold Card, and the Chase Sapphire Reserve® Card in my Ultimate Military Credit Cards Course at militarymoneymanual.com/umc3. Learn how to get your annual fees waived on premium credit cards from American Express in the Ultimate Military Credit Cards Course at militarymoneymanual.com/umc3. The Platinum Card® from American Express and the American Express® Gold Card waive the annual fee for active duty military servicemembers, including Guard and Reserve on active orders over 30 days. The annual fees on all personal Amex cards are also waived for military spouses married to active duty troops.

Today we are chatting with Jackie Swayze from @maximizingmypto, who is a speaker at the Bougie in a Backpack Virtual Travel Summit. Jackie is currently on a journey to travel to all 7 continents in 3 months, and currently in her last continent, Antartica! She is speaking at the travel summit about 7 lessons she's learned from traveling to all seven continents. In this episode we chat about: How Jackie got started with the Southwest Companion Pass, points, and miles The easy and hard ways to earn companion pass Strategies for traveling while working a 9-5 How she managed to plan a 7 continent trip How much it costs to travel to Antarctica What to look for when booking a trip to Antarctica How to negotiate out of additional credit card fees when booking through a travel agent ..and more! You can find Jackie here: IG: ⁠⁠instagram.com/maximizingmypto linktr.ee/maximizingmypto If your are interested in applying to be a speaker for our future travel summits, you can sign up ⁠⁠⁠⁠here⁠⁠⁠⁠! You can find our FREE Travel Hacking Beginner's Blueprint ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠: https://dashboard.mailerlite.com/forms/457913/90732056966858389/share Want to submit a question or comment to our Bougie Mailbag? You can do so here: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://forms.gle/Hb3iAbCfsK5BWnii8⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Be sure to join our ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠facebook community⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠: facebook.com/groups/bougieinabackpack Download ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠CardPointers⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ to know the right card to use when, and to track your credit card offers across cards! Using this link, you can save 30% or more on a Pro membership. ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠cardpointers.com/bougie⁠⁠⁠⁠⁠⁠⁠⁠ Sign up for ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Travel Freely ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠and download the App for free to organize your credit cards! ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://my.travelfreely.com/share?bref=bbmp⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Bougie in a Backpack is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as Milevalue.com. This compensation may impact how and where links appear. This site does not include all financial companies or all available financial offers. Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more. All of our favorite cards are listed ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ if you want to learn more! ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠milevalue.com/best-credit-cards/?aff=biab⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Cards that are recommended for Military who fall under SCRA come with built in benefits, such as Uber credits, airline credits, free night certificates, and tend to have high annual fees (that you don't need to worry about!). : ⁠⁠https://milevalue.com/creditcards/american-express-gold-card/?aff=biab⁠⁠ Find us on instagram: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.instagram.com/bougieinabackpack/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.instagram.com/travelmack⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠enzie⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.instagram.com/pennywisetraveler

Today we are chatting with Laura Lopez from I Travel with Laura (@i.travel.with.laura), who is a speaker at the Bougie in a Backpack Virtual Travel Summit. Laura is a combat veteran, and mom who loves to travel, and teaches you how to leverage military benefits to travel more. Military active duty and some reserve and guard get many consumer card annual fees waived thanks to the SCRA. In this epsiode, we chat about: How to get your credit card fees waived if you are active duty or if you are on orders for 30 days or more for reserve or guard Which cards are the best for Military under SCRA Which lounges will let you in for free if you are military (not just the USO!) Which airlines will let you board early Discounts Military members can get for travel accommodations, attractions, events, and concerts Tips for traveling in Puerto Rico, and food recommendations in Guavate Which cards don't waive annual fees (avoid these!) How you can get your interest reduced to 0% APR even on cards that do not waive annual fees What cards are helpful to get if your are military and need to build your credit Pros and Cons of using Space-A ..and more! You can find Laura here: IG: ⁠instagram.com/i.travel.with.laura⁠ Facebook: I Travel With Laura www.itravelwithlaura.com/ If your are interested in applying to be a speaker for the Bougie in a Backpack Virtual Travel Summit, you can sign up ⁠⁠⁠here⁠⁠⁠! https://forms.gle/pApfdAcxrxXbnunK6 You can find our FREE Travel Hacking Beginner's Blueprint ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠: https://dashboard.mailerlite.com/forms/457913/90732056966858389/share Want to submit a question or comment to our Bougie Mailbag? You can do so here: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://forms.gle/Hb3iAbCfsK5BWnii8⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Be sure to join our ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠facebook community⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠: facebook.com/groups/bougieinabackpack Download ⁠⁠⁠⁠⁠⁠⁠⁠⁠CardPointers⁠⁠⁠⁠⁠⁠⁠⁠⁠ to know the right card to use when, and to track your credit card offers across cards! Using this link, you can save 30% or more on a Pro membership. ⁠⁠⁠⁠⁠⁠⁠⁠⁠cardpointers.com/bougie⁠⁠⁠⁠⁠⁠⁠ Sign up for ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Travel Freely ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠and download the App for free to organize your credit cards! ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://my.travelfreely.com/share?bref=bbmp⁠⁠⁠⁠⁠⁠⁠⁠⁠ Bougie in a Backpack is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as Milevalue.com. This compensation may impact how and where links appear. This site does not include all financial companies or all available financial offers. Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more. All of our favorite cards are listed ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ if you want to learn more! ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠milevalue.com/best-credit-cards/?aff=biab⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Cards that are recommended for Military who fall under SCRA come with built in benefits, such as Uber credits, airline credits, free night certificates, and tend to have high annual fees (that you don't need to worry about!). : ⁠https://milevalue.com/creditcards/american-express-gold-card/?aff=biab⁠ https://milevalue.com/creditcards/the-platinum-card/?aff=biab https://milevalue.com/creditcards/southwest-rapid-rewards-priority/?aff=biab https://milevalue.com/creditcards/marriott-bonvoy-brilliant/?aff=biab https://milevalue.com/creditcards/world-of-hyatt-card/?aff=biab https://milevalue.com/creditcards/hilton-honors-surpass-card/?aff=biab Find us on instagram: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.instagram.com/bougieinabackpack/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.instagram.com/travelhacksmack⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.instagram.com/pennywisetraveler

Sí Helen Quill atá bhfeighil ranganna ealaíona d'aosaigh Mhúscraí. Bíonn ranganna ar bun aici i mBaile Bhúirne,Cill na Martra agus Baile Bhúirne.

Tuarascáil nua foilsithe ag Grúpa Stráitéise agus Bainistíochta na bhFianna in Éirinn ar maidin - ag moladh go ndéanfaí ciondíothú ar thréad na bhfianna sa tír.

Beidh Dámhscoil Mhúscraí Uí Fhloinn ar bun i gCúil Aodha ar an 29ú lá do Nollaig. Ceist na siochána sa Mheán Oirthear atá curtha aige cléireach na Dáimhscoile i mbliana.

Seoladh "Plean Thaithí Cuairteora" 5 bliana Iarthar Chorcaí agus Neidín, de chuid Fháilte Éireann i Ros Ó gCairbre i gContae Chorcaí inné, agus mar chuid don bplean, a thógann san áireamh os cionn 100 oileán, agus na céadta ciliméadar taistil, tá Ceantar Gaeltachta Mhúscraí.

This week, join us as we revisit our episode on Servicemembers Civil Relief Act a refresher! Original Air Date: June 18, 2019 The Servicemembers Civil Relief Act (SCRA), formerly known as the Soldiers and Sailors Civil Relief Act, are a set of laws that allow military personnel and servicemembers to focus on defending our nation, instead of worrying about financial issues and legal actions.  The SCRA's important protections come into play in any legal proceeding involving active duty military personnel, and include additional requirements to assist in protecting them.  Join Steve and Rebecca as they discuss this important legislation, and what you need to know to comply with it in your subrogation actions. If you are an attorney and would like to donate your legal services to assist servicemembers, veterans, or their families, you can find information on the ABA Military Pro Bono Project, Operation Standby, ABA Home Front, and the Veterans' Claims Assistance Network here. If you are a servicemember with questions about the Act, please refer to the excellent  SCRA Questions and Answers for Servicemembers page on the Department of Justice's website. From the Department of Justice, if you have additional questions or feel that your rights under the SCRA have been violated, contact the Armed Forces Legal Assistance Program office near you. If you are in an emergency situation (such as an imminent foreclosure, eviction or repossession), you can contact Civil Rights Division's Housing and Civil Enforcement Section: (202) 514-4713 TTY – 202-305-1882 U.S. Department of Justice Civil Rights Division 950 Pennsylvania Avenue N.W. Housing and Civil Enforcement Section, NWB Washington, D.C. 20530 Email: fairhousing@usdoj.gov Thank you for your service  

Buailfidh an tAire Iompair Eamon Ryan le baill Chomharchumann Forbartha Mhúscraí inniu lena bhfeachtas chun comharthaíocht le dealramh a chur ar sheachbhóthar nua Bhaile Mhuirne agus Mhá Chromtha a phlé.

Béal Átha an Ghaorthaigh an baile is fearr Gaeltacht a bhain poinntí amach i gcomórtas na mbailte slachthmhara i mbliana. Helen de Gordún,Tadhg Ó Duinín Cecilly Ni Loingsigh,Nóirín Uí Thuama Máirín Ui Thuama, Micheál Ó Gliosáin.

Rithfear rás 5K ar sheach bhóthar Bhaile Mhúirne seachtain ón Satharn,

This week, our hosts Matthew and Heather are joined by Adrianne Grimes and Bob Quinn, leaders of the South Carolina Research Authority (SCRA). Our guests share how they have been able to fuel South Carolina's innovation economy by accelerating technology enabled growth of academia, entrepreneurship, and industry. Tune in now!

The guys are in Knoxville, Iowa for the 62nd annual Knoxville Nationals. We are LIVE at the One Eleven Public House in downtown Knoxville. It was lined up to do another podcast here, with a driver, but nothing was set in stone yet. Some plans came together on Wednesday and we ended up meeting up with "The Demon" Damion Gardner, and Sean Buckley (aka: Jackslash!) They were in town promoting and debuting the new film "Worlds Fastest Sprint Car." Just a few non-wing sprint car guys hanging out in wing country! Man, we had a ton of fun during this episode! So buckle up and enjoy the ride! Discussed: - The early years in racing for "The Demon." Turns out he didn't start out in non-wing cars

Conas is féidir le pobal Mhúscraí gearradh siar air chostaisí fuinnimh? Conas is féidir buntáiste bhaint as na feirmeacha gaoithe sa cheantar?

Today's Story: Breaking Down Barriers to Employment

Beidh cluichí Oilimpeacha Mhúscraí ar bun an deireadh seachtaine seo chughainn. Fóirne san iomaíocht i raon leathan spóirt ó pharóistí na Gaeltachta.

Spencer and Jamie tackle reader questions in a lightning round format in this episode. Questions include: If you can only recommend one card, would you choose The Platinum Card from American Express or Chase Sapphire Reserve? Why am I not getting SCRA benefits? Roth TSP or Roth IRA? I'm active duty. Do I need to be an authorized user on my civilian wife's account? How do you cash out Amex points? Do USPHS Commission Officers get MLA or SCRA benefits? How can I get a free copy of the Military Money Manual sent to a deployed location? Gap funds Roth limit is $6,500? Or is it higher? Are Amex business card annual fees waived for military? Amex pop up jail How to get more than one Amex Platinum card Learn how to get your annual fees waived on premium credit cards from American Express and Chase in the Ultimate Military Credit Cards Course at militarymoneymanual.com/umc3. The Platinum Card® from American Express and the American Express® Gold Card waive the annual fee for military spouses and active duty military servicemembers, including Guard and Reserve on active orders over 30 days. The annual fees on all personal Amex and Chase cards are waived for military spouse dependents of active duty troops. If you have a question you would like us to answer on the podcast, please reach out on instagram.com/militarymoneymanual or email podcast@militarymoneymanual.com. If you want to maximize your military paycheck, check out Spencer's 5 star rated book The Military Money Manual: A Practical Guide to Financial Freedom on Amazon at or at shop.militarymoneymanual.com. I also offer a 100% free course on military travel hacking and getting annual fee waived credit cards, like The Platinum Card® from American Express, the American Express® Gold Card, and the Chase Sapphire Reserve® Card in my Ultimate Military Credit Cards Course at militarymoneymanual.com/umc3.

Beidh cruinniú poiblí le cúrsaí tithíochta a phlé ar bun in Óstán Ghobnatan anocht. Deir an comhairleoir Gonait Ní Mhuineacháin go bhfailtíonn sí roimhis an bhforbairt tithíochta tá ar na bioráin do Mhaghchromtha mar a mbeidh lóistín ar fáil ann dóibh siúd le goirtithe inchinne.

Bhí cruinniú poiblí i mBaile Bhúirne aréir ag an ngrúpa Meitheal Mhúscraí, faoina seirbhísi pobail sa cheantar Gaeltachta.

With an FMCSA regulatory update session just concluded at MATS, one thing that stood out was that the agency didn't mention a plan to advance a rulemaking around its safety rating system for motor carriers. FMCSA Associate Administrator Larry Minor, however, speaking to the specialized carriers' Specialized Transportation Symposium just a month ago, revealed potential to begin a rulemaking process to possibly change the system as early as this year. Should the three-tiered Satisfactory, Unsatisfactory, and Conditional rating system remain? Minor asked SCRA attendees, characterizing the fundamental early question any move toward a change would ask. Or: Should a two-tiered, "Fit or Unfit" system be adopted? That's what some small fleets and associated advocates have been calling for for years, as so very many have sat in that Conditional limbo -- some even for decades -- after an adverse review, despite efforts to improve. It's only gotten increasingly difficult to then get FMCSA out to any carrier's site to do the only thing that can result in a Satisfactory rating in today's system -- a fully comprehensive on-site audit, generally, though there have been limited exceptions to that rule, particularly during the COVID-19 pandemic: https://www.overdriveonline.com/regulations/article/15064263/dotissued-safety-ratings-more-scarce-in-2020 In today's edition of Overdrive Radio, we'll hear more from Larry Minor in his talk at the symposium early this month to specialized carrier attendees. As it concerns FMCSA's failure to mention the safety rating issue here at MATS, ongoing through Saturday, April 1, maybe regulators believe owner-operators really could care less about ratings and how they're conducted. It's safe to assure them they're off the mark, there. While few one-truck owners with authority are likely to ever be rated, the same business issues that arise for small carriers from a Conditional rating -- difficulty doing business with many brokers, to name one -- hits them equally. The smallest of small carriers, too, like holds less capability to get the feds back out to their place of business for a follow-up audit to potentially move them back to the Satisfactory category. We'll hear from Minor also on the DOT's National Roadway Safety Strategy and FMCSA's place within it, about how the Entry Level Driver Training program is going, about getting that program more effectively interoperable with state licensing agencies, about the late-fall ELD regs questions asked, about the notion of Universal Electronic ID for every truck (asked for by CVSA). And speed limiters, of course, and changes to Drug and Alcohol Clearinghouse reporting requirements of states. Also in the podcast: Drop for a bit of fun, too, with Rob Howes, executive vice president and chief testing officer of the company that bears his name, Overdrive Radio sponsor Howes. A bit more lengthy talk over interesting results of a Howes company survey we'll visit in a later podcast, but Rob filled us in for this one on just what's happening for the company here at MATS, likewise plans for the next Howes Hall of Fame announcement. Hear Overdrive Radio's interview with owner-operator Angelique Temple, the last member inducted, in the December 9, 2022 edition: https://www.overdriveonline.com/overdrive-radio/podcast/15304180/hazmattank-veteran-driver-now-on-her-own-meet-angelique-temple

Seoladh Plean Gnímh 5 bliana Mhúscraí aréir i dTábhairne Barra Coma. Tá spriocanna an phlean leagtha amach i 7 gcatagóir.

Our next guest's organization recently released their annual report showing some pretty impressive contributions to our state's economy. Mike Switzer interviews Bob Quinn, executive director of the South Carolina Research Authority in Summerville, SC.

Today's Story: More Protections for Personal Finances

Seolfar Plean Gnímh 5 Bhliana Cheantar Gaeltachta Mhúscraí ar an 7ú Márta.

Beidh breis is 300 duine glacadh páirt i gcomórtaisí babhlála i Réigiún na Gaeltachta i mbliana. Fás ana mhór tagtha ar an spéis atá aige daoine sa sport i Múscraí.

Bhí cruinniú poiblí ar siúl i gCúil Aodha aréir chun plé a dhéanamh ar na nithe, dar leis an bpobal a cheart a bheadh sa Phlean 5 bliana atá le cur le chéile do cheantar Mhúscraí.

Beidh rás ar sheachbhóthar nua Mhaghchromtha ar an 27ú lá do Shamhain i mbliana. Beidh an bóthar nua oscailte do thrácht ón 9ú lá do Nollaig,ach deis iontach ag lúthchleasaithe Mhúscraí an bóthar a thriaill roimh ré.

An méid a pléád ag cruinniú poiblí i Múscraí arú aréir fé chúrsaí teangan sa gceantar. Labhair Liadh Ní Riada le Dáithí de Mórdha.

Santiago and Sean discuss matters relating to the Servicemembers Civil Relief Act.