Sumaya2020

Another hard day but full of empowerment and feedback. My name is Sumaya and I am a girl from a refugee camp in Algeria. I have been living in the USA for three years by myself, all my family is back in Africa. Today I was feeling a little sad missing my home, my friends, and people who know me. Nevertheless, I should not feel sad, it was always just me and myself in those hard moments. I moved to board school when I was 12 years old, and now I’ve been in a boarding school for 14 years where I live in school and go home only for the summer. Those boarding schools are where my life was built. I have learned how to believe in myself and always find a solution to my problems instead of waiting for someone else’s advice. It is never easy to convince ourselves of doing or undoing things that we believe in or won’t, but sometimes it is good to step outside of ourselves and see the big picture. When we see ourselves from the outside we separate who we are from the problem we have. It gives us less feeling and emotions toward the problem, which will probably make us take better solutions. Usually, emotions come either as anger, fear, or sadness and probably will make us regret the taking solution. Yet, sometimes we should not regret some solution because some things just happen for a reason. For me crying is my best friend. It makes me get a bad feeling out without herding anybody, believing in myself because every tear makes me stronger, and lastly to hide my weakness from others especially my family because I need them to believe in me. Crying is never shameful, but falling is.

Best for Cash Back: Citi DoubleCash Rewards Credit Card. They will give you UNLIMITED 2% cash back…on EVERYTHING…1% when you make a charge to your account, and then another 1% when you pay off your balance. It’s as easy as that. In addition to that….they’re also offering a 0% interest on charges made within the first 18 months…so, if there’s anything you need free financing for, or if this is a way for you to otherwise avoid paying a ton of interest — this one works great. All with a NO ANNUAL FEE.

Best for Travel: Chase Sapphire Reserve You’ll get 50,000 points when you spend $4000 on the card within the first 3 months — and those 50,000 points have a VALUE of about $750 when you redeem that for travel or straight up cash back. You’re also going to be getting a $300 travel credit that applies to nearly anything travel related, like hotels, parking meters, airbnb, uber, airfare, timeshares, you name it — to me, this is pretty much just like free money because we’ll all spend about $300 on this per year on stuff, anyway. You’ll also get a $120 Statement Credit For Doordash Deliveries, and free DashPass for 2 years — which is worth another $120 per year. You’ll also get 1 year of complimentary Lyft Pink when you activate the service using your card — and that’s a $240 value. AND a whole bunch of other perks and services that are too much to mention.

Best for Dining: American Express Gold Card When you sign up for this card — you’ll get a sign-up bonus worth anywhere from 35,000 to 50,000 points when you spend $4000 within the first 3 months. They’re also going to give you a $120 dining credit each year, which works out to a $10 per month statement credit when you pay at Grubhub, Seamless, The Cheesecake Factory, Ruth’s Chris Steak House, Boxed, and participating Shake Shack locations. You’re also going to be getting 4x points back on Restaurants and Supermarkets which — again, depending on how you redeem those points — that could essentially work out to be the equivalent of 8% cash back off your purchase…and that makes this one REALLY good for all that grocery and restaurant spending.

Best Sign Up Bonus: Chase Sapphire Preferred This one wins the “BEST SIGN UP BONUS” category because you’ll get 60,000 points when you spend $4000 within the first 3 months…and those points are worth $750 worth of travel or cash back. Like I mentioned, Chase has that new system available for you to “pay yourself back” on your credit card bill, and with this card, each point is worth 1.25 cents back.

Best for 0% Interest: The Capital One Quicksilver Card. I like this because they charge no annual fee, they give you 0% interest for 15 months on BOTH balance transfers AND purchases, they’ll give you 1.5% cash back…AND…they will give you a $150 cash bonus when you spend $500 within the first 3 months.

Best Overall Credit Card for 2020: Chase Freedom Unlimited To start, there’s no annual fee. You’ll get 1.5% unlimited cash back on every purchase and 5x points on LYFT…which is AWESOME. You’ll also get $200 cash back when you spend $500 within the first 3 months…which is even BETTER than the Capital One Quicksilver Card…and you’ll get 0% interest for the first 15 months on all of your purchases… all with no annual fee….what’s not to like?

for more information watch this video