Posts tagged with "visa"

Credit Cards via Samantha Miduri for use by 360 Magazine

Best Credit Cards

By: Skyler Johnson

Having a good credit card is important, for a variety of reasons. There are so many doors that remain closed if you don’t have one. You can’t build credit, buy a house, or even a car. However, it’s hard to know which to choose from. There are many different options, some better than others. 360 has simplified the process and made a list of the ten best credit cards to have in 2022.

Chase Freedom Unlimited

Chase Freedom unlimited is an interested card, and pairs perfectly with Chase Sapphire.

PROS:

  • 1.5% cash back on all purchases, including small purchases like groceries and electronics on first $20,000 spent
  • 6.5% cash back on travel
  • 4.5% cash back on drug stores and dining.
  • No minimum to receive cash back.

CONS:

  • Foreign transaction fees

Credit Needed: Good to Excellent

Find more information HERE.

Capital One Venture

This card is designed for travelers, as several of the benefits are specifically catered to those who vacation a lot. Benefits are measured in “miles,” which can be redeemed for money to pay for travel costs.

PROS:

  • $600 for travel expenses after your first $3,000 spent.
  • 2x miles for everyday purchases
  • 5x miles for travel expenses.

CONS:

  • Annual Fee
  • No Intro 0% APR
  • High APR (15.99-23.99%)

Credit Needed: Good to Excellent

Find more information HERE.

Wells Fargo Active Cash

This card is known to be one of the best flat-rate cash rewards cards out there, meaning the cashback percentage doesn’t change because of money spent.

PROS:

  • $200 cash reward bonus after first $1,000 spent.
  • 2% unlimited cash rewards.
  • $600 dollar protection on your cell phone.
  • Benefits can be attained for prestigious hotels (The Pierre, The Peninsula Beverly Hills)

CONS:

  • 3% Foreign Transaction Fee
  • No Bonus Categories
  • High APR

Credit Needed: Good to Excellent

Find more information HERE.

Chase Sapphire Preferred

This card is primarily reliant on a points system. Points have to be transferred into cash during specific periods. It is mainly known for its excellent rewards, particularly for travel.

  • 60,000 points after first $4,000 spent ($750 dollars)
  • $50 rewards annually on hotels
  • 25% more value for airfare, hotels, car rentals, and cruises
  • Dashpass from Doordash ($0 delivery fees)

CONS:

  • Annual Fee
  • High APR
  • 1 Point per dollar base rate

Credit Needed: Good to Excellent

Find more information HERE.

Discover It Cash Back

This card is also known for the high cash back rate, with 5% on certain purchases, making it perfect for gas and restaurant purchases.

PROS:

  • 5% unlimited cash back on everyday purchases (Amazon, restaurants, gas) each quarter.
  • Rewards can be used at Amazon checkout.

CONS:

  • High Annual fee
  • Bonus Categories only activated quarterly
  • Cashback rate is limited to $1,500 per quarter

Credit Needed: Good to Excellent

Find more information HERE.

Citi Double Cash

This card is primarily known for its impressive cash back offering, 2% back on all purchases.

PROS:

  • 2% cash back for all purchases
  • 18 months of no APR, 13.99% to 23.99% thereafter.

CONS:

  • No One-Time Offer
  • Serious consequences if late on payment

Credit needed: Good to Excellent

Find more information HERE.

Blue Cash Preferred Card from American Express

This is a great card for heavy streamers and long commuters. However, it’s the best for grocery shopping with 6% cash back.

PROS:

  • 6% cash back on select US streaming services and grocery stores
  • 3% on gas stations and transit.
  • 1% from all other purchases.

CONS:

  • Welcome bonus requires $3,000 dollars spent
  • High annual fee

Credit Needed: Good to Excellent

Find more information HERE.

American Express Platinum

This is another card designed for the traveler because of American Express Travel, which comes included.

PROS:

  • High reward potential on flights and hotels
  • Comprehensive airport access
  • Luxury travel benefits with Hilton, Marriot, etc.

CONS:

  • $695 Dollar annual fee
  • No Introductory APR

Credit Needed: Good to Excellent

Find more information HERE.

Blue Card Preferred

PROS:

  • 6% cashback at U.S. Supermarkets and on selected U.S. Streaming Subscription.
  • 3% flashback at U.S. gas stations
  • Welcome offer (Earn $350 back)
  • Low intro APR (0% Intro APR for the first 12 months)
  • Flexible payment
  • $25 per month towards Equinox Gym

Cons:

  • $95 Annual fee
  • 15.49%- 25.49% APR (after Intro APR)

Blue Card Everyday

PROS:

  • Welcome Offer (Earn $200 back)
  • 0% intro APR (For first 15 months)
  • 3% cash back on first $6000
  • 2% cash back at U.S. gas stations
  • 1% cash back on other purchases
  • No annual fee

CONS:

  • Low cash back rate
  • Up to 29.99% APR

Upgrade Visa Card with Cash Rewards

The Upgrade Visa Card is one of the best options for people with only fair credit, as you don’t need the highest credit score to attain.

PROS:

  • 1.5% cash back on purchases
  • $200 reward after opening a checking account and making 3 purchases.
  • Lowest APR is 8.99%
  • Fixed rate

CONS:

  • No welcome bonus
  • Highest APR is 29.99%
  • Less flexible payments

Credit Needed: Fair to Excellent

Find more information HERE.

Apple Card

This card is pretty good if you primarily visit vendors with Apple Pay, as it has pretty good cash back for those purchases.

PROS:

  • 3% Cash back on select purchases with Apple Pay
  • 2% Cash Back on other Apple Pay purchases
  • Low APR
  • No late fees

CONS:

  • Low cash back with physical card
  • Low signup bonus
  • Low Cash back rate

Credit Needed: Good to Excellent, though may accept lower scores

Find more information HERE.

Amazon Card

Like the Apple Card, the Amazon card is perfect for those making purchases from the card’s titular brand.

PROS:

  • 3% cash back on Amazon purchases
  • 2% cash back on gas stations, restaurants, drug stores
  • No annual fee

CONS:

  • Doesn’t offer 0% financing
  • Prime Membership not included

Credit Needed: Good to Excellent

Find more information HERE.

Citibank Diamond Preferred

This card is perfect for those who want to avoid interest on balance transfers, at least for the first 21 months.

PROS:

  • 0% APR for 12 months
  • 0% intro APR for balance transfers for 21 months
  • No annual fee

CONS:

  • No ongoing rewards
  • High regular APR
  • Foreign transaction fee

Credit Needed: Good to Excellent

Fine more information HERE.

Marita Kelly for use by 360 MAGAZINE

PANAMA RANKS AS NO.1 RETIREMENT DESTINATION

In accordance with International Living’s 31st Annual Global Retirement Index, Panama has been named the world’s #1 destination for 2022. This Index, produced in accordance with numerous statistics and on-the-ground input from in-country correspondents, ranks and rates the world’s leading retirement locations. The index surveys 10 major categories that include cost of living, retiree benefits, healthcare and more.

Panama snatches the top spot in InternationalLiving.com’s 2022 Annual Global Retirement Index. Panama capped the categories of opportunity, visa/ residency and benefits/ discounts, while scoring at the top amongst the fitting in and healthcare categories.

For such a small country, Panama is truly emerging – this marks the 11th time that Panama has dominated in International Living’s Annual Global Retirement Index, for all the right reasons.

In 2022, Panama ranks as one of the simplest retirement destinations for travel from the United States or Canada. Panama City, the capital of Panama, is the one true First World city in Central America. Easy access to Panama from all over the U.S. increases the flexibility for travel, with several one-way flights available across the U.S., and cities in Canada and Europe. The modernity of Panama is only a short three hours from Miami, and five hours from New York. Not to mention, the currency is also the U.S. dollar!

Jessica Ramesch, the International Living Panama editor reflects on her experience in the country, stating, “as a single woman I feel safe and free to live my life here, whether I’m going out to dinner and Ubering home late at night or driving cross-country to visit friends. Perhaps that’s because this is truly a land of opportunity, home to thousands of hard-working, upwardly mobile locals and immigrants.”

Ramsech continues her advocation for Panama, touching on the accessibility, indulgences, and credibility of the country. She states, “My favorite spot right now is Coronado, a happening beach town just an hour’s drive from the capital. In fact, I like it so much I bought an apartment there, and am packing up to move. Coronado is home to one of Panama’s most active and welcoming expat communities. I’m not even there yet, and I’m already getting invites to potlucks and happy hours.”

No matter where retirees choose to live in Panama, Ramesch says, they’re likely to be only an hour away from hospitals. In Coronado there’s access to the San Fernando facility. It’s a satellite of the San Fernando in Panama City—a JCI-accredited hospital affiliated with the Miami Children’s Hospital, Baptist Health International of Miami, and Tulane University Health Services Center and Hospital Clinic.

“Panamanian doctors make patients feel truly cared for,” says Ramesch. “They don’t rush through appointments, and they’ll often give you their cell phone number so you have direct access to them while you’re going through treatment or recovery.

“In fact, I’d say Panamanians in general are the best part of living in Panama. I have made so many wonderful friends here. People who are welcoming and fun and have a wide range of interests, so the conversation is always engaging.”

According to International Living, one of the most attractive features of living in Panama stems from the Pensionado program suitable for retirees.

Ramesch declares her support for the program, declaring, “the Pensionado program is, hands down, the best retirement visa program in the world. It’s a big reason Panama has taken the number one spot on International Living’s Annual Global Retirement Index so many times.”

Part of the reason for why Panama continues to steal those number one spots is due to the discounts that retirees with this visa have access to. The program makes it exceptionally simple – and inexpensive – to become a permanent legal resident. All of Panama’s legal residents are permitted to 20% off prescription medications if they’re of “pensioner” age. The base age is remarkably low, too – just 55 for women, 60 for men.

The Pensionado advantages expand to other discounts on dental care and transportation. Other leisure’s such as entertainment and hotel stays are available at low-cost rates, too.

Applicants with income of at least $1,000 a month qualify for the Pensionado program, and once you’re approved, you can appreciate all of the reductions.

“If you’d like to apply with your spouse, you can qualify with less than $1,000 each. You can even include dependents if you need to,” says Ramesch. “You just need a pension of at least $1,000 plus $250 for each additional person on your application.

“The $1,000 pension requirement reflects the low cost of living here in Panama. While it’s true that most of the North Americans who’ve chosen to retire here spend upwards of $2,000 a month, there are expats living here on far less.”

There are great areas in Panama that have rent prices as low as $300 to $500 a month, leaving extra money for retirees to spend elsewhere.

For those not 100% ready to make the permanent move just yet, Panama has a variety of alternatives for legal residency.

“The country has just unveiled a new extended-stay visa for digital-nomad types: The Temporary Telework Visa,” Ramesch says. “It allows you to come down and stay here—not for three months or even six, but for nine months. And you can extend for an additional nine months. That’s a generous total of 18 months, and the main requirements are simple: you must have medical insurance and an external source of income (at least $3,000 a month).”

Panama, too, has a “Foreign Professionals” Visa that has been available for over eight years. It allows foreign nationals to work in Panama, with easy requirements; you need a university education and a job arranged in Panama.

Though Panama ranks at the top in this year’s Annual Global Retirement Index, there are 25 other countries that were evaluated in the 10 categories used for judging, including; housing, benefits/ discounts, visa/residence, cost of living, fitting in/ entertainment, healthcare, development, climate, opportunity and governance. The full index country rankings for the year of 2022 can be found HERE.

Handshakes artwork courtesy of Interscope Records for use by 360 Magazine

Naliya Releases Official Music Video – Handshakes

By: Ally Brewster

Earlier this year, Naliya, singer, songwriter and producer, released her dreamy debut single “Handshakes.” The debut song about heartbreak and moving on was an introduction to the artist’s personal, unfiltered songs.

On July 7th Naliya is set to premiere the music video for her debut single “Handshakes.” Being her first music video, it will establish the artist’s visual identity as she works on her first album.

As the video begins, Naliya emerges from a body of water, glitter surrounding her acting as sun-reflections, creating an ethereal feel. The scene then cuts to Naliya in a setting with tile walls and plants all around, these scenes visually showing the lyric “’Til you left me with the wave, I just made it back to shore” from the song.

The video continues to be filled with effects, such as glitter and lens flares, continuing the dream-like quality, matching the smooth vocals of the song. It draws clear inspiration from Euphoria’s aesthetic with its makeup, wardrobe, glitter and colors. It’s filled with bright pops of colors, with a pink, yellow, and brown color scheme, creating a soft and sultry palette for the breakup song.

The song and music video are written and produced like a letter to the boy that left her as she tries to move on from him and rebuild herself. Throughout the music video, Naliya looks into the camera, as if talking to the boy as she sings lines like “I can’t forget your face,” and asks, ““Tell me, do you really think you’re better off without me, on your team?”

Though the song is about a break-up, the video pairs that theme with Naliya vibing to the catchy beat of the song, dancing and feeling herself; a reference to part of the hook “Now I’m fucked up at this party,” as she tries to move on from the boy, but isn’t able to.

The music video is beautiful and dreamy with its glitter, coloring and lights, pairing well the ethereal and angelic hook and melody of the song. The video sets a the tone for what her style and intentions are as an artist: to be raw and honest, and still showing the beauty in it.

The music video for “Handshakes” can be viewed here.

Her single “Handshakes” was just a taste of what the multi-talented artist has to offer as she continues to work on her debut album throughout the year.

ABOUT NALIYA

Naliya personally touches every element of her music. Behind a desk running Ableton Live by herself, she’ll conjure up a beat before picking up a pen to write lyrics and finally grabbing a microphone to bring the production and words to life. The singer, songwriter, multi-instrumentalist, and producer architects an unfiltered and undeniable take on pop warmed by handcrafted beats and lyrics so intimate they could be a DM. She spent the first eight years of her life in Calgary before the family moved to Paris where she resided until 16. Returning to Vancouver Island Canada for high school, she admittedly didn’t have many friends and felt like an outcast. Staving off feelings of depression, she downloaded GarageBand one day and started making beats of her own. Fast-tracking her degree, she finished Berklee College of Music in just three years, got a Visa, and relocated to L.A. Releasing a series of early singles and collaborations, she repeatedly achieved six-figure streaming numbers. During a Shark Tank-style Instagram Live hosted by powerhouse songwriter J Kash [Maroon 5, Charlie Puth, Selena Gomez], she shared a composition and landed a deal. With Kash in her corner, she co-wrote Jason Derulo’s Lifestyle [feat. Adam Levine] and Tate McRae’s Rubberband. After amassing nearly 2 million streams independently, she formally introduces herself on a series of 2021 singles for Interscope Records led by “Handshakes.”

Stay connected with Naliya:

InstagramTwitterFacebookYoutube – SpotifyApple MusicSoundcloud

Uzy Rozenthal Botswana

Botswana eVisa Applications

Travelers to Botswana will soon be able to complete visa applications online and ease their entry into the country with Pangea IT. The new service will be hugely beneficial to travelers as well as reduce the government’s investment of funds, time, paperwork, and manpower allocated for visa applications.

Israel’s Pangea IT, which specializes in digital transformation of government and business services, has been selected by the government of Botswana to integrate its eVisa solution. This will enable visitors to Botswana to obtain a visa online and have a seamless entry upon arrival at all the land and air arrival points in the country.

Online visas are becoming more popular as both governments and travelers are increasingly embracing the digital age. The Covid-19 global health crisis is expected to accelerate the trend, as tourists will be looking at reducing their contacts in their home countries and at the travel destination. In the case of Botswana, this is extremely important since the country has a limited number of diplomatic offices abroad so the eVisa option will make traveling to the popular safari destination easier for visitors from various countries.

Pangea has been active in Botswana since 2003 when the company installed a digital birth and death registration system which is still in operation. In 2010, the Israeli company deployed a computerized immigration and citizenship system (ICS) in Botswana.

“We are in the process of integrating our eVisa solution and expect to have it operational till the end of the year,” said Uzy Rozenthal, Pangea EVP and general manager government division. “eVisa will dramatically speed up the entry process in Botswana and will translate into a substantial savings in both administration costs and time needed without compromising border security.”

Rita Azar, illustrations, travel, 360 MAGAZINE

Planning a US Trip After the Quarantine? Here’s What You Need to Prepare

Traveling is good for people’s souls as it reduces stress to most of us. But with this current pandemic happening around the world, people can’t even go back to their normal life and it really affects everything. It is like a nightmare that everyone’s wishing to end. Many flights these days are postponed and canceled and traveling is very limited for essential goods only. Quarantine and lockdown are implemented globally and it requires social distancing.

We all know that most people dream to travel across the US. It is the most popular travel destination throughout the world. You can still pursue your American dream when the virus is not present anymore. Planning a US trip for a vacation after this pandemic can be very exciting after a long period of staying at home, but we have to be more careful than usual and prepare everything needed to travel safely because as they say this is the new normal.
Here are the things you need to prepare for your future US Trip.

Passport and Visa

When traveling to other countries, it is important that you have a valid passport with at least a minimum of 6 months’ validity for most of the countries requirements. It is also important to obtain a visa if the consulate requires you to have before you enter the country. This depends on the regulation for every passport type. Some countries will be asked to obtain ESTA or the Electronic System for Travel Authorization, which replaces the American express visa system in the US for certain countries. https://www.estaform.org/ was formed by the Department of Homeland Security of the United States, allowing 39 nations the freedom to travel to the US without needing to apply for an official American visa.

TSA Approved Lock

When traveling to the US it is a must to buy a TSA approved lock before packing your luggage. Transportation Security Administration or TSA implements strict baggage procedures for safety and security. All bags are screened and sometimes need to be physically checked so they are allowed to break your bag lock. It is helpful if you buy a TSA approved lock to avoid losing or breaking it and to keep your bags safe to your final destination.

Itinerary

The United States is a very big country and it has many states. Before your trip, it is essential to plan your itinerary so you can fulfill your American dream. Consider exceptional and thrilling destinations with rich histories and cultures. Of course don’t forget to list down the popular places like New York, LA, and Vegas. Prepare for the activities you might want to visit and try like Universal Studios. List down everything so that you will not miss out on anything on your trip.

Accommodation and Pocket Money

No one wants to cram at the airport with their heavy luggage and ruin the trip because of stress. Book your hotel or accommodation before your trip so that everything will go smoothly upon arrival in the US. You have endless options for accommodation so you can choose whether you prefer the luxurious or the budget time lodging. Most prices in the US are listed excluding the tax and it also depends on where you are visiting. So be prepared to have enough budgets as everything will have additional costs.

All things will run smoothly if you will be well prepared for your dream US trip. You just have to keep in mind that this time you also have to be extra careful and practice proper hygiene to prevent any health risk. Don’t forget to always bring alcohol and sanitizers and of course, always wash your hands to keep yourself traveling healthy and COVID free.