Robert Michelin

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Articles

What You Should Know About Delta Sky Club’s New Rules

2 weeks ago | bottomlineinc.com | Ramsey Qubein |Robert Michelin

When it comes to places to wait for a connecting flight, it’s hard to beat a Delta Sky Club lounge. There are more than 50 Delta Sky Club lounges around the world that offer complimentary cocktails, fresh and healthy food options, free high-speed Wi-Fi and more. Unfortunately (or fortunately, depending on your perspective), over the past few years, Delta has made these lounges harder to get into. Here, travel journalist Ramsey Qubein, explains the changes. Why the new restrictions?
The $1,000 a Month Rule for Retirement Savings

3 weeks ago | bottomlineinc.com | Wes Moss |Robert Michelin

One of the biggest challenges in retirement planning is deciding on how much you need to save to last the rest of your life. There are so many financial unknowns and potential outcomes that retirement savers often feel confused, hopeless and unable to establish goals. A lot of Americans assume that they need to save millions of dollars to live a fulfilling life in their senior years. But Wes Moss, CFP, chief investment strategist for Capital Investment Advisors, says that’s not true.
Cost-Conscious Travel: Cheap Countries to Visit in 2025

1 month ago | bottomlineinc.com | Donna Heiderstadt |Robert Michelin

International travel can be very expensive, but knowing the cheapest countries to visit can go a long way toward stretching your vacation budget. Here, from our travel expert Donna Heiderstadt, are a dozen options—including the cheapest European countries to visit and a few destinations that may be on your bucket list—where the US dollar goes the furthest, making them cheap places to travel to in 2025.
Best Credit Cards That Offer Travel Insurance

1 month ago | bottomlineinc.com | Ted Rossman |Robert Michelin

What’s the best credit card for travel? People generally pick whichever travel-focused card provides the most frequent-flier miles on the airline they fly or points for their preferred hotel chain’s rewards program. There’s nothing wrong with earning miles or points, but the very best travel credit cards offer more than that—and travel-insurance programs are among the most valuable yet often overlooked benefits, explains credit card expert Ted Rossman.
Which Cholesterol Drug Is Safest?

1 month ago | bottomlineinc.com | Steven Nissen |Robert Michelin

For people with high cholesterol, lifestyle modifications such as eating better, getting more exercise, losing weight and reducing stress can help curb cardiovascular risk…to some extent. But to substantially lower elevated cholesterol and its attendant risk for heart attack and stroke, long-term use of a prescription cholesterol-lowering medication may be necessary, says Cleveland Clinic cardiovascular disease expert Steven Nissen, MD.
Tech Trends for 2025 and Beyond

1 month ago | bottomlineinc.com | Marc Saltzman |Robert Michelin

What new innovations will improve our lives in the years ahead? New technology debuts all the time, but many attention-grabbing items don’t catch on. Bottom Line Personal asked consumer technology expert Marc Saltzman, host of Tech It Out, what kinds of recently unveiled and future technology will take hold. Wearable Tech for Health and MoreSmartwatches are just the start. An expanding range of wearable technology offers health monitoring and help with health challenges.
Leasing vs. Buying a Car: Which Option Is Best for You?

2 months ago | bottomlineinc.com | Karl Brauer |Robert Michelin

Think new cars cost too much these days? Here’s a surprise…at the start of 2025, you could lease a brand-new Fiat 500e for a price that would fit anyone’s budget—$0 down and $0 per month. A dealership in Denver did offer that hard-to-beat price, though only to Colorado residents—and technically, the cars weren’t free due to taxes.
Debt Consolidation

2 months ago | bottomlineinc.com | Gerri Detweiler |Robert Michelin

You’ve probably seen the ads—debt-settlement companies promise to help people who are drowning in debt slash the amount they owe. These services can be a viable option for some debtors, but there are risks and downsides. And there are alternatives, such as debt consolidation and credit counseling.
HMO vs. PPO Insurance: What's the Difference?

2 months ago | bottomlineinc.com | Lauren Steele |Robert Michelin

When choosing your health insurance coverage each year, you often must decide between two different types—a health maintenance organization (HMO)…or a preferred provider organization (PPO). Even for those sorting through Medicare Advantage offerings…picking from an employer’s menu of benefits options…or seeking a plan through the Affordable Care Act (ACA), the choices often boil down to HMO versus PPO insurance.
Best First Credit Card to Build Credit

2 months ago | bottomlineinc.com | Ted Rossman |Robert Michelin

It’s a fact—you need credit to get credit. But obtaining a first credit card can be a challenge for young adults. Most credit cards aren’t available to applicants who lack credit histories…but it’s difficult to build a credit history without a credit card or some other form of debt. Answer: A starter credit card or student credit card. These cards typically have low credit limits and are specifically designed to be available to young adults and others who don’t yet have substantial credit histories.