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Looking for a getaway? 5 reasons you should consider a European river cruise

(BPT) - Are you making travel plans for the upcoming year? You're not alone. According to TravelPulse, 41% of Americans plan to spend a lot more on leisure travel next year and two-thirds plan to travel before the end of 2023.

When choosing a travel experience, there are many details to consider. Where to go, where to stay, how long you'll travel … the list goes on and on! To make travel planning easier so you can look forward to your trip and enjoy yourself, consider booking a European river cruise.

A river cruise allows you to immerse yourself in the Old World as you sail Europe's most iconic rivers. Best of all, you won't have to worry about booking separate lodging, transportation or meals for your voyage. Still not convinced? Check out the top five reasons you should book a European river cruise.

1. Convenience

River cruises are king when it comes to convenience. Once you board your vessel, you can unpack once and still visit multiple destinations. From major European cities to quaint towns and villages, you can enjoy it all in one seamless journey from the comfort of your ship.

2. Intimate, relaxed journeys

River ships are smaller than ocean liners, allowing you to dock in the heart of your destination for easy exploration. For example, Viking's Romantic Danube river cruise is an eight-day sailing between Budapest and Regensburg hosting just 190 guests. You can easily visit Budapest's Castle District, enjoy a concert featuring works by Mozart and Strauss in Vienna, and more as you visit medieval towns and take in stunning scenery.

3. Strength of the U.S. dollar

The strength of the U.S. dollar is at a historic high, meaning your money will go further in Europe. According to CNBC, the value of the U.S. dollar is at its highest in roughly two decades relative to the euro, a big plus if you like to shop while on vacation. Just make sure to leave some extra room in your suitcase!

4. Cultural experiences

Traveling through Europe by river is a fascinating way to learn about the history of the regions you're visiting. For a truly unforgettable and culturally enriching experience, check out the Rhine Getaway river cruise with Viking.

Viking has long been known to create experiences for "The Thinking Person" with voyages designed to immerse travelers in the rich culture and history of the destinations you’re visiting. On its eight-day Rhine cruise, you'll sail between Amsterdam and Basel and discover turreted fortresses, grand cathedrals, historic cities and medieval towns while enjoying the wines and culinary traditions of the region.

5. Compelling value

River cruises have competitive and compelling value. For example, Viking Inclusive Value ensures that your cruise fare includes everything you need. Features include one complimentary shore excursion in every port of call, port taxes, enrichment lectures and destination performances, free Wi-Fi and plenty of food and drinks.

Inside your river view stateroom, nearly all of which have a private veranda or French balcony, you'll find a private bathroom with shower, heated floors, toiletries, TV, refrigerator and other amenities to make your stay as comfortable as possible. All of this is included in your river cruise package.

Don't wait to start planning your European vacation. To learn more and start booking your European river voyage today, visit Viking.com.

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Three Financial Health Hacks To Start The School Year Strong

(BPT) - With the start of a new school year underway, your teens are already learning new skills. While most of this learning happens in the classroom, there are plenty of opportunities at home to learn other life skills, especially around financial responsibility.

If you haven't had money conversations with your teen, the fall semester is a great time to start. Your student will have plenty of expenses for school, extracurricular activities and their own wants and needs that they'll need to learn how to fund. These additional expenses can be a great entry point into a conversation around how to help them navigate while they cultivate their own financial skills.

Not sure where to start? Check out these three financial hacks to start the school year strong.

1. Work Together

It's never too late (or too early) to talk about spending mindfully and saving regularly with your children. The earlier teens learn the basics of money, the more prepared they'll be for their own financial journey. While finances can seem like an overwhelming subject for you to teach and your teen to absorb, working together and having a real-life scenario will make it easier.

Teach them that conscious spending is crucial to their overall financial health. For example, they may not be aware that they're spending more on their morning latte or online shopping than they'd like. Regularly checking in with your student about their account activity keeps finances part of your family conversations. This also provides an opportunity to help them analyze how much they're earning, what they're spending it on and their savings goals.

Getting started with a bank account early will help set kids on the right path for future financial success. As your child ages, Chase has different options to help on their financial journey, such as Chase High School Checking and Chase College Checking accounts.

2. Expense the Unexpected

With the school year in full swing, unexpected purchases for classes beyond the standard supplies can put a dent in family finances. A study published in 2022 by the Federal Reserve found that the overall share of adults who would cover a small emergency expense using cash or its equivalent has increased to the highest level since 2013 when the survey began. This is likely because these adults were able to increase their savings to cover surprise costs.

It's important to explain to your student that an emergency fund can provide peace of mind to help with life's unexpected surprises. Don't be afraid to start small, as long as you start saving; even if it's just $1 per day, you're creating a resource for emergency expenses. The easiest way to start an emergency savings fund is to automate the process. With Chase Autosave, you can set up a repeating, automatic transfer from your Chase checking into your Chase savings account. Just set the amount to be transferred, forget it and watch your savings grow.

3. Stay on Track

Teaching your student how to create and stick to a budget can help them prioritize their spending and savings habits. For example, while it might be tempting to dip into an emergency fund for a new sport, band uniform or an outfit for the homecoming dance, these aren't true emergencies. Instead, students should look at their budget and plan for those significant expenses by cutting back spending in other categories for the month.

The desire for these costly items also provides a great opportunity to teach your child about financial goals. If they'd like to save for a new laptop or the latest shoes, you can help them create savings goals for these expenses. This way, they can put aside a little money from each paycheck to afford the items on their wish list.

Using these three tips, you can teach your child important financial skills and set them up for monetary success as they age.

To learn more about high school and college checking and savings accounts, visit chase.com/studentbanking. Don't forget to check out the Chase Student Resource Center to learn more about financial health beyond spending, saving and budgeting.

Bank deposit accounts, such as checking and savings, may be subject to approval.

Deposit products and related services are offered by JPMorgan Chase Bank, N.A. Member FDIC

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4 ways to save money this holiday season

(BPT) - With many facing rising costs on essential needs, people are looking for deals and new ways to save money, now more than ever. As we enter the holiday season, what is meant to be a joyful time can become stressful — especially if money is tight! Luckily, it’s possible for everyone to enjoy the holidays and stick to a budget when shopping on Amazon. This season, try these 4 tips to save on everything from food, gifts and home entertainment.

1. Check out new ways to save on the Amazon Access hub

Everyone knows Amazon Prime can help save time and money, but did you know that Amazon now offers a one-stop shop for customers to explore the programs, discounts and features that make shopping on Amazon easier than ever — including for those shopping with SNAP EBT and other forms of payment? This new hub even includes information on Amazon’s growing discounted membership option, Prime Access, which offers all of the shopping, savings and entertainment benefits of Prime for just $6.99/month (reg. $14.99/month). Last year, Prime Access members saved an average of more than $1,600 from shipping savings, coupons and membership discounts alone. To learn more or start a 30-day trial, visit amazon.com/primeaccess.

2. Make a budget and shop early deals

Budgets are your best friend, especially during the holidays! After paying your monthly bills, determine how much money you have left over and divide that among the loved ones you want to treat this year. Then filter by price when shopping online at Amazon so you stick to that budget. Also, take advantage of Amazon’s daily Lightning Deals, as well as Black Friday, Small Business Saturday and Cyber Monday events to score the lowest prices of the year on gifts for everyone on your list. Plus, Prime members get 30-minute early access to select daily Lightning Deals throughout the holiday season — and year-round.

3. Enjoy free entertainment

The traditions that cost little to nothing are often the ones that make the best memories — like cozying up on the couch for movie night with friends or loved ones. Get in the holiday spirit by streaming award-winning movies, Amazon Original series or even live sports on Prime Video. Or, host a family carol sing-along night by streaming the 100 million songs available ad-free now for Prime members on Amazon Music — including the global playlist “Merry Mix,” featuring iconic holiday classics.

4. Make a holiday feast or order take-out — for a fraction of the cost

So much of the holiday season centers around food. Rest assured you’ll be able to fill the table and everyone’s bellies without breaking the bank when you get your groceries through Amazon Fresh. Find consistently low prices on your favorite brands, with weekly deals delivered to your inbox and 20% off on select everyday favorites, essentials, and more in store for Prime members. As an added bonus, get some precious family time back when you use same-day delivery or pickup options. Prime members in the U.S. can also get $10 off a Grubhub order over $25 using code GiveMe10. To score this deal, available November 25-28, Prime members must be signed up for the existing free, one-year Grubhub+ membership trial, available at amazon.com/grubhub.

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Get a small business loan If you want to retain complete control of your business, but don’t have enough funds to start, consider a small business loan. When The Big Banks Can't Help, We Can! Incredibly Fast Business Capital, Equipment Financing And Payment Processing. Quick Funding up to $2M! One stop. Best offers. Free Application. No Obligation. Customer Financing To Drive Your Sales Many Providers = More Approvals And Profits For You. Payment Processing Improved Standard processing plus our new Cash Discount Processing (no fees). Equipment Financing for the tools you need. One stop. Best offers. Free Application. No Obligation.

Want your tools to last longer? Here's how the pros care for them

(BPT) - From a simple hammer to the most complex power tools in your garage, it’s vital to practice constant maintenance if you want to use them as long as possible. The good news? It’s not as hard as you think. Following expert advice for storing, cleaning and maintaining your tools will help you use everything safely, for years to come.

Keeping your tools in top shape

Many tools may look indestructible, but they're not. Exposure to dirt, grease and moisture could lead to rust and corrosion, making them less effective down the road and even leading to damage. Tools with moving parts that collect dust and debris may not only become less effective but could also be a serious safety hazard.

But with a few simple steps implemented into your regular routine, you can add significant time onto the lifespan of your tools.

“Taking proper care of your tools makes a great difference in their overall usefulness,” said Allen Gerling, a service technician at Northern Tool + Equipment. “Clean and well-maintained tools typically last longer as functional tools and are safer to use.”

Follow these tips to keep your tools in great working order.

A place for everything, and everything in its place

Proper tool storage is not just about being able to find things when you need them (which is a definite plus) — it also helps your tools stay in good working order. Tossing tools haphazardly on a workbench or inside a toolbox can damage them, as well as leaving them exposed to dust, dirt and the elements, which may lead to clogging, corrosion and rust. For power tools, wind up cords and air lines carefully, checking belts and cords for fraying or breaks.

• Keep tools clean, dry and protected from the elements, especially moisture, extreme heat and extreme cold.
• Make sure toolboxes, carts, shelving or wall racks are neat and clean to keep your tools free of dust, dirt and grease.
• Organize tools to make them easier to maintain, plus easy to see — so you’ll spot when anything needs repair.

Create a clean routine

Make a habit of cleaning tools immediately after each use before storing them. This prevents dirt, grime or debris from hardening on your tools, potentially damaging or clogging them over time. Keep rags and other cleaning materials near your tool storage to make clean-up easier.

In addition to your regular cleaning routing, doing a deeper clean on a seasonal basis can make a huge difference, especially for tools with moving parts. Beyond wiping tools clean with a cloth, tackle tough-to-clean areas using oiled cotton swabs or soft brushes. You can also use a can of compressed air to remove dirt from areas inside tools that are hard to reach. Especially for power tools, make sure to follow your manufacturer’s instructions for cleaning and maintenance.

Maintain and watch for signs of disrepair

Many tools require regular oiling and/or sharpening of parts to keep them in top shape. Gather useful cleaning and oiling equipment including rags, all-purpose oil, rust remover and linseed oil (for wood), plus files and sharpening stones. Use safety gear like heavy gloves and safety goggles as you work, and make sure you have sufficient space and a sturdy table to complete your maintenance. Try designating a seasonal or semi-annual weekend for tool maintenance.

As you clean and maintain tools, look for signs of damage or wear that could require repair — or any signs that your tool needs to be replaced.

Get help with repairs as needed

Don't have enough time, energy or know-how to maintain or fix all your tools? Turn to the experts, like the service technicians at Northern Tool + Equipment who can tune up, repair and help maintain your tools and have access to any part you might need.

Start with high-quality tools

Caring for tools and keeping them in great shape is even easier if you start with high-quality tools in the first place. When you’re in the market for new tools, you can find high-quality brands preferred by the professionals at Northern Tool, including Milwaukee, Lincoln and Stihl — plus Northern Tool-exclusive brands such as NorthStar, Powerhorse and Klutch.

“Good quality tools are an important investment,” added Gerling. “So you should care for your tools just like your car or your home.”

Find tools you need and more at NorthernTool.com.

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