By Ramsey Qubein From Bloomberg News It’s pretty much a full-time job to stay on top of the ever-evolving world of travel hacks. Trust us, we would know. There are constant shifts in loyalty programs, rules, partnerships and bonus earning opportunities, as well as mergers and acquisitions. On top of it all, a mass of…

Most personal finance advice boils down to this: Save as much as you can, and spend as little as you can. That’s the simplest way to accumulate wealth, build investment income and achieve financial independence (even if it’s not so simple in practice). Yet when it comes to travel rewards—those points and miles earned through…