Sarah Hostetler 
It generally takes three to six months to build credit from nothing, and you can even have a decent score within a year. But getting an excellent credit rating will take at least a few years, and will require you to demonstrate consistently responsible credit card habits.
I have never bought travel insurance in my life — and I’ve still received thousands of dollars in compensation when things have gone awry during my travels. How? Credit card travel insurance.
The diamonds you purchase online are the same quality as those you’d find at a jeweler in your local mall — but can cost up to 40% less. To buy an engagement ring online, you’ll want to find a trustworthy website, take your time, and make sure your diamond passes the eye test, even on a screen.
Travel credit card miles are more flexible than the miles you’ll earn from an airline credit card, since you’re not handcuffed to a specific airline. However, if you are a loyal flyer, we recommend the UnitedSM Explorer Card, the Delta SkyMiles® Platinum American Express Card, or the Citi® AAdvantage® Executive World Elite Mastercard®.
DIY travel planning is easy, so long as you know the right sites to use. You’re probably familiar with Google Flights, Skyscanner, and Airbnb (all great), but some others you might not have considered are Momondo, Roomer Travel, and even Costco Travel.