Joe Cortez

Published Freelance Travel, Finance, and Lifestyle Writer | Award Winning Journalist | Content Manager

United States of America


Featured Works

Business Insider
Fungible: What the 'F' in NFT stands for and why it matters

Fungibility refers to an asset's ability to be exchanged for something else of equal value. Some examples of fungible assets include currencies, commodities, and precious stones. Non-fungible assets are unique, requiring much more complex valuation before a sale and include things like real estate, art, and sports cards.

Discover it® Cash Back vs. Discover it® chrome credit card | Bankrate

More info For those who prefer cash back rewards from their spending, the Discover it cash back credit cards offer a lot of upsides. With no annual fee, each of the cards features a different bonus cash back category and an automatic Cashback Match for the first year, giving them plenty of upside for lasting rewards.

Top Questions To Ask Your Mortgage Lender

When you're ready to buy a home, one of the biggest challenges might be knowing where to start. Before looking at different properties, it's critical to find a lender that is willing to preapprove you for an affordable mortgage.

NextAdvisor with TIME
Considering a Reverse Mortgage? Be Aware of These Pitfalls

Getty Images You may have seen the ads on daytime television, featuring friendly spokespeople from some of our favorite shows of yesteryear who tell seniors they can unlock home equity through a reverse mortgage. But what is a reverse mortgage, and how does it work?

USA Today GO ESCAPE Summer 2019 Special
Perk Up! The Deal on Credit Card Travel Rewards

With a travel rewards card, you earn points or miles every time you use the card, but you can often earn more points per dollar in select categories. But not all points and miles earned on travel credit cards are the same. How do you determine which card is best for you?

Personal Finance and Money Savings

This Loophole Is Allowing Debt Collectors to Take Your Stimulus Check

Rawpixel / Getty Images/iStockphoto As soon as the third economic stimulus payment authorized by Congress is delivered to millions of Americans, it could be seized by debt collectors for outstanding credit card or medical bills. USA Today reports this third payment is not exempt from garnishing by a debtor.

NextAdvisor with TIME
Citizens Bank Cash Back Plus Review

1.8% cash back on everything you buy, with no limit on how much you can earn. Intro bonus: No current offer Annual fee: $0 Regular APR: 15.99%, 19.99%, or 23.99% (Variable) Recommended credit score: 740-850 (Excellent) Although it isn't one of the best known credit cards, the Citizens Bank Cash Back Plus™ World Mastercard® is one of our favorites for simple cash back rewards.
Are Robo-Advisors Right for You?

One of the newest entries into the investing world, robo-advisors have become ubiquitous among both new advisors and experienced personal portfolio managers. Claiming to harness the power of artificial intelligence to create smart investment plans, the trend offers a safe place to help money grow for the uninitiated and an easy option for those with large amounts of cash to trade.

NextAdvisor with TIME
Businesses Have Credit Scores, Too. Here's Why They Matter

Getty Images More and more business owners are paying attention to something many of them haven't considered until now: their business credit. According to a 2020 study by the Federal Reserve, 88% of small businesses rely on their owner's personal credit for financing, as opposed to their business credit profile.


How to Pick the Right Play-to-Earn Game for You

What are play-to-earn games? This is where play-to-earn games - or GameFi - come into play. Leveraging the immutability of blockchain technology, game designers can create in-game items and rewards that are provably unique and transferable. Rewards can range from earning native digital currencies to collecting NFTs or be earned from staking.

Japan's Central Bank Experiments With Digital Currency

With the continued interest in Bitcoin and other cryptocurrencies, Japan is going to begin experiments to create a government-backed monetary token. In a statement, the Bank of Japan confirmed it would begin researching the feasibility of creating its own central bank digital currency.

Bitcoin 'Here To Stay,' Despite Volatility and Climate Impact

Analysts say that the ubiquitous cryptocurrency bitcoin is now part of our investing lives, after backing from major companies like Tesla. However, new data suggests that the blockchain-based digital coin will be subject to major volatility - especially given that creating new coins comes at a high environmental cost.

Travel and Lifestyle

FlyerTalk - The world's most popular frequent flyer community
How Stakeholders, Aviators and the Industry Stand on the Boeing 737 MAX

As the public comment phase on the Federal Aviation Administration's Airworthiness Directive for the aircraft comes to an end, FlyerTalk investigates ten statements made by prominent aviation groups to understand where they stand on re-certifying the aircraft for consumer travel once more.

TSA Screening Partnerships: The Reason Why Some Airports Don't Have Long Security Lines

Although the Transportation Security Administration is responsible for ensuring American air passengers remain safe, it doesn't directly screen every passenger. That means that every airport isn't subject to government shutdown-induced delays. Here's why you might want to start flying through or out of San Francisco, Orlando, Florida or Kansas City, Missouri.

The Points Guy
Is Basic Economy Really a Good Deal for Travelers?

This post contains references to products from one or more of our advertisers. We may receive compensation when you click on links to those products. For an explanation of our Advertising Policy, visit this page. Whether American travelers like it or not, basic economy fares are here to stay.

FlyerTalk Says Goodbye to the TWA Flight Center

FlyerTalk gathered with TWA staff one last time to remember the joys and tragedies of working inside the famed Flight Center at JFK. In 1976, Jamie Hogan and Anna Montella entered into Terminal Five of John F. Kennedy International Airport (JFK) as flight attendants of the airline Howard Hughes built - Trans World Airlines.