When used with caution, a credit card can help users develop strong financial discipline and commitment. Students are often reluctant to opt for credit cards. However, these tools offer students various benefits like helping take care of routine expenses such as food, travel, and accommodation. Student-friendly credit cards are important tools that can help one build good credit and secure low-cost loans. So, here are a few options that come with good benefits.
Capital One SavorOne Students Cash Rewards Credit Card
Capital One has designed its product with careful consideration to help students get cashback on major and repetitive expenses. Those studying at universities, higher education institutions, and community colleges are eligible for this card. As it is intended for students, an average, fair, or limited credit score is good enough to buy this card. One of the cons is students do not get a low introductory APR (annual percentage rate). Capital One charges a regular variable APR of 16.49% to 26.49%. Another con is that you may end up paying a hefty late fee of up to $40, so make sure to make payments on time. However, there is also no annual fee. Other highlights of this credit card are:
Users get a joining bonus of $100
8% cash back on Capital One entertainment purchases and vivid Seats
Unlimited 5% cash back on hotel and rental cars booked through Capital One Travel
Unlimited 3% cash back on dining, entertainment, and streaming service
Unlimited 3% cash back on grocery purchases from stores other than superstores
Automatic higher credit upgrade after six months
Discover it Student Cash Back Card
Discover offers features and benefits like no annual fee and 0% introductory APR for six months to help students save some money. Discover also has an introductory offer in which the company will match the cash back you receive at the end of the first year. If you have received a cashback of $100, you will receive another $100 by the end of the year from Discover. You are exempt from the late fees for the first time. After that, you can be charged up to $41. Other key features of this card are:
5% cash back on rotating bonus categories after enrollment for payment made using Paypal (Cashback cap of $1,500 every quarter)
Users need to activate bonus categories every quarter
Unlimited and automatic cash back of 1% on all other purchases
Students can redeem rewards on any amount, and rewards do not expire Free access to FICO credit score
Discover scans the dark web to identify any identity theft risk
Bank of America Unlimited Cash Rewards Student credit card
This card is ideal for students who are looking to earn some cashback, develop good spending habits, learn to pay debts on time, and build credit. Bank of America offers an introductory $200 cash bonus on spending $1,000 within the first three months. Other highlights of this card are:
Unlimited cashback of 1.5% on all purchases
No annual fee
0% introductory APR for 15 billing cycles
Regular variable APR of 16.24–26.24%
3% fees on foreign transactions and balance transfer
A late fee of around $20 may be charged depending on the balance due
While these cards are designed for students, students should be ready to pay their dues on time every month to prevent penalties and additional interest.
Any problems related to sleeping can be treated appropriately after understanding its severity and type. While a chronic condition would require suitable medication based on the consultation with a doctor, an acute condition can be improved upon on your own by making certain changes in your lifestyle. So, here are a few changes that you can include or tweak in your daily routine that will help you to have a normal sleep and stay healthy.
Follow a consistent daily schedule: Include regular exercise, timely meals, and a strict and sorted sleep schedule. Stick to your schedule even if it is a weekend because any changes on the weekend can have a tendency to continue you’re your weekday schedule. Ensure there is sufficient gap between your meals and sleep time so that any related uneasiness due to the digestion can be avoided while asleep. Taking a warm shower before going to bed also has proven benefits of a good sleep.
Limit your intake of mood altering beverages: Sugary foods, caffeine, nicotine, etc., need to be avoided as it can have a mood elevating or stimulating effect. Consumption of alcohol can make you feel sleepier. Hence, all these beverages need to be avoided that can alter the way you sleep.
Involve yourself in physical activities: Physical activities can include stress and anxiety relieving exercises along with yoga, abdominal breathing, and meditation. These are known to have a relaxation effect on your muscles and relieve tension. These relaxation techniques enable stress management thereby translating to better sleep in the long run.
Follow a relaxing bedtime diet: Consume less water and carbohydrates with a gap of at least 2 hours before going to sleep. Incorporate more leafy vegetables and fish which eases the digestion process at night when there is less physical activity.
Have a cozy ambiance in your bedroom: Avoid bright lights in your bedroom and make it silent and cool that can comfort you to fall asleep. You can also try reading a book or listening to soft, soothing music that can relax your mind and calm you down to doze away.
Beyond these, if you think your sleep patterns are abnormal, do not try self-medication with sleeping pills or other supplements. Be wise and consult a doctor as soon as possible.
Finding the best 4G cell phone deals and plans may be a daunting task. In addition to the costs and expenses, you need to consider the models that are supported by different service providers. Moreover, you must take into account the speed and coverage in those areas where you will use your phone the most.
Different carriers offer multiple tiered plans which result in confusion to make an accurate decision. Below is an analysis of the plans offered by various carriers that most appropriately suit your particular requirements.
If you do not want to compromise on the data while saving money, Republic Wireless provides a plan that is less than $30 per month. Alternatively, the individual plan offered by Verizon, which is about $55 per month with 5GB data is a good option. The 8GB data prepaid plan from AT&T is also an excellent choice. However, if you want an unlimited prepaid plan, the one available from MetroPCS is excellent.
Here are some of the best 4G smartphones plans:
Individual unlimited plans
The four major carriers provide different types of unlimited individual plans. The $70 plan which is offered by T-Mobile combines performance and value. Although the basic plan available from Sprint is less expensive; the network is relatively slower. The basic unlimited plans from AT&T and Verizon come with several restrictions.
Individual plans
If you do not require unlimited data, the $55 plan from Verizon is a good choice. It offers reasonable data at an affordable price. Moreover, if you have any unused data at the end of the month, you may roll it over to the next one. You may avoid overage fees in case you exceed the limit by switching on the Verizon Safe Mode.
Prepaid individual plans
The $50 monthly plan from AT&T offers 8GB data, which may be reduced to $40 by choosing an auto-pay option. You may use this prepaid plan to stream high-definition videos on your 4G smartphones. You also get unlimited talk time and texting if you travel to Canada and Mexico.
If one of the above plans suits your requirements, should you switch? You may consider switching only if there are not any grave consequences. In case you are unable to switch until the current plan ends, some carriers pick up a portion of the early termination charges. However, this comes as a gift card and you will need to trade your old phone to buy a new 4G phone on sale.
Deoxyribonucleic acid, popularly referred as DNA, is the essential biological blueprint of every organism. DNA’s discovery was a pathbreaking achievement in the history of biology and mankind. This omnipresent, complex molecule determines the mechanism of every biotic aspect of life. Its unearthing has led to the demystification of numerous riddles.
Although James Watson, Maurice Wilkins and Francis Crick are credited with the pathbreaking findings of the DNA, it wouldn’t have been possible without the collaborative work of Rosalind Franklin and Raymond Gosling. The prior study of the nucleic acids by Swiss biologist Johannes Friedrich Miescher in the 19th century also proved to pave a way for the subsequent researches on DNA. This curled helix encompasses chromosomes, that contains the defining genetic information of an organism. This enormously dictates how plants, animals and humans are distinctly crafted. And this definitive characteristic has helped biologists in various scientific projects.
Here are the four most important areas where DNA has significantly made its mark.
Medical sciences
Due to the study of DNA we have been able to conduct early and resolute diagnosis for diseases, which initially had no certain explanation. Its detection has led us to assess how vulnerable an individual is to diseases with the help of medical history in families. DNA has also contributed vastly to the development of drugs for terminal illnesses and conditions.
Biological relations
Besides from ensuring a prolonged and a healthy life for sick individuals, it has impacted the social strata of our society with the help of DNA profiling. This genetic fingerprint technique can help determine if a person is biologically related to another person. As a piece of evidence, DNA testing is crucial in societal disputes like inheritance, child custody and support.
Forensics
In criminal cases, DNA has been an indispensable buddy for forensic science. There have been plenty of cases where there was absolutely no substantial evidence. With the assistance of DNA profiling, the justice forces have been able to determine useful breakthroughs.
Food produce
Genetic engineering in agriculture and cattle breeding has completely revolutionized the way we produce and consume our food. Today scientists can create variants of crops and animal breeds that are superior in quality. For instance, currently there are plants that are resistant against insects and chemical compounds. They are developed to be biologically rich, to yield a profitable production. DNA in the past years is also been chiefly used to advance mass manufacturing of animal products like meat and milk.