Credit cards often get a bad name for causing unnecessary debt. This is because new credit card owners often end up using it for unnecessary purchases or for buying things they can not afford. In reality, credit cards can be used as an excellent tool in increasing your credit score and can help you out in emergency situations. Moreover, most credit card companies offer a variety of benefits and rewards for credit card users that can ultimately help you save a lot of money in the long run. Take a look at the best credit cards of 2021.
Citi Custom Cash℠ Card
If you are looking for a credit card that offers instant cashback rewards at flat rates or at a 2% reward rate, the Citi® Double Cash Card and Citi Custom Cash℠ Card are the right ones for you. The Custom Cash℠ Card allows you to avail of $200 worth of cashback on $750 purchases done in the first three months of account opening. Moreover, you do not have to pay any annual fees for this credit card, and you will be charged 0% intro APR on balance transfers and purchases for the first 15 months after which, the charges can range from 13.99% to 23.99%.
Chase Sapphire Preferred® Card
The Chase Sapphire Preferred® Card is a great beginner’s credit card for those who travel a lot. This card offers a great blend of high rewards rates and redemption flexibility and is excellent for those who tend to use their credit cards more often for purchases, either while traveling or dining. When you redeem rewards for airfare, hotels, car rentals, and cruises through the Chase Ultimate Rewards program, you can get up to 25% more value for the reward points. For example, 100,000 reward points can be redeemed as $1,250 through the Chase Ultimate Rewards program.
American Express® Gold Card
This card is especially good for all the foodies out there. With the American Express® Gold Card, you can get 4X Membership Rewards® Points on using it at restaurants, dining, and takeout. This is especially recommended for those who like to indulge in local cuisines when they are traveling and are not afraid to spend a few extra bucks when dining in different countries. This American Express card is now available in both Gold and Rose Gold.
When shopping for appliances, waiting for the Black Friday sale can help you save a significant amount. Also, considering how many people are waiting to do a majority of their shopping on Black Friday, it’s no longer just a day, it’s more like a season.
A great way to ensure you get your Black Friday home appliances at the best rates is to breeze through all major home appliance outlets that have appliances on sale. However, just because something is affordable during Black Friday, doesn’t mean it’s the best bet.
So, before you shell out your money for purchasing outdoor appliances on Black Friday, here are a few things you need to keep in mind.
Brand name doesn’t always mean quality
When it comes specifically to a Black Friday home appliances sale, this should be the status quo. Everyone knows that Black Friday means you have a lot of options to choose from, and your brand loyalty could take that away from you. Everything that comes from one brand isn’t always made equal, and large appliances are a good example, such as refrigerators. So, go for those that tick the most boxes on your list and are energy efficient.
Opt for the online Black Friday sale
When Black Friday is around, several people throng the outlets to get amazing deals. However, shopping for home appliances online during Black Friday will get you better discounts. Though many people avoid buying large indoor or outdoor appliances online, you can always check out an appliance at a store, then look for Black Friday deals on appliances, and order it online. Besides, you won’t even have to worry about getting it home as it will be delivered to your doorstep.
Avoid going for suite deals
Multiple consumer reports across all major brands have proven that a single brand is not good at offering reliability and performance on four categories of suite appliances. These include a refrigerator, cooking range, microwave, and a dishwasher. Further, your overall savings on such a deal may not be worth the ‘hidden cost’ in the form of energy consumption and repair costs.
Keeping these tips in mind will help you in your Black Friday home appliances shopping spree. Of course, as a consumer, it is important to know your rights, especially when investing in large home appliances. While purchasing an appliance during Black Friday, don’t forget to take all the deals that come with the purchase, such as free shipping or waiver of shipping fees.
Moving into your own home is a special feeling. Holding the keys of your place, and the feeling of starting a family with a partner, are indeed heart-touching moments in your life. As a homemaker, you always dream of having the best home appliances for your family, that can make you all feel comfortable. Whether it is eating or doing the laundry, you want electronics that are world-class and function for years. Our guide on how to buy the best home electronics will help you adorn your new den and meet your needs, too.
Change the locks
The first thing you need to do as a new homeowner is to change the locks and keys of the doors. This is because the seller of the house must have given the key to neighbors, coworkers, friends and someone must have already had a set of keys to the new house. So, it is indeed a smart move to remove the locks, take it to a hardware store and get it re-keyed.
Start with the basic
Usually, when it comes to rented places, the owners leave something or the other for the tenants. So, it’s a good idea to use those, because it can save you some money. So, check with the owner what all will he provide and then buy what you need. If not, start with the basic. You don’t want to start collecting your art pieces at home. Go slow, and cover the essential home appliances. Some of us, buy the fancy ones first and ignore the daily needs. Don’t fall into that category.
Lawnmower and garden supplies
If you have a garden area, you will need a lawn mower to clean the yard. Otherwise, your yard will be filled with resistant vegetation. Some new homes do not come with any landscaping. All they have is dirt. If that is the case, then you have to spend money and transform the dirt in to a beautiful green space. And when you have a garden, it is obvious that you need garden supplies. Garden hose, sprinklers, push broom, weed whackers, rakes, shovels trowels are some the essential supplies that you will need for your garden. You can also buy a wagon or a wheel barrow to carry stuff from garage to garden.
For the outdoor space
If you have a beautiful yard, it will be a good idea to arrange something for outdoor entertainment. Think of useful appliances and props like barbeque grill, patio furniture, lawn chairs, and an umbrella. If you live at a cold place, then you need to buy tools to remove snow from your drive as well.
Having a pet is one of the most beautiful experiences in life. Most people in the world want their pet to be a permanent member of their family. Even though pet insurance is not a very common investment for many pet owners, it does have various benefits and may save you as well as your pet from suffering during any emergencies. Here are the top four benefits of opting for pet insurance:
You need not go see a specific vet within any network
Insurance policies for people come with network hospitals and eligible doctors for you to consult if you want to make a claim. However, with a pet insurance policy, you can consult any vet that your pet is comfortable with and still make a claim. The only requirement is that the vet has to be a licensed one. It is of advantage for people who may face an emergency when in a different place than their hometown. Getting a pet insurance may help you deal with such emergencies.
There are no restrictions on the breed or age of the pet
Unlike the various age restrictions that human insurance policies come with, your pet has an advantage of being insured irrespective of his or her age and breed. The only prerequisite is that there should be no preexisting health conditions which might raise some complications to get an insurance for your pet.
Pet care costs do not have to be a sudden expense
These plans come with monthly, quarterly, semi-annual, or yearly payment options. So, you may efficiently budget out how much to contribute and when to contribute towards pet care. Some companies even offer you the opportunity of insuring more than one pet with them and give you great discounts for the same.
Your pet does not have to suffer because of any financial shortcomings
It is extremely disheartening to see your pet suffer, especially when you are not in a position to do anything about it. Emergencies get challenging to navigate, and there is some or the other priority expenditure that takes over pet care for many pet owners. Having an insurance is an excellent option to get out of such situations.
There are various providers for pet insurance who offer great deals and would surely give you the much-needed peace of mind, knowing that your pet is always insured.