If you’re looking for a credit card, shop around, don’t accept the first offer you get. There are many fees and charges that can add up to the cost of the card. Decide on how you plan to use the card, whether you’ll pay off your full dues or if you intend to carry a balance. Then find a card that will cost the least for your type of usage.
Credit Card Charges and Fees
The first point to look for is the Annual Percentage Rate (APR). That’s the yearly interest rate charged on your card. There’s also the Periodic Rate, which is the rate levied on your card balance for each billing cycle.
If the APR is variable, the interest rate can go up or down depending on changes in certain economic indexes. Get information on how often the rate changes occur and what factors determine these changes.
When you use your credit card, there are some fees that you should know about. These include annual fees, late payment charges, charges for cash advance, and exceeding your credit limit.
Finding the Right Card
â If you have a habit of carrying a large balance on your credit card, look for cards with a low APR. There might not offer rewards like air miles or cashback, but they let you save interest charges on your balance
â If you regularly clear your card dues on time, you can choose cards that charge a higher APR but have reward programs and other benefits
â If you’re considering a zero percent interest rate balance transfer offer, remember there can be a one time charge of 3% on the balance when you start the transfer
â Some card issuers have a low APR for an initial period. However, find out how much the APR would be when the offer period expires
â When you charge an expense to your card like hotel bill or a pair of shoes, you get a grace period. During this period, you can pay the dues without charges
â However, if you get a cash advance on your card, or do a balance transfer, the interest rate starts ticking from day one
Chip and PIN
Look for cards with EMV chip and PIN features:
â Previously, all American credit cards carried authentication information on a magnetic strip. Not only was this easy to read, but it was also easy to duplicate. This resulted in a number of credit card frauds.
â Now, there’s an embedded chip on the card which carries the information in an encrypted form. The cardholder has to enter a PIN to complete the transaction
Take all these factors into consideration when you choose a card. Also look for a card issuer who offers 24/7 customer support. If you encounter a problem like an unauthorized charge on your card or a lost card, you can instantly contact customer support. The card can be cancelled and a new one issued to stop the thief from using your card.
Home cleaning appears to be the biggest chore to most homeowners. While traditional cleaning products and devices have changed their form for better with technology, nothing could be as revolutionary as robot vacuums. It is a hard and tiring job to clean large spaces like homes and gardens. The innovative design of a robot vacuum has changed this scenario to give homeowners a big relief.
Significant design features of a robot vacuum
The leading robot vacuum machines like Roomba come with a variety of helpful features to perform cleaning jobs. Such features make these appliances special and revolutionary. Following are some of the useful features that save your time, money, and energy spent on home cleaning and traditional cleaning devices.
Home Cleaning No more a chore
While robot vacuum machines have many other amazing features, the listed features are sufficient to give you an idea of how these appliances have rocked the world of home cleaning. Now, you can operate it from anywhere and even get the reports on its cleaning coverage on the click of a few buttons.
A beautiful smile goes a long way in making your face look good. To ensure this, you need a great set of healthy teeth. Maintaining oral hygiene requires you to be aware of several things about your teeth, which might not be possible on a day to day basis. Though you can brush and floss regularly to prevent tooth decay and gum diseases, some problems might go unnoticed. Hence, it’s important to visit dental clinics at least twice or thrice a year to keep that wonderful smile intact.
How to choose dental clinics?
Not all dental clinics can promise you the services you are looking for. Some might charge you more than necessary, while some others might have dentists wih relatively low experience. So, how to pick the perfect clinic? Here are some tips:
Taking care of your teeth is not difficult at all, once you figure out which dental clinic works the best for you. So, follow the tips above and keep smiling always.
After a long stressful day at work, a relaxing warm bath can indubitably save the day. And you own a bathtub, you should think of purchasing a bathtub cover for your bathroom. Still wondering why? Well. there are several benefits of owning a bathtub cover.
If you do not like to clean the bathtub because of the dirt that is collected or you have kids that might slip in or hurt themselves, a bathtub cover can provide good safety. There are several types of bathtub covers; one is the simple plastic cover that can be kept in the tub in order to avoid dust, etc. If you are looking to renew the look of your bathtub, then you should opt for a bathtub liner as a bathtub cover. The other type of bathtub cover provides you with multiple options to transform your tub into a multipurpose object.
If you like treating yourself with a nice relaxing hot bath, culminating your thoughts to treat yourself, then a liner or a bathtub cover would serve a great purpose. A clean bathtub cover would help you feel clean and relaxed at the same time, but there are specific pros and cons to the bathroom cover such as the liner being used. You do not need to replace your bathtub in order to enjoy the benefit of a clean bath and a relaxed environment, but there may be a situation where the water gets stored in between the liners. This standing water could cause odor or molds in the bathroom. You do save money and remodeling costs, and it takes less time to install whereas most tubs can be lined, but there are some that cannot be such as acrylic, fiberglass or free standing tubs.
The other bathroom cover comes with pieces of elements that can be individually combined. This helps in possibly transforming the bathtub by providing a practical storage area. It can also act as a seat, relaxation deck or changing mat. If you like to read while taking a hot bath, you can always add a few elements that can be used to keep your book, creams, headphones, etc., avoiding the risk of spilling water on them. It can also lower the risk of you slipping while standing to fetch things from the nearest storage area. If your bathroom lacks racks or storage space, this can be used to provide a set up to keep the essential products for your bath time.
A good clean bathtub cover is essential to provide you with a fulfilling experience in order to relieve your stress. A good bath is also critical for your body and mind, and if you are looking to have that perfect experience, you should consider the bathtub covers.