If used correctly, credit cards are one of the best ways to make payments and manage your finances. You can use them for small purchases like grocery shopping and even big ones like electronics. But, with so many options for credit cards, how do you choose something that will work for you? Worry no more! Here, we have rounded up some of the most popular credit cards available in the country.
Capital One Quicksilver Cash Rewards Card
This is the top pick for many people because it has a simple rewards program to help you save money. You get a combination of low interest, low fees, and a high rewards-earning rate. One of the most valuable advantages of this card is that it has no charges for foreign transactions, making it a perfect option for frequent travelers.
Blue Cash Preferred® Credit Card by American Express
If you are looking for something to make your everyday purchases easier and payments seamless, this card is for you. It can be used for all your daily needs, such as travel, groceries, and gas. And you get excellent cashback too, which helps cover the nominal annual fee. If you find it hard to meet your expenses, owning a card like this may help you save.
Chase Sapphire Preferred® Credit Card
This is one of the best options for earning rewards and bonuses. Though it seems skewed towards attracting travelers, the card has some fantastic features that appeal to almost everyone. Besides a lucrative rewards program, it offers a high welcome bonus and flexible redemption options. All frequent travelers get a 1:1 transfer rate that adds up to a higher per-point value. The benefits also extend to dining and accessing streaming services during your travel.
U.S. Bank Altitude® Connect Visa Signature® Card
If you frequently travel by road or go on road trips with friends but find it hard to set aside money for gas, it is time to get a card that makes traveling more affordable. The U.S. Bank Altitude® Connect Visa Signature® card is among the best for earning high returns on your gas expenditure. It does have an annual fee, but it is waived for the first year. Each point of this card is worth one cent and gets you steep cashback at gas stations.
Citi® Double Cash Card
This card has been among the top favorites for many ever since it arrived in 2014. The reason? It offers one of the best flat-rate cashback programs. Users get cashback on purchases like groceries, gas, and even credit card payments. You can earn two percent on every purchase, and the points can be redeemed as direct deposit, a statement credit, or a check.
Discover it® Miles
This is another top credit card to get if interested in a rewards program. Discover it® Miles has many fantastic features, but something that will catch your eye is its unlimited miles offer. You get unlimited 1.5x miles for every dollar that you spend on purchases. You also get a welcome bonus and a mile-for-mile match for all the miles earned in the first year.
While these are among the best options in the country, there is no one-size-fits-all in credit cards. You should only select one after considering your spending habits, financial goals, and budget.
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12 home-cleaning secrets that professionals rely on
Read moreA clean home helps enhance home aesthetics and is synonymous with physical and mental well-being. Studies have found associations between clutter-free homes and increased happiness and confidence. Moreover, cleanliness prevents respiratory conditions and reduces the prevalence of allergic reactions. Facilitating cleanliness at home is no rocket science—all one needs is some patience and certain tried and tested home-cleaning hacks. So, this article provides an insight into some home-cleaning secrets that professionals rely on.
Start cleaning from the ceiling
Experts believe that cleaning from the top helps establish an efficient cleaning process and reduces effort. This is because the dust suspended from the ceiling and objects situated on or close to it, such as chandeliers, ceiling fans, the roofs of cupboards, attics, etc., fall to the ground, requiring one to clean the floor to dispose of this dust. Thus, cleaning the floor at the end ensures that no surfaces have to be cleaned more than once.Use natural products
Although store-bought cleaning products can and should be used while cleaning the home, several household items also make for excellent cleaning solutions. For example, a mixture of baking soda and vinegar is recommended for cleaning hard stains on various surfaces, including the sink and floor. Similarly, citrus fruits like orange and lime are natural cleaning agents that can be used to clean cutlery, bathroom surfaces, and other home surfaces.Use the dishwasher to clean various objects
The dishwasher is indeed a wonder home appliance that not only cleans utensils but a host of other household items, including toothbrush organizers, stove burner liners, refrigerator shelves, gardening products, and practically any other product made of glass, ceramic, or metal. Thus, using the dishwasher to clean your household products can save considerable time and energy while ensuring a spick-and-span home.Avoid mixing vinegar and bleach
Although vinegar and bleach are effective cleaning solutions when used individually, blending the two products releases a poisonous chlorine gas, which can be dangerous if inhaled. Therefore, these cleaning products should be used separately while cleaning the home.Dust the rooms before vacuuming
It is a good practice to dust the rooms, including shelves, walls, showpieces, and furniture, before vacuuming these surfaces. Starting your cleaning process with dusting ensures that the dust particles that are released into the air while dusting can be absorbed by the vacuum cleaner. In contrast, dusting after vacuuming leaves these dust particles suspended in the air, which can cause allergies and accumulation of dust on surfaces.Sanitize the sink
Research conducted by the Global Hygiene Council suggests that kitchen sinks comprise over 17,000 bacteria per inch, while the kitchen tap handles contain 13,000 bacteria. Hence, it is crucial to clean and sanitize the sink regularly to prevent bacterial infections and diseases. For optimal sanitization of the sink, experts advise filling the sink with warm water, adding a tablespoon of bleach to it, and allowing this solution to rest in the sink for at least five minutes. One can also dip a sponge in this solution and use it to clean the kitchen tap and faucet.Clean or replace your sponge regularly
It is advisable to replace the kitchen sponge frequently, typically once every two weeks. However, the same sponge may be used for longer periods if cleaned thoroughly. Kitchen sponges must be soaked in a diluted bleach solution for five minutes and then rinsed for best results.Descale the coffee maker
Descaling the coffee maker is an integral routine process to ensure hygiene. Descaling essentially removes limescale, which often gets accumulated in coffee makers due to calcium, magnesium, and other minerals being deposited by water. One may purchase specialized descaling tablets to descale coffee makers or simply use vinegar for this process.Start by clearing the clutter
A cluttered room cannot be cleaned, no matter what cleaning products and strategies are used. Therefore, the first step to effective home cleaning is to clear all the clutter, checking every room, including the spaces beneath couches and beds. Another integral aspect of decluttering is to dispose of the items that one does not require.Invest in microfiber cloths
Microfiber cloths can be one’s best cleaning companions as these are excellent absorbents. These can be used to remove organic matter, such as grease and dirt, as well as germs and bacteria from surfaces. Moreover, they reduce one’s cleaning effort considerably and require minimal wiping. Hence, it helps to collect sufficient microfiber cloths for home cleaning.Avoid cleaning one room a day
Many homeowners often clean one room a day, owing to the exertion involved in cleaning all rooms on the same day. However, cleaning one room a day often makes cleaning an endless process extended over days on end. In contrast, cleaning the entire home within a day or two can help wrap up the activity efficiently. To avoid exertion, families can plan cleaning as a group activity, wherein each person takes charge of cleaning one room. Such activities increase family bonding time while alleviating the boredom involved in home cleaning.Consolidate all the cleaning tools
An essential aspect of home cleaning is gathering all the necessary cleaning materials and tools. Having your cleaning equipment scattered can increase confusion and increase the cleaning time. It helps to consolidate all of one’s cleaning tools in a bucket or tub, as it can help speed up cleaning and facilitate more organized cleaning activities. -
5 things you must know about social security
Read moreSocial security is the term used for federal program (OA SDI) in the United Sates. It began to make headway in1935. The prime motivation of this federal system is to provide financial support to its nation’s workers in retirement. Such an existence of a social security system is left concealed among most of the country’s workers and elderly citizens. It is an outrageous fact that only 1% of the US citizens were acquainted with the social security available as per the AARP survey conducted by financial advisors last year. The fact of the matter is that if one does not understand this basic amenity, he cannot secure the advantage of its benefits.
Here are the five things everyone should know about social security:
• Educate yourself: Educating yourself about social security will help you make the best decisions regarding your retirement. Working with a qualified planner who takes a holistic retirement planning approach that includes tax planning, risk management, and health care into consideration will also help to ensure you enjoy your stress-free retirement. So, work with an experienced retirement planner.
• Disability payments: In case you develop physical or mental impairment and want to wind up your job; you still may be qualified for disability payments. Submitting certain documents such a medical bills or diagnostic reports about your health will let your social security system list an estimation on your payments even though you may be disabled.
• The right age to sign up: Understanding your retirement age is the first step. Depending on the year of your birth, the full retirement age will be between 66 and 67. Many people will opt to take their benefits when they first become eligible at age 62. Taking your social security prior to full retirement age will result in the reduction on benefits by 25%. So, consider carefully before you decide to reap benefits from your social security prematurely.
• Security Benefit: Your social security benefit is based on the years of service you put in, the minimum recommended being 35 years where you earn the most money. If you have put in fewer years, the remaining years will be counted as zero income years. Increase your benefits by working longer.
• Offset inflation: Social Securities is one of the few income sources retirees have that increases each year to offset the erosive effects of inflation. The annual increase is based on the changes in the federal consumer price index. Increasing cost of goods and services each year results in loss of buying power. But with social security, you needn’t worry about that.