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5 Credit Cards That You Should Have In Your Wallet

October 21, 2014 at 4:43 pm

credit cardsCredit cards are great products to have with you if you can manage them well. They can help you achieve your financial goals or finance emergency expenses when cash is not readily available. Here is a good article narrating how and why credit card was invented. However, credit cards also come with a strong temptation to splurge and spend unnecessarily, so you have to be very careful about your attitude and discipline when it comes to credit cards (or other credit products for that matter).

Choosing the right credit card is also vital for your financial health. Different cards from various banks and issuers have varying terms and features, and you are sure to find one that is most appropriate for your income, spending habits, and financial capability. If you haven’t used a credit card before and is now planning to get one, it would be wise to read this article first, as it thoroughly explains the seven basic credit card features.

Here are five credit cards that you should definitely own:


  • Citi Simplicity Card. This credit card from Citibank offers 0% Introductory APR on purchases and balance transfers within the first 18 months of activation. The most notable feature of the Citi Simplicity Card is the absence of penalty rates or late fees, so for customers who often forget or miss payments, this is a great credit card to have. You can catch up on a missed payment without worrrying about any late fee or penalty adding up to the costs. There is also no annual fee for the Simplicity Card.
  • Chase Slate. The Slate is one of the more popular cards offered by Chase Bank. If you have high interest credit card balances and are finding it hard to keep up because of the other fees and penalties you have accrued, you can transfer your balance to the Chase Slate at 0% introductory fee for the first 60 days. The Intro APR for balance transfers as well as purchases is at 0% for 15 months. It also comes with Chase’S Fraud Protection and Zero Liability Policy. It’s worth mentioning that the Chase Slate was recognized by Forbes Online as having the Best 0% Offer in Crowning 2013’s Best Credit Card Offers.
  • Citi Double Cash Card. If you are going to use a credit card, you might as well get one that has plenty of rewards and cash-back opportunities. The Citi Double Cash Card not only waives the Annual Fee, but also offers 1% cash back for purchases and 1% cash back over payments. The card even comes with 0% Introductory APR for balance transfers and purchases for 15 months (balance transfer fee at 3% or $5, depending on which is greater).
  • Chase Freedom. If you are a frequent online shopper, you definitely should have the Chase Freedom card in your wallet. This credit card gives you 5% cash back on up to $1500 worth of combined purchases at Amazon, Zappos.com, and selected retailers up to December 31, 2014. There is also 1% unlimited cash back on all purchases, 5% cash back offers for gas stations, food establishments, and Amazon.com every three months, no annual fee, and no rewards expiration date.
  • Tires Plus Credit Card. For those who are always on the road, the Tires Plus Credit Card offered here is a must-have. There is no annual fee and it can be used at any of the numerous Tires Plus locations across the country for savings and discounts. It is a great card to have handy when you need maintenance or repair on your vehicle but do not want to break the bank when paying for it.

APA Tutorial: Writing Essays the Right Way

June 25, 2013 at 10:38 pm

APA TutorialNo matter what anyone has told you, there is in fact a correct way to write a paper. This paper could be a term paper, a research report, an experimental study, a literature review, a theoretical article, or even a case study, either way you must learn the correct and the wrong way to write your paper.

A literature review is a critic of a literary work. A literature review will typically include: title page, introduction section, and a list of references. An experimental report follows the scientific method so this essay will include several more sections and is a more in depth paper. An experimental paper may include: title page, abstract, introduction, results, and references.

There are several steps to writing in correct APA style including: typed, double-spaced, and 12 pt. Times New Roman font. When writing in APA style you should use a page header at the top of every page, and an essay should include four major sections: title page, abstract, main body, and references.

The first page of your paper should be the title page. The second page should be the abstract, and the third will be the beginning of the text. When addressing the topic make sure you are specific and aware of personal bias. When writing also be aware about what individuals prefer to be called and acknowledge the people and their participation in your research.

When you start a new page make sure to include the page header on the top of the page and the on the first line of the paper center the word abstract. Abstract on the page should not be bolded, underlined, italics, or in quotation marks. The line following the abstract should include a couple short sentences giving your readers a summary of the key points in your paper.

When writing a paper citing your sources and references is especially important if not the most important part of your paper. To avoid plagiarism, take precautions and collect all the information you need from the site in order to form a correct citation.

When writing a paper you should combine all sources and citations to create a final reference list. The reference lists allows the readers to find the sources with ease.

APA style is simple once you set your mind to it and start writing. Stick to APA style and do not stray from your topic. Make your points specific and make sure each point has a meaning; otherwise, just let the words flow out of your mind and onto the paper, and enjoy the writing experience. Keep on writing.