Budget & Money

Many credit cards offer a variety of reward rates. When you make a purchase with a rewards credit card, you’ll get a certain number of points. However, you may earn a different amount of points per dollar with many credit cards. Variable rewards rates can be a bit confusing, so if you want to get the most out of your credit card, you need to understand them. Here’s what you need to know about variable credit card rewards rates.

1. Different Purchase Categories

The most prominent type of variable rewards rates is different purchase categories. For example, a specific credit card might give you the option to get extra rewards when you buy at a grocery store or at a restaurant. Many credit cards offer these types of variable rewards rates, often giving you a baseline rewards rate, then more for certain categories of purchases.

2. Specific Companies

Some credit cards may also have agreements with different companies that give you extra rewards when you make a purchase through that company. If you choose to take advantage of the Chase Sapphire Reserve promotion, for example, you can get 10x the rewards on all purchases you book with Lyft through your credit card. The Chase Ultimate Rewards travel portal also gives you extra rewards on many other travel purchases.

3. Annual Credit

Annual credit can be a type of reward. The Chase Sapphire Reserve card has a steep $550 annual fee, but it also gives you a $300 annual credit for travel purchases, so as long as you use the credit, the fee is basically just $250 per year. This annual credit may vary depending on certain elements, like how much you spent on the card the last year, or it may be the same no matter what. An annual credit can be a type of reward that you can use to essentially reduce the annual fee of using an especially premium credit card.

4. Transfer Options

Some credit cards allow you to transfer rewards points to different partners. This may allow you to transfer points to a partner that can use your points more effectively. The Chase Sapphire Reserve card has 14 airline and hotel transfer partners, which allow you to transfer your points on a 1:1 basis. If you keep an eye on the value of different airline and hotel rewards points, you can often transfer your points over to make sure they’re worth as much as possible, creating your very own variable rewards rate.

Conclusion

Variable rewards rates can be a good way to use credit cards in the most effective way possible. If you pay attention to variable rewards rates, you’ll often be able to get more from all your purchases, using credit cards with high rewards rates to pay for certain purchases. With this information, it can be much easier for you to understand how variable rewards rates work and how you can make the most of them.

 

Babies are a great source of joy for any parent. However, several responsibilities come along with becoming a parent. One of the responsibilities you have once you become a parent is shopping for newborn baby clothes.

Any parent can face a lot of challenges when purchasing baby clothes. The challenges can be more significant if it is your first time shopping for baby clothes. You have to consider a lot of things when shopping for baby clothes. So, most parents find the task extremely stressful, not forgetting time-consuming.

Let’s have a look at some of the tips that can guide you when buying clothes for your baby.

Consider Size

It can be disappointing to buy beautiful clothes for your baby, only to find them small or too big. As you purchase baby clothes, size is an essential factor to consider. When shopping for baby clothes, ensure you buy those that fit right. Right fitting baby clothes not only provide comfort but also allow the baby to move around easily.

Newborn babies grow up very fast. So, when buying their clothes, ensure you account for a fast growth rate. It is advisable to purchase bigger-sized clothes for your baby to compensate for their rapid growth. However, you should find a balance between comfort and size.

Consider Style and Purpose

Babies need a lot of care, from feeding to diaper changes. So, you should consider the style and purpose when buying baby clothes. To make diaper changes easier, ensure you purchase baby clothes styles that are easier to put on and take off.

Your baby would spend most of their time sleeping. Therefore, make sure you buy cloth styles that would make their sleep comfortable and peaceful.

Baby clothes get dirty fast because they feed and soil them all the time. So, you should find styles that do not require special laundering procedures when purchasing baby clothes.

Consider Prices

When buying baby clothes, the cost is one of the factors that confuse most parents. In most cases, you have to find a balance between price and quality. Babies have a fast growth rate; therefore, they outgrow their clothes within a short time. So, most parents find it pointless to buy expensive and stylish clothes for their newborn babies.

While that may seem like a sound resolution, your baby would be a newborn only once. Therefore, you have to make the most out of it. It is advisable to avoid compromising quality for lower prices when buying baby clothes. You would be happier as a parent when your baby wears top quality and well-designed garments.

Consider Material

When buying baby clothes, you should consider fabric since babies have sensitive and irritable skin. Picking the wrong material can cause a lot of irritation and rashes on your baby’s skin.

It is advisable to buy materials that are gentle on the baby’s skin, such as cotton. Cotton has properties that make them a perfect fit for baby clothes. Some brightly coloured clothes may have fluorescent agents. Therefore, they can irritate your baby’s skin.

Conclusion

Purchasing baby clothes should not be a difficult task, provided you follow the proper guidelines when shopping. Other tips can help you purchase baby clothes, but these are the top ones. Avoid buying a lot of newborn-sized clothes since your baby would outgrow them fast.

 

Whether you’re going into college soon, you’ve just entered college, or you have a child who’s going into college, you might want to do your own research to learn more about many elements of the collegiate experience. One of those elements is tuition. Tuition might not be your favorite thing to talk about, but it’s a good one to know a bit more about. If you want to know more about how colleges spend your tuition, here’s what you should consider.

The Costs of Your Education

First off, a lot of the money goes to direct education costs. That includes things like teachers’ salaries as well as student aid. On average, $61.46 of every $100 of tuition goes to these kinds of direct costs. Here’s the breakdown of these costs:

• $15.81 – Salaries
• $11.47 – General Instruction Expenses
• $9.61 – Auxiliary Student Enterprises
• $8.26 – Academic Support
• $8.15 – Institutional Support
• $4.75 – Student Services
• $3.41 – Grants and Financial Aid

That’s definitely a great thing to know. Whenever you’re paying your tuition, most of the tuition does actually go back into the university. This is especially true with public universities, but it’s a combined total of both public and private universities.

General University Costs

There are other elements of running a school that require money but might not be as much of a traditional classroom experience. Although you might not realize it, your tuition goes to these things as well, making up on average $348.54 of every $100. This is the breakdown of the cost:

• $15.58 – Hospitals and Healthcare
• $11.66 – Research
• $6.25 – Other, Including Taxes and Liabilities
• $4.52 – Public Services
• $0.53 – Independent Operations

Some of these elements do actually play a huge part in your university experience. Hospitals, for example, may be a necessity for medical students, who need hands-on experience before they start to practice as a doctor. Either way, however, they’re mostly tertiary.

Private Colleges Versus Public Colleges

Ask someone the main difference between a private college and a public college and they’re likely to respond, “The cost.” Although many people may argue that a private college is more expensive because it’s more high-quality, the fact remains that most people just think that private colleges are more expensive than public ones.

When you look into the data, however, the answer actually gets even more interesting. For example, of your tuition, a public school will typically utilize $5,987.96 on salaries and general instruction expenses. A private school will utilize $15,315.08, which is more than two and a half times the public school number.

On the other hand, some numbers don’t actually change that much. For some categories, the discrepancy is the opposite. A public four-year college will use approximately $748.50 of your tuition to help with student grants, while a private one will use $239.38 of your tuition on average for the same thing.

Conclusion

Tuition is a complicated and confusing subject, and it’s one that it’s incredibly natural to be uncertain about. If you want to learn more about tuition, you definitely should; it’s an important thing to know about, especially if yourself or someone close to you wants to learn more as well.

 

Online gambling has become a reality for many players. As we continue to see transformation take place in the general world of technology, the gambling arena hasn’t been left out. The online platform is giving gamblers many reasons to choose this form of playing. They include safety, comfort and fantastic entertainment while you’re sitting in your own living room. What could be more convenient?

Are you new to the world of online gambling? Do you feel nervous about putting your chips out there in a digital world? Make sure you use our five tips to help you get the most out of your online gambling experience.

Get the Full Benefit of Player Experience and Entertainment

The benefits of using online gambling are numerous. Not only can you do it in your pajamas but you can shut the door to any distractions. But to experience first-rate player experience and entertainment, some factors should be considered.

Is Your Online Casino Regulated?

Gambling has its reputation for being dodgy if not properly regulated. Online gambling could take you into a murky world if you’re not careful! So, before choosing your online gambling platform, make sure it’s legit.

The kind of questions you should be asking here are:

• Is it licensed?
• Is it regulated according to the country’s legislation?

If these questions are not easily and obviously answered on the site you’re looking at, close that tab down now.

Is the Site Secure and Reliable?

Not only are you looking for some fun but you want to know you’re secure online. And this is essential, of course, when money is involved. Does the online platform offer secure access? Are they reliable when it comes to taking and making payments?

Find out which financial company your chosen online site uses. Will you be able to get your funds through them when requesting a payout of your winnings? Ensure your bank can handle monetary transactions with this company.

Fair and Square Playing

All online gambling sites should be able to guarantee fair play when you’re gambling. As a newbie to the world of online gambling, you could fall short here. If there’s no mention of a fair gaming experience, then look elsewhere.

Optimise your gambling wins with companies that are externally audited. This normally means they are serious about their fair play protocols.

The Selection Counts: More is Better

The best online casinos Canada, America and other countries have to offer will give you the widest selection of games to choose from. Don’t limit yourself to blackjack when you can play roulette or slot machines as well. Do you want the “real” experience of playing a game with a card dealer? Many online gambling companies are offering this service.

Welcome Bonus Packages

Welcome bonuses are attractive options when you’re going online gambling for the first time. Legitimate casinos will often offer a welcome bonus against your first deposit or award you a bonus spin. Giving you complimentary credit, often in the form of a match offer, you’ll enjoy the casino experience even more, so it’s worth looking for these options before you pick a site.

Final Thoughts

For first-time users and seasoned players alike, online gambling can seem intimidating. But it needn’t be if you know what to look out for. With more online gambling platforms opening up, your choice is unlimited. If it’s regulated, fair, secure, reliable and offers welcome bonus packages then you’re heading in the right direction.

Traditionally, gambling of all kinds has been associated with males. An adrenaline-fuelled, daring hobby that involves taking risks has always tallied with stereotypically masculine characteristics. Women, on the other hand, were viewed as being more cautious; averse to risk-taking and opting for safer, milder game choices. Statistics show that males were the predominant patron at land-based casinos.

Today, the gender lines are becoming increasingly blurred. Leading UK online casinos like Gold Rush Slots are helping greatly to demonstrate that gambling can be an enjoyable pastime for all, regardless of gender. How has this happened?

The rise of modern gambling platforms has played a huge factor. Gambling activity has shifted enormously from land-based casinos to online-based casinos and mobile casinos. This shift has attracted a greater audience thanks to accessibility and convenience of online casinos and slots; including female gamblers. Gambling companies have cottoned on to this, and in a bid for further growth, have carefully tailored their marketing and branding to include all genders. To date, this campaign has been incredibly successful in attracting more female players; but why is it that females prefer online gambling to traditional land-based casinos?

Convenience & Comfort

Not just a benefit for ladies; but online casinos offer a convenient and comforting environment like no other. Brick and mortar casinos can often be crowded, rowdy and chaotic; possibly even daunting for some customers. Online gambling provides an opportunity to play the same (or even better) games from the comfort of familiar homes and without the unpredictable atmosphere of land-based casinos.

Anonymity

Some people prefer to play casino games anonymously; a task that was virtually impossible in traditional casinos. Your successes and your losses are in full view of the general public at a physical casino, but online slots and games can be played with a strong level of privacy. This is of great benefit to inexperienced gamblers who wish to brush up their skills without the scrutiny of others.

Marketing

In addition to comfort and anonymity, online casinos are marketed towards women much more than traditional casinos ever were. Studies show that more women tend to prefer online slots than men, and many online casinos are jam-packed with casino slots. Furthermore, modern advertising campaigns regularly feature female celebrities which has been shown to attract a wider female audience, and games have become much more stereotypically feminine-orientated in terms of themes. Studies have shown that women also tend to enjoy playing games that are linked to social media and social networking; therefore, another effective marketing technique has involved online casinos linking up to popular social media sites such as Facebook.

Ease of Play

One simple reason for the rising popularity of online slots with female players is how easy they are to play! Many women have busy schedules in our modern and demanding society; therefore, engaging and enticing online slots – which lack the complex rules and instructions often found with alternative casino games – provide a simple game for anyone looking for a little escapism from a hectic life.