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Rate surfing can be a good way of reducing debt but there is a risk. To avoid long term damage to your credit rating, it's best to make sure you do it right.

Rate Surfing Research

First of all, start by researching the current credit card rate offerings to see which one is best for your circumstances. Many people opt for the 0% interest deals, as these allow them to apply the payments the make to clearing any outstanding debt. These deals usually last for a limited period (between three and 12 months),
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so canny rate surfers will need to be on the lookout for the next deal.

Keeping Track Of Credit Card Interest Rates

With rate surfing, it is essential to move to the next card before the reduced interest period runs out. If you don't, you could find yourself with hefty payments to make. If you're surfing with many credit cards, you'll need to keep track of the different offer expiry dates so you don't get caught short. Keeping track of these dates can be as simple as writing them down on a piece of paper.

The more technically savvy may prefer to use a spreadsheet for this purpose. Whichever system you use, it's worth using a calendar to keep track of the dates when you need to apply for new cards and move money. If you have an electronic calendar, set up automatic reminders for these dates. That means you will always know when it's time to make the next credit card balance transfer.

Finding cards to move to is relatively easy, as there are several websites that offer comparisons of credit card deals. The same sites will also show you whether the 0% credit cards offer other incentives, such as air miles, vouchers, cash back or charitable contributions.

Balance Transfer Fees

One factor to think about is the rate charged for the balance transfer. With rate surfing becoming more popular, many credit card companies are charging a one-off balance transfer fee of approximately 2% of the sum transferred. This can soon add up when you are transferring large sums or working with several credit cards. There are still a few cards that do not charge this fee, so it's worth shopping around to find one.

Organise Your Rate Surfing

Organisation is the key to successful rate surfing. For example, it may be worth automating your credit card payments by setting up a standing order through your bank. That way you can be sure that your credit card bill will always be paid on time, and there won't be any danger of damaging your credit rating.

Rate surfing works best for those who intend to clear a debt. Adding more money to a transferred balance will not help with this goal. In addition, credit card companies may charge a different interest rate on new spending. This could increase, rather than decrease, the debt. With a bit of organization, most people can manage to reduce their levels of debt through rate surfing.
5 million women in India formed a human chain to protest gender inequality at a major shrine

No matter where you live in the world, gender equality has yet to become a reality. But that doesn’t stop advocates from fighting against sexism every single day. Recently, in India, protesters formed a human chain in response to a Hindu temple’s ban on women.

BBC News reports that yesterday, January 1st, about five mi
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llion people from across the Indian state of Kerala gathered at Sabarimala temple to demand gender equality. Sabarimala temple is a major shrine and the largest annual pilgrimage site in the world (millions of people visit every year). Those gathered formed a “women’s wall” that stretched nearly 385 miles in protest of the temple’s historic ban on women of “menstruating age” (between 10 and 50). The protest was organized by Kerala’s local government, which originally expected three million demonstrators.

Sabarimala temple: Indian women form '620km human chain' for equality
— BBC News (World) (@BBCWorld) January 1, 2019
India’s Supreme Court overturned the ban in September 2018 after the practice had been in place for centuries. However, according to The Guardian, conservative protesters have since blocked women from entering the temple, and some, like India’s Prime Minister Narendra Modi, have argued that the ban was a matter of religious custom, not sexism.

As the BBC notes, Hindu temples traditionally allow women to worship on their premises—unless they’re on their periods. But the deity of Sabarimala temple, Lord Ayyappa, is said to have taken an oath of celibacy. For this reason, women under 50 are regarded as “temptations.”

“Of course, I support the move to allow women of all ages into the temple,” one demonstrator, Kavita Das, told BBC Hindi. “I don’t think tradition or any kind of backwardness should stop women. Those who want to pray must have the right to pray.”
Lakhs of malayali women joined hands to form a women's wall in Kerala, against communalism and gender discrimination and demanding to not to push Kerala back to the dark ages... It indeed is a happy new year #WomenWall#KeralaLeads
— Nileena S Balaram (@neelippennu) January 1, 2019
My mom (second from left) just came back tired from #WomenWall and dad promptly made her tea. #SmallWins #vanithamathil
— Azhar (@400BlowJobs) January 1, 2019
Phenomenal! Never seen such a display of women power. Down Down Patriarchy and Communalism #WomensWall
— Sudeep Sudhakaran (@SudeepSudhakrn) January 1, 2019
Pinarayi Vijayan, the head of Kerala’s government, also celebrated the protest in a tweet.

CM Pinarayi Vijayan warmly congratulates all who made Kerala's #WomensWall a great success. The 620 KM long gathering, organized to uphold the values of Kerala Renaissance, saw huge participation of women from all walks of life. This is a momentous occasion in our social life.
— CMO Kerala (@CMOKerala) January 1, 2019
The Times of India reports that early on January 2nd, after the women’s wall dispersed, two women in their 40s entered the shrine to offer their prayers. According to HuffPost, 44-year-old Kanakadurga and 42-year-old Bindu were the first women to successfully enter Sabarimala temple. In response, the temple was closed for a purification ceremony.

We entered Sabarimala. Salute Bindu and Kanakadurga for making this historical change. #WomenWallKerala #Kerala
— Nisha Kurian (@NishaKurian4) January 2, 2019
We’re in awe of the brave demonstrators fighting for the right to worship. Here’s to hoping that 2019 brings much-needed change.

The post 5 million women in India formed a human chain to protest gender inequality at a major shrine appeared first on HelloGiggles.

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Anyone who’s anyone knows you can’t get through school without a teensy bit of cheating here and there.

Whether it’s sneaking a glimpse at a classmate’s paper in an exam, copying someone’s homework, or writing answers on your arm instead of revising, it doesn’t matter.

The point is, children and teenagers have been cheating for decades, if not centuries. But now it seems they’re getting more innovative with their ideas, as one boy has been caught using Alex
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a to cheat on his homework.

Six-year-old Jariel was caught using the device to cheat on his maths homework by his mum, Yerelyn Cueva, 24.

The New Jersey mum filmed her son sitting at their kitchen table while doing his maths homework, after hearing him ask Alexa for help.

She started filming just as the six-year-old turned to the device and said, ‘Alexa, what’s five minus three?’ to which she quickly responded with the correct answer and Jariel begins to write his answer down.

Lmfao should i whoop him now or later

— Yerelyn (@spanishbarbie22) December 20, 2018

Hilariously, the video – which was posted to Yerelyn’s Twitter page on December 20 – then shows the mum bursting into the room and shouting, ‘booooy’ to let her son know that he’s been caught in the act.

She captioned the video:

Lmfao should i whoop him now or later

The video went viral and at the time of writing (December 28) has received more than 8.3 million views – a number which is growing fast.

People responded to the tweet in their thousands, hailing the young boy for his ‘genius’ way of thinking and referring to him as a legend.

Which, let’s face it, he is. He’s only six and he’s already figured out an easy way to do his homework. Who can blame him, really.

One person wrote:

Tell him what he did is wrong but give him a cookie for being smart as shit that’s a true finesser

Tell him what he did is wrong but give him a cookie for being smart as shit that’s a true finesser

— A West (@ayyy_west) December 21, 2018

While another said:

This kid is going places! Give him a cookie! The kid is asking for assistance when he needs it. He is utilizing his resources and he is working smarter not harder. What more can one ask for!

This kid is going places! Give him a cookie! The kid is asking for assistance when he needs it. He is utilizing his resources and he is working smarter not harder. What more can one ask for!

— Fara (@faraway18) December 21, 2018

And another wrote:

He’s learning to finesse young asf which is good… life and especially school is all about finessing … I applaud him

He’s learning to finesse young asf which is good… life and especially school is all about finessing … I applaud him

— maddy p (@babygirrrrrl___) December 22, 2018

Despite the praise Jariel’s received online, his mum wasn’t as impressed with his cheating and couldn’t believe what she was seeing.

In an interview with the New York Post, Yerelyn said:

It was just any regular day of doing homework. I’m in the living room, and I overheard him asking Alexa some math problems, and I could not believe it!

What you don’t see is after he says, ‘Thank you, Alexa, for helping me with my homework.’

The mum said Alexa was only in their Paterson home for one week, before she caught the cheeky six-year-old making the most of its knowledge for his first-grade homework assignment.

Merry Christmas from me & the young legend himself

— Yerelyn (@spanishbarbie22) December 25, 2018

She continued:

The funny thing is that math is actually his favourite subject. I was surprised because he knows this stuff. He was just being lazy. Taking a shortcut.

Well, if there are any parents out there I’d be advising you to hide your Alexa’s – or at least turn them off while your little ones are doing their homework!

Top thinking by Jariel though.

If you have a story you want to tell, send it to

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Stop by Target and save up to 57% on the regular price of Nix lice treatment! This would be a great item to buy now and save, as opposed to paying full price later on.

Although this is a stock-up price, the printable coupon has a limit of one per transaction.

Buy 1 Nix Ultra 2-in-1 Lice & Eggs Solution, 3.4 oz $17.99, regular price

Use 40% Off – Nix Lice Treatments, Target Cartwheel Offer (exp 1/5) (
And use one $3.00/1 – Nix Lice Treatment product, limit 1 (
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Final Price: $7.79

Buy 1 Nix Lice Treatment Kit $19.99, regular price

Use 40% Off – Nix Lice Treatments, Target Cartwheel Offer (exp 1/5) (
And use one $3.00/1 – Nix Ultra product, limit 1 (

Final Price: $8.99

Debrox Earwax Removal Kit, $2.79 at Target – Reg. $7.99!
The post Nix Lice Treatment, as Low as $7.79 at Target! appeared first on The Krazy Coupon Lady.

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In the years following World War II, a strange and exciting new technology emerged. Moving pictures … in your living room.
Showing eager audiences moving pictures was nothing new — people had been watching nickelodeons since the 1800s, and theatres were showing silent films and “talkies” well into the dawn of the 21st century. But, save for the wealthy owners of home theaters, one had to go out to experience these. Moving pictures were group activities, while sitting around the fire listening to the radio was the
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mainstay of the modern home.
Television changed that. Many wrote TV off as a fad, but soon, nearly every home in North America had a television: rabbit-ears pointed in all directions, picking up everything from news broadcasts to sporting events. By the 1950s, presidential addresses were delivered over television, and wide-eyed children watched incredible footage of the moon landing, beamed back from the furthest any human being had ever gone in our galactic front door. Moving pictures became personal.
Color TV was introduced in the 1960s, and as VHS tapes were born in the late 1970s, TV became an on-demand medium. No longer did you have to wait for your favorite show to come on, you could record it, and watch it later. No longer did you have to wait for a station to play your favorite movie, you could pick it up and watch it at your leisure, commercial-free. On-demand television was an exciting idea as early as the 1970s. And it’s no surprise that when the internet rolled around in about the same time frame, it would take less than 30 years for video to become one of the primary, and most exciting uses of this new communications network.
And that is what we want to talk about today. We believe in the power of online video, but where did online video begin? What were some of the key milestones that got us to where we are now — a world where Facebook’s CEO believes video will be as big as mobile phones in how we communicate, and Cisco conservatively estimates that up to 80% of the internet’s traffic will be video by 2020. Funnily enough, it all began with a pot of coffee.
The Trojan Room: Laziness Breeds InnovationWhile details are foggy on what the very first video was to be streamed over the internet, few people mince words over the first real “live” video stream. In 1991, in the old Computer Laboratory of the University of Cambridge in England sat a lonely coffee machine. Disappointed engineers from all over the building would traverse the hallowed halls to find the coffee pot empty, and would trudge back to their offices and labs empty handed. To help alleviate this great stress, a camera was set up across from the coffee pot, beaming its status to any computer in the building.

By 1993, web browsers had attained the ability to display images, and the camera was connected to the internet as an image that could be refreshed ‘live’ to make it easier to transmit its status. As the world wide web grew, so did the popularity of the webcam, with people checking in from all over the globe to see the status of Cambridge’s coffee pot. One could argue that in addition to being the first live video streamed daily on the internet, it was also the first viral video. The coffee pot pre-dates Google, so to find it, you had to either know where to look, or have someone tell you.
Broadcasting a coffee pot online to save engineers a walk down the hall may seem like a small feat, but this humble beginning is the first step towards the video-driven world we live in today. And as technology evolved, so did its capabilities. In 1993, a top-of-the-line modem would have transmitted and received data at 14.4k per second, which works out to downloading a 1mb image in 9 minutes and 42 seconds. Streaming a Netflix movie, at a whopping 1.5gb per film, would take 242 hours and 23 minutes, or just under 21 days. On-demand digital video wasn’t quite ready for prime-time yet, but the seeds were planted. All it needed was technology, and mainstream interest, to catch up.
Enter: Moore’s Law.
Moore’s Law and Online VideoMoore’s Law is the observation that, as technology advances, the number of transistors in a dense circuit doubles every two years. Sometimes this is the result of progress, sometimes Moore’s Law is seen as a target that must be reached so we reach it. A self-fulfilling prophecy, if you will.
While there’s no direct relation of Moore’s Law to internet speed, one could look at the rate at which we have increased our internet communications capacity in a similar light. Whether it’s advancement in technologies through natural experimentation, or simply the desire to meet the demand of ever-increasing complex online processes, our internet speed and bandwidth has continued to rise year-after-year, and with it, our ability to do amazing things online has risen too.
The late 1990s saw the rise of broadband internet, and the increasing complexity and creative possibility of internet browsers to display more exciting media. GIFs began to emerge as a popular moving image format, and some of the earliest viral ‘videos’ — adding audio to a page with moving gifs, and looping them at the same rate — began to emerge too. While not the proudest moment in internet history, few will struggle to remember the Hamster Dance, sent out via countless emails from well-meaning relatives, and spawning everything from techno remixes to awful day-time television dance parties. Like it or not, the Hamster Dance was one of the first viral videos. And a new technology emerged that would change everything once again.
The Short But Exciting Rise of FlashFlash Video, Developed by Macromedia in the late 1990s, was officially added as part of Adobe’s Flash Player 6 in 2002, and ushered in a new wave of online video. In addition to allowing media companies to display short video online and in a format that was easy for browsers to display, Flash was also an easy platform to build animations, and would enable thousands of would-be cartoonists to bring their visions to life. Animations like the infamous Badgers video arrived in 2003, and were widely shared privately before Flash-focused websites like Newgrounds opened up to user-generated content. The now famous Numa Numa video, uploaded as a flash video, would attain an unheard of 2 million views in its first three months online.

In addition to battling for bandwidth space against Napster and a host of new file-sharing platforms, online video finally had the technology, and the required bandwidth to become a mainstream phenomenon. News networks used Flash to share their segments online, sports teams shared highlights on their websites, and humor sites like eBaum’s World and AlbinoBlackSheep became popular destinations to watch and create flash animations.

With so much video scattered across the web, watching the content was no longer an issue for those that could afford the internet connection required to enjoy it. But finding video content was still a challenge. Until Valentine’s Day, 2005.
Why You Were the Time Magazine Person of the Year in 2006By 2005, nearly 30% of all households in the United States had “high speed” internet — using cable or DSL to access a much higher download and bandwidth rate than had been offered by telephone modems. This dramatic increase in available internet speed, coupled with digital cameras (and video cameras) becoming more commonplace, was creating an interesting intersection of opportunity.
There was a lot of video content floating around. And people had the technology to watch it at home, or at work. But where did you put it?
On February 14th, 2005, Chad Hurley, Steve Chen, and Jawed Karim, three alumni of PayPal, launched YouTube as a place for people to share their online videos, and search for other people’s videos. The first video uploaded to the site was commemorating Karim’s trip to the zoo.
Anyone could create an account, upload their content, and start building their “channel”. And people did. In less than a year, YouTube was serving 100 million videos online per day, and was accounting for 60% of all internet traffic.
Remember that intersection of opportunity I mentioned earlier? YouTube found it.
Much like television was made for people, but largely paid for by advertising, the internet was beginning to emerge as an ad-defined space as well. Banner ads and spam emails were nothing new in 2006, but truly innovative brands were looking for new ways to connect with users in a way that didn’t annoy them, but got them excited. A medium that was drawing people in every day to watch content was still an open playing field.
Nike saw an opportunity in 2005, and uploaded a three minute clip of soccer star Ronaldinho quietly trying on some new cleats, and showing off his incredible shooting accuracy (watch for it at 1:40!):

It’s grainy, shaky, and has no background music or other editing. But it was the first video to break 1 million views on YouTube the first time it was uploaded, and it ushered in the concept of viral videos on YouTube. Brands had taken notice of this new anything-goes online video platform, and Nike could proudly wave the flag that they had been the first to find real success with it. Connecting with users had gone from a television battleground to an online one.
In 2006, after breaking nearly every possible milestone in online video (and setting up a few new ones for others to break along the way) YouTube was acquired by Google for a whopping $1.65 billion. The partnership only fuelled YouTube’s growth, adding advertising features to generate revenue, and bringing so much attention to the platform that in 2008 some experts feared YouTube would collapse the entire internet infrastructure by simply being too big for it to handle.
By the end of 2006, YouTube was part of a larger collection of online applications that focused on user-generated content, and community building. MySpace, Wikipedia, YouTube, and a host of other collaborative sites led to Time Magazine publishing the controversial Person of the Year as simply “You”, representing the people who used these tools every day to redefine the web. YouTube’s role in this was center-stage, as the cover featured a monitor showing a mirror, with the conspicuous scrubber bar on the bottom of the popular online video platform:

2007 saw Facebook, at the time a powerfully emerging social network, begin to include video as an uploadable media type to compete with YouTube. Few could predict how powerful Facebook would turn out to be, and how much this pivotal moment would affect its future success.
As with any medium, YouTube celebrities also began to emerge, with the popular Fred being the first channel to reach 1 million subscribers in 2009. For the sake of your eardrums, I will refrain from posting any of Fred’s clips as part of this article, but I will remind you that the internet is sometimes as inexplicable as it is incredible.
Streaming Video is the New NormWhile YouTube was busy collecting user generated content (and deleting slyly uploaded copyrighted material) another startup had been brewing since 1997, and would shake up online video just as much in a short time.
Started in 1997 as a way of renting DVDs by mail, Netflix launched its streaming media service in 2007, less than a year after YouTube was acquired by Google. While YouTube had worked with publishers to show some copyrighted material online through a pay-per-view model, Netflix built its model on offering big budget movies on-demand for a monthly fee. By 2013, less than 6 years later, Netflix would add television shows to its roster of streaming media, and would become the biggest source of downstream traffic on the internet, taking in a whopping 32.3%. With House of Cards debuting the same year, Netflix again broke records by launching its own high-budget programming to compete with the very network TV providers it had long used as its main source of content.
YouTube and Netflix showed the power of small companies to change the way we consume media, but big corporations weren’t entirely in the stone-age either. Hulu launched in 2007 as a television-focused competitor to Netflix’s streaming service, and led by a consortium of companies, including Disney, Fox, and Comcast. While it launched after Netflix, it remains a popular competitor to this day.
Much like Nike was the first company to truly take advantage of YouTube as a marketing channel, other large companies began to see the power of online video, and a new challenge to network television was emerging. Long thought of as the ‘holy grail’ of commercial marketing, the Super Bowl was taken by storm in 2011, as Volkswagen posted their now-famous “The Force” commercial to YouTube four days before the big game:

By Super Bowl Sunday, the ad had received over 8 million views, and would go on to become one of the most shared Super Bowl commercials of all time. While these online views can’t match the number of eyes on the ad during the Super Bowl broadcast, it showed brands that spending money creating ads for the Super Bowl could have the added bonus of making your company an internet superstar. Within a few years, nearly every brand was taking advantage of this, especially Budweiser.
The early 2010s would prove to be pivotal in the rise of streaming video, as bandwidth continued to improve, and live video became far more accessible. YouTube launched live streaming in 2011, and even the International Olympics Committee, an organization steeped in the revenue it receives selling broadcast rights to its events, chose to live stream portions of the Olympics from London in 2012. Brands like Apple and Salesforce began live streaming their event keynotes in 2013, opening up the door for countless online viewers to experience up-to-the-minute news from their favorite brands live, and share in the experience.
Live streaming, and streaming video was here to stay. So where do we go from here?
The Future Will Not Be Televised, But It Will Be AdvertisedThe rise in online video has been meteoric within the last decade, but few realize the costs of hosting and delivering all of this video. Consumer internet may be relatively inexpensive depending on where you live, but for brands hosting and serving millions of videos — like YouTube and Facebook — bandwidth costs are definitely a concern. Much like cable television was supported by commercials and sponsored broadcasts, online video has slowly become one of the most powerful, and lucrative advertising tools.
Facebook launched video ads in 2014, and America watched over 20 billion video ads in 2013 alone. Brands began to move commercial content from television to the web, and content like Dove’s Real Beauty Sketches and Geico’s Hump Day ads were viral sensations in the years they were published. Some brands have eschewed even creating their own content, looking to users for inspiration. GoPro’s video of a fireman saving a kitten has been viewed millions of times, and much like most of their YouTube content, was not originally produced by their team.

Even presidents began to take advantage of the popularity of online video, with Obama appearing on the popular Zach Galifianakis web series Between Two Ferns to promote The site saw a huge increase in traffic as a result of his appearance, and was lauded as a successful way of communicating a controversial — but potentially life-saving — topic to a younger audience.
The early 2010s also saw the dawn of what many consider to be the real future of online video: mobile.
Vine, launched by Twitter in 2013, quickly became a widely popular video-only social network. Popular picture-only social network Instagram added video only a few months later. Brands immediately leapt on this opportunity to show short-form video content to their audiences, and even older brands like GE leapt on the trend, launching their Vine account a mere one day after the network was started.
By now, it had been less than a decade since Nike took home the trophy as the first video to reach a million views on YouTube and online video was no longer a fun niche market for brands big and small; it was a must-have.
The Sky is the LimitSo what is the future of online video? For one, it’s volume. Mark Zuckerberg, whose company, Facebook, went from being a small dorm-room project to the largest social network in history, predicts that video will look like as big of a shift in the way we communicate as mobile has been. And, as I mentioned earlier, Cisco is already predicting that by 2020, at least 80% of internet traffic will be video.
100 million hours of video are watched on Facebook every day. That’s 11,415 days of video content. So, if everyone is doing it, how do brands stand out?
First, brands are embracing new technologies as fast as engineers can create them. In 2015, YouTube launched 360 video, and Facebook followed suit. Brands as big as National Geographic, and as small as college football teams are using 360 video to give viewers an immersive experience with their content. Whether you’re helicoptering over a volcano, or running onto the field with Stanford at the Rose Bowl, the experience is unlike anything we’ve seen before in online video.

As people begin to expect video content from brands, innovative companies are also adding interactivity to their videos. Honda took a chance in promoting their Civic R with The Other Side, allowing viewers to flip back and forth between the family friendly version of their car, and the darker, more mysterious story that lurked beneath.
As video has matured as a marketing asset, many marketers are also looking to take video off YouTube and start seeing real results with it. Video platforms (like Vidyard – selfish plug) have emerged to help brands complement their YouTube strategy with more in-depth viewer analytics and lead generation elements. While there is always a place for branded content on YouTube, businesses that want more from their video – and to have more control over what plays before and after it – are increasingly moving content to their own websites, and keeping it there.
Personalization has also become the cornerstone of modern marketing, and brands are following suit with their video content. A recent personalized video campaign from Lenovo saw an almost 5x increase in clicks compared to their usual campaigns. And that was to a list of dead leads. If seeing their first and last name in a video is enough to drive prospects to click through and engage, I suspect we’ll see far more companies using this technology to stand out.
At the end of the day, online video is quickly replacing network television as one of the biggest sources of media attention. Streaming services like Netflix, user generated content sites like YouTube, and social networks like Facebook are making video accessible, searchable, and using complex algorithms to supply viewers with the exact content they know they will enjoy. Whether we spend the rest of our lives glued to a screen remains to be seen, but one thing is for certain: brands know how much time we spend watching content, and smart ones are taking advantage of online video as it grows.
Now, after all of this, I still don’t have a good way of knowing whether or not the coffee pot in our own kitchen is empty most of the time, but perhaps I can look at one of the latest innovations — inexpensive, video-enabled drones that I can control with my phone — to solve that.
After all, when it comes to online video, the sky truly is the limit.
The post A Shortish History of Online Video appeared first on Vidyard.
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The next time you open your credit card statement, take a closer look at the small insert titled "changes to your credit card agreement". You know the one I'm speaking about. It's that small, folded paper written in legalese that you promise to read some other time (but of course that time never comes) or you just discard it with the other "junk" inserts.

First and foremost you must understand that using your credit card after you've received this notification results in your automatic "agreement" to
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the new terms in the notice. To prevent these new terms from affecting your account you must stop using that credit card immediately or by the date given in the notification statement.

The most common modifications to credit card agreements include new APR's (annual percentage rates), new fees and/or changes to existing fees, or a change to the grace period on your account. The grace period is the number of days during which any credit used for purchases may be repaid in full without incurring a finance charge.

Not knowing or not keeping track of the dollar amount limit on your card is another trap you should avoid. Credit card issuers will allow you to charge a small amount over the limit set on your account. However, don't be surprised when you get hit with an "over limit fee", usually around $35.00 or higher, on your next statement. Also, be prepared for your APR to be increased if you go over your credit limit.

You'll also trigger an increase to your interest rate if you miss your payment due date. Some companies consider your payment late if not received by noon or 1 p.m. on the date due. Along with the higher rate, you'll also pay a "late fee" of $29 on up. Be sure to use the company's preprinted envelope when sending your payment. These envelopes allow the pre-printed bar code to be scanned by the post office so that it can be delivered more efficiently.

If you've counted on those few extra days from the time you mail your check and the time the check clears your bank, beware! Many credit card issuers have switched from the traditional method of processing checks to a new electronic process. This new system shaves off a day or more from the traditional method it normally takes for your check to clear by electronically debiting your account.

If you're considering paying your credit card bills online, check to see if any additional fees will be charged for using this type of payment. I recently received an e-mail message from one of my credit card companies announcing how easy it would be to make my payments online. Included in fine print at the bottom of the e-mail was this note - "A fee of up to $14.95 may be charged for this service and will be deducted from your checking account". Hmmm, spend 37 cents on postage and mail my payment five days before the due date or pay now and get charged an additional $14.95 fee, I'll bet you can guess which choice I made.

Taking the time to carefully read and understand your credit card agreement now will help you save money by avoiding unnecessary fees or climbing interest rates later down the road.
This is the day that I learned everything from the hit 1990 movie Home Alone is a lie.Read more:
Save $1.50 on a gallon of DairyPure Milk at Walmart! We rarely see savings on milk, and especially double savings, so now’s the time to take advantage of this opportunity.

Stack a coupon from the 9/30 Smart Source newspaper coupon with a newly released Ibotta rebate offer. Hurry–the rebate offer expires in five days.

Prices for milk vary significantly throughout the country. We’ve seen prices from $1.97 to $4.97 for a gallon. Also, not all Walmart stores carry this brand. Check the Walmart app or visit t
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he refrigerated dairy section at your local store.

Buy 1 DairyPure Milk, 1 gal $3.47, regular price

Use one $0.75/1 – DairyPure Gallon Milk from SS 9/30

And submit one $0.75/1 – DairyPure Milk, 1 gal, via rebate app (

Pay $2.72, submit for $0.75 Ibotta credit

Final Price: $1.97

50% Off Gift Sets at Walmart!
The post Rare Savings! DairyPure Milk, Only $1.97 at Walmart! appeared first on The Krazy Coupon Lady.

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