Types of Credit Cards

Every household has credit cards, and just like most things there are many types available to meet your family’s needs. People may need credit cards to cover high expenses such as donations they don’t have the liquid funds for or people may just want to use credit cards for its rewards and benefits available. Either way there are many websites available for you to shop around explore the options available to you. Below is a quick outline of the different types that can help you begin your research.

Cash Back

Cash back credit cards are a type of credit card where they offer a benefit of a percentage of money spent on the card will be paid back to the consumer. This type of credit card is most beneficial to consumers who can pay their card off right away. A card like BMO CashBack credit card review can help you earn money while spending money. What a great benefit.

Balance Transfers

There is a type of credit card that allows you to transfer your balance from another credit, this is called a balance transfer. Sometimes people find themselves with a high balance on their credit card and are paying high interest. They can transfer their balance to a different card that may offer better rates or rewards. Some credit card companies offer zero interest on balance transfers for a period of time. This is helpful to people and can help them chip away at their outstanding balance.


If you and your family like to travel, there are many cards out there that offer amazing rewards for travel. By spending money you can earn rewards points towards things like hotels, flights, etc. The more you spend on your credit card the more you may be able to get a free vacation. This is a very good type of card for those that pay off their cards each month. If you have the money to spend anyways why not earn free vacations?

Low Interest

One item that hits everyone hard with credit cards are interest rates. Most companies will charge you an arm and a leg to carry a balance. If you are expecting to have a high outstanding balance it is best to research companies that offer a low interest rate, otherwise you are spending money on top of what you already owe just on interest.


Just like the travel rewards, many people use credit cards purely for the rewards and benefits they offer. Rewards can be store specific or general (money towards gas, food, etc.). These rewards can be very helpful towards fun entertainment or everyday expenses. If you have the money why not use your credit card, earn rewards, and just pay it off right away.

All of these are examples of the credit card options available to you. Do your research and find out which is best for you and your family.

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Ways to be Charitable

With all that is going on in the world a lot of people are looking for ways to give back and be charitable. Who doesn’t want to be a good person and pay it forward when they can? Sometimes you don’t have the money to throw at organizations but there are other ways you can be charitable and be helpful to others who may not be as fortunate as you.

Attend Events

There are always events going on either in your community or nationally that are fundraisers for charities. Just by going to the event you are raising awareness and helping the cause. Typically tickets are sold to attend the event and those funds go towards the cause.

Donate Goods

If you have anything around your house that you don’t use or need you can donate them to those in need. Anything from unused baby diapers, baby toys, clothes, books, towels, etc. can all have a helpful use at different charities who collect those items. Go through your house and collect unwanted items and find charities that match those needs.

Donate Money

The obvious way to be charitable is to donate money directly to the cause. Every little bit can go a long way to most charities and if everyone just gave the little extra they have then it will add up to something big. There is also the option for a credit card that donates to charity. You spend money on the card and a portion is donated to your charity.


If you can’t attend an event than you can sponsor an event. Many families and businesses help local charities by sponsoring events that raise awareness to special causes. By being a sponsor you are giving money to the group in order for them to make the event happen.

Donate profits

If you own a business you can donate a percentage of your profits to your favorite cause. You can advertise you are doing this and people will know they are helping out just by buying from you or using your service.

Make a good or product to be sold

If you have a talent of making a tangible goods than it is possible to start making them to be sold to raise funds for your favorite charity. Clothes, foods, jewelry are examples of items that you can make in your home and sell to your family and friends to make money. Even kids can be charitable by doing things like a lemonade stand to generate money for their cause.

So if there is a group that you want to donate to or help than there are many ways to do so. Don’t feel helpless in these trying times.

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What is renewable energy and where does it come from?

In a time of global power reconstruction, the future of energy generation is extremely uncertain. Fossil fuels have already been given their last rites and far too much reliance has already been placed on uranium stores. Our hope as a planet is to invest more time and effort into generating gas and electricity through renewable means, which has been done in recent years to a degree. Using a number of methods, countries worldwide have set green targets that they are required to hit in order to protect the environmental integrity of their nations. In this article you’ll find the most popular forms of renewable energy and how they are being used in the United Kingdom today.

Wind Energy

Wind energy is the number one form of renewable electricity in the UK. It currently makes up around 9.5% of all electricity generated. Without a doubt you will have seen the giant fan-type-turbines that are now peppered around our landscape, but however you feel about their aesthetic appearance, they are a vital part of 21th century Britain. Wind turbines use naturally occurring winds to turn their generators and convert kinetic energy into useable electricity.

As a nation, the United Kingdom is a perfect match for wind energy. There are a number of spots dotted around the country that are absolutely perfect for optimal wind performance, which is part of the reason why wind is our number one source for renewable electricity. Although this is the case here, it is not in other countries around the world. Certain countries are definitely more suited to specific renewable types, and in areas around the world that aren’t ‘blessed’ with high wind levels, wind energy just isn’t viable.

The average 2 – 3 MW commercial wind turbine costs around £3.1 million to construct and erect, which not only means that this kind of energy generation can only be undertaken by those countries with strong economical backing, but it can also be an offputting idea for profit margins considering how much more cheaply electricity can be generated through unsustainable sources.

Solar Energy

Likely the second thing you think of when asked about renewable energy, solar panels contribute a surprisingly low figure to the UK’s energy mix. This minute contribution, however, does not include the sheer amount of individual households that are using their own initiative to harness the power of solar panels, eliminating their electricity bills and doing their bit for the environment. Solar panels work by converting the sun’s rays into usable electricity. At any one time, the earth receives around 173,000 terawatts of energy from the sun, which is 10,000 times more than the entire world uses. Of course, we don’t even harness a single percent of this potential. If we were to just harness 0.01% of this, we would be able to power the entire world on solar.

Having a solar panel system on your home can be quite costly to begin with; however, the benefits thereafter are 100% worth it. For the average home, a 4 kW system is enough to cover all electrical usage. You would, in addition need a solar battery to store extra electricity for times of low light, which would result in an additional cost. So, for this whole setup, you’d be looking at around £9000, which would take around 18 years to see a ROI on.

100% renewable energy tariffs

Moving on to what you can do yourself. Although we haven’t spoken about hydropower, geothermal or any of the other renewable energy types, we think it would be perhaps more beneficial to state what you can do to make a difference.

As mentioned above, energy companies are now being placed under the microscope as renewable targets are demanded from the various worldwide environmental organisations. As such, many have decided to offer green tariffs that’s supplies are generated wholly from renewable sources. Some suppliers, such as ‘SmartestEnergy’, have even given customers the option to choose exactly which source they would like their energy to come from.

This may sound like an absolutely fantastic breakthrough for renewable energy, which it is, but there is one slight caveat: when you sign up for a green energy tariff, you don’t physically receive a new electricity supply. Your electricity is still coming from the same distribution network that is not operated by your supplier. What changes is the electricity that is put into the grid. Instead of you, essentially, ordering 3,000 kWh of electricity from fossil fuel generation each year, you are order that amount from renewables, which will then be pumped into the grid to be distributed accordingly.

Many of the big six companies are still yet to provide a 100% renewable energy tariff. This is perhaps because they are focusing more on their overall energy mix, which is going in the right direction. The key thing, though, is to not be off-put by the smaller names. Each supply is exactly the same; the only thing that changes is the name on your bill and the price, which is generally cheaper coming from the independent companies.

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