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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Eco-Friendly alternatives you can use

Our planet is dying at a rate faster than once predicted. Given this sobering fact, it is now more imperative than ever for people all over the globe to change their behaviour and adopt more environmentally friendly practices. There are a number of alternatives that can be used in an effort to help the environment.

Reusable Napkins

One of the worst single use items to the environment are paper napkins. Unable to be recycled especially when they have been soiled with waste, napkins can cause a lot of unwanted trash. However, there is an easy solution to this. Opt for reusable organic cotton napkins. They can be used over and over again with proper care and washing. This eliminates the amount of waste in landfills.

Online Scratch Cards

Scratch cards were first introduced in the 70’s and since then have become popular as a form of gambling. These traditional paper cards need a coin or a key to scratch off the foil to reveal whether or not the card is a winner. Like many other items that have traditionally been made of paper, these have also been revamped to be more environmentally friendly. Scratch cards can now be purchased at online casinos in an electronic format. To reveal the hidden symbols, a mouse is used.

Baby Food Pouches

Purchasing baby food in convenient single serving containers has always been practical for busy moms. Today, given the amount of waste this practice produces, moms are questioning the logic of this considering its effects on the planet. As an alternative to traditional containers, reusable baby food pouches are becoming popular. They are easy to use and are safe for use in both the freezer and dishwasher.

Now is the time for consumers to be even more conscious of the footprint they are leaving. While these are just three ways of reducing this impact, there are even more ways in which consumers can be environmentally friendly.

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Ethical Mutual Funds – A Better Way to Invest?

The following is a condensed, less academic excerpt of a paper I recently wrote for my final graduate course. It also represents the completion of Task #3 on my 9-Week Productivity Challenge and the beginning of a series of posts here on Earth and Money related the social and environmental impacts of our investments. The series began unofficially two weeks ago with a look at an emerging type of investment vehicle, community bonds, and last week, introduced how we might be funding our own demise, and what corporate social responsibility represents.

In 1992, Michael Jantzi founded Jantzi Research Inc., an investment research firm created to monitor the social, environmental and governance performance of publicly traded Canadian companies. Jantzi used a best-of-sector approach to rank companies relative to each other and to industry best practices. The fundamental problem with such an approach is that a company only has to be better than their peers in order to achieve a high ranking. This can result in a company that is not by most definitions “socially responsible” being labelled as such only because their peers are even less socially responsible than they are.

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