Credit cards have made transactions incredibly convenient, as users can choose to pay later for any purchase. Such flexibility ensures that one’s purchasing power does not depend on one’s bank balance. Today, several credit card companies offer attractive benefits on purchases, including cashback and reward points, and have emerged as highly lucrative for users. However, one needs to exercise some caution while using credit cards. So, here are some credit-card habits to avoid: Applying for many cards at once Users often have multiple credit cards to split large expenses so that there is sufficient credit available for each card. However, applying for multiple credit cards successively can trigger multiple inquiries, which can negatively impact the credit card holder. So, it is best to avoid applying for multiple credit cards simultaneously. Not making timely payments Delaying credit card payments repeatedly can affect one’s credit score, which can cause problems with securing loans. In most cases, banks either reject loans or charge high-interest rates for those with poor credit scores. Many employers also reject candidates with a negative credit report. Paying credit card bills on time can help improve one’s credit score. Frequently paying through EMIs Equated monthly installments (EMI) allow users to repay credit card debts flexibly in parts over a specific time frame.

There is nothing like eating a perfectly charred piece of meat or vegetable after searing it just right on an open fire or an outdoor grill. Unfortunately, cooking outdoors is no easy task, and it is very easy to cause accidents or burn the food one is cooking. And no one likes to eat burned food, no matter how hungry they are. So, on that note, here are a few outdoor cooking mistakes to avoid. 1. Cooking on stainless steel surfaces Stainless steel is widely used to cook meals in kitchens. However, it is not weatherproof, which means that it can easily start to rust when exposed to moisture, wind, and other external elements. To avoid this problem, one can use HDPE kitchen cabinets and surfaces. HDPE is a durable material that is extensively used for outdoor cooking. It is resistant to harsh temperature changes and doesn’t rust easily, making it an excellent material for utensils to be used for campfires and other outdoor cooking appliances. 2. Burning food Cooking over an open fire is incredibly difficult, as it is not easy to regulate the heat, especially if one is doing it for the first time. Getting the temperature just right is essential to not getting the food burned.

Buying an SUV is a whole different experience. It is not just about getting a vehicle to travel from one place to another. SUV enthusiasts look for options that offer comfort in daily city driving while being rugged enough to take on adventurous terrain. One renowned brand in this segment is Jeep, which curates impressive compact and full-size SUVs of high quality. Below are some of the best Jeep cars to consider buying. Jeep Grand Cherokee Despite being a rugged SUV, the Grand Cherokee is one of Jeep’s luxurious options. The base variant is a standard two-row mid-size SUV powered by a V-6 engine that can churn out about 293 hp. The Jeep Grand Cherokee is available at a starting price of $36,000, for which one could get infotainment features like an 8.4-inch touchscreen and a standard six-speaker stereo. The car is also ideal for those who want to haul loads such as trailers or boats. Jeep Wrangler The Wrangler starts at $32,000, which is admirable compared to other vehicles in the segment. Under the hood on the base trim, one could get a 285-hp 3.6-liter V-6 engine paired with a six-speed manual gearbox. Moreover, one could opt for the eight-speed automatic transmission.

Scamming is a common concern today, with many people losing hard-earned money to online hacking, fraud, and phishing. Over 2 million frauds are reported in the country each year. What started off with seemingly harmless spam messages has evolved into phishing emails and malware activity. Further, fraudsters can pose as banks and other financial institutions to get one to divulge confidential information. So, here are a few banking scams to know: 1. Credit card scams Here, one may receive calls from someone claiming to be a representative of their respective card company. They might share a link to let one update their profile or application or even upgrade their credit card. One might even receive calls saying the card issuer is checking for possible fraudulent activity in their account. This is a believable claim, so one should verify the caller’s details, seek official communication from the caller over mail to check credentials, and avoid clicking on any links till then. If one suspects wrongdoing, they should block the phone number of the caller and call the official bank helpline number to verify the details. 2. Check overpayment scams This is a common way of scamming those who participate in online auctions.

While the Internet is great for completing translations in record time, watching entertaining content on the go, and doing work online, it is also an easy space for scammers to dupe innocent people. The Internet is fraught with scammers and fraudsters who manipulate individuals to steal their identities and money. The article talks about a few money-making scams that one should know about and how to identify them in case one receives messages from scammers. Here are four such scams to watch out for: 1. Pyramid schemes The idea of a pyramid scheme is for one to participate in a program where an individual is promised unrealistic returns on investments that don’t exist. The initial investors make quite a bit of money and end up recruiting new people and selling investment products to others. The plan primarily relies on money from recruitment fees and not the number of products or services sold. Most pyramid schemes present themselves as multi-level marketing operations; however, legitimate multi-level marketing operations gain profits from selling goods and services to customers, which is not the case with pyramid schemes. 2. Job opportunity scams This is a major scam where an unsuspecting individual receives an unverified email offering a job, which is usually not in their area of expertise.

A substantial portion of the population today prefers digital payments over any other option. And among the top choices are credit cards. However, digital payments make it all the more important to be careful. A lot of things can slip through the cracks when people do not pay attention to their card usage and spending habits. It is important to break these habits before the credit card bills pile up. Making partial payments Many credit card users have the habit of making partial payments when their bills are generated. Although this is perfectly acceptable with the credit card issuer, the practice can impact the user’s credit score. The interest also adds to the total amount payable during the next cycle. If not paid in full, some credit card bills can take years to clear. Foregoing statement checks It is important that users check their credit card bills regularly. A thorough inspection can guarantee that there are no additional or unnecessary costs. People who do not habitually check their bills might end up paying for expenses that were not made in the first place. It can cause discrepancies and fraudulent activities to go undetected. Paying late Making late credit card payments is another habit that benefits no one.

Shopping addiction is a compulsive behavioral condition marked by an overwhelming desire to buy things. It is also known as oniomania, which can have a considerable impact on one’s finances, ultimately causing emotional distress. There are ways one can cope with shopping addiction, from therapy to financial counseling. Still, before one can find help, one needs to understand the signs of a shopping addict and how they differ from a shopper who enjoys occasional retail therapy. Signs of shopping addiction Emotional reactions to the activity Frequently, compulsive individuals with unhealthy shopping tendencies experience nearly extreme emotions while engaging in this particular activity. For example, they may go on a shopping spree to beat the feelings of depression, anxiety, or stress, usually making more impulsive purchases. After buying the items, they experience relief or euphoria, which is soon followed by deep regret or shame. Eventually, these emotions cause problems with their relationships and finances. Inability to let go Shopping addicts are unable to treat the activity as a casual outing or stress buster. They find it difficult to roam around a mall or a shopping center for leisure and get consumed by the thoughts of shopping and money. They also find it challenging to let go of the constant urge to make purchases, which can even worsen anxiety or compulsiveness.

The 2024 Ram 1500 Limited is one of the most popular full-size pickup trucks one can find today. The pickup is the perfect blend of luxury and performance because of its powerful engine, stellar design, and modern features. Nevertheless, it is important to know what makes the truck stand out from other pickups in the segment before making a purchase decision. So, here are some of the key features of the RAM 1500 Limited: 1. Good performance The 2024 RAM Limited 1500 comes with a 5.7-liter HEMI V-8, which is capable of generating about 395 horsepower and about 410 lb-ft of torque. Moreover, an eTorque system adds up to 130 lb-ft of supplemental launch torque. 2. Top-notch infotainment The pickup comes with a 12-inch touchscreen to display music information and climate controls. It also offers AM/FM radio and navigation via TomTom—a system that delivers accurate ETAs and instant reroutes based on real-time traffic. One also has the option of adding a head-up display to the 2024 RAM 1500 Limited. 3. Smooth ride The vehicle comes with a four-corner air suspension with an automatic load-leveling feature. The system ensures the 2024 RAM 1500 Limited is balanced and maintains optimal ride height levels on most terrains.