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These 5 money-saving details about your credit card are unforgettable.

These fine-print tips could help you better understand what you're signing up for.

When a shiny new credit card shows up in the mail, what's the first thing you do?

If you’re like most people, you activate it, peel off that sticker, and load it into your wallet like artillery in a spending cannon.

Welcome to adulthood! Image by Sean MacEntee/Flickr.

But what about all that other stuff that comes along with the card? Petite as they are, credit cards usually arrive in thick envelopes, jam-packed with all the information issuers have to disclose by law.

That, my friends, is your credit card agreement, and every time you swipe that cut of beveled plastic, you’re giving two thumbs up to everything therein.

During my first few years out of college, I had no idea what terms like "overdraft protection" or "cash advance" meant.

I paid plenty of fees as a result, some of which I got refunded by calling and asking nicely. But if I’d read and understood my credit card agreement, it would have saved me hours of frustration.

Recently the CARD Act outlawed a few of the worst practices that some credit card issuers use (things like "universal default" and "double-cycle billing"). But no matter what, you do need to know the nitty-gritty details of credit cards before you start swiping. Here are five areas of your credit card agreement that could throw you for a loop if you’re caught unaware.

1. Cash advances

First, you should definitely check out the Schumer box on your credit card agreement, which outlines stuff like annual percentage rate (APR), grace period, and annual fees (if applicable). That’s a good place to start. (If you're like me and you’ve already tossed your credit card agreement, you also can pull up a copy online, either on the Consumer Financial Protection Bureau’s credit card agreement database or on your card issuer’s website.)

Photo by _Dinkel_/Flickr

But here’s something I found out after I’d had a credit card for a while: Many issuers charge a transaction fee for cash advances on a credit card, plus interest that starts immediately, not after a grace period. "Even if you did read all the fine print, that’s something you might not understand,” says Beverly Harzog, credit expert and author of "The Debt Escape Plan: How to Free Yourself from Credit Card Balances, Boost Your Credit Score, and Live Debt-Free."

Unfortunately, it’s easy to take a cash advance without even realizing it. For instance, if you overpay your bill and transfer the extra money back to your bank account (as I once did) or you mistakenly use your credit card instead of a debit card at an ATM.

2. Late payments

Grace periods can vary from card to card and not every card has one. Paying your bill late not only damages your credit score, but if you pay more than 60 days late, it could trigger a higher penalty APR. “You could end up with that penalty rate retroactively against your whole balance,” Harzog says.

Plus, your issuer could revoke any rewards you’ve earned (buh-bye, Bermuda trip!). "If you do make a late payment, call the issuer right away and let them know what happened," Harzog says. "If you’ve got a good payment history, they might not do anything to your rewards."

3. Fees on top of fees

You probably know you’ll be charged interest on any unpaid balances. But what about things like balance transfers, foreign transactions, and overdraft protection? Alas, you don’t even have to leave your home country to get hit with a foreign transaction fee, I’ve learned. If you’re ordering online from a company that uses a foreign bank, the fee may still apply and it typically adds 1-3% to your transaction.

Photo by wsssst/Flickr.

With a prepaid or secured credit card, your issuer may also charge you a monthly fee and other fees that you may not expect unless you read the agreement closely. Knowledge is power, people!

4. Mandatory arbitration

If something goes wrong, you can always take them to court, right? Power to the people! But not so fast ... some credit card agreements actually strip you of this right, so if something goes wrong, you can’t sue them in court. Instead, a third-party arbiter would rule on your dispute and their decision would be binding.

In some cases, you even have to pay filing fees if you initiate the claim. Total lame sauce!

5. Terms are subject to change

Now that you’ve untangled the terms of your credit card agreement, here’s the kicker: Almost everything is subject to change. That’s right: card issuers can devalue your rewards, increase your APR (although usually not in the first year you have the card), or remove perks like warranty coverage or travel accident insurance.

For most changes, they must notify you in writing, so don’t toss any communications from your credit card issuer before reading it thoroughly. If you have a card with a low introductory APR, the card issuer doesn’t have to notify you when the introductory period ends and a higher APR kicks in automatically.

The bottom line: Read your credit card terms carefully, no matter how boring they are.

That's true adulting. “If you don’t understand something, call the company and ask,” Harzog says. “If the customer rep doesn’t understand, ask to speak to their manager.”

It's better to spend a few minutes familiarizing yourself with the agreement and to walk away armed with knowledge than find out the hard way about late payment fees or penalty APRs. Take it from someone who's been there.

Teachers

Florida teacher fired for giving zeros to students who didn't turn in assignments

The lowest grade that teachers are allowed to give students is a 50.

Diane Tirado/Facebook

Left: Teacher Diane Tirado. Right: The note she left for students after being fired.

If you're of the mind that kids today are being coddled and not properly prepared for the real world, well, you might want to buckle up for this one. The story out of a public school in Florida has parents and teachers alike up in arms.

A Florida teacher was fired for giving her students zeros for missing assignments. Diane Tirado has been a teacher for years. Most recently, she was an eighth-grade history teacher at Westgate K-8 School in Port St. Lucie, Florida. Diane recently gave her students two weeks to complete an Explorer notebook project, but several students simply didn't hand it in. Since there was zero work done, Diane gave them zeros.

She got fired for it.

schools, teachers, education, grades, students, parentsMichael Scott from The Office saying "What?"Giphy

The elementary school has a rule called the “no zero policy."

The lowest possible grade that teachers can give students is a 50, even if they don't turn anything in. That means that an extremely poor completed assignment is worth the same number of points as no assignment at all.

Hardly seems fair, right? Westgate is far from the only school that has such a policy, however.

whiteboard, education, classroom, teacher, middle school, 8th grade A message written on the whiteboard for her students after Diane Tirado was firedDiane Tirado/Facebook

It's a rule that Diane, unsurprisingly, does not agree with. After she was fired for disobeying, she left her students a charming goodbye message on the whiteboard.

"Bye kids. Mrs. Tirado loves you and wishes you the best in life. I have been fired for refusing to give you a 50 percent for not handing anything in. Love, Mrs. Tirado"

The scale, as outlined by the school, reads as follows:

A = 90 to 100
B = 80 to 89
C = 70-79
D = 60-69
F = 50-59

Diane later shared the story on Facebook, hoping to spread awareness about the school's policy.

“A grade in Mrs. Tirado's class is earned," she said.

“I'm so upset because we have a nation of kids that are expecting to get paid and live their life just for showing up and it's not real."

Diane's post has gone viral, and most commenters agree with her position – it's not fair to hand out grades for work that doesn't exist.

No zero policies are common in many schools, and teachers notoriouslyhate them. But it's at least worth considering why they exist. Some educators say it's because when a student earns a zero, it's very difficult for them to ever recover their grade in that class. In other words, it may be too harsh. Others argue that, if you don't want a zero, don't turn in nothing! Getting an earned-zero is a great way to learn to at least try.

A follow up statement from the school stated: "Ms. Tirado was released from her duties as an instructor because her performance was deemed sub-standard and her interactions with students, staff, and parents lacked professionalism and created a toxic culture on the school’s campus. ... During her brief time of employment at West Gate, the school fielded numerous student and parent complaints as well as concerns from colleagues. Based on new information shared with school administrators, an investigation of possible physical abuse is underway."

However, school representatives did not deny the existence of the no zero policy, and Tirado claims the school engaged in a smear campaign after she became a "whistleblower" on their policies. She's currently considering legal action against the district.

Still, the debate over the grading policy rages on.

“The reason I took on this fight was because it was ridiculous. Teaching should not be this hard," Diane said.

This article originally appeared 6 years ago.

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Modern Families

Richard Dreyfuss shares intimate photos from moment he realized his son has a congenital disorder

"As these pictures show, we slowly realized there was a problem with our son."

Images via Wikicommons and Twitter

Richard Dreyfuss and his son Ben Dreyfuss

Actor Richard Dreyfuss (star of “Jaws” and “Close Encounters of the Third Kind”) shared intimate photos of the birth of his son Ben that showed the shock and confusion parents experience when realizing their newborn has a birth abnormality.

On June 14, 1986, Dreyfuss and his wife Jeramie Rain had their second child and they could tell something was wrong shortly after his delivery. “Your eyes are not the same,” Ben would later write about his birth. “One is blue, the other is grey. One is hiding under a partially opened eye-lid; the other is extending far beyond it, like a potato exploding out of an egg cup.”

It was the “most traumatic and emotional moment of my life,” Richard wrote on Twitter. “My wife Jeramie gave birth to our second amazing child. And, as these pictures show, we slowly realized there was a problem with our son.”




The actor’s photos are touching because they show the parents experiencing the incredible beauty of the birth while struggling to make sense of the unexpected.

“I held him and promised him that I would do everything I could [to] save him. That I would love him no matter what,” the “Mr. Holland’s Opus” star wrote.

Ben would later be diagnosed with Peters anomaly, a rare genetic condition that causes a clouding of the cornea and eye-structure abnormalities. Over the first year of Ben’s life, he would have multiple eye operations and would eventually lose all sight in his left eye.

Richard Dreyfuss, Ben Dreyfuss, parenting, family, illness, fatherhood, peters anomaly Richard Dreyfuss and his son Ben DreyfussImages via Wikicommons and Twitter

He explained what life’s like with one eye in a blog post his father shared at the end of his tweet thread. It’s a raw open letter to himself that details how his struggles with being different evolved as he developed.

It’s a revealing glimpse into the interior monologue of someone who knows he’s being stared at but everyone is too polite to bring it up.

“Eventually you come around to the idea that much more noticeable than the eye itself is your reaction to it,” he writes. “You couldn’t make eye contact with anyone for decades. Upon this realization, you decided to make piercing eye contact with everyone.”

Ben is a journalist who was in charge of audience development at Mother Jones for eight years. He has a popular Substack blog called “Good Faith” where he discusses the intersection of politics and social media from the unique perspective of a liberal with no problem pointing out progressive excesses.

Richard Dreyfuss’ photos of his son’s birth show that all the fame and acclaim in the world can be quickly dispatched when we see that there is something wrong with a child. But on a deeper level, they are an intimate look at the faces of parents whose lives have been upended in a moment they expected would be wholly joyous.

It’s a moment that many parents have unfortunately had to weather and hopefully, the photos will give them comfort knowing that the despair will soon be overcome by love.

This article originally appeared two years ago.

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Pets

Four guys asked their new neighbor if they could walk her dog. Then the dog wrote back.

"If you ever get bored, we are more than happy to look after him/her."

via Stevieticks / Instagram

A black dog and a note form "the boys from number 23."

If you've lived your whole life with a dog, a home has to feel pretty empty without one. Your heart has to feel like there's something missing as well. When Jack McCrossan, originally from Scotland, moved to Bristol, England with his three friends, they were bummed out to learn that their landlord didn't allow dogs.

So when they saw a beautiful black Sheprador (a German Sheppard Lab mix) in their neighbor's window, they knew that had to become buddies with her. They wrote the dog's owner, Sarah Tolman, a letter asking to arrange a play date with the dog. "If you ever need someone to walk him/her, we will gladly do so," they wrote.

"If you ever get bored (we know you never will, but we can dream), we are more than happy to look after him/her. If you want to come over and bring him/her to brighten our day, you are more than welcome. If you want to walk past our balcony windows so we can see him/her, please do," the letter continued.


"We hope this doesn't come too strong, but our landlord won't allow pets, and we've all grown up with animals. The adult life is a struggle without one," they wrote. "Yours sincerely, The boys from number 23," the letter concluded.

Soon after, the boys in 23 received a response from the dog herself, Stevie Ticks, accepting the offer. However, it may have been written by her human, Sarah Tolman. In the letter, Stevie shares a bit about herself, saying she's two years and four months old, was adopted in Cyprus, and that she's "very friendly and full of beans." (The boys shouldn't worry about a gassy hound, in England, "full of beans" means lively.)


"I love meeting new people and it would be great if we can be friends. I must warn you that the price of my friendship is 5 x ball throws a day and belly scratches whenever I demand them," the letter continued. A few days later, the boys got to meet Stevie. "Meeting Stevie was great!" McCrossan told Buzzfeed. "She was definitely as energetic as described. We got to take her for a walk and she wouldn't stop running!"

black labrador, dogs, dog-walkers, kind nieghbors, stevieticks, bristol, ukA black labrador (representative image).via Canva/Photos

Tolman thought the boys' letter was a fantastic gesture in an era where, quote often, neighbors are strangers. "In a day and age where people don't really know or speak to their neighbors, it was really nice for them to break down that barrier," she said. After the story went viral, she saw it as an opportunity for people to share their love of dogs with the world. "My mother and I are amazed at all the love we've received from around the world these past few days," Tolman wrote as Stevie. "If you have a doggo in your life, share that love with those around you."

A lot has changed in the past 6 years since this story warmed hearts around the globe. The boys have since moved away, but as of September 2024, Stevie is around 8 years old and still doing well. Her keeper and Sarah's partner, Chris Bowley, shared an update on Instagram. "[The boys] sadly moved out of Bristol. However, we have always tried to keep the ethos going of Stevie having as many friends and meetups as possible," Bowley wrote.


This article originally appeared six years ago.

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Motherhood

Single dad gets suspicious letter from his late wife and rushes to get a DNA test

"She told me how sorry she was that she didn’t have the guts to tell me this to my face when she was alive.”

via Nathan Cowley/Pexels

A devastated man sitting by the ocean.

Ten months after a man’s wife passed away, he finally got the courage to read a letter she left him, which contained a devastating admission. The 4-year-old son they had together may not be his.

“My ‘darling’ wife passed away 10 months ago,” the man wrote on Reddit’s Off My Chest forum. “She wrote a letter for me before she died, but I couldn’t bring myself to read it until now. She told me how sorry she was that she didn’t have the guts to tell me this to my face when she was alive.”

In the letter, the wife revealed that there was a “good chance” that the son he thought was his wasn’t his biological child. A few weeks before their wedding day, the wife got drunk at her bachelorette party and had a one-night stand with another man. Soon after that night, she became pregnant but was unsure who the father was.

DNA, DNA test, paternity test, letter from deceased spouse, Reddit, family, parentingA man reads a lettterImage via Canva


The man was torn whether or not to have the paternity test done. The child had only one parent in this world, and he would have to take care of him regardless. He also thought it was cowardly that his former wife would wait until she was no longer around to share the truth with him.

“So she thought she’d rather drop this bomb on my life when I could no longer confront her about it,” the man wrote. “Now that my son would only have one parent looking out for him, and she’d have no idea how I would even react. Maybe I should not have got the paternity test done. Maybe it might be better to live in ignorance. But I just had to know.”

The man took the paternity test and learned he wasn’t the child’s biological father.

- YouTubewww.youtube.com

“I’m devastated. This doesn’t change how I feel about my son,” he wrote. “He’s my whole world and he’s innocent. But boy, does it hurt. There’s so much going on in my head right now. I haven’t stopped crying. Thank god my son is at my parents' place for the day. I’d hate for him to see me like this.”

Facing a pain nearly too much for him to bear, the only outlet he had at the moment was reaching out to Reddit to find some solace. “I just needed to let this all out. Don’t have it in me to tell anyone in my life about this right now,” he wrote.

DNA, DNA test, paternity test, fatherhood, parenting, life advice, RedditA man holds his head in his handsImage via Canva

The commenters send him hundreds of messages of support to get him through the shock of first learning the truth about his family.

The most popular message was straightforward and honest.

"All your feelings are valid, a lot of people will react with some kind of toxic positivity to things like these. Your feelings are valid. Each and everyone," femunndsmarka wrote.

Another commenter added that someday, his son will appreciate how he stepped up and did what was right in a very trying circumstance.

“He is going to find out the truth one day. Imagine how much more he will love you knowing you didn’t leave him, even though he wasn’t yours,” ImNotGoodatThis6969.

Another commenter provided valuable insight from the son’s perspective.

"As an adopted child, I just want to thank you on behalf of your son. I deeply believe it changes nothing, family is not about blood, its about who you love, want to have by your side, and care for the most. Sending hugs, strength and gratitude," Mariuuq wrote.

The father at the heart of this story is understandably devastated because his life was upended almost overnight. But the hope in the story is that his trials also taught him a powerful truth—his love for his son goes much deeper than blood.

This article originally three years ago.

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Culture

California man buys a small island in Finland because it's cheaper than the deposit on a house

"Our plan is to build a log cabin completely by ourselves."

Photo credit: Canva

Couple buys small island because it was cheaper than a house

The cost of living is getting quite ridiculous. Pretty soon people will feel like they need to take a loan out just to buy basic groceries. But there's one area that has people struggling beyond compare and that's the extreme cost of not only rent but purchasing a home. Many people are being completely priced out of the market causing people to rent longer than they'd like while some are having to move back in with their parents.

Due to the rising price of housing in American specifically, more people are choosing to relocate outside of the country in hopes to maintain a better quality of life on less money. There are entire Reddit channels dedicated to expat living and Americans looking to become expats.

Oliver Russell, 24 was slightly ahead of the curve with his exit from the United States. Though he is American, he's also half Finnish giving him dual citizenship with ties to the country through friends and family that he visited often.

- YouTubewww.youtube.com

Russell grew up in Laguna Beach, California but after moving Colorado, he was denied in-state tuition which made affording business school nearly impossible. That's when he decided to take advantage of the free college education Finland offers for it's citizens, he had always dreamed of moving to Helsinki anyway.

It just so happened after getting settled into his second homeland, he met a girl. Helena Tomaszewska, 20 is Dutch and once the two got serious about dating the started looking at getting a summer home, which is standard in Finland. But during their search for the perfect home, the two discovered houses were expensive. The down payment alone seemed like entirely too much money for the young couple.

"In Finland, the summer cottage life is a huge part of the culture and I would come out here every summer. I loved the summer cottage life and wanted one of my own," Russell tells SWNS.

ocean, life, islands, life hack, life hacks, abandoned island, finland, californiaA man relaxes in a chair in front of the oceanImage via Canva

They continued their search, checking out different real estate websites for something in their price range. Just when it seemed like the pair was having a run of bad luck locating an affordable property for to serve as their summer home, Russell came across an island. Yes, an island. By the time the new Finnish resident came across the island, it had been on the market for 10 years and lucky for them it was within their budget. The couple only paid $31k for the 2.5 acre island.

Unlucky for them, the island was completely overgrown with tries, bushes and moss. No one had lived there for more than 10 years so if they were going to build their summer home there, they had a lot of work cut out for them. That big detail didn't deter them one bit. The two young adults got to work.

"Our plan is to build a log cabin completely by ourselves with no experience and transform it into a fully functioning summer cottage," the man shares in a video that shows him chopping down trees and shaving bark off of logs.

finland, island, life hacks, life hack, californiaA couple walks along the beach on an islandImage via Canva

Russell and Tomaszewska purchased the island in March 2024 and have made several trips to ready the land for a permanent structure. But have so built a platform deck to camp out on and an out house so they have somewhere to rest when they're continuing their work.

Russell tells Lad Bible, "We made a frame out of logs that we felled from trees and I got some decking from a hardware store. We then built an outhouse and I am now trying to build a shower structure so we can wash while we're on the island. We wanted to get the base camp set up so we have a comfortable place to stay while the big building happens next year."

There's a requirement for the island, and it's that a certain portion of it needs to be a sauna. It's unclear if this is a requirement by the Finnish government or a deal between Russell and his girlfriend. Either way, that's the portion they want to focus on after they get the shower built, while their hope is to have the entire cabin built by next summer.

sauna, island, finland, california, life hack, life hacksTwo women sit in a sauna next to the oceanImage via Canva

A 2025 finish date might be a little lofty since both island owners are full time students at college leaving little time to trek out to the island to spend days building But there's no doubt they'll finish this massive project and have plenty of time to enjoy it.

Living on an island with no neighbors really cuts down on the chances of unexpected visitors. But a trip to town get a gallon of milk or toilet paper would require a boat ride so hopefully they're also including a large storage area.

How about you, would you live on a deserted island?

This article originally appeared last year.

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