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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.

Science

Researchers dumped tons of coffee waste into a forest. This is what it looks like now.

30 dump truck loads and two years later, the forest looks totally different.

assets.rebelmouse.io

One of the biggest problems with coffee production is that it generates an incredible amount of waste. Once coffee beans are separated from cherries, about 45% of the entire biomass is discarded.

So for every pound of roasted coffee we enjoy, an equivalent amount of coffee pulp is discarded into massive landfills across the globe. That means that approximately 10 million tons of coffee pulp is discarded into the environment every year.


When disposed of improperly, the waste can cause serious damage soil and water sources.

However, a new study published in the British Ecological Society journal Ecological Solutions and Evidence has found that coffee pulp isn't just a nuisance to be discarded. It can have an incredibly positive impact on regrowing deforested areas of the planet.

via British Ecological Society

In 2018, researchers from ETH-Zurich and the University of Hawaii spread 30 dump trucks worth of coffee pulp over a roughly 100' x 130' area of degraded land in Costa Rica. The experiment took place on a former coffee farm that underwent rapid deforestation in the 1950s.

The coffee pulp was spread three-feet thick over the entire area.

Another plot of land near the coffee pulp dump was left alone to act as a control for the experiment.

"The results were dramatic." Dr. Rebecca Cole, lead author of the study, said. "The area treated with a thick layer of coffee pulp turned into a small forest in only two years while the control plot remained dominated by non-native pasture grasses."

In just two years, the area treated with coffee pulp had an 80% canopy cover, compared to just 20% of the control area. So, the coffee-pulp-treated area grew four times more rapidly. Like a jolt of caffeine, it reinvigorated biological activity in the area.

The canopy was also four times taller than that of the control.

Before and after images of the forest

The forest experienced a radical, positive change

via British Ecological Society

The coffee-treated area also eliminated an invasive species of grass that took over the land and prevented forest succession. Its elimination allowed for other native species to take over and recolonize the area.

"This case study suggests that agricultural by-products can be used to speed up forest recovery on degraded tropical lands. In situations where processing these by-products incurs a cost to agricultural industries, using them for restoration to meet global reforestation objectives can represent a 'win-win' scenario," Dr. Cole said.

If the results are repeatable it's a win-win for coffee drinkers and the environment.

Researchers believe that coffee treatments can be a cost-effective way to reforest degraded land. They may also work to reverse the effects of climate change by supporting the growth of forests across the globe.

The 2016 Paris Agreement made reforestation an important part of the fight against climate change. The agreement incentivizes developing countries to reduce deforestation and forest degradation, promote forest conservation and sustainable management, and enhance forest carbon stocks in developing countries.

"We hope our study is a jumping off point for other researchers and industries to take a look at how they might make their production more efficient by creating links to the global restoration movement," Dr. Cole said.


This article originally appeared on 03.29.21

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climate change
Health

Ear rumbling is a special 'superpower' that not everyone has

Can you do this?

via Eltpics / Twitter

Mapping out the structure of the inner ear.

There are no two human beings who are exactly alike. One of the funny quirks of evolution is that some of us can do things with our bodies we think are routine, but are impossible for others.

Some people can wiggle their ears, others can't. Some can wiggle their nose like Samantha from "Bewitched" while others just look really silly when making an attempt.

Not everyone can lick their elbow but most wouldn't attempt to do so in public.

A Twitter user named Massimo dropped some knowledge about a skill that not everyone has and even fewer discuss: ear rumbling.

Those of us who can do it know exactly what it is, while it's a mystery to those who cannot.

People who can ear rumble have the ability to control the tensor tympani, a muscle within the ear. Contracting the muscle creates a rushing, rumbling sound that, if flexed enough, can drown out a significant amount of noise.

This can be useful when someone is saying something that you don't want to hear but don't want to be rude and cover your ears. It can come in real handy if someone is about to spoil your favorite TV show or if you live with someone who can't stop nagging.

Some people cannot voluntarily create the rumbling sound but hear it when they let out a large yawn.

There's a Reddit sub-forum just for ear rumblers with over 60,000 people. Here's how some of them get rumblin'.

"I just squeeze the muscle in my ears I guess," — melvinthefish

"When I flex and hold whatever I'm manipulating to do that, I get my rumble," — ttywzl

"I get a mild rumble just doing the usual flex, but i can make it a bit louder by bringing my top lip up to my nose," — Willmono7

"The best way I can describe it is I 'squint my ears,'" —SteeleIT

The muscle exists to mask-low frequency sounds so we can focus on those at a higher frequency. It also works to mute sounds we create ourselves such as eating potato chips or coughing. It's a way that helps us from becoming annoyed with our own bodies.

Unfortunately, the muscle has a rather slow reaction time so it cannot prevent us from hearing loud sudden noises like a gunshot or a book slamming on the ground.

Massimo's tweet caused quite a stir on the platform.

Although scientists have known about ear rumbling since at least the 1800s, there doesn't appear to have been too much research on the topic. We know that some can rumble and others cannot, but it's unclear how it breaks down percentage-wise or if it's more prevalent in certain groups.

The good news is that the word is starting to get out and people who've been rumbling all their lives suddenly don't feel so alone.


This article originally appeared on 03.05.20

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science
Family

Naming twins is an art. Here are some twin names people say are the best they've ever heard.

With twins, all the regular pressures of having a baby are doubled, including choosing a name.

Photo credit: Canva

Are you in favor of rhyming twin names? Or is it too cutesy?

Having twins means double the fun, and double the pressure. It’s a fairly known rule to name twins in a way that honors their unique bond, but that can lead to overly cutesy pairings that feel more appropriate for nursery rhyme characters than actual people. Plus, it’s equally important for the names to acknowledge each twin’s individuality. Again, these are people—not a matching set of dolls. Finding the twin baby name balance is easier said than done, for sure.

Luckily, there are several ways to do this. Names can be linked by style, sound or meaning, according to the baby name website Nameberry. For example, two names that share a classic style would be Elizabeth and Edward, whereas Ione and Lionel share a similar rhythm. And Frederica and Milo seem to share nothing in common, but both mean “peaceful.”

Over on the /NameNerds subreddit, one person asked folks to share their favorite twin name pairings, and the answers did not disappoint.

One person wrote “Honestly, for me it’s hard to beat the Rugrats combo of Phillip and Lillian (Phil and Lil) 💕”

A few parents who gave their twin’s names that didn’t inherently rhyme until nicknames got involved:

"It's the perfect way! Christmas cards can be signed cutely with matching names, but when they act out you can still use their full name without getting tripped up.😂"

"The parents of a good friend of mine did this: her name is Allison and her sister is Callie. Their names don’t match on the surface, but they were Alli and Callie at home."

“Alice and Celia, because they’re anagrams! Sound super different but have a not-so-obvious implicit connection.”

This incited an avalanche of other anagram ideas: Aidan and Nadia, Lucas and Claus, Liam and Mila, Noel and Leon, Ira and Ria, Amy and May, Ira and Ari, Cole and Cleo…even Alice, Celia, and Lacie for triplets.

Others remembered name pairs that managed to sound lovely together without going into cutesy territory.

twin names, twins, babies, baby namesThese matching bunny ears though. Photo credit: Canva

“I know twin toddler boys named Charlie and Archie and they go so well together,” one person commented.

Another wrote, “Tamia and Aziza. I love how they follow the same sound pattern with the syllable endings (-uh, -ee, -uh) without being obnoxiously matchy matchy.”

Still another said, “Lucy and Logan, fraternal girl/boy twins. I think the names sound so nice together, and definitely have the same 'vibe' and even though they have the same first letter they aren't too matchy-matchy.”

Other honorable mentions included: Colton and Calista, Caitlin and Carson, Amaya and Ameera, Alora and Luella, River and Rosie, and Eleanor and Elias.

One person cast a vote for shared style names, saying, “If I had twins, I would honestly just pick two different names that I like separately. I tend to like classic names, so I’d probably pick Daniel and Benjamin for boys. For girls my two favorites right now are Valerie and Tessa. I think Val and Tess would be cute together!”

Overall though, it seems that most folks were fans of names that focused on shared meaning over shared sound. Even better if there’s a literary or movie reference thrown in there.

twin names, twins, babies, baby namesMany adult twins regret that their names are so closely linked together. Photo credit: Canva

“My mom works in insurance, so I asked her. She’s seen a lot of unique ones, but the only twins she remembers are Gwenivere [sic] and Lancelot... bonus points... little brother was Merlin,” one person recalled.

Another shared, “If I had twin girls, I would name them Ada and Hedy for Ada Lovelace and Hedy Lamarr, both very early computer/tech pioneers. Not that I’m that into tech, I just thought it was a brilliant combination.”

Other great ones: Susan and Sharon (think the original “Parent Trap”), Clementine and Cara (types of oranges), Esme and Etienne (French descent), Luna and Stella (moon and stars), Dawn and Eve, plus various plant pairings like Lily and Fern, Heather and Holly, and Juniper and Laurel.

Perhaps the cleverest name pairing goes to “Aubrey and Zoe,” since…wait for it… “they’re A to Z.”

It’s easy to see how naming twins really is a cool opportunity for parents to get creative and intentional with their baby naming. It might be a challenge, sure, but the potential reward is having the most iconic set of twins ever. Totally worth it!

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babies
Health

8 nontraditional empathy cards that are unlike any you've ever seen. They're perfect!

Because sincerity and real talk are important during times of medical crisis.

via Stock Vector

True compassion.

When someone you know gets seriously ill, it's not always easy to come up with the right words to say or to find the right card to give.

Emily McDowell — a former ad agency creative director and the woman behind the Los Angeles-based greeting card and textile company Emily McDowell Studio — knew all too well what it was like to be on the receiving end of uncomfortable sentiments.

At the age of 24, she was diagnosed with Stage 3 Hodgkin's lymphoma. She went into remission after nine months of chemo and has remained cancer-free since, but she received her fair share of misplaced, but well-meaning, wishes before that.

On her webpage introducing the awesome cards you're about to see, she shared,

"The most difficult part of my illness wasn't losing my hair, or being erroneously called 'sir' by Starbucks baristas, or sickness from chemo. It was the loneliness and isolation I felt when many of my close friends and family members disappeared because they didn't know what to say or said the absolute wrong thing without realizing it."

Her experience inspired Empathy Cards — not quite "get well soon" and not quite "sympathy," they were created so "the recipients of these cards [can] feel seen, understood, and loved."

Scroll down to read these sincere, from-the-heart, and incredibly realistic sentiments.

Emily McDowell Studio

Emily McDowell Studio

Emily McDowell Studio

Emily McDowell Studio

Emily McDowell Studio

Emily McDowell Studio

Emily McDowell Studio

Emily McDowell Studio

Pretty great, right? If you know someone who's in the less-than-ideal position of dealing with a serious illness, you can purchase any of these eight cards to share with them.

Visit Emily McDowell Studio's shop to select the card(s) you need. They're $5.00 each.

(We're not being paid to share these, nor were we asked to do so. We came across the cards and I loved them, so I reached out to Emily McDowell Studio and asked if I could share them with you. Unfortunately, a lot of us know someone who could use a card like one of these.)


This article originally appeared on 05.06.15







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empathy
Health

How 7 things that have nothing to do with rape perfectly illustrate the concept of consent.

Well this is all a very brilliant way to show what it's all about.

mage from Everyday Feminism, used with permission by creator Alli Kirkham.

There are many different scenarios where consent is necessary.



In 2013, Zerlina Maxwell ignited a firestorm of controversy when she strongly recommended we stop telling women how to not get raped.

Here are her words, from the transcript of her appearance on Sean Hannity's show:

"I don't think that we should be telling women anything. I think we should be telling men not to rape women and start the conversation there with prevention."

So essentially — instead of teaching women how to avoid rape, let's raise boys specifically not to rape.

There was a lot of ire raised from that idea. Maxwell was on the receiving end of a deluge of online harassment and scary threats because of her ideas, which is sadly common for outspoken women on the Internet.

People assumed it meant she was labeling all boys as potential rapists or that every man has a rape-monster he carries inside him unless we quell it from the beginning.

But the truth is most of the rapes women experience are perpetrated by people they know and trust. So fully educating boys during their formative years about what constitutes consent and why it's important to practice explicitly asking for consent could potentially eradicate a large swath of acquaintance rape. It's not a condemnation on their character or gender, but an extra set of tools to help young men approach sex without damaging themselves or anyone else.

news, campaigns, young men, cultural norms

Zerlina Maxwell is interviewed on "Hannity."

Image from “Hannity."

But what does teaching boys about consent really look like in action?

Well, there's the viral letter I wrote to my teen titled "Son, It's Okay If You Don't Get Laid Tonight" explaining his responsibility in the matter. I wanted to show by example that Maxwell's words weren't about shaming or blaming boys who'd done nothing wrong yet, but about giving them a road map to navigate their sexual encounters ahead.

There are also rape prevention campaigns on many college campuses, aiming to reach young men right at the heart of where acquaintance rape is so prevalent. Many men are welcoming these efforts.

And then there are creative endeavors to find the right metaphors and combination of words to get people to shake off their acceptance of cultural norms and see rape culture clearly.


This is brilliant:

consent, rape prevention, community, consent culture

A comic about different types of consent.

Image from Everyday Feminism, used with permission by creator Alli Kirkham.

There you have it. Seven comparisons that anyone can use to show how simple and logical the idea of consent really is. Consent culture is on its way because more and more people are sharing these ideas and getting people to think critically. How can we not share an idea whose time has come?

This article originally appeared on 06.27.15

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