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Sunday, November 24, 2019

Amazon Doesn’t Favor Its Own Brands—Except When It Does

The company told House investigators that it ‘gates’ its own private-label products. Here’s why that matters.

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How to Avoid Black Friday Scams Online

’Tis the season for scammers and hackers. Here’s how to stay safe out there.

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DR Congo plane carrying 17 people crashes into town

Officials say there have been casualties, but have not given details.

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Congo student: ‘I skip meals to buy online data’

People in DR Congo spend 26% of the average income to get online - a luxury too far for many.

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Saturday, November 23, 2019

Serge Ibaka: NBA champion's YouTube cooking show

The Congolese basketballer racks up millions of views cooking unusual food on YouTube.

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Five MIT students named 2020 Rhodes Scholars

Ali Daher, Claire Halloran, Francisca Vasconcelos, Billy Anderson Woltz, and Megan Yamoah have been selected for the 2020 cohort of the prestigious Rhodes Scholarship program. They will begin fully funded postgraduate studies at Oxford University in the U.K. next fall. Each year, Rhodes awards 32 scholarships to U.S. citizens plus additional scholarships reserved for non-U.S. citizens.  

Halloran, Vasconcelos, Woltz, and Yamoah will join the 2020 American Rhodes Scholar class. Daher was awarded the Rhodes Scholarship for Syria, Jordan, Lebanon and Palestine.

The MIT students were supported by MIT’s Office of Distinguished Fellowships and the Presidential Committee on Distinguished Fellowships. “It has been a gift to work with all of our applicants, and we are especially gratified when the Rhodes committee sees in them the same traits that we value so highly — not just academic excellence, but also thoughtfulness, creativity, initiative, and moral character,” says Professor Tamar Schapiro, who co-chairs the committee along with Professor Will Broadhead.

Ali Daher

Ali Daher, from Amman, Jordan, is a senior majoring in mechanical engineering with a concentration in biomedical engineering. At Oxford, he will pursue an advanced degree in research science engineering. Daher’s Rhodes Scholarship was announced Nov. 15

Claire Halloran

Hailing from Wauwatosa, Wisconsin, Claire Halloran is a senior majoring in materials science and engineering with minors in energy studies and public policy. At Oxford, Halloran will pursue an MSc in energy systems and a Master of Public Policy. She aspires to become a policy leader who will advocate for legislature that is both technically sound and appropriate for wider social contexts.

Halloran is dedicated to creating clean-energy technologies, advocating for strong climate policy, and disseminating knowledge about climate change. Her research has focused on solar energy technologies, including a project on solar-to fuel conversion reactors for concentrated solar systems with the Electrochemical Materials Laboratory in the MIT Department of Materials Science and Engineering, and an independent research project on silicon and perovskite photovoltaics. During a spring study abroad semester at Oxford, Halloran worked on high-energy-density battery design with the Faraday Institution SOLBAT Project, and this past summer she interned at Form Energy, a startup focused on creating low-cost, long-lasting batteries.

Halloran has interned with the Environmental Defense Fund and held climate policy fellowships with Our Climate and the Better Future Project. On campus, she founded and directs the MIT Climate Action Team, which works to organize the MIT community in support of policies to mitigate climate change. Halloran also holds an executive position and serves as a peer educator with the MIT Violence Prevention and Response team, facilitating peer conversations about sexual violence and healthy relationships.

Francisca Vasconcelos

Francisca Vasconcelos is from San Diego, California, and will graduate in 2020 with a double major in electrical engineering and computer science and in physics. Vasconcelos aspires to become an academic, leading a cutting-edge research lab to tackle problems in machine learning and physics, specifically in the domain of quantum computing. She hopes to develop the algorithms, derive the physics, and design the hardware that will drive forward the next revolution in computing, while inspiring and educating the next generation of quantum engineers. At Oxford, she will pursue an MSc in mathematics and foundations of computer science, as well as an MSc in statistical science.

Vasconcelos currently conducts research under Professor William Oliver in the Engineering Quantum Systems Group of the Research Lab for Electronics. Her research focuses on extending quantum state tomography for superconducting quantum processors, but she has also worked on a waveguide quantum electrodynamics project and study of radiation induced quasiparticle formation in superconducting qubits. Vasconcelos has done additional research at the MIT Computer Science and Artificial Intelligence Lab NETMIT group, NASA Jet Propulsion Laboratory, MIT Media Lab Camera Culture Group, and Rigetti Computing.

Vasconcelos plays for the MIT women's club soccer team and has held leadership roles in the MIT Society of Women Engineers and MIT IEEE Undergraduate Research Technology Conference committee. Vasconcelos is an instructor for the MIT EECS IAP “Intro to Quantum Computing” course and is leading the development of a high school quantum computing curriculum with the nonprofit organization The Coding School.

Billy Woltz

Growing up on a farm in Logan, Ohio, Billy Woltz had limited options for internet service and STEM education. He arrived at MIT with an interest in physics and modeling complicated systems. He will graduate this spring with a double major in physics and electrical engineering and computer science.

At Oxford, Woltz will pursue a second undergraduate degree in philosophy, politics, and economics to acquire skills for making an impact on both the technical and policy aspects of quantum computing. He plans to eventually earn a PhD in physics, conduct research on quantum technologies, and advise legislative bodies on science and technology.

Woltz is currently a research assistant in the Engineering Quantum Systems Group in the Research Laboratory of Electronics where he is working on a superconducting qubit platform for quantum information processing. In the Department of Physics, Woltz designed an algorithm for automating data collection from CERN’s particle detectors with the Laboratory for Nuclear Science, and tested the effects of environmental fluctuations on microbial communities with the Physics of Living Systems Group. 

Woltz founded a summer camp to teach computer science skills to underserved Appalachian and refugee students in rural and urban Ohio communities. A 2018 NEWMAC Runner of the Year, he is captain of the MIT varsity track and field and cross-country teams, and has achieved five All-New England honors. He writes investigative journalism articles for the MIT newspaper The Tech, and likes to read and play guitar in his spare time.

Megan Yamoah

Megan Yamoah, from Davis, California, is a senior majoring in physics and electrical engineering. The daughter of immigrants from Ghana and Thailand, she seeks to expand on her engineering background to tackle questions involving technology and international development. At Oxford, she will pursue an MPhil in economics to acquire knowledge in development economics and study how innovation can positively impact emerging economies.

A Goldwater Scholar with several first-author publications and a patent to her name, Yamoah has focused on the cutting edge of quantum computing. As a high school student, she conducted research in the Goldhaber-Gordon Laboratory at Stanford University. Since her freshman year at MIT, she has been assisting Professor William Oliver in the Engineering Quantum Systems Group in the Research Laboratory of Electronics. She also did a summer research internship in the Q Circuits Group at the École Normale Supérieure de Lyon. This past summer, Yamoah attended workshops for the MIT Regional Acceleration Program (REAP) where she connected with diverse stakeholders from around the world on developing initiatives for spurring innovation.  

As president of the MIT chapter of the Society of Physics Students, Yamoah worked to develop a physics department statement of values, the first of its kind at MIT. She is an executive board member of Undergraduate Women in Physics and has served multiple roles in the Society of Women Engineers. As a project committee member for MIT Design for America, Yamoah organized workshops for teams creating technology-based solutions for local challenges such as food insecurity.



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Jay-Z Buys Back Intellectual Property For Rocawear For $15 Million

It’s The Roc! According to Financial PostShawn “Jay-Z” Carter has bought back the intellectual property of his fashion brand Rocawear.

New York-based Iconix Brand Group stated in a regulatory filing last week that it had sold certain intellectual property assets to Jay-Z’s Roc Nation L.L.C. and membership interests in his Marcy Media L.L.C. for $15 million as part of the settlement reached, which included two lawsuits and an arbitration proceeding.

Last week’s filing comes more than two years after Iconix filed a lawsuit against Jay-Z and his Roc Nation brand, and Major League Baseball Properties, among others. They alleged that by the selling of “Roc Nation” baseball caps, they were running afoul of the 2007 licensing agreement in which Roc Nation granted Iconix exclusive rights to manufacture and sell specific types of goods bearing the name of Rocawear, the clothing brand that Jay-Z and Damon Dash launched in 1999. 

 

Iconix accused Jay-Z of infringing on trademarks it acquired a decade earlier through its $204 million purchase of Rocawear, arguing in its complaint that the Roc Nation-branded baseball caps fell within the scope of the parties’ licensing deal and by selling the hats, “Carter and his various companies … have deliberately undermined a series of agreements, after receiving millions in substantial compensation from Plaintiffs, by continuing to use and exploit in business the very property already conveyed to Iconix and Studio IP by contract.”

The agreement ends that suit, filed in April 2017 in the federal court in Manhattan. It also resolves a private arbitration related to that sale and a July 2019 lawsuit Jay-Z filed in a New York state court in Manhattan which accused Iconix of fraudulently doing business with Roc Nation as part of a “colossal accounting scandal.”

Iconix said last week that it took a $5.5 million charge after agreeing in principle to resolve a U.S. Securities and Exchange Commission probe into its writedowns. Both sides also agreed to drop all claims against each other, without admitting wrongdoing or unlawful conduct.

Although Jay-Z earned $81 million and was crowned as hip-hop’s first billionaire earlier this year, he still wound up in second place behind his mentee and “younger brother” Kanye West. Earlier this year, the NFL announced a long-term partnership with Roc Nation, Carter’s sports and entertainment agency, as the league’s official Live Music Entertainment Strategists. The partnership, which went into effect at the start of the 2019-20 season, will serve to strengthen community through music and the NFL’s Inspire Change initiative.



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Tamir Rice’s mother and ACLU team for booklet to teach kids how to interact with police

The American Civil Liberties Union and the mother of Tamir Rice, Samaria, have created and released a booklet in honor of the boy who was shot dead by Cleveland police five years ago.

The publication is called The Tamir Rice Safety Handbook and was created to guide children through police interactions. The booklet’s cover is red, Rice’s favorite color, and features a smiling image of the boy on the back with “In loving memory of Tamir Rice” written.

According to Cleveland.com, Rice’s name and likeness are featured on six pages that make up the handbook. Details inside assist children and teenagers on how to utilize their rights in possible scenarios ranging from questioning on the way home to police visiting your home.

READ MORE: Police union files appeal to get ex-cop who killed Tamir Rice his job back

The ACLU states being stopped by a police officer is a “stressful experience” and the Handbook provides details the way for youth to be able to control your own actions. “Even when you do everything right, things can still go wrong. These tips can help you protect yourself,” the website reads.

“Black children often have to be adults,” ACLU Campaigns Manager Melekte Melaku said. “They have to navigate these encounters and have this information on hand in a split second where they might be scared of what’s happen next.

“We want to make sure we’re giving kids the tools that they need, while acknowledging that it’s not fair that young people have to walk around and fear for their safety like they still do in Cleveland.”

READ MORE: Cop who killed Tamir Rice finds new job, but boy’s mom not staying silent about it

Samaria Rice brought the idea to the ACLU to create the guide as a part of their “Know Your Rights” initiative, in hopes to save future children from meeting the fate of her son.

“I told them to use colors for kids to be more welcoming, so they read it and make sure they read it with their parents,” Rice said to Cleveland.com.

WJW-Cleveland reports The Tamir Rice Foundation organized Art, Activism & the Legacy of Tamir Rice this past Wednesday night at the Cleveland Museum of Art. The guide with the ACLU was released at the event, which more than 100 people attended.

The guide is available now for download on the ACLU Website, with physical editions available for those who are able to visit the headquarters.

The post Tamir Rice’s mother and ACLU team for booklet to teach kids how to interact with police appeared first on theGrio.



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All harassment charges against Lakers center DeMarcus Cousins dropped

The third-degree harassment charges filed against Los Angeles Lakers center DeMarcus Cousins have been dropped.

Cousins’ lawyer, Moshae Donald, spoke to Adrian Wojnarowski of ESPN detailing the misdemeanor case filed in Mobile, Alabama was dismissed.

“I am pleased to announce all criminal charges against DeMarcus Cousins have been dropped,” Donald said in a statement to the Los Angeles Times. “The case is dismissed and Mr. Cousins is looking forward to moving onward with his life and career as a professional basketball player.”

This past August, an arrest warrant was issued for Cousins after he allegedly threatened to kill his ex-girlfriend, Christy West. She states the two were arguing about their son attending Cousins’ wedding. A clip of West and the man who is alleged to be Cousins was released by TMZ, which the man can be heard saying “I’m gonna make sure I put a bullet in your f—ing head.”

READ MORE: PHOTOS: LA Lakers’ star DeMarcus Cousins wed Morgan Lang in lavish ceremony

While the legal case has concluded, Cousins still could face a penalty from the NBA under the rules of the domestic violence policy. At the time of the warrant being issued the NBA acknowledged the issue and issued a brief statement: “We are aware of the report regarding DeMarcus Cousins and are investigating the allegations.”

“We are reviewing the outcome of today’s proceedings,” an NBA spokesman said Friday to the court’s decision.

According to Bleacher Report, Cousins married his girlfriend Morgan Lang in August. NBA Stars and former teammates including Anthony Davis, Draymond Green and Andre Iguodala were in attendance. John Wall and Eric Bledsoe, his teammates at the University of Kentucky, were his groomsmen.

READ: Celtics ban a fan for hurling racial slur at DeMarcus Cousins

Ahead of his wedding, Cousins signed a one-year, $3.5 million deal with the Lakers. In a summer workout, Cousins tore his ACL and has yet to play this season.

The ACL injury occurred earlier in the same month. Prior to that, Cousins tore his Achilles and quadriceps in the two previous seasons he spent with the New Orleans Pelicans and Golden State Warriors.

He will rejoin the Lakers in Memphis for their game against the Grizzlies.

The post All harassment charges against Lakers center DeMarcus Cousins dropped appeared first on theGrio.



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Philly teen boys brutally assault McDonalds worker after she refuses to give them free food

A McDonald’s employee in Philadelphia was beaten unconscious by a group of teenage boys after she did not give them free food.

The employee is 17-year-old Charm Sullivan who worked inside a McDonald’s on Broad Street and Hunting Park on Wednesday when she was attacked by at least four boys. Sullivan’s cousin, Khadijah Lovett, spoke to NBC10 Philly detailing the attack, which included being hit with a brick.

“They assaulted her several times,” Lovett said. “They hit her with a brick in front of McDonald’s.”

READ MORE: Fast food fact check: Drake gave out $200, not $20,000, during a pit-stop at McDonalds

The assault occurred after Sullivan denied giving free food to the group as she worked behind the counter. The boys would then attack her and follow her to the bathroom and continued the assault. The attack would lead outside where Sullivan was found unconscious between two cars in the parking lot. Sullivan was familiar with her group, stating they are frequent visitors for the North Philly location.

“I’m not giving them no free food,” Sullivan said in an interview with NBC10. “They come in there all the time.”

“She’s hurt,” Lovett said. “The only thing she keeps saying is she doesn’t know. Why her. Why her?”

Lovett also provided photos of her cousin who has facial bruises around her right eye and lips. The attack required Sullivan to make a visit to the hospital. Now, Lovett says her cousin will never work at McDonald’s again.

READ MORE: McDonalds fires worker who threw water on homeless man

Sullivan added that no one inside the McDonalds, including the co-workers, called the police during the attack.

Fox News details a report was filed by Sullivan following the attack. The teens responsible for her injuries have yet to be found by the police. A description of the attacks has yet to be released.

The McDonalds where the crime took place was visited by NBC10 but the manager refused comments.

The post Philly teen boys brutally assault McDonalds worker after she refuses to give them free food appeared first on theGrio.



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Egypt animal mummies showcased at Saqqara near Cairo

The mummies, including cats, crocodiles, cobras, were found at the Saqqara necropolis near Cairo.

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Normani named first brand ambassador for Savage x Fenty lingerie

Former Fifth Harmony singer and now solo breakout star Normani is the first-ever brand ambassador for Rihanna‘s Savage x Fenty line of lingerie.

This past September, Normani was featured in the inaugural Savage x Fenty Fashion show, which aired on Amazon Prime. The show featured performances, blending fashion and music while serving as a showcase of the line.

“wow this was legit one of the most memorable nights of my entire existence,” Normani said on Instagram after the show.

 Vogue announced Normani as the first ambassador in an interview and on their social media, followed by the singer sharing the stunning images on her own social platforms. The announcement places Normani in the holiday campaign for the brand.

“I was very excited and really honored, especially that the ask came from Rihanna herself,” Normani said to Vogue. “I know that this is her passion project, something she genuinely and wholeheartedly believes in and cares about, and the fact that she wanted me to be a part of that meant a lot to me. She is somebody I’ve looked up to for a very, very long time.”

READ MORE: Twitter goes crazy over Normani’s new ‘Motivation’ video

The initial campaign images show Normani in vibrant red pieces that are available now. Normani can be seen in Savage x Fenty’s Ultra Sexy Satin Cupless Bra ($64),  Ultra Sexy Crotchless Bikini ($25) and thigh-high stockings, which feature the Savage Fenty name on the tights.

“Believe in yourself, know that there’s only one you,” Normani said. “I wake up not confident sometimes and Savage X gives me the opportunity to feel great, empowered, fearless, and beautiful. So you should definitely cop your lingerie! Also! Do it for yourself, not for anybody else.”

“Normani is the perfect choice for a Savage X Ambassador. She exudes confidence and power,” Rihanna wrote on the Savage x Fenty website. “Everything she does is executed with passion and the belief she’s going to kill it. That’s why people gravitate towards her.”

The post Normani named first brand ambassador for Savage x Fenty lingerie appeared first on theGrio.



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Dame Dash blasts opposing lawyer with insults during deposition

Roc-a-Fella co-founder and hip-hop legend Dame Dash took part in a deposition for a lawsuit filed against him by director Josh Webber. During the session, Dash blasted the plaintiff’s attorney, Christopher Brown.

“This doesn’t give you control, it give you no power it just makes you look stupid,” Brown said during proceedings. “I’ma ruin you as a lawyer. You will never be a lawyer again, I bet you I’ma make you famous. I’m just giving you the rope to hang yourself. You gonna be in a whole other court room in a whole other place with your frivolous lawsuits.”

TMZ released a video of the deposition, which shows the interaction between Dash and Brown.

READ MORE: Former Comcast exec defends Byron Allen lawsuit, exposes company’s dealings with Black networks

The lawsuit against Dash was filed after Webber and the production company at the helm of Dear Frank detailed Dash attempted to undercut the production by trying to market and sell the film with a different title. The Hip-Hop mogul is accused of sending promotional items to outlets with the name changed to The List. Dame was supposed to be in the director’s chair for the film after its initial announcement in 2016, however, he was relieved of the position after being accused of being high on set.

During the deposition, Dash would turn to his “culture vulture” phrase that he once used to criticize music executive Lyor Cohen.

“Culture vulture, you should be disgusted with yourself,” Dash said. “You’ll sell out our whole culture for a dollar.”

Earlier this week, Damon Dash was arrested for over unpaid child support. PEOPLE details Dash was arrested in New York City on Wednesday for the unpaid child support to both Rachel Roy and Cindy Morales. Dash visited a Manhattan courthouse Wednesday to pay the debts and revealed to TMZ $1 million cleared one warrant. He was arrested and taken to a Bronx courthouse to take care of the additional debt.

“We’ve been looking to arrest him since 2015,” NYC Sheriff Joseph Fucito said to Page Six.

READ MORE: Damon Dash willingly surrenders to NYC authorities over outstanding child support payments

The legal drama for Dash did not curb his partying. Page Six details after his arrest he would go on to host a party at a lounge titled the Canary Club, where he introduced a new rock band he supported.

“I brought my crew all the way from LA. I haven’t been here in six years. Twelve hours ago, I was locked up,” Dash said to the gathered crowd. “Twelve hours later, I’m here. Let’s rock the f–k out — real rock ’n’ roll s–t. Let’s go.”

The post Dame Dash blasts opposing lawyer with insults during deposition appeared first on theGrio.



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Essence Atkins opens up about working with Bill Cosby and #MeToo movement: “The dynamics get really muddy”

Long before she was heating up the small screen on OWN’s steamy series Ambitions, Essence Atkins was a sitcom staple on shows like Half & Half and Smart Guy.

The actress got her start with a guest role on The Cosby Show, and credits Bill Cosby with setting her on the path to success.

“It was my very first audition. Mr. Cosby himself is one of the reasons that I am here. He really saw something in me and gave me an opportunity to be on the show and brought me back and then I later worked for him on another show called Here and Now, which was Malcom Jamal Warner‘s spin-off show.”

Although Bill Cosby is currently serving prison time for sexual assault and has been accused of numerous other crimes against women, Atkins’ experiences with him were nothing but positive.

“I had a perfectly lovely experience the entire time. I never had anything happen to me that he has been convicted or accused of so I am very fortunate in that sense. The hard part for me of what has happened is the disparity in which justice is dispensed when it comes to similar crimes and accusations,” she continues.

“We have people in positions of power right now who have multiple accusations of sexual assault and violence and they’re still enjoying the benefits of all that power and there is no consequence for them as of yet and that is the thing that is really disheartening for me. Let’s make justice indeed bling and let’s make sure there’s equality and equanimity in how we dispense justice.”

She also revealed the struggle to contend with the dynamic between men and women win Hollywood in light of the #MeToo movement. According to Atkins, the lines between socializing and securing opportunities in Tinseltown can be blurred pretty easily, creating precarious situations for women.

“When you’re an attractive woman and you get invited to be a part of mixer or go out and grab a drink and have a conversation and talk about future projects and working together; you want to say yes because you want to capitalize not he opportunity but you don’t necessarily do and if you do, it’s a very strange, (excuse my French) fu**ed up dance that you don’t know if it’s someone’s covert way of hitting on me or is this really an opportunity I would be foolish to walk away from. The dynamics get really muddy.”

Check out the full interview above.

 

The post Essence Atkins opens up about working with Bill Cosby and #MeToo movement: “The dynamics get really muddy” appeared first on theGrio.



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How To Choose A Credit Card In 7 Easy Steps 

How To Choose A Credit Card In 7 Easy Steps 

A credit card is a lot like a relationship, it can be full of fun and excitement, but if you aren’t careful it can end in heartbreak. When choosing a credit card, you’ll most likely be in a long-term relationship. Understand your options and ask yourself the right questions. As your matchmaker, I will help you create a beautiful life with your credit card with these 7 easy steps. 

1. Decide On The Primary Use Of The Card

The most important step in your decision-making process is to pinpoint why you want to get a credit card. Do you want to be able to travel more often? Do you want to get more out of your daily spending? Do you need debt consolidation or business funding?

If you want to travel, a card with travel rewards would be best for you. If you require debt consolidation or business funding, look at cards with low-interest rates or credit cards specifically for businesses.

Set a goal and do your research to decide what card options would be best for your desired use.

2. Analyze Your Credit

Do you have good or bad credit? Be honest and realistic with yourself when choosing a credit card. The best credit cards require good credit scores. The better your score, the higher the chance you have of being approved for a card with better rewards.

Other factors can also play a role in qualifying you for a credit card. You might be declined for a credit card even though you have a great credit score and pay your balance on time. Contributions that can lead to credit card denial include the length of time you’ve had credit, your debt-to-income ratio, and having too much debt. 

Free resources to check your credit score:

    • Free FICO score from credit card issuers
    • Credit Bureaus (Equifax, Experian, and TransUnion)

If your credit score doesn’t warrant preferable credit card options, don’t freak out. There are ways to improve your credit, from modifying your spending habits to making consistent on-time payments. Also, consider getting a secured credit card if your credit needs improving. This card requires a cash security deposit, making them a good option for people with less satisfactory credit scores.

3. Look At Your Spending Habits

Do you plan to pay off the credit card every month or hold a balance? Are you only using it for “rainy day” emergencies or will it be used daily? Consider your spending habits when choosing a credit card, especially if you’re not planning to carry a balance. This means finding a credit card that you can use to your advantage.

    • If you plan to carry a balance, look for a card with the lowest interest rate possible. 
    • If you’re going to pay the bill every month, look for a card with no annual fee. 
    • If your card will be used daily, look for a card with a generous rewards program and credit limit. 
    • If your card will be used for “rainy day” emergencies, look for a card with minimal fees and a low-interest rate. 

Many cards give bonus rewards points and cashback for specific purchases. Think about your frequent purchases and the card that will complement your lifestyle. Some cards provide rewards for:

    • Gas
    • Groceries
    • Travel purchases, such as hotels and airline tickets
    • Business purchases 
    • Restaurants 

4. Research The Credit Cards Available To You

Once you decide on how you will mainly use the card, research the specific types of cards within that card category. Card categories include: 

    • A travel credit card 
    • A balance transfer credit card 
    • A business credit card
    • A cashback credit card
    • A card with 0% APR 
    • A secured credit card  
    • A premium credit card

5. Narrow Down The Best Rewards 

After pinpointing your card category, make a list of the cards that make the most sense. It’s important to get a card with rewards you will use. 

What card will give you the best value for your current lifestyle? If your goal is to save money on groceries and shopping, earning points on those purchases might be ideal. If you’re planning multiple trips for upcoming holidays, a card that rewards you in travel mileage and hotel stays might be best.

Credit card options are vast, so to prevent yourself from becoming overwhelmed, create a list of 3-5 cards and narrow it down from there.

6. Compare Offers And Conditions 

Key features of a credit card to pay attention to include: 

    • APR: The interest you pay on a card when you carry a balance. Many cards advertise 0% APR for the first 12 to 18 months, then interest goes up. 
    • Balance: The total amount owed on a credit card, including fees. Interest, and purchase charges. Higher balances lower your credit score. 
    • Sign-up Bonus: A special bonus for meeting certain requirements. Gives credit card users a way to earn rewards quickly. You have to meet spending requirements within a specific time frame. 
    • Credit Limit: The maximum balance you can hold on a credit card at one time. You may be charged a fee for exceeding your credit limit.
    • Rewards: The points you earn on specific items via credit card spending. These may equal 1-2% of your general spending or specified purchases like gas and groceries. 
    • Annual Fee: Sometimes there is an annual cost to having a particular credit card. 
    • Other Fees: Some cards have a foreign transaction fee if you use your card while abroad. You may also want to look into late fees, balance transfer fees, or fees for cash advances. 
    • Unique Perks: Some cards come with extra perks like concert and movie tickets, roadside assistance, gym memberships, Uber credits and more. 

 7. Apply For A Credit Card 

After you have compiled all your research, pick the card that is right for you. You can apply online and get the answer within a few minutes, depending on your credit history. 

Remember a relationship takes effort and it may not always work out the first time. Every few years, come back to these seven steps and make sure you still have a card that best fits your lifestyle.



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Space Photos of the Week: Terrific, Tantalizing Titan

It has methane lakes! And an atmosphere! Oh but it’s very, very, cold, really cold.

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*Aliens: No Exit* Writer Brian Evenson Goes Deeper Into Sci-Fi

The literary horror author's new short story collection delves further into genre than any of his previous works. 

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Twitter Now Has Better Two-Factor Authentication, So Use It

A hacking bounty, right to repair, and more of the week's top security news.

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