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Getting Rid Of Those Pesky Credit Cards Is Harder Than You Think

  

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These days just about everyone has some kind of credit card debt. Whether we’ve hit some bad luck and needed the help or we’re just plain lazy and bad with money, we all know what debt looks like. In fact, a recent report estimated that the average American family has around $8,000 in credit card debt alone. That’s well over a trillion total!

Kind of makes you want to throw your credit card in the ocean, doesn’t it? Well, as much as we’d all like to get rid of our credit cards, it’s not as easy as you think. I know this because I actually tried it! And while I’m happy to be rid of my debt and won’t likely build anymore, it was still a lot harder than you’d think. Here’s everything I learned from the experience.

The Hassle

First and foremost, the most important thing I learned is that getting rid of your credit card (or credit cards) is very, very hard. Mostly because so many things these days require that you have one! Booking hotels and flights, setting up accounts online, putting down a deposit or a “soft hold,” etc, etc. Sure, debit cards work sometimes, but not all the time. So, if you’re thinking about pulling this off yourself, just be prepared to put in the work.

The next major lesson I learned that should be blatantly obvious to all of us, is that if you can’t pay for something with cash, you can’t afford it! Now, I’m not saying you should only keep your money in cash form and just constantly walk around with thousands of dollars in your pockets. That, of course, would be very stupid.

Basically, it means, if you can’t pay for something using the real money you have in your bank account (check, debit card, cash), then you really shouldn’t be buying it all. So many of us convince ourselves that we can put a charge on our card and we’ll definitely pay off the card at the end of the month. No problem. But then, come the end of the month, all of a sudden we don’t have the money to pay off the credit card and now we’ve got a bunch of fun, new debt! So if you’re really looking to get rid of some debt, stick to your checking account.

At this point, many you reading this might be thinking, “Yeah, I hear ya. Debt is scary and easy to rack up. But I just love my rewards!” And, trust me, I hear you. The benefits that come from credit card purchases can be great! Emphasis on can. More often than not, our credit cards are already so full that we’re facing pretty steep interest charges. So if you’re getting a sweet $35 reward on a given purchase, but you’re paying $85 a month in interest charges, you’re not exactly saving yourself any money, are you?! (Hint: No. You’re not.)

Then there are the ever-dangerous store cards. You know, those credit cards you can start that are specifically for H&M or Victoria’s Secret or Old Navy? I’m not going to beat around the bush here, folks: if you open one of these cards you are terrible with money. The interest rates on these cards are typically higher than any other credit card and the rewards are rarely worth it. So if you’re still struggling with the idea of ditching your proper credit cards, at least do me the favor of getting rid of these foolish cards.

And now it’s time for one of the greatest benefits I found when I got rid of my credit cards: I actually started being as frugal as I always wanted to be! When you can put something on your credit card that you promise yourself you’ll pay off later, what’s another couple hundred bucks?! Just go for it – buy both of those sweaters you love!

And therein lies the basic problems with credit cards. It so rarely even feels like real money. So when you get rid of them and start actually using real money, it turns out you’re much smarter about how you spend it and only spend exactly what you need! And when it’s all said and done, I promise you, the things you wanted to buy, and would have bought if you had a credit card, will not be missed whatsoever. In fact, you’ll probably be happy you didn’t bother.


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Air Canada Announces the Gift of Travel Campaign

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Air Canada provides travelers with a unique opportunity starting this December. The company’s Gift of Travel initiative is certainly worth looking forward to.

Air Canada announces a new holiday campaign called the Gift of Travel. It’s the company’s new initiative that celebrates different actions done by several heroes in the community who are providing selfless possibilities to fellow Canadians.

The COVID-19 pandemic heavily impacted our freedom to explore the world and travel without increased border restrictions.  Air Canada’s Gift of Travel campaign aims to help procure funds for various organizations in Canada. The initiative also provides avid travelers with easier travel passes, enabling them to reach their dream destinations conveniently.

“Canadians from across the country have shown remarkable resilience, solidarity and generosity in the face of COVID-19 and we were inspired hearing stories of people who dedicated their time and energy to caring for others, making a memorable impact on other people’s lives. We are proud to launch this campaign with our Gift of Travel video featuring heartwarming stories of community heroes and share the gift of travel through a message of hope and optimism from our employees as we all look forward to brighter days ahead,” shares Arielle Meloul-Wechsler, Executive Vice President, Chief Human Resources, and Communications Officer at Air Canada. “We are also proud to continue our long-standing effort through the Air Canada Foundation in supporting communities through its inaugural Gift of Travel auction and the annual Aeroplan Matching Campaign,” she adds.

The same Gift of Travel campaign highlights with different inspirational stories about Air Canada personnel as they do community work, providing assistance related to the fight against COVID-19. These stories can be accessed via the company’s social media handles and website.

On 1 December 2020, the company will launch its Gift of Travel auction. The said auction will highlight rare aviation implements including the opportunity to fly or operate an aviation simulator. It will also feature a ride-on plane for kids and even a chance to have dinner with the company’s most celebrated chefs.

All proceeds of the said Gift of Travel auction will be given to various Canadian charitable groups and organizations that work toward better health for the youth and children.

Also, the Gift of Travel campaign will cover the yearly Aeroplan Matching Campaign week celebrations. This will feature the Air Canada Foundation Hospital Transportation Program, an advocacy to help sick children to get the medical help they need.

Through the Air Canada Foundation, the charitable arm of the company, Air Canada specifically aims to help Canadian children and youth in their medical and health needs. The Foundation also provides financial assistance and in-kind aid to various charitable organizations in Canada.

The company’s Gift of Travel campaign also highlights a Gift of Travel pass that allows convenient travel to one of the six designated locations. This pass will be valid until April 2022 and will provide the bearer with utmost flexibility.

The COVID-19 outbreak has heavily affected Canadian’s capacity to travel wherever and whenever they want. With Air Canada’s Gift of Travel, however, more opportunities to travel—and even to help others—becomes a vivid reality.

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Hawaii Travel Restrictions to Change

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Travelers to Hawaii will need to undergo COVID-19 testing and have negative results prior to entering the state, stresses Governor David Ige, as Hawaii travel restrictions get modified.

Effective a couple of days before Thanksgiving, stricter Hawaii travel restrictions are to be initiated. This is to halt the growing number of COVID-19 cases in the state, David Ige, the state’s governor proclaims on Thursday.

At the moment, visitors are permitted to reach Hawaii by using a pre-testing protocol. Upon reaching the state, travelers can simply upload their test’s negative results on the Hawaiian COVID-19 visitor database and bypass the 14-day quarantine used by other US states.

This current mandate is problematic, however, as more and more tourists later prove to be positive after being allowed passage into Hawaii. This issue, then, compromises the health and well-being of residents, resulting to the prevalence of new COVID-19 cases in the area. Hence, Ige points out the need to tighten border patrol to curb this rampant result.

The said tightening of Hawaii travel restrictions plans to take effect on Tuesday, just two days before the upcoming holiday celebration.

To forego, however, the 2-week quarantine protocol, tourists are required to take the proper COVID-19 test at any of the accredited testing centers or partners of the state. Nevertheless, if the results of the test do not arrive before flying into Hawaii, the tourist shall be forced to take a 14-day quarantine or even stay on lockdown for the duration of his visit, whichever is shorter.

It is essential to note that tourists who do not obtain their negative COVID-19 results before departure won’t be able to enter Hawaii even if the said information arrives just before they reach the state.

Travelers are still provided with the option to skip COVID-19 testing, however. Both tourists and residents who arrive at the border can still opt to take the 14-day quarantine, either at their designated hotels or at home. This option comes in lieu of the lengthy COVID-19 testing queues across the United States as more and more Americans are forced to get tested for the said virus.  

At present, the US still holds the topmost record of the most COVID-19 total cases in the world. As of writing, it already has a record of 12,078,831 positive cases. To prevent the upsurge of the same rapid transmission within Hawaii’s borders, the need to require negative COVID-19 results as part of the modified Hawaii travel restrictions is pointed out.

Nevertheless, Ige explains that the necessity of protecting Hawaiians from the possibility of inbound infection can be skipped by choosing to stay on a 14-day quarantine. Travelers can still opt to remain within their hotel rooms or head straight to their homes, eradicating immediate—and unprotected—contact with locals during the said time period. Thus, tightening Hawaii travel restrictions aims to halt rapid COVID-19 spread as everyone awaits news of an effective vaccine that may possibly help the country—and the world—revert to the unrestricted mobility experienced way before this unprecedented pandemic emergency.

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Have You Tried Bottled Cocktails? Here’s Why You Should

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Bottled cocktails, or ready-to-drink alcoholic beverages, are all the rage right now. Around 55% of average consumers consider them as a convenient way to have a cocktail.

While convenience is an attractive factor, there are plenty of other reasons why bottled cocktails are on the rise. Check out the benefits and options you have when it comes to this new trend.

What Is a Bottled Cocktail?

Bottled cocktails are pre-mixed alcoholic beverages. Some bottles are interesting artisanal blends; others are simple and straightforward drinks. These drinks require no effort on your part—just open, sip, and enjoy.

Beyond hard alcoholic beverages, you also have access to canned wine and hard seltzers. Additionally, some bottled cocktails come in the form of do-it-yourself kits. While these require a little bit of effort, they’re still much easier to handle than purchasing every cocktail ingredient yourself.

The Benefits of Bottled Cocktails

From bars to liquor stores, you have a lot of options when it comes to making cocktails. However, bottled cocktails provide significant perks and should be on your radar. If you’re skeptical about bottled cocktails, take a look at these fantastic benefits that cater to all sorts of situations and tastes.

They’re Portable

Whether you’re going to the beach or a picnic, no one wants to lug around bottles of wine and liquor. That’s why bottled cocktails are an excellent choice for on-the-go activities.

By bringing ready-to-drink cocktails, you save yourself the hassle of mixing drinks yourself. After all, no one wants to go on bartender duty when they’d rather have fun.

They’re Simple

Depending on if you choose a cocktail-making kit or a ready-to-drink cocktail, the main perk is simplicity. You no longer have to purchase several different bottles of liquor, mixers, and garnishes to create your ideal cocktail. Depending on the type of cocktail, you get all of the ingredients together without any effort on your part.

You Get Variety

Bottled cocktails are perfect for people who want variety in their alcoholic drinks. Kits and bottled cocktails allow you to explore interesting recipes with ease, such as hard seltzers. If you prefer the classics, like an old fashioned or a martini, you have access to those too.

Plus, whether you’re looking for a light afternoon sip or a stiff party, there are plenty of options for whatever you’re in the mood for. You can check out these bottled cocktails that are boxed and ready-to-ship, check out your local grocery store or even make your own.

They’re Cost-Effective

Bottled cocktails prevent you from having to purchase entire liquor bottles. Plus, some cocktails require niche garnishes and odd additions that end up getting wasted if you only make one cocktail. The cost-savings are all part of what makes bottled cocktails worth your attention.

Opt for Bottled Brews

Bottled cocktails aren’t just a new trend. These types of cocktails provide great benefits and make happy hours a lot easier for everyone involved. With the wide variety of cocktails available, you’re guaranteed to find a blend you’ll love without the hassle of making it yourself.

If you loved this guide, check out the rest of our posts. We write helpful blogs about traveling, recipes, and more.

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