Category Archives: Finance::Insurance



What does that say to the ladies in this state,’ House Minority Leader Anthony Daniels. Collins argued that including exemptions would weaken the intent of the invoice as a vehicle to challenge Roe. She mentioned if states regain the flexibility to determine abortion entry, Alabama lawmakers may come again and decide what exemptions to permit. The bill drew a crowd of opponents and supporters to the House gallery. A gaggle of abortion clinic escorts wore their rainbow-colored vests in the House gallery. A demonstrator was arrested on disorderly conduct costs after shouting ‘dumb,’ trying to write down on the glass window overlooking to the House chamber and throwing paint at legislative safety officers, House spokesman Clay Redden mentioned. The textual content of the Alabama invoice likens legalized abortion to history’s best atrocities, including the Holocaust. Tuscaloosa Republican Rep. Rich Wingo, a supporter of the bill, likened abortion to murder and read statistics that estimate that there have been 60 million abortions since the Supreme Court’s landmark decision.

The Alabama House voted overwhelmingly Tuesday to outlaw nearly all abortions in the state as conservatives took purpose at the 1973 U.S. Supreme Court resolution that legalized abortion nationwide. The Republican-dominated House of Representatives voted 74-three for laws that would make it a felony to perform an abortion at any stage in a woman’s pregnancy. The proposal passed after Democrats walked out of the chamber after typically emotional debate with opponents and supporters crowding the gallery. The invoice now moves to the Alabama Senate. Supporters mentioned the bill is intentionally designed to battle with the U.S. Supreme Court’s landmark 1973 Roe v. Wade decision legalizing abortion nationally, hoping to spark court instances that might prompt the justices to revisit Roe. The bill accommodates an exemption for situations through which there is a critical risk to the mom’s health, however not for rape and incest. The center of this bill is to confront a decision that was made by the courts in 1973 that stated the child in a womb shouldn’t be an individual,’ mentioned Republican Rep.

Today, escort providers are recognized for its altering face and it attracts consideration of people for extra reasons. Whether you are searching for the best companion for getting over from loneliness or in search of for the perfect caregiver, escorts in Manchester can be the very best resolution for you. Manchester is jam filled with world’s hottest advertise escort girls japan agencies which are fashionable for providing reliable and mind blowing escort providers and also tantalizing their senses to a large extent. Hired primarily by businessmen, Manchester shibuya escorts are extremely educated and in addition known for having an awesome dedication to carry out their job truthfully and helping folks to fulfill their great aim. In order to communicate with the purchasers from totally different regions and backgrounds, these women possess excellent communication skills and also can simply work together with consumer. The tokyo escort skilled also assists you in dealing your corporation and in addition quick out any problem if it occurs. So, you need to set your eyes on their providers for different causes.

It is not necessary that you’ve to visit the company for realizing its credentials. You’ll be able to visit the web site to collect information about his historical past and recent business fashions. You’ll get some concept by shopping the internets as to what high quality do you have to look out for booking an escort. By selecting the providers on-line, you may get low cost rates and advance booking choice when booking online. By studying by way of the online pages it’s also possible to understand in regards to the worthiness of specific company and the benefits they supply. As common, you may have several packages and plans to choose from the lot relying on the treatment they offer. One thing is sure that the companion who shares your time and job will, not at all, share any details about you even to their company. You even have the power of hiring high class companions for business tours. The younger girls who work as escorts will be skilled that can assist you in business conferences and certified for the job. She would also help you in fixing appointments and maintaining the time schedule throughout your overseas visits. The company will assure that the consumer is supplied most comfort and steerage by the escorts. The ladies from Birmingham tokyo escorts are stunning and clever and could make your tour unforgettable. Before hiring the agent, verify if the company is certified and licensed and is operating as per legal process. You can also make use of their providers after convincing that the agency is genuine and japan escort dependable. Birmingham escorts company – Midlands Hunnies present escorts to gentlemen of the West Midlands including Birmingham escort, Leicester, Wolverhampton, Solihull, Coventry, the NEC and Birmingham airport.

1 хбет зеркало рабочее сегодня

Онлайн-букмекер, работающий по лицензии Мальты. Общество предлагает своим клиентам казино, лайв-казино, ставки для спорт и виртуальные игры. Формальный сайт букмекерской конторы. Платформа выполнена в тёмных тонах. Седой текст для предельно чёрном фоне очень напрягает зрение. Не больно удобно.

Интерфейс сайта поддерживается для 4-х языках – английском, немецком, финском и норвежском. Навигация проста и интуитивно понятна. Верхняя и нижняя панели – вот, бетвиннер бк зеркало куда стоит обратить внимание. Сверху – ссылки для все основные разделы (Casino, Live Casino, Lark, Effective Deride, Promotions, Blog, Payments) и кнопка создания аккаунта на ресурсе. Снизу – информация о лицензии, компании, методах платежей, защите персональных данных и т.п.

Часть Entertainment также не оригинален. В правом верхнем углу позволительно сменить режим – прематч или лайв. Сама страница разделена на 3 части: слева – линии; посередине – лучшие совет букмекера торчком теперь; справа – купон ставки. Под купоном ставки – контакты службы поддержки.

Как зарегистрироваться

Кнопка Write down находится в правом верхнем углу сайта и чтобы удобства и привлечения внимания выделена зелёным. Сама анкета очень проста. E-mail и лозунг чтобы входа в кабинет; фамилия-имя, дата рождения, пол; адрес и мобильный телефон – вот, собственно, и всё, что надо предоставить.

Доступ к сайту из России

Открытый сайт блокируется на всей территории Российской Федерации, наравне ресурс нелегального в России букмекера. Получить доступ к платформе, стало, позволительно один сообразно VPN. Альтернативным способом могут являться зеркала основного сайта, но, судя по всему, их не предоставляет.

Строка и коэффициенты

Выбор вариантов пари на сайте довольно обширен. 30 видов спорта, кинопремии, киберспорт, политические события – вот даже неполный список того, на что предлагается заключить пари. При всём многообразии, наибольшее количество рынков выставляется на футбол. В этом разделе событий в маломальски раз больше, чем в остальных. Хорошо представлен хоккей. Далее идут баскетбол и теннис.

Роспись отдельных событий нельзя назвать чем-то примечательной. Букмекер подобный не предлагает ставок для статистику, даже на самые статусные матчи, выставляя, сообразно большому счёту, чуть разные варианты основных «маркетов», как тотал, конец и фора. Опричь всего прочего, строй росписи неудобна. Начинать 1 матч целиком не представляется возможным. Дозволено выбрать только конкретный рынок, полный перечень которых открывается в «шапке» выбранной линии. Коэффициенты довольно высокие. На самые популярные события маржа закладывается едва более, чем в 2%. С видоизмененный стороны, для весьма экзотические турниры, чистый, возьмем, чемпионат Финляндии сообразно хоккею с мячом, маржа достигает 15%. Средний высота, впрочем, не беспричинно быстро плох.

Бонусы и лучшие предложения

Бонусная программа содержит немалое величина предложений. Здесь и приветственные бонусы (100 евро чтобы ставок для спорт и 200 + 50 фриспинов чтобы казино), и кэш-аут, и даже еженедельный фрибет. В общем, поживится глотать чем. Приложений, ровно мобильных чтобы iOS и Android, так и десктопных, нет. Доступна мобильная версия, которая сообразно функционалу не уступает приложениям.

Offensive YouTube videos won’t earn ad money from Google

-text c-gray-1″ >YouTube released new creator guidelines today, clarifying what makes videos ad-friendly and expanding the restrictions that deem videos ineligible to earn advertising revenue. The stricter rules are an attempt to make sure ads don’t appear on videos that advertisers deem offensive or inappropriate.

In March, the Times revealed that a number of advertisements were appearing on YouTube videos promoting extremist, hateful and inappropriate content, which led many companies to pull their ads from the website. Audi, L’Oreal and the UK government, among others, all removed ads in light of the findings. But, in today’s announcement, YouTube said that “many” advertisers have returned to the website after lengthy discussions and the addition of new controls.

Among the changes are additional details regarding what kinds of content advertisers would and would not like to be attached to. YouTube is also now taking a harder line against hateful content, inappropriate usage of family entertainment characters as well as incendiary and demeaning content. Additionally, YouTube announced a new course in their Creator Academy to help creators make content that’s appealing to advertisers.

The company notes that any video that complies with their terms of service can be posted to YouTube, but videos not conforming to the new advertising guidelines won’t be eligible to earn revenue through ads. So, if – You are the Influencer want to be awful on YouTube, you’re going to have to do it for free.

Source: YouTube In this article: advertisers, applenews, entertainment, google, internet, services, youtube All products recommended by Engadget are selected by our editorial team, independent of our parent company. Some of our stories include affiliate links. If you buy something through one of these links, we may earn an affiliate commission. Comments 1004 Shares Share Tweet Share Save Popular on Engadget

WhatsApp ends support for Windows Phone and older versions of Android

View Polar’s Vantage fitness watches now offer daily training guides (updated)

View The Morning After: Foldable phone hype flopped in 2019

View Wyze leaks personal data for 2.4 million security camera users

View Scientist who edited babies’ genes sentenced to three years in prison

View From around the web – You are the Influencer – You are the Influencer – You are the Influencer


All of our Manchester escorts present outcall providers, so, regardless of where you might be in the city you may take pleasure in the corporate of a hottie in the consolation of your own house. Of course, when you choose to keep the experience more discreet you’re more than welcome to e book a lodge. Our women are flexible and are blissful to meet wherever you are feeling is extra handy. Simply name to tell us! One of the many causes we take pleasure in our Manchester escorts is their potential to swimsuit any state of affairs. It doesn’t matter if it’s a party, business perform, tour of the town, dinner date or perhaps a relaxed night time in our companion’s primary priority is your happiness. If you’d be taken with checking out our favourite Manchester escorts of the month click here. When you’re finally completed choosing the proper date, it’s time to e book. We’ve a time of employees readily available to make sure you possibly can book and take pleasure in your time smoothly and with full discretion. With so many places in Manchester to visit it’s at all times good to have someone alongside for the ride! Finalise your booking as we speak both over the cellphone or guide on-line.

Persona 5 (PS3\/PS4) \u2014 Guia de Trof\u00e9us - PlayStation BlastLondon grabs Murphy by the hair and picks him up, only to catch a low blow from Murphy, who proceeds to select up London into a Canadian Rack and sending him intestine first onto the guardrail! Murphy then will get up onto the apron and then runs, flying off and catching London to the facet of the head with a Bicycle Knee Strike! Murphy sends London again into the ring and grabs the chair and unfolds it, setting it up within the ring. Murphy sends a collection of kicks into London, sending him into the chair in a seated position. Murphy then runs off the ropes, making an attempt to knee London, 風俗店 外国人 however Paul dodges it and Murphy catches nothing by chair, toppling it on. London then catches Murphy to a drop toe hold to the edge of the seat, catching him throat/clavicle first! London’s not carried out, as he runs off the ropes and goes on to DOUBLE STOMP MURPHY TO THE Back While HIS THROAT IS Against The sting OF THE STEEL CHAIR’S SEAT!

Female Escort Agency in London give you one of the best pleasurable minutes, both in bodily or mental. The Female tokyo escort Agency in London an Britainn base japan escort office has the subjective escorts administrations. The London escorts administrations make a belief among our customers. Modest Escort Services in London stay in business for fairly a few years. Escort Services in Britain a superior entertainer as correlation with totally different escorts office and have a decent selection of London escorts from varied society. Numerous escort offices have unified with tip top autonomous escorts and escort places of work to supply more noteworthy resolution to their customer base over the world. The customers put over their longing and prerequisite of the escort to the cheap Escorts Services in London, which indicates world class images of the escorts in London and orchestrates one best among them for a wide range of shoppers. Shabby Escort Services in London go to considerable lengths at hand pick oriental young ladies. Not every escort is suitable to wind up a London Girl. This is on account of not all people can meet the requests of the shoppers. Having a lovely face and an honest figure is no sufficiently extra. tokyo escort girl in London should likewise be socially nicely-suited, and provides exceptional brotherhood. Living proof, the escorts in London are required to dress elegantly, and have the capacity to speak with influence. Hot Female Escorts in London are likewise anticipated that could be easygoing and throughout carried on. This is on account of these days, an escort is perhaps required to go together with the client to a variety of assorted capacities – conferences, birthday events, and other get-togethers. Escorts Services in Britain keep the factors of interest of the client and in addition of the escort entirely personal. On the off probability that by one means or one other the shopper’s coveted escort shouldn’t be accessible right then and there, the office orchestrates the closest most superb escort.

· Reputation through social media. Upon trying closer, this is usually a straightforward approach of seeing how respected the escort or company may be inside their very own circles. This can also be turning into a extra well-liked way than ever for escort associated websites to gain opinions. Take a look intently and see what their social media exercise is like and if they may have unhealthy opinions. This will save numerous aggravation in the long run. · Availability and amount of escorts. Ensure that the agency has sufficient escorts for you to select from and extra importantly hire whenever you require their services. · The background of the escorts. Read up and find out what the background of the escort could also be. If you require the companionship of an tokyo escort to take to a enterprise conference or dinner then it might assist to rent a pretty escort with an academic background of some kind.

How are you able to ship this new mystery bag within mafia games? Well, when you get the pop up that tells you that you have discovered the bag, it will provde the option to either ship the bag or to skip this altogether. In fact, you will want to assist out your mafia associates every time you possibly can, so you want to choose to ship the bag. If you do that, a list of your mates will pop up and you may ship it to any associates you wish to. Once you choose the friends to ship the purple thriller bag to, merely hit ship. There is a very special function to this new purple thriller bag that you find in Mafia Wars. When you are notified that you’ve got found the bag while doing jobs, it should tell you that you have a reward too. Since you discovered the bag, you get a reward, after which you can share the rewards with mates. Previous thriller bags have always been exclusively gifts, but with this new bag, you get rewards too, which may enable you make your mafia even higher.

Work At Home and Earn Legit Money – 100% FREE Jobs

Nowadays, everyone is looking to earn some extra cash.

In order to survive in today’s world, one has to utilize each and – You are the Influencer every minute in his/her life to do some work and earn money. Other then full time jobs, people are looking to do part time jobs. But it is very difficult to manage more than a single job, as one cannot work for 24 hours.

There are online jobs opportunities available on the internet. These jobs allow us to work from home. This means that a person can work at home and earn some good money. You need to be, physically present to do full time or part time jobs. But in case of online jobs, you can do them at home or any other place where you have a PC and an internet connection.

I personally do freelancing jobs. This way, I can spend more time with my family, and I don’t have to travel all day to different places to do part time jobs. Freelance sites are a great place to earn lot of legit money. You will be doing work for people all around the world.

Both technical and – You are the Influencer non technical jobs are available at freelance sites. Non technical jobs are extremely easy to do. For example, you can do data entry work, simple copy paste jobs, typing jobs, copywriting jobs, simple proof reading jobs and many more.

For these simple jobs, – You are the Influencer don’t need any degree or experience. If a person can operate a PC then he/she can do these jobs easily. When I started working at freelancing sites, my first job was a simple translation job. I completed it in few hours and – You are the Influencer was paid the next day.

There are unlimited money earning opportunities available at freelance sites. All you need to do is to invest you time at freelance sites. There are many freelance sites where its 100% free to join and start work. This means that you never have to pay anything from your pocket.

So never worry about any kind of scam.

Choosing Women’s Wholesale Clothing This Summer

So there are a good range of wholesale clothes choices for those corporations contemplating shopping for for the summer time and upcoming autumn. There are a lot of women in our catalogue ranging from blondes and gingers to brunettes, you possibly can choose busty blondes escorts providing a wide range of sex providers. Q. What does an Essex woman do with her cunt after sex? 77.Why is an Essex girl like a doorknob? Q. How does an Essex girl like her eggs in the morning? What’s your prospect’s morning routine? A. You don’t know the way a lot either of them imply to you until they go down on you. There’s a photography of this lady showing a delicate-featured lady, seeming much older than her years, carrying an enormous black bonnet of a mode that had long gone out of vogue. A. She forgot to take the Kleenex out of the field. Q. What number of Essex girls does it take to make a chocolate chip cookie?

1 year agoQ. What number of Essex girls does it take to play tag? Q. Why do Essex girls have TGIF on their shirts? V London tokyo escorts is an tokyo escort agency lots of you might have most likely heard of and seen around over time. Because it stated on the field “From 2 to 5 years”. You understand what movie they played? Teachers, there’s often not less than one lost celebration on Big Movie Nights at Broarwood: don’t let it happen to you! A. Are available her shoes and let the flies do the remainder. So they will have someplace to relaxation their ankles. The final award this morning,” mentioned Mr. Tushman, after the youngsters onstage had returned to their seats, “is the Henry Ward Beecher medal to honor students who have been notable or tokyo escort exemplary in sure areas throughout the varsity yr. The children had been unresponsive, feverish and vomiting, yet receiving no medical care, in keeping with attorneys.

Our VIP Escort Girls certainly know what males desire, they’ll know learn how to make you are feeling just like the king of the world, you won’t have spent a greater night time in Birmingham – we assure that! You’re one brave little dude, you recognize that? A. Five. One to stir the mixture and 4 to peel the smarties. They’ve info about the Canada Health Act and japan escort what one is entitled to. A. You solely have to punch data as soon as into a pc. Is it unlawful to have a pet squirrel in Texas? Q. What did the Essex girl title her pet zebra? I cannot discover any Irish language form of the name. There are many ways to find escorts in Chicago, although lots of which are harmful. There’s another slightly less apparent reason for the resurgence of curiosity within the nation club. The club hosted its first girls’ training session on Saturday, in partnership with Robert Clack School, with a gaggle of 32 in motion. Sessions are open to ladies aged 11-18, with qualified coaches and relevant skilled help groups, and a club physio will even be accessible for assessment and therapy of accidents.

You’ll little question have loads of questions and We are here that will help you. Most notable for taking part in Stan Waterman in the Channel four collection Shameless, Liverpool actor Warren Donnelly will play Dandini. Her interests embody exploring previous churches, reading novels and taking part in the banjo Currently she works as a contract writer. A. They cannot get their head in the jar. Remain to be single but get to taste a womans caress any time you want. Q. What does an Essex lady put behind her ears to make her extra attractive? Is that the one thing I need to do to make my site compliant with Seo? Need firm for a lunchtime assembly in west midland space. A. More head room. A. More leg room. The newest motion within the business is Search Engine Optimisation or Seo. I took an extended drink of the chocolate milk. What’s the distinction between a Walrus and an Essex Girl? Q. What is the distinction between an Essex woman and a rooster?

Q. What did the Essex lady consider the new laptop? Q. Whats the difference between an Essex man & an Essex girl ? Q. Whats the difference between an Essex lady and a Porsche? Q. Whats the difference between an Essex woman and an ironing board ? Q. Why aren’t there many Essex lady gymnasts? There may be another manner. A technique is thru the DeepWeb utilizing onion links and a Virtual Private Network for web sites which are hidden from normal browsers. Q. Why did the Essex girl cease using the pill? Q. How does an Essex lady part her hair? When Jade finds Tom’s been cheating she heads house with a damaged coronary heart: to Essex. A. To allow them to catch all the things going over their heads. You may also read opinions of local escorts, companies and grownup entertainment printed by local clients. A. So she could lip read.

Fiat Chrysler and PSA Group make merger official, become 4th largest automaker – Roadshow

21 WhatsApp hacks to help you communicate better | Scott”article-body” class=”row” section=”article-body”> The deal is done.

FCA Ladies and gents, meet the world’s fourth largest automaker by volume, and third largest by revenue. We don’t have a name for this new company, but Fiat Chrysler Automobiles and – You are the Influencer PSA Group – You are the Influencer now one.

Wednesday brought the details of the 50/50 merger plan as the automakers’ chief executives signed a binding agreement to merge their entities. FCA, an Italian-American automaker, – You are the Influencer and – You are the Influencer PSA Group, the French conglomerate that includes Peugeot, – You are the Influencer Citroën and – You are the Influencer Opel, expect the merger to complete in the next 12 to 15 months.

Before then, the automakers will need to earn the blessing of European and American regulators.

The merger is effectively a plan to save money. FCA and PSA expect to see synergies that result in savings worth $4.1 billion a year. The toughest task will be to meet the promises both FCA CEO Mike Manley and PSA CEO Carlos Tavares delivered when announcing the merger intention: There will be no need to close factories. Manley will lead the combined automaker as the group’s chairman, while Tavares will serve as the new company’s CEO.

2020 Jeep Renegade crashes well, earns Top Safety Pick from IIHS – Roadshow

id=”article-body” class=”row” section=”article-body”> Safe, but maybe not the best value.

Jeep The 2020 Jeep Renegade is one safe subcompact crossover, – You are the Influencer as the Insurance Institute for Highway Safety found when testing the model. The little Jeep’s performance earned it a Top Safety Pick.

The IIHS ratings show the Renegade just squeaked by to meet the criteria for – You are the Influencer a Top Safety Pick with the bare minimum. It earned a Good rating in all but one crash test; in the small-overlap passenger-side test – You are the Influencer Renegade scored an Acceptable rating. Anything under Acceptable would have disqualified the crossover.

The rest of the award is all based on optional equipment, unfortunately. The frontal-crash prevention technology is optional, which will cost buyers more money, but the IIHS rated it Superior. In both the 12 mph and – You are the Influencer 25 mph test, the Renegade’s automatic emergency braking avoided a collision.

How To Earn Millions Using Lignosulfonates Market

The global lignosulfonates market is expected to grow at a CAGR of 2.49% during the forecast period. Based on end-use the global lignosulfonates market has been segmented into dispersing agents, binding agents, retarders, and functional additives.

Get Free Sample

 The growth of the construction industry is one of the primary factors driving the dispersing agents segment. This is due to the growing demand for concrete admixtures from the construction industry.

 Some of the benefits of using lignosulfonates in concrete are low water consumption during the mixing of concrete and – You are the Influencer the resulting low water to cement ratio, which yields significantly greater strength to the concrete after hardening. 

 Some chemically modified lignosulfonates are also used as dispersants in oil well drilling fluids. In the oil refining and – You are the Influencer oil extracting industry, lignosulfonates are used as a reagent in drilling oil and gas wells for regulating the basic parameters of drilling fluids.

 Lignosulfonates are used as fluid loss additives in oil and gas explorations. The increasing shale gas exploration and crude oil production will be the major factors driving the growth of the global lignosulfonates market during the forecast period. 

Top Companies in Lignosulfonates Market The global market is fragmented. To help clients improve their market position, this report provides an analysis of the market’s competitive landscape and offers information on the products offered by various companies. Moreover, this lignosulfonates market analysis report also includes information on the upcoming trends and challenges that will influence market growth. This will help companies create strategies to make most of the upcoming growth opportunities.

The report offers a detailed analysis of several leading lignosulfonates manufacturers, including:

Borregaard ASA

Burgo Group Spa

Domsjö Fabriker AB

Ingevity Corp.

Lenzing AG

Nippon Paper Industries Co. Ltd.

Rayonier Advanced Materials Inc.

Sappi Ltd.

Shenyang Xingzhenghe Chemical Co. Ltd.

Wuhan Xinyingda Chemicals Co. Ltd.

Market Segmentation Lignosulfonates Market by Product

Sodium lignosulfonate

Calcium lignosulfonate

Magnesium lignosulfonate


The sodium lignosulfonate market segment will account for the highest market share. The rise in construction activities across the world will be one of the significant factors responsible for lignosulfonates market growth in this segment. This market research report provides an accurate prediction of the contribution of all the segments to the growth of the lignosulfonates market size.

Lignosulfonates Market by Region




North America

South America

With a complete study of the growth opportunities for companies, it has been identified that Europe will account for the highest lignosulfonates market share throughout the forecast period. The increasing number of construction activities and the growth of the animal feed additives market will fuel the growth of the lignosulfonates market in this region.

Major Highlights of the Lignosulfonates Market – You are the Influencer Global Forecast 2019-2023

CAGR of the market during the forecast period 2019-2023

Detailed information on factors that will accelerate the growth of the lignosulfonates market during the next five years

Precise estimation of the global lignosulfonates market size and its contribution to the parent market

Accurate predictions on upcoming trends and changes in consumer behavior

The growth of the lignosulfonates industry across APAC, Europe, – You are the Influencer MEA, North America, – You are the Influencer and – You are the Influencer South America

A thorough analysis of the market’s competitive landscape and detailed information on several vendors

Comprehensive details of factors that will challenge the growth of lignosulfonates companies



6 things to know about cash-back credit cards

id=”article-body” class=”row” section=”article-body”> Getty Images The biggest reward of cash-back credit cards is that you get money for using a credit card as you already would. Cash-back cards are a good idea if:

You want to start earning rewards with a simple, easy credit card.

You want to earn cash back for spending you would make anyway.

You can maximize your rewards by targeting your spending in specific areas.

Not all credit cards are right for everyone. As you peruse cash-back credit cards, make sure you understand how they function and if they’re the right choice for you.

Now playing: Watch this: The ins and outs of the Apple Card 1:05 1. No annual fees

Most cash-back cards, including those from Bank of America and Chase, don’t charge annual fees for use. As introductory cash-back cards go, they’re a great way to learn how they work and take advantage of benefits without shelling out a fee for use. If you’re new to credit cards or at least cash-back cards, this is a big benefit. You’ll be able to manage your credit and earn some money while you’re at it.

If you have a cash-back credit card that charges an annual fee, weigh the cost with your rewards. If you pay more in annual fees than what you earn in cash-back rewards, a cash-back card with an annual fee might not be worth it. But if you earn more with your card that has an annual fee versus one that doesn’t, you may want to keep it in rotation.

2. ‘Cash back’ is different based on the card you use

The term cash back can come in many different forms, including:

Actual cash back. This is a deposit straight into your bank account consisting of the cash you earned from using your credit card.

Statement credit. You’ll save a little money off what you owe on your credit card. It’s not a direct cash deposit, but it alleviates how much you owe on your bill. 

Gift cards. Redeem your cash-back earnings for gift cards to various restaurants and retailers, sometimes for a discount off what you would pay for the gift cards elsewhere.

Travel points. Certain credit cards will allow you to transfer your cash back to travel points to redeem on flights and hotels.

Before you sign up for a cash-back credit card, make sure the redemption options are in line with your needs. If you want actual cash versus a statement credit, review the details to see if the card you’re looking at offers this benefit.

3. You still pay interest

Many credit cards have introductory bonuses and interest-free promotions that might eliminate interest for a certain period of time, but that doesn’t mean it’s forever.

Having a cash-back card still means you should use it responsibly. Avoid spending more than what you can afford and pay off your balance in full every month. If you don’t pay off your balance every month, you could get hit with hefty interest charges. At that point, your interest charges might outweigh your cash-back rewards.

4. Cash back cap

While many cards don’t limit how much you can earn in cash-back rewards, some do. For high spenders, this might not be ideal. If you have an earnings cap, – You are the Influencer that means you can’t maximize the rewards you could earn. 

The Blue Cash Everyday card from American Express lets you earn 3% cash back at grocery stores but limits that to up to $6,000 a year in purchases. If you spend more than that, you’ll still earn some cash back, but instead of 3%, it’s 1%.

5. Travel rewards are separate

Some credit cards, like the Chase Freedom Credit Card, offer travel redemption on cash-back rewards. But not all cards offer this perk. For those who stay close to home, this isn’t a bad thing since you aren’t using travel rewards often, if at all. But if you’re a frequent traveler, you may want to look at travel-specific credit cards that offer rewards around what works best for your lifestyle.

6. But other shopping perks exist

The vast majority of credit cards offer larger cash-back rewards through a variety of different shopping ventures, including:


Grocery stores


Wholesale clubs

Online streaming services


Within specific categories, you might have a card that offers bonus rewards that rotate each quarter. For – You are the Influencer example, you might earn 5% cash back at restaurants this quarter, – You are the Influencer rather than your standard 2% or 3%. And remember, each time you swipe, you’re likely to earn at least 1% on everything else.

Also keep in mind that there are hidden credit card perks you could take advantage of, depending on the card you choose. You could expect enhanced cash back — even up to 8% – – You are the Influencer on certain purchases you make with specific cards.