How to Shop for Cruelty-Free Products – Companies That Test on Animals

Imagine getting up in the morning and going about your usual routine to start the day. How many different products do you apply to your body by the time you’re ready to head out the door?

For many people, the list would at least include toothpaste, soap, shampoo, and deodorant. But many people can also tack on hair conditioner, lip balm, sunscreen, shaving products, and a whole array of cosmetics. A survey by the Environmental Working Group found that the average American consumer uses 9 different products each day, and some use 15 or more.

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What Is a Spending Ban – Rules, Financial Benefits, Pros & Cons

It has been popping up on the Internet for years now. Known variously as a spending ban, shopping fast, or spending diet, it has countless bloggers singing its praises. They claim that drastically cutting back on purchases helped them get their financial lives in order, pay off debt, and achieve other important goals.

Looking at the success of others, you might wonder whether a spending ban is right for you. Would cutting out all wants and only putting your money toward things that you actually need help you reach your financial goals? Or would you feel needlessly deprived and end up spending more on impulse purchases in the long run?

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Gold Delta SkyMiles® Business Credit Card from American Express – Review

The Gold Delta SkyMiles® Business Credit Card from American Express combines the travel benefits of a travel rewards credit card with the business-friendly features and spending power of a business credit card. With a $95 annual fee, this card is geared toward business owners who take enough Delta flights to offset its ongoing cost.

Gold Delta SkyMiles Business earns an unlimited 2 points per $1 spent on all Delta purchases, including airfare and incidentals. All other spending earns an unlimited 1 SkyMile per $1 spent. You can redeem accumulated SkyMiles for Delta airfare purchases and merchandise listed for sale at the SkyMiles MarketPlace.

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Starwood Preferred Guest® Business Credit Card from American Express – Review

The Starwood Preferred Guest® Business Credit Card from American Express is a hotel rewards card and business credit card with a $95 annual fee. Its generous rewards program centers on the Starwood hotel family, whose brands include Sheraton, Westin, and W. Every Starwood Preferred Guest Business Credit Card purchase earns Starpoints, Starwood’s loyalty program currency. Once you accumulate enough Starpoints, you can redeem for free nights and room upgrades at around 1,200 Starwood properties worldwide, or transfer to more than 30 frequent flyer programs covering about 150 total airlines.

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What Is Common Law Marriage – States, Rights & Requirements

Common law marriage is one of those legal ideas that everyone seems to have heard about, yet few people have a true grasp of the details. You may have read a news story about a common law spouse, or have heard people say things along the lines of, “If you live together for 10 years, you’re common law married.”

If you’re living together with a romantic partner, others may have told you that you’re common law married even if you’ve never told anyone you’re married or never intended to be. This can be an eye-opener, and no small source of concern.

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The Business Gold Rewards Card from American Express OPEN – Review

The Business Gold Rewards Card from American Express OPEN is a small business charge card with a $175 annual fee and a fairly generous rewards program that favors popular business spending categories, including airfare, advertising, gas, shipping, and technology. As a charge card, Business Gold Rewards doesn’t incur regular interest charges; however, you’re required to pay your balance in full by each statement cycle’s due date. Failure to do so for 2 or more consecutive cycles may result in the closure of your account.

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Business Green Rewards Card from American Express OPEN – Review

The Business Green Rewards Card from American Express OPEN is a small business charge card with a $95 annual fee and a rewards program that rewards general spending. Most Green Rewards Card purchases earn 1 Membership Rewards point per $1 spent. Travel booked through American Express Travel is the exception, as those purchases earn 2 points per $1 spent.

As a charge card, Business Green Rewards doesn’t incur regular interest charges. However, you’re required to pay your balance in full before each statement’s due date. If you fail to pay in full for more than 2 consecutive cycles, American Express reserves the right to close your account.

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How to Live Off the Grid – Why You Should Do It & What You Need

Open frontiers, freedom to live one’s life without restrictions, and the romance of living in harmony with nature have long been part of the American psyche. Authors and filmmakers have captured the desire to live independently and rely solely on one’s abilities for centuries.

For example:

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  • Henry David Thoreau, a 19th century poet, writer, and naturalist, explained the fascination with a simple life in his 1854 book “Walden“: “I went to the woods because I wished to live deliberately, to front only the essential facts of life, and see if I could not learn what it had to teach, and not, when I came to die, discover that I had not lived.”

Best New Bank Account Promotions, Offers – May ’16

With many financial institutions experiencing a decrease in profits, banks are vying for your business. This is good news for you, because instead of just offering standard perks like no fees or a free pen when you sign up for an account, some banks are raising the stakes with cold hard cash, giveaways, and great interest-bearing products.

May is a good month for bank promotions from both big and small banks. Banks are giving away a lot of bonuses to attract new customers and get them to open up accounts. The banks listed below have some pretty sweet deals that you should take advantage of if you are in the market for a new bank.

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Best 38 Fun Things to Do in Seattle – Activities & Attractions on the Cheap

Laid out on a series of hills on Puget Sound’s eastern shore, Seattle is the biggest city in the Pacific Northwest. It anchors a metro region of 3.5 to 5 million people, depending on how you define it. Even if you’ve never been there, you’ve probably seen pictures of its iconic natural and man-made landmarks: Mount Rainier, the Space Needle, and Pike Place Market.

Seattle also has a bevy of lesser-known activities and attractions – more than enough to keep a frugal traveler occupied for a quick weekend, a leisurely week, or even longer. That’s in spite of Seattle’s reputation for high (and rapidly rising) home values and rents, a controversial issue attributable to a long-running tech boom that’s attracting highly educated newcomers, driving up already high-earning techies’ wages, and supporting a frenzied building boom in the city’s core neighborhoods.

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