When Should You Start Using a Debit Card?
A debit card can be used at nearly every payment machine that accepts debit and credit cards without the need to dole out cash or a check. These handy cards can also be used for online purchases. What differentiates a debit from a credit card is where the money is taken from. For instance, when you pay for something with a credit card, the funds are added to a balance in your credit account. Then, you pay off the balance in the future, preferably before the monthly minimum payment date.
However, when you use a debit card, the money is retrieved straight from your bank account. Most people start off with a debit card before advancing to credit cards since it’s simpler to keep track of what is coming in and out of your bank account. It’s often easier to rack up debts on credit cards since you can continue charging; until you reach your maximum limit, that is. That’s why debit cards are great for early card users, such as 16- to 18-year-olds. In fact, most banks and credit unions give you a free debit card when you open a checking account.
What Is a Debit Card Used For?
A debit card is great for everyday purchases like gas, groceries, errands, and more. As long as you have enough funds in your checking account, debit is convenient and efficient. remember, money gets removed immediately when you use a debit card, so there should be enough in the account to cover the expense.
Benefits of Using a Debit Card
There are multiple benefits of using a debit card, especially when starting your financial journey. This type of card is a useful option over a credit card for those who are trying to budget their expenses or prevent debt accumulation. It’s also linked to your checking account, which allows for easy access since funds are pulled directly from it. Essentially, a debit card acts like an electronic check.
Avoiding Overdraft Fees
There is such a thing as an overdraft fee if you use your card when you don’t have sufficient funds to cover your expenses. This can be easily avoided by staying accountable and keeping an eye on your checking account. Additionally, many banks offer overdraft protection services, ranging from lines of credit to automatic charge rejection so that you cannot accidentally overdraw from your account.
No Interest or Annual Fees
Perhaps the best reason to use a debit card instead of a credit card is no interest or annual fees. Although credit cards have their own advantages, they also are known for high-interest rates and annual fees that vary depending on the credit card company. Plus, annual percentage rates on credit cards can range from 10% to as high as 32.99% if you happen to end up with a penalty interest due to late payments. However, when you pay with a debit card, you can avoid those expensive rates that result in greatly increasing the price of your original purchase.
You’ll also be pleased to hear that debit cards have more protection against theft than carrying cash or credit cards because no one else can use your card without knowing the specific four-digit PIN code. Plus, the modern addition of inserting a chip on cards offers further protection and security.
Yet another benefit of starting your financial journey with a debit card is that they are often linked to interest-earning accounts. Many banks offer multiple types of accounts, including interest-earning options. Usually, a minimum daily balance as low as $10 is required, but you’ll get both the positives of earning interest and the convenience that a debit card offers for cash withdrawal and everyday purchases. More specifically, this compounded monthly interest can be compared to free money being added into your account balance.
When Is the Right Time to Get a Debit Card?
There are a few determining factors based on financial responsibility and accountability that must be considered when thinking about getting a debit card. First, consider if you have a reliable source of income. Without a way to regularly input money in your account, you’ll be at risk of overdrafting if not kept in check. Also, consider your savings habits over the past six months. Do you regularly deposit a portion of your income into savings? If not, perhaps waiting to build up those financially healthy habits will be advantageous before getting a debit card.
Another factor to think about is if you have a budget in place. This is important for everyone to have, but especially if you are just starting out. Having a spending and saving plan in place as early as possible will help you in the future. Overall, it’s up to your own judgment if you’re ready to get a debit card. Just make sure to use it wisely and responsibly!
Cara Delevingne Does Hollywood Glamorous on the 2023 Oscars Red Carpet
Cara Delevingne Makes Her Oscars Red Carpet Debut in an Eye-Catching Gown featuring a Thigh-High Slit
Delevingne will also serve as a presenter at tonight’s show. Cara Delevingne brought an old Hollywood glamour to Sunday’s 2023 Oscar red carpet.
At this evening’s award show, The Only Murders in the Building star, who is presenting, looked stunning in her daring red Elie Saab gown and Bulgari jewels. Her one-shoulder dress featured a thigh-high slit that showcased her platform Stuart Weitzman heels.
Delevingne took her glamorous style to the next level with a shimmery eye and bright rosy lip, finishing off with her hair pulled back off her face for an effortlessly stylish finish.
Delevingne, styled by Mariel Haenn and Rob Zangardi, got ready for her big night with hairstylist Danielle Priano and makeup artist Hung Vanngo. Vanngo used NakedBeauty MD Damsk Rose Revitalizing Gold-Infused Hydrogel Eye Masks to hydrate and plump Delevingne’s eyes – the ideal start to a glamorous night and the foundation for her makeup look.
Delevingne has been making waves on red carpets this awards season. She looked stunningly glamorous on the 2023 SAG Awards red carpet.
At the award show, model-actress Carolina Herrera, 30, stunned in an eye-catching long sleeve jumpsuit featuring plunging neckline decorated with large rosette appliques from their Fall/Winter 2023 collection. Additionally, this designer piece featured an overskirt which the star proudly showed off while walking down the red carpet.
Delevingne finished off her ensemble with black satin Casadei platform sandals and an amazing 74.73 carat necklace made of De Beers diamonds!
“Excited to be attending my first @sagawards tonight as part of the nominated cast of @onlymurdershulu!” she posted on Instagram alongside a picture of herself wearing the award show look.
Before the event, she shared on her Instagram Stories a behind-the-scenes glimpse of her beauty prep with Dior Beauty and celebrity esthetician Sarah Akram. To top it off, she donned bold brows and an intense red lip for full glam perfection.
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Delevingne has never shied away from making daring fashion statements at red carpet events. Last year, she graced the MIPCOM 2022 Fremantle photocall in Cannes wearing a flowy black minidress with sweetheart neckline and cutouts, paired with black heels with ankle-cuff detail and delicate jewelry. Delevingne kept her makeup understated but glamorous with a nude lip and glowing cheeks.
Cara Delevingne Reveals She Cried Watching Rihanna Perform at Super Bowl: ‘I Felt So Proud’
The Only Murders in the Building star chose soft waves for her hairstyle, giving off an effortless aesthetic that complemented her breezy dress perfectly.
Delevingne also donned an all-black ensemble when she hit the red carpet at Paris Fashion Week last September.
Delevingne had earlier missed a New York Fashion Week event to honor her collaboration with late designer Karl Lagerfeld, Cara Loves Karl. However, she was present at the Paris party to commemorate this momentous milestone.
Delevingne donned an oversized tuxedo blazer adorned with a harness belt bearing her late designer’s name and atelier address. Finishing off the ensemble were red lips and thigh-high black boots.
On Thursday morning, Delevingne debuted another Cara Loves Karl ensemble on Instagram with a carousel of photos featuring an elegant black blazer, matching pants and classic pointed-toe pumps. She chose not to wear a blouse underneath the blazer to show off its plunging neckline.
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How Did South African Rapper Costa Titch Tragic Death?
Costa Titch had big plans and big dreams. On Saturday night, however, fans of the South African rapper feared for the worst when he collapsed during a performance. Later, his family issued a statement on Instagram lamenting the tragic knock at their door. Police continue to probe the tragic death of 28-year-old. Tributes have been paid to him as they continue their investigation. BBC 1Xtra presenter Jeremiah Asiamah, who interviewed Costa Titch just weeks prior, expressed her sorrow over the passing. “Not just for fans of amapiano music,” he tells BBC Newsbeat, but for all who appreciate great music.” “His presence is contagious – just like his music!”
How did Costa Titch Died?
Videos posted to social media show Costa collapsing twice before falling off the stage during his performance at Ultra South Africa festival in Johannesburg. Organisers praised him as a beloved artist and “an inspiring voice in South Africa’s amapiano scene”. They expressed their sorrow over the sudden loss.
Contrary to what some have speculated online, no cause of death has been given. Local police say a post-mortem examination will determine the cause of death for Costa. His family has requested time and space as they try to make sense of what has befallen them while seeking closure.
Who was Costa Titch?
Costa Titch Born Constantinos Tsobanoglou, he began his career as a dancer before making an international breakthrough with his song Big Flexa in 2022. Last month, Akon announced a collaboration with his record label Konvict Kulture.
Rappers Swagger and Jeezy came together for a remix of the track that was named a ‘Rising Record’ on 1Xtra’s Rave Show. Costa stated on the show that despite its success, there are still many places around the world which haven’t heard about the record yet.
1Xtra host Jeremiah Asiamah predicts Costa Titch’s songs will now ‘hit even harder in the clubs’. Jeremiah believes Costa’s ambitions went far beyond just creating music.
“When speaking to me, he said to me ‘Big Flexa has done its thing. But I want to take it up a notch – show people I’m more than just a rapper or dancer; I am an accomplished musician’.”
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Everything About Reaveled About Jane Fonda By an Interview
Jane Fonda, born to a famous father and mother who committed suicide, overcame an difficult childhood to achieve success as an actress and then greater meaning through activism. She won two Oscars in the 1970s, became a fitness guru in the 1980s, concentrated on nonprofit work during the 1990s, then returned to acting in 2005 with Grace & Frankie.
HBR: Did attending Emma Willard’s school, founded in 1960 by a champion of women’s rights, have any impact on your life? Did Mrs. Willard’s example inspire you to pursue similar pursuits?
Fonda: Attending an all-girls high school for four years–one that had high academic standards and amazing teachers–was a lifesaver during difficult times in my life.
Did the Fonda name help or hinder you during the early stages of your career?
My early years were spent in California, attending school with other children whose parents worked in the entertainment industry: producers, directors, heads of studio and cinematographers.
It wasn’t something that crossed my mind that my father was an actor – that fact never even crossed my mind! At 10, my family moved from the West Coast to the East Coast and I began feeling special due to how people treated me there.
This made me a little self-conscious at times. Some people wanted to be my friend because my father Henry Fonda; others didn’t think much of me due to that same connection. There were both good and bad in that relationship.
When I became an actress, having my father as a movie star was definitely an advantage–people paid more attention to me than if I were just another actress. Additionally, I wanted to ensure that I wasn’t getting parts just because I’m Henry Fonda’s daughter; thus, I worked harder and took four classes a week instead of taking one.
Due to some roles I had, however, they eventually fit into an established mold: nice girl next door. So when the opportunity presented itself for me to go abroad with Rene Clement for a movie project in France – away from home and away from all that shadow casting – I jumped at it with both feet.
Why did you select acting over activism?
At 30, I became an actress out of necessity; after being fired as a secretary and being told I was talented by Lee Strasberg [my acting coach], it seemed like the only option for me.
With everything else going on around me and being pregnant with twins, it made me especially susceptible to what’s going on around her. At that moment, however, it clicked that this life needed changing; that I needed to join forces in ending this war.
So leaving France where I lived with Roger Vadim and having one young daughter behind, I left everything behind and moved to America to become active in trying to bring peace into our world.
Did You Experience Sexism in Your Career?
Well, I wasn’t paid as much as my male costars and this left me feeling judged by how I looked for a long time. This was during the late 1950s and early 1960s, when objectification and sexism were commonplace in Hollywood; there wasn’t any sense that you could do anything about it – it just became part of life.
Directors would try to have sex with me before offering me a job but I would just laugh it off. It wasn’t until later on with the rise of women’s rights movements in America did things begin to change.
How did you select projects throughout your career?
At first, I was just thankful to receive offers. I felt very insecure and uncertain of myself. Coming up at the same time as Warren Beatty, he went into Hollywood saying, “These are the only directors I will work with,” and that inspired me to change direction – but only by doing something I never thought possible! I consider myself lucky if anyone wants to collaborate with me.
For years, the word “no” wasn’t part of my vocabulary – it took me 60 years to learn that it can be an entire sentence. For too long, though, I felt powerless; if someone offered me a role, I took it without question or hesitation. Unfortunately, this lack of agency led to dissatisfaction in my career; when someone offered me something new
How can you cultivate resilience during trying times?
I believe resilience is something you are born with, and for me personally it was something of a saving grace. Growing up, I could have easily gone down a dark hole but my resilience kept me alert to anyone offering love or teaching me something valuable.
Resilient people can turn their wounds into swords and ploughshares; they become the strongest and most powerful warriors for good; God comes to us through our scars, not awards or accolades. On average women tend to be more resilient than men in my experience; men seem more fragile overall.
War often begins as a result of frailty…
Globally, maleness is not toxic in itself – it’s the social manifestation of it we call “masculinity”. Without changing this dynamic, our species won’t survive as a viable entity. This isn’t mere rhetoric – this is real and the reason why the earth is being destroyed.
Men aren’t inherently evil; rather, they must constantly prove themselves worthy of respect. My understanding of the Vietnam War was further cemented when the Pentagon Papers emerged and later, Doris Kearns Goodwin’s biography of Lyndon Johnson: men felt threatened if they pulled out, even when presidents and their advisers knew we couldn’t win it.
That realization has never left me; I joke about calling it “premature evacuation,” but this is exactly the issue: men fear losing their masculinity if they leave early. This has always troubled me since then.
Which actors do you most admire?
There is a group of actresses that I consider to be at the pinnacle of brilliance: Meryl Streep, Annette Bening and Nicole Kidman. There are many others, but these three stand out for their ability to embodied the human being they portray; it’s no longer acting; they become that person.
That is what Lee Strasberg taught…
Well, yes! Sandy Meisner, Uta Hagen and Stella Adler were just some of the teachers who provided assistance to actors in learning techniques that would enable them to enter someone else’s reality.
Which character from all those you’ve played are you most proud of?
Bree Daniels in Klute and Gertie Nevels in The Dollmaker are two characters I am particularly proud of; both were hillbillies who lived a world apart from me – an experience for which I won an Emmy award. Through those characters, I worked tirelessly to enter their reality – both are incredible achievements in my opinion – as well as Klute itself.
What do you want to accomplish that you haven’t yet?
I dream of building a small cabin that is totally off the grid. It would have chickens, rabbits, my dogs and some peace and quiet. Ideally it would be high on a mountain with trees. And even though I doubt my writing abilities are that great, one day I hope to publish an impactful book–my last one–that will leave a legacy for future generations.
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