Best Credit Cards To Choose From Credit cards can be a helpful financial tool, allowing individuals to build credit and earn rewards. However, if used improperly, they can also lead to debt and financial difficulties. It’s essential to understand the dos and don’ts of using credit cards responsibly to avoid accumulating debt. Here are the do’s and don’ts of credit card debt: 1. Do: Look into the benefits and drawbacks of every credit card you get Before signing up for a credit card, make sure to research the benefits and drawbacks of each card to find one that fits your needs and spending habits. Look at the rewards programs, fees, interest rates, and other features of the card to make an informed decision. Look for the best cash back credit cards, low interest credit cards, or whatever credit card best suits your needs. 2. Don’t: Pay back your credit card debt late Late payments can result in high fees and a negative impact on your credit score. Make sure to pay at least the minimum payment on time each month, and try to pay off the balance in full whenever possible to avoid interest charges. 3. Do: Check your credit card statements Review your credit card statements regularly to ensure that all charges are accurate and that there are no unauthorized transactions.

In the world of philanthropy, where heartfelt donations to charities like St. Jude or American Cancer Society can make a significant impact, it’s essential for donors to be informed about how their contributions are utilized. While many cancer charities efficiently allocate funds to support research, patient care, and awareness initiatives, some have raised eyebrows with their high cost-to-donation ratios. As individuals seek meaningful ways to donate to charity in memory of someone or support causes like breast cancer through organizations such as Breast Cancer Alliance, it’s crucial to scrutinize the financial transparency of these entities. Let’s delve into the top six cancer charities that, shockingly, have high cost-to-donation ratios. 1. Cancer Survivors’ Fund (Missouri City, Texas) The Cancer Survivors’ Fund stands out for its commitment to supporting cancer survivors in rebuilding their lives. Based in Missouri City, Texas, this organization focuses on providing financial assistance to survivors, helping them overcome the economic challenges often associated with cancer treatment. From educational scholarships to direct financial aid, the Cancer Survivors’ Fund strives to empower survivors on their journey to recovery. 2. Childhood Leukemia Foundation (Brick, N.J.) Dedicated to the youngest warriors in the battle against cancer, the Childhood Leukemia Foundation in Brick, New Jersey, focuses on improving the lives of children battling leukemia.