They don't teach you "adulting" in school. But lucky for you, I'm here to explain to you the pros and cons of acquiring a credit card. Of course, there comes more responsibility with a credit card, but it also holds a certain amount of respectability and authenticity. I admit, I see my friends that pay with a credit card as having their life more together than I have mine. But the question still holds — do you really need the hassle?


Pros

Theft

If your credit card gets stolen or lost, one phone call to your company can cancel the credit card and erase the identity thief's doings. However, with a debit card, they can just spend your money without any hindrance. A friend of mine had someone take $300 from their debit card, it took weeks to get the money back.

Cash Back and Discounts

For some credit cards, you can earn cash back for things you shop for and for others, you can earn double the cash back during the first year. It comes in handy if you use the listed services a lot — for example, Amazon. You can also get discounts at places like Stop and Shop, Under Armour or Ulta just to list a few. But be careful — just because you get a discount, doesn't mean it's not money spent.

Monthly Subscriptions

If you subscribe to monthly services like me, a credit card comes in handy when maybe you don't have that five dollars you need at the moment. Music apps, subscription boxes and delivery services can all fall under this category. It's also nice because you don't have to worry about it every month and it'll just automatically charge.

Easy to Build Credit

When you're a college student, it's easier to build credit than say, a person buying their first apartment. Little expenses are easier to pay off and deal with in a timely manner and thus better to have while building credit.

Big Purchases

If you're looking to finance a home or a car, lenders will ask to check your credit report. Of course having a bad credit will decrease your chances, but having no credit at all tells them absolutely nothing about the way you handle money. Also, places like UHaul and various hotels won't take debit cards for reservations which can be a problem if you need those services.

Cons

Debt, debt and more debt

It is literally so easy to swipe a tiny plastic card — trust me. It's easier than anything in the world, especially when your credit limit is much higher than what you have in the bank. Without thought, you can rack up an unspeakable amount of debt in just a few months. And if you're an impulse shopper like me, this can be a huge problem.

Ruining Your Credit

It's also very easy to ruin a credit that you've spent some time building up. When you miss a payment or when someone pulls your credit, it will decrease and harm you in the future. If you're a college student without a stable hourly job, this can really hurt you.

Inactivity

Having a credit card and not using it is actually more harmful than not having one. Credit card companies track your usage and you can actually accrue fees if you don't use it. Basically, if you remain inactive, you'll be spending money on nothing.

So, taking these things into mind, you decide: is it worth it to take on these hassles? Is having a credit card just a made up step in the road to adulthood?

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Over the past month, both Haiti and Afghanistan have been pummeled by tragic disasters that left devastation in their wake.

In Haiti, a 7.2 magnitude earthquake erupted, leading over to 2,189 deaths and counting. A few hours later, in Afghanistan, Kabul fell to the Taliban just after U.S. troops had pulled out after 20 years of war.

In many ways, these disasters are both chillingly connected to US interference. The United States invaded Haiti in 1915, ostensibly promising to restore order after a presidential assassination but really intending to preserve the route to the Panama Canal and to defend US creditors, among other reasons.

But the US forces soon realized that they were not able to control the country alone, and so formed an army of Haitian enlistees, powered by US air power and intended to quell Haitian insurrection against US controls. Then, in 1934, the US pulled out on its own, disappointed with how slow progress was going. Haiti's institutions were never really able to rebuild themselves, leaving them immensely vulnerable to natural disasters.

Something similar happened in Afghanistan, where the US sent troops and supported an insurgent Afghan army – only to pull out, abandoning the country they left in ruins, with many Afghans supporting the Taliban.

In both cases, defense contractors benefited by far the most from the conflict, making billions in profits while civilians faced fallout and devastation. While the conflicts and circumstances are extremely different and while the US is obviously not solely to blame for either crisis, it's hard not to see the US-based roots of these disasters.

Today, in Haiti and Afghanistan, civilians are facing unimaginable tragedy.

Here are charities offering support in Afghanistan:

1. The International Rescue Committee is looking to raise $10 million to deliver aid directly to Afghanistan

2. CARE is matching donations for an Afghanistan relief fund. They are providing food, shelter, and water to families in need; a donation of $89.50 covers 1 family's emergency needs for a month.

3. Women for Women International is matching donations up to 500,000 for Afghan women, who will be facing unimaginable horrors under Taliban control.


4. AfghanAid offers support for people living in remote regions of Afghanistan.

5. VitalVoices supports female leaders and changemakers and survivors of gender-based violence around the world.

Here are charities offering support in Haiti:

1. Partners in Health has been working with Haiti for a long time, and they work with the Department of Health rather than around them, which is extremely important in a charity.

2. Health Equity International helps run Saint Boniface Hospital, a hospital in Haiti close to the earthquake's epicenter.

3. SOIL is an organization based Haiti, "a local organization with a track record of supporting after natural disasters." They are distributing hygiene kits and provisions on the ground to hospitals and to victims of the earthquake.

4. Hope for Haiti has been working in emergency response in Haiti for three decades, and their team is comprised of people who live and work in Haiti. They focus on supporting children and people in need across Haiti.

via Tiffany & Co.

When the new Tiffany's campaign was unveiled, reactions were mixed.

Tiffany's, the iconic jewelry brand which does not (despite what some might be misled to believe) in fact serve breakfast, featured Jay Z, Beyoncé, and a rare Basquiat painting in their recent campaign.

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Road trips can be a lot of fun — but they can also drain your wallet quickly if you aren't careful.

From high gas costs and park admission fares to lodging and the price of eating out every night, the expenses can add up quickly. But at the same time, it's very possible to do road trips cheaply and efficiently. Without the headache of worrying about how much money you're leaking, you can enjoy the open road a whole lot more. Here's how to save money on a road trip.

1. Prepare Your Budget, Route, and Packing List in Advance

If you want to save money on a road trip, be sure you're ready to go. Try to count up all your expenses before you hit the road and create a budget. It's also a good idea to plan your route in advance so you don't end up taking unnecessary, gas-guzzling detours. And finally, be sure to pack in advance so you don't find yourself having to buy tons of things you forgot along the way.

2. Book Cheap Accommodations — Or Try Camping

All those motel rooms can add up surprisingly quick, but camping is often cheap or free, and it's a great way to get intimate with the place you're visiting. You can check the Bureau of Land Management's website for free campsites. Freecampsite.com also provides great information on If you don't have a tent or don't want to camp every night, try booking cheap Airbnbs or booking hotels in advance, making sure to compare prices.

Camping camping road tripConde Nast Traveler

If you're planning on sleeping in your car, a few tips: WalMart allows all-night parking, as do many 24-hour gyms. (Buying a membership to Planet Fitness or something like it also gives you a great place to stop, shower, and recharge while on the road).

3. Bring Food From Home

Don't go on a road trip expecting to subsist on fast food alone. You'll wind up feeling like shit, and it'll drain your pocketbook stunningly quickly. Instead, be sure to bring food from home. Consider buying a gas stove and a coffee pot for easy on-the-go meals, and make sure you bring substantial snacks to satiate midday or late night cravings so you can avoid getting those late night Mickey D's expeditions.

Try bringing your own cooler, filling it with easy stuff for breakfast and lunch — some bread and peanut butter and jelly will go a long way. Bring your own utensils, plates, and napkins, and avoid buying bottled water by packing some big water jugs and a reusable water bottle. Alternatively, try staying at hotels or Airbnbs with kitchens so you can cook there.

4. Avoid Tolls

Apps like Google Maps and Waze point out toll locations, so be sure to avoid those to save those pennies. (If it takes you too far off route, you might have to bite the bullet and drive across that expensive bridge).

You can also save on parking fees by using sites like Parkopedia.

Road Trip Road TripThe Orange Backpack


5. Save on Gas

Gas can get pricy incredibly fast, so be sure that you're stopping at cheap gas stations. Free apps like GasBuddy help you find the most affordable gas prices in the area. Also, try going the speed limit on the highways — anything faster will burn through your tank. Be sure that you don't wait till you arrive at touristy locations or big cities to fill up.

6. Get a National Park Pass

All those parks can get really expensive really fast. If you're planning on visiting three or more parks, it's a great idea to get an America the Beautiful National Parks Pass. For $80 you can get into every National Park for one year.