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Travel Make a splash: the world's incredible water displays

18:35  04 december  2020
18:35  04 december  2020 Source:   loveexploring.com

Too Much of This Popular Candy Can Be Potentially Fatal, Study Says

  Too Much of This Popular Candy Can Be Potentially Fatal, Study Says According to a new study, consuming too much of this specific, popular candy can actually be potentially fatal over time.The case report, which was recently published in the New England Journal of Medicine, focused on the recent case of a 54-year-old man who collapsed in a restaurant and went into sudden cardiac arrest. Researchers found that besides having a heroin use disorder, being a pack-a-day smoker of 36 years, and having untreated hepatitis C infection, the man's "poor" diet was also based heavily on sweets, "consisting primarily of several packages of candy daily.

The world in water . Water way for a city or state to make a splash ! From ornate sculptures and funky fountains to downright epic displays in their own right, water has never looked so cool.

Splash : These stunning images are created by artist Jack Long through a secret process of using coloured water and pinpoint timing to photograph the shapes. ‘In some of the images the background itself is actually a flowing wall of water , that would ripple and at times even occasionally produce gaps.

a woman sitting at a table © Provided by The Points Guy
MSN has partnered with The Points Guy for our coverage of credit card products. MSN and The Points Guy may receive a commission from card issuers.

Credit Cards Week banner for the 2020 TPG Awards © The Points Guy Credit Cards Week banner for the 2020 TPG Awards

As Credit Cards Week at the 2020 TPG Awards concludes, we want to shift our focus from this year into the future. While this year has presented unprecedented difficulties, we nevertheless saw a range of innovation from card issuers — and this fall has seen a wealth of new, limited-time offers.

However, as we look ahead to 2021, how can issuers can drive card members’ long-term loyalty?

The #1 Cooking Hack That Will Change Your Life

  The #1 Cooking Hack That Will Change Your Life Many of us are cooking at home more often during the pandemic, and one kitchen fire tip is super important to remember in case things to awry.The National Fire Protection Association (NFPA) recently said that house fires went up in March through May, according to The Takeout. Eight states in particular, including Kentucky, North Carolina, Ohio, Oregon, Wisconsin, and more all reported more fire outbreaks. The NFPA says there also could be other states, too. (Related: The #1 Most Dangerous Way to Cook an Omelet.

Water Splash Official Community. This is the most Fabulous game! Have a Fun Splash Time! Help Oris save his Water Splash friends from Croker!

The Making a Splash trope as used in popular culture. Many philosophers, like Lao Tzu above, wax poetic far beyond Sesquipedalian Loquaciousness about how nothing in the world is weaker and more malleable than water , and yet water wears away the hard and strong.

These companies generally only make money when you use your card. So, card issuers usually don’t make a profit on cardmembers that sign-up for cards offering large bonuses, shelve the card after earning the bonus and close the card a year or two later.

We asked readers several survey questions while voting for the TPG Awards winners this year. Interestingly, 39% of respondents plan to apply for a new credit card in 2021. And some consumers — including many of us at The Points Guy — sign up for multiple cards most years to chase limited-time card offers.

Related: 7 cards TPG staffers added to our wallets this quarter

That said, card issuers need to drive long-term loyalty from cardmembers to maximize their profits. And, the effort of credit card issuers to drive long-term loyalty can benefit cardholders. So here are seven ways I believe card issuers can improve card member loyalty.

This Chain Restaurant Is Secretly the Best Bang for Your Buck

  This Chain Restaurant Is Secretly the Best Bang for Your Buck If you're looking to eat healthy on a budget, look no further than this sandwich chain. Subway's salads are a great value—here's why.And for more, check out these 52 Life-Changing Kitchen Hacks That'll Make You Enjoy Cooking Again.

Fortunately, there are plenty of water parks around the world that can test your courage. We've made a list of 21 Best Things to do in Dubai on our personal experience in Dubai. Aquatica: Sea World ' s Water Park, Orlando, Florida. This aquatic wonderland is where you’ll find 80,000 square feet

And the burgeoning heartland of these water parks is the United Arab Emirates, where two new developments are ensuring that 2013 is a year for lightly chlorinated excitement. Down the slide in Deutschland. Germany might not seem an obvious destination for water -park thrills, but it manages a

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In This Post

Make it easy to keep and use cards

(Photo by Orli Friedman/The Points Guy) © The Points Guy (Photo by Orli Friedman/The Points Guy)

There are two types of cards that I automatically keep in my wallet:

  • No-annual-fee credit cards
  • Hotel credit cards with a free night that more than the annual fee

Although I rarely use some of these cards, I can easily justify paying their annual fees. Even in the case of the hotel credit cards with modest annual fees, I’m happy to keep the cards for their annual, free-night certificates.

But, card issuers don’t benefit from consumers who keep their cards without putting any spending on the cards. We’ve even seen some card issuers close or decrease the credit limit on unused and underutilized cards. So, especially in the case of no-annual-fee cards, card issuers need to encourage consumers to use their cards. This is likely why Chase recently improved the Chase Freedom Unlimited‘s earning rates and created the Chase Freedom Flex.

McDonald's Just Added Another Celeb Meal to Their Menu

  McDonald's Just Added Another Celeb Meal to Their Menu Coming off their hugely successful collaboration with superstar rapper Travis Scott, McDonald's has another celebrity meal in store for fans.Coming off their hugely successful collaboration with superstar rapper Travis Scott, the fast food giant just announced a brand new celebrity collaboration, which was kicked off on Monday. (Related: 100 Unhealthiest Foods on the Planet.

The Jazz Age, an exciting new world inhabited by human and spirits. Shop our selection of black and white, nude and portrait photography from the world ' s best art galleries. Making a splash : Water droplets frozen in high speed photographs by Markus Reugels.

JUst a splash with Incredible Arjuno Boys :D. Playing Temple Run 2 for 1 year, but every like makes it faster ( World record 1 YEAR) Foxi 1 293 зрителя.

The information for the Chase Freedom Flex has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

Card issuers can drive long-term loyalty through the combination of benefits that justify annual fees and incentives for cardholders to use their cards. However, as I’ll discuss in other sections of this guide, improved earning rates aren’t the only way to encourage card members to use their cards.

Related: Why you should get (and keep) a no-annual-fee credit card

Unique, must-have perks

a close up of a building: Centurion Lounge access is a compelling reason to be loyal to American Express. (Photo by Zach Griff/The Points Guy) © The Points Guy Centurion Lounge access is a compelling reason to be loyal to American Express. (Photo by Zach Griff/The Points Guy)

Some cards offer unique must-have perks that can encourage long-term cardholder loyalty. For example, here are some cards that a cardholder may keep long-term because they don’t want to lose one or more of the card’s perks:

  • The Platinum Card® from American Express and The Business Platinum Card® from American Express: Amex Centurion Lounge access when flying any airline and access to Delta Sky Clubs when flying Delta on a same-day flight
  • Hilton Honors American Express Aspire Card: Top-tier Hilton Diamond status
  • Citi® / AAdvantage® Executive World Elite™ Mastercard®: Admirals Club membership, which provides Admirals Club access when flying American (plus the ability to add authorized users for no fee and get them club access)

Out of these perks, only Centurion Lounge access is unique to being a cardmember. After all, you could buy a Delta Sky Club or Admirals Club membership or earn Hilton Diamond status organically — though being a cardmember is often a less-expensive way of gaining these perks.

These Chips at Aldi are Being Recalled

  These Chips at Aldi are Being Recalled A recall of cinnamon apple chips sold at Aldi and on Amazon has been issued because of possible Salmonella contamination.Both snacks are produced by the Seneca Snack Company, who voluntarily issued the recall. The Seneca Cinnamon Apple Chips come in a 0.7 ounce or 2.5-ounce package. The 0.7-ounce variety has a UPC code of 0 18195-70140 4 and an individual package code of 26JUN2021. The larger bag has a UPC code of 0 18195-70100 8 and an individual package code of 28JUN2021. The Clancy's Cinnamon Apple Chips also comes in a 2.5-ounce bag and has two possible individual package codes of 26JUN2021 and 27JUN2021. (Related: 100 Unhealthiest Foods on the Planet.

Perks such as Centurion Lounge access also provide emotional value to some cardholders. For example, I know I’m not getting enough value from my Amex Business Platinum Card to justify paying the $595 annual fee (see rates and fees) right now. But, I’m irrationally keeping the card, because I know I’ll want Centurion Lounge access once the pandemic subsides and I hit the road again. As such, card issuers can lean into these unique, must-have perks to improve long-term loyalty.

One other type of unique must-have perk that often encourages me to keep and use a card is a high earning rate on a spending category that I use frequently. For example, I currently keep the Citi Premier® Card in my wallet for an effective 5.1% return at gas stations (based on TPG’s most recent valuations). However, I’ll only stay loyal as long as another card doesn’t rival the earning rate and my spending level in the category remains high. So, as I discuss later in this guide, card issuers must frequently reassess their perks to remain relevant.

Finally, it’s worth pointing out one of the most notable trends of the past year: growth in cobranded perks. In 2020 alone, we’ve seen the following new partnerships launch:

  • Chase and DoorDash, Lyft and Peloton
  • American Express and Equinox
  • Capital One and Uber

As card issuers seek to further engage with their customers’ lives in 2021, adding new, exciting partnerships and offers would drive notable long-term loyalty.

Controlling This Hormone May Help Lower Blood Sugar, Study Finds

  Controlling This Hormone May Help Lower Blood Sugar, Study Finds A new study published in the journal Psychoneuroendocrinology reveals a connection between sustained cortisol levels and higher blood sugar levels.A recent study published in the journal Psychoneuroendocrinology, found that those who exhibited flatter cortisol profiles had higher blood glucose (sugar) levels. Cortisol levels that appear to remain flat throughout the day is often a result of stress levels that are too high and even depression. According to the study, having sustained levels of cortisol can make it more challenging to regulate blood sugar levels and ultimately manage the condition.

Related: Is your premium travel card offering enough perks during the pandemic? A card-by-card guide

Surprise-and-delight campaigns

a hand holding a cellphone: A surprise gift from a loyalty program or card issuer can help improve loyalty. (Photo by South_agency/Getty Images) © The Points Guy A surprise gift from a loyalty program or card issuer can help improve loyalty. (Photo by South_agency/Getty Images)

If you frequently visit a local small business, you may find that the merchant sometimes offers you a complimentary surprise. For example, your favorite restaurant might provide you a free dessert. Your favorite coffee shop might offer you a free cup of coffee. And your local golf course may give you a complimentary bucket of range balls. All of these perks are to recognize and reward your loyalty.

Some card issuers have also recognized their most valuable customers with surprises. For example, Amex has sent holiday gifts to targeted customers and has occasionally sent Centurion cardholders gifts. And Amex has even surprised Centurion lounge visitors with holiday gifts a couple of years ago.

Related: American hyped holiday cheer and gifts, but delivered me disappointment

But card issuers could make their surprise and delight campaigns more personal and targeted. For example, suppose Chase knows you use your Chase Freedom Unlimited every morning for a $5 purchase at a coffee shop. In that case, the issuer could occasionally provide you a $5 statement credit for your purchase at that coffee shop. And, if Amex knows you used your Amex Platinum Card to book flights to Hawaii and a Fine Hotels & Resorts hotel in Hawaii, the issuer could deliver a note and small gift to your room.

Cheesecake Factory Is Closing This Business For Good

  Cheesecake Factory Is Closing This Business For Good The Cheesecake Factory Inc. just announced the permanent closure of its Southeast Asian concept, which opened its doors in 2008.The casual-dining restaurant group just announced the closure of RockSugar Southeast Asian Kitchen, an Asian fusion restaurant in Los Angeles owned and operated by the restaurant group. The eatery, which featured menu items inspired by cuisines from Vietnam, Thailand, Malaysia, Indonesia, and East India, will shut down operations at the end of the year. The concept was launched in 2008, a time when Southeast Asian food lacked representation on the Asian food scene, especially in the realm of casual dining.

These surprise and delight gestures can build long-term cardmember loyalty. I was in the TPG office once when Brian Kelly, our founder and CEO, received a Centurion cardholder gift, and I can attest that he was sincerely pleased. Likewise, my parents are loyal to Capital One, primarily due to a positive experience many years ago. So, although some cardholders may not be impressed by small gifts, surprise-and-delight campaigns have the potential to boost long-term loyalty for relatively little cost.

Related: 8 ways for elite status perks to remain relevant during the pandemic

Valuable rewards

a couple of lawn chairs sitting on top of a sandy beach: Being able to transfer Chase Ultimate Rewards points to World of Hyatt may keep you loyal to Chase. (Photo by Victoria Walker/The Points Guy) © The Points Guy Being able to transfer Chase Ultimate Rewards points to World of Hyatt may keep you loyal to Chase. (Photo by Victoria Walker/The Points Guy)

When voting for TPG Awards winners, we asked respondents to select their three most important considerations when applying for a new credit card. The top three responses were:

  • Type of points or miles earned (53%)
  • Welcome bonus (47%)
  • Value of rewards (41%)

This makes it clear that TPG readers care about rewards. As such, to drive long-term loyalty, card issuers need to maintain the value of the rewards offered. For transferrable currencies, this means periodically adding new transfer partners, improving transfer ratios, launching transfer bonuses and boosting the value of non-travel redemptions.

And as new card products enter the market or improve their rewards structure, card issuers must reevaluate their rewards’ competitiveness to maintain current cardholders.

Related: Why you should double down on credit card points right now

Personalized perks and bonuses

a child looking at a laptop: A personalized offer may bring joy to your face. (Photo by JGI/Jamie Grill/Getty Images) © The Points Guy A personalized offer may bring joy to your face. (Photo by JGI/Jamie Grill/Getty Images)

Card issuers offer targeted offers through programs like Amex Offers, Chase Offers and Bank of America’s BankAmeriDeals. And these targeted offers are often something I consider when deciding whether it’s worth keeping a card. However, by taking these targeted offers to the next level, issuers could seriously drive long-term loyalty.

9 Best Whiskey Glasses To Gift This Holiday Season

  9 Best Whiskey Glasses To Gift This Holiday Season It is never too early to start getting ready for the holiday season. Getting a jump on things and picking up gifts now will save you a lot of time and stress if you wait to do it. Halloween is just about to end, and the time to swap gifts will be here in no time at all. If you know who is gonna get gifts from you this year, you need to start looking for the best items possible for them. Make a list and then whittle it down until you got the right stuff ready to go. For example, if you have someone who loves a nice stiff whiskey drink, you might want to gift them some whiskey glasses. To the surprise of no one, there are so many options for whiskey glasses out there. So many that it might give you a big ole headache. A lot of them look like they could be good choices. But looks can be deceiving. And if you don’t want to look for, you could make a mistake. Luckily, you got us in your corner. We are here to help make your holiday shopping a little easier. Below, you will see 9 amazing options for whiskey glasses that are sure to be a big hit for any whiskey lover out there. These will give you the comfort and style they want when drinking a classy drink like some nice aged whiskey. So make your life a little easier and get the gift for a whisker lover early and pick up some of these whiskey glasses below.

Specifically, card issuers know which of their cards you have, and they know what the average consumer in your demographic spends. So, card issuers could attempt to snatch loyalty from other issuers by offering bonus spending opportunities in categories where you aren’t currently spending on their cards. Of course, for the loyalty to be long-term, issuers would need to find the sweet spot that keeps you spending on their cards, but it would be a solid strategy to pursue.

Card issuers could also boost long-term loyalty by offering customized benefits and earning rates. For example, just as you can choose a preferred airline for your airline fee credit on the Amex Platinum, perhaps you could also select one hotel or restaurant for 10x earning. Or maybe card issuers can offer targeted challenges that let you earn rewards based on your spending and redemption activities. There are many ways card issuers could increase engagement and hence drive long-term loyalty.

Related: Which card should I use? A pandemic-era guide to navigating card perks and benefits

Educate cardholders about card benefits

a person sitting at a table using a laptop: It can be difficult to figure out how to maximize credit card benefits and rewards on your own. (Photo by fizkes/Shutterstock) © The Points Guy It can be difficult to figure out how to maximize credit card benefits and rewards on your own. (Photo by fizkes/Shutterstock)

When speaking with family and friends, I’m often surprised to learn how little they know about their card benefits. And it’s been great to see some of these friends and family members begin to use card benefits such as lounge access, purchase protection and trip delay protection after a short crash course. Some of these same friends and family have also started to transfer rewards to partners instead of merely booking travel through the card issuer’s travel portal.

For most of my friends and family, this knowledge of how to use their card keeps them loyal. They could earn more rewards by switching to another card or program, but they instead stay with the card and program they know. So card issuers could boost long-term loyalty by providing better education about their card benefits and rewards.

Related: 10 credit cards that can get you $1,000 or more in first-year value

High-quality customer support

a man using a laptop computer sitting on top of a book shelf: (Photo by 10’000 Hours/Getty Images) © The Points Guy (Photo by 10’000 Hours/Getty Images)

Only 15% of respondents to our TPG Awards survey chose customer service as one of the three most important considerations when applying for a new credit card. I can’t fault most respondents for not ranking customer service ahead of other options such as sign-up bonus, value of rewards and annual fee. Nonetheless, customer service can make or break a card member’s long-term loyalty.

For example, I’ve almost always gotten knowledgeable and friendly phone representatives when calling American Express. On the other hand, I’ve been so frustrated with Citi’s phone support and website at times that I’ve considered calling it quits on my Citi credit cards. And my parents won’t carry any Chase credit cards due to a poor experience many years ago.

Providing high-quality customer service is an underrated but critical element of long-term cardmember loyalty.

Related: How have card issuers measured up during the pandemic

Bottom line

Loyalty is a difficult aspect for card issuers to master. After all, some card members remain loyal to a card simply because it was their first card or they like the design. Meanwhile, other card members chase welcome bonuses, low interest rates or 0% ARP offers. And some cardholders use their cards in illogical ways.

All that said, card issuers have a strong financial incentive to figure out what will make you loyal in the long-term, and this is especially true if you are one of the issuer’s most valuable card members. I expect we’ll see card issuers drastically increase cardmember loyalty as they shift toward better personalization of offers and benefits.

For rates and fees of the Amex Business Platinum Card, please click here.

Featured image by Bloemenmarkt/Getty Images.

SPONSORED: With states reopening, enjoying a meal from a restaurant no longer just means curbside pickup.

And when you do spend on dining, you should use a credit card that will maximize your rewards and potentially even score special discounts. Thanks to temporary card bonuses and changes due to coronavirus, you may even be able to score a meal at your favorite restaurant for free.

These are the best credit cards for dining out, taking out, and ordering in to maximize every meal purchase.

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Editorial Disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airlines or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

9 Best Whiskey Glasses To Gift This Holiday Season .
It is never too early to start getting ready for the holiday season. Getting a jump on things and picking up gifts now will save you a lot of time and stress if you wait to do it. Halloween is just about to end, and the time to swap gifts will be here in no time at all. If you know who is gonna get gifts from you this year, you need to start looking for the best items possible for them. Make a list and then whittle it down until you got the right stuff ready to go. For example, if you have someone who loves a nice stiff whiskey drink, you might want to gift them some whiskey glasses. To the surprise of no one, there are so many options for whiskey glasses out there. So many that it might give you a big ole headache. A lot of them look like they could be good choices. But looks can be deceiving. And if you don’t want to look for, you could make a mistake. Luckily, you got us in your corner. We are here to help make your holiday shopping a little easier. Below, you will see 9 amazing options for whiskey glasses that are sure to be a big hit for any whiskey lover out there. These will give you the comfort and style they want when drinking a classy drink like some nice aged whiskey. So make your life a little easier and get the gift for a whisker lover early and pick up some of these whiskey glasses below.

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