Is the Banana Republic Credit Card Right For You Full Review

Is the Banana Republic Credit Card Right For You Full Review SAT / ACT Prep Online Guides and Tips The Banana Republic credit card is a solid option for frequent shoppers looking to earn points, but like many store brand cards, it’s not without it’s pitfalls. You may be wondering: what are the pros and cons of the Banana Republic credit card? Do I have to be a frequent shopper at Banana Republic to reap any benefits? What do users say about this card, and how does it stack up against similar cards? Is this card right for me? In this post, we’ll answer all these questions and more, doing an in-depth review of the Banana Republic credit card so you can make a fully informed decision about whether or not to apply. What Is the Banana Republic Credit Card? First, let’s discuss the basics. Banana Republic is one of the brands under the Gap, Inc. umbrella, which also includes The Gap, Old Navy, and Athleta. There are technically two Banana Republic cards: the Bananacard and the Banana Republic Visa Card. When you sign up, depending on your credit, you'll be given one of them. If you have poor to limited credit, you’ll be given the Bananacard. The Bananacard is a basic store card. A store card works like a credit card except it can only be used at the brand or umbrella brands that issues it. It won’t work if you try to use it to purchase anything anywhere else. So the Bananacard can only be used in-store or at any of the other Gap Inc. brands. If you have good credit, you’ll be given the the Banana Republic card. The Banana Republic card is an actual Visa credit card, so it can be used at any of those stores but also be anywhere else Visa is accepted. It’s a chip card with standard fraud protection services, and the primary cardholder can add an authorized user. Regardless of the card you get, you will receive 20% off your first purchase at any Gap, Inc. store by signing up. In this post, we will focus on the Banana Republic Visa card and its upgrade, the Banana Republic Luxe card. If you love to shop at BR, this could be a great card for you- but there are a few caveats! What Are the Banana Republic Credit Card Features and Rewards? As stated above, when you open a Banana Republic Visa credit card, you will receive a 20% discount off the first purchase made with that card at a Gap-branded store. Beyond that, each purchase made by the credit card earns points. Cardholders receive: 3,000 bonus points (worth $30) when you make your first purchase outside the Gap, Inc. brands five points for every $1 spent at any Gap, Inc. brand, and one point for every $1 spent elsewhere. no annual fee for the card These points can be used on purchases made both online and in person. If you don’t use the points during the billing cycle you earn them in, they are rolled over into the next cycle for up to two years before they expire. In addition to points, cardholders also receive: access to exclusive sales and events throughout the year at Banana Republic and their factory stores birthday coupons every Tuesday, 10% off at every affiliated store except Banana Republic Signing up for email account updates will get you 500 bonus points, and opting in for paperless statements gets you another 500, for a fairly easy $10 back. One big benefit of the Banana Republic Visa card is the lack of an annual fee. The Banana Republic Luxe Upgrade If the cardholder meets certain criteria, they can upgrade to the Banana Republic Luxe card. These criteria are that the cardholder: must earn 5,000 reward points annually, ie, spend $1,000 or more with it per year, must keep the account in good standing, and must make the minimum payments due. Luxe Upgrade Benefits The Luxe card offers some additional benefits that the regular visa doesn’t, including: a quarterly bonus of 20% of the points earned that quarter (a three-month period, so four times a year), once per quarter, a choose-your-own-sale day in which triple the regular points (15 points per dollar spent or 15% back) are awarded, free three-to-five-day shipping of online purchases at any of the Gap, Inc. brands, and unlimited alterations of Banana Republic merchandise. You have to use your Banana Republic Luxe card at least once per year at a Gap, Inc. store to maintain Luxe status. There is no annual fee on the Luxe card either. Free shipping is a great perk of the Luxe card for online shoppers! What are the Downsides of the Banana Republic Visa Card? The Banana Republic Visa card does have several drawbacks. The biggest downside is that, like most store credit cards, there is a very high interest rate charged on Banana Republic Visa cards, and there’s no reduced rates initially. They have a 25.24% APR, which is actually even higher than the 23.88% average for store credit cards. This means that you absolutely shouldn’t hold a balance from month to month: you should pay off your balance in full each month to avoid very high fees. Secondly, it should be noted that the points do expire after twenty-four months. You also can’t redeem more than 25,000 points (up to $250) in a single billing period or more than three rewards earnings on any one purchase. Together, these limitations make it necessary to redeem your points very regularly in the small amounts allowed in order to maximize your benefits. They do this because this encourages more frequent shopping on your part! Moreover, there is a 3% foreign transaction fee, so this card would not be a good choice to use abroad. Another thing to consider is that some of the promotions and coupons that cardholders receive get â€Å"leaked† online, so you can search for, find, and use the codes pretty easily via sites like Retailmenot. Finally, the card is issued by Synchrony Financial, and customer reviews for Synchrony aren’t that great. Many cardholders report confusing contract terms, slow response times when fixing statement inaccuracies, and bad customer service. However, it’s hard to find good reviews of any consumer financial services company, so take this with a grain of salt. Lots of people open store cards around the holidays to try and save money on gifts! The Bottom Line: Is the Banana Republic Card For Me? If you are a frequent or even a semi-frequent shopper at Banana Republic, Gap, Old Navy, Athleta, or any of the Gap, Inc. brands, this card has a very competitive rewards structure and would be a good choice for you. The 5% cash-back on all of their many brands combined with the lack of annual fee make it good for shoppers looking to save money. Plus, the free shipping and alterations for Luxe cardholders are an excellent perk. Families with children and parents who frequently the many Gap, Inc. brands will find this card especially helpful. However, you need to be able to pay the full balance on the statement every month. Otherwise, with its extremely high APR, it will become more expensive than it’s worth. If you rarely shop at Banana Republic, Gap, Old Navy, Athleta, or any of the Gap, Inc. brands, this card isn’t for you. The 1% points deal on all other purchases is only about average for a credit card, and you should be able to get better deals depending on where your money does go. Note that most retailer cards also have a high interest rate and no annual fee, so these perks won’t help you decide between store cards. But if you don’t shop at Gap, Inc. brands or any other one store or company that often, it’s a better idea to go for a more general credit card anyway, which often offer better financing options for those who need to carry a balance- especially considering that the "point" reward system will not be useful to you, since it's different from cash back. If you're thinking about getting the Gap visa card instead, note that the two cards are almost identical in terms of costs and benefits (very literally- the Gap card has the exact same rewards structure and it also applies to all Gap, Inc. brands). The only exception being on the first Tuesday of every month, Gap cardholders get 10% off at Gap.com and in Gap stores.

Relationship Between Deviance and Mental Illness

Relationship Between Deviance and Mental Illness Deviance and mental illness often go hand-in-hand. While not all deviants are considered mentally ill, almost all mentally ill persons are considered deviant (since mental illness isn not considered normal). When studying deviance, then, sociologists also often study mental illness. The three main theoretical frameworks of sociology regard mental illness a little differently, however they all look to the social systems in which mental illness is define, identified, and treated. Functionalists believe that by recognizing mental illness, society upholds values about conforming behavior. Symbolic interactionists see mentally ill persons not as sick, but as victims of societal reactions to their behavior. Finally, conflict theorists, combined with labeling theorists, believe that the people in a society with the fewest resources are the most likely to be labeled mentally ill. For instance, women, racial minorities, and the poor all suffer higher rates of mental illness than groups of higher social and economic status. Further, research has consistently shown that middle- and upper-class persons are more likely to receive some form of psychotherapy for their mental illness. Minorities and poorer individuals are more likely to only receive medication and physical rehabilitation, and not psychotherapy. Sociologists have two possible explanations for the link between social status and mental illness. First, some say it is the stresses of being in a low-income group, being a racial minority, or being a woman in a sexist society that contributes to higher rates of mental illness because this harsher social environment is a threat to mental health. On the other hand, others argue that the same behavior that is labeled mentally ill for some groups may be tolerated in other groups and so therefore not labeled as such. For instance, if a homeless woman were to exhibit crazy, â€Å"deranged† behavior, she would be considered mentally ill whereas if a rich woman exhibited the same behavior, she might be seen as merely eccentric or charming. Women also have higher rates of mental illness than men. Sociologists believe that this stems from the roles that women are forced to play in society. Poverty, unhappy marriages, physical and sexual abuse, the stresses of rearing children, and spending a lot of time doing housework all contribute to higher rates of mental illness for women. Giddens, A. (1991). Introduction to Sociology. New York, NY: W.W. Norton Company. Andersen, M.L. and Taylor, H.F. (2009). Sociology: The Essentials. Belmont, CA: Thomson Wadsworth.

Trip Report Essay Example | Topics and Well Written Essays - 750 words

Trip Report - Essay Example The plant should introduce "advance notice" procedures and indicate the exact time of arrival for each truck. (b) Also, it is possible to focus on activity scheduling, which is concerned only with activities directly related to the function: for instance, time of arrival, loading, lab reports, etc. The timing of such activities may have a significant impact on resource utilization and customer service (Chase, Jacobs 2003). The main problem of Quality Control Laboratory is a slow report procedure and work overload. The Quality Control Laboratory can be divided into several sub-units responsible for certain reports. It can increase costs, but it will reduce time and improve service provided. For instance, the laboratory can have the following units: (a) for incoming raw materials to verify the identification and specifications are correct, (b) for WIP and any special request from any production department, and (c) for outgoing shipment. If there is no much work to do, one of the groups could help another one with analyses for outgoing shipment. Again, if the time is stipulated, the trucks will not wait for a long time to test results. The main problems of this level involve (1) product shortage caused by inefficient production ... (a) The assessment of the nature and level of demand for products and services must be accurate, if economic resources are not to be misused. (b) The department should find out, as accurately as possible, present and future customers requirements. (c) Records must be up to date and quickly accessible, particularly where demand fluctuates rapidly. (d) Facility decisions are concerned with how many warehouses and plants Denver should have, and with where they should be located in order to optimize the customer service/cost equation. For the majority of companies it is necessary to take the location of existing facilities as given in the short term. Thus, managers can consider the inventory management problem to be a part of a wider operations scheduling problem. (e) Capacity management decisions will provide a context within which inventories and activities are be both planned and controlled. They will to some extent reflect operating policy decisions, while inventory and scheduling pr oblems might be considered as more tactical issues (Vonderembse, White 2003). Production units and operational departments should be better coordinated according to their functions and performance. It is the task of the department manager and plant manager to coordinate and control production procedures. For instance, an employee on a golf cart can help to coordinate activities on all shifts informing various operators about current changes and procedures. Product Loading Facilities and Operations Poor time management leads to queues and incorrect loading facility. Primarily, the right levels of stock must be fixed. Most firms carry too high levels of stock and any firm which is attempting to reduce stocks must note the factor dealt with under stock or inventory problems. For

The Hawaiian Monarchy Essay Example | Topics and Well Written Essays - 250 words

The Hawaiian Monarchy - Essay Example Kamehameha used intelligence gathering and warfare experience to defeat most of his enemies in different war fronts. The unified legal system promoted unity in the Hawaiian Islands even after the death of the Kamehameha. This indicates the strength of the legal system instated and the tolerance of the Hawaiian people. According to Potter et al. (76), the Hawaiian Islands remained united for a long time with the exception of the five months British occupation. For the case of technology and other modern concepts, Kamehameha made contacts with the outside world such as the British who provided his army with modem technology. The modern armoury made his army superior and this aided him and his descendants to have a technologically and well-equipped army (Potter et al. (129). In essence, Kamehameha adopted technology, particularly on armoury through creation of contacts between Hawaii and outside world. Later these ties created trade links, which saw Hawaii Islands develop into a commercial canter. In conclusion, the Hawaii Islands remain united up to today because of the strong legal system, Kamehameha created. Several battles brought the unification of the Hawaiian Islands. On his death in 1819, king Kamehameha left the law of the splintered paddle and other attributed laws as the unifying pillar of the Hawaiians Potter et al.

Identity in House Made of Dawn Essay -- House Made of Dawn Essays

Identity in House Made of Dawn       In 1969 N. Scott Momaday won the Pulitzer Prize for his phenomenal work, House Made of Dawn.   The novel addresses the issue of identity, how it can be lost as well as recovered.   Momaday offers insightful methods of recovering or attaining one's identity. Momaday once made the following now famous statement:    We are what we imagine.   Our very existence consists in our imagination of ourselves.   Our best destiny is to imagine, at least, completely, who and what, and that we are.   The greatest tragedy that can befall us is to go unimagined (Owens, 93).    For Momaday, imagination is the key to identity, and it is this key that Momaday offers as a solution to the problem of identity in House Made of Dawn.   Momaday's protagonist, Abel, cannot imagine who he is.   In chronicling Abel's effort to regain his ability to imagine, Momaday offers inextricably intertwined methods to regain one's 'imagination'.      Ã‚     Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  The prologue of House Made of Dawn begins with the word 'Dypaloh'. This word signals a shift into the Native American oral tradition. Traditionally, storytelling have definite responsibilities.   According to Louis Owens in Other Destinies, the responsibilities are:   "to tell us who we are and where we come from, make us whole and heal us, to integrate us fully within the world in which we live and make that world inhabitable, to compel order and reality" (93).   In defining the responsibilities of storytelling, Owens also gives a description of the 'identified individual', one who has a strong sense of identity and is fully self-imagined.   The identified individual knows were he is from and where he is going.   He is not fragmented, and k... ...motion.   Running is perseverance.   Running is believing that identity can be recovered.   If Abel did not believe it possible to find his proper place, he would already by lost, stagnant, still waiting.   Running is action.   Stories are also action.   They are inherently active in passing on crucial knowledge.   A story that is not told, that is not related, can have no meaning.   Stories show the proper order of reality.   Both running and stories are crucial elements in Abel's recovering his identity.   The things they represent, motion, perseverance, order, and knowledge, are crucial in anyone's quest for identity, not just Native peoples, but the people of the human race. Works Cited: Momaday, N. Scott.   House Made of Dawn. New York: Harper and Row, 1968. Owens, Louis.   Other Destinies. Univ. of Oklahoma Press: Norman and London, 1992

Counselor Essay Essay

Michael is a Case Manager within Spectrum Health hospitals and has been for four years. Michael is twenty-eight years old and enjoys doing his job although he has stated that it can be difficult at times. Michael stated that sometimes there is over time when other employees call in and case load can be heavy at times. Michael stated that every so often he has to wear a pager so employees within the hospital can get ahold of them when emergent issues arise. On call is every third weekend and four days out of each month where Michael is on call 24/7. As Michael punches in for the day, he meets with patients that are either just admitted or ready for discharge. Michael will help patients gain what they expect within the hospital so they will be pleased with the kind of care they received while in the hospital. Michael will also help patients that are ready to be discharged gain everything needed for their home after they are discharged. Things such as canes, walkers, commodes, home care , Dr. Visit’s, etc. As I asked if Michael has every experience burnout he stated that he has felt burned out before and even a little overwhelmed when he is placed on call for a few days. Michael has never thought about quitting his job but he has felt the need to take a few days off before just to gain a clear mind and get back to work. One stage of burn out Michael has experienced would be stage three in which that is frustration. Frustration comes within Michael when he is unable to complete every task that is expected of him. Michael has felt frustrated before when he is given too much and not enough time to complete every task. Michael strives to do his best within his position and sometimes that is not enough because as he gains too much work, he cannot spend the time needed with the patients to ensure proper  care is being achieved while the patient is in the hospital. Michael often sets up agendas for his work and how to get the work done in a timely manner so he does not get frustrated when things don’t get done or issues arise. Michael relieves frustration this way because he is able to visualize what he needs to do and what things to do first. Michael often takes times off from work in order to not get frustrated within his position. Michael will spend time with his family and while at home he will not speak of work so that he can enjoy family time and not think of work while relaxing. Burnout is defined as an internal psychological experience that involves feelings, attitudes, motives and expectations. Burnout means the energy of an individual has been consumed by helping others. Energy crisis occurs when the psychic demand exceeds the supply. Burnout is often experienced with a state of physical, mental and emotional exhaustion caused by a long-term involvement within an emotionally demanding situation. Burnout is often accompanied by physical depletion, feelings of helplessness, disillusionment, negative self-concept and negative attitudes toward employment, people and life in itself. Burnout represents a breaking point where it’s hard for an individual to cope with the environment surrounding them. Compassion fatigue is often caused by a work related stress and it is also an increase of loss in compassion over a period of time. Compassion fatigue can share similar symptoms of burnout but just not in an as severe way. There are many ways burnout can occur; Burnout often comes in blocks that include Role ambiguity or the lack of clarity concerning rights, responsibilities, methods, goals, status and accountability toward themselves. Role conflict is the significance of a  demand placed on the individual that are incompatible, inappropriate and inconsistent within the values or ethics. Role overload is the quantity and quality of demands placed on the individual that are too great. Inconsequentiality is the feeling of helplessness, the individual may feel that no matter what they do they are not good enough they gain little  recognition, accomplishment, appreciation or success. Isolation means that individual may lacking in support or has minimal support and the last one is Autonomy, where the ability to make decision on what they will do and how they will deal with their patients may be affected by their place of employment. Signs of burnout may include tardiness, dreading work, turning to drug s or alcohol, withdrawing from friends or family, clockwatching, depression, sudden change in weight, suicide or homicide thoughts or attempts just to name a few. Burnout also comes in stages, there are four main stages of burnout that can occur as an employee tries there absolute best within the position they have accepted within any organization. Stage one is enthusiasm, where the employee enters the job with high hopes and unrealistic expectations. If the employee is not tempered by orientations, training and realistic expectations the Human Service work may lead to the second stage which is stagnation. Stage two is stagnation, where the employee starts to feel that personal, financial, and career needs are not met. This may happen as the employee visualizes other employees moving on faster than themselves, an increase in pressure at home, financial obligations increasing and lack of employee reinforcement from doing the job well. As these are not met or taken care of, burnout can lead to the next stage of frustration. Stage three is frustration, where the employee may doubt their Caretaker Interview 5 effectiveness, values or impact of their efforts within the organization. One employee’s frustration may hold a domino effect toward others because the effect of burnout are contagious within an environment. Frustration can be dealt with by arranging workshops and support groups to increase awareness and generate problem solving as a group effort. If frustration is not taken care of within a positive manner, frustration can turn into Apathy. Stage four is Apathy, where the employee meets the feeling of actually being burned out. The employee may become immobile, in denial and may be in stage of crisis. As an employee meets this stage of burnout, psychotherapy may be needed to reverse the actions of burnout and to get the employee at a positive state of mind.

The Replication Of Dna By Escherichia Coli Essay - 1479 Words

Introduction Today’s issue of Biology: Meselson and Stahl (Vol 4, 1958) includes a groundbreaking development into further understanding of DNA Replication. On pages 671 – 682 is an article titled â€Å"The Replication of DNA in Escherichia Coli†. Meselson and Stahl conducted an experiment to understand how DNA self-replicates by the use of Bacterial transformation to clone parental DNA. In the article, Meselson and Stahl investigate the distribution between the parental and daughter DNA molecules. This is achieved by the use of Radio Isotopic labelling. Uniform Isotopic N15 was grown in E.coli consisting of N14 medium to observe the distribution of N15 DNA macromolecules. Within the article, the authors also discuss the problems they faced during the investigation and how significant Watsons and Cricks Double helix suggests how DNA self-replicates. What is DNA? The discovery of the structure of DNA has always been associated with Watson and Crick. Their double helix structure, which they developed in 1983, has been used as a model to understand how DNA self-replicates (Karp, 2009). The structure of DNA is made up of covalent bonds between 4 unique nucleotide bases. These bases bind together via complementary base pairing, therefore allowing Adenine to only bind with Thymine, and Cytosine with Guanine (Penn State, Ebery College of Science, 2016). The use of covalent bonds makes the structure strongly bound like a zipper. However, just like a zipper, it can easily open upShow MoreRelatedHow Do Bacteria Divide?1600 Words   |  7 Pagesto explain some aspects of DNA replication and septation – including the synthesis of peptidoglycan in the new cell wall – using the model organism Escherichia coli. Also, I will discuss the role and function of Fts proteins in cell division. 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After the dimensionally accurate model building by Watson and Crick, it was clear that the process of replication and information distribution have to use the DNA from parent cell as template to achieve anRead MoreEscherichia Coli Transformation For Ampicillin Resistance And Gfp Expression Using Pglo Plasmid And Calcium Chloride Transformation Solution1768 Words   |  8 Pages4/6/16 BI108 Lab D8 Escherichia coli transformation for ampicillin resistance and GFP expression using pGLO plasmid and calcium chloride transformation solution Abstract Within the growing field of biotechnology, genetic engineering is becoming more important than ever. To illustrate an application of genetic transformation, pGLO plasmid containing the reporter gene GFP, an arabinose operon, and a gene coding for ampicillin resistance was used to genetically transform Escherichia coli. 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Patel Harper College ABSTRACT This essay reviews a basic microbiological research project that focused on identifying pathogenic strains of Escherichia coli (E. coli) from the poultry industry in a developing country such as Romania. The research methodology, results and its practical applications are discussed. 51 isolates of E. coli were taken from various samples of raw poultry meat and testedRead MoreFunction: of DNA polymerase500 Words   |  2 PagesFunction: of DNA polymerase DNA polymerase is a very important enzyme when it comes to DNA replication. DNA polymerase, more specifically, is involved in the process of reading and adding nucleotides to the DNA strand so a complimentary stand can be made. During the DNA replication process DNA polymerase puts new nucleotides on the 3’ end of the DNA Strand. Not only does DNA polymerase add nucleotides to a DNA strand it can also act somewhat as a â€Å"proof reader†. It can pause the replication processRead MoreHeritable Genetic Information In Escherichia Coli In Transformation1664 Words   |  7 PagesGenetic Information in Escherichia Coli in Transformation and Deoxyribonucleic Acid A report for Biology 2000 written by Alana Pay : 001196733 Introduction Griffin was a scientist that showed that there was a non-living component to heritability between organisms, although he had not yet discovered what exactly was the heritable component. However, during this time period, it was a common belief that the heritable material was contained within the protein of the organism, not the DNA that is now held