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Musicians typically take on debt when they first sign to a record label. They are given a lump sum, known as an advance, to pay for recording studios, video shoots, distribution and other expenses. The money is then paid back when they sell their music.

Time trials are updated every week and sometimes are even a part of double money events.

Financial institutions use incentives such as enhanced interest rates or cash back offers to encourage customer loyalty. For instance, Bank of America Preferred Rewards program gives a 5% interest rate boost on savings accounts and a 25% rewards credit card bonus once account holders have a three-month average balance of at least $20,000 in combined Bank of America and/or Merrill Investment accounts. Citi also offers ThankYou Rewards points to its banking customers that can be redeemed for cash rewards, travel and merchandise. Those using rewards and cash back credit cards need to pay off their balances each month though. Otherwise, the card will cost more than it saves, says Katie Ross, education and development manager for the nonprofit American Consumer Credit Counseling.



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Though Amazon offers same-day shipping for some items, all Best Buy purchases can be collected the same day you’ve virtually swiped your credit card. All you’ll have to do is select store pickup and drive to your local Best Buy. If you prefer to limit contact with others, Best Buy is also still offering contactless curbside service at most locations across the country.