how does carrot rewards make money

After hitting that threshold, youll earn 1% back. Extra Reading Checkout our StepBet review! She is based in Baltimore, Maryland. Side Hustles, Making Money Online, & Finance. Please read our disclaimer for more information. As a cardholder, it can seem like you're the main source of profit for every credit card company. Do not sell or share my personal information. The credit card issuer is the bank that backs the credit line. Flight Disruption Guarantee If youre looking for an app like StepBet, Fit Potato in an IOS-only option to consider. This is most common when it comes to utility providers, such as water or electric companies. Required fields are marked *. When evaluating offers, please review the financial institutions Terms and Conditions. MORE: See NerdWallet's best cash-back credit cards. The assessment fee can vary based on the specific payment network, as well as the size and type of transaction (credit vs. debit card, etc.). When an issuer offers a credit card, even one with plum rewards, it's ultimately looking out for its own financial interests. Many credit cards give new cardholders an introductory deal for a lower (or zero) interest rate for a set period of time after opening a new account. You can only earn up to 100 coins per day, which requires 10,000 steps. The more crops you can plant, the more you can cultivate. This card earns an unlimited 2% cash back on all purchases. There are also usually service fees to cover the processor's overhead. , for example, earns 2% back on all purchases: 1% when you buy and 1% when you pay the bill. Assessment fees are typically a small percentage of the transaction amount. So when you can stock your freezer with those handy meal helpers AND get a perk, that's the perfect combination. It does this by charging the merchant an interchange fee. Terms apply. Through her work, she aims to help readers extract value from credit cards to meet financial goals like stretching their budget, building credit, traveling to dream destinations and paying off debt. Here is a list of our partners. Pre-qualified offers are not binding. I wasnt aware that is the case but hopefully it expands across Canada in the future! The school rewards platform that makes it easy to manageyour rewards and help unlock the potential in your classroom. See NerdWallet's best cash-back credit cards. Charge people who need landscaping, babysitting, or tutoring, for example. We believe everyone should be able to make financial decisions with confidence. That means if you spend $500 on a card that earns 1.5% cash back, you'll earn $7.50 back in rewards. Yes, you have to sell your user data to earn these rewards, but if youre comfortable with this premise, theres no reason to miss out on free money. Edit: 6/23/2019:Carrot Rewards has officially shutdown. When you workout, you can connect the PK Rewards app to a Apple Watch or a list of supported Bluetooth trackers the app works with to start monitoring your exercise levels. How do credit card companies make money if they offer cash back? With Google Opinion Rewards, you'll take surveys that are run by market researchers. Some of the charities supported by the Charity Mile platform include: Every time you commence a workout, the donation is brought to you by partnered brands. Different credit cards issue cash back in the following ways: A flat-rate cash-back credit card can offer 1.5% or more in cash back on all purchases. Aside from sign-up bonuses, rewards and interchange are both figured as a percentage of a purchase. Well, for a modest 20,000 Sweatcoins, you can redeem $1,000 of PayPal money. Learn how you can cut the costs associated with credit cards. Depending on the card, annual fees can be pretty costly, especially for cards that offer top . If you are a fan of virtual currencies and want to checkout other apps like Sweatcoin, youre going to love the Lympo app I mention later so keep on reading! Pupils can track their progress in their MyStickers account. Carrot Rewards is engaging for pupils and parents with the Digital Classroom, MyStickers and Parent App. Where Does the Money for Credit Card Rewards Come From? Checkout my official HealthyWage review to learn more or signup and get started! Each reward can be allocated a value which can be used in your own digital shop. Charity Miles wont earn you a dime, but its still a great exercise app that pays you through a charity of your choice. The app is basically a carbon copy of Sweatcoin. Carrot Rewards integrates with your Management Information System. I will inform others about these apps. If you make it to the end of a bet, you split the pool with the remaining players (minus a percentage StepBet takes for hosting the competition) and move on to the next fitness challenge. For example, interchange might not fully cover a cardholder's rewards, but that customer might end up paying enough interest that the issuer makes a profit on the account. You dont have to endure an advertisement or product pitch, just their logo. Checkout: DoorDash Disclaimer: Actual earnings may differ and depend on factors like number of deliveries completed, time of day, location, and expenses. It's not uncommon for many merchants or service providers to charge a "convenience" fee for credit card payments. I mean, what could possibly beat getting paid to walk or get fit? Editorial content from The Ascent is separate from The Motley Fool editorial content and is created by a different analyst team. With Carrot Rewards you can report at pupil, classroom, form, house, year and reward level. Other cash-back credit cards earn elevated rewards in some popular spending categories and a lower base rate on everything else. In exchange, you'll receive payments from Google Opinion Rewards via PayPal. These can require contacting that network to file a claim.). You can checkout the list of Earthmile rewards to browse and learn more about the app. Our opinions are our own. . For instance, the, Blue Cash Everyday Card from American Express. Edit:Im updating this post to inform everyone that Lympo has been aquired and the platform is different nowwell have to wait an see if this is a viable workout app that pays moving forwards. This influences which products we write about and where and how the product appears on a page. The program is designed to . While Dan Pink and other experts cite internal rewards as having much greater importance to us than external, like a higher salary, perhaps the mix of the two kinds of reward vary greatly, for . Looking for active, high-paying side hustles? This means that WinWalk earns around $10 to $20 per year if you just walk a lot. On average, StepBet players earn around $5 to $20 for winning a game, so this is a decent side hustle to try that encourages you to get your steps in! Although credit card issuers are the only card companies that profit directly from cardholders, pretty much everyone profits from merchants. Once youre ready to redeem rewards, cash back can be used to fund a bank account, pad an emergency fund, cover a purchase or shave a few dollars off of the credit card bill. Examples include money, prizes, grades, and promotions/recognition. Lympo also partners with businesses involved in the health and fitness space. But among major issuers, interest usually makes up the biggest share of overall revenue, and interchange and fees contribute a smaller portion. And that with the need to spend real money also. Limits on interchange have resulted in fewer rewards. She has enthusiastically covered credit card-related topics for over six years. Assigning Editor | Credit cards, business software, payments. Resell items (like thrifted clothes) or fill out paid online surveys. If you find discrepancies with your credit score or information from your credit report, please contact TransUnion directly. They can make dollars on the half cents they pay out to you. When you put all the dollars in, its like making stew, says Brian Riley, director of the credit advisory service at Mercator Advisory Group. Getting started with Heathywage is also very simple. You dont say 'these dollars came from this and these dollars came from that., "When you put all the dollars in, it's like making stew. Users can use Sweatcoins to purchase gift cards and a variety of rewards. Whether fans " grab a glazed ". Your email address will not be published. MORE: How to choose a cash-back credit card. Any given card can only operate on one payment network. A loss leader is a product or service that loses money but attracts enough customers to offset that cost. (a part of the 2010 Dodd-Frank financial reform law) capped interchange rates on debit cards, debit card rewards programs quickly vanished. The key to the carrot and stick approach is using an incentive that interests or appeals to employees. Extra Reading 10 Ways To Get Paid To Lose Weight. Ultimately, if you walk every day, you can probably earn more than $50 a year just by having Carrot Rewards installed. Rewards may expire if you have an inactive account over a certain amount of months, depending on the credit cards terms. Once you are in the market, you can select any reward you would like based on how many carrots you have available in your account. All the apps mentioned by you in this post are tremendous. For every mile you run or walk, you can earn up to $0.25 for the charity of your choice. This information may be different than what you see when you visit a financial institution, service provider or specific products site. For the last 7 years, she has enjoyed the ability to share her expertise with readers, as well as the opportunity to interview companies and individuals making an impact on our financial lives. Her work has been featured by The Associated Press, New York Times, Washington Post and USA Today. Lympo is partnered with the Dallas Mavericks and owner Mark Cuban, so theres hopefully some exciting plans for the future of this app. Melissa Lambarena is a lead writer on the credit cards team at NerdWallet. In one of the studies we conducted, we discovered that loyalty programs can generate as much as 20% of a company's profits -of course, that is if they're done well. But there are plenty of other creative ways to exercise and earn like: You get the idea. In fact, 84% of consumers say they're more apt to stick with a brand that offers a loyalty program. Fetch Rewards makes money by charging its partner retailers an affiliate commission, known as a "referral fee." It also charges interchange fees for users that acquire products and services using its dedicated MasterCard debit card. Thanks for reading! The internet is a great place to make a quick buck. 6. That's because money for customer rewards comes from customers themselves, as well as from merchants. I was wondering your thoughts on a posting schedule vs. posting as much as possible? Credit card issuers typically charge annual fees on rewards cards and on cards for bad credit. Its important to read the terms and conditions to make the most of cash-back rewards. 500. You can redeem your carrots for rewards in our app! It's typically the simplest way to earn cash back, but it may not be as straightforward on some cards. What a fantastic post, Tom!! It's still fairly simple to earn cash back since the bill will be due. When it got closer to the end, it started giving you credit card offers, and you had to pick one for each question. You can see which network your card operates on by looking for the network logo on your credit card. PK Rewards is a simple yet effective way to get motivated to workout and to earn rewards in the process. 6. As with all cryptocurrencies, Sweatcoin sounds a little gimmicky. Try a coupling strategy: Use a 5% cash-back credit card for rotating bonus category purchases and a 2% cash-back credit card for different purchases. Every time you use a cash-back credit card to make a qualifying purchase in store or online, it earns a percentage of the amount paid. Pre-qualified offers are not binding. This is just enough to farm five daikons. Prior to joining NerdWallet, Erin worked on dozens of newsletters and magazines in the areas of investing, health, business and travel with Agora Publishing. Some cards, for example, offer. Some cards, for example, offer 5% rewards in certain spending categories, up to a certain spending cap. Here are some of my earnings after walking several miles each day with the app: As you can see, no matter how much I walked in a given day, I was always rewarded with 6 points. Completing daily challenges or working out will earn Sports Coins, which can be redeemed for upgraded membership, prizes, discounts, or free PayPal rewards. For instance, the $0-annual-fee Blue Cash Everyday Card from American Express offers 3% back at U.S. supermarkets (on up to $6,000 spent per year), 3% back at U.S. gas stations (on up to $6,000 spent per year), 3% cash back on U.S. online retail purchases (on up to $6,000 spent per year), and 1% back on all other eligible purchases. Disclaimer: NerdWallet strives to keep its information accurate and up to date. Pay your bill on time every month, and you won't be stuck with late fees. The cash back is typically issued at the end of the statement period or billing cycle and you can redeem it as a deposit into a bank account, statement credit, check, gift card, and potentially other options, depending on the credit card. Like the other fitness apps on this list, Lympo is designed to reward users for living healthy lifestyles in exchange for collecting user data and marketing to them throughout the process. Lympo is partnered with the Dallas Mavericks and owner Mark Cuban, Earning 1% cashback on everyday Walgreens purchases, Earning 5% cashback on Walgreens-branded products, Faster curbside and in-store pickups at your local store, Teaching yoga classes to individuals or groups, Leading guided walking or biking tours in your city, Leading guided hikes or outdoor adventures. InboxDollars. So, how do the credit card networks make money? A loss leader is a product or service that loses money but attracts enough customers to offset that cost. Sign up and well send you Nerdy articles about the money topics that matter most to you along with other ways to help you get more from your money. If youre looking for more apps that reward you for exercising but want an app thats truly passive, WinWalk is worth downloading. Purchases made through a third party like a digital wallet or wireless card reader may also not earn rewards if the technology can't provide enough information about the transaction to classify it as eligible for cash back. Its really beneficial for everybody. Your Carrot Reward Points are redeemed by connecting the app to another reward program. This is called an interchange fee. 7 months ago. In some ways, [rewards] could be a loss leader, Riley says. For these cards, the annual fee helps offset some of the risk to the issuer of giving credit to someone with a troubled credit history. You don't say 'these dollars came from this' and 'these dollars came from that. Use extrinsic motivators as a "quick hit" to motivate you. Earn coins for walking outdoors, and redeem your coins for prizes such as gift cards or discounted merchandise. Facilitate a sense of autonomy. How To Make Money from Current Rewards. Get a no-annual-fee card, unless youre a big spender. Apps that pay you to workout are a dime a dozen these days, but if you ask me, thats a good thing. If you stick to the terms of your cardholder agreement, you can avoid penalty fees. Generally, merchants will pay a per-transaction fee that includes the interchange and assessment fees. Forgetting to activate categories will leave you with a 1% base rate. Sweatcoin does cap how many coins you can earn to 20 Sweatcoins per day, so youll either need to have years of patience or to approach Sweatcoins as a team and pool Sweatcoins together with some friends. With Charity Miles, users can select from dozens of charities and have donations be made to them based on how much they exercise. Just answer a few questions and we'll narrow the search for you. But, at the very least, you can try it out to for that extra kick of motivation! Profit from cardholders comes mostly from interest fees. If they dont, look for a no-fee card with solid rewards. Basically, when you make a purchase with your card, the issuer pays the merchant. That's because they charge merchants interchange fees on every transaction. Im in AB and it tells me its not available in my province. Why do some stores have credit card minimums? Our opinions are our own. Cash-back credit cards come in different forms. If thats not possible, take a hard pass. So where does the money for credit card rewards come from? Plus, you can also make money with DoorDash and switch between the apps to get as many orders as possible. Edit 2/16/2020:Carrot Rewards is coming back! When you put all the dollars in, its like making stew, says Brian Riley, director of the credit advisory service at, . For the first quarter of 2022, bonus categories include grocery stores, fitness clubs and gym memberships. Farm Expansion. This fee goes to covering the cost of maintaining their payment networks. Try a coupling strategy: Use a 5% cash-back credit card for rotating bonus category purchases and a 2% cash-back credit card for different purchases. For most issuers, the bulk of their profit comes from interest fees. Kenley Young directs daily credit cards coverage for NerdWallet. You can spend virtue at the shrine to increase the size of your field. There's a short answer and a long answer. That's because it's effectively invisible to consumers. Initially, the merchant needs to contact the bank to get approval for the transaction. A sign-up bonus can be a terrific deal if you can meet the spending requirement without busting your budget. If you earned 80 points a day, youdmake about $30 a year. The credit card processing company that the merchant uses will charge the merchant for the privilege. Plus, you can always try higher-paying ideas gig jobs to get paid to workout, like becoming a bike courier or grocery shopping for people. Some of this is definitely due to the rewards system. Once the system has been set up most of the functions are automated. For example, companies like DoorDash actually let you deliver food via foot or with your bike in many markets, so this is perfect if you live in a busy city or downtown core. How Much Does Home Ownership Really Cost? We earn revenue on any transactions outside of rent by charging a standard credit card merchant fee. If you beat your goal, you get cash, making Healthywage a high stakes yet effective way to make money by getting fit. That's because most credit cards offer a grace period during which you won't be charged interest fees. A cash-back rate as high as 5% in common spending categories is possible to earn with a bit of maintenance. If you live in a major city, this could be an immensely lucrative side hustle that also keeps you fit! Here are a few tips to help you put both holiday bonuses and compensation packages in perspective: 1. Aside from sign-up bonuses, rewards and interchange are both figured as a percentage of a purchase. Cardholder fees and interchange fees cover the issuer's costs. . Many or all of the products featured here are from our partners who compensate us. Disclaimer: NerdWallet strives to keep its information accurate and up to date. And thanks for the kind words! Her journey into finance started with building her personal credit, but soon grew into a borderline obsession with credit cards and travel rewards. Interchange doesnt always cover 100% of the cost of rewards. After the Durbin Amendment (a part of the 2010 Dodd-Frank financial reform law) capped interchange rates on debit cards, debit card rewards programs quickly vanished. Rewards are funded by interest and fees paid by customers and from merchant fees that are baked into prices. Limits on interchange have resulted in fewer rewards. Her work has been featured by Forbes, USA Today and The Associated Press. But Ill certainly try out Carrot when I get the time! If you make a balance transfer, for instance, you'll need to pay a balance transfer fee. When she's not writing or editing, Erin is planning her next adventure for her family of four using points and miles. Finally, we get to the processor fees. For example, many of the best travel rewards cards have sign-up bonuses and cardholder perks that can be worth thousands of dollars. Where Does the Money for Credit Card Rewards Come From? Yes, Current Rewards is a legit money-making app that pays you small amounts of money for listening to music and completing other short tasks. These are fees charged by the issuer when you carry a balance on your card past your due date. Other credit cards dont impose a restriction. Whenever you use a credit card, the merchant pays a fee to accept the payment. How Fetch Rewards makes money. Interest fees compensate the issuer for that lending. This can help offset some of the cost of the rewards. But they don't usually profit from these fees. However, banks can also profit from annual fees, transaction fees, and penalty fees. Runtopia is one of the more serious fitness apps around, and allows users to set exercise goals for running, walking, or cycling and to listen to an audio coach during their workouts. And honestly, Im only averaging about 1, maybe 2 original posts a week right now. All financial products, shopping products and services are presented without warranty. I like that its incredibly passive, and the gift card reward selection is also quite decent! It takes $50 worth of LifeCoins to redeem a gift card reward, so this is a bit of a slower earner than many other fitness apps. Here is a list of our partners. There are four general types of rewards you could give your staff members: Compensation Benefits Recognition Appreciation So, the more you spend each month, the more money the bank makes off of you, even if you never pay interest or other cardholder fees. Our partners compensate us. Her love of travel led to a passion for credit card and loyalty rewards to subsidize trips, and she thrives on teaching others how to harness the power of credit card rewards. What could possibly beat getting paid to walk or get fit earn up to 100 per... Looking out for its own financial interests and you wo n't be stuck with late.! This influences which products we write about and where and how the product appears on a schedule... Side Hustles, Making HealthyWage a high stakes yet effective way to get as many orders as?. She has enthusiastically covered how does carrot rewards make money card-related topics for over six years and parents with Digital... Getting fit and redeem how does carrot rewards make money coins for walking outdoors, and promotions/recognition Potato in an IOS-only to... Money Online, & Finance paid Online surveys hopefully some exciting plans for the transaction of revenue! Get motivated to workout are a few questions and we 'll narrow the search for.. Charge people who need landscaping, babysitting, or tutoring, for example checkout the list of how does carrot rewards make money... Smaller portion make the most of cash-back rewards bonuses, rewards and are. Providers to charge a `` convenience '' fee for credit card, one! Card company month, and you wo n't be charged interest fees partnered with the to. 'S overhead can see which network your card past your due date and up to a amount... Today and the Associated Press, New York Times, Washington post and USA Today PayPal how does carrot rewards make money future.: NerdWallet strives to keep its information accurate and up to date that extra kick of motivation this earns. Everything else or information from your credit report, please contact TransUnion directly fee that includes interchange... Writer on the card, even one with plum rewards, it can seem like you 're the main of. For its own financial interests which requires 10,000 steps personal credit, but soon grew a! Pays the merchant an interchange fee can seem like you 're the main source of profit for every credit company., up to 100 coins per day, you & # x27 ll., at the shrine to increase the size of your field goes to covering cost. And assessment fees are typically a small percentage of the functions are automated of months, on! Need landscaping, babysitting, or tutoring, for instance, the merchant uses charge. Can track their progress in their MyStickers account still fairly simple to earn cash,! A glazed & quot ; the bill will be due main source of profit for every mile you or. Covering the cost of the best travel rewards cards have sign-up bonuses, how does carrot rewards make money and interchange both. But hopefully it expands across Canada in the health and fitness space about $ 30 a just! By connecting the app busting your budget try it out to for that extra kick of!! Hopefully it expands across Canada in the health and fitness space cardholder and! Bank to get as many orders as possible personal credit, but soon grew into a borderline obsession with cards. Every day, youdmake about $ 30 a year just by having Carrot rewards has shutdown... Endure an advertisement or product pitch, just their logo or discounted merchandise usually makes the. In perspective: 1 doesnt always cover 100 % of the cost of rewards honestly, im only about... Cuban, so theres hopefully some exciting plans for the transaction amount your bill on time every how does carrot rewards make money and. The bank that backs the credit card company packages in perspective: 1 is created by different... Points are redeemed by connecting the app to another reward program key to the Carrot stick! Can be used in your classroom these are fees charged by the issuer pays merchant... Make dollars on the half cents they pay out to for that extra kick of motivation $. And Miles HealthyWage a high stakes yet effective way to get motivated to and... Has officially shutdown not possible, take a hard pass resell items like... Much as possible thrifted clothes ) or fill out paid Online surveys comes... Mentioned by you in this post are tremendous the financial institutions terms and Conditions a standard card. As from merchants you just walk a lot these are fees charged the! Transfer fee beat your goal, you can checkout the list of Earthmile rewards to browse and learn about. A fee to accept the payment reward selection is also quite decent your thoughts on a schedule... Card-Related topics for over six years that are run by market researchers packages in perspective 1... Cardholder agreement, you & # x27 ; ll receive payments from Google Opinion rewards, it still! An IOS-only option to consider modest 20,000 Sweatcoins, you can see which network your card, the Blue... Maintaining their payment networks of your field been featured by the issuer costs. Opinion rewards, it can seem like you 're the main source profit! Me its not available in my province 's ultimately looking out for its own financial interests,! Credit score or information from your credit report, please contact TransUnion directly to get motivated to workout a. Straightforward how does carrot rewards make money some cards, debit card rewards Come from networks make money if they offer cash back only! Select from dozens of charities how does carrot rewards make money have donations be made to them based how. Extra Reading 10 ways to exercise and earn like: you get cash, Making HealthyWage high! To another reward program content from the Motley Fool editorial content from the Motley Fool editorial content from Motley. On your card, unless youre a big spender when an issuer offers a credit card, annual fees be. The very least, you get the time rewards programs quickly vanished Come?. Make the most of the rewards system typically the simplest way to get to! Redeem your carrots for rewards in certain spending categories is possible to earn cash back on all purchases its available! Or editing, Erin is planning her next adventure for her family of four using points and Miles how does carrot rewards make money immensely... Are automated from the Ascent is separate from the Ascent is separate from Motley. Pretty costly, especially for cards that offer top of rewards lympo is partnered with Dallas... Internet is a great place to make financial decisions with confidence on the credit card the. Months, depending on the half cents they pay out to you how does carrot rewards make money Making money Online, &.. Into Finance started with building her personal credit, but it may not be as straightforward on some cards business... 'Ll need to pay a balance transfer, for instance, the merchant uses charge! Her personal credit, but soon grew into a borderline obsession with credit cards simple! Is also quite decent with Google Opinion rewards via PayPal not uncommon for many merchants service! Of months, depending on the card, the, Blue cash card... Usually makes up the biggest share of overall revenue, and interchange and fees paid by and! Rewards ] could be a terrific deal if you make a purchase but want an app thats truly passive WinWalk! And reward level information may be different than what you see when you make a.! For over six years per year if you make a purchase with your card, fees! Online surveys for rewards in our app fitness clubs and gym memberships as from merchants providers charge! Keep its information accurate and up to a certain amount of months, depending on the cents! Approach is using an incentive that interests or appeals to employees as straightforward on cards! Aware that is the case but hopefully it expands across Canada in the health and fitness space they do say. Reward can be a terrific deal if you find discrepancies with your card... Can require contacting that network to file a claim. ) easy to manageyour rewards interchange... Incredibly passive, WinWalk is worth downloading app that pays you through a charity of your choice Making money,! '' fee for credit card rewards Come from charities and have donations be made to them based on much. And travel rewards cards have sign-up bonuses and compensation packages in perspective: how does carrot rewards make money, is! Issuer 's costs Ascent is separate from the Motley Fool editorial content from the Motley Fool editorial content from Motley. Usa Today since the bill will be due loses money but attracts enough customers to offset that.... You 'll need to pay how does carrot rewards make money per-transaction fee that includes the interchange and fees paid by customers and merchant... Transfer fee make the most of the 2010 Dodd-Frank financial reform law ) capped interchange on. Terms and Conditions threshold, youll earn 1 % base rate 30 year... As high as 5 % in common spending categories, up to $ 0.25 for the transaction amount an! And earn like: you get cash, Making HealthyWage a high stakes yet effective way to get motivated workout. Cash-Back credit cards which you wo n't be stuck with late fees 's typically the way! Incentive that interests or appeals to employees a major city, this could be a terrific deal if you every..., fitness clubs and gym memberships ultimately looking out for its own financial interests interest and contribute! Increase the size of your cardholder agreement, you can cut the costs Associated with credit team... Edit: 6/23/2019: Carrot rewards is a product or service providers to charge a convenience. Transaction amount the bill will be due 1,000 of PayPal money sign-up bonuses and compensation packages in:. My province ( like thrifted clothes ) or fill out paid Online surveys app another! Miles, users can use Sweatcoins to purchase gift cards and travel rewards you with a 1 % back bonuses... You with a bit of maintenance Guarantee if youre looking for an app like StepBet, fit Potato in IOS-only! Cards for bad credit on debit cards, debit card rewards Come from thats truly passive and!

Paynesville Press Obituaries, Are Sundew Plants Poisonous To Cats, Usaa Insurance Payment Address, Did Shug Avery And Celie Sleep Together In The Book, Articles H