Helping You Define Your Lifestyle

Should You Cancel Old Credit Cards? Know the Pros and Cons

Deciding whether to keep an old credit card or get rid of it is not a simple choice to make, but with the right knowledge, it should be easier to come to a decision. Find the pros and cons of cancelling an old credit card below:

Pros of cancelling old credit cards

  • You’ll rid yourself of a possible liability

Whatever the reason for closing an old credit card, one less credit card could mean one less opening for incidences of fraud or theft. Because old credit cards are often forgotten and are generally more difficult to maintain and manage, they could be vulnerable to criminals.

  • You’ll have less temptation to fight

If you are one of those who feel richer than you really are because you have extra credit, then it might be best to cancel some of your credit cards. The same applies to people who tend to spend more than they should, so in order to prevent or reduce temptation, it is a good idea to close any extra lines of credit.

  • You can cut back on paying annual fees

Your old credit card accounts may have annual fees and you really shouldn’t be paying annual fees on a credit card you don’t use. Whether it is because you were not paying close enough attention or because you applied for the card when your credit was poor, you will save a good deal of money by getting rid of the card and if you must, replace it with a personal credit card with a better deal. Once you have good credit, the competitive financial landscape will sort out the rest.

Cons of cancelling old credit cards

  • Cancelling could hurt your credit score

If you have a negative payment history, closing an old credit card won’t work magic for you because the payment history of a card continues to affect your credit even after the account has been closed. While the effect the closed account has on your credit score will lessen over time, it is certainly not a solution for improving your credit. Other factors to consider include the utilisation rate and whether the card you intend to cancel is your only credit card.

  • You could lose out on existing customer deals

While they are often not as juicy as new customer deals, some lenders may offer current cardholders a fantastic deal every now and then. If your lender is one of the considerate ones, you might be losing out on opportunities to enjoy great deals on your credit card if you decide to cancel. While the offers may not be better than those for new customers, at least you won’t have to go through a credit check.

Before taking the leap and cancelling an old card, be sure to evaluate your position carefully so you don’t end up with regrets. Learn how keeping or cancelling the card will affect you in the long and short run.

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Improve Your Health Using Technology: Here’s How

Improving your health using technology focuses on areas where technology, diet, and nutrition have a direct influence on the health and wellbeing of an individual. Oftentimes, we feel that improving our overall health takes a long time, but it’s really a matter of making small changes in our everyday habits. 

A lot of researches have shown the impact that technology can have on individuals wellbeing and health. With information right at our fingertips, we can all do something to improve our quality of life by simply making smarter decisions about what we eat and how much activity we are getting. Here are some vital tips:

Register with a private GP online

Patients can ask questions to speak to a GP online in the privacy of their own place and at their own time. This is extremely useful for those who are too ill to be able to make it out to their local surgery or for those who don’t have the time take a trip to the doctor in person unless absolutely necessary.

Use fitness and nutrition tracker

The importance of fitness and nutrition tracking technology in improving your health is the ability to have devices that will make it easier to understand what you’re eating and their nutritional value. This way, you can track how much you’ve consumed and nutrition you’re getting, plus your heart rate, your blood pressure, and even your sleep cycle. 

With this technology, you will be able to see the progress you make over a period of time and know exactly how to approach things to step by step to improve your overall health.

Utilise preventative healthcare

Preventative healthcare is the second most effective way to improve your health. Preventative healthcare helps to prevent illness and detects medical issues early enough so they can be treated before they become serious conditions. Remember, the point of using technology to improve your health is to assist you in being proactive towards your health. 

Get yourself a wearable device 

Wearable technology is a new and innovative way of presenting information, allowing you to obtain real-time feedback on everything from your heart rate to your physical activities.

A wearable device can continuously monitor your vital signs such as heart rate, blood pressure, body temperature, etc., and sync this data with a smartphone or other mobile devices using Bluetooth technology. Wearable technology with proper applications will assist you in keeping healthy and fit.

Register for Online Personal Training

Online personal training can help you improve your health in ways you never thought possible, leveraging technology. An online programme lets you achieve healthy living while staying in the comfort and convenience of your home, making it much more efficient than traditional programmes. 

No matter why you want to improve your health and wellbeing, technology is a key part of health in today’s society. This article has outlined some of the many ways this can be of great benefit to you.

Alcoholic Answers: How Long After You Stop Drinking Beer Does Your Body Heal?

If you could stop drinking beer for a while and reset, how long would it take your body to heal?

Many people who drink have wondered about this topic, especially when finding their drinking habits slipping beyond their control. We know about the harm alcohol can do to the body, but this often isn’t enough willpower to fuel a cold-turkey reboot, even though our bodies would thank us for it.

Here are the facts: Alcohol Use Disorder (AUD) affects over 14 million adults in the U.S. alone. Knowing this, it’s safe to assume that quitting is an incredible challenge, but a worthwhile endeavor nonetheless.

Keep reading to learn more about what happens to the body when you stop drinking beer.

What to Expect When You Stop Drinking Beer

Whether you’re a recovering alcoholic or just a semi-regular beer drinker, you might notice some significant changes in your body as well as your mood when you stop drinking beer. Depending on your previous intake, these will vary in levels of intensity.

1-14 Days After Quitting

The first two weeks after you stop drinking beer are said to be the most difficult. This is because the body begins going through an acute withdrawal phase, with symptoms that might make you want to abandon your sobriety goals.

Here are some common symptoms of alcohol withdrawal:

  • Insomnia and/or trouble sleeping through the night
  • Problems with sexual function and performance
  • Irritability
  • Anxiety/nervousness
  • Depression
  • Intense cravings

Symptoms of alcohol withdrawal can start within 6 hours of having your last drink. They might also last well beyond 14 days. Again, this depends on how much you were drinking before, and your individual body’s ability to heal.

30+ Days After Quitting

Once you’ve passed the first two weeks when you stop drinking beer, the positive changes start to take effect. Your body completes the initial detoxification stage and begins to heal.

You can expect the following effects:

  • Steady reversal of liver damage
  • Decreased risk of cancer and cardiovascular disease
  • Improved cognitive abilities
  • Weight loss

The good news is this: many of the negative effects of drinking are reversible. Once you can stop drinking beer, your body is able to heal itself.

Will I Lose Weight if I Stop Drinking Beer?

When compared to hard liquor, beer has a higher tendency to affect your body weight. This is due to it generally being a more calorie-packed drink than most hard liquors.

With that in mind, the short answer here is yes, you will lose weight when you stop drinking beer. However, it’s important to maintain a healthy diet with a moderate calorie intake, as well as get plenty of exercise. If you replace those excess calories by eating more, for example, then you may not experience any weight loss at all.

Knowing When to Quit

The pleasures of drinking beer are undeniable, but too much of a good thing can be harmful. It’s important to evaluate the role of beer in your life and how it has affected your health. Now that you know more about what to expect when you stop drinking beer, quitting can be that much easier.

For more health and fitness topics, please see our other articles.