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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The Basics of Wardrobe Design and Constructions

Wardrobes allow for custom design storage that makes organization easier around your home and particularly the bedrooms. It allows for multiple sections of drawers, doors, and shelves so that you can store items in a more functional and aesthetically pleasing manner. Without a good wardrobe design, the bedrooms in your house will often be cluttered with socks, ties, belts, shirts, and pants. Here is what you need to know about the basics of installing a wardrobe.

Size and Dimensions

The main difference between a closet and a wardrobe is that the former is built into the wall. Since wardrobes are external, they can be of whatever size that fits your needs. However, certain conventions still influence the dimensions of the wardrobe today.

  • Depth: The depth of the wardrobe can be just deep enough to allow for the hanging of clothes. However, the depth can vary from between 50 and 70 centimeters and 62 cm is the recommended depth.
  • Width: It needs to be wide enough to accommodate the swinging of doors and placement of items in the open spaces with minimal obstructions. The width can vary between 40- 300 cm.
  • Height: This will depend on the dimensions of the space you want to place the wardrobe. Usually, wardrobes are between 140cm to 250cm high.

Style

You need to consider the style of the wardrobe if you want to make it both functional and aesthetically pleasing. There are many styles of wardrobes today with designs to incorporate your storage needs. If it is for hanging clothes only, an open section will be enough for most of your needs. However, you may require more partitions if you find there is also a need to store other items such as shoes, belts, ties, cufflinks, etc.

The wardrobe often has one, two or three partitions. Two partitions can be one for storing clothes, and the other partition set aside for other items. You may opt for one with more partitions if you have a wider range of accessories and you need your space to be more functional. Instead of getting a new wardrobe, you can add shelves to any of these partitions. If you are sharing the wardrobe with a partner organizing your things becomes much easier when you have more sections and shelves.

Materials

Old wardrobes were ready made and were built with metal, usually iron. Many homeowners bought them because they had a safe inside. Nowadays, wardrobes are lightweight and made of more affordable materials. Most are made of wooden boards and plywood to divide partitions and sections. A cheaper alternative to plastics such as MDF and particle boards are becoming more popular than plywood which has limited applications due to relatively high costs. For aesthetics, materials such as colored glass and polyurethane are used to provide the extra gloss and a finish to enhance its appeal.

Construction

Doing your own construction will require that you acquire the skills to work with hardwood and plywood, amongst other materials used to make wardrobes. If you are not confident with your ability to handle the process use your local handyman services to reduce the risks and associated costs.

Remedial Massage Can Heal!

Medical science has proven the benefits of all legitimate massage styles. Massage therapy has built a reputation for helping you calm your nerves, release tension and help eliminate pain you have in your muscles, tendons, ligaments, common joints and bones.

There are many different types & styles of massage, each with a different focus, but generally speaking they all do what is mentioned above. However some massage styles are more rooted in traditional medicine. The claims of medical benefits from massage therapy has built over decades to the point where many traditional medical practitioners have utilized elements of massage and found them to be extremely helpful for patients.

At the top of the list of effective massage types, is remedial massage. This type of massage is practiced by the most well-trained massage therapists and is used in hospitals and medical clinics around the world. The reason it has become so popular is because of the specific benefits remedial massage offers. Here are a few of those wonderful benefits.

Understanding Remedial Massage

Remedial massage begins with a detailed and in-depth assessment of the patient and their body. There is a specific focus on the condition of the ligaments, connective tissues, tendons, joints and muscles so that the therapist can understand the type of therapy that needs to be implemented. This vital information dictates to the therapist the type of massage regimen to use. Each patient will have a different set of circumstances and require a different, specialised therapy.

Remedial massage therapists are trained in the movements and workings of the body including pathophysiology, physiology and anatomy as well as many different types of massage. This massage therapist will mix & match different massage techniques in order to create the most effective massage therapy.

Benefits of Remedial Massage

Remedial massage patients will often visit a remedial massage therapist on the advice of a medical physician if the patient has chronic, recurring or severe physical injuries that have a chance to be helped with massage therapy.

Remedial massage can benefit patients by:

  • The elimination of muscle tightness
  • Increased function in the Lymphatic System
  • Improved circulation
  • Better joint mobility and flexibility

Recovery from Soft Tissue Injuries

Remedial massage can also heal some soft tissue injuries. These can occur from many situations such as a trip or fall, car accident, playing sports or due to a degenerative disc or tissue condition. Remedial massage is able to aid with quicker and better healing of these injuries.

Remedial massage therapists are often thought of as the most skilled massage therapists because of their in-depth knowledge of the body and how to use massage to both relieve pain and heal. They take techniques from the best massage therapies and use them as needed on patients.