Pony Of Prey Blog

Store cards and credit cards have their advantages and disadvantages, but which is best for you. In this article we point out some basics to help you take control of your spending.

Store Cards

Do you have a store card? How many do you have? Do you know how much you are spending on each?

Store cards are a great idea if you use them properly, but they can cause huge amounts of personal financial damage if you don’t take control.

When you are offered a store card here a few things to bear in mind:

1. Get very clear on what the offer is exactly. Most stores will offer a card with a promotional deal - say 10% off any purchases that day and for the next week. So what exactly is the offer and how long does it last?

2. Sometimes store cards are heavily pushed during a sale. Again, what’s the offer - for example, do you get 10% off sale items too?

3. What are the privileges you get as a store card holder? Do you get a discount every time you shop? Do you get reward points of some kind? Do you get special preview events for new ranges? And what are the details - how many points, how many previews a year?

4. How much credit are they offering you? And can you handle it - or will it make you feel like a kid in a candy store?

5. What are the repayment terms exactly? What’s the minimum repayment? What’s the APR - during the offer period and after the offer period?

6. Are you bothered? It’s easy to take up what seems like a great offer with no effort on your part. But remember you would probably have bought the things you are buying even if there was no store card being waved in your face. Do you really want another piece of plastic, another debt?

7. Can you get the things you want cheaper elsewhere anyway? Most things you usually can do.

8. Can you pay for the things you want using your credit card? Credit cards usually have a much lower APR than store cards - so unless you can afford to make repayments in full, you could well lose in interest payments what you gain in special offers.

Credit Cards

The same kind of questions can be asked about credit cards:

How many do you have?
Do you know what you’re spending?
Are you in control?
What are the special offers - low interest, 0% balance transfers, etc?
What’s the credit limit and can you handle it?
What are the repayment terms, including APR?

The major differences from a store card are that you can use a credit card almost anywhere, and that the APR is usually a lot lower. It’s also a lot easier to control your spending if it’s all on one card.

So when you’ve weighed up both kinds of card, what should you do? Here’s a couple of ideas:

1. For general use, have just one credit card. Keep the credit limits low and in control.

2. If you are offered a store card and there’s an unbeatable opening offer on your purchase, take it. Then, if you can’t pay off the debt in one go, use your credit card to pay it off so that you at least get lower interest charges. Next, when your shiny new plastic card arrives, cut it up! Seriously. If you don’t destroy it you (or someone in your family) will spend on it and the debt spiral will continue.

Craig Brown
The American Credit Cards Guide: http://www.americancreditcardsguide.com

Why so many campaigners are out there fighting for the rights of cruelty to animals?

Animals can not speak for themselves, so we as caring considerate human beings with feelings act as their proxy to get a message across and that being is that animals feel pain.
Many animals are subjected to barbaric torture just for the amusement of blood thirsty callous sadists. How on earth someone in their right mind can find pleasure in watching the suffering of an innocent animal is beyond me?

Take the fur/skins trade who cash in by ordering the death of baby seals in the hundreds. Baby cubs are smashed over the head with heavy instruments till the blood flow turns to a trickle.

The fear and pain in the doe eyed baby seals eyes is not enough to stop the fatal blow from being cast. What must mummy seal be feeling as she lay helpless watching her newborn merciless slain.

Heartless sadistic actions of cruelty inflictors needs to stop, where is the fun I ask you? In chopping off a kitten’s tail or severing the neck of the swan by embedding an arrow through it.

Then we have the so called pet lovers who starve the family pet dog till his skeletal bone structure protrudes through its limp flesh.
I hasten to add at this point this is not directed towards the genuine animal lovers out there.

Perpetrators behind the killing and the maiming of innocent animals for no reason has to be brought to justice just like that of a murderer taking human life. This is about pain and suffering so an eye for an eye whether it be man or beast.

People who encourage and enforce inhumane acts to take place on defenceless animals in their absence are just as guilty as the person who takes life from any animal. This also goes for audiences of onlookers who may just as well be holding the murder weapon.

How can we help put a stop to this?

Eventful nights like Bonfire night where fireworks are used make sure to keep your pet indoors.
Be more vigilant where crowds are, gangs mobs yobs get there kicks out of kicking cats. Once again this does not apply to all.

If a friend/relative of yours has a sadistic streak where they force you against your will to watch or join in on an evil deed to cause unnecessary pain towards an animal, then call the Police or RSPCA. This person has to be warned that this sort of behaviour will not be tolerated.

He/she’s next victim may not be of our four legged friends but that of a human.
If inflicting pain is in their blood, ask yourself do you need to hang out with this so called friend.
Friends feel pain too and the next on their list to endure pain and suffering may well be you.

Remember back to how mums and dads told us at a young age that when we die we go to heaven and come back down to earth as an animal. Now I don’t know how much truth there is that, but what I do know is that God works in mysterious ways and if it is comeuppance time for the sinner. Then I rest my case

This has got to stop, have you been subjected to abuse by the hands of a sadist. Are you in the need of talking to someone, Go to Kacys Content page at www.benidormbeaches.com, you may find some useful information.