Thursday, 24 October 2013

Finances- Credit Cards

Credit cards have had a negative impact on families. People use credit cards as a way of life instead of only in emergency situations. This has caused many families to go into debt.

Here are a few credit card samples.

Visa:
  • Visa Classic
  • Visa Platinum; 
  • Visa Infinite
  • Visa Gold

      Visa Gold:
  • Offers rewards on everyday purchases.
  • Redeem points for flights, vacation packages, hotels, merchandise. 
  • 1 Gold bonus point for every $1 charged to your card.
  • Comprehensive benefits
    •  Out-of-Province emergency travel medical insurance.
  • Qualifying household income $35,000.

Master Card:
  • Standard MasterCard
  • World MasterCard                                       
  • World Elite MasterCard
      Cash Back World MasterCard:
  • $1.25 cash back for every $100 spent on your card.
  • Free roadside assistance, including battery charging,lock-out services and towing.
  • Travel protection.
  • Pay Pass
  • Qualifying household income $100,000, individual income $60,000

  • American Express Gold Rewards Card
  • American Express Platinum Card
  • American Express Air Miles Card
  • American Express AeroplanPlus Card
 
      American Express Platinum card:
  • Earn 50,000 bonus Rewards.
  • Points by making $1,000 in purchases in the first three months.
  •  Members are automatically enrolled in the Membership Rewards and earn $1.25 poiunts for every dollar in purchases.
  • Transfer your points into other frequent and hotel programs.
  • Qualifying personal income $40,000
  • Canadian resident and have a Canadian credit file.
  • In the past 7 years you have not filed bankruptcy and always paid your bills on time.


  • Discover it credit card
  • Discover it student card
  • Discover it business card
   
      Discover it Credit card:
  • $100 cash back bonus when you make $500 in purchases in your first three months.
  • 0% intro APR* for 12 months on purchases and balance transfers.
  • 5% cash back in categories that change throughout the year.
  • 1% cash back or more on all other purchases.

People use credit cards like they have the money already, not realizing that the money they are spending has interest . When the bill comes they only pay the minimum amount owed, which then leads them into debt.

Ragdoll Cats



Ragdoll Cats




History: Ann Baker breed Persian cats. In 1960, Ann breed her neighbours long-haired white cat with her Siamese mixed with Persian. In December 1975 Ann Baker patented the name Ragdolls for the first time.



General: The reason these cats are called Ragdolls is because when they are picked up they have the tendency to go limp and relaxed. This breed of cat are mainly blue eyed, large muscular, semi-long-haired with distinct colour point silky coat. They are slow growers, takes up to four years to reach full physical maturity. Males grow to be 15 to 20 lbs, as females grow to be 12 to 15 lbs.


Personality: Ragdoll cats have a nickname Puppy cats because of their devotion to their owners. They are very fascinated by water, they love attention, to play. They are calm, docile cuddly little felines. They make a great first pet, friend for another pet, great with kids and families.

















Thursday, 17 October 2013

Physical Activity

Physical activity is important to me because it helps me stay fit, which helps with my confidence.  It keeps me  energized enough to keep up with my boys. If you exercise you have less chance's of diseases like diabetes,high blood pressure, strokes and ext.                  












I know I do over the recommended amount of exercise I'm supposed to do, and I know I need to start eating three meals a day instead of only one. What I could to improve on is exercises for toning my stomach, and thighs                                                                                             
                                                                         
Over all my well being is good, I consider myself a little under weight due to stress and not sleeping to well, but I'm in good physical shape.