Credit cards aren’t evil or a menace. They are more like a double edged sword. On the one hand, they can be so beneficial to your financial life, and on the other, they could be the fastest route to destroying all that you have built.

For instance, using a credit card, you can rack up some serious reward points. And these reward points can translate to hundreds, and thousands (yep you read right) of dollars yearly. You can even gain some bonuses from special promos that could see you flying around the world at no single cost to you.

But there’s still a dark side to all of these. Credit cards are not completely innocuous (mejores planchas para el pelo).

That message from your bank that reads “Congratulations!” and then goes on to tell you how you’ve been preapproved for some platinum card? That is no congratulatory message. So don’t celebrate.

Because what your bank is actually saying is that they have recognized your remarkable talent of spending money that you don’t have. And what better way to “reward” such “talent” than to increase your spending limit?

So, ultimately, you spend more, which means you’ll have to pay more by way of interests. And at the end of the day, instead of smiling to the bank, your credit card company smiles to the bank with your money.

This is a bad narrative and something everyone should break free of. This adage puts it aptly and succinctly: a borrower is a slave to the lender. Period.

So, here are four tell tale signs that you are allowing your credit card ruin your life…

  1. You’re always worrying about your credit score: A good credit score isn’t equal to financial success. What it is equal to is that you’re excellent at managing debt. This isn’t a life skill, so, don’t get excited. Debts bring stress and keep you in bondage. If you must use credit cards, ensure that your balance is completely paid out every month.
  2. You love the rewards: Credit card rewards are great but you must understand that they are still a ploy by your credit card company to get you to spend more. There are ways to play this game in a way that you don’t spend too much. A simple but effective first step might be to stick with your budget. But bear in mind that no matter how wonderful, credit card rewards aren’t the key to financial success.
  3. You think you need a credit card for emergency: That’s what the credit card company told you. And that’s what all your friends say. We wish we could tell you that’s true but, it’s not. Cash emergency funds are always way better than credit cards. Again, budgeting is important (mejor aspirador sin cable).
  4. You think having a credit card is a necessary part of life: It is, true. But it doesn’t have to be a part of your life. If you discipline yourself a little more, you can actually manage without a credit card. The key to this is planning.

So, have you noticed any of these signs in your life? It’s time to take a 180 degree turn and do things right. Your credit card will only ruin your life if you let it.

Composition is important in any type of art including the art of photography. A good camera and other equipment alone is not enough to make some good pictures. If you want to become a good photographer not just someone who owns a camera, you should also know everything about composition and other artistic aspects of photography.

First, you should understand what does the term composition means in general. Composition doesn’t apply only for visual arts, but also for such types of arts as dance, music, literature etc., so it’s not only about how thing look. Composition is a placement of any kind of objects or elements in an art. For example, movements in a dance, lyrics in a song or objects in a photography. The key of success in any art work is to make a good composition.

If you know the meaning of composition in general, it shouldn’t be hard to understand the meaning of composition also in photography. Basically, it means the way photographer is arranging the objects in the image. It sound very understandable and easy, but actually it can be quite a challenging, especially if moving objects are being photographed. Photographer needs to find the most suitable and best looking order of objects and position within the frame. Also the angle and position of camera can change the composition, for example, wider aperture between objects and the background will blur the background more. So there are a lot of aspects that should be taken in consideration to make a good composition of the image.

The composition in photography is so important, because that is what makes the picture interesting and can turn simple, plain things into a masterpiece. For example, you can take a picture of a most stunning landscape, but if the composition is not good, it won’t be a piece of art, but just a simple photography just like any other. At the same time, you can take a picture of simple urban environment and if the placement of objects is harmonious, the picture will look great.

The hardest part of making pictures with good compositions is that there is no one right way to do that. Many people might doubt that, because composition is being taught in art schools and there are some basic rules of composition. That is true – by these rules anyone can take a picture that is pleasant for the eye, but art doesn’t work like that. Following these rules you can take a good picture, not a great one. However, if you are a beginner, these rules might help you to understand, how objects can be placed in the picture and later figure out what works well and what doesn’t.

The basic rule of composition, that most of the photographers’ uses, is the rule of thirds. That means the whole image should be divided into nine equal areas by four lines. Two of these lines have to cut the frame into thirds vertically and the other two horizontally. Then the most important objects of the image must be placed in the intersections of these lines. Of course, there is also lot of other composition rules, which works not only for photography, but for any visual arts. After learning the basics of composition it will be a lot easier to make creative and stunning photographies.