Dr Saxe

Communication Issues

Anyone who has the opportunity to learn another language would be smart to take advantage of this education. We are becoming a population that is so diverse that communication is becoming a big issue and not one to take lightly. To be able to understand and to be able to translate is a wonderful power these days. Businesses are looking for people that are multi lingual, being able to converse with your customer is a big deal and rightfully so.

There are cuts being made in our schools. Foreign language teachers are being laid off, along with the art and music teachers, which should be of concern to all of us. We need our students to learn languages to use in the future in the business world. A translator can earn big bucks these days and are becoming in high demand as the years go by.

There are translation services popping up everywhere, online and off, and they are doing very well. They are always looking for people to hire that can speak other languages and not just Spanish, although we have a huge amount of Spanish speaking people in our country these days. German, Japanese, Chinese, French, Vietnamese and countless other languages are in demand as well.

5 Smart Moves To Make Before The New Credit Card Law Takes Effect Come February 22nd, 2010

I read an interesting article on Yahoo about the new Credit Card Laws that will go into effect come February 22nd of this year of 2010. Words and thoughts to ponder.

1. Consider waiting to get new credit cards until after Feb. 22 because new accounts are protected from interest rate increases for the first year. As issuers compete for new customers in the new reform law landscape, there may be good deals and offers for people with good credit.

2. For existing accounts, consider doing a balance transfer from higher interest rate cards to accounts with lower APRs. Some issuers are offering good customers balance transfers of at least a year. Remember that there is a cost of 3 percent or 4 percent of the amount transferred, so weigh that decision carefully. Also, take note of what the new interest rate will be AFTER the promotional period ends. If it’s higher than the rate on the old card or only a few points lower, it may not be worth it to switch.

3. Have a Plan B backup card or two. Issuers can still lower your credit limit and close your account without advance notice. Make sure you have more than one card as a backup in case this happens to you and you need a credit card for emergencies.

4. Charge a small amount on those other cards every other month and pay it off in full when the bill comes. This avoids any dormancy fee that may be assessed and may prevent the company from closing the account for inactivity. Some issuers require a minimum amount of charging to avoid inactivity fees, so check your terms.

5. Young adults’ access to credit will be restricted by the new law. For college students or anyone under 21 who is responsible with credit, the best move could be to get a credit card now while you still can on your own. After Feb. 22, you will have to get an adult (over 21) co-signer and may be asked to show proof you have the ability to pay.

Show Me The Money!

With the holiday season done and over with a lot of us are just now getting and seeing our credit card bills and freaking out seeing how much money we are now responsible for and need to get paid off as soon as possible. The interest rates on my credit cards are eating me up alive, it is too bad that Obama hasn’t done much in an effort to make our credit card issues a top priority. Most of us are only keeping our head above water by using our credit cards to pay for today’s necessities and are just getting deeper and deeper into debt by doing so.

What really irks me is that a lot of credit card companies are not allowing us to use our other credit cards (VISA, MC, Discover, American Express) to make our monthly payments, they want to be able to suck the money out of our checking account or bring cash to one of their payment centers, which of course are usually not local. So many of us are recently turning to these emerbency cash loans and payday loans, they can be a life saver if used wisely, unfortunately life gets in the way and “stuff” happens and we are always in need for some cash for some reason or another.

Oh to be back in the days when bartering and trading were the main way to get what we need in our daily lives. I am glad to see that a lot of bartering is once again going on these days due to the economy being in such a state that people are trying any and every thing available to them in order to survive until our government can get us out of this mess that we have gotten ourselves into this past decade. Bartering works well for every one involved and it keeps Uncle Sam at bay in the mean time, which is all good, wouldn’t you say?

I have some home improvements that I’m starting to look into for when the weather breaks. If my income tax refund isn’t all what I expect it to be I just might be looking for an emergency cash loan to tide me over. What ever it takes to get her done without costing me an arm and a leg in the process is all good.

Big Mac Wrap

I’ve seen commercials on the TV for the last couple of weeks for the new Big Mac Wrap, which sounds like a nice change for McDonald’s. Today I stopped at one of our local McDonald’s and wanted to try one out only to find out that our McDonald’s hasn’t started serving them as of yet. What a bummer. Guess I’ll just have to keep stopping by until they catch up with the rest of the world.

Back East

The first major event in our family in the new year of 2010 is the relocating of my younger brother, the baby of the family is coming back home. He gave the west coast one heck of a try, but his luck just didn’t hold out long enough to keep him on the other side of the country any longer. He lost his job, his wife, his kid and last but not least by any means he has lost his condo that he worked so hard to live in while the going was good.

He is looking online into some Los Angeles Local Movers to load him and his stuff up and make the long drive back east to NYC once again. He is recently divorced so he doesn’t have a whole heck of a lot of stuff anymore, but what he has needs to be entrusted to a reliable moving company that won’t cost him an arm or a leg. Our cousin all ready referred him to a company that she used by calling 1-800-431-3920 as toll free number where clients that are moving in Los Angeles can get a free moving quote. Word of mouth still can be the best type of advertising  in these high tech days. But what ever he comes up with will be his choice and his decision, he is about the hardest headed guy I’ve ever known in my life time I can tell you that!