Dr Saxe

Some Good Old Fashioned Camping Is In Order

With such great weather for the next few days it has brought on a craving to be spending time Outdoors. Some Camping and Hiking sounds like a great idea, but I’m sure that the ground is still a bit frozen from the harsh coldness and all the snow that has been so abundant for the past several months. But the real Spring season should be rolling around pretty soon and I’d like to get out the Sleeping Bags and Tents out and take a weekend to do some good old fashioned camping with some good friends.

If I need to pick up any item that might be needed that I can’t seem to find I can always go online and pick up some sweet deals on the Internet. There are plenty of good deals to be found these days. Companies are hurting for business, big time, so prices are dropping in order to make any type of sale.

I do believe that when the weather breaks and we get out of this dark cold winter, people’s spirits will start rising. It’s been a rough winter and with the economy not showing any signs of improving there are a tremendous amount of very unhappy folks out there. I can only hope that spring will help us all out. Travel and Outdoor Fun can do wonders for a body.

Sports Fan

I come from a large family that always enjoyed a variety of sports, with football being on the top of the list for the majority of the family. Now that the Super Bowl is done and over with we are feeling the temporary loss of our weekend football games that we so totally got into for the past few months.

The Olympics have been a blessing and NBC is doing a great job in allowing us to see all the action, along with the pain and all the glory each evening with their exclusive coverage. But I still miss my football and find myself anxious for the next season to get going and seeing if the Redskins can manage to have a decent season. They are way over due and are making it a challenge to keep admitting to people that I’m an avid Redskin fan.

I’ve been spending my evenings online with the Olympics on the boob tube right along side me, for the most part. I’ve found an interesting sports website(a sports blog) that has a lot of great sports information, even information on online sports betting. I have never been much into gambling, I rarely even buy a lottery ticket, so it was an interesting and an informative easy going read. I like sites that are uncomplicated, and easy on the eyes and the mind.

Golfing at Myrtle Beach This Spring

I do believe that most of us are more than ready for spring. This has been a long hard winter, with more snow in the forecast once again later in the week. We got 3 more inches today which brings the total to well over 50 inches in the last couple of weeks. There is just no more room for any more snow to go. The roads are still a mess and schools have been closed for so long that the kids will need a refresher course when they are finally called back in when the roads are safe enough for the buses in the early a.m.

I looking online for Myrtle Beach Accommodations to get away from all of this nasty cold weather. A good couple of games of golf in the sunshine would be so very refreshing. Going online to find the best Myrtle Beach Accommodation is the way to go, there are deals to be found for online shoppers such as myself. I’ve heard of many great places to stay at Myrtle Beach from many people and there seems to be a lot of golfing going on around the area.

I haven’t been to Myrtle Beach in several years and I’m sure that there has been a few changes since then. I prefer the North Myrtle Beach area but am keeping an open mind and just want to see what is out there these days and I’m sure I’ll find the perfect Myrtle Beach Hotel for what I have in mind, golf wise and beach wise using the Internet and having a bit of patience while researching the whole deal. Wish me luck…….

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.