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What exactly did happen to Uncle Ed? Or, Fear and Loathing while growing moss between the fingers in the Pacific NorthWest.

What exactly did happen to Uncle Ed? Or, Fear and Loathing while growing moss between the fingers in the Pacific NorthWest.

by Stephen Ulrich

Another beautiful rainy June day in Vancouver.   Washington, not Canada.  For some reason, we live here.  OK, I know why we live here:  Family, friends, Wide Open Spaces, Affordability…… certainly NOT the weather.

The month of February where it didn’t get over 28’F for two weeks, and marked the wettest weather in recorded history, was entertaining in it’s own right.  Not unlike Oakland (where I was born) boasting the Greatest Basketball Team of all time, the Pacific Northwest is smashing records left and right.  Trump be damned (please) we are hellbent on being singularly responsible for refuting global warming…. but I digress.  Suffice it to say that grey weather in the farking winter is just fine, but the middle of June?  No esta’ bien!

While waiting for my Gardner’s aid, helper boy, skilled laborer, (i.e. my hands) to arrive, I find that the caffeine has once again drawn my fingers to the keyboard.  I was, honestly, just stopping by to check the weather to see if it could possibly be drier this afternoon so we could plant the Dogwood.  Dogwoods are a most resplendent ornamental tree, and given the grey nature of the sky in this area, they are a modest accoutrement for an otherwise dreary backyard skyscape.  No wonder the wife has “bedazzled” the interior of our spacious abode with the maximum lighting the square footage would allow.  The photo above depicts the exact amount of light normally required to depilate the nose and body hairs from an adult male homo-sapien.

The weather being confirmed as abysmal for the remainder of the day, the timing of the planting of said Dogwood has become secondary to its placement.  According to those in the know, the root system of a Dogwood is extremely shallow and likely not to require the three-foot pipes full of rocks I was intending to supply to direct the water to a deeper root system.  This is a blessing not to be taken lightly.  What it means is that I really don’t have to install a separate drip line/system for a Dogwood, rather it needs to be insured that the lawn gets watered regularly during those hot dry summer months which are apparently feigning complete avoidance of the entire area, all up in here!

Now my lovely and attractive wife is concerned that the placement of the Dogwood will not only interfere with the Badminton net/players that grace our yard at least twice a year, but endanger our view of the entire sky itself. I guess if we lay down under it?

The trees are gorgeous.  It is 80 degrees in San Francisco and I miss it.  The waterfalls are beautiful here and the trees are green all year long.   Except for the ones that lose their leaves completely. How am I supposed to spend the day in the garage working on my boat to enjoy the sunny lake we are visiting on Sunday when it is raining outside?  Maybe I should eat something.

What DID ever happen to Uncle Ed?

 

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What’s The Right Credit Card For My Business?

gty_credit_card_choice_kb_130405_wgA number of credit card providers have been really aiming at including small businesses in their product line. For new, small businesses this can work wonders as it is a lot easier to get a credit card than a loan from a bank.

Of course, there are dozens of choices available and this can often make it quite hard to choose a specific card. The best way to evaluate the sort of card that’s best for your business is to take a look at its spending habits. Different businesses have different spending habits, depending on the sort of business they have.

Balance

Consider if you plan on paying the balance over each month, or whether you will pay it off with time and want to pay the minimum payment. If you do decide to carry the balance then you will need to take a look at the annual percentage rate, as this can end up being quite costly for business if it goes wrong.

For those that wish to carry their balance and also have good credit, take a look to see if you can get a 0% credit card, as this will mean you pay nothing back for a set period. Fixed rates can be very attractive when interest rates are rising; however this is not the case currently.

For businesses that pay all of their balance each month, they should look for cards with rewards or longer periods of grace. These businesses can benefit greatly from paying back and the rewards for being disciplined are good. However, make sure you are disciplined as the costs for not being so are also high.

Charge Cards

A good alternative to the credit card is the charge card. This card differs as it allows businesses to have a short line of credit. The card will always be paid back in the full amount at the end of the month and there are harsh penalties. However, if you do pay back in full your business will receive a number of benefits for doing so. Charge cards often also charge an annual fee and there is a similar process to the credit card application online, when applying for one.

Though, if you do need flexibility, then a credit card is a better option – just be aware of the interest charges and when you need to pay the balance.

Rewards

We’ve mentioned rewards on a number of occasions and both credit card and charge card companies issue these. These often come in the shape of air miles, cash back and discounts at retailers, hotels or for services. Access to airport lounges and hotel upgrades are also part and parcel of these benefits and perks. The main thing here is to pay attention to the fine print if you choose a card with these perks, as the costs of not meeting the criteria are high.

So, in conclusion, the best way to choose a card is to look at your businesses situation and all the financial products out there and then take your ability to pay into account. By then choosing a card around your ability to pay, you can be sure that you will avoid steep charges and gain all the benefits you can.

Cormac Reynolds writes financial articles for a variety of businesses and blogs and has done so for many years.

 

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