Can You have too much Credit

You can never have too much credit – so says Liz Pulliam Weston on MSN Money.

We all have too many bills to pay. We all need better money information. We grape simple rules and remember them – like “If you have too many credit cards with large credit limits, the bank will think that you could owe more than you can pay and will not give you a loan”. This is an incorrect myth. Ten years ago this may have been true, but it no longer true.

What is true – you can have too much debit – if you owe too much, then the bank will not give you a loan. Too much debit is actually not a good way to put it. What”s important is the gap between the credit you use (debit) and your available limits (credit). The bigger the gap the better the credit scores. Closing accounts or asking for lower limits shrinks that gap and can hurt your scores.

Trade with Cuba

May 2009 – What do you think about trading with Cuba ?

Maybe they will buy more from us than we do from them – that would be good… Read More from AP updated 8:41 p.m. ET, Fri., April 17, 2009. At the Summit of the Americas, President Barack Obama declaring he “seeks a new beginning” – including direct talks – with the Cuba”s communist regime. Trading their warmest words in a half-century, the United States and Cuba built momentum toward renewed ties on Friday.

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President & British Prime Minister meet

April 2009

President Barack Obama and British Prime Minister Gordon Brown meet on Wednesday prior to the G20 meetings coming up. As they meet thousands of protesters gathered in the British capital”s financial district, with some demonstrators smashing their way into major banks while others threw eggs and fruit at police. Obama said there was “enormous consensus” between the world”s rich and emerging countries on plans to kick start the global economy.

We could all be a little Greener

We could all be a little Greener.

The very first step that everyone should take is to Recycle – In my town, the town trash collection does recycing, so all we have to do is put recyclable items in the recycle bin. The second thing that we can all do is the get educated – try the website

Easy Ways to Recycle:Recycle your trash – Check with your town to find out how to recycle your trash.  You may need to purchase a couple of bins for glass, plastics and paper.

Buy products made with recycled materials – Many products are made with some percentage of recycled materials. Take a couple of seconds to check the labels. Computer paper, notebooks, paper towels, toilet paper, plastic products, and many other household items can be found that are made from at least partially recycled materials.

Reusable bags – Rather than using paper or plastic disposal bags, use reusable bags instead. Many stores sell them at a reasonable price.

Try to cut down junk mail – Don”t let paper be wasted on mail that you do not want anyway. Just call the customer service number printed on the catalog or advertisement and ask to be removed from the mailing list.

Recycling is Good Business:

Most people know that recycling plays an important role in managing the garbage generated in homes and businesses, and that it reduces the need for landfills and incinerators. Recycling is Good Business. But recycling is far more than a local waste management strategy; it is also an important strategy for reducing the environmental impacts of industrial production. Supplying industry with recycled materials, rather than virgin resources extracted from forests and mines, is environmentally preferable because it saves energy.

Recycling is Growing Business:

Recycling is a growth industry with many kinds of business opportunities, from collection and processing to manufacturing to inventing new technologies. New businesses in anywhere will create jobs for more area and improve our economy.

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Title 5 – Sewer System

6 GreenMeadow Dr in Billerica to the Massachusetts Title 5 standards.

We have been asked by the Billerica Board of Health to bring our sewer system up to Massachusetts Title 5 standards… Our system has been failing for some time now and we were hoping that town sewage would be down our street by now… So, if anyone out there knows about Title 5, or an inspector or engineer in this field in the Billerica area, please let me know…Read More on The Massachusetts Department of Environmental Protection (MassDEP) Website.

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I love Owls

I Love Owls…

Owls are birds mostly solitary and nocturnal birds of prey. I just love them. They include about 200 species and have a large, broad head, binocular vision, binaural hearing, sharp talons, and feathers adapted for silent flight. They are from the order Strigiformes. Owls hunt mostly small mammals, insects, and other birds, although a few species specialize in hunting fish. They are found in almost all regions of the Earth. Owls are divided into two families: the family of typical owls and the family of barn-owls.

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