30% credit card Rate, WHAT???

I spoke with a gentleman today that told me that he was hospitalized for two months, and when he was released, he found out that due to non-payment of his credit card bill, his rate is now 30%. Can you beleive it, 30%!!!!! He said that when he called the credit card company, he ask them, when his rate would be reduced back to normal? He said that the representative told him that she didn't know, that the computer would tell them. He said that he looked at the phone, and then told her that his computer just told her to go to HEll. LOL! :)

Idle funds in your account???

Today, I met with a gentleman that has a substantial amount of money with a local bank. He was an older man, who believes that he knows how to make a dollar and needs no advice from a bank, are you kidding, advice from a banker. Although he was very sweet and charasmatic in his approach, he did know his stuff, so it took some convincing. Obviously in today's market, people are really concerned about getting a higher return on investment, but staying somewhat liquid. After about 30 minutes of chatting, we decided to try munity bonds. This is another way besides a CD or a money market that can help you get a higher return, but stay somewhat liquid.