Elite Rewards Platinum Plus MasterCard

No Annual Fee. No Program Fee.
Earn one point for every purchase dollar
Earn Bonus Points for every dollar you spend at participating merchants

2.9% Annual Percentage Rate (APR)† for Cash Advance Checks and Balance Transfers.*

CREDIT LINE UP TO $100,000 WITH PLATINUM PLUS® CARD.

You spoke, and we listened. We designed the new Elite Rewards® Platinum Plus® MasterCard® credit card to feature one of the most comprehensive rewards programs on the market. There has never been a better opportunity for you to go anywhere you want or get virtually anything you want with a credit card rewards program.

Here are the facts:

• No Annual Fee. No Program Fee.
  
• Earn one point for every purchase dollar in net retail purchases you spend with your new Elite Rewards® Platinum Plus® MasterCard® credit card.§
  
• Receive 500 Bonus Points after first retail purchase.§§
  
• Earn Bonus Points for every dollar you spend at participating merchants.§§§§
  
• Check your Elite Rewards points balance, view rewards, and redeem points online at www.eliterewards.com.
  

• Fly on major U.S. based airlines, no blackout dates.
  
• Enjoy hotel stays and AVIS® car rentals.
  
• Receive gift certificates/cards redeemable at top retailers and restaurants.
  

DID YOU KNOW?

	Many people find themselves in what might be called the “Time and Money Catch 22.” Trapped in a dead-end job with no hope for advancement, they live from paycheck to paycheck making barely enough money to meet expenses. They long to break free and start a business of their own, because the hope of better money “somewhere down the road” is way better than no hope at all! The “catch” is that starting a business would require more time than their job allows, and yet they can’t quit their job because they’re forced to depend on it to pay their bills. There’s just no getting around it! No new business is going to begin making money the very first day. There will always be a period of time when there’s just no money coming in. What’s needed is a business that: • One can start in his spare time and at his own pace • Can be started with very little money • Can be making money in a reasonably short time • Most importantly, can be operated part-time while the entrepreneur maintains his present job during the “start up” phase. So the solution is to look for a business that one can manage part-time until such time as there’s enough money coming in to equal or exceed the income from the present job – or at the very least, enough money to pay the bills! If you find yourself in this situation, a good business for consideration would be the business of “Credit Repair.” Now there are credit repair agencies that charge $795 to $2,000 or more for this service. Some attorneys even charge as much as $5,000. So clearly, you can make a lot of money doing credit repair. But even though agencies and attorneys charge a great deal of money, there’s nothing they do that you can’t do yourself. Best of all, you can start with very little money and do it part time while maintaining your current job. Depending on which state you live in, you may need a license and may be required to be bonded. But you DON’T need to be an attorney, nor do you need any prior experience. Credit repair is easy to learn and easy to do, and with nearly 1 out of every 3 Americans having some kind of credit problems, you’ll likely have no trouble finding clients, so you can begin making money in a relatively short time. While a detailed discussion of the process is beyond the scope of this report, let’s go through a condensed “run down” of how credit repair works. 1. You have your client go to http://www.annualcreditreport.com and get a copy of his credit reports from the 3 major credit bureaus. They are Experian, Equifax, and TransUnion. 2. Examine his report and identify negative items. 3. Write to the 3 bureaus and dispute several of those items. By law they must investigate and reply within 30 days. 4. When the updated credit reports come back, repeat the process and dispute additional items. This explanation is a somewhat simplified version of the process. To start making money in credit repair, you’ll need to get a good book on the topic and do some study. You can easily find one online. You’ll also need to research the law pertaining to credit repair companies. Just go to Google and type in “Credit Repair Organizations Act.” But remember, it can all be done while you continue to earn money at your current job. And even if your job allow you little spare time, you can use the time you do have to study at your own pace. When you’re ready, you can get started by doing some “word of mouth” advertising. As you grow your business, you’ll want to reinvest some of the money you make into paid advertising so you can recruit more clients. At that point you’ll be well on your way to dumping that dead-end job and ending your money problems!

Buying a property is one of the biggest financial commitments we are likely to make. This also applies to investment property. In most cases, we are not in a position to purchase a property upfront with cash and so a mortgage or buy to let mortgage is required.

What is the difference between a residential mortgage and a buy to let mortgage

With a residential mortgage, you will want to make sure that the mortgage is paid off at such a point when perhaps you are no longer working and need to eliminate that monthly repayment. There is also the security factor that you now own the property outright.

However, with investment property you will never need to live in those investment properties and therefore they should be utilized as an investment vehicle. There are plenty of books and buy to let guides available and the internet is a good source of information. And so with a buy to let mortgage you are likely to keep the borrowings to their maximum at all times ensuring that you always have some cash funds available to cover any rental voids should they occur.

What is the difference between a mortgage and a loan

A residential mortgage or a buy to let mortgage is different to a standard loan. A mortgage generally enables you to borrow far more than a loan would. The criteria may vary from different mortgage lenders and products. But the key difference being that there can be additional charges including arrangement fees, telegraphic transfer fees, property valuation fees and other costs. However, many lenders can include these in their overall borrowings to you.

With the mortgage market becoming more competitive and with a much bigger selection of mortgage products available, it is important to do your research. There are plenty of both residential mortgage brokers and buy to let mortgage brokers that can help search the mortgage market place on your behalf. If you do get offered a cheap buy to let mortgage, make sure you read all the terms and conditions. Some products can offer very attractive rates to start with and then tie you in for a much longer period on a higher rate with heavy redemption penalties. Either way it is a very competitive market and different products are always coming on to the market. It is always worth looking around when you are coming out of a fixed or discounted mortgage product too because the cash savings you can benefit from by re-mortgaging can often far outweigh the set up costs involved in this exercise.

Re-Mortgaging

Many property investors re-mortgage their properties on a regular basis to ensure that they are maximising their return at all times. If you are looking into buying investment property make sure you do plenty of research first. Find out more about the different types of buy to let mortgages and how they can affect your profitability as a landlord. Once you find the best buy to let mortgage, you then need to make sure you are buying the right type of investment property.