Chase Perfect Card

0% Introductory APR* on balance transfers
Earn a 6% rebate on all gasoline purchases for the first 90 days your account is open
Earn a 3% rebate on all gasoline purchases after the 90 day introductory period
Earn a 1% rebate on purchases
All the rebates you earn are automatically credited toward future purchases

Until now, gas rebate cards had their limits: one brand of gas and that was it. Those days are over. Earn rebates on all of your gas purchases with the Chase PerfectCard™ Perfectly Rewarding™.
Perfectly Rewarding
6% rebate on all gas purchases made at any gas station for the first 90 days.
After that, you'll earn a 3% rebate on all gas purchases.
Earn a 1% rebate on all other purchases everywhere MasterCard® or Visa® is accepted
0% Introductory APR* on balance transfers
All the rebates you earn are automatically credited towards your future purchases
Worldwide acceptance
Generous credit line
Automatic Travel Accident Insurance
Purchase Protection
No annual fee first year. Thereafter, the $19 annual fee will be waived if at least nine (9) purchase transactions were made in the prior year.
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DID YOU KNOW?

	Much like the bad credit home loan market, the bad credit automobile loan market is a crowded and competitive arena. If you find yourself in the position of needing a bad credit automobile loan use caution in selecting your lender. While most lenders dealing in the bad credit car loan sector are honest, there are those who skirt the law with predatory loan practices. Knowledge is the best defense against these dishonest loan agents. Know more about your own credit than the lenders do. Arm yourself with a recent credit report and FICO score. If a lender says he has different information about your credit than you do, ask him for his sources. If at all possible deal with a financial institution where you already have a banking relationship. Many banks and credit unions will help you apply for "second chance" programs. They know that when they help their customers in the short run they will retain the business of those customers in the long run. Be Careful With Who You Apply With - Be extremely cautious when responding to any solicitations from bad credit lenders no matter how those solicitations are received. Do not give any sensitive personal information to a lender until you have checked the company out with the Better Business Bureau. The best course of action is to initiate contact with a lender yourself from a list you have compiled through the Better Business Bureau and personal references. Don’t be embarrassed by the fact that you are having to inquire about a bad credit automobile loan. Many lenders make more money off of their bad credit customers than off of their more credit worthy customers. Find out the current interest rates - Interest rates fluctuate from day to day, so check them often. Depending upon the state of your credit you can expect to pay from as little as 2% above the average rate to as much as 17% above the average rate. Rates above this are in many cases illegal. Watch out for lenders who charge the legal rates but tack on an assortment of finance charges and prepayment penalties. Research The Price of Your Car - When you have narrowed down your car choices, research the value of the different models. The price of a car being financed with a bad credit loan may be a little higher than the same car for a good credit loan, however, the difference should only be a few hundred dollars not a few thousand dollars. You can become trapped in loan if the dealer inflates the price to the point where the car is financed for more than it is worth. Just as you will shop for your car, shop for your lender and let all of them know that you are talking with more than one company. If you think a lender can do better, state your case and ask for different terms. Any reputable lender will put its proposals in writing with all the blanks filled in. Further, you should always be allowed ample time to read all of the loan documents. Walk away from any lender who pushes you to sign something that you haven’t had time to read. There are compromises you will have to make because you need to obtain a bad credit auto loan. These compromises don’t include being taken advantage of by a predatory lender. A bad credit auto loan should be a stepping stone to reestablishing your credit not a trap that may result in additional credit difficulties.

Whether you are looking to start a new home business or currently operate one, knowing about the tax deductions available to you can reap huge benefits for your business around tax time. There are many deductions that you may be eligible for including…

1. Start-Up Expenses- If you are not yet in business you are not eligible for any deductions. When you actually begin the business, many of the expenses you incurred during start-up are deductible over the first 60 months you are in business. Expenses may include web design, advertising, research, travel expenses, and operating expenses (rent, phone, supplies, and utilities).

2. Office Expenses- The rent and utilities that you spend on an outside office or other workspace are eligible for deductions. If you operate from a home office, you can also deduct costs associated with it. An example of home office expenses is your rent and some utilities. Contact your tax professional for advice.

3. Supplies- A business supply is defined as an item that you finish using in less than one year. Excellent examples are pens, paper, and postage stamps. Oftentimes these smaller expenses are overlooked but they add up quickly.

4. Insurance- If you operate from a home office, you may deduct a portion of your homeowners insurance. Self-employed people are also allowed to deduct 100% of their health insurance premiums from their income taxes. Generally, you can deduct the ordinary and necessary cost of insurance as a business expense, if it is for your trade, business, or profession.

5. Professional and Legal Services- Any business related fees that you pay to accountants, consultants, attorneys, and other professional can be deducted. Consulting a tax professional is recommended.

6. Vehicle Deductions- Deductions for car and truck expenses is the most popular with small businesses. All driving costs are tax deductible, with the exception of your commute to and from work. To track your expenses you can track all your expenses including (gas, repairs, and oil) or use the standard mileage rate. The standard mileage rate as of December 31, 2005 was 48.5 cents.

7. Business Travel- These deductions include transportation to and from destination, fares encountered at you destination (taxi, commuter bus, airport limos), baggage and shipping, rental car, 50% of meal expenses, dry cleaning and laundry, telephone, and any tips or gratuities for any of the above.

8. Entertainment and Meals- Restaurant and entertainment costs can be deducted at a rate of 50% if you have a serious business discussion during, before, or soon after the event.

These are examples of deductions that you may be eligible for in the operation of your home business. It is highly recommended that you consult your tax professional for additional information and specifics.