Advanta Platinum Business Card with Rewards Options

0% APR for 15 Months on Balance Transfers, 7.99% Fixed APR thereafter
7.99% Variable APR on Purchases
Choice of 5% Cash Back or Travel Rewards
No Annual Fee and No Limit on Earnings
$0 Fraud Liability
Personalized card -- your company name on the top of the card

Annual Percentage Rate (APR) for Purchases and Balance Transfers: Prime plus 7.99% ; however, for Balance Transfers only, introductory 0% for the first fifteen billing cycles from the date your account is opened.
Default: The higher of the account APR plus 3%, or Prime plus a Default Margin of 17.99%.
Grace Period for New Purchases: 25 days from statement closing date, if new balance is paid in full in the manner and by the time of day on its due date as shown on statement.
Annual Fee: None when you select any Cash Back reward program.
Minimum Finance Charge: If any finance charge is applicable: $1.
Transaction Fees: for Cash Advances and Balance Transfers Cash Advances other than Convenience Checks: 3% (minimum $5); Convenience Check Cash Advances: 3% (minimum $5; maximum $50). Balance Transfers processed during the introductory period: 3% (minimum $5; maximum $50).
Other Fees Late Payment Fee: $15 to $39 based on balance. Overlimit Fee: $15 to $39 based on balance. Returned Payment Fee: $20. Dishonored Convenience Check Fee: $20.
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DID YOU KNOW?

	You’re the recipient of a structured settlement annuity but desire cash for annuity instead of your regular annuity payments. But is cash for annuity really to your advantage? Sometimes yes and sometimes no, it all depends on your individual situation. It’s true there are advantages and disadvantages for both the annuity seller and the annuity buyer. The seller may require expensive medical care that is ongoing. In such a case, a structured settlement annuity would ensure that there is money to cover medical expenses over the long haul. Cash for annuity on the other hand, could vanish quickly leaving you with nothing or next to nothing to cover your medical expenses. Or, if you were to invest your cash for annuity wisely you could produce an even greater windfall. From the perspective of an annuity buyer a minimal investment upfront would produce a substantial long term yield. On the outside a cash for annuity payment may appear to be a win-win situation for both parties. And in some cases it is. However, as an annuity seller you need to understand that once you receive cash for annuity you no longer have any right to your original settlement amount. It is no longer yours to claim and all you receive is the lump sum amount you agreed upon with your buyer. Because of this, it’s crucial you do your homework prior to seeking cash for annuity. Seek the advice of a qualified professional who will give you an unbiased opinion. If your structured settlement is new, now may not be the right time to seek cash for annuity. Your odds for receiving a healthy windfall are slim to none. No buyer worth his or her salt would agree to wait upwards of 20 years to see their investment pay off. Do yourself and your family a favor and seriously look at your reasons for wanting to seek cash for annuity. Do you have an immediate financial need or are you just impatient and have dollar signs dancing in your head? Huge cash for annuity mistakes can be made on impulse when you see large dollar signs and/or financial stress is getting the best of you. If however you feel you could yield greater profits by having cash for annuity upfront then selling may be in your best interest. Last but not least, give some thought to the amount of money you will be forfeiting when you accept cash for annuity. When you’re looking for cash for annuity you need to decide on your bottom line. What price will you accept? Seek the guidance of a professional and once you have answers to all your cash for annuity questions and if you feel it’s in your best interest to sell your annuity then go for it. In some cases, the cash for annuity arrangement may be worth a lot more to you any future payments you’ll be giving up. To learn more about structured settlement annuities visit http://www.annuityadvice.blogspot.com

As interest rates continue to creep upwards, many home owners are looking at refinancing options. Here are some mortgage refinancing tips.

Mortgage Refinancing Tips

Rates have been increasing steadily for the last six months. These increases are expected to continue into 2006. Such increases are putting pressure on homeowners who took out adjustable rate mortgages or have been borrowing money against a home equity line of credit. For people in this position, refinancing into a fixed rate mortgage is starting to look very attractive if for no other reason than to avoid future bumps in the rates.

If you are considering refinancing your mortgage, there are a couple of things to keep in mind. Unlike the rushed process of trying to get funding for a purchase, you have more time to evaluate and compare mortgage options. Shop around and find out what different lenders are offering that fit your potential needs.

1. What is your goal? - Is your goal to lower the monthly payment or to simply try to pay less interest? While these questions may seem like the same thing, a lower interest rate can be translated into the same month payment amount, but with more of the payment being applied to the principal of the loan. This, of course, helps you pay off the note faster. The bigger point is to simply figure out your goal and find a loan that meets it.

2. Shop Lenders - One of the best ways to do this is seek a pre-approval from a variety of lenders. You might be concerned this will hurt your FICO score, but refinance credit requests often don’t ding your FICO. If you’re not sure about this, simply don’t supply the lender with you social security number. They will give you a less definite loan offer, but you’ll still have the advantage of reading the fine terms to make sure it accomplishes your goals.

3. In Writing – Once you choose a lender, you need to nail down three important things in writing. The first is the interest rate. The second is the closing costs, if any. The third is any pre-payment penalty associated with the loan. If the lender drags there feet on any of these, consider walking away from the loan.

Refinancing a mortgage is a less stressful process when compared to getting a purchase loan. You are in the catbirds seat, so don’t let lenders push you around.