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?

	Are you still renting a home or apartment for yourself or your family? If so, you're losing money. Think about these three ways you lose money by renting: 1. You're paying for someone else's mortgage payment. You're missing out on the appreciation that the property gives to the landlord. Appreciation is a term used in accounting relating to the increase in value of an asset, which means in real estate terms, added value to the property. Over the past five years, houses appreciated significantly, making many new real estate investor multimillionaires. 2. Tenants don't get to freeze their monthly housing expenses like home buyers can. Of course, many home buyers get mortgage payments with adjustable interest rates and their payments go up over time. However, these payments will not go up over the long term like rising rents. Just think about how much an apartment costs today compared to ten years ago. A two bedroom apartment in Lake Elsinore, California leases for $1,000 today. The exact same apartment rented for $325 in 1996, when it was brand new. Home buyers who had low monthly payments in 1996, who did not refinance their mortgage, enjoy low payments and don't have to worry about rising rents. 3. Renters don't benefit from tax advantages. Home owners get income tax deductions. Tax deductions for interest costs, for instance, save tax payers thousands of dollars. Emotional Satisfaction of Home Ownership Besides losing out on making money with real estate, renters don't get the same satisfaction of home enjoyment that benefits home buyers. Many landlords won't allow you to paint your walls in colors that you desire. Also, you won't feel like fixing up the property with custom window coverings and you get little say in flooring materials. Because you can't make your personal statement, you won't feel like you're HOME as much as home owners who feel emotionally connected to their property. How to Buy Your First Home The biggest barrier to home ownership is often accumulating funds for a down payment. People think they have to have thousands of dollars for a down payment. However, if you have good credit and a decent job, you can get a mortgage for a home with zero down. And you can finance some of your closing costs as well as ask the seller to help you pay a good portion of your purchase costs. With today's mortgage finance plans, you may be surprised to find out how much of a home you can afford with payments similar to what you currently pay in rent. You may have to go out of the major metropolitan areas to buy a home. That's why so many people commute in Southern California. Affordable housing costs much less in outlying areas. But so do the rents. If you're renting an apartment for $2,300 in Los Angeles, you could buy a $500,000 home in Wildomar. Our daughter just purchased a home in December 2005 and her mortgage payment, for a 3,000 square foot new home, costs less than $2,300. With her tax savings, she will pay even less than renting a small apartment closer to downtown L A. If these amounts sound high to you, check your local area. Perhaps your monthly rent is only $1,000 and houses cost less than $200,000. Talk to a mortgage loan officer and see how much of a home you can afford. If you're renting, make one of your priorities to buy your own home. Copyright © 2006 Jeanette J. Fisher

Being self employed is a kind of self awareness of individual and collective assets. Being self employed is the process that lays the foundation of improved economic condition and help gain individual self sufficiency. Nobody can ignore the rewards of being self employed - own working hours, having control over your career, freedom to do what always have been wanting to do. If you think that self employed is decoded as liability while obtaining funding, then you must know it is the thing of the past.

The major difficulty that arises with self employed loans is the individual’s undocumented income. Regular salaried individuals can provide with pay stubs or lenders can verify about them with their employers. For self employed individual there is not such luxury. So, the next thing they look for is the income tax returns. Typically self employed loans lenders look for two to three years of income tax returns. Since income tax returns are not always so reliable for income is usually understated. Also, self employed lending suffers due to the fact that income of self employed people is not usually stable. Lenders would be eager to determine its stability and readily look towards current balance sheets. For self employed loans, business should not be less than two years old.

Most lenders offer self employed “limited documentation” or “no documentation” loans. This will be highly favourable of self employed who cannot forward documented income. In place of this provision Lenders will offer self employed loans at high interest rates (1-2% higher than normal interest rates) or will have tough requirement for qualifications. Lenders may compensate the high risk status of self employed with bigger down payments. Self employed loan programmes will vary from lender to lender. In such a scenario, looking around might be a good idea. There will be self employed loans lender who appropriately charge for self employed. All you have to do is keep shopping.

Credit history will always play a crucial role in deciding the various aspects of self employed loans. It is evident that good credit history will provide benefits that no other qualification criteria can provide. Good credit score will make it easier for you to get approved for self employed loans. With good credit score, loan to value ratio can reach up to 90%. Also with good credits score the down payment is as low as 20% which otherwise can go as high as 40%.

Self employed loans depending on your choice and compulsion can be both secured and unsecured. Secured self employed loans are available on lower interest rates cause here the loan amount is given in return of security. Security is usually home and real estate; however, depending on the lender, secured self employed loans may be available at lower interest rates. Unsecured will be at higher interest rate, will not require any security and are better suited for smaller loan amounts.

There are 2.75 million people which are self employed in UK. With the rising number of self employed in UK, it is not a surprise that self employed loans are an emerging category in the loans market. A self employed borrower is the one who owns 25% or more of the business from which income is derived. Self employed loans are not new to the loans market; however, they have recently been adorned with flexibility and ease with respect to a self employed. With this new outlook towards self employed loans, self employed should be careful not to misuse this freedom. Refrain from overstating your income and exercise self control. Then, there is no stating the fact that self employed loans will prove integral to strengthening your very own micro economy.