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0% Introductory APR for up to 12 months on all purchases and balance transfers*

• The time period for the introductory APR and the balances to which it will apply will be based on our review of your application and credit history
  
• No Annual Fee
  
• Interest-free grace period when you pay your bill in full each month

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DID YOU KNOW?

	The advent of internet, globalization, free marketing, and liberalization has turned the world into a small global village consequently destroying all trade barriers. The awareness that outsourcing can boost productivity sans forfeit of class has impelled MNC’s, in all segments, to endorse this loom. A good number of major IT companies do most of their business overseas and obviously want to have some of their employees in those markets. Lower wages in some countries are also a huge incentive to move operations, especially since high-speed communication removes many of the barriers to dealing with U.S.-based colleagues and customers. Therefore, numerous MNCs in USA, Europe, Australia, and Japan have initiated IPOs (International Procurement Organizations) in developing third world countries particularly India, China, Mexico and Brazil. Offshore outsourcing is the practice of hiring an external organization to perform some or all business functions in a country other than the one where the product or service will be sold or consumed. It can be contrasted with offshoring, in which the functions are performed in a foreign country, whether by the foreign subsidiary of the same company or a third-party. Opponents point out that this sends work overseas, thereby reducing domestic employment and domestic investment. Many jobs in the infotech sectors - such as data entry, and customer support - have been or are potentially affected. Offshore Outsourcing ensues largely in the IT sector, followed by medical transcription and other health care-related jobs, automotive spares/components, engineering segment, and business processing, accounting, advertising, , Human Resource Management and Development, , financial investment and consultancy, legal services, and network security. Emerging countries like Philippines, Malaysia, Vietnam including East European countries from the former Communist Bloc i.e. Poland, Hungary have watched India effectively change it’s world image from a huge begging bowl to that of a proud, self-sufficient nation, and are keen to replicate it’s success story on their own crumbling shores. They are beginning to challenge India’s leadership in the off-shore / outsourcing industry, making it necessary for India to protect itself by stepping up data security, keeping the BPO / KPO / IT industries free from trade unionism and improving its educational infrastructure to ensure every student graduating is a suitable employee for multinational firms.

If you are a loan officer or mortgage broker, you may be on the market for mortgage leads. If you have no interest in sharing these mortgage leads with anyone else, you may want to consider buying them exclusively.

If you decide to buy your leads exclusively, you can plan on paying a bit more for them. As opposed to buying old or recycled leads in bulk or at two dollars a lead.

An exclusive mortgage lead should not only be exclusive to you and you only, it should be sold to you in real time.

A real time exclusive mortgage lead is one that is delivered to you within seconds of the applicant filling out the on-line application.

If a real time mortgage lead is any older than a couple of hours, it can hardly be called real time, let alone exclusive.

My suggestion to you if you are considering buying exclusive mortgage leads would be to take your time and research the mortgage lead companies you are thinking about investing your money in.

Remember, you work hard for your money, so make sure the mortgage lead company you invest in will get you a return on your investment.

Be sure to call the mortgage lead company and speak with a live person.

Ask the customer service representative where they obtain their leads, and how they are delivered. Also, ask what the time frame is between the potential customer filling out the online form and you receiving it.

If the answers do not live up to your expectations of what real time exclusive mortgage leads should be, than move onto the next mortgage lead company.

Keep searching until you find the mortgage lead company that guarantees they will sell the lead to only you, and that they will deliver it promptly. If they can’t have it at your e-mails door step within seconds of receiving it, than keep searching until you find the company that will. Your time and money will be well spent, trust me.