Citi Credit Cards: A Look At The Top 4
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With all of the credit card offers available to the public, consumers often have a difficult time choosing the one that’s right for them. Citibank, one of the leading credit card companies in the United States, has a variety of cards from which to choose. I will now highlight four Citi offers for those trying to decide which card is the right one for them. I picked the following Citi credit card offers to highlight based on their popularity on my website, www.credit-card-surplus.com. Read on for information about the top four Citi credit cards.
Citi Platinum Select Card
One of the most important factors when choosing a credit card is security. With identity theft on the rise, consumers need to take extra precaution to ensure that their financial and personal information is secure. The Citi Platinum Select card is a great choice for safety-conscious individuals because it comes with a photo and signature option on the front of the card and Citi will temporarily block your card if strange activity is noticed.
The Citi Platinum Select card has no annual fee and 0% APR on purchases and balance transfers for the first twelve months. This means that you can consolidate your debt by transferring balances from other credit cards onto the Platinum Select card and be relieved of paying interest for one full year . There is also no balance transfer fee for the initial transfers. And if you’re in a hurry to get a decision, you can apply online and get an instant response. I recommend this card to anyone who wants top security in their credit card and who doesn’t want to pay an annual fee.
Citi Dividend Platinum Select Card
Rewards are a major factor when trying to find the right card. If you plan to use your credit card for everyday purchases – such as groceries and gas – then a reward card will give you more benefits than a standard credit card. Citibank offers the Citi Dividend Platinum Select card, which also has no annual fee and 0% APR on balance transfers. You can consolidate your debt while earning cash back on all of your purchases.
When you use the Citi Dividend Platinum Select card, you get 5% back on purchases at supermarkets, drug stores and gas stations. With all other purchases, you receive 1% back. I recommend this card to anyone with balances on other cards, and anyone who uses their credit card regularly. If you’re going to pay with a card, you might as well earn cash back.
Citi PremierPass Card
This is another reward card from Citibank, but it’s approached from an entirely different direction. Citi has implemented something called the “Thank You” program, which allows customers to earn points when they use the card. The points can be redeemed later for merchandise and airline flights.
Again, this card has no annual fee, which means that you don’t have to pay to use the card. When you use it to buy airplane tickets, you earn Flight Points, and when you use it to buy other goods, you earn Spend Points and Purchase Points. As soon as you make your first purchase, Citi gives you 15,000 bonus points, which is a great way to get the ball rolling.
Citi Diamond Preferred Rewards Card
Another favorite Citi card is the Citi Diamond Rewards card. The structure is very simple, and the card rewards you for spending money on everyday necessities. When you use the card at supermarkets, gas stations and drug stores, you receive five points for every dollar you spend, and when you use it elsewhere, you receive one point on the dollar. Citi gives you 5,000 bonus points after your first purchase, which can be redeemed for a $50.00 gift certificate. It’s a great card for anyone who wants to see benefits right away.
This card carries no annual fee, with 0% APR on balance transfers for the first twelve months. This card requires excellent credit for approval, but it has a low APR for a rewards card. I recommend this card to anyone who needs online support and who uses their credit card to pay for everyday purchases.
Now remember, whatever Citi credit card you choose, make sure you understand the terms and conditions, and use your credit card wisely.
Click here to find Citi Credit Card Offers. Ed Vegliante runs www.Credit-Card-Surplus.com, a credit card directory helping consumers to compare and apply for credit cards.
5 Tips for Finding the Best Travel Rewards Credit Cards
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Travel rewards cards let you accumulate rewards points as you spend. Those points can then be used for rewards like airline miles or discounts on hotel stays and other travel expenses. The number of points accumulated and the value of the points vary from card to card, and so do their expiration periods and the options that they can be redeemed for. Here are five tips to help you choose the best travel rewards credit card for you:
1. Consider your credit needs and habits. While getting points towards your travel expenses may be your primary focus, make sure that you know what else you need out of a credit card. Do you need a low APR or no annual fee? Are you looking for a good introductory APR for a large purchase or balance transfer?
2. Consider what kind of reward is most important to you. Are you looking for a specific reward such as airline miles, or a reward with several redemption options? Are you most interested in rewards usable with a specific company? Which of the rewards offers has the most appeal for you?
3. Read the fine print. Make sure you pay attention to factors like the APR and any fees that might apply to you as well as the terms of the rewards program. Look carefully at how fast rewards points accumulate, what transactions qualify for rewards points, and when the points expire.
4. Compare several cards to find the best one. With a good understanding of what you want out of the credit card and its rewards program, you are well equipped to compare offers and choose the best one for you. Look at several offers to increase the odds of finding one that matches what you want.
5. Check several sources of information. The Federal Reserve publishes a survey of credit card terms every six months, and there are a wide range of websites where you can compare credit card offers and apply online. This provides you with more options to choose from.
To find and apply for a travel rewards credit card, Beth Derkowitz recommends Find Credit Cards. Please see http://www.findcreditcards.org/type/travel-rewards.php for more information.
The BP Visa Rewards Credit Card – How To Get Gas Rewards When You Need It
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Looking for a credit card that rewards you every time you use it? Then the BP Visa Rewards Card might be right for you! This credit card is issued through Chase and offers the extensive benefits that are available when you become a part of the Visa network through their extensive rewards program.
The BP Visa Rewards Card will work well for anyone who has good credit ratings already and who are looking to save some extra money, especially at the gas pump. In order to successfully apply for the card, you must first be sure that you have no history of declaring bankruptcy, that you have no delinquent accounts as far as credit, and that you have not been turned down by the Chase company in the last six months. After that, all you need to do is fill out the online forms and you will be notified if you have been approved within a short time.
The BP card offers and introductory rate of 0% APR for the first six months. After this time, the APR will go to 15.24% for elite pricing and 19.24% for premium pricing. There is never an annual fee for using this card. You can also take advantage of your new card by transferring any outstanding balances onto it, thus consolidating your debts in one location. This will make your outstanding balances much easier to manage. Signing up for the elite or premium pricing options will mean that you are charged 0% for the first six billing cycles against the transfer, after which the APR will go to the rates mentioned above.
As far as rewards rebates go, the BP Visa Rewards Card offers some good introductory rates. You can expect to earn 10% rebates when you use the card at all BP locations. In addition, you will receive 4% rebates on all eligible dining and travel purchases as well as a 2% rebate on all other eligible purchases. For the first three billing cycles of your card, your earning percentages will actually be doubled! After the introductory period has ended, your rebate percentage will go back to the standard rebate of 5%, 2%, and 1% respectively. That means that even after the introductory period, every dollar you spend could get you five cents back.
You can choose how to redeem your rebates yourself, and the card provides several options when you reach $25 in rebate earnings. You can choose to have it reimbursed through a check made payable to you, through a BP gift certificate, or through a donation to environmental charity The Conservation Fund made in your name.
The BP Visa Rewards Card makes it easy for you to manage your account. You can utilize the Internet to check your account balances and remind you of your transactions 24 hours a day. You will also have access to the Visa help line, and you are entitled to 0% liability insurance in the case of an unauthorized transaction.
Apply for the BP Credit Card or review and compare many more Gas Credit Cards at http://www.apply-for-a-credit-card-now.com
Finance and Financial Planning
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หม้อแปลงไฟฟ้า : Finance
means providing funds for business or it is a branch of economics which also refers to the concepts of time,money,risk and other assets. In a Business management, finance is a most important characteristic as business and finance are interrelated. One can achieve its goal by choosing the correct financial instruments. Financial planning is essential for both the individual and an organization to ensure a secure future.
Personal financial decisions may involve paying for education, insurance policies, and income tax management, investing and savings accounts. Personal finance is used to avoid burden and life become enjoyable, if getting it from a right source at minimum cost. Personal loan is also a part of personal finance.
Financial planning is very important in business to achieve its objectives. In general, payment plans available under an insurance premium finance arrangement consist of a down payment followed by equal, monthly installments. The amount of down payment required, as well as the number of installments to be paid by the insured, may vary depending on the underlying insurance policy terms and conditions, the nature of the insured’s business and the credit worthiness of the insured. The complete terms of the premium finance loan, including the payment schedule and interest rate charged, are reflected on the finance contract.
Small business finance is a stepping stone for all small businesses. With small business finance borrower can minimize the difficulty of funds that the borrower comes across during the business. There are two main types of finance available to small business. They are Debt Finance and Equity Finance. In Debt Finance, the borrower has to repay the principal and interest where as Equity Finance is a time consuming process. The source of equity finance may be through a joint venture, private investors.
Professionals in corporate finance assist organizations invest money to run the business and grow the business. Theses specialists work to support and expand business operations. Online has proved to be a simple and the fast method of acquiring the small business finance. The small business finance borrower must not forget to compare the quotes of different lenders in respect to repayment period, lower interest rate, and the loaned amount.
Vendor program arrangement is a kind of financing arrangement in which finance is offered to the customers as a sales, marketing & deal closing tool. Country, state, city or municipality finance is called public finance. It is concerned with the budgeting process.
Each type of company requires a unique way of marketing depending on what kind of focus they have for their company. Advertising a company is purely based on the products. Making the plan and getting the overview is not enough. Company needs to put the plan into action and follow it up and evaluate it periodically.
International finance is the branch of economics that studies the dynamics of exchange rate,foreign investement, and how these affect international trade. It also studies international projects, international investments and capital flows, and trade deficits. It includes the study of futures, options and currency swaps. Together with international trade theory, international finance is also a branch of international economics.
Read more: http://www.articlesbase.com/business-articles/finance-and-financial-planning-668135.html#ixzz0vCKC39FE
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Financing a Small Business – What Alternatives are There to Finance Your Business?
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หม้อแปลงไฟฟ้า : A lot of reasons exist why you should not only get into business, but also endure in business. You may want to take any of these decisions because of the love of a particular business, because of a need to do so, because you are bound to continue from where someone stopped or because you simply have a feeling to do so. In almost every country of the world, people are looking at the business sector as one of the bests. There are always statistics of these found in all countries. For example, the United States Department of Labor produces statistics which indicate that for almost the first three quarters of last year, unemployment was very high and a lot of people resorted to doing business.
There is no need to trouble yourself on the way your business is going to look like. All that is necessary for you to do is to develop a plan and seek for any of the so many options of securing finance for the business. The following lines are meant to encourage those coming into business and even those already in business to seek for means of financing their businesses:
Loans
This type of finance for a business is common all over the world and it can easily be gotten. In some cases, there is often a belief the loans can easily be gotten by everyone who applies for it. This may be true or false. It all depends on your business plan, the lending policy of the bank and the type and value of security you have. What makes this source of finance much considered is that interest rates on the loans are also reasonable. It should be warned that you should not get into taken of loans without seeking for proper recommendations from experts. Remember that it is always good to know the ins and outs of every type of loan ahead of getting into it.
Angel Financing
This is also another common source of finance that is common among new businesses and even those that are already in existence. What obtains here is that there are so many people who have the willingness and ability to pump finance into any business which have potentials to grow. Angel financing can be a family type. This will involve members of the same family pulling their resources together and investing it to develop a business plan. This is good but not preferable because of the close ties that the members may attach to each other, which may not be best for the health of a business. Angel financing can also be an affiliation angel. This will involve an association of friends willing to see a business plan from conception to completion. Another strand of angel financing is idea angel. These are financiers who are involved at the conception and actual progress of the business. Whatever the form of angel financing that you may opt for, you must get into the set of connections that these angels operate before you can benefit from financing.
Read more: http://www.articlesbase.com/business-articles/financing-a-small-business-what-alternatives-are-there-to-finance-your-business-749409.html#ixzz0vCJ6yV11
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How MBA in Finance Helps in Career Growth Tips from BIFM
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หม้อแปลงไฟฟ้า : High position in any field means a lot of responsibility, leadership quality, managerial intellect and strategic skills. During the entire course of MBA, you are well rehearsed with each of these qualities. That’s the reason that you come in high demand once you have a MBA degree in your hand.
Benefits of MBA
Though there are a lot many business courses available all over India but, doing MBA in finance can be beneficial in many ways. Want to know how, just have a look below:
Advancing Career – It helps you to understand business and finance terms to deal with people and how to react with in organization.
Developing your business expertise – An MBA is a very versatile degree and it gives you business knowledge and adds value to your finance dealing expertise.
Starting your own Business – Once you have MBA degree you got the sense how to run business and such habit helps you to open your own business. You can get success in your business and you can provide employment too.
Salary Hikes – The growth hikes a lot in every sector per year. So, even you get a hike on your salary in every six months or a year as per the company’s norms.
Career growth in MBA in finance – Students who have MBA degree in finance can make their career in finance sector and can hold these positions -
- Risk and Insurance Managers
- Management Consultants
- Investment Bankers
- Chief Financial Officers
- Treasurers and Finance Officers
- Cash Managers
- Financial Managers or Financial Analysts
- Accounting Managers
- Corporate Controllers
- Investment Sales Associates and Traders
- Credit Managers and Specialists
- Investment Banking Associates
MBA has a lot of scope and course so, you are not left with a limited choice for this. You can choice any area of your interest whenever you are doing MBA. Let’s take MBA in finance for instance! A lucrative field to go with, well- paid career and money- spinning benefits, all these can be easily associate with this very degree.
Read more: http://www.articlesbase.com/banking-articles/how-mba-in-finance-helps-in-career-growth-tips-from-bifm-2669614.html#ixzz0vCIfAfxA
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Church Financing Loans with Low Recourse Loans
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หลังคาเหล็ก : Financing, Loans and Commercial Finance for Churches at Church-Financing.com.
Nearly all Churches necessitate the need of a commercial real estate financing. The financial sources for real and substantial estate includes: Regional banks, Private investors, Insurance companies, Saving and Loan institutions and Mortgage banking firms. First let’s touch on the obstacles that occur during the process of acquiring the church mortgage loans & church financing.
The Major Church Financing Difficulties:
(1) Church properties are unique and so, for this reason Lenders have a great apprehension regarding this matter because if the loans are not paid within a stipulated time, Lenders will be accounted for it. They have to assume ownership of the property. Owing to unique property features, it is not going to be easy to come across a new owner.
(2) For getting the hold of church loans, Lenders often entail the need of “personal guarantors” especially on account of prior observation with reference to the complexities that are involved in selling the church property again.
(3) When the church financing needs are attained, there are many objectionable terms that get exist. Such as: Minute amount of loans, low loan-to-value (LTV) of 50% to 60%, short-period time of loans and rates of high interest. By this, churches get many possibilities to face the countless financial difficulties.
(4) More than Purchasing and/or Refinancing, Church Financing, Church Construction Loans, Church Renovation and Land acquisition loans are considered as more intricate to deal with. Therefore, needed repairs are delayed for an indefinite period and new churches take lots of years to become a reality.
The Practical Solutions for the Problems which have been Issued above are:
(1) High LTV: High LTV of 75% to 85% would generate a realistic amount of about 15% to 25% that can be utilized for the purpose of down payment or non-financed portion in refinancing.(2) Long-term loans: To make the church financing more successful, rather than short-term, church financing should be of a long term, i.e. up to at least time period of 30 years.
(3) Non-Recourse Loans: Being reluctant towards individual guarantors fetches a non-traditional church lender. And than through this approach, church lending will no more rely on individual guarantors for the church financing.(4) Large sum of Loan: Ability to accommodate large church loan needs, at least of $500,000. This move would than persuade churches to finish their most business financing in one stage rather than by going through many stages.
(5) Low interest rates: Churches are being charged with the sky-scraping interest rates than it is actually required. Church financing payments can be phenomenally reduced if the payments are restricted to prime plus 1% or less than that. As a result, long-term church loan as well as decrease in overall payment will improve the church cash flow considerably.
Read more: http://www.articlesbase.com/loans-articles/church-financing-loans-with-low-recourse-loans-1437754.html#ixzz0vCCopw72
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How to Sell Your Home With Owner Financing THE RIGHT WAY
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โฟล์คลิฟท์ : How To Owner Finance Your Home
You’ve seen the real estate ads in the classifieds section of the newspaper: “Owner Financing Available” or “Owner Will Carry”. An owner financed real estate transaction enables the buyer of the property to make payments directly to the seller.
This allows the buyer to purchase the real estate without having to apply for a mortgage from a bank or financial institution. The seller also has the option of selling the loan to an investor for cash.
Of course, there are lots of variables that work into a price offer including type of property, location, age of house, equity, is the buyer making the monthly payments, etc. These are just some of the things an investor likes to see. Investors buy all sorts of real estate notes and deeds of trust. Every house is different, every loan is different and every deal is different. Use the above list to make the loan more attractive to an investor.
ADVANTAGES OF OWNER FINANCING THE SALE
Sell Your Property For Your Desired Asking Price
A buyer may be perfectly happy to pay market value (and maybe more) for a house that requires a smaller down payment and that a bank won’t help them finance.
Charge a Higher Interest Rate Than a Bank Would Give
By charging a higher interest rate than a bank (say 7.5 – 8.5%) you are, in effect, increasing the overall sales price of the property, and making the note more attractive for an investor.
Faster Sell
You can sell a home with owner financing a lot quicker than with bank financing and there can be tax advantages in spreading the buyer’s payments out over time (talk with an accountant about that).
Great Monthly Cash Flow Investment
Many owners simply like the idea that they can receive a monthly income and a high interest rate from a property even after they have sold it – and no longer have to worry about repairing leaky roofs or replacing dead water heaters.
Sell The Note To An Investor
A seller who owner financed the deal also has the option of selling that note to an investor for cash either right after closing or after waiting a number of months or years (give me a call or email and I can get you more information about selling your note).
DISADVANTAGES OF OWNER FINANCING THE SALE
Cash At Sale = Small Down Payment
Seller receives only a small or even no down payment.
Buyer Won’t Pay
The seller takes the risk that the buyer will not make payments and will have to be foreclosed on. (Forte Properties uses a loan sevicing company to act as an intermediary when selling Owner Financed homes in Austin Texas.)
Due-On-Sale Clause
If I owner finance my house won’t I activate the Due-On-Sale Clause in my mortgage and if I’m only getting a small down payment and monthly installments how will I pay the bank loan back?
The Due-on-Sale Clause is a provision in a mortgage or deed of trust that allows the lender to demand immediate payment of the balance of the mortgage if the mortgage holder sells the home. It is probably the most talked about, feared and misunderstood topic in real estate.
You can also do a simultaneous closing, where a few days after the close of the house with the buyer you receive a check for the note from an investor.
If you’re going to owner finance your home and you know you want to sell the note this is a great way of doing it because the investor is there for the whole process and you don’t have to start over again 6 months later with another appraisal, inspection, credit check, etc.
REAL ESTATE PROFESSIONALS – Providing owner financing could mean the difference in having your client sell their house quickly or having it sit on the market for months, years or not selling it at all.
Read more: http://www.articlesbase.com/business-articles/how-to-sell-your-home-with-owner-financing-the-right-way-2699189.html#ixzz0vC9mThCG
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A Good Reward Scheme Can Make or Break a Credit Card
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As the number of credit card holders in the UK continues to soar, new research reveals that most UK consumers have a credit card that does not offer them any perks or bonuses.
According to a recent survey by credit card provider Goldfish, 52 per cent of UK credit card holders have no reward scheme affiliated to their credit card. Credit card perks, which can include air miles, free gifts and reduced promotional interest rates, are currently only benefiting 48 per cent of consumers at the point of balance transfer, according to the survey.
The Goldfish research showed that, of those shoppers who had taken advantage of credit card rewards schemes, most had opted for cards that offered points which could be collected through the purchase of goods in high street stores.
The second most popular credit card perk was the cashback card, while 17 per cent of credit consumers opted for promotional low-rate balance transfer and purchase deals as their credit card benefits. A further 9 per cent of those credit card holders surveyed picked a credit card that would allow them to collect an increasing number of air miles.
What’s more, the Goldfish survey found that women were the most keen when it came to shopping with a credit card on the high street, with more women than men opting for in-store retail reward cards.
With so many credit cards to choose from in today’s crowded, financial credit market, the existence of credit card perks and reward schemes can be a crucial deciding factor in deciding on a new credit card or switching credit card providers. Many leading credit card providers will offer a range of credit card perks to both new and existing customers, such as discounts with the bank’s retail partners, an introductory interest free period, inclusive payment protection insurance and a free identity protection service, among a range of other offers.
Student and graduate credit cards often carry many perks, including discounted CDs, DVDs and special offers on travel insurance. And within the last year, many credit card providers have begun providing charity credit cards, whereby credit card consumers will automatically donate money to charity every time they use their card.
And if the range of credit card perks available to you is overwhelming, it’s important not to worry: there are a range of consumer credit comparison and advice sites available on the internet that will provide you with a comprehensive overview of the credit card market, and give you advice on which credit cards and credit card reward schemes will suit you best. Just make sure you’re not one of the 52 per cent of credit customers that don’t benefit from credit card perks, and you’re sure to enjoy your credit card experience!
Andrew Regan is an online, freelance journalist.
ow to Find Affordable Asia Cruise Deals
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asia cruise : When you are making the decision to book your next cruise, the one combination of things you are looking for is fun and affordability. Sometimes striking a balance between the two is much harder than it looks. When booking an Asia cruise, you know you are booking one of the absolute best cruises on the planet. But making it affordable can be difficult unless you follow a few simple steps.
Asia cruises can be cheap if you know where to look and the first and best place to look is online. The best place you want to search online is through a travel site where they compare prices from other sites. This saves you the hassle of having to search each site individually.
Sites for booking an Asia cruise will usually include airfare and all other possible accommodations. But if that doesn’t yield the price tag you were looking for, another possible avenue is to check directly with the cruise lines themselves. These cruise lines may have their own deal through their websites. One thing to keep in mind is that these may not include airfare, but once you get the cruise, then booking the airfare may not be as taxing.
If these options don’t work, then booking an Asia cruise through a local travel agent might be another great way to book the trip. These agents usually have long standing relationships with cruise lines and should be able to help you plan your best vacation ever.
Read more: http://www.articlesbase.com/cruising-articles/how-to-find-affordable-asia-cruise-deals-2730631.html#ixzz0vA5wdBZg
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: weekend cruises
