Gold Delta SkyMiles Credit Card

Fixed rate of 9.99% for the life of the balance on Balance Transfer requests submitted with the application.
Earn up to 17,500 bonus SkyMiles® - 15,000 bonus miles after your first purchase with the Card and 2,500 bonus miles for an Additional Cardmember
Earn at least 1 SkyMile for every eligible dollar you spend
Always Double Miles^® on eligible everyday purchases and all Delta purchases
Your Delta Frequent Flyer number is printed on your Card
Pay with Miles: Pay for all or part of your flight with miles - and put the rest on your Card
Express Approval. Get a decision in less than 60 seconds.

Sign up for the Gold Delta SkyMiles® Credit Card and earn at least 1 SkyMile for every eligible dollar that you spend! It's a great deal so sign up and start collecting right away!
Always DOUBLE MILESSM lets you earn free travel faster for the things you buy all the time
Earn one SkyMile® for every eligible dollar spent
Earn SkyMiles for every mile you fly on Delta
Get 10,000 Bonus SkyMiles® with your first purchase
Your frequent flyer number is conveniently printed on your Card.
Shopping security with Purchase Protection3 and Buyer's Assurance.
No blackout dates
SkyMiles never expire
Choose from over 400 Delta award destinations worldwide
$85 Annual Fee
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DID YOU KNOW?

	If you are interested in buying a new home or refinancing the one you are currently living in, but think that you are out of luck because you have bad credit, think again. The mortgage industry is probably larger and more diverse than you realize. You no longer have to go down the street to your local bank to get a mortgage where they only work with people with excellent credit. There are literally thousands of mortgage lenders across the United States, better known as wholesale lenders with programs specializing in lending money to people with challenged credit. These lending institutions are called wholesale lenders because they work with brokers, who in turn, find the wholesalers customers. A broker is not a lender, they council and educate you during the mortgage process from beginning to end, they also are responsible for finding a lender to accommodate your mortgage needs. Mortgage brokers have access too literally hundreds of lenders across the country. So chances are, they can find you a lender with a specific program to fit your needs. Regardless if you have poor credit or need a program that offers no money down. Keep in mind, the mortgage industry is a very competitive one, and these brokers and wholesale lenders will compete for your business, so let them. So don’t ever feel as though you are at the mercy of the mortgage companies or the brokers just because you have bad credit. Best of Luck.

The Number, is it a guide to success? Yes! Finally there is a book that is shouting out a wake up call to all Americans. Do you know what the message is? I do! Not only do I know what the message is, I have figured out how to get my number and actually achieve more financial freedom than my limit!

For decades one of the hottest topics has been Social Security, or better yet, the lack of funds the program will have when you and I are eligible to receive it. Sure, we have all heard how this program was intended to take care of us when we retire, but did you know that the eligible age has already gone up. If the powers to be have already risen the eligible age now, what do you think it will be for the twenty and thirty year olds in the work force today? You guessed it, it will probably be higher. Is this a sign that the program is in trouble? Is it a sign that it lacks funds? Is it a sign that Americans are living longer? Even if we do live longer, should you have to wait for your tiny piece of the American Pie before you reach your financial goals. I don't think so!

Let's look at this from a stand point of well being. If you work a physical job, could you live longer? The answer is yes, if the current trend keeps going. But, if you live longer and you do physical work, does this also mean that your body parts can last that much longer in the work place. That answer, I do not know. I would think NO, but then again I could be wrong. With medical technology advancing maybe we could. As a matter of fact, I don't see why a factory worker or a construction worker would mind new body parts, joint replacements or having their vertebra's welded together so they can keep making minimum wage or stay in blue collar work. What a concept, move social security benefits back, let health insurance keep rising and force the workers to get an overhaul so they can stay on the job until they can collect. I am sure everyone will be very excited to join in! I am so glad I saw the big picture while I was in my mid thirties so I can start enjoying my financial freedom now!

Then we have the next group that needs to wake up. And man I'll tell you, I think they are less happy than the group stated above! Does this sound familiar? You had a friend who has always coasted through work, taking the easy road. You always busted your back while they always new that they would have money to retire on simply because mommy and daddy are going to leave me a large estate. But you see folks, that is no longer true. Besides the fact that Uncle Sam is always looking to dig deeper in your wallet, including raising inheritance taxes, people are living longer. More and more people are looking at their financial condition and realizing that they need their money to afford retirement or a retirement home. They are living longer, in good health, but can't work. Or possibly they were once a CEO and look at being Wal- Marts greeter as a slap in the face. After all, they did their time in the work force and it's not their fault that they lived longer.

As a matter of fact, look at the new financial tools available today for the elderly. Do you know what a reverse mortgage is? I understand that concept but feel I lack enough education on the topic to explain it. Basically, mommy and daddy have a huge home and they are drawing the equity out so they can live. The home you think your going to move into will really belong to the bank or a third party. On the bright side, maybe you could rent a room there if they turn it into a rental property!

Yes, I agree that we all need to wake up and smell the coffee! Can I tell you how to reach your goals and enjoy Financial Freedom? I can! But the fact of the matter is you need to see the big picture and really look at your future. I can only suggest ways for you to follow in which to achieve these financial goals, but until you wake up, you're simply left in the dark!