Platinum Business Credit Card from American Express

Option to enroll in Fee-Free Membership Rewards Program
There's no limit to the number of points you can earn
OPEN Savings®: Automatic discounts with FedEx, Delta®, Courtyard by Marriott®, and more
0% APR for the first 12 months
No annual fee and fee-free Additional Cards

OPEN: The Small Business NetworkSM is one place that's all about small business. It gives you the relationships and resources to help you run your business, including:
Financing - Get 2 fee-free Additional Cards and a credit line up to $50,000.
Savings - Receive ongoing savings at FedEx®, Kinko's® and Staples®.
Online management - Manage your account with the Small Business Dashboard, track charges with Expense Management Reports, and access Dun & Bradstreet credit services.
Community - Chat, pose questions, get insights from other small business owners, and attract new business.
Advice - Ask an expert a question, use an online tool, and read articles by other business owners.

The Platinum Business Credit Card comes with the very best Card protection and services to make it easier for you to concentrate on running your business.
Insurance protection - Protects you with comprehensive insurance coverage for your purchases and piece of mind when you and your employees travel.
Access to cash - Access to cash at over 500,000 ATMs.
Emergency services - Assists you with emergency card replacement, check-cashing, and hotel check-in.
Customer service - Provides help 24 hours a day, 7 days a week.
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DID YOU KNOW?

	Of all types of income generating investments, annuities are some of the most controversial. There is a body of opinion that says they are a complete waste of time and you would do much better if you were to place the capital sum on the stockmarket or invest in property. But then again the stock market has been known to crash and property has frequently been known to decrease in real value, so if security is high on your list of priorities maybe annuities are worth a thought after all. Annuities are popular as vehicles for pensions, perhaps mainly because they can be very tax efficient. If money is wrapped up in this investment it takes a tax holiday until such time as the premiums become due and payments are made. As this is likely to happen after retirement the tax liability falls dramatically. There are two types of annuity. The former is deferred, which means payments are made, usually on a monthly basis for a number of years. This is a good way for the younger person to acquire an income later in life. The other variety is the fixed version. In this package, the purchaser pays a large capital sum usually to an insurance company and payments begin soon afterwards. The big enemy of annuities is inflation. At the outset the agreed sum to be paid out might seem generous, but inflation can erode the value of the venture in a very alarming fashion. On the other hand a fixed payment annuity based pension provides an excellent budgeting tool. You will know each month how much money you will receive and thus in much the same way as a salary, be able to cut your cloth accordingly. This allows for more efficient financial planning. When it come to tax, there can be penalties if the annuity is cashed in before the “owner” reaches sixty years of age and this could be a disincentive for those folks who plan early retirement or find themselves made redundant before reaching the official age of retirement. However, as I said before there are some distinct tax advantages, particularly for those individuals in the higher tax brackets. Deferred Annuities are in effect a compulsory savings plan. In those years of high tax liability it would make a lot of sense to save as much as possible because these savings are then tax exempt. Tax is only due when income is received from the plan. That means you start drawing your annuity after you have stopped earning a high salary. It’s very neat because as you have decreased earning your tax liability will drop to a lower level than previously. This all means you have allowed the IRS to partly finance those golden days of retirement. Now that begins to appeal does it not? Interested in this subject? Try this link for more of the same.

1. Buying a stock when it's trending down in price. Stocks are usually down in price for a reason.

2. Buying low priced stocks. These stocks are usually cheap due to problems. Many institutional investors don't look at low priced shares and institutional support is one of the ingredients needed to help propel a stock's price higher.

3. Wanting to get rich quick without doing the necessary homework. To make money in the stock market, you must spend time doing research, educating yourself, and learning from previous mistakes.

4. Buying on tips and rumours. Most rumours tend to be false.

5. Acting on poor advice. Most investors are not able to find good information so it's critical to educate yourself as much as possible.

6. Not buying stocks that rise to new highs. 98% of investors are afraid to buy stocks as they begin to move into new high ground. It just seems too high to them. Don't allow your fears to dictate your purchases. Emotions are far less accurate than markets.

7. Cashing in small, easy-to-take profits, and holding onto small losses. This tactic is the exact opposite of correct portfolio management strategy.

8. Putting price limits on buy-and-sell orders. Novice investors rarely place orders to buy or sell a share at the market price. This procedure is poor because the investor is quibbling for eighths and quarters of a point rather than getting out of stocks that should be sold to avoid substantial losses or buying into popular stocks.

9. Vacillating and not being able to make up your mind as to when to buy, sell, or hold a stock. This is a sign of having no plan and without a plan you're swimming against the tide.