BoatU.S. WorldPoints Platinum Plus Visa

Card issued by Bank of America, N.A. (USA)
Earn 1 point for every net retail purchase dollar spent and redeem your points for travel, merchandise, gift certificates, and cash§
Access to the MyConciergeSM service, a unique personal assistance service**
Absolute fraud protection against unauthorized use, online and offline
No annual fee

A flexible and unique rewards program that puts you first. Select from cash back, travel, merchandise or personal services that are yours for the picking.

BoatU.S. Platinum Plus® Visa® Cards.

• No annual fee
  
• Absolute fraud protection
  
• Online access and 24-hour service
  
• Access to the MyConciergeSM service, a unique personal assistance service
  
• Introductory 0% Annual Percentage Rate (APR)† for Cash Advance Checks and Balance Transfers through your first twelve billing cycles.* (subject to a 3% transaction fee, no less than $10)
  

DID YOU KNOW?

	Believe it or not, there are ways to convert taxable income into non-taxable income, without any fear of an IRS audit. Here's one of my favorites. It's been part of our tax code for over 30 years, yet many still don't take advantage of it. What am I talking about? The IRA -- Individual Retirement Account. Now, before you say, "Oh, I know all about that one; what's so great about an IRA?", give me 10 minutes to explain 3 new benefits to the IRA rules that you may not realize. BENEFIT #1: How To Avoid Tax Rather Than Postpone Tax First, did you know that there are now 2 kinds of IRA's available? The so-called Traditional IRA is the one that first came out way back in the 1970's. But there's a newer version of the IRA that's only a few years old -- it's called the Roth IRA. And the difference between these 2 IRA's is huge. Traditional IRA contributions are tax-deductible, resulting in immediate tax savings. The growth of those contributions is also tax-sheltered while the funds remain in the account. But eventually all tax-deductible Traditional IRA contributions, as well as the growth of those contributions, will be subject to income tax when the money is withdrawn from the account. In other words, Traditional IRA's offer the opportunity to temporarily postpone taxes. In contrast, the Roth IRA offers the opportunity to permanently avoid taxes. With a Roth IRA, you don't take a deduction for your contributions; instead, you make a contribution with "after-tax" dollars. Whatever you put in not only grows tax-free, but can also be withdrawn tax-free. Here's an example to illustrate: If you invest $2,000 per year for 20 years into a Roth IRA, you will have invested a total of $40,000. Now if that Roth IRA earns an average of 10% per year, that $40,000 will grow into $126,005. Now comes the fun part: Assuming the IRA has existed for at least 5 years and you are at least 59 ½ years old, you can withdraw the entire $126,005 tax free. In contrast, if this money had been invested in a Traditional IRA, the entire $126,005 would be subject to income tax as it is withdrawn. The $86,005 of growth is magically converted from taxable income to non-taxable income. Assuming you are in the 15% federal tax bracket, that's a savings of $12,901. Add any state income tax, and you could save over $15,000 in taxes. BENEFIT #2: Take An Extra 3 ½ Months To Fund Your IRA The deadline for contributing to your IRA is April 15 of the year AFTER the year for which the contribution made. So for Year 2005, you have until April 15, 2006 to put money into your IRA. If you've already invested the maximum (more about that in a moment) by December 31, 2005, then you're done. No more money can go into the IRA for 2005. But if you haven't maxed out your IRA, you have until April 15 to do so. Which brings me to . . . BENEFIT #3: The Maximum Contribution Amounts Have Increased For many years, the most you could put into an IRA was $2,000. Now, the maximum is $4,000 (assuming you have at least that much earned income from wages or self-employment income). And if you are over 49, you can put in another $500, bringing the total maximum to $4,500. A married couple, both age 50 or older, can put a whopping $9,000 per year into a IRA. Not too shabby, eh? One final note about these Roth IRA rules: For married people, you can only contribute the maximum of $4,000 or $4,500 if your combined income is less than $150,000. If you are single or head of household, you can contribute the maximum if your income is less than $95,000. For most middle-class folks looking for a perfectly legal way to permanently avoid tax (rather then merely temporarily postpone tax), the Roth IRA fits the bill. Now comes the hard part -- how to actually implement this tax avoidance strategy. "We'd like to save as much as we can for our golden years. But $9,000 a year? It's hard to put aside that kind of money. We need every dollar we make just to pay the bills." If that's your situation, I'm not going to get up on my "what-do-you-mean-you-can't-save-any-money-for-retirement" soapbox and start preaching at you. I will say this: You've got to start somewhere, and you've got to start saving something, don't you? People who have a problem saving for retirement usually have a budgeting problem. For an excellent resource on budgeting, I highly recommend the Budget Stretcher web site: http://www.homemoneyhelp.com. This site offers a free budget system complete with simple forms and worksheets to help you figure out how to put some money aside for a Roth IRA or other savings plan. Take advantage of this resource and get started today.

A no faxing cash advance

Hard on cash and your payday is still far away? Need money instantly? Have to clear urgent bills? Or maybe an unforeseen medical liability needs to be taken care of? Well, with the option of pay day advances and faxless cash advance, getting the extra money is no problem at all. All you need to do is pay off the no faxing payday advance as soon as you get your next salary. Over and above your basic requirement, you might be hit with an unexpected financial emergency or liability. In this case, even more so, faxless payday loans or no faxing payday advance can be the saving factor. The best part about these faxless payday loans or pay day advances is that you can get the transaction processed very quickly and do not have to go through an elaborate approval process, like for other loans. Also, with their growing popularity, a large number of organizations are offering such loans, so you have a wide choice available.

Understanding the concept of payday loan no faxing

In simple terms, pay day advances or faxless payday loans are short term loans that you can apply for against the assurance that you have a salaried job. A faxless payday advance is usually available for people who are gainfully employed and can prove that they have steady pay cheques. This ‘no faxing’ payday cash advance is the ideal way to raise instant cash well before your payday. Applying for these loans is also quite simple. You can apply for a payday loan no faxing online or even over the phone. All you need to do is fill out an online application for the faxless cash advance or the pay day advances. This is not followed by any lengthy credit checks before getting an approval for the faxless cash advance. After you have filled out the form for pay day advances, you get a quick approval, following which the cash from your faxless payday advance will be transferred into your bank account overnight. So, the money is all yours to use. In fact, the process is a simple one of taking the decision for the loan and then getting the money.

Basic requirements for applying for a payday loan no faxing

When applying for a no faxing cash advance, you would need to give basic information such as your name and contact information, as well as the name and address of your employer. Some organizations that offer a no faxing cash advance might also ask you for your Social Insurance Number and the names and phone numbers of family and friends, or other references such as your landlord, before advancing the no faxing payday advance. In addition, they may ask for bank statements and particulars of other loans and debts. After the lending organization has been given all this information, getting an approval for the no faxing payday cash advance does not take too much time. And the minute the payday loans ‘no faxing' are approved, the money is transferred to your account. How you utilize that money is completely to your discretion.

Important facts about payday loans no faxing documents

In case of most payday loans no faxing of documents is required. And even the cash from the ‘no faxing’ payday loans gets transferred directly into your account.

Before you do take a faxless payday advance, there are certain basic facts that you need to be aware of. These no faxing payday loans are undoubtedly the right answer to your cash crunch, but these come at a high interest rate. Ideally, before selecting the right no faxing payday cash advance, you should conduct a proper survey and take into consideration the different rates offered for no faxing payday loans. Once you have taken into account the advantages as well as the minute limitations that come with these loans, you can go ahead and apply. And undoubtedly you would come to the conclusion that the advantages outweigh the few minor limitations.