Chase Perfect Card

0% Introductory APR* on balance transfers
Earn a 6% rebate on all gasoline purchases for the first 90 days your account is open
Earn a 3% rebate on all gasoline purchases after the 90 day introductory period
Earn a 1% rebate on purchases
All the rebates you earn are automatically credited toward future purchases

Until now, gas rebate cards had their limits: one brand of gas and that was it. Those days are over. Earn rebates on all of your gas purchases with the Chase PerfectCard™ Perfectly Rewarding™.
Perfectly Rewarding
6% rebate on all gas purchases made at any gas station for the first 90 days.
After that, you'll earn a 3% rebate on all gas purchases.
Earn a 1% rebate on all other purchases everywhere MasterCard® or Visa® is accepted
0% Introductory APR* on balance transfers
All the rebates you earn are automatically credited towards your future purchases
Worldwide acceptance
Generous credit line
Automatic Travel Accident Insurance
Purchase Protection
No annual fee first year. Thereafter, the $19 annual fee will be waived if at least nine (9) purchase transactions were made in the prior year.
2

DID YOU KNOW?

	They say death and taxes are the only two certain things in life. Alas, this wasn’t always the case. Well, at least for the income tax. The History of Income Taxes Our great nation came into existence in fits and starts. Following the revolt against the British, a federal government was elected and the fun began. This “fun” inevitably led to the situation where not everyone could agree on what the United States should stand for, much less what laws should be enacted. As a result, there was no federal income tax for nearly 100 years. Ah, the good ole days! If there was no income tax during this period, you are probably wondering how the government functioned. It did so by collecting use and sales taxes. Taxes were charged on liquor, tobacco and imports to mention just a few. Many people in our modern society would like to return to just such a system. Contrary to popular notions, the first income tax was not put into law in the early 1900’s. In fact, the first President to institute an income tax was Abraham Lincoln. In 1861, President Lincoln and Congress passed an income tax law to assist with funding the Civil War with the south. When the war came to an end, the tax was phased out. Imagine a tax being phased out now? That should bring a tear of laughter to your eye. The income tax as we know it was first instituted in 1913. Congress passed a law establishing a graduated tax rate of one to seven percent on all income taxes. I can say honestly and truthfully that I would kill to pay one percent in taxes these days. Heck, I am willing to take on the burden of paying seven percent! In establishing the income tax system, the Constitution was amended to add a 16th Amendment. This Amendment gave the federal government the right to collect taxes. The politicians primarily responsible for this were President Roosevelt and President Taft. I mention two Presidents because the bitter debate over the subject took some time to work out. If you’re looking to blame a particular political party, Presidents Roosevelt and Taft were both Republicans. Of course, the Democrats haven’t exactly made much of an effort to repeal the tax, so both parties deserve a whack upside the head in my opinion. Nonetheless, this is how we came to be burdened by the income tax in the United States.

Debt help is easy to get. Even if one doesn't have a good credit standing, it's possible to get debt help. Debt help is available in the form of secured and unsecured personal loans and loans for the businesses. There are loans, which are also available against your paycheck, and these are called payday loans. However payday loans can carry an interest charge, which is as high as 25%. On a compounding basis it's essential that they be repaid back in time. Otherwise you may have to back more than the loan amount.

There are many non - profit organizations that provide loans for those in need at lower interest rates. You can structure a loan repayment structure whereby the debt can be easily paid of. Therefore they will find out how much debt you have at the moment. What are your streams of revenues and the monthly living expenses that you may have. After this they will structure a plan where you can pay the monthly interest payments easily. Thus it makes sense to make use of these non-profit organizations in times of need.

These organizations are present in all counties. One can easily approach them through the Internet, phones and fax. You can also get information about them at your local city or county council. In many cases banks themselves will tell you to approach them, when they think that they can't help you to get out of debt. It's important that you check out the credentials of the company before you approach them for debt help. In fact there are companies, which may steal your identity (this is called identity theft) and can land you in further debt trap. So steer clear of these fly by night companies.

Hence ask around for references and only after you have made a thorough check, approach them for debt help.