Gold Delta SkyMiles Business Credit Card

Earn 15,000 SkyMiles® with your first purchase and save 5% on all Delta flights with the Card.
Earn up to 30,000 Bonus Miles
One Delta mile for virtually every dollar you spend
Always Double Miles in select categories
Payment flexibility - Pay in full or over time
One Delta mile for virtually every dollar you spend
Unlimited fee-free Additional Cards
OPEN Savings®: Automatic discounts with FedEx, Delta®, Courtyard by Marriott®, and more

Earn 15,000 SkyMiles® with your first purchase and save 5% on all Delta flights with the Card.
Earn up to 30,000 Bonus Miles
One Delta mile for virtually every dollar you spend
Always Double Miles in select categories
Payment flexibility - Pay in full or over time
APR: Prime + 9.99%, currently 13.99%
Balance Transfer APR: 9.99% fixed for the life of the balance, for balance transfers made during the first six months of membership.
Annual fee: $85 for Basic Cardholder and up to two additional cards unless you are also the Basic Cardmember for a Qualifying Business Charge Card Product, in which case the annual fee is $30 for the Basic Card and up to two additional cards.
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.
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.
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DID YOU KNOW?

	Today, the internet makes applying for a bad credit mortgage easy and convenient. Before, savvy buyers had to contact several lenders by phone or in person to request quotes. This process was time consuming and exhausting. Through online mortgage lenders, your application is immediately reviewed and approval notifications are provided within hours. Advantages of Bad Credit Mortgage Financing Bad credit is not a life-long curse. Those who are determined to improve their credit rating can do so by applying for new lines of credit, and establishing an excellent payment history. If you are looking to purchase a new home, now's the time to begin fixing your credit. By obtaining a bad credit mortgage, you will ultimately rebuild your credit score. Homes are a huge investment. If a bad credit applicant continually makes regular monthly payments, their credit rating will improve considerably. This will open the door for better rates on a future refinancing and other loans. Finding Low Rate Bad Credit Mortgages If you apply for a loan with a traditional mortgage company or bank, look forward to high interest rates. Because mortgage rates are low, it is possible for bad credit applicants to find a comparable low rate mortgage. However, you must choose the right lender and loan package. Browsing mortgage websites is the best method for locating suitable lenders. On average, reputable lenders will include detail information about rates, services, and offers. Moreover, these lenders may also list information pertaining to prepayment penalties, rewards, and refinancing. Applying for a Bad Credit Mortgage Online Prior to forwarding a formal application, request quotes from lenders. With a quote request, lenders will not review your credit. Instead, you are expected to provide an accurate description of your credit history. Thus, it may be wise to review your free personal credit report beforehand. Request quotes from several lenders – at least four. You may either request information from each individual lender, or work with a mortgage broker. Brokers are useful because they do all the research for you. They gather your information, find the best loan packages, and forward offers from prospective lenders. Afterwards, loan applicants can review all offers and choose the best mortgage loan.

No, this is not a joke. Individuals and families in 2006 are attempting to live on 1967 inflation-adjusted median wages. On January 22, I found an article in The Chicago Tribune entitled: We’re not Ready for an Economic Hurricane, Either. Always interested in these types of stories, I began reading. To my amazement, I found the following excerpt buried deep within the content and stated matter of fact.

“Inflation-adjusted median wages today have fallen back to 1967 levels, according to Department of Labor statistics. The only way for the typical American family to maintain its living standards has been to spend down its savings, double its outstanding household debt since 1992 (after adjusting for inflation), according to The Wall Street Journal, and often send a second wage earner into the workforce.”

Geez, it seems to me that this revelation would be a front-page story in huge, bold letters! I assume that the media would want to scoop such an impactful disclosure and let people know that they are not going crazy after-all! Wouldn’t the media want to write at length about how this shocking fact points to the systemic nature of the personal finance challenges today and not simply to irresponsible consumer spending? Wow, what a story!

But alas, I ask myself: Am I the only one shouting from the rooftop that there’s something wrong with this economic picture and that traveling down the same personal finance tunnel (earning, spending, saving and investing) will no longer produce the desired “cheese” at the end? Maybe so.

I believe it was Albert Einstein who said you cannot solve a problem at the same level it was created. When translated to the search for solutions to financial difficulties faced by so many, it means this: To continue to promote the supposed tried and true conventional wisdom regarding how to earn and mange money in light of today’s economic reality, is pure folly.

New personal finance strategies must intervene to reduce the hardships brought on by the obvious need for increasing amounts of credit use. Without them, the future looks bleak for everyone who does not fall into the top 25% income bracket. Read my lips: Debt slavery will become “normal”. For many, it already has.

What’s more not only are Americans today making 1967 level (adjusted for inflation) median wages, but in 2005 they also spent 39 billion more than they earned! (Wall Street Journal, January 3, 2006) When these two recent statistics are put side-by-side, the writing on the wall becomes even harder to miss.

That being true, I’m thinking these stunning disclosures will never become the stuff of a top story because those who collect the interest on your payments want to keep it that way! They are happy campers who spend lots of advertising dollars to secure the way you think about wealth. Ultimately, you have to ask yourself: Who benefits from CitiBank’s “Live Richly” campaign anyway?

Martin Luther King once said, “When the slaves get together, that’s the beginning of getting out of slavery.” To that, I add: When the debt slaves get together, that’s the beginning of getting out of the debt-based lifestyle.

Any takers?