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Home > Low Intro Rates > TrueEarnings Business Card from Costco and American Express
TrueEarnings Business Card from Costco and American Express
-5% for buying gas
-3% for eating out
-2% for traveling
-1% for everywhere else, including Costco
No annual fee with your paid Costco Membership.
Earn cash back on every purchase
TrueEarnings® Business Card from Costco and American Express
No annual fee with your paid Costco Membership.
0% introductory APR on purchases for the first three months
Eligible Purchases earn a rebate:
- 5% for buying gas.
- 3% for dining out.
- 2% for travel purchases from airline, lodging, car rental, cruise line, travel agency and tour operator merchants.
- 1% on all other Eligible Purchases.
- Rebates are awarded annually in the form of an in-store coupon.
Get a TrueEarnings Business Card and a Costco Membership in one!
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DID YOU KNOW?
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The counter that measures your investment return is set back to zero. Last years return doesn’t count anymore, positive or negative, the focus is set to the coming year.
In previous days or weeks you may have analyzed last years return. How was the breakdown of the performance? Where does your portfolio needs improvement, where can you leave it as before?
For this year you will have a new watch list. They are like the people not yet in the team, but waiting for others to make a mistake. Or, you as the coach of the team could experiment with a new setting. Perhaps the current allocation needs to be reorganized. An important question is how do you benchmark this? We all know the absolute return of our portfolio, any bank or commissioner can calculate this real time. Then the comparison game starts. We are not alone in this world and the return of 5% can be very good, but what if any index has done twice as good in the same period. Where does this put you? If your portfolio is hundred percent (100%) allocated to the stock market, your benchmark could be the Dow Jones Industrial Average (DJIA) for example. But what if your stock selection is focused on technology stock, would you then use the NASDAQ? Or what if you have 10% liquid, some other investments in real estate, some stock-option, etc...? Then you would need a combination of benchmarks. Financial advisors can provide you with a model portfolio (like management advisors can provide you a model organization). This is a virtual portfolio with a predetermined asset allocation. This allocation and the subsequent model should agree with your personal profile. If you are willing to take more risk the model would advice to invest more in stock and or options. A defensive model portfolio would advise to allocate a limited percentage to stocks. Now is it possible to start with a new slate? You could start to sell your portfolio, but then what? Would you choose a new model portfolio to compare the allocation and results? Probably not. First of all transactions have their costs and will negatively effect overall return. It is more probable that you will make similar mistakes than the ones in the previous year. So more important would it be to evaluate these and in that way prevent making them again. © 2006 Hans Bool |
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Bad credit bank accounts are perfect for those who have a poor credit history, have been bankrupt, or have a county court judgment registered against them. This helps them to repair their credit history without being caught in a fraud net. For the best services with a bad credit bank account, people should check the policies of the banks because different banks have different policies regarding bad credit bank accounts. Repairing credit history is the first step to getting back into business. With careful planning and skilled help and patience, it can be done. It is very important to know what is owed and to whom. Current copies of credit reports should be obtained from all major credit bureaus. People should check the accuracy of the information provided in these reports to avoid further inconvenience. Paying bills on time to upgrade credit is also advisable, as is assessing the credit situation regularly to avoid any mistakes. Consolidating debt by paying minimum amounts. People should maintain their credit accounts so that they can use credit when in financial need. They should go for a secured bank credit card that is backed by money deposited in a bank account while reducing the number of credit cards they have. It is advisable to always pay the minimum dues on credit cards and get a copy of a credit report yearly to catch any errors. People should avoid things that can limit their credit such as high balances on credit cards, too many applications for credit, and low credit scores.
Copyright 2007, CreditDexter. All rights reserved!
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