Starwood Preferred Guest Credit Card from American Express

Earn 10,000 Starpoints® with your first purchase1 - enough for up to 3 free nights at a Category 1 or 2 hotel.2
Plus - earn an additional 15,000 Starpoints when you spend $15,000 in 6 months.3
Use Starpoints for free nights and upgrades at over 860 participating Starwood hotels and resorts in 95 countries.

Starwood Preferred Guest® Credit Card from American Express

• Earn 10,000 Starpoints® with your first purchase1 - enough for up to 3 free nights at a Category 1 or 2 hotel.2
  
• Plus - earn an additional 15,000 Starpoints when you spend $15,000 in 6 months.3
  
• Use Starpoints for free nights and upgrades at over 860 participating Starwood hotels and resorts in 95 countries.
  
• Transfer Starpoints - almost always on a 1:1 basis - to the frequent flyer programs of over 30 major airlines.4
  
• Earn one Starpoint for every dollar of eligible spending5 and double Starpoints at participating Starwood properties and retail outlets.6
  
• Pay no annual fee for the first year and only $45 thereafter.7
  

Starwood Preferred Guest® Credit Card from American Express

• No annual fee for the first year; $45 each year thereafter.VI
  
• Additional Cards are fee-free. Payment Options
  
• Pay over time or pay in full.

• 2.90% Intro APR for 6 months on purchases made with the Card, then 14.99%.
  
• For Balance transfers, APR is 2.90% for the first 6 months, then 14.99%.
  

DID YOU KNOW?

	Chex-Systems-Removal No discussion of Chex-Systems would be complete without accompanying information on Chex-Systems-Removal. Please be aware that ALL of our ChexSystems information (including non-chexsystems banks and online banks) is totally FREE. We do not charge for this information like other sites do. It is all FREE for your use. Tell your friends about it. Also, newly added is a Brand New source that has a 100% approval rating [if you meet the simple criteria] and you can now have a real checking account, Even if you are currently in ChexSystems! ChexSystems is a network that is made up of member banks and credit unions that contribute information to a central location concerning negative information on checking and savings accounts. This information is shared among the member banks and credit unions to warn them of bad check writers. ChexSystems neither approves nor disapproves new accounts. These decisions are entirely up to the member bank or credit union. They are also licensed as a debt collection service to members that participate in their service. Members report the names and addresses of account holders whose accounts have remained unpaid. Every report that is submitted to them remains on file for at least 5 years, unless the source of the information requests that it be removed or Chex-Systems becomes obligated to remove it under applicable law. A reporting member is under no obligation whatsoever to remove an accurate report of account overdraft and/or non-payment. non chexsystems banks online Apply today for a bank account tomorrow Non chexsystems banks are few and far between, but they are out there. We have compiled a current (as of 2006) list of banks online that either overlook ChexSystems information or simply do not care about your past checking history. Online banks are nearly as convenient as a local bank, especially if you have Direct Deposit. With most online non chexsystems banks, you also receive a VISA or MasterCard ATM/Check Card. These debit cards can be used to get cash from ATMs and to make purchases. You can even avoid ATM transaction fees by using the card to get cash back at U.S. Post Offices, grocery stores, and many other retailers. If you apply to one of these online banks and are rejected for a checking or savings account because of a ChexSystems mark, please let us know immediately so that we may update our current listing. In a nutshell, you can either scour the website for non chexsystems banks or apply online for an account; unfortunately, these banks change their regulations frequently. The second method would be to apply for a real bank account and ATM card with a non chexsytems bank and be done with it. This way, you save time and effort and are guaranteed to get your checking account.

Have you sat down and really thought about your financial future? I know people are busy these days and you think "well I'm young now and I'll have time to do it later." You're dead wrong. You are NEVER too young to start saving for retirement!

They say if a 25 year old puts in $2.00 a day into a savings account ($60.00 a month), buy the time he reaches 65 he'll have a million dollars. However, what is a million dollars these days - really? It's practically chump change with rising housing and cost of living expenses.

So you have to make a budget to save for the future. Don't expect Social Security to kick in, they're having problems already - much less when you get to be that age!

Here are some strategies to help you save for the future and your retirement:

1. Make a list of your monthly income. Include everything from your wages to gambling winnings, child support receive, alimony, and any other income you get every month.

2. Then make a list of your expenses. List everything you spend from your utilities to your cell phone bill. Also your child's violin lessons, pet expenses - everything.

3. Subtract your expenses from your income. Hopefully you are coming out ahead! If not, then you need to make smart decisions on which expenses are a necessity or a luxury. Do you really need a cell phone, or is it just convenient? Discipline yourself now and you'll thank yourself later!

4. Do this for several months. And then at the end of each month, figure out where your money went that was unnecessary. Did you go out to eat more than once a week? Did you buy your lunch instead of making a sandwich from home?

5. Put 10% of your income into a savings plan. This is the "rule of thumb" amongst investors on just how much you should be saving a month. If you make $3000/mo. then you should be saving $300. Pay yourself first!

6. Consider other options besides savings. Perhaps invest in a 401k or an IRA savings plan. Check with your banker to see which one would suit your needs and financial situation the best.

Really that's all there is to it! Never take money out of your savings for frivilous purchases like a new pair of shoes or to go to a movie. That is for your future! However if your car needs a new transmission, this nest egg is there for you!

It just takes a lot of self-discipline and the desire to want to have financial independence. Just apply these easy techniques and you'll be on your way!