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Discover More(SM) Card - Sealife Collection

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Formerly Discover Platinum Card
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*View Discover® Card Rates, Fees, Rewards and Other Important Information.

More ways to enjoy more cash than anyone else.SM*
Enjoy a 0% Introductory APR* and get 5% Cashback Bonus® in popular categories like travel, home, gas, restaurants, movies and more and up to 1% Cashback Bonus on all other purchases.
For your peace of mind you'll have a $0 fraud liability guarantee. This card also offers the easy online Account options that put you in control and you'll pay no annual fee.
You also can Increase, even double, your rewards when you redeem for gift cards from our 80 Cashback Bonus Partners.
*View Discover® Card Rates, Fees, Rewards and Other Important Information.
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DID YOU KNOW?

	A large number of prospective homeowners are interested in acquiring mobile or manufactured homes. Should these homeowners require financial assistance, they will need to take the assistance of approved lenders who make the money available from their own resources as FHA does not lend money for this purpose. Since these loans are not government funded, they are not low interest loans. The interest rate is fixed based on prevailing market rates. However, since the loan is privately funded, you can take this to mean that mobile home loans are also available to persons with poor credit, albeit at a higher interest rate to compensate for the greater risk involved. Regardless of the source of funding, lending institutions place certain conditions on the loan advanced for mobile homes. The home being financed has to be used as the principal residence by the person taking the loan. The maximum loan amount and tenure depend on the location and can vary with in designated high cost areas. Tenures vary between 15 to 25 years. Manufactured or mobile homes are usually sold through dealers or retailers. These dealers themselves can give you names of lenders who specialize in financing these types of homes. They will have the necessary certification to prove that the home in question complies with the construction and safety standards. They will also help you to complete the documentation required to complete your loan application. Essentially, the prospective homeowner needs to demonstrate that he has the financial stability to service the loan, he should be able to pay 5% down payment at the very least and have a suitable site - leased or owned where the home can be placed. The home itself must meet the required safety criteria and standards and carry a one year warranty. It must be erected on a site that meets the standards for sewage disposal and supply of water, electricity etc. The law also prohibits the use of the loan to purchase furniture etc. However, it can be used to finance anything that is built in to the house. This could include various appliances such as air conditioners and wall to wall carpeting. It is amply evident therefore that the mere fact that you have chosen a mobile home or a manufactured home is no excuse for a lender not to lend you money- so far as the home meets the required criteria in terms of site, manufacturing standards and owners contribution. In fact, the 'Fair Housing Act' gives you specific protection to ensure that you are not forced to accept higher interest rates etc simply because you are from a minority community etc. There just doesn't seem to be any reason to put off that home now!

Investing in a personal computer is not less an amount. It is next only to investing in a house or a car. So, it’s not unwise an idea to insure your computer and its allied accessories like peripherals and software. However, how much coverage you get for what accessory depends on individual market offer. There are several threats your computer might face. Such as virus attack, data corruption, system crashing down, peripheral malfunctioning and many more. Thus, it is important for you to protect your investment by proper insurance coverage. There are certain aspects of computer insurance you must know.

Coverage under homeowner or renter’s policy
In most of the cases if you have homeowner or renter’s policy your home accessories and assets are also covered in that and so is your computer. It is covered against all the threats and disasters listed in the policy. Thus, if your computer gets stolen or gutted in fire you can claim for the damages. However, your computer gets covered only for the amount listed in your policy.

Replacement cost and actual cash value
Though replacement cost is 10 percent more expensive as compared to Actual cash value, keeping in mind that things depreciate fast, this is a very wise move. The reimbursement you get on replacement cost is the same as the current cost of your computer and not the petty depreciated cost you would get with actual cash value policy.

Coverage for Laptop and portable computer
Laptop and portable computers are considered personal possessions away from home under the homeowners or renter’s policy. Thus, they are also covered under this policy. However, there is a dollar limit on personal possession that are stolen or damaged away from home.

Computers don’t only get covered under the homeowners or renter’s policy. A number of insurance companies offer individual insurance policies for computers as well. It is important to remember that when you buy a computer insurance policy you must retain the receipt of the policy as well as that of the computer and its peripherals very carefully.

Computer insurance is vital for students, business professionals, small business owners, schools, home users with heavy usage and many more people who use computers for their critical applications. Computer insurance does not cover certain items such as maintenance costs, electrical or mechanical breakdown, wear and tear, fraud and dishonesty, consequential loss, and loss or damage caused by sonic bangs. However, they are well covered under the warranty/extended warranty of the equipment.