Home > > Discover More(SM) Card

Discover More(SM) Card

0% Intro APR*
More ways to earn more cash - than anyone else.SM*
5% Cashback Bonus® in categories like travel, home, gas, restaurants, movies and more
5% to 20% Cashback Bonus at top retailers through our exclusive online shopping site
Up to 1% Cashback Bonus on all other purchases automatically
Unlimited cash rewards
Increase, even double, your rewards when you redeem for gift cards from our 80 Cashback Bonus Partners
Complete fraud protection for your peace of mind
$0 fraud liability guarantee
Advanced fraud early warning alerts
Fraud specialists dedicated to helping you 24/7
Customer service that puts you first
One call and we take care of it
Talk to a knowledgeable person in less than a minute
Easy online account options that put you in control
Timely e-mail reminders to help you avoid fees
No annual fee
Formerly Discover Platinum Card
*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.
2

DID YOU KNOW?

	What is a leads group? Leads groups seem to be the most popular form of networking judging that comment by the fact that there are more leads groups in existence that have been around for a long time than most other types of groups. Leads groups are often referred to as closed groups. This means that there can only be one type of a business represented in a group. Lets say that I am a web designer. In a closed group I would be the only web designer represented in the group. Other web designers would be allowed to visit, but if they wanted to join the organization they would have to find a group that did not have a web designer. If there was no opening in an existing group for a web designer, the person would have to go on a waiting list until an opening became available, or a new group was formed. Most leads groups meet once a week. There are some that only meet once a month. Leads groups offer something that a lot of people need. Structure and discipline. What do I mean by this? Structure - In a leads group you do not have to be a master net worker. As a matter of fact, you can be a shy person and still have success in a leads group. Most leads groups allow a given amount of time to tell other members about your business. This usually ranges from one to five minutes. In this allotted amount of time you can go into great detail about your business including describing what type of leads you are looking for. The format is usually accomplished by sitting around a large table, and a leader moderates the time and asks questions. The meetings are generally held early in the morning or at lunchtime. Discipline - In a leads group you are expected to show up for the meetings. Theoretically, if a leads group had only 15 members and several people did not show up, it would be difficult to have a reasonable meeting. To insure against this happening most groups require that you assign a substitute when you can not attend. This substitute should be a person in the same industry as you so that the balance of the group is not affected. In this situation, if you have a tendency to miss a lot of meetings, it would not be good to join a leads group. If you miss a lot of meetings without a sub, you will be ejected from the group. The upside? In a leads group you will get to know people very well over time and get an idea of their abilities to fulfill the needs of a referral. This is good if you do not have time during the week to meet with people one-on-one in order to get to know them. A dedicated group will provide you with a steady stream of leads that you can utilize to expand your business. The downside? Well, sometimes the leads become a paramount obligation and people feel pressured to pass them. If they are passing leads that are just names and numbers without a true expressed need, the leads generally lead you nowhere. Another issue is a member of the group whose quality of product or service does not meet the standards that you would want to refer to someone. It is difficult to pass a solid qualified lead to someone who will not provide the kind of service that you would expect them to. There are also a few groups in existence that are in essence leads groups. They allow freedom to go to any meeting you wish as long as you are a member. The format is the same, seated at a table, and there is usually a time limit. The problem with these groups is that people wander in and out and without a lot of time to talk individually, you still have to set appointments outside of the group to really get to know someone. Without the discipline, the freeform leads group usually does not last for a long period of time. Often these groups open and close with great regularity leaving the members to search for another meeting to attend. In closing, I would like to add that there is no wrong or right group to belong to. Visit groups and you will find the ones that are right for you. It is often beneficial to belong to three types of groups to get the most out of your networking efforts.

These days, it’s hard to listen to the financial or economic news for long without hearing something about pensions. These news stories usually give us some bad news about the pensions shortfalls in the gaping holes in pension funds. The chancellor Gordon Brown has recently gone on record suggesting that he is in favour of increasing the working age, and the debates about whether to link state pensions to earnings or inflation rages on. The bottom line is that people are spending too much, and saving too little for the future. It can be seen in all aspects of life, from consumer debt levels to corporate pension provisions to government statements about the future funding of pensions.

Save now

If you want a prosperous retirement, it looks like to only way to guarantee it, is to save the money yourself and provide for your own pension. The amount you receive during retirement is all down to you and the basic principle is that the more you save now, and the sooner you start saving in life, the better off you will be in old age. No one wants to spend their whole life working hard, just to end up struggling in their old age with an inadequate pension. This is the time that many people look forward to as a long awaited break and a welcome reward. It can be a great opportunity to do some of the things you never had the chance to when you were younger and busier, like travel, take up new hobbies and spend time with friends and family. But you must have the money put away in advance.

Secure your future

The earlier you start saving the better. It’s been said before but it is the single most important tip in all pensions advice. Because of compound interest and rates of cumulative saving and investment growth, money saved when you are in your twenties will be worth an average of four times as much as money saved in your forties. Or put another way, saving £300 a month in your twenties for you pension, is equivalent to putting in £1,200 a month when you are forty. Therefore, it really is good value to save early. Of course this will all depend on your own personal circumstances but if at all possible, try to start saving for your old age while you are still young. Not only will it mean a secure and prosperous retirement, but also poverty when you are young is still far more fashionable than poverty in old age.