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Pulaski Bank Gold Visa

Low rate
No annual fee
0% balance transfers
No fee balance transfers

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with your current credit card

Annual Percentage Rate for Purchases and Cash Advances:
7.99%
Annual Percentage Rate for Balance Transfers:
0% APR for 6 billing periods from the posting date of the balance transfer check *
Grace Period for Repayment of Balances for Purchases:
You have 25 days to repay your balance for purchases before a finance charge on purchases will be imposed. If the new balance is not paid in full within 25 days, a finance charge will apply to both the balance remaining (including current billing cycle transactions) and to all transactions during succeeding billing cycles until the new balance is paid in full.
Method of Computing the Balance for Purchases:
Average daily balance method (including current transactions). The finance charge for a billing cycle is computed by applying the "Monthly Periodic Rate" to the average daily balance of Credit Purchases, which is determined by dividing the sum of the daily balances during the billing cycle by the number of days in the cycle. To get the "Monthly Periodic Rate" applicable to the current billing cycle, the APR in effect is divided by 12. Each daily balance of Credit Purchases is determined by adding to the outstanding unpaid balance of Credit Purchases at the beginning of the billing cycle any new Credit Purchases made on your account, and subtracting any payments as received and credits as posted to your account, but excluding any unpaid Finance Charges.

Annual Fees:
NONE
Minimum Finance Charge:
$1.00
Transaction Fee for Purchases:
NONE
Transaction Fee for Balance Transfers:
NONE

Transaction Fee for Cash Advances
Advances and Other Fees: Cash Advance Fee: None
Late Payment Fee: $15 for balance less than $100, $29 for balance of $100 to $1,000, $35 for balance greater than $1,000
Over-the-Credit-Limit Fee: $29.00
Insufficient Check Fee: $29.00
2

DID YOU KNOW?

If you listen to much financial news, you may hear a variety of odd phrases used to describe the activities of the stock market. Perhaps two of the more confusing of these are the terms “bull market” and “bear market”… while these terms are descriptive of major trends across the market, if you're not sure what they mean then that information doesn't do you a whole lot of good.

To help you make sense of the bulls and the bears, this article compiles definitions of each type of market as well as what they mean to investors and their investments.

Bull Markets

A bull market is the term that's used to describe an optimistic market, or one in which the prices of stocks and other securities continues to rise. Major investors are usually more than willing to make new investments in a bull market because they are reasonably sure that they'll be able to earn a profit on their investments due to the market-wide trend of growth and expansion.

What an Optimistic Market Means

Basically, an optimistic market means that the economy is doing well and that people are more willing to spend their money on investments in companies that they trust. During an optimistic market, many lesser-known companies begin to thrive because they share something in common with their well-known counterparts; sometimes it's simply being in the same industry as a well-performing company.

Though there is a lot of money being made with an optimistic market, it's important that you don't start thinking that it's a guarantee of success… the stock market is very volatile and fluid, and just because large portions of it seem to be doing well this doesn't mean that some sections can't begin to drop in value without warning.

On many occasions optimistic markets end because investors are artificially inflating the price of many stocks with repeated investments, and when the stock is discovered to be worth less than what people are paying for it the market shifts from large amounts of buying to great sales of stocks and other securities.

Bear Markets

The opposite of a bull market, a bear market is the term that's used to describe a pessimistic market. Instead of rising, a pessimistic market sees the process of stocks and other securities lagging behind or falling outright. Many major investors are hesitant to make new investments in a bear market, because they know that there's a good chance that prices will fall even lower due to the market-wide trend of falling prices and reduced profits.

What a Pessimistic Market Means

As opposed to an optimistic market, a pessimistic market usually means that the economy is not doing as well and that people are less willing to spend their money on investments or anything that they don't really need. During a pessimistic market, lesser-known companies tend to struggle to stay afloat and even larger companies tend to have to make cutbacks or lay off employees until the economy picks up again.

It's important to keep in mind that though the prices of most stocks are dropping in a pessimistic market, it's still possible to make money… especially in long-term investments. Many companies will recover from pessimistic markets to show record profits in the following years, and stock prices will rise substantially.

Buying shares when the prices are low can seem risky at times, but in many cases will prove to be quite profitable down the line should you stick with the investment and ride out the economic troubles.

You may freely reprint this article provided the following author's biography (including the live URL link) remains intact:

About The Author

Many private investors do not have a large amount of capital at their disposal to invest in stocks. Some take the route of Penny Stocks to generate high returns but some people find these too risky. Indeed, Penny Stocks ARE risky – if you do not know how to carry out research.

There are many other ways to invest. I’m going to tell you about one investment opportunity that gives high returns with little research. Anyone can do it. I am talking about Offshore Investments, also known as High Yield Investment Programs (HYIP).

Firstly, there are two types of High Yield Investment Programs. These are “Autosurfs” and Private HYIPs. Both are accessible to the general public and give high returns – usually with a minimum deposit as low as $5. The returns that I’m talking about are in the region of 30% every month, for no work at all. The only difference is the risk factors involved.

An Autosurf is a program that pays you for surfing the internet. The return you will receive depends on the amount you invest. Generally, Autosurfs are regarded as a higher risk than HYIPs. This is because Autosurfs, generally, do not have a viable means of alternative income.

Private HYIPs are a far safer option for small investors. Not many people know about them and they tend to last longer than Autosurfs. Many of them have exceeded 3 years, thereby giving you more than 10 times your intial investment. Their income usually comes from using investor’s cash to trade stock markets.

Finding private HYIPs is not as hard as it used to be. A simple search will reveal some good investments. Reading people’s comments and opinions on them will help you form your own opinion and tell you if you should invest or not. Choose wisely.

For small investors, private HYIPs are like a dream come true. We can now create passive income with as little as $100.

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