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Home > > Chase FreedomSM Cash Visa
Chase FreedomSM Cash Visa
Earn 3 Points for every eligible $1 spent1 in purchases at: Grocery Stores, Gas Stations, Quick Service Restaurants.
Earn 1 Point for every $1 spent1 in purchases everywhere else
Get a $50 Check once you've earned $50 in rewards
Save up $200 in rewards and redeem for $250 cash back
Save with 0% APR* for up to 6 months** and No Annual Fee
Take control of your rewards with Chase FreedomSM. Choose Points. Choose Cash Back. Change your mind and keep what you've earned.
Earn 3 Points for every eligible $1 spent1 in purchases at:
- Grocery Stores: Stock up on food, household goods and more
- Gas Stations: Use your card for fuel, repairs, car washes, and other purchases
- Quick Service Restaurants: Rewards add up fast from pizza to hamburgers to tacos - even sandwich shops, coffee houses and more
- Earn 1 Point for every $1 spent1 in purchases everywhere else
- Reward yourself with as few as 1,000 Points
- Save with 0% APR* for up to 6 months** and No Annual Fee
Chase Freedom gives you the power to choose the rewards you want and the freedom to change your mind.
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DID YOU KNOW?
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| What is wealth knowledge? It is knowing how money is made, and how wealth is protected. It isn't really a secret. In fact, there are hundreds of books out there that spell it all out for anyone willing to pay a little bit. The problem is that the essential truths are not popular with those who want to get rich easily.
Wealth Knowledge - Creation of Wealth
The first thing to understand if you want wealth knowledge, is that wealth is created. It isn't shuffled around from person to person depending upon who is "trickier." There is more wealth on the planet now than ever before, and more being created every day. No one has to get poorer for a man to become wealthy.
Start to recognize and understand the ways in which value is created. This is the basis of your own financial enrichment. You have to create something of value to others, and that is how you really make money. Any other way of making money is fragile, probably unethical, and likely temporary.
In the business of property "flipping," for example, it may appear that there is no value created. Buy a fixer-upper for $120,000, sell to another investor for $130,000 - where is the value you created? In the application of your knowledge of values, how to find properties, and how to structure deals. You put a neglected property into the hands of someone who will renovate it and make it a nice home for some family.
Think first of how you will give people what they need and want. In any business you'll make more money finding ways to solve other peoples problems than in finding ways to get paid. There are always enough ways to get paid if you create enough real value.
Wealth Knowledge - Habits of Wealth
A wealthy person is different from a poor person. No, he or she doesn't have different feelings, or even a superior character. What makes the wealthy different is what they consistently do. Wealth knowledge is in knowing what habits to cultivate.
Debt is a means to buy "toys" for most people. Put another TV on the credit card. It isn't that wealthy people avoid debt. They have much more usually. The difference is that they use debt to invest, to generate more wealth. The next time you borrow any money, do it to buy income producing real estate, or to start a business.
Wealth knowledge is about knowing what pays you the most for your time. Discover that, and do those things more. Make it a habit. Just spending two hours to re-arrange your banking, might make you hundreds more in interest over the years. Does your job pay you $100 per hour? Those you sell real estate know you can make several times as much for the same time selling $300,000 properties as selling $30,000 lots. Why not concentrate on working where the money is?
Everything gets easier as you do it more. There are tasks that you want to avoid, but are important to your financial future. It's tough to get motivated to do them. Get in the habit of starting each day with these most difficult tasks, though, and it gets easier. Of all the things you need to learn and do, developing good habits is the key to wealth knowledge.
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If you are a first-time home buyer, with not a lot of money in the bank, you will probably hear the term "pmi" or "private mortgage insurance" sometime in the mortgage process. This is because private mortgage insurance is required on all mortgages where the loan-to-value ratio is 80% or greater. To put this in simplified terms, if you buy a house that is $60,000, and you are unable to put $12,000 (20%) down as a down payment, you will have to pay private mortgage insurance. This is actually to protect the lender from you defaulting (not paying) on your loan. As a buyer, you will probably want to get rid of the private mortgage insurance (PMI)as soon as possible, because it is not tax deductible, and you never see it again. It really does nothing to help you. Unfortunately, you will probably not receive notification from the lender when you have paid off enough of your mortgage to be able to stop paying PMI. So you will need to carefully look at your mortgage statements to keep track of the debt to value ratio of your loan. Whenever it falls below 80%, you will then be able to make arrangements to drop the PMI. Even if you haven't paid enough money down, you may be able to drop PMI if your house has appreciated in value. For example, if you buy a house for $60,000, and you remodel it, and the value goes up to $80,000, you can get it re-appraised and drop the private mortgage insurance. Whichever way is best for you, be sure to keep watching your mortgage statements, and do everything possible to drop the private mortgage insurance as soon as possible. For other tips, see http://www.mortgage-refinancing-online-guide.com Also, talk carefully with your mortgage professional before signing on to any loan agreement.
Copyright 2007, Credit Devil. All rights reserved!
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