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Clear from American Express

0.00% intro APR for up to 12 months.
5.99% fixed APR on balance transfers.
Automatic Rewards.
Flexibility to pay over time.
User-friendly credit report and score.
American Express World-Class Customer Service.
Earn automatic rewards faster with fee-free Additional Cards

CARD FEATURES
Automatic Rewards
When you spend $2,500, you get an American Express® branded shopping card worth $25.I Complimentary credit report (with credit score) every 12 months

Clear from American Express®

• Pay over time or pay in full.
  
• Grace Period for purchases is 28-31 days, if the previous balance shown on each billing statement is paid in full by each respective due date.
  

• Emergency Card ReplacementVII: Receive a new Card if yours has been lost or stolen in as little as 24 hours.
  
• Global Assist® HotlineVIII: Whenever you travel more than 100 miles from home, we'll provide you with emergency assistance 24/7, including medical and legal referrals, visa/passport help, cash access, lost luggage and more.
  

• Access your account online 24/7: Pay your bill or view up-to-date billing information, including transactions, charges, and payments.
  
• Online Year-End Summary: Organize your expenses in a snap - download and print the Summary; sort charges by date, merchant name, amount or category, such as Travel and Restaurant.IX
  

DID YOU KNOW?

	Despite recent rate hikes by the Federal Reserve, Americans still enjoy some of the lowest interest rates in generations. Though you may have missed some record breaking low rates, you can still save your family a significant amount of money by refinancing your mortgage at a lower rate. If you intend to sell your home within the next few years, you can take advantage of today's low rates by switching to an adjustable rate mortgage. Although experts expect mortgage rates to climb in the next few years, you can reduce the amount of interest you pay between now and your selling date with a carefully timed adjustable rate loan. For most homeowners, today's hot refinancing marketplace holds some tremendous deals on fixed rate loans. Regardless of how high interest rates may climb over the next few decades, you can refinance your mortgage now to lock in today's low rates. You can drive your mortgage rate even lower by switching from a thirty year loan to a fifteen-year loan. Though your monthly payments would be somewhat higher, you can potentially cut the amount of interest you pay over the lifetime of the loan in half. In addition, you'll pay off your house much sooner, allowing you to accelerate your retirement savings or even scale back the number of hours you spend at work. A handful of ultra-competitive lenders now offer refinancing with no closing costs. These lenders compensate by offering interest rates slightly above the rest of the market. Other lenders offer market rates by adding the closing costs to the amount of the loan. In either case, run the numbers to find the refinancing deal that can save you the most money. Keep an eye on your contract for hidden fees and charges. A low advertised rate may lure you through the door of a new mortgage lender, but hidden monthly fees may negate your interest savings. Also watch out for lenders who try to saddle you with a prepayment penalty. You should never have to pay a fine to get out of debt. While the market is white hot, take advantage of the competition. Call your current mortgage provider with offers you've seen in this week's newspapers. Challenge them to meet or beat those deals, and they usually will. Otherwise, you can pit a number of potential lenders against each other to fight for the opportunity to serve you.

When you are looking to build a business from home, you need to know what you are looking for. Do you want to build from scratch or become a representative for an already established business? You need to carefully evaluate what it is you want to accomplish, and how much time, money and effort you are willing to put in to accomplish it.

**Starting From Scratch

If you decide to start your business from scratch there are many things to consider:

· Sole proprietorship or Partnership?
· Incorporate?
· Where will you operate, will you need a factory/warehouse?
· Where will you purchase supplies, materials, and products?
· Will you set up your marketing materials such as flyers, catalogues, order forms, etc or pay someone else to do so?
· Will you need to develop a look, a logo, and a style for your business?

There are many advantages to owning your business and being the person who started the business from scratch, there are also many responsibilities that you will need to be prepared to handle as the sole proprietor of your business. When you start your business from scratch you will need to seek out support so that you can learn how to run your business, find resources for supplies, meet new contacts to grow your business.

**Joining An Existing Business

The business opportunities available are as varied as you can imagine, with this type of variety there is something for just about everyone. When you join an existing business as a distributor you will have a product (or service) that is already developed and often proven. Joining a company as a distributor means that you can focus on developing a plan of action to grow your business and you do not have to focus on development of product or marketing materials.

Network Marketing, also know as Multi-Level-Marketing, is a very powerful type of business and if you haven’t considered it before you may be missing something very big. Now maybe you associate MLM with pushy people who try to drag you into their business by telling you that you can have the life of your dreams, the car of your dreams, a huge home and all the things you’ve ever wanted. This is not the true picture of Network Marketing. There is no shame in representing a company that you believe in, selling a real and high quality product, and building a team of people that will do the same. This is the power in this type of business!

Here are some things to consider if you are thinking about becoming a representative for a company that allows you to recruit new partners:

· What do they represent? - Make sure you know what their product is and if it is high quality. You need to represent something you are proud of, something you believe in, and it will shine through.

· What kind of support and training do they offer? – The training and support a company offers can be invaluable to your success. If they have solid training that has been used and proven by others then you will start you business of on the right path my following it closely.

· How do they allow you to promote their products? – Can you sell online? Are you limited strictly to home parties? Can you do fundraisers? These are questions to ask of a company you are considering joining.

· Are there any minimums that they require for you to remain active? – Many companies will have a minimum purchase amount for you to remain active as a representative, find out what they require and determine if you can handle this.

So when you are looking to work from home consider all the options, you never know what might pop out when you start considering everything that is out there. Just remember what you want to get out of your business and follow your passion!