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Discover More(SM) Card

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

More ways to enjoy more cash than anyone else.SM*
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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?

	Every year about this time, people start talking about and considering things like IRA contributions. Most of the time, tax-sheltered investments make great sense. The federal and state governments have designed their tax laws to encourage such savings. However, that said, there are three situations in which it may be a poor idea to use tax-sheltered investments: You know you’ll need the money early In this case, it may not be a good idea to lock away money you may need before retirement because there is usually a 10 percent early-withdrawal penalty paid on money retrieved from a retirement account before age 59 1/2. But you will also need money after you retire, so the “What if I need the money?” argument is more than a little weak. Yes, you may need the money before you retire, but you will absolutely need money after you retire. You don’t need to save any more for retirement Using retirement planning vehicles, such as IRAs, may be a reasonable way to accumulate wealth. And the deferred taxes on your investment income do make your savings grow much more quickly. Nevertheless, if you’ve already saved enough money for retirement, it’s possible that you should consider other investment options as well as estate planning issues. This special case is beyond the scope of this book, but if it applies to you, I encourage you to consult a good personal financial planner—preferably one who charges you an hourly fee, not one who earns a commission by selling you financial products you may not need. Your tax rate will rise in retirement The calculations get tricky, but if you’re only a few years away from retirement and you believe income tax rates will be going up (perhaps to deal with the huge federal-budget deficit or because you’ll be paying a new state income tax), it may not make sense for you to save, say, 15 percent now but pay 45 percent later.

Located in the upper Chesapeake Bay region, Baltimore is a city rich in American history. During the War of 1812, Baltimore’s Fort McHenry came under attack by British forces which had just completed the burning of Washington, DC some forty miles to its south. The battle for Baltimore was a key turning point in the war and saved the young union from certain defeat. It is this tenacity of spirit that has sustained the city for nearly three centuries and is what attracts new home buyers in their quest to find affordable housing there. A Baltimore mortgage awaits you if you want to invest in this historic city.

Purchasing a house in Baltimore is a lot like purchasing a home in any established American city: you make a down payment, contact several lenders for competing bids, and you choose a lender based on the information given. Your Baltimore mortgage is ready and your move is assured, right? Well, it isn’t always that easy! Let’s take a look at some web sites that can give you helpful and important information as you shop for a mortgage:

1. Bankrate.com – this site features up to date mortgage rates from all over the nation. Narrow your search to Baltimore and local mortgage rates will appear in your search results. The rate given should be a good point of reference for you as contact lenders.

2. Interest.com – works in the same way to Bankrate; put in your Baltimore mortgage information and the rate will appear.

Other helpful sites of note include:

3. ChaseHomeMortgage.com

4. HomeLoanCenter.com

5. Amerisave.com

6. Ingdirect.com

7. LendingTree.com

While this list isn’t inclusive, it is a good beginning. In addition, you can check your local phone book for a list of Baltimore mortgage companies. Sometimes the smaller, local companies are more willing to help out, especially if your have other circumstances present, including being self employed, bad credit, have suffered a loss in income, or have experienced any other “life impacting” changes.

Your Baltimore home is waiting for you -- contact a Baltimore mortgage broker today to learn about your mortgage options.