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Total Rewards Credit Card

Card issued by FIA Card Services, NA.
Earn 1 Reward Credit for every $1 you charge in net retail purchases anywhere
0% Introductory Annual Percentage Rate (APR) on balance transfers and cash advance checks for one year
No annual fee

Earn 1 Bonus Reward Credit for every $1 you charge in net retail purchases anywhere- at the grocery store, mall, gas station, online, even when you pay recurring monthly bills. These Reward Credits will be added to your Total Rewards account balance, which can also be filled by your gaming play at any Harrah's Operating Company casinos.§

Total Rewards Credit Card

DID YOU KNOW?

	If you are a loan officer or mortgage broker, you may be on the market for mortgage leads. You may even be considering purchasing them exclusively. Purchasing exclusive mortgage leads may not be such a bad idea if you want to cut out your competition. Most mortgage lead companies will sell their leads up to four times, and some as many as five times. This is known as selling the lead non exclusively. Not only will you want to purchase your leads exclusively, you will also want to make sure that the lead is being sold in real time, or what is known as fresh. A real time lead is one that arrives in your hand within seconds of the potential customer hitting the submit button on the on line application. If a lead company is selling you old or recycled leads, than you can hardly call these leads exclusive because it has gone through the hands of many loan officers before it reached you, so be careful. The most effective way to make sure you are receiving real time exclusive leads is to call the lead company you are considering investing with. Speak with someone in customer service and find out where they obtain their leads and how they are delivered, as well as how quickly they are delivered. Your best bet is to go with a lead company that obtains their own leads through sites in which they own and operate. Steer clear of the mortgage lead companies that buy their leads from third party vendors. There is no way to know how many times that third party vendor sold that lead to other companies or loan officers. Remember, you work hard for your money. So if you are not happy with the answers you receive from customer service, than more than likely you will not be happy with the leads they send you.

You throw your cap into the air with the thrill of knowing that you have just completed a great challenge: College. As the cap falls from the sky and smacks you in the head, it hits you: You are $20,000 in debt! The nights of cramming for midterms, freshman hazing and caffeine comas have cost you, and now its time for payback. Where do you begin?

First you need to relax and take a deep breath. The United States government does not expect a check from you for $20,000. The first thing to understand about a federal student loan is that you have some time before you have to start paying it back. It's called a "grace period" and it is extended for six months. During these six months, it is expected that you will find a job and secure some type of financial stability. Your first payment is due within sixty days of the first day of your repayment period.

The next thing that you need to understand is that you have repayment options. The Federal Student Aid website offers four specific repayment options. These include the Standard Repayment Plan, the Extended Repayment Plan, Graduated Repayment Plan, and the Income Contingent Repayment Plan.

The Standard Repayment plan requires a fixed amount each month, which is often a higher amount as you have ten years to repay. The Extended Payment Plan takes longer to pay off your loans, which means you will pay more in interest, but your monthly payments will be smaller. The Graduated Repayment Plan is an excellent option, offering lower payments at first which increase over time as your income increases. Finally, there is the Income Contingent Repayment Plan, which allows you to adjust monthly payment based on family size, income and loan amount.

If you have difficulty paying back your student loans, there are two ways to handle it: Deferment or forbearance. Each of them results in a pause or reduction of payment respectively.

Successful repayment of your student loans requires a clear understanding of your options.