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TrueEarnings Card from Costco and American Express

Earn Cash Back - 3% for gasoline, 3% for restaurants, 2% for travel, 1% everywhere else, including Costco.1
No Annual Fee with your paid Costco Membership.
The TrueEarnings Card serves as both your American Express Credit Card and your Costco Membership Card.
The flexibility to pay charges over time.
No Limit on the Cash Back earned.

Earn true cash back the simple way

TrueEarnings^® Card from Costco and American Express

• Earn 3% cash back for gasoline.
  
• Earn 3% cash back for restaurants.
  
• Earn 2%cash back for travel.
  
• Earn 1%cash back everywhere else, including Costco.
  
• No minimum on how much you have to spend.
  
• No limit on what you can earn with the TrueEarnings Card.
  
• Cash back earnings accumulates over the course of the year and the total is issued to you in your February billing statement.
  

• Pay over time or pay in full.
  
• Grace Period for purchases is up to 20 days, if the previous balance shown on each billing statement is paid in full by each respective due date.
  
  

• 0.00% Intro APR for 3 months on purchases made with the Card.
  
• For Balance transfers, APR is 1.99% for 6 months when you transfer a balance during the first 30 days of Cardmembership.
  

DID YOU KNOW?

	Not too many people know this, but there are over 900 different Chase credit cards for consumers to choose from! Yes, the number you read is correct. With most of these cards being “affinity” cards, meaning having direct tie-ins with a store, or with an auto manufacturer, you name it the choices for consumers are bountiful. A little overwhelming too, don’t you think? To cut to the chase, pun intended, there are three Chase credit cards that stand above the rest. Let’s take a closer look at each one and what each has to offer to you. Chase Platinum for the Ultimate Credit Card Chase Platinum – As the name suggests, this is the one of the most popular cards offered by Chase. It also is the most power packed one at that! Available to you as the Chase Platinum MasterCard or as the Chase Platinum VISA card, this card really delivers: 0% APR for the first 12 months; no annual fee; a fixed low rate after the introductory period ends; and lots of nifty benefits. You get travel accident insurance coverage, lost luggage insurance, purchase assurance, and extended warranties on many of your purchases. Practical and smart coverage for the traveling consumer! Put Some Money in Your Wallet With a Chase Cash Plus Card Chase Cash Plus – Like the Platinum card, you also get 0% APR for the first 12 months and avoid the annual fee. With the Chase Cash Plus card, you get 1% cash back on all purchases, but Chase bumps that amount up to 5% when you charge your gas, groceries, and drugstore purchases! Even better, for every 5,000 points earned, you can redeem them for either a $50 check or a $50 gift certificate from a variety of top notch merchants. Clearly, if it is money back that you want then the Chase Cash Plus card is the one for you. Frequent Fliers Love the Chase Value Miles Card Chase Value Miles – Are you a jetsetter? A true road warrior? If so, why not make your trips work for you? The Chase Value Miles card was created for frequent travelers just like you. Besides the 0% APR for the first 12 months and no annual fee, card holders reap big benefits in the form of one airline mile for every dollar spent! Best of all, there are no blackout periods so you can use your miles at any time and Chase kicks in a cool $500,000 travel insurance too. Travel to Los Angeles, Paris, Singapore, Cape Town, or to wherever you want to go. So, there you have it…900 choices narrowed down to the top three. Whichever Chase credit card you select, maximize your choice to get the most you can out of it. Cash, points, free air miles…the choice is yours and a Chase credit card can help you get what you want for free!

We have all heard the advantages of investing in a mutual fund over trying to pick individual stocks. First of all mutual funds hire professional analysts that are market experts and devout many hours of study to the various stocks. Unless you want to devout a large portion of your free time to the study of the financial reports, you probably won’t have as much information to make a decision as a mutual fund manager.

Then there is the well documented advantage of diversification. Risk is reduced by holding several non correlated investments. Put simply, some go up, some go down and combined, the return levels off the fluctuations, or risk.

Finally, a mutual fund offers smaller investors a chance to invest in small increments rather than having to save a large chunk of cash to purchase 100 shares of stock.

Given the above advantages, it’s no wonder that mutual funds have become a very popular form of investing. Now there are thousands of mutual funds to choose from, so how does one make a selection? Here are a few tips:

1. Do not be seduced to jump on the recently performing best fund. It may seem like the safe and rational thing to do, but like individual stocks, you want to buy low and sell high, not buy high and pray for more growth.

2. Even good funds may not be able to overcome the force of the overall market. You should be looking for funds that can exceed the broad market without increasing risk. Each fund has certain risk parameters that it is required to follow. Read the prospectus closely to understand what these are.

3. Limit the number of funds that you own. Unless you are trying to simply achieve the same returns as the broad market, diversifying into many mutual funds will not reduce your risk or increase your return by much.

4. Funds that become too popular and too big tend to slip in performance. There are several reasons for this.

Find more valuable mutual fund resources at www.best-mutual-fund.info

One final point to keep in mind is that the type of fund will totally depend on your investment objectives. There are certain funds that are designed for your objectives be they retirement, income, growth, funding the kids college, etc.