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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?

	By the time you read this, the President will have signed into law significant restrictions to the Medicaid law. This article describes the opportunity for seniors to take action and protect themselves. These restrictions are intended to stop abuse of the Medicaid system by middle income and even wealthy seniors who think of Medicaid as the last resort for senior insurance. Until now, the Medicaid law has been so liberal, anyone could qualify for Medicaid supported long-term care. For example, a home has been a non-countable asset, so one could own a $10 million home (or an apartment building in which they reside) and still qualify for Medicaid. No more such loopholes in this senior insurance program. Anyone with more than $500,000 in home equity cannot receive long term care benefits from Medicaid. Additionally, one will be penalized if they have given any type of gift within the last five years (the look-back period was previously three years). The gifts taken into account include college tuition for grandchildren, emergency help for family, Christmas, birthday, wedding and graduation presents, charitable and church donations. In other words, Congress is attempting to insure that the only people who use Medicaid for long term care will be those that normally don't have enough money to give gifts anyway. Use caution making gifts or donations as they will penalize your ability to obtain Medicaid benefits for long term care for the next 5 years. This senior insurance program will no longer be available to many. The new law starts the penalty period when the senior applies for Medicaid, not when the gift is given. For example, if Mrs. Jones gave a $40,000 donation four years ago (within the five year look-back period) and if Medicaid needs to pay a local long term care facility $4,000 a month, then Medicaid will not make any payments for 10 months. In other words, Medicaid penalizes assistance for the value of the gift. Even if Mrs. Jones is now broke, Medicaid will not provide support until she has been in a long term care facility for 10 months. Also be aware that nearly every state is tightening their implementation of the general Medicaid rules. Do not automatically assume that an annuity is an exempt asset or that the residence cannot be attached for recovery. These rules are in flux and favor the state, so you must maintain contact with your state agency that administers Medicaid or an Elder Law attorney. So what should the average senior do? Middle income and wealthy seniors no longer have a substitute for long term care insurance. They cannot rely on the government as their supplier of senior insurance. Of the three choices that have been available for dealing with long term care: a) self-insurance, b) private long term care insurance, c) position assets to collect Medicaid, the list is now down to two options: a) self-insure or b) private long term care insurance. In other words, if you've delayed buying long term care insurance thinking that you had the government as a safety net, that safety net is now gone. Note that Medicaid was never a good option anyway. Someone with private long term care insurance that can pay “full fare” for long term care gets a nice sunny private room with big windows. The senior on Medicaid gets shoved in an interior room with two other people, no windows. As much as this is illegal or people want to deny it happens, as stated by the National Senior Citizens Law Center: “Many common nursing home practices are illegal. For example, although the Federal Nursing Home Reform Law requires that all residents receive high-quality care, many nursing homes provide lesser care to residents whose care is paid through Medicaid.” Why don't seniors just get private long term care insurance? The most common reason is the expense. But it's a bad excuse because an experienced financial advisor can show you how to keep the cost down or make a one time payment rather than annual payments (using an immediate annuity or a “combo policy,” its possible to make one single deposit and avoid annual payments). In some states, insurance companies can provide a return-of-premium option. With that option, if you never use the policy, your heirs get all of your premiums returned. But don't delay. One negative comment in your medical records can preclude you from ever getting insured so get the coverage now.

Each one of us has been using the Internet for a long time. Internet is a store of unlimited information on any subject. You just need to browse through various websites available and can get any information you want. But do you know you can get a loan online too. Yes, I am talking about “Online Loans”.

Online Loans are the loans that an individual can get by applying through a computer. Human being’s desire for convenience is one of the reasons behind the advancement in technology day by day. Online Loan provides you the convenient way to get a loan without moving from one place to another.

Now, you can access the Internet and can browse through various websites to get an online loan. You need not meet each and every lender personally. The websites are open 24 hours a day, 7 days a week and 365 days a year. These websites also provide you with facility to calculate your credit score, free of cost or for nominal charges.

In the past, there were only few lenders who offered limited number of loan options. To search for the right lender, the loan seeker had to go to each lender and meet him personally for getting information about the various loan options available with each lender.

You can access unlimited number of lenders through Internet who can offer you unlimited number of loan options that suits your expectations and need. You can apply for an online personal loan either a secured or an unsecured one and can also mortgage or remortgage your property. You can use the loan amount for any purpose you desire. The lender is only concerned about the monthly payments and the repayment of the loan amount.

Few lenders also provide you with the online loan calculators which can help you in evaluating your monthly payments and the term for which loan will be granted. You can ask for loan quotes from the online lenders and can compare the different quotes to find the most appropriate loan.

The process of taking an online loan is very simple and hassle free. You just need to fill up an application form that hardly takes few minutes. The details of the application are then processed and then forwarded to the customer service representative for review. You need to submit your Credit report when asked for by the lender, which reflects your credit score and your credit history. The lender will then offer you with the loan options he finds suitable for you. Now it’s the time for you to decide what type of loan are you looking for and the payment your wish to pay monthly.

As a coin has two faces, it is the case with online loan too, despite of various benefits you get from it there are few disadvantages attached to it. When you apply for an online loan, you won’t get the personal touch that you get in taking a loan from a bank or financial institutions. You also can’t bargain with Internet lender.

Just a piece of advice for you to be on the safer side. Before you accept or even officially apply for an online loan, be sure that the lender is known and reputed. You can take the help of your friends, family members and colleagues.

Online Loans offer a variety of loan options to meet the needs and desires of masses. You can apply for this loan just by sitting in front of the computer. Don’t be in hurry, just go through various available online lending websites and look for the best deal. Good Luck!