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Wyndham Rewards Mastercard

13 points for every $1 you spend on qualifying hotel stays - when you use your Wyndham Rewards MasterCard credit card at these participating hotel brands.§ Wyndham Hotels & Resorts, Ramada, Days Inn, Super 8, Wingate by Wyndham, Baymont, Howard Johnson, Travelodge (US hotels only), Knights Inn and Amerihost Inn.
2 Points for every $1 you charge on all other purchases§
0% Introductory Annual Percentage Rate (APR) for Cash Advance Checks and Balance Transfers through your first 12 billing cycles* (subject to a 3% transaction fee, no less than $10).
No Annual Fee
24 hour Online Access
Complete Fraud Protection
Credit Protection Available

More Ways To Earn
More ways ro reward yourself.
13 points for every $1 you spend on qualifying hotel stays - when you use your Wyndham Rewards MasterCard credit card at these participating hotel brands.§
Wyndham Hotels & Resorts, Ramada, Days Inn, Super 8, Wingate by Wyndham, Baymont, Howard Johnson, Travelodge (US hotels only), Knights Inn and Amerihost Inn.
2 Points for every $1 you charge on all other purchases§

• 0% Introductory Annual Percentage Rate (APR)† for Cash Advance Checks and Balance Transfers through your first 12 billing cycles* (subject to a 3% transaction fee, no less than $10).


• No Annual Fee


• 24 hour Online Access


• Complete Fraud Protection


• Credit Protection Available

DID YOU KNOW?

	Inflation starts growing again in a lot of countries. The monetary authorities tend to increase the interest rates in US as well as in EC. Many employees complain that their salaries do not keep pace with the inflation. It’s good to think about cutting the costs of every day’s life. What Are the Main Expenses? The main expenses of families usually are housing, insurance and transportation in their budgets. Tax Expenses cannot be influenced by people who work as employees. Energy expenses increase worldwide and this tendency is going on during the next years. What can be done to keep these inevitable expenses low in order to spare money to fulfil your wishes? Housing You need to draw regular comparisons among the different mortgage rates. Can you find a bank that provides you with more favourable mortgage rates after the expiration of your contemporary contract? Insurance, Health Expenses You need to do the same with your different insurances. Many people suffer because of the increasing costs for health insurance. You also can ask your doctor to prescribe the cheaper generic drugs instead of the expensive original pills. The generics are as effective as the original trade marks for fighting most of the widespread diseases. Transportation, Energy Fuel costs are going to increase worldwide. It is recommendable to buy cars with low fuel consumption. You can save a lot of money, in particular if you need to drive long distances for your way to work, college or shopping. It’s better driving in a steady and quiet way instead of racing. This also helps you saving fuel and expenses. Most of the industrialized countries produce electricity with oil or gas. The prices for power are going to increase because crude oil and gas get expensive on the world market. You need to buy machines and appliances with low power consumption. Do not let your machines run at the stand by mode. It absorbs a lot of power and costs. Fill your laundry machine fully if you wash your cloths. Shopping Use all the opportunities of discounted offers at the super markets. It’s better to buy new dresses if the prices get discounted after the main season. You also can get fine dresses of famous brands then, sometimes up to 50% cheaper. By the way: A lot of consumer tests show, that famous brands do not always perform best. The cheap imitation produce of a super market chain does often show the same or even better quality. Fulfil Your Wishes You can save some nice money if you follow the hints above. You can afford to buy something nice for your partner, friend or children. You can eat in a fine restaurant. You can enjoy a weekend in a leisure resort with your family. You can do what you like and you get more free choice.

We're in a very strong seller's market here in Calgary! The past few months have been frustrating to many hopeful home buyers. There are too few homes available, and the good ones are snapped up in a hurry! There are usually 6000 + resale homes on the market at any time. As of January 1st, 2006 there were 900 homes for sale.

Recently I heard of a case in Silver Springs where the sellers received 33 offers on their home in 4 days! What chance do you have to buy a really nice home in a market like this?

. Here's what I've learned about how to succeed in this kind of market. I call these rules "The Seven Seller's Market Strategies!"

RULE #1 - PRE-APPROVAL

Do you want to get the best house you can for the least amount of money? Then make sure you are in the strongest negotiating position possible. You see, price is only one bargaining chip in the negotiations, and not necessarily the most important one. Often other terms, such as the strength of the buyer or sale of their existing home are conditions critical to a seller.

In years past, it has been recommended that buyers get "pre-qualified" by a lender. This means that you spend a few minutes on the phone with a lender who asks you a few questions. Based on the answers, the lender pronounces you "pre-qualified" and issues a certificate that you can show to a seller. Sellers are now aware that such certificates are WORTHLESS, and here's why! None of the information has been verified! Oftentimes unknown problems surface! Some of the problems I've seen include recorded judgments, child support payments due, glitches on the credit report due to any number of reasons both accurately and inaccurately, down payments that have not been in the clients' bank account long enough, etc.

So the way to make a strong offer today is to get "pre-approved". This happens AFTER all information has been checked and verified. You are actually APPROVED for the loan, the only loose end is the appraisal on the property you want to buy. This speeds up the process considerably and may give you the competitive edge.. Now it's like having cash to take to the seller! In a situation where the sellers have several offers to choose from, they will choose the offer from a buyer that's PRE-APPROVED.

RULE #2 - BETTER THAN DAILY SEARCH

When you first start looking, it's possible that there will be nothing available that you like. So then what? Your agent should then begin hunting for you and watching for new listings that match what you're looking for. Your agent should be checking at least once a day and preferably more often.

There have been cases recently where a house was listed on MLS and received an offer before MLS had time to put the listing online. See if your realtor has a computer program that alerts him or her whenever there is a new house on the market that meets your requirements. They can fax, email, or call you immediately with the information. You'll be there before other buyers even know about it!

RULE #3 - SUPER SPEED

As soon as a listing hits the market, it becomes a race. Who can get there the fastest? In this market, you need to be prepared to drop everything, leave work, or do whatever it takes to go see a property. It sounds extreme, but I'm very serious about this. Time is of the essence. Don't think that you'll take a look at it this weekend. It could be sold by tonight.

And be prepared to make an offer on the spot. That means bring your chequebook and be mentally ready to make a decision. Some realtors are now printing up offers when they visit a home and filling out the amount in the car. Offers can come in minutes apart. The fastest buyer wins out.

RULE #4 - NO COUNTER OFFER

When we make an offer, we'll make it with the intention that the seller will accept it. We don't want to get a counter if at all possible. If the seller counters us, then there's a very good chance another offer will come in before we can accept the counter.

For this reason, we try to make the offer as palatable as possible so the seller can accept it right away. This means we give the sellers their choice of services, avoid all contingencies, and steer clear of any terms or conditions out of the ordinary. I used to think that by trying to get "a little extra" out of the sellers for my clients, I was doing a good job for them. And in the past, that idea worked. But try that now and you lose the house altogether.

At first I struggled with this, and I felt that by giving the seller everything they were asking for, I wasn't being a very good negotiator for my buyers. But I got over it. Doing a great negotiation and losing the house isn't good service. Telling the truth about what it takes to win in this market is the kind of service you want.

RULE #5 - THE PRICE

Better sit down for this one. The asking price used to be the price the seller hoped to get, and the one that offered closest to that price bought the house. That's no longer true. Now the asking price is the MINIMUM price, the base price to begin making offers. It's the minimum bid if you will, the starting price at the auction. Make no mistake, for a hot property in a hot location, there will be multiple offers, and they will be more than the asking price.

RULE #6 - BEST OFFER

Buyers have lost a property by offering less than the asking price. The sellers accepted the other buyer's offer over yours, even though they were both for the same price. Why, you ask? Because the other buyer's offer was higher than ours originally.

Now I know that this makes no sense. The bottom line is the same, so why does it matter whose offer was better originally? I'm not a psychologist but I know that it works.

RULE #7 - THE BIG PICTURE

Now I know that all this sounds like we're rolling over and playing dead for the seller. We're giving them everything they want, and then more. But we'll have the last laugh. We'll be laughing because we bought a great house in a rising market, beating out the other buyers! Is it really a big deal to pay a couple thousand more when the house will be worth 20 or 30 thousand more next year?

The Calgary market is appreciating at anywhere from 10% a year right now. That means that if you don't buy the house and it takes you a month to find another one, the price will be a few thousand higher anyway. So are you really paying too much? It's all in how you frame it in your mind. Don't think you're losing when you pay over the asking price, you're actually winning. Next year you'll look back and say what a genius you were for making such a smart move.