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Bank of America Financial Rewards Visa Platinum Plus

Card issued by FIA Card Services, NA.
Earn points towards cash back
Mini Card available
0% for 6 billing cycles on balance transfers and cash advance checks with a 3% balance transfer fee ($10 min.)
Earn 5 bonus points with your first purchase.
Points do not expire for 5 years
Online Banking Service
Total Security Protection®
No Annual Fee

EARN POINTS FOR CASHBACK with the
Financial Rewards® Visa® Platinum Plus®
Key benefits
* Earn 1 point for every $100 you spend in net purchases per billing cycle (up to 600 points per calendar year)
* Receive 5 bonus points after your very first net retail purchase
* Receive another 5 bonus points for every $2,500 in balance transfers per billing cycle (up to 25 per billing cycle)
* Points don't expire for five years
* When you redeem, one point equals one dollar
* Receive your rewards in the form of a check written directly to you or a direct deposit made to your Bank of America checking or savings account
Pricing
* No annual fee
* 0% for 6 billing cycles on balance transfers and cash advance checks with a 3% balance transfer fee ($10 min.)
* After your introductory rate expires, you will receive a variable APR on purchases and balance transfers, currently Prime + 5.99%. Please note that you will lose your introductory rate if you exceed your credit limit or are late with a payment
* All payments you make will be applied to lower rate balances first
* No balance transfer fees
Platinum Plus benefits
* Online Banking service***
* Total Security Protection®, our free package of security features, including zero liability from unauthorized card use***
* Travel and emergency assistance***
* Automatic auto rental insurance***
* Purchase Replacement***
* Purchase Guard***
* Cash advance checks at no extra charge***
* Additional cards at no extra charge
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DID YOU KNOW?

	"Content is King" is a popular saying among Internet Marketers hoping to make a fortune off of article-based websites, but how do you really create a good website that will allow you to make money when you work from home? Article based sites, generally coded with affiliate based content-driven ads from suppliers such as Google with their Adsense program, are the "newest thing" in the online marketing arena. Everyone is hoping to grab their fortunes utilizing this style of website, but the real question is "How do you really make money?" If you go to popular websites such as eBay and look up the term "work from home" or "adsense" you will undoubtedly find hundreds (if not thousands) of work from home "opportunities" that you can purchase for anywhere from $30 - $30,000. How do you know which ones are worth buying, and better yet, how much of "an opportunity" is it if you have to buy it? It is important when you evaluate a work from home program, you do your research, whether it be an Adsense site, selling communications products, or even sellingcandles (this is a great money maker by the way - see www.dnocandles.com). The primary focus of this article though, is utilizing content to create a content-driven site that will make good money utilizing adsense. There are literally hundreds of books on the subject of Adsense alone, but all you really need to know is how to write a good article (great tips at www.essayprofits.com). If you have ever looked through eBay at the work from home opportunities utilizing Google's Adsense program, you have seen hundreds of sites all claiming to be "new to ebay" or "the newest thing" or some other tagline sales pitch. The truth of the matter is, they are all a waste of money! You heard it here folks. Take it from someone who is making in excess of $5k a month just off adsense alone - I have never made a dime off some pre-fab adsense site bought from eBay. The simple truth is that these sites sold at auction are oversold which leads to saturation in the market (meaning there are too many of the identical site). Once Google sees a few identical sites, it will drop them all as "dupes" (short for duplicates). These sites, after selling about 20-30 copies, basically become garbage. So how do you make money with adsense then? In order to get quality traffic to your site, you need to write your own content and think "outside the box" to get visitors to your site. There are many ways to do this and by talking to experienced marketers, you too could be making serious cash with content-driven sites. To talk directly with successful adsense marketers, come join the forums at the link below. Not only will you gain valuable insight to the marketing world, you will also have the chance to have your questions answered directly by the people making good money with adsense already. If you are ready to take your sites to the next level and be able to work from home full time, come join us today, get that insight, and get free stuff just for being a member!

If you are a homeowner looking for a 2nd mortgage or wanting to refinance your existing mortgage you’ll need to find a good mortgage lender. The Internet has simplified the process of getting a great mortgage loan. Here are some tips to help you find a reputable mortgage lender using the Internet.

Talk to Your Friends about Their Mortgage Lenders

Many of your friends and neighbors have already used the Internet to refinance or take out a 2nd mortgage. Ask these people how the process went for them and what recommendations they have for you. Referrals from people you know are a good way to learn about the good and bad experiences different people have had with different mortgage lenders and brokers.

Mortgage Brokers and Lenders Don’t Have Your Best Interests at Heart

A predatory lender is anyone trying to take advantage of a homeowner and their mortgage loan. Mortgage brokers are notorious for this. Brokers are in their business to make a buck; the loan they may be pushing you to accept may simply have a kickback for them. Often, the points you are being required to pay at closing are simply a bonus for the mortgage broker. Don’t fall for high pressure sales tactics or a fast talking snake oil salesman. Some lenders tack unnecessary mortgage fees on their loans and lie or withhold information from the borrowers. These practices are illegal; however, that does not seem to deter many lenders and brokers. Carefully review all of the fine print associated with a loan and ask questions about the fees. If you think you smell a rat, you probably do. Mortgage brokers and lenders are a dime a dozen, take your business somewhere else.

Check With The State and Better Business Bureau

Mortgage lenders and brokers are required to be licensed in the States they operate. Make sure your lender or mortgage broker is legitimate and properly licensed before doing business with them. Any mortgage broker or lender that has allowed their license to lapse is a warning sign for you to take your business elsewhere. There are consumer protection organizations such as the Better Business Bureau that can help verify credibility. These organizations maintain records of complaints against unscrupulous mortgage brokers and lenders. Do your homework and shop around for your new mortgage and you will avoid being taken advantage of by predatory mortgage brokers and lenders.