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Balance Transfer to New Millennium Bank Platinum Visa MasterCard New Millennium Bank Platinum Visa®/MasterCard®


New Millennium Bank Platinum Visa MasterCard
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 Issuer: New Millennium Bank
New Millenium Bank can approve you for up to $10,000** in secured credit with no credit check!
  • VISA or MasterCard option
  • FREE Companion Air Fare
  • When you apply for an NMB PLatinum Card!
Most often secured credit cards do not have any additional perks or benefits; however, this card does provide several benefits including auto rental insurance, up to $100,000 in travel accident insurance, and an extended warranty for purchases. The card also provides cardholders with a free membership to TheWorldsBestTravelClub.com, which offers discounts on a variety of travel services. Perhaps the best benefit is the free companion air ticket, which is awarded to the cardholder after they have been approved for the card.





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There are many who scoff that politics should have much to do with investing. When selecting ETFs, I look at several factors such as fundamentals of companies in the ETF basket, capital flows, technical factors, macro indicators, currencies and so on. But the direction of market reforms which is what politics is all about sometimes rises to the top. Think of the Reagan led Republican sweep in 1980 and the significant tax cuts and market reforms in Ireland and Australia which preceded their strong economic growth and sustained bull markets.

Sweden is just such a case with a key election on September 17th. For 65 of the last 74 years and the last 12 years, the center -left Social Democrats have been in control but the center-right opposition led by Mr. Fredrik Reinfeldt is mounting an effective campaign for change. The issues of deregulation, tax cuts, privatization and job creation are leading his reform agenda.

In January, Ericsson’s CEO Carl-Henric Svenberg announced his support for change and other key Swedish industrialists have followed suit. Sweden’s public sector accounts for 30% of its total workforce (15% in US and EU) and the state oversees 57 businesses with a market value of $70 billion while employing 200,000 people. There was some deregulation of the telecom, auto and banking sectors in the 1990s which led to good growth but this time the impact and stakes could be much higher.

The Kingdom of Sweden, with a population of 9 million and area exceeding that of California, has many attributes which investors should appreciate. King Carl Gustav (no relation) has reigned since 1973 over a well educated citizenry. It is blessed with ample natural resources like iron ore, copper, gold, timber, lead, zinc and hydro power but 70% of its economy is driven by services. Sweden’s per capita GDP is $30,000 and it has a balanced budget surplus, current account surplus, opted out of euro in 2003 and a vigilant central bank (Riksbank) which is targeting an inflation rate of 2%. Sweden’s stockmarket is also reasonably priced at 12.2 times earnings.

We have had the Swedish ETF (EWD) in some portfolios for some time with positive results. This year it is up 14% and over the last 12 months 19%. Ericsson accounts for 21% of the basket with quality companies like Svenska, Sandvik, Volvo and Atlas Copco all top ten holdings that readers might be familiar with. Capital good, technology and banking each contribute about 20% of sector exposure.

Below is a point and figure chart for (EWD) and some commentary provided by Don Smith, President of go2mypv.com.

I also recommend some exposure to the Swedish Krona which I think will marginally outperform the Euro. Rydex has an ETF (FXS) which tracks the Krona.

The ruling Social Democrats led by Prime Minister Goran Persson are fighting back furiously raising fears of radical change and attacking venture capitalists for calling for change at companies like Volvo. Given Mr. Reinfeldt’s assurances of moving smartly and incrementally and his strong and broad support amongst the business community, his party will be victorious.

Don’t wait until the election later this week, act now.


  • Transfer your balance to New Millennium Bank Platinum Visa®/MasterCard®

  • Have you ever though about how are you going to pay for your dream boat? Well, the first answer that will come in your mind will be LOAN. It may not be the best way but it sure is the closest thing people could think of in our desire to buy a luxurious possession.

    Always remember, In loaning a boat, a smooth and calculated process is required. Here are five things you would like to consider when loaning a boat.

    1. Review credit history

    Credibility matters ion loaning activities. Bonds get closed out of trust and if you do not have a good credit history might as well delay the boat purchase.

    2. Identify financial source

    The boat dealer handling your transaction may finance a percentage of the price if it has a financing arm or partner. Otherwise, there are other options such as right through your own bank account or finance companies.

    3. Scrutinize, scrutinize, scrutinize

    Before arriving at a final decision, scrutinize every detail of the loan program including the services of the financing company you availed of. Check the loan amount, the rate for down payment, and its terms and conditions.

    4. It would be helpful to compare loan types too.

    There are various loan types. The simple ones have fixed-rate and fixed term interest loan. With this you have to pay in a monthly basis.

    Another type, variable rate loans, has floating interest rates reliant on indexes of interest rates. An example is the LIBOR rate which will charge lower rates at first but it will vary daily or in months or years. In this case, as borrower, you must be able to predict or calculate the possible changes.

    There is also what we call balloon payment loans. This type would require the entire balance to be paid when the stated term comes to an end.

    5. The last thing or person you have to scrutinize is you. Reassess whether the rate and payment method will work for you and your resources. Make sure that the agreements fit your budget.


  • Raise your credit score with a help of Credit-Rocket! Read the Chase credit card reviews
  • Tired of high charges? Find the best database for credit cards! Read the fine print and find the Annual Percentage Rate (APR). This is the interest rate the companies charge you if you carry a balance. You want the lowest rate possible; as each percentage point drop will save you money on the months you have an outstanding balance.