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Balance Transfer to Blue Cash for Business Credit Card Blue Cash for Business Credit Card


Blue Cash for Business Credit Card
Intro APR: 0%

 Issuer: American Express
  • Up to a 5% cash rebate
  • 0% introductory APR on purchases during your first 15 months of Cardmembership
  • No Annual Fee
  • Built-in smart chip for internet security
  • No limit to the cash rebate you can earn

Access to the OPEN NetworkSM

OPEN: The Small Business NetworkSM is one place that's all about small business. It gives you the relationships and resources to help you run your business, including:

Financing

Get 2 fee-free Additional Cards, 0% APR for the 1st six months, and pay no annual fee.

Savings
Receive ongoing savings at FedEx®, Kinko's® and Staples®.

Online management
Manage your account with the Small Business Dashboard, track charges with Expense Management Reports, and access Dun & Bradstreet credit services.

Community
Chat, pose questions, get insights from other small business owners, and attract new business.

Advice
Ask an expert a question, use an online tool, and read articles by other business owners.

American Express® Cardmembership Benefits

Insurance protection
Protects you with comprehensive insurance coverage for your purchases and piece of mind when you and your employees travel.

Access to cash
Access to cash at over 500,000 ATMs.

Emergency services
Assists you with emergency card replacement, check-cashing, and hotel check-in.

Customer service
Provides help 24 hours a day, 7 days a week.





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Credit repair and eliminating your credit card debt does not mean that you have to hire an expensive credit repair service. In fact, if you want to fix your credit you can do it yourself for free. I cannot promise that it will be easy but despite the glib promises made by professional services those are not easy either.

Do not sign a contract committing yourself to an expensive credit repair service. Do not buy any books or software to help you fix your credit. Instead focus on three simple and free steps to rid yourself of bad credit.

First, go the root of the matter. Run your credit reports, every consumer gets a free credit report from the three major reporting agencies every year. Plus if you have had a credit application denied recently you can ask for a report at that time. You do not need to pay for your credit report or join a program to get access to it. This will give you a good picture of your credit situation but you should also collect the recent statements from each of your creditors. Not only will these give you valuable contact information for the next two steps but it usually offers the most up-to-date information regarding your payments, balance, and interest rates.

Once you have summarized your situation it is time to move on to step two which is simple -- empty your wallet of credit cards. Cut them up and throw them out, but then you need to take another important step. Close those accounts and do not sign up for any more cards until your credit is once more good. If you continue to add to your debt then you will not solve your problems.

The final step to repair your bad credit and eliminate your credit card debt will take the longest and involve the most hard work and stress. Now you will need to make a plan of action. The first step is to stop making any payments on your credit cards. Now, set aside the money you would use to make those payments for a few months. When the credit card companies start calling about your delinquent payments be polite but be clear that you cannot pay the bill at this time although you are working on a plan to clear your debts. Tell them not to call again until next month. Minimum payments will never clear your debt and it is best to consolidate the money until it matches a sum that will be able to do you the most good. Once you have enough money to pay about one-third of one of your bills (assuming a few months have passed) then call the company and offer your one-third payment. Some companies might jump at that settlement and others may negotiate for a while. It is very likely that through standing firm, consolidating your payments, and waiting them out that most of your creditors will settle for half or less (on average).

You can do your own credit repair and eliminate your credit card debt without outside help with these three simple steps. Simply summarize your situation, empty your wallet, and work the phones. You can do it.


  • Transfer your balance to Blue Cash for Business Credit Card

  • In the course of 2006, the Dow Jones Industrial Average has gained about 12% and the S&P 500 index is higher by nearly 10%. Institutional investors are expecting that falling oil prices and the pause in interest rate hikes by the Federal Reserve will offset the downturn in the housing market. Their optimism has lifted the Dow Jones average to all-time highs and the S&P index recently posted its best third quarter since 1997. The positive performance of the stock market’s two leading indicators is also setting the stage for several other market indexes to post yearly gains for a fourth consecutive year. Furthermore, since the bear market officially ended in 2002, there are a number industry sectors that have outperformed the both the DJIA and the S&P 500 annually. This is in part, the result of the exceptional gains made by small company stocks, equity real estate holdings and global securities.

    As we head into the new-year, any rise in inflation resulting from a rebound in oil will no doubt raise concerns of a slowing economy and may cause the stock market to pull back. Nevertheless, stocks should continue to outperform cash, bonds and real estate. However, with many stocks perched near their multi-year highs, any garden-variety geo-political event could certainly rattle the epileptic nerves of the investment community. Such news may increase the market’s volatility and result in a rotation into more conservative, defensive and large company stocks. Indeed, unlike most market rallies since 2000, large company stocks led the way in the market’s most recent rebound.

    Right now, the stock market is four years into a bull market, which started in October 2002. According to the averages, bull markets typically last about five years. Because the market is poised to finish its fourth year in positive territory, odds are, that at the end of next year the market will also be higher. Historically, equities have gained 10 percent in the fifth year of bull market rallies. This scenario would include very little inflation and steady, but still positive, economic growth.

    Therefore, in 2007, investors may do well to consider high quality, dividend paying stocks, as well as shares of companies with potential for growth in the global arena. There are still many investment opportunities internationally, where valuations are lower and a weaker U.S. dollar can enhance returns. Additionally, investors should consider mutual funds with exposure to commodities. Though the easy money in this sector is already in the bank, there is still the prospect that both China and India will increase consumption of basic materials as their economies continue to expand. Furthermore, since commodities are not correlated to the U.S. stock market, this strategy provides additional portfolio diversification.

    Investors that are willing to take an optimistic view of 2007 may want to consider industries that have historically performed well during sustained periods of economic growth, such as the technology sector. While Wall Street has focused lately on the Dow's new record highs, it might be a surprise to learn that during 2006 technology stocks have actually underperformed the Dow Jones Industrial Average. The tech-heavy NASDAQ 100 index has returned about seven percent through the end of October. Compare that with the DJIA’s 12.7 percent gain. In fact, the NASDAQ index remains more than 50 percent below its all-time peak.

    After more than seven years of being out of favor, many technology stocks are trading at attractive valuations. Additionally, this sector is generating significant cash flow, which is now resulting in improved balance sheets with very little debt. Furthermore, some of these companies have even started to pay dividends.

    After years of cost cutting, many of largest U.S. companies are sitting on piles of cash and are planning to increase their technology expenditures to increase productivity. Since 2004, IT spending as a percentage of our economy, is gradually improving and is likely to move higher. Therefore, should economic growth in the U.S. begin to slow, the technology sector would be one of the few places where investors can get accelerated growth.

    Currently, many large manufacturing companies are buying important new semiconductor products that were not available just two or three years ago. For example, several smaller technology companies now make processor companion computer chips that enhance performance by increasing memory and extending the battery life of components within cell phones, cars and home appliances.

    The positive news surrounding the technology sector has recently gotten the attention of Wall Street. Even a number of value-oriented mutual fund managers, who have historically avoided technology stocks, are starting to increase their holdings in the technology sector. According to a recent survey of money managers by the Russell Investment Group, 56 percent are now "bullish" on technology stocks, versus just 18 percent who say they are "bearish" on the sector. As we look ahead to 2007, the investment community appears more optimistic about the technology sector than about any other group except healthcare.

    Gregory Solomon is a registered investment advisor and the principle owner of Solomon Asset Management; Colorado Springs, CO. Greg is also a leading investment consultant responsible for the equity research at one of Worth Magazine’s Top 100 Wealth Advisors. For more information on Solomon Asset Management, please visit www.solomonam.com Individual investors can also contact Greg at solomonassetmgt@msn.com

    The opinions in the preceding commentary are as of the date of publication, are subject to change based on subsequent developments. This material is not intended to be relied upon as a forecast, research, or investment advice and should not be considered a recommendation to purchase or sell securities.

    Copyright © 2006 by Solomon Asset Management All rights reserved


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  • 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.