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Balance Transfer to Bank of America Platinum Plus Visa Card Bank of America Platinum Plus® Visa® Card


Bank of America Platinum Plus Visa Card
Intro APR: 0%

 Issuer: Card issued by FIA Card Services, NA.
Start building a solid credit history with

Visa® Platinum Plus®

Value and pricing
  • No annual fee
  • 0% Introductory APR on purchases, balance transfers, and cash advance checks for your first 6 billing cycles†
  • After your introductory APR expires, you will receive a variable APR on purchases, balance transfers, and cash advance checks currently Prime + 2.99% for Platinum Plus® accounts or Prime + 12.99% for Preferred accounts. Please note that you will lose your introductory APR if you exceed your credit limit, close your account or are late with a payment.
  • All payments you make will be applied to lower rate balances first
  • No fees on balance transfers
  • Credit lines as high as $25,000
Platinum Plus benefits
  • Online Banking service***
  • Total Security Protection®, our free package of security features, including zero liability from unauthorized card use if you notify us promptly***
  • 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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Residential investment property has gained immense popularity over the past decade. Owing to the increase in demand for rental accommodation, and the resulting rise in rental income, more investors are likely to dive in the residential property business. However, not all residential properties are profitable investments, and some investors might lose money if they don’t choose with discretion. When you set out to purchase a residential investment property, your key intent should be to leverage, in order to cut down on personal costs, and to acquire an income generating asset. Typically, you should invest in a property whose rental income will cover its entire mortgage and operating expenses. Such a property is said to be “self-funding”. Once the mortgage is repaid you have two options – you may continue to reap the benefits of a steady rental income, or you may sell the property at market value (provided the property has experienced appreciation) and invest elsewhere. In general, there are two primary sources of income from any residential investment property: yield and capital gain. Yield is the expected annual rental return, which is expressed as a percentage of the purchase price. For instance, if the purchase price of a property is $100,000 and its expected annual rental return is $8,000, yield is said to be 8%. The yield, in combination with the terms of the mortgage, determines the personal expense on the part of the investor, in order to acquire the property. Capital gain is the appreciation in value of a property. Or in other words, the profit accrued from selling an asset. It is expressed as growth rate in percent on an annual basis. Capital gains are generally estimated from the movements in average property prices. It is wise to analyze both the capital gain and yield potential when selecting a residential investment property. The typical problem faced by you as an investor would be that high yielding properties normally offer low capital gains, and vice versa. You should strike a balance between yield and capital gain, such that it best suits your investment goals. What constitutes the right balance depends on your expected capital gain and yield. It is recommended that your expected returns from a residential investment property be based on a comprehensive analysis of current trends and market conditions. It isn’t advisable to rely on intuitions when scads of money are involved. On the whole, a residential investment property is a viable investment option if the returns meet your expectations, and exceed those attainable from other possible sources of investment. Copyright © 2006 Joel Teo. All rights reserved.







  • Transfer your balance to Bank of America Platinum Plus® Visa® Card

  • “If you don’t follow the stock market, you are missing some amazing drama.” -Mark Cuban

    Everyone makes mistakes but that does not mean you have too. Mistakes occur because investors do not have always the time and experience to make the right decision. Some mistakes are missteps of the investor and other times it is a random event caused by the motion of the stock market. Regardless, it is advisable to avoid mistakes if at all possible. Below are several tips and techniques which will help you learn how to invest and what good investments are.

    A highly successful investing venture may have a return of 10%. To get a return of 10% you are going to need to have a wide range of investment vehicles. This is called diversification. Many investors will find a single stock or corporation and hold many shares of the same stock. The problem is that if that stock does not do well you have no other investments which can balance that loss with growth. To make money in the market you should have at least 20 stocks in different industries and businesses. There are financial professionals and brokers who will advise investors to hold only 6 stocks in different companies. You can make a profit with being less diverse if you have experience, make great choices, and time the investment correctly. The problem is most people are not perfect investors. It makes more sense, especially for casual investors, to be as diversified as possible.

    Be patient and if you aren't, learn how to be. Investing in the stock market is a long term process and while securities may go up and down daily, weekly, and even yearly – over extended periods of time the market is always increasing. For example the worse one year returned in the last 50 years was been -25% (just after the second world war). This number is pretty scary but let's examine larger periods of time. The worst 10 year returned was 2%. The worst quarter century return was almost 8%. The longer your money is invested, the larger your rate of return will be, and the more profit you will make.

    Learn about and use dollar average investing. Dollar average investing means that you buy stocks at regular intervals but for a set amount of money. If your set amount of money is $50 dollars, and the share price is $5, then you buy 10 stocks. If your set amount of money is $200, and the stock price is $100, then you buy 2 stocks. This is a great way to make sure you buy more stock when the price is low and less stock when the price is high. Dollar average investing is great for new investors who may have difficult in knowing what their limits are.


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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.