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Balance Transfer to Bank of America Mexicana Airlines Visa Platinum Bank of America Mexicana® Airlines Visa® Platinum


Bank of America Mexicana Airlines Visa Platinum
Intro APR: 1.9%

 Issuer: Card issued by FIA Card Services, NA.
APR (Purchases): Intro Rate - 1.9% for six billing cycles. Goto rate is a variable risk based rate between Prime + 6.99% and P + 10.99%
Annual Percentage Rate (APR) for Cash Advances: 21.99% Variable * minimum 19.99% . (P + 15.99%)
Finance Configuration: Average Daily Balance (including new purchases)*
Annual Fee: $45
Additional Cardholders: $0
Grace Period: 20 Days (Min.)
Minimum Credit Limit: $500
Maximum Credit Limit: $20,000
Late Payment Fee: $19 for balances less than $100, $29 for balances $100 to $1,000, $39 for balances greater than $1,000
Over-The-Limit Fee: $35
Cash Advance Fee: 3%, $10 minimum
Balance Transfer Fee: None

Reward Program Details:

  • Earn one free Companion Ticket Coupon the first year, after first purchase
  • Receive a $99 Companion ticket Coupon annually, thereafter
  • Bonus Miles: 2,000 Anniversary Bonus Miles each year
  • 1 mile per dollar spent in net purchases
  • 2 miles for every dollar spent with Mexicana Airlines
  • Miles Never Expire
  • No Mileage Cap
  • 4,000 Welcome Miles when you join Frecuenta Loyalty Program
  • Travel available on Mexicana or any of their more than 15 partners
  • Most program materials available in English and Spanish

*See website for complete terms and conditions of card usage and application disclosure. *Terms and Conditions





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One question that is often asked as I speak with sellers of FSBO Real Estate is “Can one still sell FSBO in a slowing real estate market?” or “Can one sell FSBO when there is so much inventory on the market?” The answer is absolutely one can still sell their real estate FSBO. The only caveat is that it may not be as quick or easy as it has been the last few years. That holds true whether selling FSBO or with an agent.

Buyer psychology is changing as the market changes from a seller’s market to a buyer’s market. In 2005 buyers were nervous that if they did not buy soon the price would go up and they may be priced out of the market. In 2006 with more properties on the market and slower appreciation buyers do not feel as pressured to place an offer.

So with the market changing how does the FSBO seller overcome the quantity of inventory on the market and buyer psychology? The simple answer is exposure and pricing.

A few years ago it seemed like all the FSBO seller had to do was run a few ads in the local paper, put out a sign and wait for the buyers. Today, though local media and signs are still important, sellers need the exposure of the internet, personal face to face marketing, and unconventional marketing. One still needs to have a sign letting drive bys know your home is for sale. A local media campaign with ads that are informative and running multiple times is necessary. The internet with its FSBO web sites is a great marketing tool. It gives sellers the ability to describe their property, both with words and pictures. It gives buyers the ability to quickly and from the comfort of their homes or offices browse local real estate and real estate from around the world. FSBO Sellers have to let everyone know they are selling their homes. Remember co-works and acquaintances may not be in the market for a new home but they have friends that have friends. Some unorthodox marketing may consist of ads on local bulletin boards, flyers that are handed out at events, work place bulletin boards, and letting local real estate agents know that, though you are selling FSBO, you will work with them and protect their commission, if they bring a legitimate buyer. Many of the internet FSBO sites like FSBO Volusia have the ability to print brochures and e-mail copies of the ads. The key is to get creative and remember how much money selling FSBO is saving in commissions. Some of the savings should go to marketing while some can be used for competitive pricing while the balance can go in your pocket.

It is imperative that one prices their property fairly and competitively so that it does sell. Remember buyer psychology is changing and there are more homes on the market. The price that a given piece of real estate will command is determined by the market not by what the seller thinks the market should pay. In many instances a good start is to get a professional appraisal. Though this may cost a bit, it can be used to show potential buyers that the property is priced correctly and more importantly when it comes time to get a mortgage the buyer should have no problem with financing based on the selling price.

One can sell FSBO in today’s market with creative exposure and fair pricing.

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  • Transfer your balance to Bank of America Mexicana® Airlines Visa® Platinum

  • You have your fall product on the shelves. The back to school season is over. The holiday shopping season is just around the corner. You are struggling with ideas to keep sales solid in the runup to the holiday season. What to do?

    Remember there are thousands of choices available to consumers. Regardless of the uniqueness or other distinguishing qualities of your products, you must set yourself apart through the effective showcasing of your products. This is also known as visual merchandising.

    The goal of visual merchandising in retail store displays is to provide a glimpse of how the product will look or be used in a real life situation. The presentation of your display can have dramatic effects upon sales. Effective retail store displays not only increase customer traffic, but also increase the average ticket.

    Many retail store displays are disorganized, which can confuse or distract a customer. Make sure there is a central focus to the display - a focus point - upon which the "action" is centered. A focal point should be the main product or item featured, with accessories and ancillary products framing the display. The focal point should be at eye level - not too low, as is the case in many retail table displays, and not too high. If the display is not at eye level, it may very well go unnoticed by your customers.

    Be sure your display is balanced, with darker items (which are "heavier" to the eye) near the bottom of the display. This will avoid a sensation of the display being overly-laden from the top. Also ensure there is a left to right balance, emanating from the focal point of the display. Imagine a seesaw - you don't want one end of the display weighed down more than another - keep it even. Both the number of products and the size of the products should be taken into account when creating balance.

    Be sure to use proper lighting to avoid unwanted shadows or dark areas. Lighting from the top should be avoided, as should lighting from only one angle. An effective display will have light sources coming from multiple angles, to minimize shadows. The use of portable spotlights, floorlamps, or flexible halogen lighting is recommended. If using mannequins, make sure the faces are well lit and there are no unsightly shadows below the eyes and neck, or around the nose and lips. The only way to achieve this is through the use of source illumination from different angles.

    Don't overcomplicate the situation. Maintain the focus of the display and have your products layed out in a clear and intuitive fashion. Slatwall shelving should be neatly arranged, and uniformly arranged from shelf to shelf. There is no need to individually organize each slatwall shelf as a separate display! This actually gives the slatwall display a disheveled or "busy" appearance, which can create cognitive dissonance in your customers.

    Finally, be sure that the display is attractive from all angles, if multiple viewing angles are possible. This would be especially important in a window display that is also viewable from the store, or a display set in the middle of a showroom. Walk around the display, noticing the lighting, balance, and coloring from each angle. Make adjustments as necessary, so that your retail store display is visually appealing from all angles.

    About the Author: Ron Maier is the Vice President of S & L Store Fixtures, a leading provider of retail store displays, including slatwall accessories, mannequins and more. For more information, please visit www.slstoredisplays.com.


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