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American Express’ Preferred Rewards Green Card (financial advisor)

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By Richie Lindsay

 Established in 1850, American express happens to be one of the oldest and most honored financial service organizations in the world. Also referred to as “Amex”, the concern excels in credit card, charge card and travelers’ cheque businesses. Credit cards from American express are known for providing unparalleled customer service and immediate purchasing power. Preferred Rewards Green Card from American Express is an exceptional Amex credit card.

The Target Group

Though Preferred Rewards Green Card from American Express is recommendable for everyone, yet it is ideal for those who can afford to pay the full balance every month to successfully skirt accumulation of credit card debt. This is because an accumulated debt leads to a very high rate of interest, which is inconvenient for an individual to pay later.

Key Characteristics

With no pre-set spending limit, the Preferred Rewards Green Card from American Express comes fee-free for the first year. It is not just the annual fee of the basic card, but fees for up to five additional cards are waived in the first year of card membership. After the expiry of the first year, an annual fee of $95 is charged for the basic card and $30 for each additional card.

Additional Benefits

Preferred Rewards Green Card from American Express is recognized in numerous places all over the world. This card provides several additional benefits like fraud protection, extended warranty for purchases, purchase protection, medical and legal referral services, roadside assistance, emergency cash replacement, auto rental as well as lost luggage insurance, emergency card replacement and a travel accident insurance up to a maximum of $100000.

Cardholders also get various Internet a/c related services and have easy access to the global assist plus hotline that proffers several assistances even when the holders are more than 100miles away from their home. At the year-end, all the cardholders receive a financial statement that carries all the minute details of the financial transactions.

The Reward Program

Merely signing in the card, inducts one into the reward program and the cardholder receives a warm welcome in the form of 5000 bonus membership rewards points (which can be redeemed right away). After this, one point accumulates for every dollar spent using the card and these points are redeemable towards fifty big names in entertainment and shopping, or for rewards from 21 airlines, over 50 cruise itineraries, hundreds of hotels worldwide, vacation packages and spa retreats.

This apart, the holder can transfer the points to eleven frequent flyer programmes at the rate of one point equated to one frequent flyer mile or frequent guest credit. It is mention worthy that there is no limit to the amount of points that can be earned and the points never expire on a Preferred Rewards Green Card from American Express.

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Buying Your Dream Home

By Richie Lindsay

 Lots of people are dreaming about that little cottage with the white picket fence or that modern apartment with a killer view or that fixer-upper in the country or…

The dreams are endless, but the idea is all the same - owning your own home is a major milestone in life. Many people fell like they can’t ever reach the day they move into their own home, but it is possible for anyone. All it takes is a lot of hard work.

Owning your own home is more than just the dream. There is a reality too it also. You have to consider the many responsibilities that come with it. Don’t jump into buying a home before you are ready. Make sure that all of your bases are covered first.

Here are five things you must do before you buy a home.

Create good credit

This doesn’t just prepare you for buying a home, but also for all of your life. You should start really concentrating on your credit long before you ever plan to purchase a house. Often, you may need at least a year to get to where you need to be. It could be longer if you have bad credit.

The main things that will help your credit score is paying your bills on time and using your credit wisely. This often means using it very sparingly. A poor credit rating will result in you being turned down or having to accept less beneficial terms - higher interest and less money.

Save, save, save

The biggest advantage you can give yourself is as much of a down payment as possible. This shows lenders that you are putting a serious investment into your home.

You should also recognize that you will have additional expenses in owning a home. A savings plan can help you to handle any hidden costs or unexpected expenses.

Make a budget

If you don’t already have a budget, you need one. Look at all of your expenses and decide how much you can afford for your new house. Don’t just include your mortgage payment, think about your insurance and taxes also. If you are moving further from work, include the difference in commuting expenses. You want a realistic budget. It will tell you how much you can afford.

Don’t forget that you will have utility costs and hookup fees, some maintenance, closing costs and moving costs. These are extra expenses that are easy to overlook.

Get help

Ask family members or friends what it is like to buy a home. They can be a great source of information. Everyone has a good story about what can go wrong. You can also ask for recommendations for lenders and realtors.

Become emotionally prepared

Finances aren’t the only thing that will stress you out. Emotions run high when buying a home. Be prepared and plan ahead. This is the best way to make the experience positive. Don’t set your expectations too high. If you are well prepared and ready to adapt to any possible changes, you will be able to buy a home and enjoy the process.

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Saturday, March 13th, 2010 at 6:30 am and is filed under finance. You can follow any responses to this entry through the RSS 2.0 feed. You can leave a response, or trackback from your own site.