The Blue from American Express

Today, the use of credit cards has become so common that almost all people apply for the different offers of credit card companies. There are actually a lot of credit card companies competing in the market. Consumers can either apply in person at the offices of credit card companies or apply online through the internet. One of the known credit card companies is the American Express Co. The American Express which is also known as Amex ranks 174th in the list of the largest companies in the Fortune magazine. The brand worth of American Express is at US19.64 billion.

Around the globe, the American Express Co. operates in over 130 countries and offers a number of credit cards to cope up with the different needs of the consumers who include businessmen, students and working people. The available credit cards of the American Express are Blue from American Express, Blue Cash, Blue for Students, Blue Sky from American Express and Clear from American Express. After the Blue, American Express has developed other credit cards with different credit packages.

Among the different credit cards from American Express, the Blue from American Express, Blue Cash and Blue Sky from American Express have the highest number of clients. These are the top three credit cards offered by American Express.

In 1999, the American Express introduced the Blue from American Express. It became popular among young adults. The Blue from American Express carries out several benefits and incentives which includes zero annual fees, a competitive zero percent APR within fifteen months and a grace period of twenty days. Once the introductory APR period expires, the regular APR will be 11.99%.

In getting additional cards, there is no need to pay any fee and the benefits and incentives may be shared with other people like family members and friends. The nice thing about this is that it is free of charge. The balance transfer in fixed at 3.99% until the balance is paid in full. The credit limit of the Blue from American Express is at one hundred thousand dollars.

Under the Blue from American Express, card holders can sign up for the Free Credit Reward Program. The way this reward program works is that for every dollar spent, the consumer is given one point. These points will be accumulated and can be redeemed for travel awards, entertainment, retail and other purchases.

A great feature of the American Express is that is can give its clients and the card holders various protections. They have a fraud protection that can guard the consumers from unauthorized transactions. It also has a return protection plan that lets the clients return any purchased item within ninety days. The American Express can refund the client the price of the item. The items are also protected from damages within a ninety day period.

With this kind of credit card, the consumers will surely be satisfied with their credit. When looking for the best credit card in town, remember the Blue from American Express. It does not only let you purchase the things that you need but also it gives rewards for usage of the credit card. The consumers will definitely benefit much from this kind of credit. For more details on the Blue from American Express, the consumers can browse the website of American Express.

Mario Churchill is a freelance author and has written many articles on various subjects. For more information on blue american express [] or to get a american express blue card [] checkout his websites.

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Debt Consolidation Reduction American Shares Tips In Beginning A Company With Limited Funds

Los Angeles-Long Seashore, CA (PRWEB) April 15, 2015

Debt Consolidation United States Of America shared in a recently published article one of the primary difficulties of people that like to up up a small business face. The article titled Can You Really Run A Small Business With Limited Funds? shows just how business-minded men and women can flourish in starting a business enterprise even with minimal funds.

The content starts off by pointing away that the majority of men and women goals of getting into a business venture for many reasons. You will find those who are sick and tired with being a member of staff and wants to start becoming the supervisor. For some, it really is an outlet of these skills and abilities while for others, they simply want a faster way-out of financial obligation as well as in attaining their monetary desires.

But lots of people would not have sufficient cash to begin up a small business and this is when the article comes in to assist. It stocks that it’s vital that you have a notable idea just how much consumers need to start business rather than pull the number off nothing. There needs to be a company program behind the venture to see capital expense and future profitability and.

The article additionally shares that as the company is already ready to go, owners must make a mindful effort to keep the expense costs down specially throughout the first few years. This can help keep a beneficial cashflow for the organization and that can be as easy as keeping the lights down during breaks plus controlling the AC within the workplace.

If nonetheless brief on funds, the article shares that folks can ask their particular immediate and even extensive family for monetary help. It is because the terms are a lot better than running to a bank for a business loan. Although searching for a business financial loans from exclusive financing institutions remains a viable alternative, relatives might be more sympathetic when requested assistance.

To see the total article, click this link:

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As 2014 Comes to a Close, American Consumer Credit Counseling Reveals the Top 5 Money Must-Dos Before the End of the Year

Boston, MA (PRWEB) December 18, 2014

As the end of 2014 quickly approaches many consumers will begin to think about the year ahead and what goals they have for their financial future. According to a recent survey by Allianz Life Insurance Company of North America, 40 percent of Americans have identified managing money as their top goal for the coming year. But before those consumers start looking to 2015, there is still time this year to tackle those end of the year financial tasks and help to ensure a New Years resolution success. To help with the process, leading financial education nonprofit American Consumer Credit Counseling has revealed the top 5 money must-dos that every consumer should consider before closing the books on 2015.

The start of a new year provides consumers with the unique opportunity to set new goals or recommit to old ones, and this is especially true when it comes to finances, said Steve Trumble, President and CEO of American Consumer Credit Counseling. Unfortunately, many consumers wait until the last minute, which may result in poor planning and missed opportunities to kick off the New Year already heading in the right financial direction.

ACCC offers these smart and easy tips on five things to do with your money before 2015:

Research Benefits: The start of a new year is often accompanied by a renewal or new enrollment into employer benefits, including retirement savings accounts, healthcare reimbursement, and wellness savings. Be sure to enroll in an employer sponsored 401k if available and, if you are already enrolled, look for ways to increase your weekly contributions, especially if your employer matches your contributions. Does your company provide a health or transportation reimbursement program? What about a flex-spending account to cover co-pays and other medical expenses? Dedicating money to these can save you hundreds over the course of the year, and the best part is that they are pre-taxed dollars. Meet with your HR department to walk through any company benefits that you may not be taking advantage of.

Be Pre-Emptive: Think now about your budget for the coming year so that on day one, you can start an emergency fund for just in case; you never know when you are going to be impacted by an unexpected event like a job loss or medical expense. The best way to plan for this is to review your monthly expenses and develop a plan to save for at least 6-9 months of expenses. This can be one of the most challenging goals to obtain, but it is also one that you will not regret if a financial disaster strikes.

Check Your Credit: Given that, according to a FTC study, one in five consumers had an error on at least one of their three credit reports, and five percent of those with errors endured less favorable terms for loans, this is a must-do for all consumers. Remember that every consumer is entitled to one free credit report per year from each of the credit reporting agencies. We recommend to get your free copy of your credit report. Once received, review to ensure the accuracy and if there is any erroneous information work with the credit reporting agencies to get this corrected.

Pay off What You Can in 2014: Reviewing your credit report also provides the opportunity to review your outstanding debts and develop a plan to get any of your credit cards paid off. There are different methods of paying down/off your debt and its a personal choice; the Debt Avalanche or the Debt Snowball methods, for example. The avalanche method suggests you put more money towards the account with the highest interest rate, and then make minimum payments on any other accounts. Once paid in full, apply more funds to the next highest interest rate, and so on. The snowball method approach is when you disregard interest rates and pay off the debt with the smallest balance first and so on.

Budget: The best way to organize your finances and paint a clear picture of your financial situation is to get it all down on paper or a spreadsheet. Identify your total monthly income and expenses. Break it down into categories so you know how much you are spending in each area (rent, utilities, car payment, groceries, dining out, cell phone bill, clothes shopping, etc.). If you dont know how much youre spending, then track yourself for a month or two. Once you can identify how much you spend on everything, you can identify areas to cut back. This will also help you find more money to apply towards your debts, or add to your savings.

American Consumer Credit Counselings certified and experienced counselors offer various financial education, counseling and debt management services to help consumers achieve long-term financial health and stability.

ACCCs certified and experienced counselors offer a variety of financial education, counseling and debt management services to help consumers achieve long-term financial health and stability. These financial education programs help consumers to better understand and manage their finances. ACCCs holiday spending poll is the first in a series of planned monthly polls related to budgeting and spending habits, intended to help consumers recognize their budgeting needs. ACCC plans to post these polls and the results on their website and Facebook page.

ACCC is a 501(c)3 organization, that provides free credit counseling, bankruptcy counseling, and housing counseling to consumers nationwide in need of financial literacy education and money management. For more information, contact ACCC:

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Jim Hitt, CEO of American IRA-A National Self-Directed IRA Provider, Announces A U.S. Supreme Court Decision Held That An Inherited IRA Is Not A Retirement Fund.

Charlotte, NC (PRWEB) December 06, 2014

Self-Directed IRA owners need to be aware of the U.S. Supreme Court decision that held that an inherited IRA is not a retirement fund and therefore doesn’t qualify for bankruptcy protection. To review the entire case, reference case Clark ET UX. versus Rameker, Trustee, ET Al number 13-299.

Even with this ruling, it is important for people to know that normally, retirement funds are protected from creditors even if they file for bankruptcy, with a few limitations. This protection extends to funds in all government-qualified pension plans, including IRAs (traditional and Roth), 401(k)s, 403(b)s, and defined benefit plans. This U.S. Supreme Court decision removes this protection from inherited IRAs.

Another important fact to keep in mind is that despite the ruling, debtors can elect to use state exemptions to protect assets from creditors in North Carolina, Arizona, Alaska, Florida, Idaho, Missouri, Texas, Ohio and Idaho.

This court decision is one that everyone needs to keep in mind when working on their financial plans. Individuals should consult with their professionals (including their CPAs and Attorneys) when making decisions that might put their inherited IRA in jeopardy. Those professionals can discuss the best way to protect the funds. In fact, it would be a good idea for everyone that inherits an IRA to have a planning meeting with their professionals at the time of inheritance.

About American IRA, LLC:

American IRA is committed to providing every client with gold-level service, regardless of account size. Experience their expertise through their certified IRA services professionals. Enjoy the value with one low annual fee of $ 285 with unlimited assets and unlimited account values. American IRA clients love the benefit of no charge for “All Cash” accounts. The performance of the American IRA staff is unmatched, with quick and efficient processing within 48 hours.

American IRA services thousands of clients and has over $ 300 million in assets under administration.

American IRA was built by investors for investors, and brings their successful investment experience to the table, providing excellent educational material showing the public that their Self-Directed IRA account can invest in a variety of assets such as real estate, private lending, limited liability companies, precious metals and much more.

American IRA is conveniently located in Asheville, NC and Charlotte, NC, and serves clients nationwide.

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New url for North American Advantage Insurance Services Provides Increased Convenience plus Functionality

Irving, Texas (PRWEB) August 13, 2014

Experiencing dynamic company development, a fast growing staff, as well as the have to reply rapidly to inquiries for insurance quotes, Brian Dixon knew he required a assisting hand. The vice president, agency manager of North American Advantage Insurance Services (NAAIS) got which assistance plus more with all the July 22 launch of his newly remodeled url at

With the resurgence of the property marketplace, the need for the goods to be quoted, issued plus delivered inside a seamless, effective plus consistent way has necessitated the revamping of the website, mentioned Dixon. Offering improved functionality plus ease of utilize, this brand-new platform enables you to deliver about the promise to offer instant plus exact quotes, and also extremely fast turnaround instances inside delivering the items.

The webpage has buyers the ability to request personalized quotes for a amount of services like homeowners insurance for single-family homes, multi-family homes, landlord coverage, plus renters coverage plus coverage for cars, motorcycles, vessels, trailers, flood, plus extra liability coverage (umbrella). Customers may complete an online shape through the url which collects info to aid inside providing personal quotes from a certified NAAIS agent. As an independent agency, NAAIS then submits the request to a multitude of nationwide plus territorial insurance providers to locate the ideal value.


For customers buying the modern house from Lennar, theres a bonus. As a subsidiary of homebuilder Lennar Corp., NAAIS is the preferred insurance solutions provider for Lennar homebuyers, as well as its agents have calculated the required coverage required for every particular house effectively ahead of time. The personalized quotation comes with prequalified rates which are not topic to conventional underwriting techniques (credit scoring plus reduction reporting), however, quite based on the certain house program bought inside the particular hot house neighborhood.

Using truly sophisticated proprietary software, you can rate found on the model level, that just signifies you dont check credit or reduction history for most the Lennar homebuyers, purely basing the rate found on the house itself, mentioned Dixon. This allows the homebuyer to instantaneously discover the rate for their modern house 24/7, plus enables the affiliate lender, UAMC, the ability to draw loan documents with self-confidence plus purchase the plan for closing without ever selecting up the telephone or sending an e-mail.

For example, when a customer is interested inside a certain Lennar model inside Katy, Texas, he or she could go to the NAAIS webpage, select Lennar Homeowners Quote, input Katy, Texas, plus Cinco Ranch TX Reserve, Coral 5531. A model quotation instantly plenty, showing a $ 1,323 yearly premium about a unique 2,753-square-foot house, including coverage for the home, individual property, individual liability, substitution expense about contents plus more.

Other conveniently utilized qualities useful to insurance customers include glossaries of insurance terms, a link to the agencys prevalent website along with a plug-in connected to its Facebook page.With insurance terms offered by the Texas Department of Insurance as well as the Federal Emergency Management Agency (FEMA), plus articles explaining concepts like insuring condominiums plus leased vehicles, these informational tools supply peace of notice to customers interested in answers to often-confusing conditions. Additionally, the site is conveniently viewable about mobile equipment.

According to Dixon, the site better reflects the appearance plus feel of the agencys brand, as well as its content is conveniently up-to-date. For a firm whose staff has grown by over 100 % inside the previous 3 years plus whose insurance coverage products have grown from 7 carriers to 13 over the same time, the ability to conveniently update content is important, he added.

About North American Advantage Insurance Services

North American Advantage Insurance Services (NAAIS) is a full-service independent insurance agency plus wholly owned subsidiary of a S&P 500 organization with over $ 11.0 billion inside assets (fiscal quarter ending Nov. 20, 2013). Located inside Irving, Texas, NAAIS delivers insurance policies from a multitude of carriers for house, condominium, townhouse, tenant, dwelling fire, car, motorcycle, RV, vessels, trailers plus umbrella liability. The business serves visitors inside 21 states: Arizona, California, Colorado, Florida, Georgia, Idaho, Illinois, Maryland, Massachusetts, Minnesota, Nevada, New Jersey, NY, Oregon, Pennsylvania, South Carolina, Tennessee, Texas, Virginia, Washington plus Wyoming, inside addition to Washington, D.C. To understand more, see

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