Credit Card Offer
HomeContact UsTerms & ConditionsPrivacy PolicySitemap



Airline rewards MasterCard
Auto rewards MasterCard
Cash rewards MasterCard
Gas rewards MasterCard
Hotel rewards MasterCard
Retail rewards MasterCard
Travel rewards MasterCard


Low Interest Rates MasterCard
Low Intro Rates MasterCard
No Annual Fee MasterCard
Fixed Rates MasterCard
Business MasterCard
Poor Credit MasterCard
Pre-Paid MasterCard
Regular MasterCard
Secured MasterCard
Student MasterCard
Chase reward MasterCards

Home > > Credit card 5% fixed apr

Credit card 5% fixed apr

Want to get rich quick while you work at home in your jammies? Sifting through hundreds (thousands?) of online home business opportunities something that fits? Spending your money to gamble on slick ad copy that inevitably promises more than they can possibly deliver? Face it.

There's still nothing new under the sun, and that fixed 5% card credit apr applies to get rich quick schemes. There just is no such thing. With a patient, steady approach to e-commerce, however, and reasonable goals, you can assuredly create a real online home business career that will work to bring in a living income for the rest of your life. The key to success, as with everything, is remaining grounded and making rational decisions all along the path of your work at home journey. The biggest step you will take on that journey is deciding on a home marketing program that's right for you. The temptation is to dive into the glitzy websites offering cheap and profitable home business programs and, of course, the ubiquitous get rich quick scheme. Time to take a moment for pause at the crossroads and check out your atlas. Take the time to research your possibilities. You will most certainly find some online home business opportunities that feel better to you than others. Gather them up like flowers, then take a little more time to investigate each one thoroughly. How do their case studies of success compare? Which ones seem to actually have content that has some meat on it? Which ones seem to be selling…and only selling? Now credit fixed 5% card apr take a look at how long the journey might be with each of your prospective online work at home opportunities. Do some of them claim you have to put in tons of time to master the technical aspects of e-commerce, such as Google adwords and click tracking? Are there some that offer credit card 5% fixed apr to do that for you? Those shortcuts might save you a world of headaches along the way, and get you to your destination a lot sooner. Compare costs, of course, of each of your favorite online home business programs. Double check the ones that say things like risk-free. They may just be for real. Your time spent in studying your journey and the opportunities along the way will lay the foundation for building a figurative online "home," and then, maybe even a city. Done correctly, you won't find yourself down the road a short while later, stumbling about with your feet in the sand, as you watch your structure crumble around you! Many novice Internet entrepreneurs are unaware that a learning curve even exists to create a successful online home business. Traveling the road with care is a good way to take short cuts that shorten the learning curve time without risking disaster around the next bend.2

Apply now Back


On of the largest burden on very small employers is dealing with taxes. Fortunately, the IRS has taken a major step to reduce this burden.

Quarterly Federal Tax Returns – Not!

There are millions of small businesses that labor under the burden of filing federal tax returns each quarter of the calendar year. These quarterly returns have been a major gripe of business owners who often feel they see their CPAs more than their families. The IRS is finally listening. Well, sort of.

Beginning January 1, 2006, the quarterly federal tax return will go the way of the dodo bird for some small businesses. Instead of being required to file every three months, these small business will be allowed to just file an annual federal tax return with the IRS.

When it comes to taxes and the IRS, there is always a catch. So, what is it in this situation? The annual tax return procedure will only be available to very small businesses, often just sole proprietorships.

Under the new regulations, small businesses will only be eligible for the annual filing if their estimated annual employment tax is $1,000 or lower. Put another way, this equates to paying roughly $4,000 in wages in a calendar year. That is a significant catch.

Ostensibly, this new annual tax return procedure is designed to help mom and pop businesses or businesses that are barely running. Depending on the specifics of the regulations, however, a significant loophole may let a lot more people through the door. The IRS, for instance, categorizes a single member LLC as a sole proprietorship. As a result, the LLC doesn’t technically pay employment taxes. Instead, the member can simply draw money from the business and then report it on his or her personal taxes.

To find out if you qualify for the annual return option, just sit and wait. The IRS is going to send out notices to qualifying small businesses during the first two weeks of February 2006. If you don’t receive one, you can contact your CPA to see if there are any options for your business.

Have you started receiving credit card debt settlement notices in the mail? Have you been receiving collection calls? If this is the case, you have probably been in debt and been dealing with financial difficulties for quite some time.

Creditors are sometimes willing to settle the account for a lesser amount if the credit card account is seriously delinquent or has been written off. This creditor will usually accept the settled amount in one payment and the payment has to be made within a short period of time.

Now you may wonder why a creditor would settle for less than what is owed. Your credit card issuer is trying to reduce their losses and they have concerns about you paying this debt. Your credit issuer feels that recovering some of their money is better than not getting any of it back. Keep in mind that accepting a settlement may affect your borrowing ability in the future with this creditor, but it is a better option than bankruptcy or doing nothing at all.

A creditor will not usually settle on an account that is current. Normally, the account has to be at least 90 days delinquent before they will talk settlement and many credit card companies will wait longer than that. Here are a few things you should be aware of before agreeing to a settlement.

1. Your settlement payment may not completely satisfy the debt. There is a possibility that the uncollected portion of the debt could be turned over to another collection agency for further collection activity, but this is not the norm.

2. The IRS considers the amount of the debt that has not been satisfied as income. Any amount that exceeds $600 will be report on a 1099, to the IRS, by your creditors. You will be required to pay taxes on this amount.

3. Know what's on your credit report. If the debt is not on their at all, it is not recommended that you do anything with this debt. If it is showing as being "charged off," this is negative note on your credit report. If you settle, it will be noted as "settled for a lesser amount" which as also somewhat negative, but not as bad as doing nothing about it at all.

The best thing to do is to try to deal with the original creditor. Communicate with them in writing. If they will not deal with you, contact the collection agency in writing. If at all possible, try to negotiate a repayment plan on the balance. If you decide to settle the debt, get the terms of the settlement in writing to avoid problems on down the road. Once you have paid the debt, ask for a “release of debt” as proof that the company has agreed that the debt has been satisfied.

The best thing that you can do for yourself is to examine the curcumstances that caused your debt to get to this point and to put a plan in place that will prevent you from ending up there again.

Copyright 2007, creditmagik. All rights reserved!