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Home > Other > Advanta Platinum Business Card

Advanta Platinum Business Card

0% Intro APR* on Purchases and Balance Transfers for 12 months
No Annual Fee
Detailed Expense Management Reports
Free Online Account Management
Customized Card with Your Business Name
Business Credit Line Up To $50,000
$0 Fraud Liability
Personalized Card -- your company name at the top of the card* See Terms & Conditions

Annual Percentage Rate (APR) for Purchases and Balance Transfers: Prime plus 5.99% ; however, introductory 0% for the first twelve billing cycles from the date your account is opened.
Other APRs: Cash Advances: Prime plus 5.99% or Prime plus 15.99% .
Default: The higher of the account APR plus 3%, or Prime plus a Default Margin of 17.99%.
Grace Period for New Purchases: 25 days from statement closing date, if new balance is paid in full in the manner and by the time of day on its due date as shown on statement.
Annual Fee: None.
Minimum Finance Charge: If any finance charge is applicable: $1.
Transaction Fees for Cash Advances and Balance Transfers Cash Advances other than Convenience Checks: 3% (minimum $5); Convenience Check Cash Advances: 3% (minimum $5; maximum $50). Balance Transfers processed during the introductory period: 3% (minimum $5; maximum $50).
Other Fees Late Payment Fee: $15 to $39 based on balance. Overlimit Fee: $15 to $39 based on balance. Returned Payment Fee: $20. Dishonored Convenience Check Fee: $20.

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Do you have a strong desire to build a website, yet don't have a clue where to begin? That was me six years ago. Like you, I desperately wanted to be part of the online community and stake my claim on the world wide web.

What have I learned in six years? A lot! It has changed my life and can change yours too. Here are some valuable tips I learned from some of my biggest mistakes building a website and working online.

Let's Get Started.

Have you ever been to a website and been totally confused about what it is they actually offer or do? I know I have. I get frustrated with websites like these and quickly start my search again for a website that focuses on the information I am after.

Tip #1 - Find a niche market for your website. Don't try to be a website for everything. If your website is about recipes, make it about recipes and products that compliment your theme. Don't throw in insurance quotes, apartment searches and etc.

Tip #2 - Stay away from wallpaper and dark background colors. Do you want visitors to see your services or your wallpaper? My guess is the reason you have a website is to promote a product or service, so make that the focus. Busy wallpaper distracts from the services and products you are trying to promote.

Dark background colors make reading web copy much harder and can be a bit overwhelming to most people's sense of calm and well being. When in doubt, do as other successful online businesses do. Notice no wallpaper or dark background colors on Microsoft, eBay and etc. It's okay to add a splash of color to your website, just not the whole page.

Tip #3 - Avoid using flash introductory pages. Sure they look nice and can be quite entertaining, but what do they really do for your website? In my opinion, frustrate your visitors. In today's fast paced society we want the facts and information quickly. Remember, there are still plenty of dial-up users who will become frustrated waiting for your flash page to load and will move on to your competitor's website.

Tip #4 - Turn your speakers down for this one. Nothing scares a visitor off more quickly than entering a website and being blasted with music. Avoid using music on your website. It just isn't professional, unless of course, you are in the music industry and your website is about music.

Tip #5 - Focus your web copy for your customer. They are looking for "What's In It For Me?" Take time to write good web copy or pay someone who can.

Example of What Not to Do: Welcome to our website. We are excited you have found us. Notice in this example, all the words really focus on the company: our, we, us. Nothing is really about the benefits for customers.

Example of What to Do: Are you frustrated with website builders that don't deliver? You need a professional website with state-of-the-art ecommerce solutions and you need it now. Doesn't this sound a lot more exciting and interesting? Notice the "you" in this text. It is about the customer and fulfilling a need.

An excellent book and learning tool for writing good web copy is, "Persuasive Online Copywriting: How to Take Your Words to the Bank," by Bryan Eisenberg, Jeffrey Eisenberg, and Lisa T. Davis. I highly recommend it and can say from experience, it is well worth the investment. You can find it easily online at

Tip #6 - To bold or not to bold...that is the question? Bolding text can be a valuable tool for drawing attention to a product or service. If you bold each and every word in your paragraph, guess what? Nothing stands out. Use it sparingly to get your message across. Also, the same is true for using italics. Use it in moderation to highlight keywords of interest.

Tip #7 - Easy navigation. Can your visitors easily find what they are looking for or is there some secret passage they have to discover to get there? One way to determine how easy your website is to navigate is to send a friend to your website and ask them to find a particular product or service. Guess what? If they can't find it, neither can your potential customers. Keep your website clean and easy to navigate. A cluttered site will result in poor sales. Visitors become frustrated when they cannot quickly find what they are looking for on a website.

Tip #8 - How can your visitors contact you? I have browsed websites where there is absolutely no way to contact the owner and I am amazed at why anyone would do this. What this tells me is there is "no" and I repeat, "NO" customer service so why would I want to do business with them? The trust factor on the web is totally different than the trust factor of doing business locally. At a minimum, you should provide a contact form or email. It's even better to provide a contact phone number.

Note: Respond in a timely manner to requests. Generally within 24 hours is best. Anything beyond that and people get hesitant about the legitimacy of your business and service. They want to know there is a live, eager person tending the store. Not one who checks in every few days or weeks.

Tip #9 - Dead End - No Outlet - Site Not Found! By this I mean, are your customers finding those links to nowhere on your website? Sometimes it can't be helped, however, check your website often for dead links, keep it updated and the content fresh. Finding a bunch of dead links on a website will send a very clear message to your visitors. No one is tending the store. Not much happening here! This is a sure way to quickly devalue your website.

Tip #10 - Should you link up? Yes! Quality link exchanges do work. Exchange links with websites that compliment the demographics of your website. If your website is about recipes, linking with other recipe sites, cooking sites and such are a good move. Linking to real estate websites, for example, would not be a good linking strategy. It is also best to categorize your link partners for your visitors: Italian Recipes, Mexican Recipes and etc. And, when possible, house your link pages on your own domain, not with a free linking service.

In closing, I am sure you are reading this article because you want a professional website. If you have programming skills and can write your own code, great! If not, there are many affordable, quality online website builders available. Avoid using the free website builder services. It's that old saying, "You Get What You Pay For," and it certainly is true in this case.

About the Author:

Diane Drayer has been working online for the past 6 years. She is a successful internet marketer and home business professional. She owns and manages and

Article Source:

In its fourth annual Best CEO's in America ranking, Institutional Investor magazine identifies the top CEOs in 62 industries, as rated by investors and brokerage firm analysts.

New York, NY (PRWEB via PR Web Direct) January 13, 2006 -- America's best CEO's must be visionary leaders, possess great integrity and deliver superior results. In its fourth annual Best CEOs in America ranking, Institutional Investor magazine identifies the top CEOs in 62 industries, as rated by investors and brokerage firm analysts. The results of the survey appear in the magazine’s January issue, released today.

The magazine’s list of top CEOs abounds with examples of those who have persuaded investors that their basic strategy is sound, despite short-term setbacks. To find chief executives who excel at their ever-tougher assignment, Institutional Investor surveyed more than 1,700 investment professionals at close to 475 firms to help select a list of America’s top CEOs

Listed below by sector and industry are the 62 chief executives who scored the highest when II asked portfolio managers and sell-side equity analysts to choose the top-performing CEOs in their domains.

Chemicals/Commodity -Andrew Liveris, Dow Chemical Co.
Chemicals/Specialty - Dennis Reilley, Praxair
Metals & Mining- Daniel DiMicco, Nucor Corp.
Paper & Forest Products- Steven Rogel, Weyerhaeuser Co.

Aerospace & Defense Electronics-George David, United Technologies Corp.
Airfreight & Surface Transportation Frederick Smith, FedEx Corp.
Business & Professional Services Harold (Max) Messmer Jr., Robert Half International
Electrical Equipment & Multi-Industry Jeffrey Immelt, General Electric Co.
Environmental Services James O’Connor, Republic Services
Machinery Alexander (Sandy) Cutler, Eaton Corp.
Packaging R. David Hoover, Ball Corp.

Airlines- Gary Kelly, Southwest Airlines Co.
Apparel, Footwear & Textiles- Lewis Frankfort, Coach
Autos & Auto Parts- John Barth, Johnson Controls
Beverages- Steven Reinemund ,PepsiCo
Cosmetics, Household & Personal Care Products- Alan Lafley, Procter & Gamble Co.
Food- Richard Lenny, Hershey Co.
Gaming & Lodging- Gary Loveman, Harrah’s Entertainment
Homebuilders & Building Products- Robert Toll, Toll Brothers
Leisure- Micky Arison, Carnival Corp.
Restaurants- David Novak, Yum! Brands
Retailing/Broadlines & Department Stores- Robert Ulrich, Target Corp.
Retailing/Food & Drug Chains- John Mackey, Whole Foods Market
Retailing/Hardlines- Robert Nardelli, Home Depot
Retailing/Specialty- Stores Scott Edmonds, Chico’s FAS
Tobacco- Louis Camilleri, Altria Group

Electric Utilities- C. John Wilder, TXU Corp.
Integrated Oil- Lee Raymond, Exxon Mobil Corp.
Natural Gas- Keith Rattie, Questar Corp.
Oil & Gas Exploration & Production- Mark Papa, EOG Resources
Oil Services & Equipment- James Day, Noble Corp.

Banks/Large Cap- Richard Kovacevich, Wells Fargo & Co.
Banks/Midcap- John Kanas, North Fork Bancorp.
Brokers & Asset Managers- Richard Fuld Jr., Lehman Brothers Holdings
Insurance/Life- Arthur Ryan, Prudential Financial
Insurance/Nonlife- Glenn Renwick, Progressive Corp.
Mortgage Finance- Angelo Mozilo, Countrywide Financial Corp.
REITs- Steven Roth, Vornado Realty Trust
Specialty Finance- Kenneth Chenault, American Express Co.

Biotechnology- Arthur Levinson, Genentech
Health Care Facilities- Jack Bovender Jr., HCA
Health Care Technology & Distribution- Edwin (Mac) Crawford, Caremark Rx
Managed Care- William McGuire, UnitedHealth Group
Medical Supplies & Devices- J. Raymond Elliott, Zimmer Holdings
Pharmaceuticals/Major- Henry McKinnell Jr., Pfizer
Pharmaceuticals/Specialty- Bruce Downey, Barr Pharmaceuticals

Cable & Satellite- Brian Roberts, Comcast Corp.
Entertainment -Richard Parsons, Time Warner
Publishing & Advertising Agencies- Kenneth Lowe, E.W. Scripps Co.
Radio & TV Broadcasting- Hugh Panero, XM Satellite Radio Holdings

Computer Services & IT Consulting- Paul Garcia, Global Payments
Electronics Manufacturing Services- Timothy Main, Jabil Circuit
Imaging Technology- Bruce Chizen, Adobe Systems
Internet- Terry Semel, Yahoo!
IT Hardware- Joseph Tucci, EMC Corp.
Semiconductor Capital Equipment- Kenneth Schroeder*, KLA-Tencor Corp.
Semiconductors- Richard Templeton, Texas Instruments
Software- Steven Ballmer, Microsoft Corp.

Data Networking & Wireline Equipment- John Chambers, Cisco Systems
Telecom Equipment/Wireless- Edward Zander, Motorola
Telecom Services/Wireless- Gary Forsee, Sprint Nextel Corp.
Telecom Services/Wireline- Ivan Seidenberg, Verizon Communications

*Stepped down January 1; remains senior adviser

In the II poll, respondents were asked to name their first, second and third choices for best CEO for a given industry; the responses were weighted by rank to produce a score for each candidate. The survey presents 178 winners — up to three per industry. Voting concluded in early September 2005.

For the complete CEO rankings, and profiles of five of the first-place CEOs, please visit


Liza Shevitz
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Evan Cooper
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