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Home > Other > Citi Professional Card

Citi Professional Card

$100 Gist Card after your first purchase
No Fee Rewards Program
Earn 3% cash back on purchases at restaurants, gas stations, on auto rentals & at certain office supply merchants.
Earn 1% cash back on other purchases.
Immediate one touch access to a live customer service representative.
No balance transfer fee with this offer*

Work and play can be a real balancing act.

The Citi Professional (SM) Card

helps keep track of which is which.The points really add up

  • Get 3 ThankYou Points for every dollar you spend at restaurants, gas stations, on auto rentals and at certain office supply merchants.**
  • Get 1 point for every dollar you spend on other purchases**
  • Redeem your points for: air travel, statement credit, gift cards and certificates, merchandise or create your own reward.
  • Plus get 10,000 bonus ThankYou Points after your first purchase that can then be redeemed for a $100 gift card.
A card that works for you

  • Categorized monthly statements and quarterly and annual summaries
  • A unique Online Expense Reporting Tool that helps you use your online statement to customize reports for billing or reimbursement
  • Access to dedicated Customer Service representatives who understand the needs of today's professionals


Apply now Back


If you listen to much financial news, you may hear a variety of odd phrases used to describe the activities of the stock market. Perhaps two of the more confusing of these are the terms “bull market” and “bear market”… while these terms are descriptive of major trends across the market, if you're not sure what they mean then that information doesn't do you a whole lot of good.

To help you make sense of the bulls and the bears, this article compiles definitions of each type of market as well as what they mean to investors and their investments.

Bull Markets

A bull market is the term that's used to describe an optimistic market, or one in which the prices of stocks and other securities continues to rise. Major investors are usually more than willing to make new investments in a bull market because they are reasonably sure that they'll be able to earn a profit on their investments due to the market-wide trend of growth and expansion.

What an Optimistic Market Means

Basically, an optimistic market means that the economy is doing well and that people are more willing to spend their money on investments in companies that they trust. During an optimistic market, many lesser-known companies begin to thrive because they share something in common with their well-known counterparts; sometimes it's simply being in the same industry as a well-performing company.

Though there is a lot of money being made with an optimistic market, it's important that you don't start thinking that it's a guarantee of success… the stock market is very volatile and fluid, and just because large portions of it seem to be doing well this doesn't mean that some sections can't begin to drop in value without warning.

On many occasions optimistic markets end because investors are artificially inflating the price of many stocks with repeated investments, and when the stock is discovered to be worth less than what people are paying for it the market shifts from large amounts of buying to great sales of stocks and other securities.

Bear Markets

The opposite of a bull market, a bear market is the term that's used to describe a pessimistic market. Instead of rising, a pessimistic market sees the process of stocks and other securities lagging behind or falling outright. Many major investors are hesitant to make new investments in a bear market, because they know that there's a good chance that prices will fall even lower due to the market-wide trend of falling prices and reduced profits.

What a Pessimistic Market Means

As opposed to an optimistic market, a pessimistic market usually means that the economy is not doing as well and that people are less willing to spend their money on investments or anything that they don't really need. During a pessimistic market, lesser-known companies tend to struggle to stay afloat and even larger companies tend to have to make cutbacks or lay off employees until the economy picks up again.

It's important to keep in mind that though the prices of most stocks are dropping in a pessimistic market, it's still possible to make money… especially in long-term investments. Many companies will recover from pessimistic markets to show record profits in the following years, and stock prices will rise substantially.

Buying shares when the prices are low can seem risky at times, but in many cases will prove to be quite profitable down the line should you stick with the investment and ride out the economic troubles.

You may freely reprint this article provided the following author's biography (including the live URL link) remains intact:

About The Author

John Mussi is the founder of Direct Online Loans who help homeowners find the best available loans via the website.

Article Source:

BIRDVIEW Technologies distributes new set of mortgage tools.

Lombard, IL (PRWEB) January 16, 2006 -- BIRDVIEW Technologies today announced the distribution of a new set of mortgage tools to all their clients as a free upgrade. Developed in association with, a division of LION, Inc., these new tools will provide consumers visiting Real Estate brokerage and agent websites with an array of innovative mortgage tools not found on traditional real estate websites.

One of the more innovative pieces of technology that is included in the toolset is the ability for consumers to instantly shop thousands of mortgage brokers and lenders on-line. Consumers will also have access to current interest rates tickers, live market updates, interactive calculators and over 180 informative mortgage and real estate related articles.

“These new tools build on our philosophy of empowering on-line home buyers to further facilitate one of the largest purchases they’ll ever make. As a result, our real estate brokerage and agent clients will continue to lead the way on the Internet and we’re confident home buyers will reward them accordingly,” said Bedros Bedrosian, President and co-founder of BIRDVIEW.’s website tools and private labeling capabilities deliver superior value and content and we are very pleased that BIRDVIEW will be extending our tools to their customers. It’s rare to find a partner that shares our consumer centric views and forward thinking technology strategy,” said Kristi Angell, Director of, a division of Lion, Inc..

BIRDVIEW Technologies,, is a leading provider of Internet software to real estate offices and agents in 31 states and over 145 local MLS'. The Company's scalable software platform can be deployed to provide Lead Generation, Lead Management, Communication, and Productivity tools. Each month, BIRDVIEW clients utilize the Company's software to service over 2 million online consumers.

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