* Starwood Preferred Guest® Credit Card from American Express:

Intro APR: 2.9%

Intro Period: Up to 6 months
Annual Fee: First year fee-free

- Earn 10,000 Starpoints with your first purchase - that's good for up to 3 free nights!

- Earn 1 Starpoint for virtually every dollar you spend on the Card.

- Redeem at over 825 participating Starwood hotels and resorts worldwide with no blackout dates.

- Transfer to over 30 frequent flyer programs, most on a one-to-one basis.

- Save on business purchases at companies like FedEx® and Hertz®.

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* Blue from American Express®:

Intro APR: 0%

Intro Period: Up to 15 Months
Annual Fee: None

- Fee-Free Rewards Program

- 0% APR for up to 15 months

- No Annual Fee

- Low Balance Transfer APR - 4.99% Fixed APR for the life of the balance.

- Blue is your launch pad to standout shopping and
entertainment rewards and one-of-a-kind experiences.

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* American Express® Preferred Rewards Gold Card:

Intro APR: 0%

Intro Period: n/a
Annual Fee: First Year Free

- First year fee-free - $125 Thereafter

- Get 10,000 Membership Rewards® points redeemable for Rewards right away.

- No Pre-Set Spending Limit.

- Gold Card Events-exclusive access to tickets for select concerts, shows, major sporting events, and more in cities nationwide.

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* Chase Platinum Visa® Business Card

Intro APR: 0%

Intro Period: 6 Months
Annual Fee: None

- 0% APR for up to 12 months on purchases and balance transfers.

- No Annual Fee

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* Discover® Business Card:

Intro APR: 0%

Intro Period: 12 Months
Annual Fee: None

- 5% Cashback Bonus® on Get More purchases in popular categories that change four times a year like travel, apparel, gas, restaurants, movies, and more.

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- No Annual Fee, and Unlimited rewards that never expire.

- 0% Intro APR on Balance Transfers for 12 months.

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* The GM Business Card from Chase:

Intro APR: 0%

Intro Period: First 12 billing cycles
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- Get 3% Earnings on fuel purchases at the pump, at restaurants, office supply stores and at authorized GM Dealers on GM parts and service.

- Get 1% Earnings on ALL other credit card purchases.

- No Caps, No Limits -- Unlike most other reward cards, there are NO caps placed on earnings and Earnings are not limited to specific GM vehicles. Your Earnings are valid for 5 full years and can be redeemed toward the latest Chevrolet, GMC, Pontiac, Buick, Cadillac, Saturn or Hummer vehicles.

- Accelerate your Earnings with free cards for each of your employees.

- Get a $600 statement credit every time you purchase or lease an eligible new GM vehicle though the GM Business Choice program.

- New online tools deliver vital business management capabilities including the ability to manage financial data, set email alerts, conduct spending analysis, manage changes to your account and download reports.

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* Orchard Bank Platinum MasterCard®:

Intro APR: 14.9%

Intro Period: See website
Annual Fee: $39-59

- Enjoy the prestige of Platinum with no up front fees.

- Premium Platinum benefits including Purchase Protection.

- Great credit card to strengthen your credit.

- Reports to all 3 credit bureaus monthly, which can help improve your credit score.

- Free Online 24-hour Account Access and Bill Pay.

- Periodic credit limit increases

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* Imagine® Gold Card:

Intro APR: 19.75%

Intro Period: n/a
Annual Fee: $100

- Regular Credit line increases!

- Reports to all 3 Credit Bureaus!

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- Less than perfect credit OK!

- Unsecured credit card.

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* Chase Amazon.com Platinum Visa® Card:

Intro APR: 0%

Intro Period: 6 Months
Annual Fee: None

- Earn 1,500 Bonus Points2 after your first purchase with your Amazon.com Visa® Card.

- Free rewards that come quickly, easily, and automatically.

- Earn 3 reward points for every dollar spent at Amazon.com.

- Earn 1 reward point for every dollar spent on purchases elsewhere.

- For every 2,500 reward points, you'll receive a $25 Amazon.com Reward Certificate.

- 0% intro APR for 6 months on purchases and balance transfers, variable rate thereafter.

- Recognized everywhere Visa is accepted.

- No Annual Fee

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* Chase BP Visa® Rewards Card:

Intro APR: 0%

Intro Period: Up to 6 Months
Annual Fee: None

- Earn up to 10% in introductory rebates.

- Earn up to 5% in rebates.

- Rebates and Redemption -- There's no limit to the amount of rebates you can earn!

- Every time you accumulate at least $25 in rebates, you decide how and when to redeem your reward. Redeem for your choice of a BP Gift Card, a check made payable to you, or a donation to The Conservation Fund!

While some surveys show that 9 out of 10 consumers are unaware what their credit score is, I'd like to quickly share with you how your credit score could be costing you a fortune%u2026 in more ways than you can imagine.

We all know a low credit score will make everything in the world of finance more expensive because of higher interest rates from lenders due to being considered a greater credit risk (i.e. higher interest rates on car, homes and credit cards). While this may be considered common knowledge by some, it's truly devastating effects are understood by few.

For example. If you purchase a $200,000 home on a 30 year fixed mortgage at 8% interest instead of 6% (because of your credit score); that 2% is going to end up costing you a total of $96,934.11 over the term of the loan. Now, think about how many "extra" years you'll have to work to pay off $96,934.11 because of an extra 2% in interest?

The part few people talk about is all the other areas in life where a low score will increase your cost of living on an annual basis. For example. In addition to paying more for a car, home and credit cards, a low credit score will most likely have you paying more for the following as well.

1.) AUTO INSURANCE. As many as 92% of the 100 largest personal automobile insurers use credit information to underwrite new business, according to a 2001 study by Conning & Co., an insurance-research and asset-management firm.

2.) HOMEOWNERS INSURANCE. It's thought many insurance companies see a correlation between low credit scores and increased property insurance claims. Therefore, a low score will result in higher rates.

3.) LIFE and HEALTH INSURANCE. Customers who are unable to pay their monthly insurance premium thereby pass along that increased cost to the insurance company whose stuck with the bill%u2026 resulting in a loss for the company. Since customers who pay without lapse are more profitable it is felt by many that a low credit score now even affects a monthly life and/or health insurance premium negatively.

One of the more shocking areas where a low credit score will you cost you is in the area of employment. It's estimated as many as 42% of employers now do credit checks on applicants before hiring them (according to a 1998 survey by the Society for Human Resource Management).

While many employers claim they only do it to "verify" information on your application (such as where you live and where you have worked etc.) we can both assume they are taking the liberty to "have a peek" at how you handle your financial affairs as well. According to the Public Research Interest Group (PIRG) as many as 79% all credit reports contain errors - 25% of which are serious enough to cause the denial of credit (according to a 2004 report).

And that's all the more troubling in light of the increasing impact a bad credit report can have, says Ed Mierzwinski, director of PIRG's consumer program. "It's outrageous that the credit bureaus are claiming their scores are accurate enough to take people's lives and screw with them like this".

Jay Peters is the founder of Consumer Publishing Group which publishes the Credit Secrets Bible (in print since 1994). To receive Free Credit Tips including "How to Bullet-Proof Yourself From Identity Theft For FREE!" visit their website: Credit Secrets Bible.

These days conventional wisdom seems to state that in order to become wealthy you must cut up your credit cards and save by putting the maximum amount of your paycheck into your 401k retirement plan.

Although this plan might work for some people, Robert Kiyosaki urges readers to try a different approach. He outlines how to get rid of "bad debt," including credit card bills, and other unsecured debt, while maximizing "good debt," such as home mortgages or other investments. Kiyosaki's plan will help readers finally break through the psychological barriers of self-doubt that can serve as the biggest obstacle to becoming rich.

Categories : Economics
Finance & Investment

Go to Rich Dad's Guide NOW

Publisher : Hachette Audio
Author : Robert T. Kiyosaki with Sharon Lechter C.P.A
Narrator : Jim Ward

Length : 2 hours 30 minutes (Abridged)

Physical Price : $19.98
Download Price : $13.99

Format : Encoded Windows Media

Part of Rich Dad Series