Live up With Your Credit Through Citi Cards Rewards

When credit cards become the subject of the matter, the notion of getting buried in debts already comes in mind. Before, credit cards only serve as an instrument for temporary payment, but you have to return the amount you borrowed with the high interest rate. However, credit card companies today have thought of also giving something in return to their users. If you’re a Citibank credit card user, it’s time for you to experience Citi cards rewards.

What is Citi cards rewards program all about?

The Citi cards rewards program is Citibank’s form of appreciation to their loyal credit card users. This it allows Citi card users to have something in return that are equivalent to the amount of credit they consumed.

How do Citi cards rewards work?

To get rewards in this program, the credit card holder must earn points. There are corresponding prizes to specific amount of points accumulated. In order to earn points, the holder can use their card in shopping. Another way of accumulating points is enrolling in a Citibank consumer checking account and to its affiliate banks and businesses. As long as you use your Citi card in shopping and travelling for its affiliate companies, you will earn points in no time.

Kinds of rewards

There are four kinds of rewards you can get from the Citi cards rewards. First is the travel & experiences reward. Your airline travel through Citi cards rewards will be carried by American Airlines AAdvantage. Car rental and hotel accommodation is also included.

It can also be used for shopping. You can exchange your points for a certain amount of credit. However, if you want to have something you can give to someone for them to spend; you can exchange your points for gift checks. You can choose from the finest stores and restaurants on Citibank’s affiliates for gift check availability.

There are also certain products you can get in exchange of your points in Citi cards rewards. If you are fond of DVDs and sports, Citi cards rewards have something in store for you.

How to redeem rewards?

In order to redeem your rewards, you can call their service center or put the items you want for exchange of your points to your cart or Wishlist. This is done on your online account. Once you register for a ThankYou or Universal card, you are already entitled an online account.

Cheapest personal Loan

We all know how important money is in our life. Money can buy and sell anything that we need and require it can help us survive with luxury and fulfill all our dreams. Whether it is buying costlier jewellery or investing for future benefits, money does it all. Everybody cannot afford to buy everything that they need, for salaried person it becomes difficult even though he puts in hard efforts and works overtime. In a country like India, most of the families drop down the idea of having luxuries due to low income and adjust all through their lives. But now all your worries will be sorted because there are options made available just for you to buy al that you need and fulfill all personal requirements, and that is through Personal loan.

There are numerous offers and plans financial institutions and banks provide for personal loan. It’s you, who need to make a fare decision which institution to buy such valuable loan from; India being a developing country has already started providing great interest rates in order to make a common man feel comfortable while applying for such personal loan.

Personal Loan

is basically those trade loans which are made available for the purpose of accomplishment of personal necessitates and expenditures of individuals. In India, these personal loan are divided into different categories. Off course the loan amount and the interest rates vary from financial institutions. Apart from this if anyone aspires to set up his own business and which is not possible without enough funds, he can apply for personal loan.

Customer durable loans: such

Personal Loan

can be applied for buying consumer durable items and products like some digital items, personal computers, television sets, washing machines, etc. Indian banks provide different amount of loans under this category which generally ranges from 10,000 to 2, 00,000. The term granted for repayment of such personal loan is of 5 years.

Festival loans: In India there festivals are given more priority and this is the only time when people shop and buy many new things. During festive occasions, there are personal loan provided by some Indian banks for cheap interest rate. People who wish to have small amount purchases, such kind of personal loan are best for them. Bank provides a loan for amount of 5,000 to 50,000. But here the repayment tenure is for 1 year, the EMI rates are different in different banks.

Marriage loan facility: People who belong to urban and rural regions follow with Marriage personal loan. This loan is basically granted for marriage purposes. The ones who face financial difficulties to gather funds for their daughter’s marriage, this is the best option for you. The rate of interest is adjusted with the market range.

Pension loans: In India there are banks who considered the old age peoples living. So now, if people retire from job they don’t have to worry due to the latest pension loans. This type of loan is generally termed as pension loan. The banks provide 10 times increased value of the last pension received by the retired personnel.

In India, there can be personal loan granted for anything you wish to do. Banks and financial institutions completely rely upon customer satisfaction, more than marketing and business , with the ever increasing competitive market, banks help make their goodwill in the market with assisting common man in the best possible way. Personal loan can be a helping hand for you which will support you all through your life. It can play a part of your best friend. You will no more fall a shortage of finances to meet your personal expenses. So help yourself and enjoy living!

Scope of Forex Trading And Its Prerequisites

If you understand the basics of trading currencies, then, it will become easier for you to crack the deals easily. Let us look at these aspects and address them precisely. First of all, it is advisable to know what exactly is forex or foreign exchange stream all about! In the market, the prices of currencies rise and fall according to their value in the market. The utmost liquidity in FX market is one of the chief reasons to rely on this stream. The trade indicators are available in virtual or physical market which should be ideally referred for trading in a realistic manner.

The best part about forex market is that it allows the potential traders to trade throughout the day. In simple words, the market is open 24/7 and enables the traders to proceed with the trade processes. As you move ahead with the forex trading transactions, it is necessary for you to know about the merits of this type of trading. Firstly, it has ability to offer highest leverage to the trade aspirants. This further implicates that it gives more prospects of attaining profits. In fact, there are very low risks which people might come across while enjoying leverage in the market.

Apart from this, people who are very less informed about the live FX rates, yet want to trade currencies have brighter scope too. Putting it simply, the forex virtual as well as physical market offers an opportunity to the users to polish their skills by trading. However, in order to buy or sell currencies, the traders need to subscribe to demo forex account. This account is already filled with the credit balance that lets you proceed with the transactions smoothly. As a matter of fact, it is the safest way to trade and practice trading of FX before actually moving to the real-time market. It is worth adding that there are some prerequisites of forex trading practices which must not be ignored.

The vital essence of FX market is to trade properly without indulging in practices like overtrading or mixing up the currencies’ pairs. Mixing up of currency pairs simply implicates considering various currencies at the same time. It is indeed not justifiable act for a trader. Hence, the trading enthusiasts must concentrate on 1 or 2 pairs of currencies, so that, they can get the desirable results with minimal or zero loss. Alternatively, an individual should not take into account two non-related currencies, when it comes to trading FX. Obviously, the currencies which do not make an accurate pair, the traders will not be able to make the most out of the trade operations of the market.

At this point of time, it is essential to even add that lesser trade indicators must be focused on in forex trading. Why? If the number of trade indicators referred increases, then, you are likely to face dilemma. This dilemma or confusion develops because lots of these indicators meant for FX trade would cause uncertainty. You would not even be able to adhere to all the indicators due to the different inferences offered by them. It can be summed up that trading currencies is a task which needs to be carried out cautiously.

What is IRS Form 1098?

The form contains 3 pages of information and is usually held together by a perforated edge. The first page is Copy A. Copy A is a red-ink form. If you are paper filing, you can print your data on top of Copy A and mail the Form 1098 along with the 1096 to the IRS. Copy B is sent to the borrower. Copy B can be printed on plain paper with black ink. Copy C is retained by the lender and can also be printed on plain paper with black ink.

The top part of the form asks for the lender name, address, phone number and TIN. Then the borrower name, address and TIN followed by the account number.

There are 4 boxes on the IRS 1098 form. Each box is discussed below:

Box 1: Shows the mortgage interest paid from the borrower to the lender during the calendar year. This amount does not include points, subsidies or any deductibles.

Box 2: Shows the points paid on purchase of principal residence. What are mortgage points? A mortgage point is a charge that the borrower pays in order to obtain a mortage on a home. One mortgage point is a fee that is 1% of the total amount of the loan. Lets say the borrower wants to borrow $250,000 to purchase a house. One point on a $250,000 loan is $2,500. Mortgage points are tax deductible as a home mortgage interest if the deductions are itemized on Form 1040, Schedule A.

Box 3: Shows any refund of overpaid interest that the borrower made in a prior year or years. The borrower can not deduct this amount.

Box 4 is blank and can show any additional information that the lender in this case wants to show on the form. You can show the property address, real estate taxes or insurance paid from escrow or anything else.

The borrower may deduct only the amount she or she paid and points paid by the seller that represent his or her share of the amount allowable as a deduction.

IRS Form 1099-S: Announces 1099-S Software for 2012 Tax Season.

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