New Year, New Great Michigan Association of Realtors Visa Signature® Card Offer!
Start the year on the right foot with the Michigan Association of Realtors Visa Signature® Card, Sign up for the Michigan Association of Realtors Visa Signature® Card today and you’ll get a 0% Intro APR on purchases and balance transfers for six billing cycles, and after that a variable rate, currently 9.99% - 21.99%1! Plus, you’ll earn one point for every net dollar spent any where Visa is accepted, whenever you use your Michigan Association of Realtors Visa Signature® for your everyday spend, or to just lighten the load from the holidays, now is the time to apply!
The Michigan Association of Realtors Visa Signature® Card also provides great benefits, including:
- 1,000 bonus rewards points with your first purchase2
- Unlimited rewards points2
- No preset spending limit 3
- Special Signature advantages such as Concierge Services4
Plus, with every Visa Signature Card purchase, U.S. Bank will make a contribution to the Michigan Association of Realtors!
Click here to apply today
Hurry, offer ends 03/31/12
Visa® Business Rewards
Our Visa® Business Rewards credit card offers a full suite of benefits designed to make managing your company's money, time and books easier. The Visa Business Rewards Card provides spending reports, free employee cards with spending control options and you earn rewards for every net dollar you and your employees spend on the card.
- Earn 2 points for every net $1 spent on airline, travel, gas, cell phone and office supplies.
- Earn 1 point for every net $1 spent everywhere Visa is accepted
- No point cap
- Unlimited redemption options'
- Free employees cards
- 100% fraud protection
- Free company spending reports, built to simplify your business management
1 The 1.99% introductory APR applies to purchases and is valid for the first six billing cycles. The 0% introductory APR applies to balance transfers [made within 30 days of account opening] and is valid for the first six billing cycles. The introductory rate does not apply to cash advances. Thereafter, the APR may vary and as of 10-01-11, the undiscounted variable APR for Purchases and Balance Transfers is 9.99% - 21.99% based on your creditworthiness. The variable APR for Cash Advances is 23.99%. Cash Advance fee: 4% of each advance amount, $10 minimum. Convenience Check fee: 3% of each check amount, $5 minimum. Cash Equivalent fee: 4% of each cash amount, $20 minimum. Balance Transfer fee: 3% of each transfer amount, $5 minimum. There is a $2 minimum finance charge where interest is due. The annual fee is $0. Foreign Transaction fee: 2% of each foreign purchase transaction or foreign ATM advance transaction in U.S. Dollars. 3% of each foreign purchase transaction or foreign ATM advance transaction in a Foreign Currency. We may change APRs, fees, and other Account terms in the future based on your experience with U.S. Bank National Association ND and its affiliates as provided under the Cardmember Agreement and applicable law. We apply your minimum payment to balances with lower APRs first. Amounts paid over the minimum payment will be applied in the order of highest to lowest APR balances.
2 Accounts must be open and in good standing (not past due) to earn and redeem points.
3 Certain restrictions and exclusions may apply. Individual transactions are evaluated by U.S. Bank based on factors such as suspected fraud, Account history, credit record, payment resources, revolving balances, prior cash advances, and safety and soundness considerations. If U.S. Bank authorizes a transaction that causes you to exceed your revolving credit line, then you must pay, as a part of your monthly minimum amount due, the amount by which your new balance exceeds your credit line.
4 Cardmembers are responsible for the cost of any goods or services purchased by Visa Signature Concierge on cardmembers’ behalf.
The creditor and issuer of the Michigan Association of Realtors Card is U.S. Bank National Association ND, pursuant to a license from Visa U.S.A. Inc.
Individual health plans that are an easy fit for your life.
MAR members can enroll in the association sponsored BCBSM/BCN plans and take advantage of exclusive products, affordable plans and more.
Through Gadaleto, Ramsby and Associates, MAR members have access to an extensive network of insurance agents across Michigan who will meet directly with you to select the best insurance option for you, your family and your company including:
To reach an agent with the ability to match you, an MAR member, with the right health insurance plan option, call Gadaleto, Ramsby and Associates today at 800.748.0166
Real Estate Errors & Omissions (E&O) coverage from Pearl Insurance is underwritten by the A rated (by A.M. Best) XL Insurance companies (through Greenwich Insurance Company and Indian Harbor Insurance Company). Pearl Insurance has been offering comprehensive E&O Insurance coverage to MAR members since 1993.
Because Pearl understands real estate professionals’ hectic lifestyles, we designed our Click. Quote. Buy. process for E&O shopping. We’ve made it easy for you to login, obtain a quick
Michigan E&O insurance quote—and, if qualified, even buy your policy—online immediately. Not ready for a quote? Get a
Michigan E&O Insurance Estimate.
As a Pearl E&O insured, you’ll receive valuable risk management tools and services to help educate you on effectively minimizing your legal liability. All attendees of our Risk Management Seminars are eligible for premium credits. In addition, you’ll gain access to our entire online library of monthly Risk Managers and receive mailings of our quarterly newsletters. View samples of our
Michigan E&O Risk Management Material. Call us today at 800.289.8170 or check out Pearl’s
Michigan E&O Insurance Highlights for real estate professionals.
Completing all of the paperwork associated with a typical real estate transaction — listing and sales contracts, offers and counter-offers, disclosure statements and countless other important documents — can be a time-consuming task. ZipFormDesktop can help you speed up the process by sharing data between all documents related to the same transaction — simply fill out one form and the information is automatically shared with all of the forms required to complete a transaction. With ZipFormDesktop you’ll spend less time managing paperwork and more time closing the deal.
Through your membership in MAR, you gain access to more than thirty national member benefits, from discounts on computers to standardized forms, to rental cars, and cell phone services.
Featured NAR member benefits programs include:
Marketing
Insurance Warranties
Financial Services
Office Solutions
Technology
Travel
Individual dental plans from Blue Cross Blue Shield of Michigan
Blue Dental offers two individual dental plans that make getting your own dental coverage easy. Personal blue Dental and Personal Blue Dental Plus cover everything from routine cleanings to oral exams to fillings and dentures. Even better, both plans are backed by the value, experience and commitment of the Michigan Blues.
Call Gadaleto, Ramsby and Associates today at 800.748.0166 for more information.
REALTORS® Federal Credit Union is the first ever virtual credit union. Developed by the National Association of REALTORS® (NAR), it benefits America’s largest trade association which represents over 1 million members involved in all aspects of the residential and commercial real estate industries. REALTORS® FCU understands the work habits and lifestyles of busy real estate professionals, most of whom are independent contractors compensated by commissions. As a REALTOR Benefits® Program Partner with NAR, REALTORS® FCU offers products & services designed with the unique needs of REALTORS® in mind.
For more information:
866.295.6038 24-Hour Member Care
Take advantage of special savings on UPS shipping offered to you as a member of MAR. You can now save up to 28% on an expanded portfolio of air and international Express shipping services. That’s a significant savings over FedEx published rates!**
All this with the peace of mind that comes from using the carrier that delivers outstanding reliability, greater speed, more service, and innovative technology. UPS guarantees delivery of more packages around the world than anyone, and delivers more packages overnight on time in the US than any other carrier, including FedEx. Simple shipping! Special savings! It's that easy!
For complete details or to sign up, click here.
*See Rates and Services Chart for detail of Savings and Discounts, which depend on total weekly gross shipping charges incurred.
**Savings over FedEx are based on Retail Counter Rates in the FedEx Service Guide published January 5, 2009 (http://www.fedex.com/ratetools/RateToolsMain.do).