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No transfer fee business card

It is normal for many credit card holders aspire for a higher credit card limit. With this allowance will enable them to purchase higher price items or even unaffordable merchandises.

First and foremost, credit card holders need to remember that to get a higher credit card limit, they must abide by the terms and conditions of the credit card company or bank. Below are 7 other ways to increase credit card limit: 1. Attract positive attention from the Credit Card Company or bank by paying finance charges once in a while. Obviously, this is not advisable on a repeating basis and should only be used as a last resort to increase your chances of getting a higher credit limit. Proving to credit card companies and banks that you are good "borrower" can be a convincing way to get a higher credit limit. But be careful because this strategy also means that you will be paying no fee business transfer card finance charges which can accumulate in a hurry. And always remember, a higher credit card limit means greater purchasing power, but it also increases the risk of your having to pay greater interest charges and other processing and late fees. 2no transfer fee business card . The best and simplest strategy for getting a higher credit card limit is to use your credit card wisely. Always keep in mind that credit card companies keep a record of your transactions and payment patterns, so always pay on-time. 3. Never make minimum payments. Instead, try to pay for the entire outstanding amount. This will usually give you a better chance of getting a higher credit card limit. 4. Use your credit cards regularly. Donít keep your cards for emergency use only. If you use your credit cards sparingly, banks and credit card companies will be unable to understand your spending and pay-back behavior. Under these circumstances, most banks and credit card companies will be reluctant to give you a higher credit card limit. 5. Always spend within your credit card limit because doing so means that you are capable of controlling your expenses. 6. The most important thing to do for getting a higher credit card limit is to prove your credit worthiness. This is the first thing that banks and companies look for when giving a higher credit limit. 7. Avoid late payments as much as possible. Not only will your increase payment increase, but you may also have to pay an additional fine for not clearing bills on time. This will also dim your chances of getting a higher credit card limit. The key is that your performance in the records of banks and credit card companies will determine whether youíll get a higher credit card limit or not.2

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My favourite subject. Investment. Investing in your own ecommerce business is the best, most time efficient way to make money. But to grow real wealth you need to diversify into other investments as well. Your ecommerce business (or other business / high paying job) provides the cash for investing. It is the interest earned of those investments however that pays for your luxury lifestyle.

1. Real Estate investment.

The most important and first investment you should make is to buy your own home. Initially live off your income from your ecommerce business by paying yourself a modest wage. Save the rest for a deposit on your own home. Decide where you want to live and go house hunting there. The real estate market moves in cycles.

The top of the cycle is definately not the time to own investment residential property. If you own it, sell it, especially if you have a mortgage over it or you may end up owing more than the property is worth. Remember if your equity in a property drops below a certain level the bank can foreclose on your property even if you have never missed a payment. Many people have come undone that way.

When it does become time to invest in property again, seize the day! Investing in property can be very lucrative as you can be paid four ways -

If you buy below market value (as you always should) you make immediate equity.

If you buy a positive cashflow property you get paid weekly. A positive cashflow property is one where the money you collect in rent is more than the outgoing expenses for the property.

In many countries you can can tax advantages by owning property using depreciation. You can gain capital growth by buying a fixer upper and renovating. You also get capital growth over time if you buy at the bottom of the cycle.

Factors that affect the property cycle include -

supply and demand

interest rates

migration & population

economic growth


zoning and planning

what returns are being had in other investments

and confidence which is affected by positive or negative media reporting on property.

When buying investment property never, ever buy on emotion. Emotion IS a factor when you are buying your family home, you have to love it. But emotion has no place in investment decisions. Buying investment property is all about the figures. Never be afraid to walk away from an opportunity as there are always plenty more. Don't buy property at auction as the emotions of the participants often push the price too high. And you don't need to live in an investment property so don't impose your own personal standards on it, your tenants will accept a lower standard of living than you will.

Always do due diligence on any potential property purchase. This includes a building inspection by a qualified builder and also get a pest inspection done. When you decide to buy and you hire a conveyancer to handle the legals always make sure the contract you sign is subject to legal due diligence. That way if your conveyancer finds some legal problem you can get out of the deal.

I recommend you set the following rules for yourself when buying investment property. Buy at a minimum of 10% under market value, only buy properties that are positive cashflow and/or high capital growth, buy properties that can be value added with a cosmetic makeover and only buy houses or blocks of apartments because the land it sits on is what gains value. The buildings themselves depreciate over time.

So how do you find below market investment properties? Look for sellers who are selling because of death, divorce, bank forclosure, because they are moving and have a deadline or sellers who don't know what they are doing. I'm not suggesting you rip people off but equally you are not their mother, your responsibility is to you, they can look after themselves. If they accept your low offer price that's their business. Hot deals can often be found in the local newspapers, look for words in the ads like urgent, desperate, heavily reduced, well below valuation, transferring overseas, vendor has already bought etc.

Investment property hunting can be a long frustrating business but it's more than worth it. I follow the 100-10-3-1 rule. Look at 100 properties, put offers in on 10, have 3 accepted and buy 1. If you don't review enough properties you will not understand enough about the market values and returns in any particular area to pick a winner.

Whatever you do, be careful trusting real estate agents. Many agents will do whatever it takes to earn their commission check. They often recommend auctions as they shut out other agents, unlike general listings. Always remember agents work for themselves not for you. Be prepared to be knocked, mocked, spoken to in a condescending manner and generally treated as though what you want is unachievable. Buy privately if at all possible.

Do use agents to manage your tenants for you though. Tenants are an even bigger pain in the neck than agents. Also if a tenant does something illegal in your property you as the owner don't want to also be the manager or the police will try to implicate you in the conspiracy so they can sieze the property.

The wealthy don't follow the crowd. They buy when shares, property etc are unpopular and cheap after they have identified the future trends based on what is going on in the world around them. The wealthy sell when the crowd wakes up to late and jumps on the bandwagon. The wealthy are contrarian investors. Most investors are afraid to invest in this way because at first they appear wrong. It takes guts to invest this way but you always get the last laugh.

This is why the luxury lifestyle is enjoyed by so few in society. Don't be a sheep, be the wolf. Hunt, don't follow. Seek out the best advice, ask yourself.....does this fit into my personal circumstances? If it does then act.


With shares, always employ risk management strategies. Always use stop losses on any investment you make. Decide in advance how much you can afford to lose on any one investment. If your investment drops in value by that amount (I recommend a 15% stop loss in general for shares) sell it. Don't hang in there hoping it will get better. Cut your losses. Not even the best investment gurus get it right everytime. Also use position sizing in your investments. Invest the same amount of money in every share investment. If you have $10,000 to invest in 10 companies, then invest $1,000 in each. Don't put more in one company because it appears to be doing better than the others. Don't put too many of your eggs in one basket. These two tips are the basics of all risk management strategies of the successful investor. You can't always win but you can control how much you lose. In the above example if you invest $10,000 in 10 companies ($1,000 in each with a 15% stop loss) and two of your stock picks turn out to be duds you limit your losses to $300.

3. Final advice

If I had to choose the 3 most important things I have learned from the wealthy they would be these.

Don't spend money on depreciating assets until you are spending your interest from your investments. Then you can live a little. Certainly never borrow money to buy depreciating assets.

Limit your losses. Ask yourself what is the worst that can happen. Manage that risk to a level you feel is acceptable then go for it. Stick to your risk management plan when you make a mistake.

Learn from your mistakes and more importantly learn from the mistakes of others.

Happy investing.

There has been a rapid growth in the availability of zero per cent rates in the credit card industry. These have been caused by the combination of very low national interest rates, and the injection of fierce competition from American lenders such as Capital One. The UK credit card industry is now recognised as one of the most sophisticated and competitive credit card markets in the world.

One of the most popular innovations in the past number of years has been the introduction of the zero per cent balance transfer. This has revolutionised the finances for many indebted customers. How it works is if you have very high interest charges on one of youíre out standing credit card balances, then you can transfer it to a new credit card. In exchange for getting your business in this way, the new credit card provider will give you a zero per cent interest rate on the sum transferred for a period of usually, six to nine months.

While taking advantage of these zero per cent offers is highly advisable, as it can save you literally hundreds on interest charges, there are still precautions that you should take if you wish to avoid some costly mistakes. The first thing to realise is that there are different types of zero percent. What you will most likely come into contact with is zero per cent on balance transfers or zero per cent on purchases. You must not confuse the two.

If you have zero per cent on balance transfers then that will not mean you have zero per cent on purchases, so any purchases you make during your zero per cent period will not be at zero per cent but at your standard rate. This can be very important if we look at the situation using an example.

Supposing you have five thousand pounds on a credit card a 15%. If you transfer this to a card that gives you 0% on balance transfers for nine months you will save hundreds on interest. However, supposing the new card has a standard rate of 15% also. Now, if you have your five thousand on it safely at 0%, but suppose you make one hundred pounds worth of purchases. And then you pay back one hundred pounds; the one hundred you pay back will be applied to the first one hundred of the five thousand-balance transfers. This will leave you with 4,900 left at zero per cent on the balance transfer, and 100 as a purchase that attracts the standard 15%.

In this way you can quickly see how a zero per cent balance transfer can become a 15% purchases balance.

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