4 Signs You're Ready for a Visa Business Credit Card

4 Signs You're Ready for a Visa Business Credit Card
Are you ready for a Visa business credit card? You might
not know this, but there are certain telltale signs to look
for. If you think you might be ready to take the next step
in business finance, these 4 tips will tell you whether or
not your instinct is right.

1. Your Business Needs Are Occupying Your Personal Credit

So you need to put a large personal purchase on your credit
card but you can't because this month's business expenses
have already maxed out your credit? You probably need your
own Visa business credit card. If your personal credit card
can't handle the volume of your business credit needs, it's
time to expand your credit horizons.

2. Your Business Isn't Being Rewarded

Now I'm not talking about rewards as in "high-interest
rewards programs" here. I'm talking about rewards such as
business travel insurance, group buying power and the other
perks associated with carrying a Visa business credit card.

Let's face it, a growing business can use all the help it
can get. Why not take advantage of everything out there --
including the benefits of a Visa business credit card?

3. Your Business Needs Its Own Credit History

Have you been in business for two years or more and you
still don't have any business credit cards? Now may be the
time to change that.

If your business is growing successfully it's going to need
its own credit history. Think of it as a child who is going
to grow up one day and needs credit of their own. Using mom
and dad's credit cards is okay to a point, but it can't go
on forever. Because of this, a Visa business credit card
(even if it's a secured card) is essential to the
development of your business.

4. You're Pulling Your Personal Credit Card Out When Trying
to Woo Clients

You take a potentially big client out to dinner and when
the bill comes, you whip out that credit card like the
success story you are. Only problem is, it's your name
emblazoned on that card -- not your company's. That might
be a problem in the eyes of some.

If your business isn't stable enough to warrant its own
credit card, is it stable enough to handle the needs of
that particular client? Do yourself a favor and get a Visa
business credit card. It will speak volumes about the
establishment of your company.

If there's one thing you can't neglect, it's the financial
growth of your business. Contrary to what some might
believe, financial growth isn't just about profit
statements. It's about credit growth as well. If you're
serious about the future of your company, it may be time to
apply for a Visa business credit card today.

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For more tips on business credit cards, saving money and
avoiding getting taken, check out CreditCardTipsEtc.com, a
website that specializes in providing credit card tips,
advice and resources.
http://www.creditcardtipsetc.com/business_credit_cards/

The Essential Facts About Buy-to-let Mortgages In The UK

The Essential Facts About Buy-to-let Mortgages In The UK
Buy-to-let mortgages are for investors and homeowners who
want to buy into the property market, purchasing houses
specifically for the purpose of letting them out to tenants.

Not only is the owner able to benefit from capital value
appreciation of the house, but also likely to be better
able to maintain the property and realise much of his loan
repayment from the income from letting. There are two
contrasting sides to this buy-to-let phenomenon. It drives
property prices higher, as it has over the last few years,
while, on the other hand, it makes a broader range of
rental accommodation available for tenants.

Buy-to-let Mortgages are different from the usual home and
property mortgages, only so far as they specifically allow
rental income to be considered income contributing to the
ability of the buyer to meet mortgage payments. In almost
all other aspects, buy-to-let mortgages are quite similar
to standard mortgages - those issued for property that the
owner will live in. The percentage of the money that the
buy-to-let lender is likely to be willing to lend is
probably restricted to a similar 80% of property value,
while term may be in the general range of a minimum of
five, to a maximum of forty-five years. Another difference,
though, is that interest rates are much more likely to be
marginally higher than those charged for a similar standard
mortgage agreement.

When you are considering buying to let, it is important for
you to do some research about the market in which you are
planning to try and let your property. It is possibly
advisable to get some help from letting agents who may know
the area you wish to purchase in. They should be able to
advise you what the demand is currently for and what the
likely problem areas are. Through careful planning and
sagacious purchase, you are likely to acquire a property
requiring minimum maintenance that would be attractive to
prospective tenants.

Avoiding, or reducing void periods, the time between one
tenant leaving and another moving in, when you receive no
rent at all will likely be your primary concern after you
have acquired the house with the help of a buy-to-let
mortgage. Although these periods cannot be eliminated
altogether, any landlord would be wise to do all in their
power, beforehand, to try to minimise the length of any of
these periods. These days, specific insurance is available
that covers such contingencies. Speak to your insurance
provider to gather all the information you can about such
products.

A number of high street banks as well as various building
societies are offering buy-to-let mortgages, while
independent mortgage brokers can recommend mortgage
arrangements not available in general but more perfect for
your requirements.

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James Grantworth is the Marketing Director for Let
Mortgages Limited, a company specializing in Buy To Let
Mortgages for the investor looking to build their portfolio
quickly & with the absolute minimum capital investment. For
full details of our no proof of rental income required buy
to let mortgage deals visit:
http://www.letmortgages.com/no-rental-income/