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https://houstonmcmiller.com/how-to-get-business-credit-cards10667319, https://3wayfunding.com/how-to-get-business-credit-cards, http://www.businesscreditamerica.com/ 1-888-883-3013

When trying to decide whether to use a credit union or a bank when applying for a credit card. There are a few factors to consider.

1.) With a credit union you are a member, or a stakeholder. With a bank you are simply a customer. Banks are for-profit institutions and their goal is to make money for the stockholders of the company. A credit union is not-for-profit entity and their goal is pass through the profits to the members. This comes in the form of added member benefits such as low fees and low rates.

2.) Its a misconstrued opinion that credit unions have limited branch and ATM locations. However, many credit unions belong to larger networks, such as the Credit Union Service Centers.

3.) Most credit unions offer credit cards just like a typical bank. What isn’t so typical are the exceptionally low APR rates they offer.

4.) Credit unions have many available ATMs, but they are also fee free! The average fee for an ATM is $2.33 and is on the rise. Now if you use your bank issued ATM card at a third party ATM, then you just doubled your fees. With a credit union ATM card, you can withdraw your own money fee free as long as it’s at a participating ATM. Even if you withdraw money from a third party, you may have to pay their fee, but most credit unions don’t charge for the transactions themselves. I’m too busy to walk into a branch office every time I want to withdraw some money, and I feel that I shouldn’t have to pay hefty fees when I do.

5.) At a credit union, credit cards, home equity loans, mortgages, auto loans, and personal loans all enjoy lower rates than you will find at a bank. At the same time, savings, checking, money market, and CD’s have higher rates. I don’t typically endorse putting any significant amount of your money into savings and CD’s as inflation tends to outpace them, however, most people feel more comfortable doing so and they might as well earn a higher rate!

I recently did some random surveys, where I ask people questions about budgeting.  Budgeting is a necessary evil but no one wants to do it and I couldn’t figure out why?  Because it’s a very simple process.  I even share some simple steps in my post titled How To Create a Budget in 3 Easy Steps.  So I said to myself, “when in doubt – ask.”  So I asked people everywhere I come in contact with, friends and family, clients and social media connections, these three questions:

• What frustrates you about budgeting?
• What challenges do you face with budgeting?
• What would make budgeting easier?

I received a lot of different responses.  One response was even “trying to get my husband on board.”  I had to laughed at that one.  Wouldn’t you know sometimes I have that same problem.  So I asked around and the most common responses I got were: Not having enough money; Having to create the budget; and Sticking to the budget.

Well let me tell you that last one resonates with me in a big way.  When I graduated college and started getting a real paycheck I moved out of my parents house within six months.  And I haven’t been back yet! One of things I realized very quickly was I needed to make sure all my bills for paid before I could spend money on what I wanted to.  I already knew I had a shopping problem.  Big secret right? So I created a budget for each paycheck.  I would budget six to eight months at a time so I would know when I would have the money to go holiday shopping or shopping for myself, on trips and even which months I could make lump sum payments to get out of debt.  This little schedule was great .  In fact, I still use it to this day.

As time went on, I could never figure out why I didn’t have enough money.  Then I would get a new job with a higher salary but the same thing would happen.  It was years before I realized that I was good at creating a budget but I sucked at following the budget.

So to help you avoid or to stop having the same problems I had, here are solutions to the top three responses.

1. Not having enough money. This is a terrible excuse.  You don’t have enough money because you don’t have a budget to begin with.  You need to create a budget so that you can know where you need to spend money, including saving or paying yourself first.  Whether you are getting paid $5,000 a week or $5,000 a month, you need to ensure that all your costs are covered.  And if all your costs are not covered, that’s when you will know it’s time to ask for that raise or move on to other things.  But my guess, you will be just fine when you see all of the unnecessary things you spend your hard earned dollars on.  It’s just going to take  a little self control.
2. Having to create the budget.  Not sure why people have such a hard time with this one.  If you do, then you are definitely over thinking things.  Here is the link again for How To Create a Budget in 3 Easy Steps.  Doesn’t matter if you’re doing a budget for a business or for your household, the same rules apply.  The only difference is for a household, you may not need to budget a full year.  Six months will do just fine.
3. Sticking to the budget.  Now this I get.  It’s the shiny toy syndrome.  Every time you see something shiny and new you just have to have it, right? WRONG? You don’t need to be a walking model with all the hottest clothing trends.  And you don’t need to buy a new cell phone every time they come out with a new version.  You need to develop a system for tracking your costs.  A system you can stick to.  And try and make it fun.  Enlist a friend, turn it into a game or reward yourself.  When you have a prize waiting for you, you are more inclined to follow through.

Now it’s your turn. What frustrates you about budgeting? What challenges do you face with budgeting? What would make budgeting easier?

I know right? Only 90 days until 2013. And if you haven't thought about it yet, ask yourself... what have you done in 2012? If you own a business, have you met your financial goals for 2012 so far? Have you met your customer service goals for the year? Did you even start the business you wanted to or are you still thinking and talking about it? What about if you have started a movement, does the world know about your cause? Did you get the job or start the career you wanted?

Well, if you haven't met your goals, I'm here to tell you that you still (or ONLY) have 90 days to reach your goals for 2012. You should start a countdown now to push yourself to meet your most important goals. If you are looking to get started in 2013, this is a great time to begin your planning process. You should be planning how you are going to be successful in 2013. You should be writing your business plan, looking for investors, or figuring out how you are going to finance your business.

For some of you, the answer will be positive. For those of you that have met your goals so far, I applaud you for working so hard! For those of you that do not have a positive answer, this is not to make you feel like a failure but it is a friendly reminder to wake up and ask yourself, WHAT HAVE I DONE IN 2012??

Let's get to work and make the last 90 days prosperous!

We would love to hear from those that have had a good 2012, how did you do it? What advice do you have for those still trying to meet goals in the next 90 days?

__________________________________________________________________________________

If you are looking for a business model where you can gain FAME, FINANCIAL FREEDOM, and FUN, I have an option that can make you a famous blogger within the next 90 days! Just think of me as your agent :). Find out more information here => BeFamousOnline2 Info. OR you can join my Be Famous Online 2 Team and start working with me here => BeFamousOnline2 toward your journey to Be Famous Online Too!

Protect your Identity and Social Security number with a CPN (Credit Profile Number).  Learn the secret that celebrities, government officials,and pro athletes use to protect their identity and get all the credit they want with out using their social security number.  Learn More @ http://GoodCreditUnion.com

4 Starter Companies to Help Get Bad-Credit-Business-Loans Business loans are very difficult to obtain in today’s challenging economy especially if you have bad credit. Many people are closing their small-businesses because they have bad credit. Lenders such as banks and credit unions have even made if hard on people with good credit scores.

Now, that does now mean it’s impossible to get business funding with bad credit, it just means you have to be a little more creative. The creative process starts by finding trade vendors that will give you credit regardless of your personal-credit. I done a little research and found 4 trade vendors or net 30 companies that would be more than willing to help you startup you business-credit file. If you order from these companies first, they will automatically create you a Dun and Bradstreet report that way you don’t have to purchase their product just to get a Dun’s number.

The four companies that will give you credit regardless of your personal-credit are Grainger, Nebs, Uline and Rapid Forms. You do not have to pay up front they will automatically give you trade vendor credit to help you establish yourself for a business loans and create a paydex score with Dun and Bradstreet.

This is just an alternative to helping you get funding with bad-credit. If you would like to get you’re personal-credit repaired in less than 30 business days then I recommend you check out Good Credit Union (http://www.goodcreditunion.com/), there fast reliable and comes with a 100% money back guarantee.

During our biggest decisions we are subject to on the job training  called  LIFE for example:

• What  are your options for health insurance  and how to make the most of  all the changes.
• How debt collection and bankruptcy works and how you need to be aware of your rights.
• How to get a copy of your credit report and how to dispute incorrect information on it

Many times we need to make a decision quickly .

Now there’s a better way

You will find great guides and presentations that will open your eyes up to options on health  , finances, savings and insurance options  through educational resources so you can more informed decisions.

Get Instant Access

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Students Seeking Education by Experiencing Academic America. (S.E.A.)
a Houston, Texas based mentoring program for high school students,

students at-risk, and college bound student, wanting to attend an
Historically Black College / University, (H.B.C.U.)

S.E.A will post a scholarship for minority students each day. If you are a high school, junior, senior or a transferring college student, these scholarships are for you!

FREE MONEY! We all know through life there is nothing Free;
you have to apply to receive this money.

Your cost is - time!

The time it takes to fill out the scholarship application.

Look for the S.E.A. blog each day, highlighting a new scholarship listing 2011/2012
SCHOLARSHIP OF THE DAY
2-2-2012

Do Something Awards Scholarship

Are you one of the nation's best young world-changers? Do Something Award nominees and winners represent the pivotal "do-ers" in their field, cause, or issue. In 2012 (up to) five finalists will be rewarded with a $10,000 community grant, media coverage and continued support from DoSomething.org The grand prize winner will receive $100,000 during the nationally televised broadcast.

Five $10,000 awards, one $100,000 award

March 1, 2012

http://www.dosomething.org/

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(New scholarships posted everyday)

Students Seeking Education by Experiencing Academic America. (S.E.A.)
a Houston, Texas based mentoring program for high school students,

students at-risk, and college bound student, wanting to attend an
Historically Black College / University, (H.B.C.U.)

S.E.A will post a scholarship for minority students each day. If you are a high school, junior, senior or a transferring college student, these scholarships are for you!

FREE MONEY! We all know through life there is nothing Free;
you have to apply to receive this money.

Your cost is - time!

The time it takes to fill out the scholarship application.
Look for the S.E.A. blog each day, highlighting a new scholarship listing 2011/2012
SCHOLARSHIP OF THE DAY
2-1-2011

National Sales Network Scholarships

The National Sales Network (NSN), an association of African American sales professionals, is giving out ten (10) $1,000scholarships. To qualify, you must be a college student interested in business, sales & marketing careers (full time student).

Scholarship winners will receive a $1,000 scholarship, an all expense paid trip and complimentary admission to the NSN Annual National Conference and Career Fair, an opportunity to interview with Career Fair companies, and a one year membership to a local NSN chapter.

The deadline for applying is April 1, 2012. To enter, go to http://www.salesnetwork.org.

Scholarship/Grant Amount: $1,000 Scholarship

Grant Deadline: April 1, 2012

Majors Targeted: Scholarship/

Grant Sponsor: National Sales Network

Award Type: Scholarship Money

Scholarship/Grant Site: http://www.salesnetwork.org

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Do you think your debt problems are insurmontable?  Listen and learn how this phenomenal author and entrepreneur Aleysha Proctor conquered her seventy thousand dollar debt demon. The fact is that wealthy women think, act and do things differently. Listen to the podcast online at Wealthy Radio

If you would like to learn how to manage your finances like a wealthy woman join the A Purse of Your Own Campaign  to financial empower one million women. 

Deborah Owens is a Wealth Coach and author of the critically acclaimed book A Purse of Your Own published by Simon and Schuster.  She is host of Wealthy Lifestyle Radio on the NPR affilliate WEAA 88.9 FM.  Listen online at Wealthy Radio  WEAA 88.9FM
 
 
 
 

MARTIN LUTHER KING JR. DAY

"I HAVE A DREAM"

(New scholarships posted everyday)

Students Seeking Education by Experiencing Academic America, (S.E.A.)

a Houston, Texasbased mentoring program for high school students,

students at-risk, and college bound student, wanting to attend an

Historically Black College / University, (H.B.C.U.)

S.E.A will post a scholarship for minority students each day. If you are a high school, junior, senior or a transferring college student, these scholarships are for you
FREE MONEY! We all know through life there is nothing Free;

You have to apply to receive this money.

Your cost is - time!
The time it takes to fill out the scholarship application.

Look for the S.E.A. blog each day, highlighting a new scholarship listing 2012

SCHOLARSHIP OF THE DAY
1-15-2012

Castle Ink Paperless Scholarship

The Castle Ink Paperless Scholarship is available to students who are currently enrolled in college or planning to attend college in 2012 or 2013. You must be a resident of the U.S. to be eligible for this award. To be considered, you must submit a short essay, YouTube video, tweet, or Facebook status that explains how you "reduce, reuse, and recycle."

Scholarship/Grant Amount: $1,000.00
Scholarship/Grant Deadline: March 31, 2012
Majors Targeted:
Scholarship/Grant Sponsor: Castle Ink Cartridges
Award Type: Scholarship Money

Scholarship/Grant Site:
http://www.castleink.com/_ink-scholarship-paperless.html

S.E.A. HBCU ADMISSION TOUR
JUNE 25-30, 2012

Visit S.E.A.
Website: WWW.SSEEAA.COM

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(New scholarships posted everyday)

Students Seeking Education by Experiencing Academic America. (S.E.A.)
a Houston, Texas based mentoring program for high school students,

students at-risk, and college bound student, wanting to attend an
Historically Black College / University, (H.B.C.U.)

S.E.A will post a scholarship for minority students each day. If you are a high school, junior, senior or a transferring college student, these scholarships are for you!

FREE MONEY! We all know through life there is nothing Free;
you have to apply to receive this money.

Your cost is - time!

The time it takes to fill out the scholarship application.

Look for the S.E.A. blog each day, highlighting a new scholarship listing 2011/2012

SCHOLARSHIP OF THE DAY
12-19-2011

Ralph W. Shrader Diversity Scholarship

The Ralph W. Shrader Diversity Scholarshipwas developed to provide educational opportunities for talented individuals pursuing advanced degrees at the master's level and to acknowledge and honor the unique contributions of Dr. Ralph W. Shrader, the only AFCEA Chairman of the Board to be elected to two different two-year terms. Dr. Shrader championed increased opportunities for women and minorities in the communications and electronics fields.

The AFCEA Educational Foundation is grateful to Booz Allen Hamilton for providing the initial investment to establish the Dr. Ralph W. Shrader Scholarship fund.

The Ralph W. Shrader Diversity Scholarship will be provided directly to the winner and is in addition to any other funds which the student may receive. Presentation will be made by a representative from the AFCEA Educational Foundationand whenever possible, Dr. Shrader or a designated representative from Booz Allen Hamilton.

Scholarships of $3,000each will be awarded to full-time graduate students currently working toward a master's degree in the following or related fields of electrical, electronics, chemical, systems or communications engineering; physics; mathematics; computer science; computer technology; or management information systems. Majors directly related to the support of U.S. intelligence or national security enterprises with relevance to the mission of AFCEA will also be eligible.

ELIGIBILITY: Candidate must be a U.S. citizen currently enrolled full time in a master's degree program at an accredited university in the United States. Primary consideration will be given for demonstrated academic excellence.

Majors Targeted: :Applied Mathematics::Applied Physics::Chemical Engineering::Computer and Information Science::Computer Hardware Engineering::Computer Systems Analysis::Electrical Engineering::Electronics::Electronics and Computer Technology::Mathematics::Physics::Computer Software Engineering::Business Information Systems:

PLEASE NOTE: At least two letters of recommendationwill be required from field-of-study professors.

Instructions on electronic submission of the Recommendation letters will be provided to the endorsers as part of the On-line Application process. Letters will be addressed to:

Mr. Fred H. Rainbow

Vice President and Executive Director

AFCEA Educational Foundation

4400 Fair Lakes Court Fairfax, VA 22033

An official transcript reflecting all college-level study will also be required. These items must arrive by the deadline date - electronic submission is preferred.

The AFCEA Graduate School scholarshipsseek to reward excellence for demonstrated effort at the master's level of study, rather than the potential for such excellence. Please read the requirements carefully to determine specific eligibility before submitting an application.

Scholarship/Grant Amount: $3,000

Scholarship/Grant Deadline: May 1, 2012

Scholarship/Grant Sponsor: AFCEA Educational Foundation

Award Type: Scholarship Money

Email Address: scholarshipsinfo@afcea.org

Scholarship/Grant Site: http://www.afcea.org/education/scholarships/graduate/grad2.asp

If you have any questions regarding your eligibility, please contact the Educational Foundation via the SCHOLARSHIP WEB SITE.

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(New scholarships posted everyday)

Students Seeking Education by Experiencing Academic America. (S.E.A.)
a Houston, Texas based mentoring program for high school students,

students at-risk, and college bound student, wanting to attend an
Historically Black College / University, (H.B.C.U.)

S.E.A will post a scholarship for minority students each day. If you are a high school, junior, senior or a transferring college student, these scholarships are for you!

FREE MONEY! We all know through life there is nothing Free;
you have to apply to receive this money.

Your cost is - time!

The time it takes to fill out the scholarship application.
Look for the S.E.A. blog each day, highlighting a new scholarship listing 2011/2012

SCHOLARSHIP OF THE DAY
12-26-2011

TEXAS AFRICAN AMERICAN MALE

The Dallas Foundation/Dr. Dan J. and Patricia S. Pickard Scholarship

The Dr. Dan J. and Patricia S. Pickard Scholarship Fund was established at the Dallas Foundation in 2004 to assist African-American male students in Dallas County. Dr. Pickard was an optometrist and founder of the Pickard eye clinic. He believed that if you did something nice for someone and they do something nice for someone else, you can affect the lives of many people. The Scholarship Fund is his way of "passing it on".

AWARD INFORMATION

Award Amount: $1,000 - $2,000

Number of Awards: 1 - 2

Application Deadline: April 1, 2012

Available to Class Level: Freshmen

Renewability: Renewable

ELIGIBILITY REQUIREMENTS

Minimum GPA Required: 2.5

Ethnicity/Heritage: African-American/Black

Residency: Texas

Gender: Male Student

Religious Affiliation: None specified

Location of College: State of Texas

Area of Study: None specified

Financial need analysis is required

SCHOLARSHIP SPONSOR

Organization: Program Associate The Dallas Foundation

900 Jackson Street, Suite 705

Dallas, TX 75202

Telephone: (214) 741-9898

Fax: (214) 741-9848

E-mail: scholarships@dallasfoundation.org

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Website: WWW.SSEEAA.COM

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Follow on Twitter @sseeaa2011

(New scholarships posted everyday)

Students Seeking Education by Experiencing Academic America. (S.E.A.)
a Houston, Texas based mentoring program for high school students,
students at-risk, and college bound student, wanting to attend an
Historically Black College / University, (H.B.C.U.)

S.E.A will post a scholarship for minority students each day. If you are a high school, junior, senior or a transferring college student, these scholarships are for you!

FREE MONEY! We all know through life there is nothing Free;
you have to apply to receive this money.

Your cost is - time!
The time it takes to fill out the scholarship application.
Look for the S.E.A. blog each day, highlighting a new scholarship listing 2011/2012

SCHOLARSHIP OF THE DAY
11-03-2011

Gen and Kelly Tanabe Scholarship Program

The Gen and Kelly Tanabe Scholarship is
open to ninth through twelfth grade high school students, college students, and graduate students who are legal U.S. residents. Students not currently in school must plan to enroll in a higher education program within 12 months. You must submit a 250 - word personal statement to be considered for this award. The award may be used for tuition, room and board, books, or any related educationalexpense. You will be directed to the scholarship provider's website. There, you can begin your application for this scholarship.

Type of Award: Scholarship

Deadline: December 31, 2011

Applicable Majors: All Fields of Study

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Visit S.E.A. Website: WWW.SSEEAA.COM

(For more information scan with you Smartphone)

(New scholarships posted everyday)

Students Seeking Education by Experiencing Academic America. (S.E.A.)
a Houston, Texas based mentoring program for high school students,

students at-risk, and college bound student, wanting to attend an
Historically Black College / University, (H.B.C.U.)

S.E.A will post a scholarship for minority students each day. If you are a high school, junior, senior or a transferring college student, these scholarships are for you!

FREE MONEY! We all know through life there is nothing Free;
you have to apply to receive this money.

Your cost is - time!

The time it takes to fill out the scholarship application.
Look for the S.E.A. blog each day, highlighting a new scholarship listing 2011/2012

SCHOLARSHIP OF THE DAY
12-6-2011

Joshua David Gardner Memorial Scholarship Endowment

The Joshua David Gardner Memorial Scholarship Endowment Inc., was established in June 2007 to provide scholarships to undergraduates attending historically black colleges and universities.

Scholarship Eligibility Criteria:

Open to United States citizens (ages 17-25) who are admitted or enrolled in an accredited four-year historically black college or university in the United States with a minimum grade point average (G.P.A.) of 3.0/4.0. Official Academic transcripts from high school or an accredited four-year college or university; Student must be seeking a bachelor’s degree or certificate of completion from an accredited institution and be a full-time or part-time student. Must provide an acceptance letter from the higher learning institution you are planning to attend.

Students should have ACT score of 19 or SAT score of 1000.Unofficial copies are acceptable

Three letters of reference must be submitted, one from an academic reference, attesting to the applicant’s character, leadership ability, and academic ability.

A 500 word essayon the topic of “The importance of personal integrity for leaders.”

A completed application form. There are no major or field of study criteria or requirements Funds must be used for tuition, fees, and/or books Scholarship funds are not renewable Number of Awards: At least a one-time $2,000 scholarship will be awarded annually.

Applications are accepted October 30, 2011 to April 30, 2012. Selected awardees will be notified in writing by May 2012. Awards will be disbursed directly to the institution of higher education on or before

August 1, 2012.

Scholarship/Grant Amount: $2,000

Scholarship/Grant Deadline: April 30, 2012

Joshua David Gardner

Memorial Scholarship Endowment, Inc.

Award Type: Scholarship Money

Contact Person: Eugenia Gardner Email Address: gardner@joshgardnerendowment.org

Scholarship/Grant Site: www.joshgardnerendowment.org

Visit S.E.A. Website: WWW.SSEEAA.COM

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(New scholarships posted everyday)

Students Seeking Education by Experiencing Academic America. (S.E.A.)
a Houston, Texas based mentoring program for high school students,
students at-risk, and college bound student, wanting to attend an
Historically Black College / University, (H.B.C.U.)

S.E.A will post a scholarship for minority students each day. If you are a high school, junior, senior or a transferring college student, these scholarships are for you!

FREE MONEY! We all know through life there is nothing Free;
you have to apply to receive this money.

Your cost is - time!
The time it takes to fill out the scholarship application.
Look for the S.E.A. blog each day, highlighting a new scholarship listing 2011/2012

SCHOLARSHIP OF THE DAY
10-26-2011

Odenza Marketing Scholarship

The Odenza Marketing Scholarship is available to students in the U.S. and Canada who are between the ages of 16 and 25. You must submit two (2) 500 - word essays to be considered for this award. A minimum 2.5 GPA is also required.

Scholarship/Grant Amount: $500.00

Scholarship/Grant Deadline: March 30, 2012

Majors Targeted:

Scholarship/Grant Sponsor: Odenza Marketing Group, Inc.

Award Type: Scholarship Money

Scholarship/Grant Site: http://www.odenzascholarships.com/

Visit S.E.A. Website: WWW.SSEEAA.COM

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(New scholarships posted everyday)

Students Seeking Education by Experiencing Academic America (S.E.A.)

an Houston, Texas based mentoring program for high school students, students at-risk, and college bound student, wanting to attend an Historically Black College / University. (H.B.C.U.).

S.E.A will post a scholarship for minority students each day. If you are a high school, junior, senior or a transferring college student, these scholarships are for you!

FREE MONEY! We all know through life there is nothing Free; you have to apply to receive this money.

Your cost is - time!

The time it takes to fill out the scholarship application.

Look for the S.E.A. blog each day, highlighting a new scholarship listing 2011/2012

SCHOLARSHIP OF THE DAY

10-18-2011

Top Ten List Scholarship 2011

ScholarshipExperts.com is again offering the Top Ten List Scholarship and will award three scholarships of $1,000 each.

Applicants must:

Be thirteen (13) years of age or older at the time of application

Be legal residents of the fifty (50) United States or the District of Columbia

Be currently enrolled (or enroll no later than the fall of 2017) in an accredited post-secondary institution of higher education

Submit an online short written response (250 words or less) for the scholarship topic:

“Create a list of your 10 favorite books and what they have taught you.”

Application Deadline:

December 31, 2011

at 11:59 pm Eastern Time

Complete scholarship program rules for the Top Ten List Scholarship.

Scholarship winners will be notified on or around February 29, 2012.

Website: http://www.scholarshipexperts.com/rules.htx?selected=topten

VISIT S.E.A. WEBSITE: WWW.SSEEAA.COM

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