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http://www.businesscreditamerica.com/ 1-888-883-3013

http://www.businesscreditamerica.com/ 1-888-883-3013

Hey guys, Houston here with Business Credit America and I wanna wish all of you a Happy New Year. I hope that you all had an amazing holiday season, and now it's the beginning of a new year; and with this year coming up, a lot of things are changing. The banks are gonna be loosening up on funding. So there's more opportunities. More real estate is gonna be coming on the market for those that are real estate investors. A lot of things are gonna start easing up for you to have the opportunity to grow your business and to get access to capital to help fund the business. So in this video, what I wanna do, I wanna talk about the three things that you do not want to ever share with your banker when you're trying to borrow money. Okay. And the first one we're talking about for business loan rejection key points.

And that first key point is, when you go to a bank and they ask you, "What do you wanna use the money for?" You do not wanna respond you wanna make use of the money for a business venture, or a real estate opportunity. The reason is, you sound like a gambler. Because you sound like you wanna take their money, and see if you have the opportunity to make profits, and then come back and pay them. You don't never sound like a gambler, when you're trying to borrow money. So never use these terms in explaining why you need money. And those terms are, you do not wanna say that you're looking into a business venture, or a real estate opportunity. This is just a poor way of communicating why you need money for your business or for your start-up. So this is Houston with Business Credit America. This is our first key point. We're talking about business loan rejection key points, and I hope that this is something that you can understand, and that you can work within your plan, as you move forward to get funding for your business. I really appreciate the support, and look forward to hearing from you. Thank you.

http://BusinessCreditAmerica.com

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There are many perks to being a business owner, like being you own boss, making your own schedule, putting a higher dollar value on your time, and pride of ownership. Another great reason, you want to own a business because you can qualify for higher credit card limits and these credit cards do not affect your personal credit once you’re approved and if you’re set up as a C-corporation.

However, one the biggest most benefits are the business tax write-offs.  Business ownership does have a price, especially when you’re using the banks money to help fund the business.  The good news is that business bank fees can be tax deductible and we give you a few examples here:

Annual Fees

Annual fees on a business card are tax deductible. This may be a great way to justify getting that card with the steep annual fee that also has amazing rewards. Yes, you can write it off, but keep in mind that the primary use of the card needs to be for business purposes and not for personal use.

Late Fees

Hopefully you’re not incurring late fees on your credit cards, but mistakes happen and you sometimes forget to make a payment. Those fees can be written off for your business taxes. Of course, it’s always best to call the company and explain you simply forgot and ask if they can waive the fee this time; saving $35 is almost always going to be better than claiming a $35 tax deduction.

Interest Charges

Again, in an ideal world you won’t be paying interest on any of your purchases. But there are times when you need equipment, and there just isn’t enough cash in the bank to pay for it right away. Those interest charges are all tax deductible.

Swipe Fees (point of sales fees)

As a business owner, you pay the credit card company every time someone uses their card to pay you. These are always business-related expenses and fully tax deductible.

Miscellaneous Fees

There are sometimes other fees associated with using a credit card. For instance, your cash advance fees are deductible.  

How to discharge student loans in bankruptcy?

When you’re trying to discharge a student loan in bankruptcy, you need to know which student loans are dischargeable.  There’s a difference between a federal student loan, federal student loan serviced by a private student loan, and a private student loan?

A federal student loan is issued by the federal government and serviced by the federal government.  They have a lower interest rate and the federal government usually can forgive the balance of the loan if you are not able to make the payments. 

Now the federal student loans that are serviced by private lenders have been recalled by the federal government because the private servicer were not being flexible with the borrower with their payment plans.  Which also cause the borrower to default as well as taint the borrower credit.

The third type of student loan is from private lenders, such as Sallie Mae, Citibank, Wells Fargo, bank of America, and Navient, which is a subsidiary of Sallie Mae.  When these private lenders issue student loans they do not have the federal government protection, so those loans are treated like a regular personal loan.  Which also means that these lenders make up their own rules when issuing loan and collecting on them.  They can increase the interest rates, if you miss a payment, they’ll send you collections, file the insurance claim get your student loan paid off and then force you to may them too.

I remember all to clearly, 20 years ago, when I though 20 years was far, far away. Where did the time go? It's finally here. Those 20 years have come and gone, and I'm 43 dealing with all the issues that my mother and grandmother dealt with at my age, hormonal changes.  

Hormones influence just about every physiological response in our body including, the menstrual cycle, the reproductive system, our flight/fright response and metabolism. They are our body's chemical messengers, and can be both harmful and beneficial. So, it's especially important for every woman to know the type of foods she should consume and the types to avoid in order to obtain optimal hormonal balance and function. 

The right foods will provide your cells with the fuel it needs to make energy in order to do your body's work. The result?  Healthier hormonal secretions, and a more energized and invigorated you. Conversely, the wrong foods will cause your cells to produce more toxins and less energy, which will result in less hormone production. 

Boost your nutrition with a clean diet that balances your sugar levels. Fluctuating sugar and insulin can be quite damaging to the body. Eat several meals per day to keep your sugar levels normal and your insulin from spiking.

There are always clean, healthy, supportive foods for everyone, regardless of your eating style. 

Foods that support hormonal health

♦Phytoestrogens: Though estrogen cannot be obtained from food, plant foods contains phytoestrogens, which has isoflavones, a weak form of estrogen. Find your supply of phytoestrogen in soy beans, tofu, flaxseed, soy nuts and whole grains.

♦ Dark Chocolate

♦ Protein: Buckwheat, Quinoa, beans, lentils, nuts, soy, egg whites, fish (wild caught), chicken

♦ Healthy fats: Avocados, Ghee, Coconut, Extra Virgin Olive oil, pressed seed oils

♦ Herbes & Spices: cinnamon, tumeric, cumin, thyme, ginger, garlic

♦ Fiber: dark green leafy and colorful veggies, and fruits in moderation.    

Foods that sabotage hormonal health 

♦ Vegetable oils

♦ processed foods

♦ alcohol

♦ caffeine 

♦ Satuated fats

Hormonal imbalances affects women from adolescence through menopause. Help yourself and your situation by being proactive. Be consistent with your good, clean, balanced diet. In addition, practice other lifestyle habits like exercise and prayer, meditation, yoga, and other activities that will bring balance to your hormonal activity. 

Lots of Love & Self-care

Dixie

http://www.businesscreditamerica.com/ https://houstonmcmiller.com/home 1-888-883-3013

LEARN HOW TO GET FUNDING FOR YOUR BUSINESS BY FOLLOWING THE STEPS TO RESTORE YOUR PERSONAL CREDIT THEN BUILDING A BUSINESS RELATIONSHIP WITH THE BANKS.

Check our the other credit repair videos
https://www.youtube.com/watch?v=pOcq8g2ejFE
https://www.youtube.com/watch?v=ZfzKlDj3gHk
https://www.youtube.com/watch?v=Si_DCXdGAXo
https://www.youtube.com/watch?v=gmr9mKJNRzg
https://www.youtube.com/watch?v=m9HEwxxDrGI&feature=youtu.be

http://BusinessCreditAmerica.com

http://www.businesscreditamerica.com/   

If You wish to see your credit report without using a credit card, here are 5 Free

 As, I dig deeper into learning how to properly run my business, one thing keeps popping UP. "YOU HAVE TO HAVE GOOD CREDIT IF YOU WANT LENDERS TO WORK WITH YOU." Some banks will accept a 620 credit score but many want at least a 680 fico score. Although, you're focused on the business, you still need to personal guarantee the funding if you don't have any assets to use as collateral. In my Ebook Insiders Bank secrets, I discuss this problem and some alternatives. Moving forward. understand that having bad credit makes it more challenging to get a credit card so you can pay to see your credit report. I decided to look around, and I found 5 credit companies that you can pull your credit from for FREE without using a credit card I hope this helps some of you.

Get a professional review of your business credit file before you ask a banker or investor for money. Business Credit America knows it could be a very embarrassing and frustrating feeling to hear someone tell you that your business credit is not strong enough to be approved for a small business loan. We know what lenders are looking for in a business, and we could show you what's missing in your file that's keeping you from being approved for a loan.

http://BusinessCreditAmerica.com 1-888-883-3013

Are you a small business owner that hates tax season?  You have to think of how you can reduce your tax bill and walk away with a nice tax return.  In this video I'll share with you a few resources that could save you thousands of dollars in your small business.  Many small business owners accountants, CPA's, or Attorneys don't share these writes with the majority of their clients.

As a business owner, you may have heard that banks want to see a business plan, however that's not true. Banks want to see an action plan, which is a scaled down business plan that shows them how long it's going to take you to pay the loan back. The business plan is a road map to help keep you on track. For those that don't know what goes into a business plan here are the 7 main components.

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BIGGEST MISTAKE I MADE IN MY BUSINESS- I started my business with the notion, that if, I could lose enough money in my business it would offset my personal taxes. Although, it did help, I still lost money. You see, the thought of owning your own business, is about creating something profitable to take care of you and your love ones. Also, having something to pass on to that next generation that they can build off of because I don’t know of anyone who ever inherited a job.
Moving forward, I revaluated, why I was losing money in business. I realize that it was foolish of me to start a business just to lose money for tax purposes. I begin to learn, how setting up a business and managing it the right way, it would actually become profitable and lower my taxes.

http://www.businesscreditamerica.com/

As Black Business Owners, we seem to think at times that the reason our businesses are not growing, because we don't get enough support from our own communities. Many of us have not realize because of social networking around the world, we now have a larger audience to offer our product or service too. So, I have a Question, Please, share your thoughts.

C

http://www.businesscreditamerica.com/legal-cpn-numbers/ 1-888-883-3013

In this Video I discuss CPN NUMBER IDENTITY THEFT the 4 most common issue people have when trying to use a CPN NUMBER.

1. 80% OF PEOPLE THAT HAVE A CPN NUMBER ARE USING SOMEONE ELSE SOCIAL SECURITY NUMBER
2. THE INFO. YOU PUT INTO THE SYSTEM OVER POPULATES THE ORIGINAL OWNERS INFO.
3. PEOPLE THAT CREATE THESE NUMBERS ARE NOT REGISTERING AND DATA BASING THE INFO. CORRECTLY
4. PEOPLE ARE MERGING THEIR PERSONAL CREDIT WITH THEIR CPN NUMBERS BECAUSE THEY ARE APPLYING FOR CREDIT AT COMPANIES THEY ALL READY HAVE AN ACCOUNT WITH.

http://www.businesscreditamerica.com/legal-cpn-numbers/

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Unsecured Business Loans and Lines of Credit


You decided to become your own boss. You know what type of business you want to start.

You've decided what product and services you want to provide.

You know that every good business is built on a strong foundation but you just don't know where to begin.

Consider Business Credit Americas New business express startup program.

With the new business express startup program you could have your business up and running and built on a strong foundation in less than 30 days.

Business credit America will choose the best business structure, pick a favorable classification with the Standard Industrial Classification System, SIC, and a favorable North American Industry Classification, NAIC. With the correct classification banks will find it much easier to extend a healthy line of credit to your business.

We'll file for your Articles of Incorporation in any state you choose.


We will also file a five thousand dollar Uniform Commercial Code, UCC-1 Financial Statement to help build up your businesses credit.

 We'll provide you with the financial projection to submit to Dun and Bradstreet to help
give you a strong business credit rating.

 We'll complete all your online and offline business and government registration so you'll
have strong third party verifiers to help you get credit approvals.

You will also receive three exclusive bonuses.


We'll also choose the best structure for your business.

We'll setup your static website and connect you to popular social media channels to help you expose your brand.

Our second bonus includes our bestselling Ebook, "Insiders Bank Secrets." This book explains how to instantly increase your business Bank Rating in less than 30 days, so you can increase your unsecured lines of credit and loans.

http://www.businesscreditamerica.com/new-business-express-startup-program/

Attention All Moms - This Mothers Day let us help you protect your children under 18 with our exclusive Safeguard for Minors Progam visit

legalshieldassociate.com/idt/ccoggins

for details.

PS: Your never married children up to the age of 26 who live at home with you may also be entitled to certain benefits when combined with our other plans.

http://www.businesscreditamerica.com/

http://www.businesscreditamerica.com/business-credit-services/

 Okay. Now, I hope that you all can see that. But the thing about the business credit score, what it is and how is it affecting your business? Now, I've broken it down into three categories because these are your most important categories. You have your PAYDEX score, you have your business credit rating, and then you have your bank rating. And talking about the PAYDEX score, a lot of people are concerned about their PAYDEX score, which is 80 or above. However, the PAYDEX score is only good for trade vendors and net vendors. So, if you really don't need those type of companies, you're just trying to get funding for another project, or whatever, this really wouldn't be an impact on you because you're not trying to get trade credit or Net 30. Net 30, Net 7, Net 15, they have different wants, such as Net Vendor credit and stuff, and Trade credit. That's basically like your Seton, ULine, Grainger. And what ends up happening most of the time, we buy from these companies just to get them to report on our business credit, to get a PAYDEX score. However, the thing about it, the majority of the stuff we buy, we usually don't need it for our business.

 And so, we got stuck in this... This is mainly part of the tier system method where they teach you, set the company up, buy some Net 30s then buy another round of Net 30s, then apply for some gas cards, then attempt to apply for some unsecured cards. Usually, the tier system... I can truly attest to this, it usually will take you anywhere from nine months to a year or longer. Depends on how active you are in your business. Okay, so that's what the PAYDEX score. The PAYDEX rating is 80 or above, meaning that you're good a payer. You pay good on time, okay, and it's just mainly for vendor credit.

 Now, your business credit rating. Your business credit rating, this is important. This is an important factor because this determines if you get business loans or business credit cards. So that's what the business credit rating is. That's the reason that you'd see me on the video always telling you to update your financials. Make sure you do the UCCs, things like that. That's what affects your business credit rating. And then I told you about the different banks to go to in my ebook that tell you where to go and get those secured bank cards and stuff, because that will help with their business credit rating.

 Now, this is one that most people aren't aware of and not too many people speak of it, maybe because they don't. But the bank rating... Now the bank rating actually deals with... Well, your business bank rating. It actually deals with the activity of the business checking account in which you should have... When you're setting up a corporation, usually what I teach on, with the corporation, with C corporations, you wanna to have three accounts. You wanna have a business checking account, a business savings, and a business expense account. And in my ebook, I explain to you why you want to have those accounts set up like that. But the business banking ratings this year, is where it goes off the activity. How many deposits have been in the account? How often are you depositing money into the account? How long does the deposit stay in there? And the larger the amount of money you deposit in the bank, and the longer it stays, the higher your rating. So, the larger the amount, the longer it stays, the higher your rating.

 So, this is your bank rating. This is what really determines the amount of money they're gonna loan you. This here determines whether you're gonna get approved for unsecured credit cards and/or loans with a business credit rating. But this here, determines the amount of money. So those are the two differences there. So, you have your PAYDEX score, which is talking about your trade credit or your vendors. Your trade vendors, which describe you as Net 30s, you're Net 7s, you're net 15. Then you have the business credit rating, and this is what determines you being approved for loans or credit cards, unsecured or secured, okay. But your bank rating, that's dealing with the activity on those business bank accounts, okay. So, the more money you have in it, the longer it stays in it, determines the amount of money they're gonna loan you, future-wise. So, this is just a basic video I wanted to break down to you guys, so you can understand. If you are looking at companies, and they are not explaining this process to you, to actually help decide whether you should let them help you or you should do it on your own, then you don't need them because they should be at least explaining some of these basics to you. If they're not explaining these basics to you, they're wasting your time guys. And more likely they're gonna linger you on, so that you are paying them more money, but at the same time you're not getting any results.


http://www.businesscreditamerica.com/business-credit-services/

http://www.businesscreditamerica.com/landing/sallie-mae-student-loan-illegal-practices/

Hey guys! Houston here with Business Credit America, and today I'm just gonna get right to the point, and I wanted to talk to you all about Sallie Mae Student Loans. And I know from many of you all, may have seen my student loan video removal of Sallie Mae Student Loans. And the thing about it, you actually can't have those type of student loans because they're, not under the government guidelines. If you have government student loans, you can go to directloan.com. If you go to directloan.com, right there, all of your government student loans, they can consolidate them all into one, and they will lower your payments.

In reference to your private student loans, because they're all under FDCPA, you have the right if you have to, if you need to file bankruptcy, those types of student loans, you can, especially like Sallie Mae. Sallie Mae is a privately held company, and I tell a lot of people that call me, and I talk to them about their student loan. By them being a privately held company, they're not under the government guidelines. And so you do have a right to file bankruptcy under that because like with Wells Fargo, with Chase Bank, Sallie Mae, they all fall under...

What type... What it is is that Sallie Mae... Sallie Mae, what they were doing, they would go to the government, and they would buy student loans from the government. And then, "Okay, we're going to service these." So the government like, "Well, okay. If you service these then, you have to pay us a monthly insurance payment on these loans." See, when you took a student loan, they automatically used... But most of the time they automatically loaned you until the insurance program. And so that insurance program was for in case you default, then the insurance company pays off that loan for you. And so, like a lot of people, they don't know that.

 And if you ask for your original contract with whoever, whatever school you went to, when you signed up for Sallie Mae, if they can't produce that contract, then they should not be reported on your credit report anyway. Also, another thing that Sallie Mae does is that say, that you defaulted way back when on your loan. What they'll do to keep on the collection practices, they'll re-age your account. And so they never report the original default date. So that puts you, like you're just starting over when you actually, because of the seven year time lapse on a loan or a regular loan except for a government loan, then it should have been folding up your credit anyway. But what they do, they re-age your account so to keep the student loan on there, especially when they're not backed by the government.

http://BusinessCreditAmerica.com
Are you in bad need of money for your business but you have bad credit.  In this video, I teach you a process to acquiring a loan for your business even with bad credit. I give you the break down on what you need to set the business up properly so that the business qualifies for that loans.

Even more I teach you how to find investors for your business.

Have you ever wanted to be your own boss, but you did not have the money to start the business?  In this video, I'll share with you some great resources to help you get started in becoming a business owner.

How does incorporating your small business benefit you?  In this video, I'll share with you 7 of the great benefits of a corporation.  You'll also learn how easy it is to save thousands of dollars in your small business.