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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!

https://3wayfunding.com/optin, http://www.businesscreditamerica.com/ 1-888-883-3013

How do I get a mortgage with bad credit?

Being a homeowner is a great feeling.  You know you’ve made some progress in your life, when you’re no longer a renter but instead an homeowner.  However, many of us struggle to get the chance to own a home because we have bad credit.  

Now, you don’t have to be discourage anymore, because there are home buying programs and lenders willing to help you become a home owner even with bad credit.  Although, they may have a few extra criteria’s, you can buy a piece of real estate. 

With the FHA mortgage program, their criteria’s are fairly simple.  They would like for you to have a minimum credit score of 580, 3 to 6 months of paystubs, 2 years of taxes, and debt to income ratio of 35%.  They also want you to have a down payment of 3.5% of the mortgage value and you can even borrow that from a friend or family member.  Another nice thing about the FHA mortgage program, if you have relative living with you, they will include their income to help you qualify for that mortgage.

There are also conventional mortgages that also have become very flexible when working with new home buyers, such as allowing a home buyer to put 3% down on that house.   Also, they’ve made it easier for veterans to buy a home with no down payment.

So, can I buy a home with bad credit? The answer is yes, however I would encourage to fix your bad credit so you can get a lower interest rate.

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.

Don't Go Another Year With BAD CREDIT

Get this free personal credit ebook when you purchase the business credit educational program.  You’ll learn how to:
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http://BusinessCreditAmerica.com

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

Should I Co-sign A loan, credit card, or Apartment for a Family member?

If you’re a parent then I suggest to add your kids on your credit accounts as authorize user.  This will build up their credit, so you as the parent will not need to co-sign for their student loans, cars, and apartments. 

Now, if you have a family member or love one that having credit issues and they ask if you would sign for them a car, credit card, or apartment, then I would suggest you not to do it.  The reason is that it could ruin the relationship.  For example, if a family needs to move into a new apartment and they ask you to co-sign and you decide to do it.  If that person loses his or her job, then you’ll be stuck with making the payments or ruining your personal credit and the relationship.

I always suggest if a person is having credit issues offer to help them repair their personal credit, if they refuse, then you know that person is not the one to be offering help too.  Some may argue that you should look at how financially responsible the person is in order to determine if it’s worth you putting your good personal credit on the line.  However, you must factor in that things could happen to the person or their employment and that may leave you on the hook for extra bills.

So, in conclusion, I would suggest find other ways to help them, rather reserve the relationship then jeopardize personal credit if the person is not will to fix their own credit.

https://houstonmcmiller.com/business-credit-cards-and-personal-credit-cards-program8408213, https://3wayfunding.com/how-to-get-business-credit-cards, http://www.businesscreditamerica.com/, 1-888-883-3013

How to get a business loan for people with bad credit?

The easiest way to get a business loan for people with bad credit is to take out a loan thru your 401k plan it’s called a ROB (ROLL OVER BUSINESS LOAN).  If you don’t have a 401k or Roth, you may want to consider putting up some assets for a collateral loan.  It’s a lot of lenders that will ignore your personal credit if you have an asset to borrow against.  Those assets make be a piece of land, a car, or a family heirloom.

However, if you don’t have any assets to use as collateral, you make want to borrow the money from a family member of a friend or ask them if they would be willing go into business with you.  You make want to also start putting a small portion of your paycheck aside to help you move toward you goal of saving up to start your business.  

Now depending on what type of business you’re going into, you make be able to pick up a few clients and see if they will give you an advance toward future business. 

Most don’t realize it really does not cost a lot to start a business the issue for most is finding the right customer for your product or service.

houstonmcmiller.com, houston@businesscreditamerica.com 1-888-883-3013

Learn how to read your credit report and understand the credit score.

35% is for payment hstory
30% amount owned
15% line of credit history
10% CRedit used
10% new credit account

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

Testimonials tell the story of Leads can Lead to Success with A little investment and persistence

Have you really wanted success? Has success seemed to elude you? Have you ever wondered why other people have been enjoying more than you do?

It is not because you are not smart. It is not because you are a bad person. It is because other people have plugged into systems which generate them cash flow.

How well do you think sand sells in the desert? Do you think that the Eskimo needs to buy more ice? I know those seem like obvious questions, but they are relevant. In business especially when dealing with Home Based Business people the successful ones are focused on one activity. That activity is acquiring the next customer or business partner.

So when one them is approached with another opportunity, their usual response is how is this going to help me fulfill my main purpose of acquiring the next customer or business partner. This is where being able to offer a tool or service that will help the home based entrepreneur get what they want.

The question on your end might be “How does this help me fulfill my purpose of getting my main product sold and getting people to join my organization?” The way it helps you is that it helps you to build a relationship with your potential prospect. While you are reaching out and building relationship why not earn some extra money. In the video you will see several people who have been having outstanding success offering lead generating tools for a 1 time fee. Watch the video and see if it something that will be helpful for your venture. If it is you can get started at http://uc.ispaiddaily.com

Up-Grade Ultimate Cycler Testimonials By... by 1leadsbroker

About the Author

Clarence Coggins is an Internet Market. He has extensive experience with applying Web 2.0 technology in the promotion of business and educational ventures. He also works a Leads Broker with the Silver Fox Leads Factory to contact him you can email thebestleadscompanyintheworld@gmail.com or call him at 973-943-4073.

http://BusinessCreditAmerica.com 5 Reasons Internet Marketers Fail in Business.

In this video I discuss why Internet Marketers fail in business and how to avoid these failures.  
goo.gl/ycLkHf
1. Internet Marketers or online marketers don't know how to properly structure their business.  They seek out help from companies like Legal Zoom to help them structure the business.  However, companies customer support  does not understand that their is more things that go along with structuring the business then just filing some secretary of state paperwork.  The clients business must be properly registered online in multiple data bases, so the company can get the exposure it needs from 3rd party companies.

2.  Many internet marketers don't use their own products.  This is a problem because if you don't know your product then it becomes challenging then to get someone else to purchase and use your product.  The force their products on potential customers not knowing if that  product it right for that customers. 
goo.gl/ycLkHf

3.  Internet Marketers need to build relationships with their customers.  Building a good relationship before and after they purchase from you.  This help builds the customer confidense that they made the right choice in purchasing from you. You never want a customer to have buyers remorse, because you never communicated with them after they purchased from you. 

Although, many of them may not use the products giving them a follow up call or sending them an email shows that you were interested in their purchase, and you want to see if they make have an issue with the product.

4. Learning how to manage the business.  A lot of internet marketer don't treat this as their business. They look at it as away to earn some extra cash with out the responsibility. Understanding they may be using it as a career change, it still is a business.

You still need to invest in the business, whether it may be education or software to help you run the business much soother.  Their accounting and taxes to be paid for what ever income that's generated from the business.

5. Many internet marketers want instant success.  They don't realize it takes time to grow the business in order for your to have success in it.  It's not easy, it's a growing and learning process.  We would all like to have short cuts in business, but it could lead us to a loss.  
goo.gl/ycLkHf

I encourage you to join the business credit forum to get access to more videos and other resources to help you grow your business.  
goo.gl/xfsIVs http://BusinessCreditAmerica.com

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As posted on Denene Millner's "My Brown Baby" on November 5, 2012. See full post here.

Author: Akilah S. Richards

How is it that, according to the U.S. Bureau of Labor and Statistics, our percentage of business ownership as black women in the U.S. is up 59 percent since 2002, yet we make up a mere 3 percent  of the $1.2 billion dollars in sales from women-owned businesses?

Unjust systems and long-standing, deliberately placed hurdles aside, many of us are learning to maneuver this new era of social impact through technology, and leveraging our skills with our passions to the tune of thriving businesses and comfortable lifestyles.

But on the real, the numbers of us who hoist sails on sinking ships with unstable businesses far surpass the number of financially and emotionally stable black women business owners.

Certainly, we do not lack access to the resources or the brainpower it takes to excel in business—so what’s the deal?

Business and Life Strategist Katrina M. Harrell and I have got a theory about these troubling truths.  It might ruffle your feathers a bit, but perhaps that’s a necessary part of your growth and ours.

The theory: Black women in business have been B.I.T.C.H.ing up, big time!

Yes, we BITCH up!  We get scared.  We stop trusting ourselves.  We take the shortcuts and we prioritize popularity over business ownership.  Many of us, myself included, spent years building a “popular brand”, without focusing on operating a business.

The results: High visibility, but low income.  Some success, but no real fulfillment.

I was a slave to the very thing I had built.  But thankfully, I got free.

READ MORE HERE...POWERFUL READ.

There has been a incredible shift in the world around us.  From the Northeast hurricane, to many people stepping out on pure faith and starting new businesses, ending unhealthy relationships to even finally taking health seriously. We’re all being charged with “purging” something. In the midst of this though…doesn’t mean there are challenges or days when you simply want to “quit”.

YOU KNOW
::The client money isn’t coming in on time

::The husband just “ain’t acting right”

::The kids are a mess at school

::Your stress level is out of wack

::Your business is good…but it’s not “great”

::You seem to be working harder for the same result.

::You feel enslaved to your purpose.

As women we come as a package deal and with that means that often overwhelming feeling of wishing and wanting to just “quit” – to let it all go. To throw in the towel and just let the sh!% it the fan!

I know that feeling and I have to have a “come to Jesus”  meeting with myself. And get real.

It’s time someone offered you a dose of truth…and that is

ENOUGH IS ENOUGH.

Truth be told, women of color tiptoe around our issues in our lives and ultimately our businesses. We don’t invest in ourselves however we expect others to invest in us.

Do you? Do  you invest in yourself or do you quit at the thought of doing the work

QUIT at the thought of truly asking for assistance and support in growing your business or how women like Cameka Smith (founder of Forbes.com listed BOSS Network) has done by fostering a community of women entrepreneurs who network for good?

QUIT feeling like you can’t really work with other women because “they always want to take what’s mines”. And the hard work of learning to trust your own “GET IT GIRL!” so you can work with other women without the “crabs-in-the-barrel mentality” like LaShanda Henry (founder of Black Business Women Online) did with her girlfriends

QUIT at the thought of truly (and I mean truly) investing in quality mentorship and guidance and humbling yourself to end the thinking that you must do everything on your own or that perhaps Women of Color can’t produce high quality events and workshops that are impactful and profitable like thePOWER CIRCLE Conference & Expo happening Jan 2013.

What’s my point? I’ve been in a “Inner BITCH” release pilgrimage for some time involving releasing all the GUNK that was stuck in my belief system for too long.  My sister on this journey of complete liberation and I have been charged with not only calling ourselves out…but other women. Particularly women of color and Black women more specifically on how our emotional wellness is the TRUE source of abundance.

If you’re still reading I offer that I realize this post is making tons of assumptions about you – the reader – but perhaps it’s not. Perhaps somewhere inside of you, a-lot of this rings true. If not to this extreme, perhaps in your own self-sabotaging efforts to define “success” merely as the sum of your bank account or based on the number of episodes of  Donald Trump’s
The Apprentice” you’ve been able to copy-cat in your own business journey.

Whatever it is…there is a time to call it quits, but not on yourself…but on the nonsense that is causing many of us to live beneath the truth of our possibilities. The truth is that there is another more authentic way of living and creating and this video offers a bit of that truth.

Join me Friday November 9, 2012 here.

ATLANTA, GA — Katrina M. Harrell and Akilah S. Richards have a collective abundance of life and business anecdotes from their personal and professional experiences.  One common thread among their stories is the lack of harmony between sound business strategies and real emotional wellness.  

Frustrated with the trial-and-error approach to success among their own, Harrell and Richards now lead the movement that challenges black women business owners to face the harsh truths about promoting their brands versus building their businesses.  Their solution is 5-step “escape plan” from what they've dubbed "The inner B.I.T.C.H.".

On Thursday, November 9 at 9PM (EST) the two will host a free, live dialogue on Google+ Hangouts based around the focal points of their debut joint venture, How She Got Free: A Spiritual Business Manual for Women Who Lead Through Entrepreneurship.

The dialogue, which will also be live-streamed on YouTube, offers women a platform to discuss their biggest hurdles in business and life planning and income generating models.  Using the 5-Step Escape Plan, black women entrepreneurs can recognize their ineffective patterns, and align themselves with higher standards, sound structures, and effective systems in their professional and personal lives.

During the November 9th dialogue, the duo will tackle frequently dodged topics such as:

• Offering “bargain bin” pricing instead of charging what we’re worth

• How black women look to their white counterparts for marketing models that do not work with own potential markets

• The lack of application of basic business principles and the consequences therein

About the authors

Harrell and Richards are uniquely qualified Business and Life Strategies whose unique approaches to business building and lifestyle design have garnered them the unique approach to lifestyle management has garnered the attention of Black Enterprise Magazine, Essence Magazine, Real Simple Magazine, MSNBC’s Today Moms blog,  and various local and web-based publications.

Register for the live dialogue at http://bit.ly/shegotfree

For more information about How She Got Free, visit www.howshegotfree.com

###

It is my pleasure to introduce to you our PeopleWhoProsper Feature Entrepreneur, Janét Aizenstros. Her story speaks for itself but in a nutshell let me say, WOW. This woman has had some hard times yet has triumphed to become a successful founder, CEO and executive producer of her own radio talk shows. She is the founder of JAOM (Janét Aizenstros Omni Media). Her motto is "helping women be the change, they want to see." JAOM offers several programs which include coaching and wealth management services and radio talk shows, among many others.  Being a licensed life coach, Janét explains, "My primary focus is to teach the fundamental principles of mind, health and wealth from a holistic perspective. She shares more in her interview with me about how she has PROSPERED. Enjoy!

1.Tell me your story. What were you doing before you started your own business?

I am the founder and CEO of JAOM (Janét Aizenstros  Omni Media), which is dedicated to the empowerment and advancement of women worldwide. As an award-winning entrepreneur, internationally recognized writer and radio host, I enjoy teaching women how to achieve the level of success they aspire to attain. My dedication to changing lives has truly motivated other women to capture their visions and dream beyond their current circumstance.

The vision of JAOM is "helping women be the change, they want to see." Well, I am definitely a living testament to self-healing and transformation. After, drastically changing my mind, health and wealth in 2010, I have made it my life's mission to seeing other women achieve the level of success they so aspire to attain.

Through my business savvy and charismatic personality, I've taken my extensive  corporate credentials and are lending those same principles to building my online empire. JAOMONLINE.com is an online platform for women who are "the first to acquire the best" and residence to Editorial  M.O.M, Life Masters Now Success Coaching, Masters Now Wealth Management Group, Masters Now Wealth Mastermind, I am...Janét, Women's Movement Radio Network,  and additional services to further the empowerment of women.  The primary focus of all these program is to instill the importance of three vital components to having a successful business; by creating a solid mindset while achieving great health and secure wealth creation.

I am a licensed practitioner of the Law Of Attraction.  I received my certification under Dr. Joe Vitale (featured in the film The Secret). My primary focus is to  teach the fundamental principles of mind, health and wealth from a holistic perspective.

I've  partnered with many leading international companies to offer women the opportunity to learn how to achieve the Positive Feeling Frequency™, which I  describe in detail in my upcoming book Live Free.

"I want women to know how to master their mind, time and finances.  My desire is to see women succeeding in every aspect of their lives, so they will know what it really feels like to live free and on their own terms."

2. What made you want to start a business and what is your mission?

In September 2010, I had a miscarriage, a close family friend the same age as me died -- leaving behind a 9 month old child and my ex-husband's best-friend, his daughter (age 5) was diagnosed with a rare form of leukemia.  All of these events happened on the same day.  I decided I could no longer go on living unhappy.  I didn't start my business right away but I began working on myself, my spirit.  I remember a few weeks later sitting in my kids playroom by myself asking G-d how does He take a heart of stone and make it a heart of flesh again."  Later, that year I was introduced to a network marketing business that gave me the start-up capital to start my business. However, I didn't want to build a network marketing business.  I started reading books and taking courses.

Then I had an Aha moment! In the midst of it all I started a small blog talk radio program called Mommypreneur. I started marketing it to other women network groups overseas because my network marketing business [helped me] capture [an] international audience. I began trying to launch Mommypreneur here in North America but it didn't capture an audience the way I thought.  While, doing the program, women began inquiring if there was an online outlet they could contact me.  I had a blog but I really didn't use it consistently.  I started writing business articles and I became bored because it reminded me of when I worked in corporate.  One night, I started going through my emails and noticed all the emails were relationship based from moms around the world.  Now, I couldn't understand why they would be asking me about relationships because I never spoke about relationships in my program and especially my own. If I did, many would have known I was separated and going through a divorce.  I woke up in the middle of the night and it came to me.  RELATIONSHIPS!!  I spoke to my coach about my apprehension about talking about relationships and she shared that I could relate to women [in] all walks of a relationship.  She showed me how I had been single, married, mother, separated and eventually divorced. I never thought about it that way. I decided I wasn't just going to create another relationship blog, it would have to be reflective of me.  I am honest about who I am with my audience which is why I feel so many women have contacted me. I use my intellectualism mixed with my love of pop culture to convey my message. JAOM is to be an online lifestyle site.  I talk about everything that is me...life, love and lifestyle.  All I did was blend who I am with my existing businesses.  I ended the Mommypreneur program but I have rebranded it under Moms Movement Radio.  My blog gave me a diversified audience that I am happy to receive fan mail from daily.  Also, I've heard claims that it's followed by certain celebrity moms, whether it's true or not I embrace it all.  I make my living at being me, there is no greater feeling than that.

3. What inspires you? What keeps you motivated daily to keep growing your business?

No sleep! LOL  Seriously, I have alway had exceptional time management + great organization skills + diligent consistency with lots of meditation. lol  This is my remedy for success.

4. Do you have a mentor? Who is it and why? Do you believe it's important to have one?