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Sometimes our self-confidence is shaken when we make decisions that are not supported by family, friends or people we respect.  When we feel that we are by ourselves regarding our choices, it is important to apply the universal law of cause and effect. Acknowledging others rights to their opinions opens the way for us to receive the same treatment. The adage shows itself over and over, what you do unto others will be done unto you.

Remember you can create the life you want to live by your actions. Being gentle and loving yourself is the way to bring that behavior into your life from others. Although it may not feel apparent, life supports you. The universal order of life does support you. This may sound airy-fairy, but it is a real and important principle to believe in when feeling challenged. Understanding that everyone has a right to live and think as he or she chooses removes the emotional conviction that others opinions are personal attacks. Each adult is their life decision maker, and one’s opinion does not overthrow anyone else’s choice.

Your ability to hold this idea and conduct yourself on this principle will govern others manners when engaging or having a relationship with you.

Valuing yourself is a requirement for a successful life. Lacking self-worth is mirrored back to us through our personal and work relationships.  The characteristics of caring and respecting yourself are reflected in how you address other people’s degrading and dismissive attitudes. Life already supports you; you are here. The statement, "you are an accident", is only an attempt to devalue your existence. It is your primary responsibility to embrace and love yourself.

Sometimes we allow the opinions of others to reign over our internal voice. That is a sign that we need to stop and remember what is important to us. Getting clear about the way you choose to live your life and what you value gives you the strength to make seemingly hard choices. You regret less when your actions are decided from how you choose to be in this world. Living this way opens you to new ideas and activates your potential.

Aiming for a successful life based on your values can sometimes feel like a struggle but the end results are worth it. Gaining self-confidence is the practice of making and moving forward with your decisions that are founded on what is important to you. Every opportunity you have to apply this principle will help you become self-confident authentically.

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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.

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How to buy business trade lines to build business credit?

how to buy business tradelines to build business credit? https://3wayfunding.com/optin from businesscreditamerica on Vimeo.

Many business owners buy business trade line to help build their business credit.  However, when purchasing these business trade lines, you may continue to face several challenges when trying to get funding for your business.  One of those challenges is once you add the business trade lines, you may still need to have bank statements and tax documents in order to get qualified for funding. 

Another issue you may have with adding business trade lines knowing if and when they’re going to show up on your business credit file.  This is a big gamble because you cannot predict when the credit bureaus are going to report.  This is why I try to encourage small business owner and entrepreneurs to focus on repairing there personal credit and pairing it with their company then apply for funding.

When you have good credit and a new business banks will start you out with business credit cards and business lines of credit.  The reason for this is that you do not have a business relationship with the banks.  You may also want to stay away from the business loans because they want your business to have been in existence for at least 2 years and you would have to provide bank statements and taxes.

So, if you’re trying to get funding for your business, I would encourage you to repair your credit and then apply for the funding under your business.

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

https://goo.gl/MNLkxZ

FREE MLM TRAINING: HOW TO GET, KEEP, AND GROW YOUR MLM CUSTOMERS FAST

LEARN HOW TO GET CUSTOMERS FAST FOR YOUR MULTI-LEVEL MARKETING (MLM) BUSINESS. Making money through multi level marketing (MLM) is another way to increase your earnings. For people who would want to conduct business from their home, owning their time and write their own paycheck without creating their own product? MLM will work. MLM will work even better if you have good leadership skills a self-starter and a hard worker where selling and promoting products does not give you shivers. If selling and promoting however is not your stronger points, MLM might prove to be a challenge for you since your success will largely rest on your ability to create down line. Multi level marketing has proven successful to only 5% of its members. The majority of the 95% fall out within the week, most in a year's time. Your multi level marketing upline will sell you the idea that you do not have much to do once your downline is established. This is mostly incorrect and partly true. Real downright hard work, especially so in personal selling. If someone says that it is a laid down work, that someone is pulling your leg. No matter, if you possess the above qualities, MLM marketing should not be a problem for you. It is a real moneymaker even if only a small percentage of those who joined have something to show for it. https://3wayfunding.com/business-credit https://goo.gl/pPTsVX https://goo.gl/WQb5mq WEBSITE SETUP- http://1websetup.com/website CORPORATE PHONE NUMBER- https://goo.gl/xhuJHk GODADDY 99CENT DOMAIN- https://goo.gl/jSD7MP Set Up your online store- Click here https://goo.gl/M9R5yH

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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.

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How do I get business credit cards and business loans with a 80 Paydex score?

Many people have come across misleading information of getting business credit cards with a 80 Paydex score.  First, you must understand a paydex score is a three digit number that given to a business from Dun and Bradstreet.  This number is generated once a business has four or more business tradelines or vendors reporting to them. 

Once you’ve generate this number trade vendors use this number to make a decision on whether they are willing to offer your business credit.  The higher the paydex score the better your chances are to being approved for credit.  If you have a paydex score below 80 points this lets the creditor know you are not paying your other vendors on time.

Now, if you’re trying to build your paydex score to get business credit cards or business lines of credit, there are other factors that are used to determine,if you’re going to get approved for business credit.  When you apply for business credit cards or business lines of credit, most lenders will want to look at your personal credit, your business bank statements, or your business financials.

The paydex score is irrelevant at this point when trying to get cash and credit for your business.  This is the reason we suggest people to stop wasting money on Net30 accounts and just fixed their personal credit and put the money into a business bank account.

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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.

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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.

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

It can feel like a daunting responsibility to embark on how to achieve short term goals. This overwhelming feeling can lead us to energetic stagnation making us confused and sad. Once these feelings take root we could benefit from an external boost to return to empowerment and mental clarity. Below are three steps that you can use to find your way out of the cloud to achieve your short term goals.

Move in the direction: Once you know the short term goal you want to achieve, start moving yourself physically in that direction. If you have a full-time job then, it is imperative that you begin to write a schedule of when you can do one or two objectives per week in the direction of accomplishing your short term goal. If you want to be a real estate agent then, you start by finding out what classes are available, what real estate trade organizations that you can join and read success stories to learn how others are thriving in your career aim. An important step towards achieving your short term goals is to move in the direction of what you want to do.

Gratitude Practice: When starting a journey to accomplish an objective it is easy to see what is missing or wrong with us. However, practicing gratitude keeps your mind open to possible opportunities and ideas that you would not receive if your mind is full replaying the lack and negative thoughts from your mental playlist. If you have a job that you do not like at this time, be grateful of the income that it provides that enables you to join a real estate organization and have access to all of its knowledge. Teaching your mind what to think and discard is a requirement when working toward short term goals.  A success coach can show you how to work on discarding your negative thoughts.

Visualize: When you are sitting around and your mind drifts back to lack or ‘what’s wrong thoughts,' redirect them by seeing yourself living the life you want. If you need some help visualizing, write it down. The physical action of writing can lead your thoughts in the direction you want to go. Going back to the real estate example, if you want to become a real estate agent or broker in your area see yourself showing beautiful homes to prospective buyers. In your down time, watch million dollar listing and see yourself showing and serving your clients excellently to get their dream home. These actions will support you in accomplishing your short term goals.

Although it is easy to agree with and believe the above steps are beneficial to reach short term goals, it is difficult sometimes to do them. Just as New Year’s Eve resolutions, we start out well but then one thing leads to another, and we stop. We will write down our goals and resolutions, but not complete one thing we had listed. Before you realize it, one incomplete task becomes two then three. When this happens, contacting a success coach would be helpful. Success coaches can see your goals and co-create a plan of action when you feel confused on how to get started and support you in the process. Success coaches are your accountability partners; they believe that you can accomplish your goal, and they inspire you with ideas regarding actions you can take to reach your short term goals.

There is a practical method on how to achieve your short term goals. Actions, thoughts and beliefs can turn your life around when they are all compatible and moving toward to the same aim. If you find that you are in need of support, you are among many that also have the same situation. If this happens contact a success coach to help you move forward,  get clear, empowered and reach your short term goals.

Bio:

JoAnn Youngblood King is a CTA Certified Success Coach, Author and Owner of Live Your Potential is a member of the Coaching Training Alliance, the Association of Coaching & Consulting Professionals on the Web and the International Association of Coaching.  JoAnn, who has a diploma in Small Business Management, is a Business Trainer and Facilitator for Project Enterprise, an organization that provides access to business loans, business development services and networking opportunities for entrepreneurs and small business owners. To find out more about achieving your goals visit http://www.liveyourpotential.blogspot.com/.

As business owners, we tend to become uncomfortable when talking about business taxes. A lot of us will try to avoid it all together. However, this is a key component to helping you acquire funding if your trying to grow your business, In my book, "The Insider Bank Secrets" I teach people how to reduce their business taxes doing this one simple strategy. Many small business owners don't realize they are over paying their taxes. http://www.businesscreditamerica.com/business-education/

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.

1. Pick a Favorable SIC/NAICS CODE.

2. Add the description of the business into the business name.

3. Use a C-corp. structure because most lenders and investors prefer this structure.

4. Have a strong 680+ credit score to use as a personal guarantor

5. Have a Strong Business Credit Rating

6. Have a Paydex Score of 80+

7. Have a good Business Bank Rating.

http://www.businesscreditamerica.com/

 I swear this is the greatest thing ever.

Okay maybe ever is an overstatement, but hear me out.

Every now and again I come across a tool that excites me. 

Inspires me.

Reminds me of WHY I'm in business. 

Every now and again, I discover something that makes me want to sit down and write a post without thinking about keywords, or H1, H2, H3 tags or any of the other technical aspects to make a post rank higher in the search engines.

Every now and then, I see something SO GOOD I just have to share. 

And that's how I'm feeling right now. 

I've been doing a lot of research on how I can convert the traffic I get from various sources ( free and paid) to leads and then to actual buyers. 

One quick glace and the online marketing world and you'll find that's the number on thing on everyone's mind. 

Well... 

I discovered something last night that I believe will bring me (and you) one step closer to the goal. 

The First Step to Get More Leads

Before I tell you about my discovery, the first think you need to understand about how to get more leads is that the lead itself isn't what you're after. 

See, most marketers get so caught up in getting the actual lead itself that they fool themselves into believing they've crossed the finish line as soon as it comes through their autoresponder.

Your goal as a marketer is not to get the lead.

Leads don't pay your bills. 

Your job as a marketer is to get the sale.

That means you want leads that will actually buy something from you. 

And in order to go from lead to prospect to buyer you have to take your suspect through a high converting funnel. 

What I discovered was a simplistic, yet genius way to target and capture subscribers at the initial point of decision... 

THE LEAD CAPTURE PAGE

Sounds simple enough, but trust me... everyone doesn't get this. 

Now just think, what if  you could geographically target your capture pages with just the click of a button? Meaning anyone, anywhere would see your capture page customized to their exact location?

Don't you think the chances of them opting in would increase?

Of course it would

CLICK HERE TO DISCOVER WHY

Hello Community,

You hear this word used in many conversations. Speakers earn great income from addressing this issues. Many theories are submitted to addressing theory.  Ok here is my take on the powerful word fear!!!   I look forward to your assessment of what this word can or can not do!!

At your service,

Rickey

www.jusmcc.net

One of the biggest challenges that bloggers face is how to build an email list.

Most know and understand the saying, "the money is in the list."

Loyal subscribers who know, like, and trust you turn into customers provided you're continuously providing value and have good content.

Back when I first started blogging, I didn't understand this. I wanted tons of readers, but I wasn't exactly looking for emails because I didn't have a product to sell (or so I thought).

This is before internet marketing really hit.

A friend of mine suggested I get a blog to promote myself as a freelance writer, but that was about as far as it went. It was probably about 6 months to a year before I REALLY figured out that I was doing it ALL wrong.

Even as a freelance writer, I should have been building a list of loyal subscribers and sending out at least a weekly newsletter with my content to engage my readers.

Crazy right?

What's even crazier is that with ALL the information out there about how to make money blogging, and how to build a list, I still see people who make the silliest mistakes that myself and so many others made years ago.

The sad thing is that a lot of them have great blog, filled with valuable content, fabulous designs, and yet.... one mistake in particular is costing them BIG

How To Build An Email List On Your Blog

Click Here To Read More

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.