Your LLC, S-CORP, PARTNERSHIP could disqualify your kid from getting upto $100k in Financial Aid.
SMALL (175)
First there was Black Friday, then Cyber Monday. November 27, 2010 was the first ever Small Business Saturday. Small Business Saturday (the Saturday after Thanksgiving) is the day we celebrate the Shop Small movement to drive shoppers to local merchants across the U.S.
For more info: http://www.smallbusinesssaturday.com/ and http://facebook.com/smallbusinesssaturday
Tips for Small Businesses & Soloprenuers:
*Use Social Media to heighten the awareness about your Small Business - post at least 1 to 5 times a day on Facebook leading up to Small Business Saturday.
*If your products or services are for sale ONLINE, always include the direct link to purchase from your website.
*If you have specials during this time, make sure your current customers know about them, so send out emails!
*If you don't have a full website, have a one page (i.e. landing page) created to sell your item, book or service. Contact us for this service.
*Set up a PayPal and or Square account so you can accept Mastercard/Visa in person or online.
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.
As business owners, we sacrifice a lot to keep our businesses alive and growing. For many of us this is our only means of supporting our families.
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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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://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.
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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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SMART MOVE FOR WOMEN, MINORITY, AND SMALL BUSINESS OWNERS: INVEST IN REAL ESTATE THROUGH THE FDIC
Beyond buying a home for your family, it may never have occurred to you to invest in real estate. You may think that you do not have the experience or the money to even know where to begin. However, a small initial investment could result in high returns for you, by either giving you the capital to grow your business or a new professional direction. There are a number of reasons investing in real estate may be a smart move for your business or your personal finances:
Fixing up and flipping low cost homes could be an added source of income
One-time or ongoing property investment offers a high ROI
Finding cheap commercial assets or land to expand your business
The Federal Deposit Insurance Corporation (FDIC) offers an affordable way to invest in real estate, as they regularly hold auctions and have an online marketplace where they sell assets from failed banks. As there are no bid minimums at the auctions and bids can be placed in person or online, the FIDC offers an easy and affordable way for first time investors to get involved in real estate.
Why is it good for women, minority and small businesses?
To ensure a diversity of participation in the Owned Real Estate (ORE) program, the FDIC welcomes and strongly encourages small, minority and women investors and individuals to participate in the bidding under the program.
As minority-owned businesses typically receive less capital than non-minority-owned businesses, investing in real estate is an alternative way to build capital. Women are also becoming increasingly empowered to invest in real estate and they’re finding that there is always a profitable strategy regardless of the current market. You no longer have to have a wealth of experience or a lot of initial investing money because of the opportunity to buy affordable previously owned properties and flip them for a high return.
If you’re a first time investor, starting with an FDIC auction is great because of the lower prices of property sold through their Owned Real Estate Marketplace and the no bid minimum.
The FDIC’s Minority and Women Outreach Program also exists solely to make investing in real estate a reality for women and minorities who may not have been aware of the opportunity. They are eager to offer assistance and education so that you’re well informed on your opportunities for growth.
What if you have no idea where to start?
The FDIC holds information sessions specifically designed to expose and educate small, minority- and women-owned businesses to investing in real estate, as well as individual investors. The sessions focus on the process of acquiring real estate through the ORE Marketplace and any upcoming auctions. In November, there are three information sessions in Birmingham, AL (Nov. 12th), Hickory, NC (Nov. 13th) and Atlanta, GA (Nov 14th). The information sessions are free and also provide a great networking opportunity for attendees.
If you’re not located near or in any of those states, the FDIC also offers 30-45 minute webinars. There are five webinars in November, on the 5th, 7th, 18th, 19th, and 21st. As space is limited, you will want to register for your desired date as soon as possible.
To learn more and register, visit the information session and webinar registration page.
What if?!?
It is amazing how those two small words could have so much impact on the world and your personal life. When I drive into Newark, NJ I see a big billboard with those two words plastered on it. Just the other day, I was watching the lastest version of HG Well's Time Machine staring Guy Pearce, Yancey Arias, and Mark Addy and marvelled at the fact that the whole movie was based on those two words. What was really good was that it clearly pointed out the hope and the danger that those two words hold.
Now you may ask, "What is the danger of What If"? If we dwell on the past with negative lenses on, What If can turn into a S&M Fest of self-loathing and self-defeating talk. It can lead us to dark places where we ponder on the possibilities of things which can't be changed. And we maginify our failures, or perceived failures. It is not a good place to be. Especially if one is striving to build a business.
Does this mean that we can look at the past? Not at all. It's just that when we look at the past we want to look at how we can make improvements in the present and the future. Speaking about the future, What if if used the wrong way can be just as detrimental as looking at it in the past.
The issue with the future is that we can get trapped in to all sorts of limiting thinking which block us from progressing. We can look at all the things which can go wrong and hold them as if they had already happened. What if when used properly can help us reach high heights. Instead of "What if this doesn't work" why not focus on "What if this does work"? Rather than "What if I fail?", why not "What if I succeed".
What if is a powerful statement and situation. We can let it keep us or drag us to bottom or it can bring us to the top. The choice is your.
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://www.businesscreditamerica.com/
Small business owners, freelancers, entrepreneurs, home business owners, etc., truly have the luxury to deduct damn near their whole lifestyle. It just depends on how you spin in. When you are starting a business, finding ways to save money is a great benefit. Today’s tips will show you 5 ways you can save money in your business this Summer:
- If you’re working from home but need to meet with clients and cannot afford office space, you may want to try having a breakfast meeting or lunch meeting at places like Panera Bread who offers free WiFi. You will double your savings because the gas you use to get to and from your meeting and the meal you purchased during your meeting are all tax deductible. [Read More]
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.
