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Hello Community, I am please to share Robert D. Smith Pen and Ink Artwork

http://BusinessCreditAmerica.com 1-800-652-7157 How to Build Business Credit without Net30 Accounts. 

In this video I explain why net30 accounts are not necessary for business credit funding. I have stated over the year that if people want to get approved for revolving credit they have to do several things, starting with their personal credit.

1. Repairing your personal credit so you can be a guarantor on business credit cards or loans is important to the business.  If you feel that repairing your personal credit may take to long, then find a service that offer cpn's or scn's. 
Click on the link http://www.goodcreditunion.com/

Some business owners have elected to add someone with strong credit on their board to be a personal guarantee for the company.

Click on the link http://www.businesscreditamerica.com/business-credit-without-net30-accounts/

2. Building the business foundation to acquire funding.  As a small business owner you need a website and social media, as well as, registering the company.

3.  Business owners need to file financials and ucc-1.  This is what the banks look for in a business credit file.  These documents are what is used to help get the business loans and revolving credit cards.

4.  When you receive your articles of incorporation, you need to go open up 3 bank accounts (checking, savings, and expense).  In the ebook I teach you how to properly use those bank accounts to build a relationship with the banks. 

5. Purchasing the Dun and Bradstreet credit builder package is a good way to expedite to build up your business credit file.

Check out the ebook http://www.businesscreditamerica.com/business-credit-without-net30-accounts/

http://BusinessCreditAmerica.com  Understanding a 80 Paydex Score and Business Credit Score/Rating

In this video I explain to you the difference between a paydex score and a business credit rating.
First, understanding that a paydex score is based off a customer paying 3 to 5 trade credit vendors on time.  Trade credit vendors commonly called Net30 Accounts give credit to start-ups or established companies. There is not a lot of factoring that goes into it.

Now lets look at a few important things that are used to factor a business credit rating.
1. A company's size and it's structure pay a key roll in it's credit rating.  I explain these factors in my new ebook "The Insider Bank Secrets." 
Click here to get the book
http://www.businesscreditamerica.com/business-credit-without-net30-accounts/

2. The industry risk code or SIC CODE AND NAICS CODE also help to factor your business credit rating.  In my new ebook, I give you examples of good and bad risk codes in helping you to obtain business credit funding.

3. The outstanding balances of your accounts payable will also affect your business credit rating. 

4. Paying your bills on time or earlier help determine you a good risk as well as your credit card utilization.  Having high utilization, but low credit card balances also has an impact on your business credit score.

5.  Having good public records and updated financials help boost your business credit score.  When file those ucc-1 financials statements showing you paid a loan off, or paid a lien in full you are showing lenders your business is a good credit risk.  Always keeping up to date financials on file to show the growth in your business also has a positive influence or your business credit rating.  I explain all these steps in my new ebook "The Insider Bank Secrets." 
Click on the link to get the book
http://www.businesscreditamerica.com/business-credit-without-net30-accounts/

6. The length of your credit history for the business also is important.  This show the business has stability and profitability over a period of time.  In our business credit forum, we show our members how to create this history.

Click on the link to get the ebook and check out the forum. http://www.businesscreditamerica.com/business-credit-without-net30-accounts/

Business Credit America has done it again. This time, their taking on the credit industry to prove to Americans it is still possible to build business credit. Their offering a free business credit forum and BUSINESS training teaching entrepreneurs, small business owners, internet and online marketers how to properly structure themselves for the best asset protection.

As the banks and other financial institutions still refuse to help the American economy rebuild itself, Business Credit America has decided, they will not wait until after an election to help revive the economy. A spokesperson for the company, said “they feel the American Economy should not be struggling when you have so many multimillionaires that are able to help small business owners keep their business going and help start new businesses”.

Business Credit America is offering a Free Business Credit Forum and Business Training to the American public. Learn some of the Basic things most business owners miss in order to have a successful business

• Learn, How to properly structure your business for the strongest asset protection
• Learn how to properly order you EIN number
• Learn about current trade vendors that offer business credit on net terms, such as ShareDaLuv.com, AZSnaxks.net, TradeSmartProducts.com, VipElectronicsCenter.com, SNS.com, these are just a few trade vendors.
• Learn the difference between a Paydex score and a Business Credit Score
• Learn how to properly file a Ucc-1 financial statement to help your business or personal credit
Business Credit America offer so much business information to help get the American Economy get back going. Check them out at BusinessCreditAmerica.com and join their free business credit forum today, IT’S FREE http://BusinessCreditAmerica.com

How to get Business Credit Cards Without a Personal Guarantee? http://BusinessCreditAmerica.com 1-888-821-6408x2
How to get a Business Credit Card with out a Personal Guarantee is a step by step process. First you have to see what business is more favorable to banks, which is called SIC CODE. Once you know and understand this step then you can continue on with the proper step to get business credit cards.
http://www.businesscreditamerica.com/services.html

Here are the necessary steps to get a Business Credit Card with out a Personal Guarantee.

Know you Sic Code for what type of business your looking to Start.
Call and get your EIN#/TAX ID# over the phone not online and please make sure you use Incorporated at the end of your company name.
Incorporate your business to a C-Corporation Banks love this entity.
Get your Dun and Bradstreet Number from their website. DandB.com. You want the number thru the CCR Government program. This way you get the number for Free and within 48hrs instead of 30 days.
You need to have Projected Financials submitted to Dun and Bradstreet in order to a Clear complete file this is very important.
You need to file Ucc-1 lien against your business for the money and equipment, you invest in the business to get it started. This is very important to creditors.
Once these steps are completed then you need at least 6 to 9 Net30 Accounts such as http://www.sharedaluv.com/, http://vipelectronicscenter.com/, http://www.tradesmartproducts.com/index.html, http://www.azsnacks.net/, http://ucc-1credit.com/, https://www.stntsol.com/, Grainger, Uline, Seton, nebs, deluxe and so on. Remember Dun and Bradstreet does not report your credit limits, they report the amount you spend on purchase, so the more you spend on products the better the tradeline looks on your business credit file.

If you follow this step by step, you're guaranteed to get Business Credit cards with out a Personal Guarantee.http://www.businesscreditamerica.com/services.html

One of the biggest challenges that Small Businesses face is creating effective marketing collateral.  In addition to a challenging budget, there is just the question of what to communicate.  My motto is K.I.S.S., Keep It Seriously Simple! Don't make the mistake of over communicating your product or services.  Consumers are a lot smarter than you think, but they don't want to be bombarded with tons of messaging or content.  It takes too much time to sift through the clutter.  So in order to help you avoid overkill, I will offer you some Tips in Marketing K.I.S.S.

1. Avoid Hokey Taglines - If you can't afford to hire a marketing consultant, then leave off the tagline all together.  As cleaver as you might think you are, customers can always tell when your tagline is homegrown.

2. Get to the Point - Don't waste time with too many details on your materials.  Your collateral should communicate four things immediately.  1) Who you are, 2) What you do, 3) What is unique about your offering and 4) How to contact you.  Anything more is TMI (too much information).

3. Minimize Images - Too many images can be a lot of the brain to process.  Keep your collateral to 1 or 2 images that communicate your focus at a glance. If you need to show multiple images, then stick to one main image that draws the focus.  Keep the other images subordinate so they con't compete with the main focus.

4. Use the 3-Click Rule - When it comes to your website or blog be sure not to bury your content and confuse visitors.  The 3-Click Rule states that a visitor should be able to get to any content on your site within 3 clicks.    Does your site measure up?

5.  Eliminate Business Card Clutter - While your business card has a lot of 'real estate', its important to stage the content carefully.  Stick to relevant contact details on the front, such as your name, title, email address  and phone number.   Put all other details on the back (but don't make the mistake of printing a book back there).

There are lots of other ways to Keep It Seriously Simple, but its easiest just to keep the customer in mind by asking a simple question.  If I had 5 seconds what would I want my customers to know? I have included a sample ad that we designed for a customer utilizing Marketing K.I.S.S.

Happy Branding!

You can continue this conversation on Twitter @brandcoachllc or on Facebook.com/TheBrandCoach

Small businesses and start-ups put forth great effort to appear stable and established.  But often times they have a 'tell'.  Business cards printed at home, an AOL email address or ...a tri-fold brochure.  No matter how great your company/ service may be, you simply sell yourself short with these marketing flubs.

Marketing Faux Pas

While the tri-fold format in printed collateral has long been a a staple in marketing, in recent years the layout style has become a faux pas.  We live in the age of 'instant' success, consumers want to get information at a glance. That means they are looking for a Visual Snapshot. Its a big risk to assume that someone will take the time to comb through the folds of a page just to find out what you do, and how it will benefit them.

The Visual Snapshot

If you are wondering what a Visual Snapshot is, then imagine yourself in line at the supermarket.  When you glance at the magazines on the shelf you make a decision on whether or not to buy, just by looking at the cover.  The same thing happens when  a person looks at your marketing collateral.  I mean we don't want to have to read the

entire magazine to determine if we should buy it.

The first page of your brochure should state the following (very obviously):

• Who are you?
• What do you offer?
• What is unique about your product or service?

I'm not saying that the triple dipper doesn't have its effective uses.  It can be quite helpful as a pamphlet and its a wonderful tool in the health care industry.  But for small businesses, it just makes you LOOK small time.

I have included an example of a Sell Sheet.  Whether single or double sided, its a sure fire way to impress prospects.

Happy Branding Everyone! (http://thebrandcoach.com/ or @brandcoachllc)

You want customer loyalty in your business. You want repeat business, yes? How about making your customers into valued friends? Showing concern and empathy for their situation? The more your able to treat your customers as friends, the more business they will want to do with you.
You’ll watch your profits soar.

Let’s go through 10 ways you can keep your customers coming back to you, time and time again. And you will no doubt make close, lifelong “friends” in the process.

1. Send Birthday Cards – Do you like to be remembered on your birthday? How about doing something really easy and sending birthday cards to your customers. Could you send a little gift with it? What
about a “special offer” coupon? Free tickets to an event.

2. Make “How’s thing’s going” calls regularly – Section out 15 minutes a day to call your customers for no other reason then saying ” Hi ______, I just called to see how things are going?” Have you ever called your customers to do that? Watch your customers appreciate you thinking of them. It makes them feel that you do care. If you want to have more business, do this regularly.

3. Send out small bags of jelly beans or candies - Could you include a bag of jelly beans, with a handwritten note on your next sale, with the note saying, ” I thought you may like these, they are my favorites.” Or a note saying “Here’s something for you to enjoy” Watch their eyes light up.

4. Send unexpected gifts – If you find an article, audiotape, or anything specific customers might be interested in,send it with a note saying ” I thought you’d enjoy this. I just finished reading it and
there are some interesting ideas here. Also, if you educate your customers they will send you more business.

5. Send Holiday Cards – What about sending a Holiday Card that is different then all the “others” your customers are getting? Make it UNIQUE and PERSONAL and DO NOT promote or ask for business when sending holiday or birthday cards. These should remain sincere and be all about the person you are sending it to, not about you or your business!

6. Send Thank You notes – Send Thank you notes for everything. When they pay their bills on time, every time they order from you, if they send a referral your way. Be sure and thank them for referring
business, coming to see you. Whatever you want more of, reward. It works.

7. Make Thank You calls - You should started making Thank you calls, A variation from the letters. Saying, “Hi ________, Just wanted to say Thank you for referring Mr. Smith to ABC Co.”

8. Give your customers recognition - Take a photo of your customers while they are in your business and send them a card with their picture in it. How about a photo and a testimonial? They’ll be flattered and
your business will increase. People love recognition.

9. Give your customer awards – Yes, you read that right. Have customers of the month. Send them a award certificate or even plaque. Dear _______, Just the other day I was going through my records and I
realized that you are one of the top (10,20,50,) customers. We really appreciate your business. That’s why I want to send you this “Top Customer Certificate” that is enclosed.ABC Company looks forward to
seeing you soon.

10. Hold seminars, breakfasts, lunches. If you want to give recognition to your customers and stay in touch, have monthly or quarterly functions for your customers. Have a speaker and an interesting topic. Dear _______, I would like to invite you to our “Special Customers” lunch. It will be held at ______ on ______. It’s FREE It’s our way of saying Thank you. etc…

Do not under-estimate the power of showing gratitude and appreciation for your customers. Treat them like GOLD and it will result in more GREEN for your business!

If you are looking for an easy and affordable way to send out cards & gifts to your clients and customers, Send Out Cards is a cost effective way to do this. Contact me for more info on this awesome customer-appreciation system! Visit my website www.socretail.com/80793 or drop me an email dbjdesigns@gmail.com and I can tell you more.

Using a online greeting card system like Send Out Cards can make it easy and affordable for you to send real, high quality cards on an ongoing basis to your customers to keep your business “top of mind” so that they will entrust their loyalty to you!

I extend an invitation to all of you to take a few minutes and send a thank you to your most recent customer or someone whose business you've been after.

Try Send Out Cards- online greeting card and gifting system. Visit my website at www.sendoutcards.com/80793 select option #2 OR for more information on how you can purchase this product contact me at dbjdesigns@gmail.com.

Thank you and stay blessed!

Research shows that the average person only sends out about 10 cards per year. However the same average person has the need to send outabout 70 cards per year.

So why don’t they send them?

• Its inconvenient to buy the card, write on it, post it.
• Ít takes time, which people often don’t have.
• It’s expensive
• And people forget or don’t get around to it!

If there was a system that was

• simple to use
• cost effective
• time efficient and
• wouldn’t let you forget.

Would you be interested? Yes? This is it!!!
You can now send out cards for all occasions: personal, business, birthdays, holidaya, special occasions, staying in contact withclients, etc.

All at the click of a button.

It doesn’t matter if you are sending one card or 1000 cards, we can handle it. And these are real cards. Cards that arrive in the mail. The ones that people really appreciate. Acknowledging someone whether its a business or personal contact goes a long way.

Everyone loves getting cards in the mail, especially when it is personal and customized for them. You can even print in your ownhandwriting and sign it with you signature.

How do you Send Out Cards to your business customers, your family and friends.

• You pick a card
• You type in a personal message (maybe even add a photo)
• We print the card
• We stuff the envelope.
• We stick the stamp.
• We mail your card
• The recipient receives a real card, personalized for them, in their mailbox, from you.

See how simple it is to send out cards. Try it today.... www.sendoutcards.com/80793 click option #2.

Posted by Anita Moore http://www.girl-friends.ning.com

When should you give your kids a credit card? Should you wait until they're 18 and off to college? Or is younger better? This can be an explosive topic for parents, many of whom have very strong ideas about what's best for their teens when it comes to credit. A new ABC News poll found that 71 percent of parents are opposed to giving kids a credit card before the age of 18, even one that has a restricted balance and is linked to a parent's account."GMA" assembled a roundtable of moms and dads with children between 8 and 17, who were passionately divided about the topic. Some said children need to have access to credit to learn how to use it safely, while others were adamantly opposed to the idea. Most parents agree that kids should learn to save and budget and should earn their own money. But when adults are struggling with their own credit along with the increasing and complex material needs of children, it can be difficult to decide when to help them get plastic. What's the Appropriate Age? Mellody Hobson disagrees with the majority in the ABC News poll, and advises getting your child a credit card linked to your account at 16. She thinks 18 is too late because, at that point, you no longer have total control over your child's spending and credit habits. Parents should look at 16 as a milestone age, she says. We already equate turning 16 with getting a driver's license, 18 with the right to vote and 21 with the right to drink. Make 16 the age you start teaching your child about financial independence and responsibility. Benefits of Giving Your Teen a Card-You Can Monitor and Control Activity A credit card can give you some control over your child's spending and credit management skills, especially before they go off to college, Hobson says. You can discuss with them the proper way to use credit before they get a card of their own, kind of like credit with training wheels. You get to see all of your child's transactions in your monthly statement if they are an authorized user on your card, and you will be able to better recognize any impending issues and problems they might develop in the future. MY VIEWS: View the video and tell me what you think? Personally this has made me recognize that I can handle finances with my sixteen year old son differently. I’ve been holding a credit/debit card for him and when he gets paid, I would take a few dollars from him and match it and put it on his debit card for when he started college, but now I see that I need to give him the card so that he can learn how to handle his credit himself. Even though I still feel a child shouldn’t get a credit card until he has a job, this is a good eye opener. What’s your opinion? Kids Won't Have to Carry a Lot of Cash There's one other really big advantage to giving your 16-year-old a credit card, Hobson says. By giving your child a card, you're making sure they will not be carrying a ton of cash which can be very unsafe for them.