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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.

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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Do you have the skills to market to $11.8 Trillion MultiCultural Marketplace?

Juniques MultiCultural Connections ( http://www.jusmcc.net) is pleased to share information, that will help any business owner, that want to be part of trillion dollar business to business and business to consumer, multicultural marketplace.

JMCC offers multilingual/multicultural online radio and television. Come see and hear the global audience we are part of. (http://www.jusmcc.net )

Multicultural marketing (also known as ethnic marketing or cross-cultural marketing) is the practice of marketing to one or more audiences of a specific ethnicity, typically an ethnicity outside of a country's majority culture, which is sometimes called the "general market."

Typically, multicultural marketing takes advantage of the ethnic group's different cultural referents such as; language, traditions, celebrations, religion and any other concepts, to communicate to and persuade that audience.

The reasons for multicultural advertising People tend to live within their cultural boundaries; i.e., people have their own cultural values and norms, which influence the way

they think, feel and act.

People in a particular ethnic group tend to share the language, customs, values, and social views, and these influence people’s cognitive (beliefs and motives), affective (emotion and attitude) and behavioral (purchase and consumption) processes.

Based on this notion of “advertising as a mirror,” cultural values and standards are implanted in ads in such a way that consumers can “see themselves” and identify with the characters in the ads and feel affinity with the brands.

Multicultural marketing can have a positive influence on "mainstream" marketing in a variety of ways: Innovation:

Charting a multicultural marketing strategy goes beyond identifying communications programs and promotions tailored to these markets.  

Multicultural marketing is an engine for innovation.

Growth: If multicultural segments are growing at higher rates than the general population, it implies that they are also consuming most products at higher rates than the rest

Globalization: Once a corporation acknowledges the value of multicultural marketing and begins investing in research and development of products and new marketing capabilities, these can be leveraged in the global environment.

Skills required

It is suggested that the following skills are required in the field of multicultural marketing.

1.To spot patterns that allow subcultures to be grouped together, so that a common marketing strategy may be extended to several subcultures in a group (“transcultural” marketing)

2.To develop a distinct marketing strategy for each subculture, if there is a significantly distinct cultural dimension that is

important to the specific culture (multicultural marketing)

3.To further segment audiences in a subculture, if needed, in terms of cultural affinity, cultural identity or acculturation level

(tactical adaptation within a subculture)

4.To develop parameters of culturally acceptable marketing stimuli; and

5.To establish a protocol for measuring cultural effectiveness of the stimuli.

Creating a multicultural marketing strategy

Multicultural marketing focuses on customizing messaging and marketing channels for each target group, as opposed to simply

translating a general message into different languages, or including token representation of different ethnic groups in imagery.

Multicultural marketing is also complicated by the degree of mainstream cultural assimilation within ethnic groups themselves.

Some segments, such as recent immigrants, may highly prefer use of their mother tongue, have limited proficiency in the local language, and be highly geographically concentrated.

Other groups, such as second-generation individuals born in the new homeland, may be bicultural but have less proficiency in their parent's mother tongue and be more geographically dispersed.

An ethnic marketing strategy is developed around the values and attitudes distinctive to a particular ethnic group, and generally includes the following aspects:

Identification and collaboration with community leaders

The promotion of culture, symbols and celebrations important to a precise target Enhancing and focusing on the cultural uniqueness of ethnic group

1) Understand cultural differences in communication patterns, values, and behavior in the target ethnicities.  

2) Assess cultural affinity among ethnic audiences.

3) Segment the ethnic audiences based on the level of cultural affinity.

4) Evaluate the need for adjustments in strategy and tactics.  

5) Explore culturally acceptable/unacceptable, sensitive/insensitive advertising messages among the identified segments.

6) Develop the most effective and efficient advertising tactics targeted to the identified segments.

7) Evaluate the effectiveness of advertising campaigns among different target segments. This process is also known as ethnic marketing.

Pioneers Pioneers in the field of multicultural marketing include Madam C. J. Walker, African-American businesswoman, hair care

entrepreneur,Procter and Gamble, Mc Donald's,Pepsi cola and Benetton, and the entrepreneur Francesco Costa with My Own Media and ISI

Holding in the foreigner services sector, Joseph Assaf with Ethnic Business Awards, Alan M. Powell CEO of AP & Associates

JMCC offers multilingual/multicultural online radio and television. Come see and hear the global audience we are part of. (http://www.jusmcc.net )

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