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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

Should I Buy A House Vs Buying An Apartment Complex

If you’ve never owned any real estate and your in the market looking at homes and apartment buildings, you make want to consider who’s going to pay for that piece of real estate.  Let’s say you’ve found a house you like and an apartment building in the same area.  The mortgage on the new house is $1500.00 and the apartment building is $1500.00. 

One person decides to buy the new house for his family.  Now, he’s the only one responsible for that piece of real estate.  So, if he loses his income, he’s going to more likely lose the house and hurt his credit.  Now the other person decided to buy the 4 family complex.  His mortgage is also $1500.00, however he decides to rent out 3 of the units for $500.00 each, which covers his mortgage.  So whether he has a regular income or not his still keeps his piece of real estate. 

Also, the second person decided to add solar panels to the property and switch everything over to electric, and increase rents to $850.00 for each unit.  He decides to pay all utilities for those three tenants.  He gains an extra $1050.00 in rental income and he still does not have to pay any of his income into this piece of real estate.  He also gets to save up to buy the house the first person lost and the tenants from the apartment complex are paying for that house to. 

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!

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

Have you ever thought about how much money you make for the company you work for? Have you ever considered how much less you are making than your boss who is no better qualified than you? Have you realized that you are working to make someone else wealthy? Every day you spend countless hours generating income for someone you probably don't know and for a business you definitely do not own. Unfortunately, in this economy no job is secure. So, where do you find the security? What does your future look like?

If you see more prosperity in your future, then you need to take control of your life now. And that means, working for yourself! You need to put yourself in a position to FIRE YOUR BOSS! Set your own hours and reap the benefits of your hard work.

My mom had an “Embrace the Entrepreneur Within” luncheon, to empower women in their lives and in business. We had 12 to 15 women there that all had positive comments about the illustrious speaker, Melissa Taft. She spoke about the steps needed to be taken to make a change in our lives for the better. She talked about asking yourself questions like: Are you going through life, KNOWING it's not how you envisioned it yet doing NOTHING about it? and Are you aware of your displeasure and doing all you can in your power to change your life??? She described how there are different stages to our development in life and wherever our competency level is, is how our life is developing now. So when are you going to take control of it? When are you going to get smarter about your situation and change it? When are you going to stop making excuses about your life and start making progress? 

So, today the question goes to you too! Are you living your life in complete denial, ignoring all the failures around you, saying, “Oh well, it’s life!”, OR are you stepping out on faith, and taking actions to change your life? The bible says "...faith without deeds is dead" James 2:26. If you're wanting a change in your life, you should be praying for a change. You should be taking action and doing things like:

• Giving up habits you know aren't good for you.
• Following through with personal goals
• Doing all you can to get a financial promotion
• Or even better, creating an exit strategy and taking steps to FIRE YOUR BOSS!

Do something for yourself and your family. Make a move to impact your life. Embrace the entrepreneur within and see how your life will change. 

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Make a disposable income, blogging and become famous online too! Find out how here => BeFamousOnlineToo!

In this 20 minute interview, I'm speaking with Attorney Aurelia Mitchell-Durant of AMD Law Group (http://amdlawgroup.com) about Pinterest and the key issues service providers need to be aware of when using this social tool. Aurelia is an expert in international branding for businesses, as well as brand protection. Some good stuff here.

Catch the interview audio here

Here's a few of the tips shared during the interview:

1. Keep the images you use intact in their original format (i.e. don't make the mistake of claiming something is yours when it's not)
2. Look for signs on the site where you're pulling images from that it's acceptable for you to post the image (i.e. is there a "pin it" button?)
3. Remember you can always  ...

Check it out and let me know what you think. Anything else to add to the list?

This week's feature entrepreneur is Shaneisha Dodson. She is the founder of Mahogney Ink Publications L.L.C. and Black Girlz Productions L.L.C. Currently residing in Virginia, Shaneisha holds a bachelor's degree in psychology from Grambling State University, a master's degree in counseling from Dallas Baptist University, and is currently pursuing a doctorate in education. Shaneisha was the first person in her family to graduate from college. In showing  how important education is to her, every year she gives a $500 scholarship to a deserving student. After college, Shaneisha wrote her first novel. It was like so much by friends and family she was encouraged to continue writing. That eventually led to the start of her publishing and production company. Being an accomplished author herself, today Shaneisha publishes 4 authors,  2 poets and has produced one stage play.  Her story is truly one of accomplishment. Find out how Shaneisha started her companies and where her inspiration came from. Enjoy!

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

I am a country girl born and raised in Arkansas.  I was raised in a matriarchal household.  I developed a passion for writing at a young age.  I started writing my first book after I graduated from college. Prior to starting my business, my life consisted of school, school, and school. I have been a student my whole life.  I have a bachelor’s degree in psychology from Grambling State University and a master’s degree in counseling from Dallas Baptist University. Currently, I am pursuing a doctorate degree in education.

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

I have always had a passion for writing.  After graduating from college, I penned my first novel.  My family and friends loved it so much they encouraged me to continue writing.  Therefore, I decided to take it a step further and started my own publishing company in 2009, Mahogney Ink Publications, LLC. My works have been featured in online magazines, selected as book of the month by numerous organizations, selected as top 25 fiction books of 2009 by Conversations, and earned a spot on an African-American bookstore best sellers list. My first teen book was selected as best book 2011 in literary excellence in the teen self-help category.  In addition, I was nominated for a 2011 African-American literary award.  My publishing company is home to four authors and two poets.  In 2012, I took my love of the writing to the next level and started Black Girlz Productions, LLC.   My company’s motto is “Dream BIG or go Home!”  My first play recently debuted: Cheating on my Mistress “When One Woman is not Enough”.  My mission is to entertain by any means necessary.

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

Life inspires me. I am passionate about my work. Each day I strive to do better. I believe in taking my time to make sure everything is as close to perfect as possible.  Each year, I can clearly see my companies’ growth. We are moving at a steady pace. I am very satisfied because I believe in quality not quantity.

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

I used to have a mentor, but we went our separate ways.  However, I believe it is important to have a mentor because no one has gotten where they are without the help of someone else.  When you choose a mentor, make sure you choose wisely.  Mentors are people who are doing what you want to do in life. They should be full of wisdom and knowledge.

5. What would you tell someone who wants to get involved in your line of business but doesn't know how to get started?

Research. Research. Research. If you want to start a business, learn as much as possible about the business. Don’t depend on other people to give you all the answers.  The biggest issue I have with the publishing company is finding a good editor. You will come across a lot of people who will make numerous false promises in this type of business. They will offer you an opportunity to be a part of a national tour, claim to be the best editor in the business, and will guarantee that their marketing campaigns will take you to the number one spot on the best sellers list. Be leery. If it sounds too good to be true, it probably is…

6. What advice would you give to someone with an entrepreneurial spirit?

My advice is to follow your dreams. Don’t be scared to succeed. When you hit a hard spot in the road, keep pushing. Believe in yourself and believe in your abilities.

If you are an up-and-coming author looking to be published, visit Shaniesha's website at Mahogney Ink Publications. For information on her stage play show times and Black Girlz Talk visit Black Girlz Productions. Also follow her on twitter at @blkgirlz I want to thank Shaneisha for sharing her story with us. I hope you have been inspired by her accomplishments.

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Be someone’s motivation and tell us your story! To be featured on PeopleWhoProsper.com email Tamara@garrisonprosperitysolutions.com. Put PEOPLEWHOPROSPER in the subject line and share a little about yourself.

Pinterest is the latest social networking craze, but not only that - it has some potential to be a useful tool that drives traffic to your website. For example, you can add pins to your boards that link back to your website.

Need a little help? Here are a few simple steps you can take to increase pins and links to your blog or website.

#1 Pin Using the Bookmarklet Tool
If you’ve installed the Bookmarklet tool onto your browser then simply visit your blog or website and click the button to “Pin This.” It automatically includes the link with the image you’ve pinned so that if anyone clicks on the image or pin in Pinterest they’ll be taken to your website.

#2 Add a “Pin This” Button to Your Website or Blog
There are a few ways you can add a “Pin This” button to your site. You can use the code provided in the “About” menu under “Help.” Choose “Goodies” (http://pinterest.com/about/goodies/) and you’ll see a few options to add buttons to your site. If you have a WordPress blog there are also a few handy plug-ins that do the trick. Once the button is on your site, then you simply visit the page you want to pin and “Pin it” to your board.

#3 Use the Add+ Feature
You can also use the Add+ button located at the top right of your Pinterest page. Click it and you’ll get a drop down menu with a few choices. Enter your URL, click “Find Images” and choose from the selection of images shown. You’ll notice one image is displayed with the words “Prev” and “Next” underneath. Click “Next” to scroll through your images until you find the one that you want to pin.

#4 Write a Clear Pin Description
If you prefer, simply type the link you want people to visit in the description area of your Pin. The thing to remember here is that when people repin your image, they can and probably will change the text in the description area to match their own purposes. The link and description will remain intact only on your boards. Depending on your goals this may be okay.

#5 Make Your Site Pinterest Friendly
As my recent post about the 80/20 rule of content sharingsaid, you shouldn't be adding Pins from your own site too often. Remember, the point is that others will be motivated to pin images from your site onto their boards. That's a much more organic, less pushyway to get links to your site.

The more Pinterest-friendly your site, the better. That means making it visually interesting and adding “Pin This” buttons to your site.

You can build your Pinterest followers by becoming active on the site. Comment, “like” other pins, create boards and repin – USE the site. And remember to spend time integrating your activities on Facebook and/or Twitter to grow a larger following.

Want to know more about using Pinterest for your business? Check out my latest webinar: 4 Myths About Pinterest for Business, Tuesday, 6/12/12. Replay will be available for a limited time!

If you've been hearing a lot about Pinterest, it's because it has caught on like a really catchy phrase...it almost seems as though it just came out of nowhere and now it's breaking record speed for popularity, length of time on site (average? 90 mins+!), and more.

If you are a business owner, chances are you have not yet figured out how Pinterest could be used in your marketing strategy. Sure, you have established goals for each of your individual marketing tactics, like your content marketing. You have even created a step by step plan to achieve those goals, possibly with the incorporation of social media (why not, everyone else is). But I bet you didn't think that posting pictures could be much of a marketing boost, right?

Pinterest is boasting faster growth numbers than some of the more popular social networks when they first started out - i.e. Twitter, Facebook, etc. At my last reading, they had nearly 12 million monthly unique visitors and it hasn't even in existence very long. Creating a Pinterest profile could very well help you be exposed to new leads, drive traffic and boost your business growth.

Pinterest is actually catching on so fast, I suspect, because it's heralding the next social media phase - visual imagery. Remember when it was all about written content? Then we heard video? Pictures and visual imagery are hot right now because they speak to people emotionally. Visual aspects of how you market are becoming more and more important. And it would be very smart to develop an image sharing strategy to tell your story, to convey your branding, to make faster connections.

Here are a few ideas to help you get started using Pinterest in your marketing approach:

#1 Blog PlugIns

#2 Content Marketing

#3 Social Networking

Remember to test and track your efforts. Add Pinterest to your analytics. Pay attention to who is pinning your content and repinning your pins. Track your Pinterest traffic and integrate your efforts with other traffic generation strategies you're using.

By the way, you have to be invited in order to set up an account. If you need an invite, simply visit me on Facebook and let me know you need an invitation. You'll be able to view my Pinterest tab there also (remember? integration :) ).

WANT TO RE-POST THIS ARTICLE ON YOUR BLOG OR USE THIS ARTICLE IN YOUR EZINE, E-NEWSLETTER OR WEB SITE? You may, as long as you include this complete blurb with it:

About the Author: Tanya Smith is a creative business strategist and coach specializing in showing independent service providers how to simplify, save time & stand out with simple strategies that engage more quality leads and clients.  Her company Be Promotable provides fresh actionable strategies and virtual resources to promote business owners as power players in their market.  For instant access to your free 7 secrets to online time management report, visit us at: www.tanyasmithonline.com.

Okay so let us break this down so we can understand where we are and where we need to be in our businesses and our lives!

Titus 3

Doing What is Good

¹Remind the people to be subject to rulers and authorities, to be obedient, to be ready to do whatever is good, ²to slander no one, to be peaceable and considerate, and to show true humility toward all men.

OK, this really means that you need to listen to your supervisors, abide by the law and respect each other. Stop acting like you don't know what to do in certain situations. Showing humilty means to be respectful of others regardless of how they treat you.

³At one time we too were foolish, disobedient, deceived and enslaved by all kinds of passions and pleasures. We lived in malice and envy, being hated and hating one another. ⁴But when the kindness and love of God our Savior appeared, ⁵he saved us, not because of righteous things we had done, but because of his mercy. He saved us through the washing of rebirth and renewal by the Holy Spirit, ⁶whom he poured out on us generously through Jesus Christ our Savior, ⁷so that, having been justified by his grace, we might become heirs having the hope of eternal life. ⁸This is a trustworthy saying. And I want you to stress these things, so that those who have trusted in God may be careful to devote themselves to doing what is good. These things are excellent and profitable for everyone.

There was a time when we didn't know any better. When we decided to get our lives right and come in right standing with God, He forgave us of all of our sins, washing us clean. So, with the Holy Spirit within us we have to walk the walk and talk the talk. What does that mean for business and life? It means that won't be lying or cheating customers. We will always have great customer service (no longer is GOOD an option) and we will continuously put God first so that HE gets the glory. (stop worrying about what you can get from God, you're already blessed so walk in that FIRST!) We also can't hate on another that may be in the same industry as ourselves. We must be fair cordial and not backbiting.

⁹But avoid foolish controversies and genealogies and arguments and quarrels about the law, because these are unprofitable and useless. ¹⁰Warn a divisive person once, and then warn him a second time. After that, have nothing to do with him. ¹¹You may be sure that such a man is warped and sinful; he is self-condemned.

No need to keep sharing the same helpful information with a person. If they dont understand where they are NOT and you have tried over and over (twice), then leave it be. They will see, one day, that you were trying to steer them in the right direction. One thing we know, as business women, is, starting a business is not easy, marketing is not easy and getting funding sure is not easy!

Final Remarks

¹²As soon as I send Artemas or Tychicus to you, do your best to come to me at Nicopolis, because I have decided to winter there. ¹³Do everything you can to help Zenas the lawyer and Apollos on their way and see that they have everything they need. ¹⁴Our people must learn to devote themselves to doing what is good, in order that they may provide for daily necessities and not live unproductive lives.

¹⁵Everyone with me sends you greetings. Greet those who love us in the faith.
Grace be with you all.

Verse 14 is very essential here. It is the best bet of what is to come for your life. If you do what is good, not cheating the system or others around you, you will live a productive life. PRODUCTIVE LIFE. With a productive life comes a prosperous life. Everything has to be in the will of God...did you know that putting HIM directly in your life and your business gives you a running start over the women of the world?

Bless you business women...let's get it!!

Dana Marie

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.