Blogs

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.

Have you ever wanted to be your own boss, but you did not have the money to start the business?  In this video, I'll share with you some great resources to help you get started in becoming a business owner.

How does incorporating your small business benefit you?  In this video, I'll share with you 7 of the great benefits of a corporation.  You'll also learn how easy it is to save thousands of dollars in your small business.

http://BusinessCreditAmerica.com 5 Tips on How to get Bad Credit Financing.
goo.gl/ycLkHf

1. Merchant cash advances- these are loans that are done off of future credit card receipts. It you have an merchant account with flagship merchant, square-up, paypal, or intuit, just to name a few. You can attempt to get a loan without them looking at your personal credit. Although, I still feel you should focus on fixing your personal credit.

2. Forming a partnership with some that has access to cash or credit is another good resource. As long as, they have an clear understanding of what portion of the business they would own. This is why Business Credit America encourages entrepreneurs and business owners to setup C-corporations so you can just issue stocks instead of making people partnerships.

3. Micro-loans- are made by non-profit organizations, such as Accion (http://www.accionusa.org), which will grant small loans (up to $50,000) designed to help startups owned by women and minorities, as well as companies that are established in economic empowerment zones. Loans are also available through the Small Business Administration's (SBA) Microloan Program, which lends funds through non-profit community-based intermediary lenders. Microloans are a great option for businesses with bad credit or no credit histories because their credit requirements are typically more lenient. goo.gl/ycLkHf

4. Crowd funding- is a resource of private investors that are looking for business to invest in for a higher return on their money. When the banks experienced that financial melt down, they stop lending money to business owners. Many of their investors were not getting good returns on bank cd's, money market accounts, or annuities, so these investors started to lend money to small businesses in return for a better interest rate of return. They don't focus on the personal credit. These investors are looking at the profitability of the business is how they determine who they will invest their money with.

5. IRA'S- A lot of people that are still employed or may have access to their retirement plans, may want to consider borrowing from it. The term is called ROB- roll over business. We will discuss how to use the IRA's without being penalized early in the forums.

I love automation. It's one of the reasons I have a business, but it can also be a big pain in the rear when it doesn't work.

I remember this one week where I was having terrible problems with my meeting scheduler. I was using a service to set up complimentary appointments with prospective clients and I'd done this big promotion about it. What was supposed to happen is the person would go to this page, click on a link to see my available calendar, and in about 2-3 clicks they're all set.

They'd get an email confirmation and the meeting time would pop into my calendar. No back and forth, no wasted time, boom - there is the appointment.

I had a number of people trying to set up their free time to connect but they weren't getting the handy little meeting schedule. Instead every one of them kept getting an "error 404" page ... those error pages always get on my last nerve especially when it means I have a link not working! Ever had that happen to you?

So what was happening is I kept getting phone call after phone call telling me the link didn't work, asking for next steps, requesting a return phone call. Some were even downright insults saying things like "this is unprofessional" (and yes, remember I said it was a free offer ---sometimes those are the worst kind when things go wrong).

Well once I figured out what the problem was, I'd missed at least 20 prospective meetings. I had to personally call each person back who left a voicemail and arrange the meeting manually, which is what I'd set up the service to help me avoid in the first place! That free time turned into triple the hours I'd planned for.

After that little incident, I learned my lesson. I'll give you a few quick hitter tips you can use so you don't end up falling prey to an automation disaster like this.

Always Test Your Automated Systems

When I sent out the promotion emails and let people know the links were open, I should have already tested the entire process myself along with having a friend or assistant test it. I know this now. Most of the time I'll remember this horrible week and I will have someone go through the entire process as though they are signing up. That way, any errors can be worked out before the whole world hears about it.

Remember, It's People Over Process

Many people think more of their super fabulous tools and systems than what the experience will be like for the end user. If you take the time to put yourself in the other person's shoes -- you know, the person who might just be investing in you or your stuff? -- you will know if you're headed in the right direction. Think about things like, "how easy is this to use?", "how many buttons would I click?", "does this frustrate me more than endear me to the service?".

You should make it easy for people to do business with you, not harder. The more difficult it is, the less likely they will buy.

Always Have a Back Up

Sure in this case I was the back-up. I literally sat down and made a list of all the people and manually called them myself. But what if there was a better way? If I had an assistant at the time, I would have had more help. Or if I learned through the testing process that the service wasn't working, I would easily have changed over to a new scheduling service before the promotion ever went out.

Think through your backup plan. What could you use if a part of your system is not flowing smoothly? What resources are available quickly and within your budget? Just thinking this through may save you a ton of time and money.

Now I can't tell you I've never had an automation problem ever again, but I can say that putting systems in place to help me replicate my work has always cost me less in the end than doing it all manually...both in dollars and in sanity. If you remember the tips I shared with you in this post, you'll reduce the chances of automation fail.

Want to learn more about how to use automation the right way? Get more over at my main blog www.tanyasmithonline.com.

  If you’re an entrepreneur or veteran in your business, and you’re finding it difficult to borrow money, then you may need to look at the foundation of your business. It’s unfortunate a lot of financial institutions loan officer do not have the knowledge to help you qualify for funding.
As a business owner for over 10 years, I am very familiar with the stress that comes about when you need money either to expand your business or just trying to make payroll. I discover 4 years ago about business credit, and I took all my free time to learn as much as I could about it. Many used this method to acquire funding, because their personal credit was destroyed.

A few things that I learned from studying business credit was that in order to obtain funding you must have a strong business foundation as well as good personal credit. Although, those facts made since, it made me feel discourage and uncomfortable, but as I educated myself more and took action, I felt a sense of relief.

I’ll like to share with you those steps I took to build up the foundation of my business in this outline.

 1st you must pick a favorable lending code. In the business world they call it SIC CODE or NAICS CODE. I made a video explaining these terms on my youtube channel on my website http://BusinessCreditAmerica.com.  Some of the favorable lending codes with be the following niches such as technology, education, retail, wholesale, and telecommunication.

  2nd step to building the foundation of your business is the structure of the business. Banks and Credit Unions are biased to the structure of the business. The majority of business owners are focused on either a S-Corporation or an LLC. However, banks favor C-corporations, because it’s look at as an entity that can vouch for its own credit, built up correctly. Another reason the C-corporation is preferred is because you can raise capital by issuing stock in the company.

 3rd step in building the foundation of your business is the registration of the company online. There are several avenues you need to take when registering your business. You would start with the business credit bureaus. These would be Experian business, Equifax business, Credit.net, and Dun and Bradstreet. Once you’ve register with those, you move on and register with the government systems like, Sam.gov, ORCA, MBA, and SBA. After, you’ve completed those you’ll register with the top search engines like google, bing, yahoo to name a few. The purpose of doing all of this registration, because this acts as a third party verifier. I discuss more of this in my ebook THE INSIDER BANK SECRETS.

 4th step in obtaining business funding is opening up 3 business bank accounts (checking, savings, and expense). By opening these accounts, you are establishing a relationship with the banks as well as building business credit with the credit bureaus. In my ebook I teach you how to make a small budget go a long way when building a good business relationship with the banks.
If you wish to learn more tips and secrets on how to build business credit to obtain funding join our community and forum at http://BusinessCreditAmerica.com.

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/

Remember that old Biz Markie song, ♪ "You, you got what I neeeed...." ♫.  Don't you wish that every time your ideal client or customer saw your stuff online that song would just automatically pop up in their head?

If you don't, you should.  Because that means you've made the right connection.  See it works like this...

But often we just focus on the first part of the equation - what we want to sell.

The fact is it can be pretty time consuming to do market research, but it's crucial to your business.  It's just one of those things you've got to do.  Otherwise, you can spend a lot of time creating products and promoting services no one will every buy.

You know my answer to almost everything when it comes to saving time, right?  Turn your research into a system, (my quick definition?  a system is a set of repeated activities you can map out, delegate and automate to get similar results).

Where Should You Start?

Keyword Research

Keyword research is the first step for most solo service providers. It helps you understand what people are searching for online and what words they are using. There are numerous tools that can help you do this research, including Google’s own AdWords keyword tool, a free and paid tool from Wordtracker, and a popular software program called Market Samurai.

It takes a little practice to learn to do keyword research well, but knowing the most commonly searched terms will help you target the problems that people are facing. It also means you can optimize any content you create, helping it rank in the search engines.

Study Problems People Are Facing

When you know the problems people are facing in your target market, you can create solutions. Solutions sell. Look at the questions people are asking and why they are asking them. Look for the places your target market hangs out, like forums or Facebook groups, and listen in.  You might even create a list using a tool like Evernote or Google Drive.  I call this list my R&D (research & development) list.

Other places people don't really think about are YouTube videos and Amazon books.  What's popular?  What are people talking about around the topic you're interested in promoting?  Watch the discussions that take place and the questions asked. If there are problems that people consistently talk about, you’ve just found a great opportunity to provide a solution.

Paint a Portrait of Your Customers

It helps to paint a portrait of your ideal customer in as much detail as possible. This isn’t necessarily a visual picture, though some people do that, but one that describes little details about them. What are their demographics, such as age, gender, occupation, where they live, etc? What is some of the lingo they use? Do they tend to have similar interests or hobbies? Write it all down. Some marketers even keep this list in front of them whenever they write anything for or to their customers.

While it can take what seems like a lot of time, having a system you use to do market research can save you from sinking a fortune in time and money in a doomed project. The more market research you do from the start to understand your market, the less risk you face and the more likely they'll be singing your song loud and clear. ;)

In my lunch time series coming up I'll share a few more tips on how to create great, but simple systems for your biz.  Get on the "notify me" list now so you get reminders.  

Very few people I know use business process mapping, but it can be a really good way to figure out the difference between what is happening now vs. what you want to have happen with certain systems running in your business.

For example, you might have this really great product out in your online store, but you somehow keep losing customers -- like 85% of the time -- after they click the "add to cart" button.  What happened?

Or in another instance, you may have tons of referrals and they come to you willing and ready to invest, but you only convert 10% of them into clients.  Where's the breakdown? How do you know?  And what resources do you need in order to increase that number?

Many times, knowing the solution that works the best for you does not just pop up in a magical light bulb over your head.  Instead, it requires knowing what is taking place, step-by-step, so you can make improvements for the better.

Business Analysts (also known as BA's) tend to take advantage of process mapping because it suits them perfectly since they tend to be practical thinkers, always looking for the "why" behind what's going on.  They also get really passionate about information.  I like how this article from TDWI says, "They love to wallow in it, get it all over themselves, see what they can do with it, and see it change state and morph and eventually crystallize into facets of meaning."

Basically, these guys can get really geeky about improving a system, or set of activities so you get the most optimal results.

How do I know?  Because I actually have an analyst background in my "other" career.  Yeah, that's how I got to be such a systems geek.

Now here's what is cool about that...

There are a lot of creative thinkers marketing how great it is to use your creativity to ...well...create things. Products, new service offerings, you name it. I love it and I think that's great.  If you want to promote creative thinking, mind-mapping is a very effective tool. But that's a whole different type of method than what I'm talking about.

The thing is, not everyone is naturally given to creatively wild or illustrative thinking.  Some of  us tend to be a bit more structured and systematic in our thinking.  Having those type of people in your business network can be tremendously helpful because we help with the execution of the actual sale of that wonderful new product, or we help you fix problems with the way you're handling questions from prospective buyers so they feel better about trusting you and affirmed when they buy.

This is the beautiful place where process mapping comes in.

In my upcoming webinar, 10 Ways To Design Better Systems For Your Business, I share more about process mapping and what it can do. Plus I'll be talking about more ways to improve what you're doing in your business, so you can be more efficient which => (ta-dah) more profitable.

Business process mapping may just be the answer to your problems. Oh, and if you search the internet now for some process mapping resources, it will probably look a lot more boring than how I do it.

I've made the webinar publicly available.  No registration required.

=> Just click here to watch and get my free Systems Success Roadmap

I have been building my subscriber list for a few years now. It's had wear and tear, much of it because of my abuse.  I switched focus, lost focus, tried different paths, different brands...all of the things new business owners tend to do when they're finding their way.

There are a ton of reasons people stay on your subscriber list.  Many stay even when they're no longer getting value. Maybe it's because they like you as a person, though they don't have interest in your topic. Or maybe they forgot to disconnect at some point. Instead they just delete everything you send.

Perhaps, they find a few tidbits of information you've sent for free they could appreciate, but now that you're asking them to invest they are offended.  The point is - my audience members came in for different reasons and stayed for different reasons.

The danger in this is at some point, you may find yourself with a huge list of people that DON'T CARE A THING ABOUT YOUR OFFER.

Signs of a list that needs to be downsized? You have dead silence when you're sending out market survey questions. You actually look at your metrics and find that your open rate is not only low, it's in the red. No one shows up for your special events that are only for your subscribers.

When these things are happening although you have list quantity, it's a good chance you have a list that needs to be downsized.

Recently I did a downsizing of my list.  It gave me a sense of freedom I never thought I'd have. At first, I was afraid (♪ I was petrified ♫...I love that song...short digression...ok, back on track now). Seriously though, when you work hard to build a good sized list it can be very intimidating to even think about minimizing it or tearing it apart.

But I had to do it.

Ever heard of the law of the vacuum?  Catherine Ponder talked about it in the book, The Dynamic Laws of Prosperity.  It says something like, "Make room for the thing you desire by letting go of that which you do not appreciate or use. Give it away with a giving, charitable heart, and let the Universe compensate you."   In other words, when you let go and make space you have more room to receive what's really meant for you.

I knew that downsizing my list would put me in a different place, giving me the freedom to really talk directly to an interested audience of people who want what I have to share. No more wondering "do they care?" or "is anybody listening?" And for them - the ones who were purged voluntarily from my list - I gave them back freedom, freedom to read and receive information they truly would find useful and immediately applicable.

So how did I do it? I'll break it down for you:

First, I used my email marketing service, Mailchimp (shout out - "eep eep"), to evaluate my list. They have some pretty decent analytics and along with a tool called Hairball, it was pretty easy to create a small list, or segment of people who were rated below a 3 rating. These ratings give you an idea of how often your emails are opened or clicked by the user, along with a few other stats. Your service may have a different way to show you this information.

The key is to figure out who is least active in your list over a period of time. By the way, I did not include users who were fairly new and still building a rating.  Since they recently added themselves to the list, I assumed they have an interest in my content.

Second, I sent out an email to the folks in that group about 14 days before the purge date (you can adapt this to your comfort level). The subject line read something like "Only open this if you want to keep getting my emails!". I wanted to make it super easy for those who didn't open them anyway to take little to no action. Only the genuinely interested people would reply back to say "leave me on the list". And yes, I had several who read the email explaining my "Spring Cleaning List Purge" and they asked to stay on.

Great! That separated those who were missing in action, but still interested so I wouldn't remove them from the active list.

Third, on the date I'd set for myself I exported the segmented list (minus the ones who wanted to stay) and did a mass unsubscribe. I will admit, I was pretty nervous but after I clicked enter I felt a huge weight lifted off my shoulders.  It was like, "now I get to talk to people who really care to connect with me and to get the full benefit of my sharing".

Here was another added benefit I didn't think about until later. You know how many email service providers charge you based on your total count of subscribers? Well, I was able to reduce my own email marketing fees because of the reduced count. Cha-ching!

Now mind you, I would be fine paying more for a more responsive, targeted list. It was just a good reality check to realize that I was actually paying to keep people on my list who never really wanted the info anyway.

So that's my story...and I hope it connects with you in some way. Does it make you think about downsizing your own list?  Don't you think that having 100 or 200 or 500 people who really connect with your message is better than having thousands who don't get it and won't take action at all?

As a business owner, we have choices to make for the good of our customers and ourselves. I chose to downsize for peace of mind and it was one of the best decisions I've made so far in my business.

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 online 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. Get free tools to simplify and stand out online at: www.tanyasmithonline.com

http://GoodCreditUnion.com 1-800-652-7157 In this video, I show a new CPN file. This client has a 2 Au's and 1 Primary which had give him high 700's across the board.  Once he had access to his file he went and opened up a checking accont with WellsFargo and Navy Federal. He had success in that, however he applied for a loan and was turned down.  The reason he was turned down is because he did not hhave enough primaries on the credit file,

We instruct all clients not to apply for any loans especially government loans because the file is not strong enough.   We you jump the gun like this guy you could cause problems for yourself.

DO NOT EVER, EVER, EVER APPLY FOR ANY TYPE OF GOVERNMENT LOANS WITH YOUR CPN.  YOU CAN GET YOURSELF INTO ALOT OF TROUBLE.

DO NOT USE AN ADDRESS YOU LIVED AT BEFORE OR HAD MAIL SEND TO IN THE PAST, YOU CAN CROSS UP YOUR FILE.

DO NOT HAVE MULTIPLE NAMES BECAUSE THE CREDIT BUREAUS WILL GIVE YOU A DELAY ON YOUR FILE.

THE ONLY USE FOR YOUR CPN IS TO GET CREDIT FROM NON GOVERNMENT LENDING INSTITUTIONS, THAT MEANS NO MORTGAGES.

You can have a lot of success with a cpn if you have the right people around you.  We encourages you to clean up your personal credit first before you get a CPN.

CHECK OUT OUR OTHER GREAT SERVICES.
2013 and Past Due Tax Preparation for Personal and Small Business Taxes
Business Credit Building with No Upfront Fee
Personal Credit Sweep
Personal Credit Repair
Bankruptcy Removal
Private Student Loan Removal
Guarantee Funding
Foreclosure Removal
Chex System Removal
Seasoned Trade Lines
Retirement Plan Transfer to your Corporation
Car Repossession Removal
Credit Card Charge off Removal
Free Net30 Account Reporting
Dun and Bradstreet File Review

http://BusinessCreditAmerica.com 1-800-652-7157

http://GoodCreditUnion.com 1-800-652-7157 Win a round trip to Las Vegas and $1000.00 to Hangout with the GCU GROUP. We running a contest to see how many people we can help and we want to reward you with the opportunity to come have fun with us.  

Here's are the rules.
1. You must purchase the services your self. The reason is, how can you tell someone about a product if you never tried it.
2. You need to market the product.  That means you make video, Tweet about it Facebook it. What ever it take to let people know about Good Credit Union.  

Remember even if you don't be the Top Affiliate thru out the year.  You still make a lot of money with us and you still can come hang out with us, at your own expense of course.

LET'S MAKE SOME MONEY, CHANGE SOME LIVES AND HAVE SOME FUN.

Check out our other Great Services.
2013 and Past Due Tax Preparation for Personal and Small Business Taxes
Business Credit Building with No Upfront Fee
Personal Credit Sweep
Personal Credit Repair
Bankruptcy Removal
Private Student Loan Removal
Guarantee Funding
Foreclosure Removal
Chex System Removal
Seasoned Trade Lines
Retirement Plan Transfer to your Corporation
Car Repossession Removal
Credit Card Charge off Removal
Free Net30 Account Reporting
Dun and Bradstreet File Review

http://BusinessCreditAmerica.com 1-800-652-7157

Opening and running a business is a challenging endeavor, and this is especially true for the businesswomen of the world. In America, women only own 30 percent of all businesses, and sadly, first year capital funding for women running companies is 80 percent lower than our male counterparts. These overwhelming disparities make it imperative for female business owners to get ahead in as many ways as possible, but there are still many positive things going on for women in business, and smart business decision-making will continue to increase those positives.  Good networking, business education, and smart money moves like payroll outsourcing can mean a huge step that direction.

Employee Productivity

There's no doubt that doing payroll is a hassle. For business owners who choose to handle their payroll in house, they take on this hassle themselves. This is far from ideal because this hassle reduces workforce productivity. Just imagine how long doing all of the payroll activities (ie. paychecks, taxes) takes any employee; now imagine what they could be doing instead. It's important to factor in the big picture when running a business, and in such, business owners need to recognize that the cost of outsourcing payroll may be far less than the cost of the tasks that won't get done because time is being unwisely spent.

Money and Savings

Outsourcing a company's payroll is a quick and simple way to save money. Larger corporations likely have the funding and necessity of having large payroll departments, but smaller businesses don't have, nor do they need, the luxury of doing this. The labor costs related to having an employee handle payroll can become overwhelming. In fact, the money saved by outsourcing payroll can even help a company grow. Every dollar saved is a dollar that can be reinvested into the company, and there's no doubt that this will help a business grow exponentially in the long run.

Accountability

Any business owner who does her own payroll has felt the fear of wondering what will happen if something is incorrect on their payroll or taxes. Fortunately, when payroll is outsourced, this accountability lies with the payroll company. It is their responsibility to handle and correct any mistake that they make. If for some reason they choose not to, they can be held liable in civil court and made to pay damages. This peace of mind can go a long way.

Compliance

Ensuring accurate compliance with payroll and tax laws isn't the only legal worry that a person having their payroll done in house will have to consider. The simple fact is that if a company has their own employees handle payroll, they will need to provide security measures. No matter how much a person trusts their employees, they can't chance that certain abuses may be occurring behind their backs.

Payroll companies make a living by providing payroll services, so they have security measures in place that are designed to keep shady practices from occurring. If something like this does occur however, as mentioned earlier, the payroll company is fully accountable and will handle the issue accordingly. This takes a huge hassle off of the hands of the business owners and frees her up to manage the big picture and tend to the myriad other things that need her attention.


If you can identify one change that is almost certain to positively affect your business's growth, there's no reason to avoid making that change. Outsourcing payroll may seem like an added expense, but in reality, it will end up saving money and lessening the items on the critical to-do list. There are enough glass ceilings over female business owners as it is, there's no need to create an extra one.

--

Having operated her small business for the past seven years, Akilah Richards knows first-hand the benefits of outsourcing.  She practices what she preaches by hiring outside help for various facets of her business, and will certainly add payroll experts to her list of priorities when she starts hiring employees.  Learn more about the benefits of outsourcing payroll from the payroll outsourcing specialists at NEBS PAYweb.ca.  

Photo Credit: http://www.flickr.com/photos/firechickenta99/3479600161/

http://GoodCreditUnion.com 1-800-652-7157 Authorize Users(AU) used for credit score booster still works.  Piggy backing someones whole credit file is what's challenging these days.  
Most of us don't realize how hard the financial industry was hit with all these regulations.  Because of that credit bureaus have made it challenging for people to repair their credit.  Yes, you still can use AU's to boost the credit score.  The piggy backing a whole credit file is the challenging part.

Let's talk about credit profile numbers(cpn) and secondary credit numbers(scn), as I stated in another video these 2 numbers are legal numbers.  However, you must make sure whom ever you retrieve these numbers from that they are not giving you an already existing number. such as a baby's ssn, an inmate or an deceased personhttp://BusinessCreditAmerica.com 1-800-652-7157

In business, marketing is the key to survival. Marketing takes a lot of planning, organizational skills, budget measures and timing. Proper planning and accountability measures will enable you to position your business for success.  To ensure maximum ROI (Return on Investment) of your marketing plan, these are 6 tips for a successful business:

1.   Update Your Marketing Plan

If you are planning to expand your business or wish to give it a directional turn, then it is important to update your existing marketing plan. With a well thought out marketing plan, it becomes easier for a business owner to systematically promote the company.

In addition, it is imperative that marketing collateral such as business cards, logo, signage and promotional material are in alignment with your overall message.

Updates to your plan should be based on careful assessment of the market, understanding the needs of the consumer and consideration to the objectives and outcomes of the plan.

2.   Create a Marketing Budget

Marketing is crucial for business success. For every marketing plan to reach its full potential, it is vital that a budget is in place.  Allocating too little capital can be a detriment to your future goals. For example, a new business that calculates start-up costs for business cards, logo, flyers, a website and custom shirts is a smart move.

In addition, a business owner should follow a goal-based budgeting plan; one that includes customer service initiatives, communication, and all prospecting activities.

3.   Implement a Marketing Campaign

A marketing campaign includes several activities carried out to accomplish a pre-planned goal; generally the promotion of a product or service.  To see how well a marketing campaign works, consider planning it as a 30-day or 90-day trial to avoid unforeseen losses. By running it for a short period allows you monitor the feasibility of the plan with your target market; set clear campaign objectives; and plan the outcomes accordingly.

Successful campaigns are carefully researched and centers on details and implementation, rather than on a single, big idea.

3 Memorable Marketing Campaigns:

1. “Just Do It” – Nike
2. “Where’s the Beef?” – Wendy’s
3. “Absolutely, Positively Overnight” – FedEx

4.   For Heaven’s Sake… Find FREE Marketing Opportunities

When you want to reduce your marketing budget, it is essential to take advantage of free marketing opportunities. With so much impetus being laid on web-based marketing services, you can find a multitude of free PR on the internet. There are numerous press release and article submission services, Google and Yahoo local listings, online directories and similar services to create company profiles and promotional opportunities.

5 FREE Offline & Online Services

• Social Media Networks - Facebook, Twitter, LinkedIn, Pinterest, Foursquare, Google+
• Guest Blogging
• Customer referral program
• Public speaking
• Business Network Group – online and offline

5.   Ask For Referrals

Referrals… a powerful selling tool!  To be introduced to a potential client through a personal recommendation is GOLD! Asking your clients, associates, partners or consumers for referrals is a cost-effective way of expanding your network. People do business with those they know, like and trust. So, the best compliment you can earn is from those who like your product or services.

There are also fee based referral programs that provide extensive leads to specific consumer markets.

6.   Always… Always Follow Up!

Last but never the least, always follow up!  A follow up process is extremely important in securing business from new clients and in maintaining rapport with existing ones.

4 Easy Ways to Follow Up: 

• Send a thank you note
• Make a phone call
• Email a greeting card
• Mail a special gift

 In business, there are no guaranties for success; however, incorporating these 6 tips will significantly improve your chances of having a profitable company.

About Sylvia:  Sylvia Browder is a small business consultant, trainer and author. She is founder of National Association Women on the Rise, a virtual community for aspiring and established women entrepreneurs. She has served as an online volunteer SCORE counselor since 2004. For FREE weekly articles go to Sylvia Browder’s Blog for Women Entrepreneurs, www.sylviabrowder.com.  Want to work with Sylvia? Go to, www.browderconsultinggroupllc.com. She can be contacted at info@browderconsultinggroupllc.com.

http://BusinessCreditAmerica.com Business credit America will soon be offering shelf corporations with store front addresses and commercial phone numbers. This program is designed to help clients that want a shelf corp but do not have an commercial address to go along with the shelf. Also, it gives the client a way to generate an income to pay back the loans they take out under the business and their personal credit.

Once the client shelf corp is completed and then they will have the opportunity to partner with the GCU GROUP, INC. and they be able to generate a income from $300.00 up to $900.00 a month GUARANTEED. The client will also make money by referring customers to us as well. Our referral fee pay out is on the business credit and the personal credit, so that give the client 3 different ways to make money with GCU GROUP INC.

Check out our other great services
2013 and Past Due Tax Preparation for Personal and Small Business Taxes
Business Credit Building with No Upfront Fee
Personal Credit Sweep
Personal Credit Repair
Bankruptcy Removal
Private Student Loan Removal
Guarantee Funding
Foreclosure Removal
Chex System Removal
Seasoned Trade Lines
Retirement Plan Transfer to your Corporation
Car Repossession Removal
Credit Card Charge off Removal
Free Net30 Account Reporting
Dun and Bradstreet File Review

We only ask that only motivated and serious clients inquire about this program. We do everything by contract.

http://GoodCreditUnion.com 1-800-652-7157

http://BusinessCreditAmerica.com 1-800-652-7157 Stop buying net30's and business credit services if you have bad credit.  hen you try to build up your business credit by purchasing net30's, trade lines, having corporate financials and taxes prepared as well as add ucc's to the company, you still are not guaranteed to get the funing you need to help your business.

Most banks and other lending instituions are insisting you do a personal guarantee or have enough assets to cover the loan.  Many of us, unfortunately don't have assets to cover the loan, however we can fix our personal credit to sign off for the loan.  

Good credit Union helps people all the time to fix their personal credit and help them obtain loans upto $50k in cash funding under their personal credit.  Business Credit America builds the client a 3 to 5 year old shelf corp and pair it up with their personal credit to get them up to $100k in cash funding.

I understand many of us have been taught it's not necessary to use your personal credit to get funding under the business, however due to new rules and regulations with the financial institutions things have changed.  I try to encourage people to fix their personal credit first because they will be able to have access to many other opportunities.  They can buy a car with no money down, pay lower interest rates on loans for mortgages, and personal loans.

This Tax season fix your personal credit first and you'll have access to money all year long.

Check out our other great services
2013 and Past Due Tax Preparation for Personal and Small Business Taxes
Business Credit Building with No Upfront Fee
Personal Credit Sweep
Personal Credit Repair
Bankruptcy Removal
Private Student Loan Removal
Guarantee Funding
Foreclosure Removal
Chex System Removal
Seasoned Trade Lines
Retirement Plan Transfer to your Corporation
Car Repossession Removal
Credit Card Charge off Removal
Free Net30 Account Reporting
Dun and Bradstreet File Review

http://GoodCreditUnion.com 1-800-652-7157

Some of you expressed that you're looking to bring on some help so you can focus on growing your business. Today's vlog shares some insights for your consideration: Hire, Delegate, Reclaim Your Time