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I've Started Blogging!

I just started my very own blog, and I like it. Right now it's still underconstruction but I am hoping that this turns out to be something that I am really proud of. I am currently using it as an online "open" diary. It is open to the public and daily I add whatever is on my mind to it.My hopes for this blog are to have it revolve not only around my life, but around the lives of others who are just like me, not like me at all, going through similar situations, in need of encouragement, looking for information or just plain curious.Feel free to speak out with any comments about what I should do, what might be nice or what you think I'm doing wrong! I welcome this challenge, It means that I have to focus on one thing daily or at least every couple of days!CHECK OUT MY BLOG www.epiphanyofacrafter.blogspot.com
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Scotch Plains, NJ, April 28, 2008- neosoul.essentials, llc a natural bath and body company based in central New Jersey has launched three new scents for summer. Intended to embody the spirit of hot summer weather and vacations, the scents are first to be added to the line in over a year.The three new fragrances: mango surprise, island passion and tropical glow are available online at www.neosoulessentials.com. The company offers a variety of natural body products such as body oil mists and whipped body butters. All items are available in a variety of fragrances and are suitable for all members of the family. “I love summer and these fragrances really remind me of the beach or those fruit smoothies that are so popular when the weather gets warm,” says Christine Lowe Woolard, owner and chief “mixtress” of neosoul.essentials. “These new fragrances are becoming so popular among my customers and I have had many requests for Mother’s Day baskets.”For additional information on these new fragrances, or natural bath and body products, contact Christine Lowe Woolard at Christine@neosoulessentials.com or visit www.neosoulessentials.com. Samples are available at a minimal cost and are shipped free.About neosoul.essentials – neosoul.essentials, llc is manufactures natural bath and body products for the discerning consumer. Products are 95% -100% natural, use ingredients such as shea butter, cocoa butter and coconut oil, and contain no preservatives. To view current offerings, visit www.neosoulessentials.com- END -http://www.pr9.net/home/hshopping/7976april.htmlhttp://www.prlog.org/10067283-neosoul-essentials-launches-three-new-scents-for-summer.html
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Thank you to Ashley-Nicole of Ash Magazine. She recently contacted me with her "fashion headache," asking a question that is all too familiar to me."I am thinking about getting a new look with the clothes that i have, since I'm a college student, I don't really have the money to do a "How do I look" makeover. In terms of clothes, I guess I want to know how to mix and match what I have and still look stylish."With the pressure and long hours of school, being stylish shouldn't have to create or add to the stress that may accompany your college life....READ MORE!Hugs,Elana
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Majestique UPDATES!!! April 27th!

Majestique Greetings Everyone!!!I'm really excited to share what I've been up to with you!!!I've done some re-arranging and re-decorating on the site!!! So don't be alarmed when you come to visit. It's the same great Majestique Products, they're just arranged a little neater and will be easier for you to find!!!Finally!!! The New Scents have been added!!!! Children have their own room!!!! And Men... you finally have a space of your own too!!! Now you can get a Majestique Spa Basket with a Variety of Scents or choose from one of the more popular scents!!! And all of your Baskets are under one header "Baskets & Gift Sets". Our drop down menus have been updated so you can now choose all of your products in one or two clicks! I've also added a Majestique's Special Favors Tab! Now you can purchase your party and wedding favors online if you'd like! We are also proud & Excited to be featuring Karma Kidz clothing in our Welcome Baby Basket as well as our Sweet Nothings Basket. Both Baskets feature our New line of gentle baby products "Sweet Nothings". To Learn more about Karma Kidz, visit the website www.ItsKarmaBaby.com!I'm still working to improve your experience! Photos still have to be updated! Nevertheless, I wanted to Thank you in advance for being so patient and your continued support!Be sure to check out our Mother's Day Specials while you're visiting!!!www.MajestiqueEvents.comSubscribe to the Majestique Events and Gifts mailing list
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For Immediate ReleaseEnvi Consulting & Associates is a boutique Event Management and Consulting Firm headquartered in Atlanta, Georgia. Specializing in producing luxury affairs from Weddings to Conventions, Parties to Reunions, we pride ourselves in offering the best quality and service in the industry to our clients. Our operations expand to all cities across the US and abroad. We have a team of experienced event planning professionals who are ready and willing to take your event to the next level!Envi Consulting & Associates started as a dream, and thus has come to reality! The Envi Consulting & Associates Team is focused on fostering relationships with organizations whose mission includes bringing dreams and visions to fruition. In keeping in line with Envi Consulting & Associates philanthropic mission of community involvement, corporate responsibilty, and giving back to our communities, Envi Consulting & Associates announces its partnership with The Little Girls, Big Dreams Foundation, a 501(c)(3) organization whose mission is to provide underprivaleged African American teenage girls with the direction, drive, and hands on experience necessary to live out their dreams and be successful in our evolving communities.A portion of all receipts from Envi Consulting & Associates programs and services will support The Little Girls, Big Dreams Foundation.For more information, please contact us at info@enviconsulting.com
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Why you need Travel Insurance

Is Travel Insurance necessary?This is one of those topics that nobody likes to discuss but everyone needs to discuss. Let’s face it. You need travel insurance when you go on a trip. Buying it before you leave is a necessary part of travel planning. Travel is an uncertain activity that can often go wrong. We are fallible, fragile human beings whose lives can never be entirely uneventful, and who sometimes fall ill while traveling, or need to cancel a trip for a dozen reasons, or interrupt it in mid-course. We need travel insurance and it’s easy and inexpensive to obtain. The most basic type of coverage costs about $5.50 per every thousand covered. However, prices will vary by the type of coverage you choose and the traveler’s age. All travel vendors offer some type of cancellation or trip interruption insurance and those policies can be included in the cost of the trip whether you book them on line or directly with the vendor.Think you don’t need insurance. Think again. These are some typical situations all covered by various policies. Without insurance, what would you do?It’s 10PM and your family arrives at the airport for a connecting flight only to find that the flight has been cancelled. How do you get your family home?Your traveling companion’s bag was lost with his insulin inside. He needs help to locate his bag as soon as possible and his emergency prescription filled. Who do you call?Your first trip to Europe, and your passport and wallet are stolen. Where do you turn for emergency cash, and how will you get your passport replaced?Your spouse is involved in an accident and adequate medical treatment is not available. Who will help arrange and pay for a medical evacuation?Your cruise line, airline or tour operator goes bankrupt. Who will pay for your non-refundable expenses? Who will help get you to your destination?If your sister-in-law becomes seriously ill and you choose to cancel your trip, what happens to your non-refundable deposits or pre-payments?You are at a beach resort in North Carolina, and are forced to evacuate due to an approaching hurricane. Who will help you evacuate and who will reimburse your lost vacation?Selecting the right type of travel insurance can cover all of these situations.If you are like most of us, you don’t just look forward to your vacations, you need them. Protect your vacation investment. Missing a vacation is bad enough. Losing the money you paid for a vacation is even worse. Everyone needs travel insurance for every trip. Don’t leave home without it.
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WEB Marketing Tips

Free Website Content - Free Web Marketing TipsWebmaster TipsBy S. HousleyNot all web marketing needs to cost money. Aside from website submissions, there are a number of things that web marketers can do that are free, though they may be rather time-consuming. Other marketing tactics are relatively inexpensive, and are often well worth the investment.Follow these basic steps to market your website and business.1. Sign ItInclude your website URL as part of your "signature" in any online forum and newsgroup posts. It is not uncommon for someone who appreciates the comments to click through to the websites found in the signatures of forum posts. This will not only increase link popularity, but will help establish your industry knowledge. It goes without saying that URLs should also be included in email signatures.2. Utilize Social BookmarkingThere are a number of social bookmarking websites, where the collective users select the materials that they determine to be popular. If you have created resources that are worthy, be sure to bookmark them in the social bookmarking networks. List ofSocial Bookmarking Websites - http://www.feedforall.com/social-bookmarking-icons.htm3. Niche NetworkingNetwork with key players in niche markets. Schmoozing with authorities in niche markets can often pay big dividends. Learn the "Who's Who" in any given niche market.4. DonationsGoodwill goes a long way. Donate a percentage of sales to a non-profit organization or charity. If revenue is an issue, consider donating products or services to fund-raising auctions or other fund-raising efforts. Donations will often reach an audience outside the parameters of your normal market, and will show that you care... and aside from all that, your donations will actually benefit the organization or charity.5. Answers / AskvilleUse Yahoo Answers and Amazon's Askville to answer questions. The more answers that are endorsed, the more your advice will be valued. Provide genuine, honest answers and build your reputation. It appears that many "top" answers appear high in Yahoo search results, and Yahoo Answers captures a lot of long-tail traffic.Yahoo Answers - http://answers.yahoo.comAmazon Askville - http://www.askville.com6. SEOSpend the time it takes to properly optimize your website for the search engines. This is not an area to cut corners or skimp on. Proper search engine optimization, while an ongoing process and very time-consuming, can pay big dividends and will often result in long-term search engine traffic.7. ClassifiedsThere are a number of free classified listing services. Add your products or services to any free classified listings that might be relevant.8. Recommend ItAdd a "Recommend To A Friend" script to the product pages on your website. Nothing beats a referral from a friend. Leverage viral marketing by providing your website visitors with the tools to easily spread the word for you.9. Blog / RSS / PodcastingGenerate your own publicity using a blog, RSS feed, podcast, or video cast. Use these alternate communication channels to expand your audience. 10. Related Content Site Develop a content website that contains related information and materials. Content sites are often defined as "authority" websites. Authority websites are often quick to garner search engine favor and top ranking for relevant search terms.11. WikiUpdate wiki listings with useful and helpful content. Good wiki editing will reinforce your reputation and help educate your audience.12. Forum ParticipationActively participating in related forums will generate goodwill and increase your brand reputation. And be sure to add a company tagline and website link to the signature of your forum posts.Marketing efforts need not break the bank for a fledgling company or struggling small business. Use the tools available, and build your business through smart marketing.About the Author:Sharon Housley manages marketing for FeedForAll http://www.feedforall.com software for creating, editing, publishing RSS feeds and podcasts. In addition Sharon manages marketing for RecordForAll http://www.recordforall.com audio recording and editing software.
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What is the purpose of seeking certification? Certification will increase business for your organization. There are several certifications available to women and minority business owners. Certifications are granted on the local, state and national level. There are various certifying agencies. The certifying agency will require that you complete an application and in most instances pay an application fee. If your focus is to obtain contracts with corporations, realize that not all certifications are recognized by all corporate supplier diversity programs.Be mindful that certifying agencies will investigate the business owners to ensure the applicant (s) possess at least 51% of the company, significant knowledge of the area of operation and actively involved in the business, with the power to direct operations.Minority Business Enterprise (MBE) - Minority Business Enterprise certifications are granted by local and state governments as well as national organizations.Women Business Enterprise (WBE) - Women Business Enterprise certifications are granted by local and state governments as well as national organizations.Disadvantages Business Enterprise (DBE) - Federal program designation used in conjunction with US Department of Transportation (US DOT) funded projects and contracts.8(a) & Small Disadvantaged Program - The Small Business Administration (SBA) assists small businesses and small disadvantaged businesses compete on Federal contracting opportunities through their 8(a) and Small Disadvantaged Business (SDB) programs.To learn if your organization qualifies for one of the certifications and to obtain assistance in completing your application, email us at coach@aliveincorporated.com.
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Obama's Song

I just thought this was interesting. How one man is bringing so many people together for change.http://www.dipdive.com/dip-politics/wato/
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April 27 on LE Radio

Join us on LE Radio where the talk is all things Wedding and Special Events. This week's conversation is about "How to choose a Photographer" and our special guest is Michael Corsentino of Corsentino PhotographyJoin us at LE-Radio at Noon PST/3pm EST. See you on the Radio!Margaret SalmondLexus Eventshttp://www.lexusevents.bizhttp://www.le-radio.net
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Mothers Day

How to solve your Holiday gift giving needs!Looking for a special gift that …Won't ruin a diet?Won't wilt in a few days?Won’t break your bank account?Is sure to delight even someone who has EVERYTHING?Over 95% of people burn scented candles!Give the gift that’s sure to please …*Employees *Co-Workers *The Boss *Special Clients*Family *Friends *Teachers *Newspaper *Delivery PersonIntroducing…Mia Bella Gourmet Soy Candles!Clean Burning (Over 90% Soot Free!)Longer LastingBest Smelling (All the Way to the Bottom!)Bio-Degradable and Non Toxic!Over 100 Delicious Fragrances to choose from …That Smell so Incredible you just might be Tempted to Eat Them!Gourmet … Jar CandlesVotive Candles (Individual or Sets with Decorative Holder)Gourmet Bath & Body Gift BasketsJeane’ Elliott Bennett 951-965-9267Enter Our WEEKLY DRAWING –WIN a 16 oz Mia Bella GOURMET JAR CANDLE www.DonJea.Scent-Team.com
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This is a question that people of all ages ask themselves. It is a question that I had to ask myself as well. It is one of the hardest questions to answer, especially with people that you truly consider a friend. The question that you have to ask yourself is are they being a friend to you?A true friend is someone who adds to your life. They are to be there to encourage your dreams, help you through your failures, and tell you when you're wrong. They should love you unconditionally.To continue to read this blog please click the following link: http://iambeingled.blogspot.com
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How important is your destiny?

Are you living your life in constant search of something? Are you having trouble figuring out what that something is? I have come to know that what we are in constant search of is our destiny. What have you been placed here on Earth during this season to do? For everyone it is something different and though everyone's destiny is different it is no better than the next person. Someone's destiny might be to give you the smile that you needed to inspire you to move forward. Or it might be the friend that keeps the person that is meant to change the world motivated.No matter what it is your destiny is important and necessary.To continue reading this blog please click the following link: http://iambeingled.blogspot.com
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Who do you surround yourself with?

All of us have people we consider friends and some friends we even consider family. The question we need to ask ourselves is "Who are we surrounding ourselves with?"As much as I consider myself my own person, I would be lying if I said my family and even my friends didn't influence my decisions in one way or another. My closest friend even influences how I think or view certain situations. Most of the time there's nothing wrong with that, we all need relationships to lead a fulfilling life. However, our number one relationship needs to with God. Having a relationship with Him helps to keep everything else in life in perspective.To continue reading this blog please click the following link: http://iambeingled.blogspot.com
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Introduction

Hello ladies,As you have read from my profile I am the vessel through which God has created Being L.E.D. (Living Equivalent to Destiny). I have begun this journey by starting a blog page that can be found at http://iambeingled.blogspot.com. The topics are written to inspire young women ages 13 to 19. So as mothers, sisters, grandmothers, aunts, mentors, and concerned adults, I invite you all to read my blog. Once you see the topics discussed and the information being given to our girls I pray that you will pass the information on to the young women in your lives. I will be posted the beginnings of my blogs here with the link to my actual blog site if you wish to continue reading it.I thank you in advance and please if you have any ideas or advice for a young woman getting started I welcome it all.Continuous Blessings to you all!Famira
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Hey again everyone,It’s your girl QP here to talk to you about Secret #4: Bootleg Publishers exist, how to tell the difference!As a member of SPAWN (Small Publishers, Artists, Writers Network) my boss gets monthly alerts on publishing companies going out of business, or just doing unethical things and are being sued. Every month there seems to be at least 6 publishers going out of business because of complaints from writers who have sent their manuscripts, sent money to be published, that sort of crazy thing.So, that has lead me to disclose this secret which sadly but not surprisingly, most writers don’t know: everything with publisher at the end of it does not make it a publisher. Here’s how you tell:Clue #1: If they ask for money when sending your manuscript they are bootleg. A legitimate publisher won’t and doesn’t need to be paid just to read your story.Clue #2: If they advertise in the back of a magazine, they are bootleg.Clue #3: If they request $3.00 for postage, shipping and handling for a response to your manuscript, they are bootleg.Clue #4: If they aren’t a member of any professional publishing organizations such as SPAWN, SPANNET, or PMA to name a few, they are bootleg.Clue #5: If they don’t have a website, they are bootleg.Clue #6: If they have email that looks like this: publisher@yahoo.com, publisher@gmail.com, publisher@aol.com, they are bootleg. Legitimate publishing compannies have company branded email:contact@zlspublishing.com.Clue #7: If you are presented with a 5 page publishing contract, they are bootlegged. The average publishing contract is at a minimum 10 pages long.Clue #8: If your book cover looks like the outside of a cereal box, they are bootleg.Clue #9: If you have to pay for all your books, including the “free ones”, they are bootleg.Clue #10: If you are paid in royalties of IOU’s, they are bootleg.Clue #11: If anytime you call the phone number for them and all you ever get is an answering machine or service, they are bootleg.Clue #12: If the only software they have to develop your manuscript into a book is MS word, they are bootleg. Legitimate publishers have top of the line publishing software. My boss has ADOBE CS3, which is the latest in publishing software.Clue #13: If you can’t find them on myspace, facebook, or gather, they are bootleg. Legitimate publishers understand the need and use for consumers to find them on all outlets. My boss in on all three and even SImon and Schuster is on Gather.When deciding to send out your manuscript to a publishing company, make sure you contact them first, talk to someone, ask if they have a website, a myspace page, a gather page, a facebook page, ask for their mailing address, office address, company email address, verify no money needs to be sent in order to hear a response or when you are sending your manuscript.Clue #14: If when you call them up, asking for these things and they are reluctant to give it to you, they are bootleg.Writer BEWARE!Until Publishing Secret #5QP Signing Out!
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Welcome back,This week’s secret is a continuation from last week’s silly conversation with the caller. (If you need a recap, go to Secret #1)Writers have this crazy idea that they’ve written a book that deserves to be published. No! You’ve written a manuscript, a manuscript of a book hopefully to be published! In the publishing industry, contrary to popular belief they do not consider your book, a book until it is published! That thing you call a book is called a manuscript! At weekly meetings it’s Manuscript #205 or Manuscript BOW or whatever!In the publishing industry, a book is considered final. What you have written is not! It has yet to go through the final editing phase, if any editing at all! It has yet to have a cover designed for it; the book size decided; how it will be marketed, or who will print it. And we are missing the all important task of deciding who will publish it.My boss hates when people tell her they’ve written a book and when she asks who wrote it or where can she get it because it sounds good, they reply by telling her they wrote it, it’s not yet in stores, and that they are looking for a publisher. She always responds, “So, you’ve written a manuscript?” Not knowing what she’s talking about, they look at her funny eyed.So what do you do?Change your language, but more importantly, change your way of thinking!Remember, you have 7 seconds to make an impression. When you approach a publisher either in person or via writing, approach as follows:“I’ve written a potential book”“I’ve got a book idea, I’d love to pitch to you”“I’ve written a manuscript about xyz”Let’s repeat this again: You have 7 seconds to make a good impression. Approaching your potential boss correctly determines your next step career wise. it is the same for approaching a publisher. Remember, they get approached 500 times a day, mainly by clueless writers. Approaching them correctly is the difference between them actually taking your manuscript to read it or politely (and even in some cases) unpolitely, saying ”Thank you, but no thank you!”Let’s recap: Your book is not a book until it is published! We all know that’s your baby, but just like welfare doesn’t consider your baby a baby until it is born, the publishing industry doesn’t consider your book a book until it is published!Sounds harsh! I know, but I told you that the truth was going to hurt!Until Secret #3QP Signing Out!
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BUSINESS BANKING & CREDIT 101

Provided By: Contact Specialist Group (CSGEAST.COM) “Providing Solutions To Build Better Businesses.”One of the most fundamental aspects of Business Operations and Management is establishing a Business/Corporate Banking Account. The process of setting up a Business/Corporate Bank Account is a vital preliminary step in building a solid foundation for your business. However, despite the relative simplicity and importance of opening a Business/Corporate Account, at CSG we notice that many business owners fail to take that step.Not having a Business/Corporate Banking Account (separate from your personal account) can have immediate and long term adverse consequences for your business. Commingling Funds from your Personal Banking Account(s) with the funds from your Corporation, LLC, Non- Profit Organization, or LLP is a violation of the law governing these business entities and could result in a Court dissolving your business. The legal term for this process is called Piercing The Corporate Veil.Starting A Business/Corporate Banking Account is a simply process:1. Obtain A Tax Identification Number/Employer Identification Number (EIN):A Tax Identification Number or Employee Identification Number (EIN) is often referred to as a business’ Social Security Number. The reason for this comparison is because like an individual’s Social Security Number, a Tax Identification Number/EIN is a unique nine digit number used for identification, to apply for credit, open a bank account, and file taxes.The IRS provides four (4) simple ways to obtain a Tax Identification Number/EIN:A. VIA TELEPHONE1. Visit http://www.irs.gov/pub/irs-pdf/fss4.pdf and obtain a REQUEST FOR TAXPAYER IDENTIFICATION FORM (SS-4 Form).2. Complete the form.3. Call 1-800-829-4933, the office hours are Monday to Friday from 7:00 am until 10:00pm.4. The IRS Representative will take the information over the phone and provide you with a Tax Identification Number/EIN at the end of the call.B. VIA INTERNET1. Visit the IRS Website at https://sa1.www4.irs.gov/modiein/individual/index.jsp2. Complete the application process.3. The Tax Identification Number/EIN is issued immediately.C. VIA FACSIMILE1. Visit http://www.irs.gov/pub/irs-pdf/fss4.pdf and obtain an SS-4 Form.2. Complete the form.3. Visit http://www.irs.gov/localcontacts/index.html to obtain the fax number for your local IRS Office.4. Be sure to include your fax number so that the IRS can fax your Tax Identification Number/EIN back to you.5. This process will typically take up to four (4) business days.D. VIA MAIL1. Visit http://www.irs.gov/pub/irs-pdf/fss4.pdf and obtain an SS-4 Form.2. Complete the form.3. Visit http://www.irs.gov/localcontacts/index.html to obtain the address for your local IRS Office.4. This process will typically take up to four (4) weeks.2. Obtain a copy of your Business License or Business Filing Receipt.a. You can obtain your Business License from the Business Licensing Department for the City in which you live.b. Filing Receipts are issued by the Secretary of State, Division of Corporations, or the governmental agency in your State that is responsible for approving the filing of Corporations, LLCs, LLPs, and Non-Profit Organizations.3. Contact a Banking Representative in the New Business Accounts Department of your bank.a. Make an appointment to visit and start your Business/Corporate Account.b. Be sure to bring your Tax Identification Number/EIN and your Business License or Filing Receipt.c. Ask the Banking Representative if you need any additional documents. Some banks may require a copy of your Corporate Bylaws, Operating Agreement, or a list of all the Partners in your business.We recently interviewed the Assistant Vice-President for Small Business Banking for JPMorgan Chase for our new book, From Servant To Master: An Entrepreneurs Guide to Obtaining Wealth and Independence. This is an excerpt from the interview:CSGEAST.COM: Do Corporate/Business Accounts provide a feature similar to the Overdraft Protection that is available for Personal Checking Accounts?VP, CHASE BANK: Business/Corporate Accounts have an Overdraft Protection component. However, that feature is not part of the basic account and is based upon credit approval.CSGEAST.COM: Are there various levels of accounts (Gold/Platinum/Premium) within the structure of Corporate/Business Accounts?VP, CHASE BANK: Yes. The level that a business receives is based upon several factors which include: (1) The type of business, (2) The anticipated volume of activity that a business will conduct (check writing, number of transactions, and business needs), and (3) the Average Daily Balance (ADB) that a business maintains is also a major factor.CSGEAST.COM: What are the daily balances that distinguish a Basic Business Account from a Premium or Platinum Account?VP, CHASE BANK: A Premiere Account requires an Average Daily Balance of $25,000.00 and a Platinum Account requires an Average Daily Balance of $75,000.00.CSGEAST.COM: Are there penalties if a business fails to maintain those Average Daily Balances?VP, CHASE BANK: Yes, there are Monthly Fees that are incurred if a business fails to maintain the required Average Daily Balance.However, those balances are not required for all accounts. We have accounts for new and small business that may only require a Daily Average Balance of $200.00. We work with our clients to establish an account that works best for them at their current level of business.Clients can also change the type of account that they have at anytime to avoid Monthly Fees.CSGEAST.COM: How long does it take after the business owner has provided you with the Tax Identification Number/EIN and the Business License, Filing Receipt, or Business Certificate before the account is open and they can began to make transactions?VP, CHASE BANK: The account is open and ready for transactions immediately. In fact, the rules regarding opening an account at Chase have recently been updated. A business owner is no longer required to have a Business License, Filing Receipt, or Business Certificate at the time they open the account. The business owner only needs to have their Tax Identification Number/EIN.The only exception to this rule is if you have formed a Limited Liability Partnership (LLP) or Non-Profit Organization 501(c) (3). In the case of an LLP, we require the list of the Partners and the different signers for the account. For a Non-Profit Organization claiming Federal Tax Exemption we require the Certificate of Exemption which is issued by the Internal Revenue Service.CSGEAST.COM: Are there supplemental Credit Cards and Lines of Credit that are available with Corporate/Business Accounts?VP, CHASE BANK: Yes. These additional services are available and are based upon the client’s credit approval. If the client qualifies these additional funds are made available to the client immediately.CSGEAST.COM: Please explain what “qualifications” an individual business owner would need to qualify for the additional Credit Cards and Lines of Credit?VP, CHASE BANK: Typically, if the client is serving as a Personal Guarantor for the business, they will need a credit rating of 780 or above.CSGEAST.COM: Many Small Business Owners are concerned about cash-flow. Cash-flow concerns are directly affected by holds that may be placed on checks and other funds. Are there products that Chase offers to businesses to assist in expediting the processing of checks and payments from clients?VP, CHASE BANK: Yes, we offer a Business Management Account which is designed with those small business concerns in mind. We provide the business owner with a portable check processing machine and a credit card processing terminal for their office. The business owner can scan their client’s checks and the funds are deposited into their account instantly.CSGEAST.COM: What are some of the various business loans that are available to new and small business at Chase?VP, CHASE BANK: If the business has been in existence for less than two (2) years we can assist the business with securing a loan through the Small Business Association (SBA). If the business is older than two (2) years Chase will make the loan.CSGEAST.COM: Do these loans require that the business owner sign on as a Personal Guarantor?VP, CHASE BANK: Yes, in most cases.CSGEAST.COM: Are businesses required to produce collateral (equipment, property, etc.) in order to secure a loan from Chase?VP, CHASE BANK: It depends on the business and the amount of the loan. If the business is seeking a loan in excess of $100,000.00 then typically some from of collateral is requested. For loans under $100,000.00, meeting the credit qualifications is typically sufficient.CSGEEAST.COM: What are the processing times to apply and receive an answer for loan approval?VP, CHASE BANK: For businesses that are older then two (2) years that are applying for a loan from Chase, we can have an answer within 24 to 48 hours after the business’ application is completed.CSGEAST.COM: What are some of the common mistakes that you notice entrepreneurs and small business owners making in regards to banking?VP, CHASE BANK: I notice that many business owners commingle funds. They combine the money from their personal accounts with their business accounts. This is a major mistake. Clients should follow the steps that we have discussed and establish a separate business account.Also, clients should be careful about the manner in which they manage their accounts. That means limiting the number of NSFs.This is extremely important within the first two years when you are working to establish the company’s credit rating so that the company can begin to apply for credit on its own without a Personal Guarantor.CSGEAST.COM: Given the current state of the economy, have you notices a trend with banks and lenders becoming more stringent as it pertains to loan requirements?VP, CHASE BANK: Yes, we are notices that the requirements placed on credit scores and Debt-to-Income-requirements are becoming more stringent.CSGEAST.COM: Thank you for the valuable insight.VP, CHASE BANK: Sure. We look forward to helping you clients.© 2008 Contract Specialist Group. All Rights Reserved. CSGEAST. COM
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Ladies...I just got back from National Convention where the New Spring Line of Toys were introduced! OK....NOW is the time to book your party! Trust me, you want to see what's in that bag!You will NOT be disappointed with anything you will see! Just to give you a hint...we now have a toy that does the PUMPING for you!!Contact me TODAY to book your own Pure Romance by Nirvana Party!***And did I forget to mention that the MUCH requested STRIPPER POLE will be available in mid-MAY!!!!!Pure Romance by NirvanaEmail:nirvanaedwards@pureromance. comShop online 24/7 at www.PRbyNirvana.com----------------------------------------------------------------------------------------------------------April Kit Sale: Ladies, Start your own Pure Romance Business for as low as$129 and receive $50 in FREE product once you qualify!!
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Your brand is your most valuable asset. Your brand is your reputation, what your organization stands for and the perception of your business from the rest of the world.Branding is a business decision, whether you realize it or not. In a thought, branding is the management of perception. How do we manage this perception? This perception is managed by identifiers, attributes and associations. Successful management is a mixture of what we want working in conjunction with the perception of our customers.How do you want people to remember you and your business? We have all heard “She does great work but…” We don’t want a “BUT” in our brand. Instead we want individuals to share that she is very dedicated to her clients AND she always delivers.For example, if you are an event consultant and want potential clients to believe your organization is elegant, you must demonstrate elegance in all you do.As you develop your brand, remember perception is not only about what is read, but also what is heard and seen. Branding includes everything from your business name, logo and tag line to your elevator pitch, voice mail message and business cards. To learn more about developing consistency in your brand please contact us at coach@aliveincorporated.com.
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