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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

How do I get business credit cards and business loans with a 80 Paydex score?

Many people have come across misleading information of getting business credit cards with a 80 Paydex score.  First, you must understand a paydex score is a three digit number that given to a business from Dun and Bradstreet.  This number is generated once a business has four or more business tradelines or vendors reporting to them. 

Once you’ve generate this number trade vendors use this number to make a decision on whether they are willing to offer your business credit.  The higher the paydex score the better your chances are to being approved for credit.  If you have a paydex score below 80 points this lets the creditor know you are not paying your other vendors on time.

Now, if you’re trying to build your paydex score to get business credit cards or business lines of credit, there are other factors that are used to determine,if you’re going to get approved for business credit.  When you apply for business credit cards or business lines of credit, most lenders will want to look at your personal credit, your business bank statements, or your business financials.

The paydex score is irrelevant at this point when trying to get cash and credit for your business.  This is the reason we suggest people to stop wasting money on Net30 accounts and just fixed their personal credit and put the money into a business bank account.

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 Co-sign A loan, credit card, or Apartment for a Family member?

If you’re a parent then I suggest to add your kids on your credit accounts as authorize user.  This will build up their credit, so you as the parent will not need to co-sign for their student loans, cars, and apartments. 

Now, if you have a family member or love one that having credit issues and they ask if you would sign for them a car, credit card, or apartment, then I would suggest you not to do it.  The reason is that it could ruin the relationship.  For example, if a family needs to move into a new apartment and they ask you to co-sign and you decide to do it.  If that person loses his or her job, then you’ll be stuck with making the payments or ruining your personal credit and the relationship.

I always suggest if a person is having credit issues offer to help them repair their personal credit, if they refuse, then you know that person is not the one to be offering help too.  Some may argue that you should look at how financially responsible the person is in order to determine if it’s worth you putting your good personal credit on the line.  However, you must factor in that things could happen to the person or their employment and that may leave you on the hook for extra bills.

So, in conclusion, I would suggest find other ways to help them, rather reserve the relationship then jeopardize personal credit if the person is not will to fix their own credit.

https://houstonmcmiller.com/business-credit-cards-and-personal-credit-cards-program8408213, https://3wayfunding.com/how-to-get-business-credit-cards, http://www.businesscreditamerica.com/, 1-888-883-3013

How to get a business loan for people with bad credit?

The easiest way to get a business loan for people with bad credit is to take out a loan thru your 401k plan it’s called a ROB (ROLL OVER BUSINESS LOAN).  If you don’t have a 401k or Roth, you may want to consider putting up some assets for a collateral loan.  It’s a lot of lenders that will ignore your personal credit if you have an asset to borrow against.  Those assets make be a piece of land, a car, or a family heirloom.

However, if you don’t have any assets to use as collateral, you make want to borrow the money from a family member of a friend or ask them if they would be willing go into business with you.  You make want to also start putting a small portion of your paycheck aside to help you move toward you goal of saving up to start your business.  

Now depending on what type of business you’re going into, you make be able to pick up a few clients and see if they will give you an advance toward future business. 

Most don’t realize it really does not cost a lot to start a business the issue for most is finding the right customer for your product or service.

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!

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Listen to your favorite Gospel and Praise music on The Alynetta Beck Gospel Experience Radio Show!

Every Sun. morning at 8am CST on KHAM Radio Station!
Call (318) 221-5422 for info.

If you missed the Alynetta Beck Gospel Experience as heard on KHAMradio.com, click the link below to listen to last week's archived show.

The Alynetta Beck Gospel Experience - If You Missed It

Hello,

If you're a business person in Nigeria or Ghana, please contact me. I'm looking for a secure drop off and also seeking information about pop up shops, I know that landlords in Africa prefer to let long term but times they are a changing.

Anyway if you're in either of these locations or you have any helpful information please get in touch and we can speak more via email or whatsapp.

Thanks.

Anne.

http://www.facebook.com/SunGlaSiS

http://www.facebook.com/9jalicious

Check me out. I was featured in the October issue of Hype Hair & Beauty Magazine.

Visual Dreams Multimedia presents The Art Convergence. The event will be held at the Buffalo Soldiers National Museum 3816 Caroline Street. It is Houston's signature showcase for visual arts, cinematography, collectibles, fashion, poetry, and much more. Black Girlz Productions' founder, Shaneisha Dodson, will be hosting an actor and playwriting workshop.

Register for the event by calling 713-405-0773.

Hello community,

You must advertise!!!! 

What to advertise with and where is always the perplexing question, since you can not spend the 

same dollar twice. 

I have found a simple and effective way to identify when advertising method works best for you, is to use a product that provides the benefits of both direct mail and print. 

See with direct mail, you have your readers attention.

With Print you are sharing the readers attention ( actually you are trying to capture the readers attention from the other advertisers). 

Which method should I use. I suggest both in one. 

Take your advertisement and "build" it like a direct mail piece. Then place your ad in a print publication. 

This is a great way to test ( umm you do test your ad copy, right? ) a direct mail piece effectiveness before you do a mass mailing. You can let the print pub "act" as one mailer. The print pub will reach many. Based on that response you can decide which method would be best for you. 

Direct mail can be very costly!!

Print publishing help you minimize that cost

Keep this in mind, the "rules " of advertising do not change for either delivery method. 

Using to print publishing to refine your advertising piece will increase the effectiveness of 

your direct mail method. 

2016 RIO OLYMPICS- A SHOWCASE FOR U.S. BLACK WOMEN

So did you see the Black women athletes from the U.S.A. “show up and show out” at the Rio Olympics?  These women were real examples of the greatness of this country.  Black women won gold medals in gymnastics, water polo, shot put, boxing, the 100m hurdles, 400m hurdles, 4x100 relay, 4x400 relay, and of course, basketball.

What was most impressive was how all of these women carried themselves with dignity and respect.  American television has a difficult time portraying Black women in positive characterizations, but the Black women of the Olympics portrayed themselves in manner that draws on the greatness Black American women have always embodied. 

History is full of stories that exhibit the strength and determination that is, and has always been the Black woman.  Look at your own history and see the intelligence and wisdom of the women in your own family.  While those women in our families are our first role models, the Black women of the Olympics are also role models.  These women trained, sacrificed, and performed with excellence to win the ultimate prize in the Olympic Games.

The United States should be proud.  These women should feel accomplished.  And we should all appreciate the positive images these strong and powerful Black women exhibited to the world.

Michelle Carter                                   Shot Put                      Gold

Simone Biles                                      Gymnastics                 Gold

Gabby Douglas                                   Gymnastics                 Gold

Ashleigh Johnson                                Water Polo                  Gold

Brianna Rollins                                   100m hurdles               Gold

Nia Ali                                                100m hurdles              Silver

Kristi Castlin                                       100m hurdles              Bronze

Dalilah Muhammad                              400m hurdles              Gold

Ashley Spencer                                   400m hurdles              Bronze

Simone Manual                                   4x100 Medley Relay   Gold

Claressa Shields                                 Boxing-75kg               Gold

Allyson Felix, Tianna Bartoletta

Tori Bowie, English Gardner                 4x100 relay                 Gold

Allyson Felix, Courtney Okolo,

Natasha Hastings, Phyllis Francis       4x400 relay                 Gold

Congratulations to all!

SoulVisionTV.com

Detroit Chapter of Women Entrepreneurs of America

Marriage Simplicities Conference Event Info.

click here and get the scoops   Yes, looking good is still big business and now you can save and earn on one of frequent looking good expensives most people with nail care concerns have. Check this out!!

Did you know that the value of courses increases over time....unlike a carthat depreciates over time. Invest in building a course that will earn dividends for years to come for you and your family. If a course is done "the right way" you can raise the price as it increases in value. The Course Crushers Boot Camp starts July 18. Learn how to create a course that will pay you over and over again! http://bit.ly/katsonepercent

It is very important that you understand your personal hits style. That is because you will be doing quite a bit of promoting of your, services, and courses. You will need to get comfortable with asking your audience to invest in your course. Here are some common pitch styles. See if you can pick out which one most accurately reflects your own personal style.

Dr. Jekyll and Mr. Hyde

This style typically go between very orderly to very aggressive. It may take a few minutes go between aggressive and 40. There tends to be two extremes. Audiences typically either respond with rate adoration because of the appearance of transparency and willingness to cut product their weaknesses.

The Girl Next Door

This style comes across as super nice. They seemingly give endlessly. The pitch is typically given by first asking the audience if it is all rights to offer them something. The audience typically responds in a positive way. The downside is that once you start off with the girl next door style, it is difficult to go to a more aggressive style later.

Cloak and Dagger

The cloak and dagger style is one in which the promoter first starts in a very matter of fact way. They typically have a very rupture way of delivering content. After delivering the content, the promoter then offers a strong argument for stand regarding purchasing the course. The audience typically appreciate that direct of approach that this style exhibits.

Please Baby Baby Please

This style typically sells a bit whiny and typically employees a guilt trip tactic to get the audience to register for the course. This tactic will work on some, but is not a long term strategy for pitching a product or course.

It is important to know that each one of these strategies can have good outcomes but also unintended consequences. We will be exploring this further this week in 1% mentorship group mastermind.

Follow me on periscope @kdcoursebuilder

Join Kat’s 1% here. 

I did not start my business on Periscope, one of the fastest growing live stream applications in the world. But, I will tell you that it has helped me to grow my business in amazing ways. My social media reach has completely sky rocketed. I have more clients, and I am able to convert them at an extremely high rate. Before, I would onboard a new client a couple of times a month. Now, it is more like every couple of days! It is absolutely amazing. I took the extensive skills that I had as a corporate trainer, instructional designer, marketer, and coach and transferred them to Periscope. I could not believe the growth.

I average 100 new followers every week. And, trust me, I had little or now live streaming or social media background. I made a few mistakes early on and learned some valuable lessons. In order to really use live streaming effectively, I have found that it takes three key things: a strategy, a great topic, and crucial feedback once you get started. I mentor entrepreneurs how to use the power of live streaming to build businesses around their courses for long-term sustainable growth. Here's a link to one of my scopes where I have almost 700 people come on live. I made $2938 within an hour of this scope.Click here to watch it. If you are ready to get off the sidelines, schedule some time on my calendar, so I can help you develop a strategy for totally up level your business using live streaming. Follow me on Periscope @kdcoursebuilder. I broadcast Monday through Friday. Now, let's Crush Your Course

Kat

Are you looking for free online courses or training videos designed with women entrepreneurs in mind? Well, today I get to tell you all about my free Back to Business 5-Day Challenge, which includes 5 amazing webinars for women entrepreneurs in need of motivation combined with smart online business building solutions.

These training videos are presented by myself LaShanda Henry and my fabulous power circle experts Kim Coles, Rosetta Thurman, Lucinda Cross and Tiffany Aliche. My goal is to help you with your success goals, online business strategies, and marketing techniques.

Each day, for 5 days I will send you a webinar that challenges you to get focused and fired up in your web business right now.

Back to Business Challenge Day #1
On the first day, I LaShanda Henry aka SistaSense, challenge you to Find Customers Online. Inside this webinar training, I will share 5 quick and not-so-dirty ways to promote your business online, especially for those entrepreneurs who hate to promote themselves.

And as an added treat on the first day, tv personality, and motivational speaker, Kim Coles challenges you to Follow Your Own Personal GPS System. Get focused and fired up as Kim shares 5 Ways to Follow Your Own Personal GPS System Towards a Life (and Biz) Filled with Gratitude, Passion, and Success.

Back to Business Challenge Day #2
Power circle expert Rosetta Thurman challenges you to build a location-independent startup by sharing 5 Steps to a Profitable Online Business where you can Travel and Work from Anywhere in the World.

Back to Business Challenge Day #3
Power circle expert Lucinda Cross challenges you to Activate Your Vision and discover the right steps to really actualize your success.

Back to Business Challenge Day #4
Power circle expert Tiffany Aliche aka the Budgetnista challenges you to Live Richer by implementing a few really simple, super helpful ways to boost your financial fitness and get your bank account back on track.

Back to Business Challenge Day #5
For our last day, I LaShanda Henry aka SistaSense, challenge you to Fire Up Your Social Media Marketing Campaigns. Discover 5 smart ways to use social media to boost traffic and sales on your website.

Plus there are a few bonus surprises that you will get too! But I won't spoil it for you. Follow this link and start the free Back to Business Challenge for today's woman in business.

If you have started the challenge, leave a comment below and let me know what you think about it and what you learned! Also feel free to share this online learning series with your fellow entrepreneur friends. My big goal is to help 100,000 women entrepreneurs get focused and fired up this year.

Make this song your theme song for the week!

Listen.  Be empowered! Share.