Blogs

In other posts, I have said that we can use energy healing to address, and find solutions to, many of the problems, issues and difficulties facing the Black community today. 

I go into more detail, and talk more about Spiritual Response Therapy (SRT), in How to Get Clear, Precise Answers.  Check it out. 

Click here for more Black Success audios. 

Please share this information with anyone who can benefit from it. 

http://www.businesscreditamerica.com/how-can-i-create-my-own-cpnscn/

1-888-883-3013

A high school student, 3.8 GPA, two basketball scholarships, on her way to college in pursuit of THE AMERICAN DREAM. In a little as two weeks after graduation, she found herself on the other side of the law. Soon she was charged with 11 counts of Armed Robbery and 5 counts of Aggravated Assault, with the possibility of spending 135 years in prison. A ten minute decision that severely affected her parents, her brother and ultimately her promising future.

INMATE 1142980: "The Desiree Lee Story"

Tuesday @ 6:00pm EST - Listen online > http://tobtr.com/s/6203991

The Sharvette Mitchell Radio Show
www.iamdesireelee.com

| Her Story, Your Opportunity | Join her journey to prevent teens from incarceration!

Need help with putting your resume and cover letter together, email me at Bossladywriter@gmail.com for inquiries and quotes. You're also welcome to pass my information along to others. 

Thanks

Hannah

http://www.businesscreditamerica.com/business-credit-services/ 1-888-883-3013

Women Entrepreneurs, they wanna get into real estate investing, however they see it as a challenge.

I'm not excluding you gentlemen, but this here is mainly gonna be directed towards an overall, but mainly towards the women entrepreneurs to help them, just as well as the gentlemen, how to get into real estate investment, okay? And the first thing you have to do understanding that even though [01:32] ____... Number one, you have to have... You have to clean your credit, okay? And the reason that I say clean your credit, it's because even with hard money lenders, they're not trusting. Some of them, if you've been out there long enough, they'll deal with you. But if you're a newbie coming into the game, hard money lenders, they're gonna see what's on your credit. They're gonna look and see if you ever owned any type of real estate before. Because again, as I told you all before, your credit is your personality. Your credit tells a lot about you, whether it may be true or not, it does say a lot about you.

That's the reason that I try to encourage you all. First, fix your credit. And it doesn't take a long time to fix your credit. I know there's a lot of credit repair companies out here that have disappointed many of you with the credit process. That's the reason that, with our program, I implemented the escrow accounts. So, that way, it protects you as the consumer, as well as making sure that the job gets done. That means that you put that money in escrow, and the repair company cannot access that funding until they are able to show that they have cleaned the credit, at least between 75% to 80% of that credit. So, there's no way that you're gonna be taken advantage of, not if you're coming through my company, okay? And we have four different divisions that deal with credit, plus an in-house attorney, which is very good.

http://www.businesscreditamerica.com/business-credit-services/ 1-888-883-3013

Remember to get your free virtual seat for Black Women Millionaires Virtual Salon hosted by Dr. Venus Opal Reese from March 5–7, 2014.

Dr. Venus knows what it takes to break through inner glass ceilings that limit performance and, by extension, your profit. She is passionate about making sure other sisters know how to monetize their worth into a seven-figure business.

She has gathered 12 Black Women millionaires who pull the curtain back and let their hair down to give you their proven INNER secrets on what it REALLY takes to make millions.

This 3-day training will change the trajectory of your life! Register now. www.BlackWomenMillionaires.com

http://www.businesscreditamerica.com/business-credit-services/

 Okay. Now, I hope that you all can see that. But the thing about the business credit score, what it is and how is it affecting your business? Now, I've broken it down into three categories because these are your most important categories. You have your PAYDEX score, you have your business credit rating, and then you have your bank rating. And talking about the PAYDEX score, a lot of people are concerned about their PAYDEX score, which is 80 or above. However, the PAYDEX score is only good for trade vendors and net vendors. So, if you really don't need those type of companies, you're just trying to get funding for another project, or whatever, this really wouldn't be an impact on you because you're not trying to get trade credit or Net 30. Net 30, Net 7, Net 15, they have different wants, such as Net Vendor credit and stuff, and Trade credit. That's basically like your Seton, ULine, Grainger. And what ends up happening most of the time, we buy from these companies just to get them to report on our business credit, to get a PAYDEX score. However, the thing about it, the majority of the stuff we buy, we usually don't need it for our business.

 And so, we got stuck in this... This is mainly part of the tier system method where they teach you, set the company up, buy some Net 30s then buy another round of Net 30s, then apply for some gas cards, then attempt to apply for some unsecured cards. Usually, the tier system... I can truly attest to this, it usually will take you anywhere from nine months to a year or longer. Depends on how active you are in your business. Okay, so that's what the PAYDEX score. The PAYDEX rating is 80 or above, meaning that you're good a payer. You pay good on time, okay, and it's just mainly for vendor credit.

 Now, your business credit rating. Your business credit rating, this is important. This is an important factor because this determines if you get business loans or business credit cards. So that's what the business credit rating is. That's the reason that you'd see me on the video always telling you to update your financials. Make sure you do the UCCs, things like that. That's what affects your business credit rating. And then I told you about the different banks to go to in my ebook that tell you where to go and get those secured bank cards and stuff, because that will help with their business credit rating.

 Now, this is one that most people aren't aware of and not too many people speak of it, maybe because they don't. But the bank rating... Now the bank rating actually deals with... Well, your business bank rating. It actually deals with the activity of the business checking account in which you should have... When you're setting up a corporation, usually what I teach on, with the corporation, with C corporations, you wanna to have three accounts. You wanna have a business checking account, a business savings, and a business expense account. And in my ebook, I explain to you why you want to have those accounts set up like that. But the business banking ratings this year, is where it goes off the activity. How many deposits have been in the account? How often are you depositing money into the account? How long does the deposit stay in there? And the larger the amount of money you deposit in the bank, and the longer it stays, the higher your rating. So, the larger the amount, the longer it stays, the higher your rating.

 So, this is your bank rating. This is what really determines the amount of money they're gonna loan you. This here determines whether you're gonna get approved for unsecured credit cards and/or loans with a business credit rating. But this here, determines the amount of money. So those are the two differences there. So, you have your PAYDEX score, which is talking about your trade credit or your vendors. Your trade vendors, which describe you as Net 30s, you're Net 7s, you're net 15. Then you have the business credit rating, and this is what determines you being approved for loans or credit cards, unsecured or secured, okay. But your bank rating, that's dealing with the activity on those business bank accounts, okay. So, the more money you have in it, the longer it stays in it, determines the amount of money they're gonna loan you, future-wise. So, this is just a basic video I wanted to break down to you guys, so you can understand. If you are looking at companies, and they are not explaining this process to you, to actually help decide whether you should let them help you or you should do it on your own, then you don't need them because they should be at least explaining some of these basics to you. If they're not explaining these basics to you, they're wasting your time guys. And more likely they're gonna linger you on, so that you are paying them more money, but at the same time you're not getting any results.


http://www.businesscreditamerica.com/business-credit-services/

http://www.businesscreditamerica.com/landing/sallie-mae-student-loan-illegal-practices/

Hey guys! Houston here with Business Credit America, and today I'm just gonna get right to the point, and I wanted to talk to you all about Sallie Mae Student Loans. And I know from many of you all, may have seen my student loan video removal of Sallie Mae Student Loans. And the thing about it, you actually can't have those type of student loans because they're, not under the government guidelines. If you have government student loans, you can go to directloan.com. If you go to directloan.com, right there, all of your government student loans, they can consolidate them all into one, and they will lower your payments.

In reference to your private student loans, because they're all under FDCPA, you have the right if you have to, if you need to file bankruptcy, those types of student loans, you can, especially like Sallie Mae. Sallie Mae is a privately held company, and I tell a lot of people that call me, and I talk to them about their student loan. By them being a privately held company, they're not under the government guidelines. And so you do have a right to file bankruptcy under that because like with Wells Fargo, with Chase Bank, Sallie Mae, they all fall under...

What type... What it is is that Sallie Mae... Sallie Mae, what they were doing, they would go to the government, and they would buy student loans from the government. And then, "Okay, we're going to service these." So the government like, "Well, okay. If you service these then, you have to pay us a monthly insurance payment on these loans." See, when you took a student loan, they automatically used... But most of the time they automatically loaned you until the insurance program. And so that insurance program was for in case you default, then the insurance company pays off that loan for you. And so, like a lot of people, they don't know that.

 And if you ask for your original contract with whoever, whatever school you went to, when you signed up for Sallie Mae, if they can't produce that contract, then they should not be reported on your credit report anyway. Also, another thing that Sallie Mae does is that say, that you defaulted way back when on your loan. What they'll do to keep on the collection practices, they'll re-age your account. And so they never report the original default date. So that puts you, like you're just starting over when you actually, because of the seven year time lapse on a loan or a regular loan except for a government loan, then it should have been folding up your credit anyway. But what they do, they re-age your account so to keep the student loan on there, especially when they're not backed by the government.

March's Sisters Under The Feathers: Today's Black Pinup Girls & Burlesque Dancers is Miss Katharine Kine! As smart as she is beautiful, she is a gal worth knowing! After you do, be sure to buy yourself something pretty!

www.noir-a-gogo.com

You probably know that people of African heritage are at statistically higher risk of some health issues. 

Then, too, some issues affect everyone. 

Every year, many people die from using prescription drugs. Everyone is at higher risk of developing cancer, particularly cancer of the kidneys, from using prescription painkillers.

The Tapping World Summit is in full flow, and I have some free Black Health downloads for you. 

Check it out:  Black Health: Pain Relief without Drugs - Free Downloads

Please share this with anyone who can benefit from it. 

Here's to your health!

As a Christian and a family focused entrepreneur, I believe that faith is a main ingredient in any size business success. 

In spite of the economy, the people of God must remember that if you honor God through your business He will direct your path.

Check out the PODCAST now

Have you ever heard or read something that made you want to get up and do something productive? Your mind starts racing thinking of all the ways you are going to accomplish your goals.

Not everyone has the nature of being an entrepreneur. It’s an uncertain world, and there are only so many things you can control. Choosing to embrace uncertainty and becoming comfortable with being challenged daily, seems completely irrational because the odds of succeeding are slim at best, but most succeed because of their unwavering belief, laser-like focus and persistence.

Always wanting to stay motivated and focused are key elements to being a great leader. Every great leader has quotes that have shaped their outlook and have gotten them through - challenge to challenge, and victory to victory.

However stressful failure can be, if you pick yourself up and get back on the horse, you’ve passed the real test.

LISTEN to the podcast here