The 8 Questions You Must Ask Before Working With Any Business Credit Building Company

There are few business credit building companies out there, however, those that are out there are taking advantage of the lack of knowledge from the general public regarding business credit and how to get a business loan.

DON’T LET THEM RIP YOU OFF!

I’m going to try to show how to get unlimited capital for your business…

Without risking your personal assets, lowering your personal credit score, or damaging your personal credit history

These 8 Simple Questions will ensure Your Success Building Business Credit when looking for a Small Business Loan

There are simply too many people who hire business credit building companies that are not happy with the results. Before choosing another company, if you ask these 8 questions you will be assured that you will be working with a legitimate company who can help you build business credit and more importantly get the small business loan you seek. Getting that business loan is after all what you’re looking for, isn’t it?

Why is it so important to work with knowledgeable advisor? Why can’t you do it on your own? The Fair Credit Reporting Act does not apply to the business credit bureaus; this means that if you make a mistake, skip a step, try and take a short cut, your business credit file can be “Red Flagged.” This means your company is prohibited from receiving credit and perhaps that elusive business loan.

There is a proven step-by-step process that MUST be followed if you plan on properly building your business credit and getting working capital. If you don’t follow the proven process then you can be put into the “High Risk” category. When that happens, no lending institution will give you a cash advance or small business loan and there is nothing you can do to remove it.

Make sure to choose a honest credit building company that has the knowledge, experience and proven systems to support you, before you decide whom you will work with, make sure to ask them these 8 vital questions.

Question #1

Will I be obtaining only trade credit or CASH credit?

Be careful, there are a number of companies out there that will only help you obtain trade credit. Trade credit can only be used with the individual creditor, and nowhere else. This is great if you need $3000 of paper products, but is useless if you need payroll loans, inventory loans, or simply to cover business expenses or expand your company.

And if it is CASH credit, will I always need to personally guarantee the application?”

If the company says you will always have to personally guarantee all types of credit – then you are NOT receiving the full benefit of business credit. Keep in mind, the solution must introduce you to business funding services that will not require a personal guarantee, however these non traditional lenders will still be checking your personal credit and need your social security number. They do this to stay in banking compliance.

Question #2:

Will a trained coach show me, step by step, how to incorporate my business and build business credit with an eye to getting that merchant loan or business loan?

My guess is that if you wanted to figure out the intricacies of incorporating your business, and building corporate credit on your own… you would have already done so. (I’ve done it. And believe me… this is NOT stuff you want to muddle through on your own.)

So if you won’t be receiving step-by-step instructions supported by a trained credit coach, resulting in a predictable successful outcome, call another company. (I’ll spell out each step for securing business loans without traditional personal guarantees in crystal clear detail in a later article).

Question #3:

If I get stuck while I’m taking all those necessary steps, will I have to pay you hundreds or even thousands to help me figure it out?

Many companies charge low fees up front and continue to tack on heavy, additional charges each time you call or write for help.

Make sure they deliver everything you need to know to secure a bad credit business line of credit or high risk business loans, all without the traditional personal guarantee. Make sure you will have access to a dedicated coaching advisor and who places no limits on how often you can speak with them.

Question #4:

Will you have the ability to set up capital loans, and monitor the development of your business credit score with all major business credit agencies all within your coaching platform?

Why work with an advisor who is trying to blindly lead you!

Question #5:

When companies promise to get you cash credit, ask them this pointed question: “What type of paperwork is required to get cash lines of credit?

Beware of companies that say it is not required to furnish any financial statements, tax returns, business plans, bank statements, etc., to obtain a small business loan without a traditional personal guarantee. When it comes to getting approvals for cash advance without a traditional personal guarantee, you will need to show that your company is financially responsible and you do this by showing it earns revenue, pays its bills on time and has establish good business credit.

If the company tells you that you can obtain this type of financing without providing any real documents, don’t bother working with them, they are not being honest.

Think about it, is a lender really going to give you hundreds of thousand of dollars without a traditional personal guarantee without you having to show them that you are a “safe-risk?” Over time I will show you exactly what you need to do in order to become a safe risk and secure a small business loan.

Question #6:

How are your coaches paid?

This is a really important question! How would you like to work with someone that could care less if you obtain the business loan you desperately need? Think about it!

Question #7:

When it comes time to apply for a business loan, are you going to pass me off from lender to lender?

This is another very important question. Virtually every credit building company will, when it is time to apply for a business loan, pass you off to one lender to apply, and then tell you to go and apply at the next lender and so on. They literally end up sending you on a wild goose chase and just hope that one of the non traditional lenders can obtain capital loans for you. Does this sound like something a real business credit and financing expert would do?

Question #8:

What kind of a guarantee do you offer?”

It’s critical to get the specifics about guarantees. Because most companies that offer guarantees or promise only that your corporation will get a 80+ Paydex score. While this is a start, it’s not good enough -

If after completing your program, you should have:

Corporate Compliance and documentation review

D&B file and a D&B rating

D&B Paydex Score

Business credit file with Corporate Experian with an intelliscore

Business credit file with business Equifax with the appropriate business credit score.

Trade accounts and/or Vendor Accounts with and without a personal guarantee.

A Business Credit that can be used to leverage financing opportunities

This is not, by any means, a comprehensive list of all the questions entrepreneurs should ask when it comes to building corporate credit. But if you address these costly and dangerous errors, you will be on your way to building a safe, secure, and financially sound business-the business you always dreamed of!

Hopefully, these 8 questions will help ensure that you work with a credit building company that will be honest, upfront as well as help you successfully establish your business credit and leverage it into new small business loans and opportunities for your business.

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Must-Know Facts About Armored Recovery Vehicles

Various kinds of military vehicles are used in used in war-torn areas or places where conflicts are present and continuous. One of the most common types of specialized vehicles you will see in such areas are armored recovery vehicles.

An armored recovery vehicle, also known as Armoredownload-12d Repair and Recovery Vehicle or ARRV, has the primary purpose of recovering and/or repairing damaged or inoperable vehicles right in the battle field.

These specialized vehicles were first called Salvage tanks during World War I. It was only during the Second World War that people began calling them recovery vehicles.

The earliest versions of these vehicles were usually equipped with repair tools or with winches of heavy-duty to release the stuck vehicles. However, the latter generations or newer models were outfitted with a type of crane attached to the A-frame – a feature which could perform the task of lifting heavy parts from disabled vehicles, such as the engine. In addition, during the post-war period, various great alterations and improvements were made in these vehicles. Some of these capabilities include the improved ability of these vehicles to carry an extra engine to replace a non-working on the field and fuel pumps which allow the easy transfer of fuel. They can also carry anchors which can be utilized as stabilizers in heavy lifting situations.

In the past, recovery vehicles were usually derived from battle tanks of other armored fighting vehicles. Today, most manufacturers build them from the same type of material or vehicle they will most likely or frequently recover on the war field.

Although recovery vehicles are one of the sturdiest and strongest specialized vehicles around, they also have limitations. In cases where the work of a recovery vehicle is not possible anymore, tank transporters will have to be used. Tank transporters have the mission of transporting the tanks on the war field for longer distances, to reduce road damage, save fuel, or to recover them from the war field. Certain types or models of tank transporters are equipped with special protection, in case they have to make their way up to the first line.

Armored recovery vehicles are important types of specialized vehicles to have and use where fighting, especially with the use of artillery, is consistently present. To make sure that you can make the most of your vehicles and that the operator and passengers will be safe during transport, make sure that you purchase them only from a well-known and trusted automotive manufacturing company.

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Preparing Your Car for Winter

The Canadian winter season can considerably influence driving conditions. In situations like this, drivers are more prone to accidents. It’s critical to focus on cautious driving to protect yourself and keep your family. Safe driving also helps minimize your insurance rates while reducing wear and tear on your vehicle.

Here are a few checks that you can perform to ensure that you, your family and your vehicle remain safe over the winter months:

Take your auto in for a tune up before the first snow fall. Having the peace of mind of a well maintained vehicle all year is an excellent idea, but it’s particularly essential during the winter when driving conditions are impaired.

Ensure you have the right oil for your vehicle. In general, thinner oil like 5W30 works better in cold winter conditions than 10W30 or 10W40, which are thicker. Thinner oils circulate easier, which makes lubrication of your engine easier in cold temperatures. To find the right oil for your specific vehicle, check your owner’s manual.

Keep your gas tank full. A full gas tank lowers the chances of running out of gas and being stranded. In addition, it brings down the possibility that your gas lines will freeze up because of condensation or water vapor buildup in extremely icy climates.

Ensure your battery is in great condition. Being stuck in remote areas and being unable to start your car is dangerous. Check that your battery’s connections are corrosion free and for batteries older than 3 years, consider testing its capacity to hold a charge.

Ensure you keep a winter emergency kit in your vehicle. A well thought out kit can be a lifeline in the event that you are stranded in the middle of nowhere, or on a highway. A high-quality winter kit for your car should include:
No less than one warm blanket.
A flashlight.
A shovel, in case you need to dig out of deep snow.
Additional warm garments, including boots, gloves and caps.
A well stocked first aid kit.
A bag of salt or sand to give you extra traction if you get stuck.
Food and drinking water. Foods with high sugar content are excellent choices.
Jumper cables.
A flare.
Spare windshield wipers.
Extra windshield washer fluid.

Test your tire pressure. Because of the colder air, your tire pressure tends to drop a small amount in the winter. Keeping your tires at the maker’s prescribed pressure makes your vehicle simpler to handle, making you more secure on the road and will even improve fuel economy which will save you money!

Check that your anti-freeze mixture is correct. Your coolant should have a 50-50 mix of anti-freeze and water. If you’re uncertain, you can purchase a reasonably priced anti-freeze analyzer at most automotive part stores. Keep your anti-freeze levels above 50% to prevent leaving your engine susceptible to freezing up.

Think about snow tires. If you tend to get heavy snowfall in your area, it might be worth getting snow tires for your vehicle throughout the winter months. The deeper grooves on snow tires provide substantially more traction on snow covered surfaces, which makes them able to stop your vehicle up to 40% more rapidly than all season tires. As well, snow tires are constructed with a specific type of rubber which lets them to preserve their flexibility even in coldest winter conditions.

Consider replacing your windshield wipers if they are not in good condition. Defective windshield wipers can essentially debilitate your capacity to see in wet and icy climate conditions. If your windshield wipers are not making good contact with the windshield and are not clearing it properly, they should be replaced.

Check your brakes. On the off chance that it’s been over six months since your last brake check, have them checked again before the winter driving season. With the dangerous conditions that winter brings, having the capacity to stop quickly is much more critical than in warmer climates.

Performing these checks before the ice and snow can keep your vehicle running safely and easily all winter season. This will give you one less thing to stress over when you’re driving and help to keep your auto insurance premiums low.

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Why You Should Buy Sarees Online

Probably one of the biggest ceremonies in India is traditional Indian weddings. And if it’s traditional, it has to be saree. Indian women look beautiful in sarees. Indian women and sarees- they always go hand in hand and are absolutely inseparable from each other. Since the time the civilization happened, sarees has always been one of the most beautiful and precious ornament that enhances the beauty of a woman. It’s the 6 yard long fabric which makes you a complete woman.

Unfortunately, buying a beautiful saree for an event or wedding is not easy. You must have encountered a situation when you were looking for a beautiful saree for a wedding and ended up wasting a lot of time and energy by going here and there, and yet you failed to find a lovely saree. However, things have now changed a bit. Buying a saree is no more a difficult task. Thanks to the DIGITAL TECHNOLOGY!! You can now buy a saree online from the comfort of your home. You just need the best gadgets to access the ecommerce sites online.

Have a look at the following reasons why more and more people are looking for an online saree store:-

1. It Saves Your Valuable Time

The very obvious reason why more and more people are buying shopping online is because it saves their valuable time. When you have a tight schedule all the week, it becomes difficult to take out time from your schedule and spend few hours in buying a beautiful saree which you will wear on a special occasion.

And this is exactly why online shopping is in trend. It will not only help your time by receiving a home delivery, but they also offer excellent discounts on brands. You won’t have to leave your home for shopping. You can always do some window shopping online whenever you get time.

2. Trendy Clothes

Before the trendy sarees come in the market, you can find the same in a digital store. Yes, this is the place where you can find the latest fashion. Do you need any other reason why you should buy saree online in India? Well, we have some more.

3. Of course, CONVENIENCE

When you have decided to buy a saree online, you have opened the doors of comfort and convenience which helps you to buy the same anytime you want. You don’t need to go from one shop to other, and you can easily place the order either from your home or your office. Now, you don’t really need to struggle hard in finding a gorgeous muslin saree.

4. 24/7 Stores

One of the best features of the online store is that they will always remain open i.e. 24/7 available to assist you all the help whatever required unlike the stores in the market which closes quickly after a specific time. Whenever you get some free time, you can always do online shopping. Now time won’t have the strength to bind you if you want to buy gujrati handloom saree at 2.am. Isn’t that great?

5. Price Comparison

You always have the option to check the price of sarees in different online store, do a quick comparison between both of them and buy the best one at the cheapest price. You don’t need to be in hurry. Take some time to decide, read all the features, as there won’t be any sales person selling the product to you. It’s your choice.
Top 3 Wedding Sarees You Can Buy Online

JAMDANI COTTON SAREE

Jamdani sarees are beautiful. They are very popular among Bengali women. It’s the beautiful fabric in colorful shades which makes this saree more popular. You can get this saree at a much cheaper price in the online store, and not any Jamdani cotton saree store.

SILK SAREE

This is a kind of saree which is prefereed by classy women. It makes you look modern and classy at the same time. When you are looking for a silk saree, always look for some bright colors i.e. green, blue, orange, purple. They are beautiful.

Aplick Work Saree Online

In few parts of India, this saree is popular and it’s quite expensive if you buy it from a local saree store. They are the perfect option of office wear. You can find these sarees in different colors, patterns and designs.

Before buying sarees online, you should visit the websites and read the customer reviews/testimonials to find the reality. All the reviews you read will give you an idea about the online store. If the customers are happy and satisfied, they will share a good review. It will also help you know the authenticity of the company. There are many other aspects you need to keep in mind when you are shopping online:-

• Choose the most reputed and established online saree merchants because they will have excellent shopping sites. They will also describe about the saree i.e. fabric, colors used in the saree, enlargement of the saree and blouse both.

• They are also very quick when it comes to delivering the product and most of the times, they won’t charge a single penny for the delivery. It will be absolutely free.

• Online stores also offer great discounts during the festivals so that buyers can shop more when the prices are decreased.

• Online stores offers the latest trends and therefore it will be a great choice for you.

Finally, where should you go? You always have the option to buy from a local store or shop online. When you are looking for a saree online, you should also select the fabric which will make your search easier. Simply go through all the options, and choose the one which will make you look beautiful.

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Online Presence And Reputation Are Key Factors Behind Successful Businesses

Online directories can be quite beneficial for startups and small business firms. Business owners just need to understand how online business directories work. Online directories are site submission services which allow businesses’ sites to be added to particular categories where the websites become easy for interested visitors to search.

Web directories and their importance

Online business directories let the target traffic to search for businesses and websites which they want to know more about or find interesting. Adding a business’s site to an online directory can increase the site’s online visibility. Moreover, online business directories can make it simple and easy to find what people are searching for.

The concept of such business directories is a simple one. These directories are quite similar to the Yellow Pages. Online business directories are just listing places for business websites. Any kind of site can be listed in online directories. Some directories are enormous and cover all topics that people can create websites for. On the other hand, there are small online directories that cover only a particular niche.

Get listed in a web directory to improve your business performance

To keep it straight, online business directories can direct people to any site which they want to find. People just need to search for particular categories or different types of categories till they find the kind of sites they are searching for. When someone browses through an online directory, they will be given lists of sites which relate to their keyword. They will also be given a list of links to the sites. These links will also have short descriptions about the websites. People can go through these descriptions and decide which one they want to choose.

Online reputation is vital any business these days

Exposure is a vital requirement of all kinds of marketing strategies. In fact, when people are more exposed to a business, they most likely will make use of the business’s services. When a business doesn’t have a proper online presence and online reputation, even its existence might not be known to people. If this happens, then business has great chances to become a failure.

Listing businesses’ sites in online business directories can help sites in gaining exposure. Tons of online visitors get to make use of such directories for finding things that interest them. These are prospect buyers who actively search for sites which are related to services or products that one’s business may be all about. Web directories can expose businesses to the target visitors. Hence, websites will get an increased amount of target online traffic. Apart from getting listed in online business directories, it is also important for businesses to have positive reviews online.

What more you need to boost your business

There are a few important reasons why businesses should take advantage of reputable online business directories for getting more prospects. On a daily basis, prospective customers keep searching for different types of business for finding solutions to their problems. This is when they may come across online business directories that may list of the types of sites they are in need of.

Make sure your business has positive reviews online

When potential customers find businesses on the internet, they go through online reviews for making sure that they get in touch with the right company or people. When businesses have good reviews on the internet can build their credibility. Such reviews can also let people know that businesses are reliable so that they can trust them. In addition to increased online exposure and positive reviews, online business directories don’t bother people’s budget.

Money matters at the end of the day

There are loads of online directories which can be used by business owners for free to list their businesses. This is one aspect that makes online directories one best marketing strategies, when it comes to running a business successfully. Any small business owner who wants to improve the online reputation and presence of his or her business may utilize the service of an online business directory.

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6 Tips Before You Rent a Boat

Sailing a boat is a great experience, especially when you are sailing with your friends or family. It’s true that not everyone can afford to own a boat to have the sailing experience, but that doesn’t mean they can’t do it. If you want to sail a boat but don’t have the money to buy one, you can use another option and rent one. However, you should know a few things before going this route. This will make sure that you will be on the safe side.

Tip #1 Reserve a Boat Ahead of Time

In summer, the demand for boats is higher than in winter. Therefore, you may find it harder to find a boat that hasn’t been taken. To avoid this situation, we suggest that you make the reservation a few weeks earlier. As soon as you have confirmed your vacation dates, you should have a boat reserved.

Tip #2 Consider Your Needs

As a beginner, renting a fast boat won’t be a good idea for you. But if you have a friend with you who knows how to sail a boat, then you may go ahead and rent a fast one. Another thing to keep in mind is that the selection should be based on what you want to use the boat for. For instance, not all types of vessels would be suitable for fishing. For recommendations, you can get in touch with the boat reservationist.

Tip #3 Rent a Well-maintained Boat

The boat you are going to rent must be in good condition. In other words, make sure the boat doesn’t have any defects. But the question is how can you know if the boat is in good working condition? Well, you should take a look at the rental office or building. If the building is well maintained, the boats will also be in good condition and vice versa. Remember: sailing a damaged or defective boat may put your life at risk. So, you should never compromise on this factor.

Tip #4 Use Charts and Maps

The boat you are going to rent should have the latest charts. They will make it easier for you to know the directions to wherever you want to go. Since waterways change from time to time, having the latest maps is highly recommended.

Tip #5 Safety Is of Paramount Importance

The most important thing in our lives is safety. So, make sure that the boat has all the required safety equipment. Also, the law doesn’t allow you to use a boat if it doesn’t meet any safety requirement.

Tip #6 Communication is Important

The boat you are going to rent must have a working on-board radio. In case something goes wrong during sailing, you can use the onboard radio or your cell phone to call for help. Also, don’t forget to save the important numbers in your phone before you board the boat.

So, these are some boat renting tips that you should note down and take into account before renting a good boat.

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Tips To Help You Plan A Fulfilling Cruise

Cruises are some of the most exciting vacations you can choose to enjoy. They offer unbeatable value because you do not have to think about constant transportation needs from place to place and neither do you have to pay costly airfares to your destination. The cruises give you the chance to enjoy refreshing sea air helping you relax and simply enjoy the warm ocean breezes whenever. With so many ports scattered around the world, you can place a cruise travel to visit areas that you have always wanted to visit.

If you love water and water activities, then cruises will prove to be most rewarding to you. But then to enjoy the most pleasant experience you still need to plan properly for your cruise. When everything is in order from the initial stages, then you are bound to enjoy a fulfilling vacation on a ship.

1. Know the number of people cruising with you

If it is just a few of you, then planning should be easy, but you will need a lot more planning and coordination when you plan to travel with more family members and friends. If you are bringing children along, then you need to make sure that the cruise package has plenty of activities for them too. You can plan for a private kind of cruises or you can choose to pay for cruises that accommodate lots of other people headed the same direction you are. The important thing is to choose what works for you and the people you are tagging along.

2. Choose the best cruise length

Cruise packages differ in length and the vacation time you have available should help you select the length that is most suitable. A cruise can be only a few days or you can choose one that goes for a week and more. A weekend cruise can be a great choice for those with little time to spare. With so many destinations and packages, you should be able to plan a cruise length that you can afford and enjoy to the fullest.

3. Pick the best stateroom

People have different preferences when it comes to cruises and your stateroom choices should be guided by your vacation preferences. For instance, if what you dream of is lounging in a private balcony as you enjoy the gracious tropical views, then a balcony stateroom is the ideal selection. Couples can cruise in a suite or a penthouse to get the most from the cruise vacation. If you are a little pressed on a budget, then you can always settle for an inside stateroom. Some cruise packages can offer you additions such as 24 hour butler for your luxury experience.

4. Consider onboard activities

Even when you are going on a romantic cruise vacation, you will definitely need activities to fill your time on board. Find out what activities you will find on-board and how exciting they will make your cruise. Spa services, wine tasting, bingo, culinary demonstrations, live entertainments and others are some of the most popular on most cruises.

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Sensible Manufacturing and the Ultrasonic Flow Meter

The Manufacturer MX Awards

Each year The Manufacturer MX Awards aim to recognise great achievements in the industry. Entries are invited for a number of different categories, with the ultimate title of ‘Manufacturer of the Year’ presented to a company that is strong across the board.

The winner of this year’s ‘Manufacturer of the Year’ title was announced in November and Dura Automotive took home the award. The company also returned to the office with awards for ‘People and Skills’, ‘World Class Manufacturing’ and ‘Sustainable Manufacturing’, so it was well worth attending the event!

Investment in Employees, Quality and Sustainability

Dura Automotive are an international company that design and manufacture control systems for the automotive industry. They may be a large operation, but the awards they won clearly illustrate what it takes to grow a successful business; investment in employees, quality and sustainability.

If you take a look on their website, you will see that their objectives are to ‘inspire drivers, customers, our people, the competition and stakeholders through innovation and performance’.

They understand that in order to deliver full customer satisfaction, they need to deliver high quality products. To do that, they need to stay ahead of the competition with innovative ideas, products and processes, staff training and development opportunities and a positive, customer focused vision. In addition, they understand the importance of integrating sustainability into every aspect of their business.

Sustainable Manufacturing

Sustainable manufacturing focuses on minimising the negative outcomes of production. The overriding aim is to lower the environmental impact of manufacturing and distribution, yet the real benefits to business come from the fact that in working towards sustainability is a process of continuous improvement.

Many manufacturers have been incentivised to take action. On the receiving end of Government initiatives or in a bid to reduce energy, water and waste management costs, more companies have been willing to consider sustainable options. Whilst they may have started off thinking of this as a tick box exercise, the real benefits of taking action soon become apparent. Huge savings have helped many companies to remain competitive in the global market, have paid for other investments or have boosted profits.

Flow Monitoring

When it comes to water and energy use, flow monitoring has proved valuable in running processes at optimised levels, improving quality control, minimising waste and reducing downtime due to problems in the process. This has supported significant cost savings in storage, processing, waste management and utility bills.

By investing in low cost ultrasonic flow meters, which retrofit to the exterior of pipework, flow monitoring can be straight forward to implement. Calibrated to the specific flow range of the liquid or gas that passes through the pipe, the ultrasonic flow meter provides data that quickly identifies when abnormal flow rates are detected. This acts as an early warning system, so the issue can be quickly identified and rectified.

The ultrasonic flow meter also supports the optimisation of the process, which can be highly effective in quality control. This has been widely used to reduce waste batches and waste management costs in food, pharmaceutical and automotive industries, to name but a few.

All of these potential cost savings from an affordable ultrasonic flow meter certainly justify investment in monitoring technology. Other low cost devices including tap aerators and rainwater harvesting systems have also helped UK businesses to gain a lot more than environmental credentials.

Recycled Materials

Another area in which Dura Automotive have invested is in research and developments around the use of recycled materials in their products. When manufacturers consider reusing materials rather than raw supplies, it can present a number of challenges. Being open minded to these challenges can lead to innovative thinking, fresh ideas and approaches which could open up new avenues for the product or company.

The use of recycled materials does depend on sufficient quantities being provided by a reliable source. Having said this, if a large scale operation such as Dura can find viable alternatives to raw materials, then a bit of research could lead to suitable supplies for smaller businesses.

There is often a cost in processing the material to ensure it is of a suitable standard for reuse. Companies may need to explore partnerships with other companies and other collaborative approaches to ensure that cost effective and convenient options are found.

Sustainable Advantages

Like Dura Automotive, the majority of the other manufacturing award winners also placed considerable emphasis on sustainability. If you want to see your company going from strength to strength, a greener approach could deliver many tangible advantages.

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The Secret My Lawyers & Accountants Didn’t Even Know About – How to Get a Business Loan

Stop! Turn off your cell phone.

Quit tweeting and texting for the next 4 minutes. Grab a cup of coffee.

Shut the door so there are no distractions. This is that important!

Because I’m about to reveal to you the greatest secret to getting a business loan for as much as $25,000, $50,000 or even $250,000 – even when the bank says “NO!” and even if you don’t have perfect credit.

I have to warn you though… Don’t pay attention to the credit card companies. Forget everything you’ve heard. You can actually hurt your chances of getting the small business loan you need if you follow their advice.

It’s true. Why? Because they’re more concerned about raking in record profit margins and reaping huge bonuses! They don’t care about your business or if you get a business loan.

Credit cards companies want you to keep piling up debt on your high-interest personal credit and hold you personally liable for your expenses.

Do you think they really care if it takes you 10, 20 or 30 years to pay it back? Or if lowering your spending limit for no good reason has affected your business? Or if your personal credit is destroyed while you try to build the business of your dreams?

Of course not. Not when it means more money for them! And let’s not leave out the banks. Business lending is at all-time lows. Think they’re interested in taking a risk, however small it may be?

The secret… How to get a Business Loan

But there’s a little known secret that most small and mid-size business owners don’t know about. Heck, even most credit card companies don’t advertise it. I didn’t even know about it and I’d been running businesses for years!

Accountants I’ve used for years weren’t aware of it. Lawyers who I’ve paid up to $700 an hour didn’t know about it. But I’m about to reveal it to you right now and it won’t cost you a penny…

I’m not going to make you read every word of this or make you jump through hoops to get the secret. I know you’re busy so I’m going to give it to you right now and then explain how to make this secret work for you.

Here it is: You can get a small business loan. Usually reserved for large corporations, there’s a 7-step process for small and mid-size business owners to get the business loan they need without a traditional personal guarantee.

Mystery solved! More about that in a moment…

Whether you’re looking for a start up business loan, have an existing business or if you’re buying a business or franchise, you can now access working capital.

Don’t have perfect personal credit? No problem.

It doesn’t even matter if you have less than perfect personal credit. You can still get business financing, whether that’s a merchant cash advance, or business loans with bad credit.

That’s right. You no longer have to rely on your personal credit to finance your business. You can rebuild your personal credit and create a business credit profile to get the business loan you need to grow your business.

Imagine not relying on just personal credit cards to finance your marketing, purchase inventory or pay for expenses… sleep easier every night knowing one misstep won’t cost you your family’s home… and get access to much needed working capital so you can expand. That’s a dream come true for many business owners I work with, especially right now.

Does this sound familiar?

“We’re very sorry to inform you that your credit limit has been reduced due to current economic conditions… “blah, blah, blah!

Take one client we’re working with right now. Mike owns a dozen wireless phone stores. This is his most recent venture after successfully running other small businesses for more than 30 years. And just like he’s always done, he financed his inventory with his American Express card.

Every month he bought $50,000 worth of inventory, sold it and paid it off before the end of the month. But just a few months ago, his purchase was declined. American Express reduced his credit limit from $50,000 to $30,000 without any notice – not because of anything he had done.

The only response he got went something like this: “We’re very sorry to inform you that your credit limit has been reduced due to current economic conditions… ” blah, blah, blah! So he had to scramble to find other ways to finance his inventory. A short while later his $30,000 inventory purchase declined. Why? Because his credit limit was reduced to $20,000. Then his credit was squeezed again to $10,000.

It gets worse. As his credit is getting squeezed American Express is reporting to the other credit bureaus that his credit is being reduced so they also follow suit.

Meanwhile, the amount of debt as a percentage of his total available credit or what’s called his debt utilization rate increases. This is one of the most important indicators creditors look at when evaluating a credit score – and Mike’s personal score was dropping like a brick.

When he came to us, we immediately showed him how he could separate his business credit from his personal credit and his first reaction was, “I didn’t know I could do this. Are you telling me that I could have been building business credit and may still be able to get a small business loan?”

The answer is, “Yes!”

We’re working with him to help him and he’s borrowed $100,000 that does not have a traditional personal guarantee.

You really can get the funding you need without putting your personal credit at risk.

I’ll show you how in just a moment. But first I think it’s important that you know a bit more about me.

I own a firm that specializes in helping business owners get the business loans they need to finance their businesses without sacrificing their personal credit.

If you’re like me you probably thought business funding wasn’t even an option.

As a small business owner (prior to starting my own financing company), I personally guaranteed everything because I thought that’s the way it was done. I even prided myself on how well I did it while growing my Internet marketing business. I started with a $5,000 line of credit on my American Express and I played the 30-day float. Over time, I was regularly spending $300,000 on my card – every month!

If anything went wrong the expenses would have crushed me. I didn’t have that kind of money to cover the costs! Fortunately, I was lucky enough to avoid disaster.

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Cellular Or Mobile Phones: How Are They Affecting Children And Us?

I am sure you are using one of them, like almost everyone else doe’s including me. As you become aware about some things, most likely you will be making changes the way you use a cellular phone from the information and awareness you be reading about.

There are as many as over 7 billion mobile phone subscriptions worldwide. Continued research to clarify any health risks coming from cell or mobile phones is ongoing. The first thing to come to mind is electronic radiation such as changes to sleep patterns and brain activity. Lots of evidence demonstrates that radiation from cell phones is a real danger.

Many different researches over years have confirmed that long-term exposure to cell phone radiation is a significant risk to health. Such findings of course are strongly denied by the other side of that argument, depending on which side of the argument you listen to. Debates like this have been ongoing for years and most likely will never be settled. After all, why would designers and manufacturers admit to any danger coming from phone usage? This would certainly kill the goose that lays the golden eggs!

The international agency for research, which is part of the world health organization released a statement over five years ago and declared cell phones a class B Carcinogen.

Long Term Exposure: How Long Is Too Long?

Whatever the brand name, I Phone, blackberry, android, tablets, Smartphone’s or just a basic flip phone has revolutionized communication in the 21st century. Some people spend as much as 2 ½ hours or more on the phone daily. Because cell phones are providing an efficient and easy way to communicate, but at the same time this can also take a toll on health.

The possible effect of a long-term heavy use of any mobile phone and the length of each call matters. The amounts of time people use cell phones are important factors which enhance the health related risk. The amount of radio frequency energy from a mobile phone use being released depends on different factors, such as distance from face and ear, the type of phone used, and the distance between cell phone towers.

What these findings are telling us: Make your conversation on a cell phone as short as possible or better still use a hand free device which places more distance between your head and the phone. Turn off the phone when not in use. Use the speaker phone when possible. Keep your phone away from your body as much as you can. Never use your phone while driving or even worse texting; this puts you and others in a potentially dangerous situation.

Children Are More Vulnerable

Children have the potential being at greater risk and affected in different ways. The brain of a child is not fully developed until the age of around 20. This makes any exposure to electronic radiation and radio frequency more dangerous for children than for adults. The other issue which affects a big percentage of children as well as teenagers is eye vision. Looking at mobile screens, what is it doing to kids’ eyes? Almost at any age children love playing with smart phones but what are the long-term effects?

Unfortunately some people are using such gadgets as baby sitters for the children without being aware of the damage it does. Children like to watch things close up on screen which is contributing to spike in becoming short-sighted. Studies have shown there is an alarming increase that affects many children between 10 and 12 years old and the amount has doubled over the last decade. The fact is: The more kids watch things close up on screen, the more they put their eyes in danger.

It is most common for children to develop myopia which gives a blurry long-distance vision. Myopia can also increase the risk of other eye problems in adulthood as well, including cataracts and blindness. However, most of the myopia cases are as young as six and 15 to 18, of course genetics play a role in severity in this.

As a guide, reduce screen time to as little of 2 hours per day from 2 to 5 year olds. There should only be a small increase of time allowed for older ones. Actually in Taiwan, if a child under the age of 2 has been found with a tablet or playing with any cell phone the parents will get a heavy fine.

Children who spent more time outdoors in fresh air and sunshine have a far lower rate of myopia. Limit the screen time, encourage kids to spend more “green time” hours in nature outdoors for better health. Make sure to include a colorful veggie diet from leafy greens which contain lutein, this is known to help eye sight and vision.

In General Common Sense Applies

A cell or mobile phone for most people has been one of the most revolutionary developments in time. It is a great communication tool being able to carry it with you wherever you go. It is a good security and emergency device that can save lives. So, what is wrong with all of those gadgets?

Could it be just the one who is using it creating that problem?

There are too many people going to the extreme and don’t know what is any longer normal or reasonable. That also applies to our food intake, beverages, including alcohol, and tobacco etc. All of those are not, or less harmful if used in moderation. If only used for short time this also can apply to cellar or mobile phones, and can reduce the risk factor as much as eighty percent.

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