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Monday, December 20, 2010
Friday, November 12, 2010
Thursday, November 11, 2010
How To Get Business Credit The Hard Way
Form a Corporation.
I have a Corporation some guys favor C corps and still others like S corps. Check with your accountant to see which is best for you. There are some companies out there that will sell you seasoned “shelf-corporations” for several thousand dollars. That’s fine if you want to go that way but it won’t get you big lines off the bat because they aren’t cash-flowing corporations. I personally think they’re a rip.
Get a Tax ID
Also known as an Employer Identification Number of EIN you can get this online for free from the IRS website.
Get a DUNS number from this site http://www.dnb.com for free
D&B is to business credit like FICO is to personal credit. They rate your company and your vendors report to them. Get signed up at http://www.dnb.com
Your goal is to build your “Paydex” number. Your goal should be a Paydex of 80.
It will take 3-6 months to build up your paydex. Be patient.
Get a Few 30-Day Business Credit Accounts
The easiest way to start building your business credit is with 30-day accounts. Places like FedEx, Office Depot, Home Depot and Kinko’s will give you a business credit account. It’s a like a charge account. Charge something each month and pay it off each month.
Get a Business Credit Card
Once you have a few months of this under your belt, apply for a business credit card such as Discover or American Express.
Get a Small Line of Credit
Then after a year or so when your Paydex is close to 80, and your business has some positive, cash-flowing financials that you can show the banker, you have a good shot at an unsecured line of credit of $25,000 – $50,000.
Get a Big Line of Credit
Behave responsibly with that and the bank will continue to increase your line.
And there you have it – my 6 easy steps to a million dollar business line of credit. Is this as easy as it sounds? Kinda. Is it guaranteed? No. Nothing in life really is. But if you show that you have cash flow in your corporation, you’re head and shoulders above the rest. Cash flow is key.
The next questions is always “is there a course that will walk me through all this?” The answer is yes. Try Gboggie.com I like this one because they break it down into really, simple actionable steps and they don’t blow smoke up your… well, let’s just say they don’t make any false promises. And they have an online component with videos that walk you through each step and a database of business line of credit providers that’s updated regularly.
So, get out there and start building your business credit.
I have a Corporation some guys favor C corps and still others like S corps. Check with your accountant to see which is best for you. There are some companies out there that will sell you seasoned “shelf-corporations” for several thousand dollars. That’s fine if you want to go that way but it won’t get you big lines off the bat because they aren’t cash-flowing corporations. I personally think they’re a rip.
Get a Tax ID
Also known as an Employer Identification Number of EIN you can get this online for free from the IRS website.
Get a DUNS number from this site http://www.dnb.com for free
D&B is to business credit like FICO is to personal credit. They rate your company and your vendors report to them. Get signed up at http://www.dnb.com
Your goal is to build your “Paydex” number. Your goal should be a Paydex of 80.
It will take 3-6 months to build up your paydex. Be patient.
Get a Few 30-Day Business Credit Accounts
The easiest way to start building your business credit is with 30-day accounts. Places like FedEx, Office Depot, Home Depot and Kinko’s will give you a business credit account. It’s a like a charge account. Charge something each month and pay it off each month.
Get a Business Credit Card
Once you have a few months of this under your belt, apply for a business credit card such as Discover or American Express.
Get a Small Line of Credit
Then after a year or so when your Paydex is close to 80, and your business has some positive, cash-flowing financials that you can show the banker, you have a good shot at an unsecured line of credit of $25,000 – $50,000.
Get a Big Line of Credit
Behave responsibly with that and the bank will continue to increase your line.
And there you have it – my 6 easy steps to a million dollar business line of credit. Is this as easy as it sounds? Kinda. Is it guaranteed? No. Nothing in life really is. But if you show that you have cash flow in your corporation, you’re head and shoulders above the rest. Cash flow is key.
The next questions is always “is there a course that will walk me through all this?” The answer is yes. Try Gboggie.com I like this one because they break it down into really, simple actionable steps and they don’t blow smoke up your… well, let’s just say they don’t make any false promises. And they have an online component with videos that walk you through each step and a database of business line of credit providers that’s updated regularly.
So, get out there and start building your business credit.
Sunday, October 24, 2010
How did you Create Your Online Business
QUALIFICATIONS:
This is a business site, not a parenting site, so the contributing writer must be able to cover the topic from the perspective of a businesswoman or businessman trying to juggle work and personal life/personal issues. (This might include parenting, but that is one aspect of personal life.) This means there is as much focus on work – time management, professional organization, emotional quotient, expectation management – as there is on life. The contributing writer will need to be capable of explaining organizational concepts, and offering tips and advice in the simplest possible terms, translating even complex topics into basic content that is easily understood by every reader. The ability to think creatively and come up with interesting, search-friendly takes on the topic over the long term. He or she should have previous writing experience – either in print or online – and should be a proven business expert. He or she will have a command of grammar and a familiarity with HTML and writing for the Web. The successful candidate should be willing and able to work in a collaborative environment with an editor and the current Women in Business Guide.
PRIMARY AUDIENCE:
The audience for the Women in Business site is generally made up of female business owners, aspiring business owners, or professional businesswomen. They are coming to the site looking for answers to questions about starting a business, and succeeding in business, as well as advice and inspiration.
TOPICS TO COVER:
The Work-Life Balance writer will offer answers and advice for professional women about how to have an effective work life while maintaining physical, mental and emotional health in your personal life.
We will rely on the writer’s expertise to help come up with ideas for topics to cover, but here is a general overview of topics to begin covering:
+ Introduction to work-life balance
- What is work life balance?
- Understanding your work life
- Work-life balance for singles
- Work-life balance for newlyweds
- Work-life balance for couples
- Work-life balance for families
+ Work Issues
- Is your work becoming your life?
- Learning how to say no at work
- Time management and time organization
- How to keep a healthy attitude at work
- Dealing with emotional quotient
- How to present yourself at a meeting
- How to talk to a superior
- How much personal information should you share with coworkers?
- How to talk to a loved one or spouse who is overworked
- How to explain your intense work schedule to a spouse
+ Life Issues
- How to manage your free time more effectively
- When to say no to family and friends
- How to delegate at home
This is a business site, not a parenting site, so the contributing writer must be able to cover the topic from the perspective of a businesswoman or businessman trying to juggle work and personal life/personal issues. (This might include parenting, but that is one aspect of personal life.) This means there is as much focus on work – time management, professional organization, emotional quotient, expectation management – as there is on life. The contributing writer will need to be capable of explaining organizational concepts, and offering tips and advice in the simplest possible terms, translating even complex topics into basic content that is easily understood by every reader. The ability to think creatively and come up with interesting, search-friendly takes on the topic over the long term. He or she should have previous writing experience – either in print or online – and should be a proven business expert. He or she will have a command of grammar and a familiarity with HTML and writing for the Web. The successful candidate should be willing and able to work in a collaborative environment with an editor and the current Women in Business Guide.
PRIMARY AUDIENCE:
The audience for the Women in Business site is generally made up of female business owners, aspiring business owners, or professional businesswomen. They are coming to the site looking for answers to questions about starting a business, and succeeding in business, as well as advice and inspiration.
TOPICS TO COVER:
The Work-Life Balance writer will offer answers and advice for professional women about how to have an effective work life while maintaining physical, mental and emotional health in your personal life.
We will rely on the writer’s expertise to help come up with ideas for topics to cover, but here is a general overview of topics to begin covering:
+ Introduction to work-life balance
- What is work life balance?
- Understanding your work life
- Work-life balance for singles
- Work-life balance for newlyweds
- Work-life balance for couples
- Work-life balance for families
+ Work Issues
- Is your work becoming your life?
- Learning how to say no at work
- Time management and time organization
- How to keep a healthy attitude at work
- Dealing with emotional quotient
- How to present yourself at a meeting
- How to talk to a superior
- How much personal information should you share with coworkers?
- How to talk to a loved one or spouse who is overworked
- How to explain your intense work schedule to a spouse
+ Life Issues
- How to manage your free time more effectively
- When to say no to family and friends
- How to delegate at home
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