Start you own business in a easier way

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Jan 312021
 

More people are going into business. However, many are not mentally prepared. Many are lacking the business knowledge when they first start their business. You can get some key points here in starting your own business.

1. Watch your cashflow

Cashflow is the bloodline of your business. Most business fail because they ran into cashflow problem. Most new business owners start to spend lots of money before the businesses start making money.

Spending money on renovating luxury offices, buying unnecessary things or renting too big an office space. Even buying small items can bring huge burden to your to your cashflow.

If you are not someone who is good at managing cashflow, get someone who is good to do it for you. My business partner is good at that, she is the one who manages all the money in the company.

In the first year of our business, she had stopped me numerous times in buying unnecessary things.

Learn to watch your cashflow. Your business depends on it.

2. Marketing business

When I was young, someone told me this, “as long as you start a business, they will come and you wil be rich.” That may be true many years ago. But it’s no longer true now.

When you start your business, you must make known to the world. Tell everyone about your business. Learn to do effective marketing not just marketing that everyone else does.

All businesses are in the business of marketing. If you sell pens, you are also in the business of marketing. Just that you are marketing pens.

Marketing is a huge subject. Many business owners start business without knowing even the basic of marketing. I done lots of test about marketing. I started to learn about marketing five years ago. Only in the last years, I discover I had moved to a deeper level in understanding marketing.

3. Negotiate, Negotiate, Negotiate

Learn this skill and you can get many good deals. You may even get people who’s willing to work for you free. A tip for you before going into a negotiation is to understand what the other party wants. Know that and you’ll find your negotiation goes much smoother.

Understand this point, negotiation is about win-win. Creating a win-win deal in a negotiation. If a negotiation turns to win-lose, one party will definitely walk away from the deal.

4. Taking care of your customers

You have to think your customers as long term friends. If you take care of your customers, they will take care of you. Build trust and rapport with your customers, they will buy from you for a life time.

Build a system so that you can always keep in touch with your customers. When your business grows, you do nt have the time to keep in touch with all of your customers. That’s when this system will come in handy. Build it early, so you will not lose any customers.

Get yourself prepared for a new business. Be mentally prepared, physically prepared too. You will find great success in your business if you are prepared.

Cell Phone Family Plans Reviewed

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Jan 302021
 

It’s another season for shopping and buying and wouldn’t you know, cell phone companies from both the US and Canada are starting to roll out some new deals. This article will look at the pros and things to watch out for when it comes to signing up for family plans. It would take into consideration things like network coverage or cell phone selection between carriers, but it will give you an idea of the money you will or won’t save.

You have the special someone, the kids, your significant other? Without a family plan all calls between each other usually count against your total minutes use. That means no free calling between the most popular numbers in your phone. This can change, however, with new family plans. What we see clear across the board (especially in Canada) are the carriers willingness to offer cell phone plans to families. You’ll get unlimited calling between people on your plan, sometimes up to 4 different phones. Sounds great doesn’t it? No more phone bills that cost crazy amounts, you can save your money!

Essentially the idea is perfect, one bill, no fees, no more lost minutes. Basically the ads are true, you are getting unlimited phone calls between the family plan members, however, beware of some of the fine print.


For example, remember, you’ll be sharing all additional minutes between all of you. Got a talkative kid? You may wind up with no minutes for yourself since everyone shares the anytime minutes. By the way, all you’re saving really is the minutes you wasted between each other. You don’t save anywhere else on the bill. Each phone is still charged individually: activation fees, system fees, 911 fees, etc etc etc.


You should be aware of the different charges for different services when you’re moving one person from one carrier to another. Some carriers don’t charge for basic voicemail (Telus) but others charge you money (Rogers $5 bucks basic voicemail.) That’s an additional 60 bucks a year. Do you want to pay that money that you would not have before? Basically you have to decide whether $60 is worthy cost for money talk time.

So how should you make a choice? Really, it’s a matter between who will offer the most anytime minutes. Whoever can provide you with the best deal for minutes aside from your family/couple members would be the way to go. Some offer free first incoming minute on all calls. Some exceed others in anytime minutes, some will give you deals on new phones, more minutes, additional features, etc. Be on the prowl and don’t jump at the first opportunity. Compare costs and you’ll save some additional cash.

Mobile Phone For Every Body:

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Jan 292021
 

In the United States the likelihood of someone owning a cell phone seems as high as someone owning shoes. All economic classes, all types of workforces and all ages of people appear to have a cell phone. If you have no cell phone you probably feel like the only one. Rest assured, this is not the case, but also it is likely that you can buy one.

Three things are require for cell phone use: the phone, activation fee and a service plan. Often the phone or activation fee comes free or at a much discounted price with the purchase of a new plan. Thus the first step is to decide what kind of plan you need. What can you afford to pay? What type of payment plan will work best for you? How often will you be using your phone?

The lowest budget option may be a pay as you go plan. This pre paid service is very easy to start and anyone can be successfully accepted as a user. This service is like a phone card service. Phone cards are available and start at $10 and increase by gradual increments. The phone and activation is generally a package purchase of less than $60. The package price will depend on the type of phone you are buying. A phone that does more will of course cost more. Once you have the phone and card you are ready to be a cellular phone user.

The second type of cell phone service is a monthly plan. These plans include a set amount of minutes for use each month and may include features such as caller ID or voice mail. Depending on the phone’s capabilities, other services can be added to the plan for extra monthly costs. For example, text messaging, Internet access, instant messaging or extra minutes can be added. Remember each of these additions add to your basic plan each month. If you stay with the same company, the company may offer these types of upgrades for free or as a deal closer when you first purchase the plan.

Plans with the least minutes and least features will be the least expensive. However, the cost of extra minutes once you are over your monthly limit is often greater than the next service package option.

Realistically assess how often you will use your phone before selecting a plan. Consider where most of your calls will be going. Most plans today include long distance coverage. Some of the lower costing plans may provide local service only. Many cell phone companies have detailed service area maps in their office or online. Try asking around and see what other users have to say about the coverage service.

Before signing a contract, look and ask for any hidden or extra fees. Find out how much minutes are after you’ve passed your monthly limit, or how much text messages are to send and receive. Almost all contracts have an early cancellation charge. Find out how long the contract is for and what the cancellation fee is. This fee is often quite substantial. If you stay simple and understand (and avoid) extra fees a cell phone service can be affordable for most everyone.

The Hidden Hand of Your Personality

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Jan 282021
 

My friend John (not his real name) came to me with a work-related problem that could cost him his job. He worked for a multi-national company, and his job was to carry out quantitative analysis of equities.

His problem: He was prone to committing mistakes in his work. So much so that his boss had already given him an ultimatum to either improve or leave the job in next few months.

As we discussed about his background, he casually mentioned that he had once taken a personality test and he remembered he was INTJ. The moment he uttered those four letters, I realized how the hidden hand of his personality was causing John all the trouble at the work.

Personality is one of those vague things that we all realize we have but find it difficult to understand, especially its implications on our career.

Let’s look at what personality means, how you can find yours, what is the relationship between personality and occupation, and finally, what can you do once you know your own personality.

Four Dimensions of Personality
——————————-
Carl Jung, a Swiss psychologist, originally came up with a theory to describe personality. He called it Personality Type. Later, Personality Type was adopted, modified and applied in the real world by an American woman Katharine Briggs and her daughter Isabel Briggs Myers.

According to the Personality Type, there are four dimensions of a person’s personality:

1. Extraversion-Introversion (E-I): This dimension determines where you like to focus your attention. From where do you get energy?

Some people have an outward orientation (E type). They show a spark or higher energy level when they meet others. They are good at connecting with people. Others, however, are inward looking (I type). These guys are happy to be left alone and often find it awkward to deal with strangers. They like to reflect and think deeply before taking action.

2. Sensing-Intuition (S-N): How do you prefer to get information?

There are people who are good at using their five senses to gather information (S type). They find it easy to handle facts and figures, and are generally practical. They show patience with routine details and are good at precise work.

Some people, however, get information through intuition or what we call sixth sense (N type). They can see interconnections in seemingly unrelated situations. They dislike routine details and are prone to making errors of fact. They like to imagine.

3. Thinking-Feeling (T-F): This dimension reveals how a person prefers to make decisions.

Some people like to think and logically arrive at decisions (T type). For them, reasoning is more important than feelings. They are generally seen as cold and calculative. These people may often hurt others’ feelings. They don’t mind firing and reprimanding people.

Some people, however, base decisions on their feelings (F type). They are perceived to be warm and friendly. They like to please others. They are perceived to be sympathetic.

4. Judging-Perceiving (J-P): This dimension measures how a person prefers to deal with the outer world.

Some people are systematic and like to plan, set goals and work in an organized manner (J type). They don’t like pending work; they like to finish it before going for a breather.
Some people, however, are “messy” (P type). These people are spontaneous, flexible and take the life as it comes. They would often start a new project only to get bored with it after some time.

Each of the four dimensions has two preferences. We have a natural inclination to use one of the two preferences more than the other. Knowing your personality means knowing your preferences on each of the four dimensions.

Combinations of the above preferences result in 16 distinct personality types as below:

ISTJ, ISFJ, INFJ, INTJ

ISTP, ISFP, INFP, INTP

ESTP, ESFP, ENFP, ENTP

ESTJ, ESFJ, ENFJ, ENTJ

Where:
E: Extraversion / I: Introversion
S: Sensing / N: Intuition
T: Thinking / F: Feeling
J: Judging / P: Perceiving

Experts say that everyone conforms to one of the 16 personality types.

What’s Your Personality Type?
—————————–
There are two ways to know your personality type:

a. Take the Myers-Briggs Type Indicator (MBTI®) test, which is one of the most widely used tests for assessing personality type. There are several organizations offering MBTI® test for a fee. You can get more information on this test from CPP, Inc.’s Web site: http://www.cpp.com. This is the most accurate way of knowing your personality type.

b. Assess yourself through online tests (mostly clones of the MBTI®). Some of these tests are free. For example, you can get yourself tested (for free) at: http://www.humanmetrics.com/cgi-win/JTypes2.asp
http://www.ship.edu/%7Ecgboeree/jungiantypestest.html

In addition, there are plenty of commercial Web sites offering online personality tests.

Personality and Occupation
————————–
Studies show a clear correlation between people’s personalities and their occupations. For example, one study showed that people doing well in creative occupations like architects, writers, research scientists, etc. were mostly intuitive (I) type of people.

Findings from another study showed:
– Majority of the accounts were ST (sensing-thinking) type.
– Majority of customer service/relations professionals were SF (sensing-feeling) type.
– Majority of creative writers were NF (intuitive-feeling) type.
– Majority of research scientists were NT (intuitive-thinking).

Studies also show that when people enter into occupations that do not match with their personality, they struggle and eventually leave them.

So, What Should You Do?
———————–
For the sake of your own career, you can do the following:

a. Find out your personality type and study closely the characteristics of your type.
b. Embrace work/situations that match with your personality type.
c. Avoid, if possible, work/situations that do not match with your personality type.

The bottom line: The hidden hand of your personality is playing its game behind the scene. The question is whether you can make it play to your advantage and success.

Copyright © 2006 by Atul Mathur

Another Form Of Quick Money – Cash Advance Loan

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Jan 272021
 

It’s you or me rather everyone, sometimes has to face certain situation in which there is urgent need of cash. And, also we don’t have time to wait for long period which is usually taken in approval of other initial loans in the financial market. But, cash advance loan is one type of loan in which the amount of loan applied get faster approval.

Cash advance loan in the financial market is known by many names such as payday loan, paycheck loan, cash loan etc. These are basically short term cash loans and are repaid within short span of time.




In cash advance loan, there is no need to place collateral that is they are unsecured loan. And, being an unsecured loan they carry bit high interest rate but the borrower will not feel the burden while paying high interest rate as they are repaid within short period of time. The borrower can also extend the repayment period by telling the lender but in return of that he charges additional fees.




For availing cash advance loan the borrower must be fully employed and also must have regular flow of income. The basic reason of asking such details is that the lenders just want to satisfy themselves that there will be no defaults in repayments. Along with this criterion, the borrower is also asked to submit post dated cheques which act as security in the cash advance loan deal. An amount which the borrower can borrow basically depends upon the flow of income and his repaying ability being determined by the lender.




It is true that cash advance loan is easily available in the financial market but getting the best deal is not as simple as that. One is needed to search in the financial market for the best cash advance loan. There is always a need to compare each offer being made with other offers on the basis of the total cost involved in it. And an estimation of total cost involved in the deal is provided by the lender in the loan quotation which is free of cost. Lastly, the borrower must keep his eye open while entering in the agreement with the lender that is each and every aspect must be considered individually.



Cash advance loans have been designed to meet all the day to day expenses such paying off pending bills, hospital bills, education and consolidating debts. So, for which ever purpose the borrower use cash advance loan, he should remember that it should be considered as last alternative of funds as this is expensive means of funds.

The Leo Wanta Saga, Pt. 5: Leo Wanta, Sent To Arrest Rich, Tells What Really ‘Went Down’ In Switzerland

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Jan 262021
 

Mid-April 2006: The Patrick Fitzgerald investigation is spilling over across the pond to Switzerland, trying to trace the bank swindling and dirty dealings of Clinton-Bush bagman and Mossad agent, Marc Rich.


Sources near Fitzgerald claim the crime-busting Chicago special prosecutor is delving into why Rich was tipped off and able to evade a 1993 arrest attempt, ordered by FBI director William Sessions.


Those watching the Plamegate investigation hope Fitzgerald is the ‘real deal’ and not just providing a neo con dog and pony show, but sources claim the investigation is now meticulously looking into bank swindles by the Bush-Clinton mob, amounting to more than a trillion dollars, involving money earmarked for the U.S. Treasury.


And bank account records – tracing more than $750 billion of missing or stolen money – have been already provided as public record by Leo Wanta, the former U.S. Treasury agent assigned by Sessions to put the finger on Rich. (See accounts listed below).


In a telephone conversation Friday, Wanta said he still keeps the official 1993 Rich arrest warrant, as proof-positive the events took place as he reported.


However, in a strange turn of events, Wanta was jailed for his efforts, placed for 134 days in a Swiss dungeon, as Rich was allowed to slip free in a move, according to Wanta, leading to the theft of hundreds of billions- if not trillions – of U.S. Treasury funds by the Bush-Clinton mob.


After Wanta was framed and put in jail, reports linking Hillary Clinton to dipping into the Wanta-controlled accounts were recently verified by overseas investigators.


Investigators claim the First Lady travelled to Grenada, ordering a bank transfer from Bank Crozier Limite, Grand Anse P.O. Box 1005, St George’s Grenada, West Indies.


Although the amount Clinton pilfered is unknown, estimates are she withdrew approximately $250 milliion from a Leo Wanta-controlled account, an account to be transferred to the U.S. Treasury listed under Marvelous Investment Limited, bank account number A/C 374-250.


Wanta, released form a long jail term last October, also said this week in a telephone conversation he has provided new information to overseas investigators in an effort to uncover even more of the stolen money, as he is fast on the trail on the vast sum of money with the help of foreign investigators and sophisticated computer software.


“They are now messing with my computer, but so far we’ve successfully traced well over a trillion dollars and there is more to come, I’m sure,” said Wanta, adding the original source of the money came from a financial scheme he put together on behalf of President Ronald Reagan to destabilize the Soviet currency at the end of the Cold War, subsequently amassing a fortune now amounting to more than 27.5 trillion dollars.


“We did so well with what we did, Bush and Clinton wanted to copy our methods. When I didn’t play all with them, they wanted me out of the way so they could get their hands on the money.”


After the Cold War ended, the money was placed in overseas accounts, Wanta being appointed legal guardian of the fortune by President Reagan with the understanding it be returned to the American people to be used for schools, roads and even infrastructure improvements in Louisiana to bolster the inadequate levee system..


To Wanta’s detractors and skeptics, a 2003 federal court ruling, docket no. 02-1363-A, dated April 15, 2003, by Federal Judge Bruce Lee affirmed Wanta’s position as legal trustor with the obligation to return a major portion of the money after taxes and trustor expenses back to the U.S. Treasury.


But when Bush senior and Clinton took over the reins of the White House, according to Wanta, things changed, as the vast sum of money was treated more like their own personal slush fund instead of property of the American people.


And the story and fight for the money became downright ugly right about the first week in July 2003, a time when Fitzgerald is now supposedly entering the scene, as a part of the original probe into the outing of CIA agent Valerie Plame, leading to the arrest of White House lackey Lewis ‘Scooter’ Libby.


But in Switzerland that first week in July a lot more than the failed arrest of Rich arrest took place, including a visit by the late deputy White House counsel, Vince Foster, killed in a Washington park on his return to Washington D.C. on July 20, 1993.


According to Wanta, who recently appeared on Greg Szymanski’s radio show, The Investigative Journal, he said the events surrounding Rich and Foster went like this:


“I was ordered in my capacity as Treasury agent and appointed Ambassador to arrest Marc Rich and bring him back to the States. However, I found out he was tipped off by Mossad agents not to meet with me. Rich then escaped, fleeing Switzerland.


“At the same time, I was ordered to give Vince Foster $250 million dollars earmarked for the Childrens Fund. It took us a few days to make the proper transactions of roughly $81 million each and then Foster left with the money for Washington.


“Then, for no reason, I was shackled by Swiss authorities and put in a Swiss dungeon, where I ended up spending 134 days. I found out Vince had heard about what happened and made attempts through the State Department to find out what happened and to get me out. But the next thing I heard, a Swiss guard passed on a message that Vince Foster was dead.


“Then later Itzhak Rabin tried to help, sending a letter which I have retained as proof. However, when authorities got word he was traveling to Switzerland on my behalf, I was immediately flown to the States, where I was charged with a trumped up Wisconsin state income tax charge, leading to a 20 year jail term.


“I finally was released last October. I don’t know why, but I am now in the process of trying to account for the 27.5 trillion as well as account for the stolen money. They, being Bush and Clinton, really wanted me out of the way all these years so I couldn’t return the money, but they didn’t expect the federal court ruling in 2003 which I filed and prevailed.


“It’s interesting they haven’t appealed and now time has run out. I know they don’t want anyone to know about this story and that is why the press has stayed silent.”


Although Wanta has no idea what happened to the $250 million Foster had in his possession when he left Switzerland, the Fitzgerald probe needs to connect the dots in order to determine the real purpose of the Childrens Defense Fund, chaired by Hillary Clinton, and said to be used as her own personal slush fund, as well as front for CIA covert domestic and foreign operations.


It’s also interesting to note the FBI and Kenneth Starr investigation into Vince Foster’s death never looked into to his meeting in Switzerland as well as fully investigating the importance and disappearance of the $250 million dollars in Foster’s possession when he left Switzerland.


Further, it should be remembered Rabin also wanted to help Wanta, sending him a letter still in Wanta’s possession. Investigators, who believe Foster was assassinated, also point out Rabin met the same fate, being assassinated as well in 1995.



THE WORLD’S BIGGEST-EVER BANK!NG HEIST

This was nothing less than the biggest bank heist in the history of humanity. No less than $742.5 billion of funds — admittedly raised for what we consider to be thoroughly evil New Underworld Order purposes — was misappropriated. Wanta, a servant of the US Presidency, was engaged in the fund-raising and speaks German when telephoned. This is the language of the high-level Illuminati. However Wanta is a technical operative, working, or so he always assumed, for the President of the United States.


Moreover we know that is loyalty to the presidency was exploited by the Illuminati, probably without (as is often the case with technicians) him understanding the broader picture, because he told Investigators in May 2004 that the funds had been raised to support the ‘Global Security Environment’, which, judging by the tone of his comments, he did net consider to be a worthy project. .As a patriotic American, he was dismayed about the ‘New World Order’ generally.


It should be noted, The United States government is the designated enforcement arm of the Illuminati and their associates (like Germany in WWI), who are engaged in the Judaic Masonic Program to impose the New Underworld Order.


That is why the United States has 700 bases worldwide which require massive continuing injections of liquidity and why Britain is constantly reducing its armed forces. This is part of the meaning of Leo Wanta’s phrase ‘Global Security Environment’. The Germans are surreptitiously doing the opposite to the British with their military as they have a special status in the New Underworld Ordnung. But that takes us into territory beyond the scope of this update in the geo-financial impasse surrounding Leo Wanta, a brave and loyal intelligence officer and servant of successive Presidents of the United States.

Vodafone networks: Enjoy seamless connectivity

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Jan 252021
 

Vodafone network is one of the best mobile networks in the UK. Vodafone mobile phone networks provide a full range of mobile telecommunication services all over the Europe. You can choose a variety of handsets from some of the best mobile manufacturers such as Sony Ericsson, Nokia, LG, Motorola, Samsung, etc.

Vodafone networks offer attractive packages in their contract mobile phones deal and consumers get maximum benefits from their cost effective plans. Vodafone networks also provide good connectivity without any disruption even in remote areas also. If you are looking for a handset and the connectivity, why choose other networks as you have a superior choice with you. Though there are six mobile networks in the UK and all have their own mobile phone plans, Vodafone networks offer one of the best deals to help consumers in getting their handset as well as the connectivity at a reasonable rate. All you need to do is to connect through the network. The price range for the tariff plans set for different handsets vary. You may get free minutes, free text, evening under Anytime plans and Weekend plans include off peak free minutes, free off peak calls to any Vodafone mobile phones, etc.

Apart from the mobile phones, mobile phone network also plays a crucial role. A good connectivity is also very important. Vodafone gives you the best connectivity even in places where other networks may not work properly. Therefore, choose one of the best networks and stay connected with the people anytime-anywhere. Mobile phones have become an essential gadget for everyone. The reason is obvious—no other gadget provides you to communicate with people; keep you updated with the latest information through the Internet and above all entertain you through music players, games, camera features, etc.

What are you waiting for! Get your handset and connect through Vodafone networks for a seamless connectivity all through the year.

Council exchange in the United Kingdom

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Jan 242021
 

There are many housing councils in the UK, There are a lot of times when one citizen wants to move to another province or another state. Whether he has a house or bungalow and is looking to move from council to housing association, council to council, he requires the assistance of a council.

When a person shifts or wants to shift from one province or state to another, he needs to take the help of the local council to have his home swapped and to find a new house or flat or whatever form of shelter he is looking at buying or renting.

There are council exchange associations where a number of people who are interested in a home swap get registered to avail of its benefits. These associations in return help its members by finding them suitable house swaps or exchanges.

A lot of these associations are private run and charge their customers. Most of these private run associations have a small website on which the members’ properties are advertised. Other members who are looking for a house may just find their required home swap on one of these websites.

There are a lot of government run associations which also host a lot of local tenant information. These are normally done for free and are found locally. They sometimes help you find homes in other provinces as they act on behalf of the customer. They fix a meeting ground where a customer can take a look at the various offers he gets for his new home.

There are a lot of people who are homeless in the UK. These local council’s help these citizens by finding them homes and providing them with shelter. All these councils are run by the government and operate mostly for free as community service. This is just a part of the councils as there are many other types of council which deal with various other aspects.

Many of these associations also help in finding jobs, foreign exchange, and in finding educational universities. In foreign countries they act on behalf of their local governments for citizens living in different countries.

Paydex Score – The Secret to Business Financing

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Jan 232021
 

As a business one of the most important things to know is your Paydex score. Your company’s paydex score is the business equivalent to your personal FICO score, or personal credit score. Knowing what this number is and having the secrets to increasing your Paydex score can mean acquiring the financing needed to start or grow your business and make the difference in achieve your business goals. On the flip side, not managing your Paydex score can cost your business.

The exact definition from Dunn & Bradstreet, or D&B is: The D&B PAYDEX® Score is D&B’s unique dollar-weighted numerical indicator of how a firm paid its bills over the past year, based on trade experiences reported to D&B by various vendors. The D&B PAYDEX Score ranges from 1 to 100, with higher scores indicating better payment performance.

The higher the score the better. Now, how do you increase your Paydex score or establish a score if you don’t have one yet. First, know what you are doing.

1 – Know what your payment pattern means

If you are under the impression you should have the highest Paydex score because you pay before the due date, you are wrong.

The highest scores are given to Companies who pay the bill PRIOR to the invoice being sent. This payment pattern is considered an anticipatory payment pattern. The company anticipates the payment is due and pays it ahead of time. This is the highest responsibility a company can display and will earn high points for your company.

2 – Understand what the Paydex score means

So, your business has a paydex score of 75. What does the paydex score mean? Is this good or bad? Well, for this example a 75 Paydex score would be the equivalent of a FICO score of about 700 or above. This is a good Paydex score.

You can use this D&B key to help you interpret the PAYDEX Score.

Key to the D&B PAYDEX® Score


PAYDEX SCOREPAYMENT100Anticipate – Payment detail may state: payments are received prior to date of invoice (Anticipated)90Discount – Payment detail may state: payments are received within trade discount period (Discount) 80Prompt – Payment detail may state: payments are received
within terms granted (Prompt) 7015 Days Beyond Terms6022 Days Beyond Terms5030 Days Beyond Terms4060 Days Beyond Terms3090 Days Beyond Terms20120 Days BeyondUNUnavailable

The payment details section may include the following comments on your payment patterns:

    Antic – payments are received prior to date of invoice (Anticipated).
    Disc – payments are received within trade discount period (Discount).
    Ppt – payments are received within terms granted (Prompt).
    Slow – payments are beyond vendor’s terms. For example, “Slow 30” means payments are 30 days past due.
    Ppt-Slow – some invoices are paid within terms, others are paid beyond terms.
    (#) -indicates that no manner of payment was provided; the number merely reflects the line where it appears in the listing. For example, (004) means it is the fourth experience listed.
    Payment Commentary – such as “Cash in Advance,” “Account in Dispute,” “Credit Refused,” or “Placed for Collection” may also display next to trade details. “Placed for Collection” means the account was forwarded to a third party for collection action during the past year.

It may also indicate comments like, “seasonal purchasing pattern” if many transactions are recorded in a certain period of time, routinely, during a specific time of year.

You can view a sample Paydex report at www.dnb.com

3 – GAIN CREDIT – THERE ARE CREDITORS THAT DO NOT REQUIRE A PERSONAL GUARANTEE or PAYDEX SCORE!

There are creditors that will grant lines of credit to businesses without a personal guarantee or a paydex score. This is a great way to establish credit for your business. Gaining a small line of credit with these types of vendors and making anticipatory payments will increase your Paydex score or establish a strong score for your business.

The website www.extremebusinessmakeover.com provides you with a program to build your Paydex score within 90-120 days and will tell you which creditors will grant you a line of credit with no Paydex score required AND no personal guarantee. This program has assisted many companies in not only increasing their Paydex score but gaining substantial lines of credit.

You should know that less than 3% of businesses that attempt to receive funding on their own ever do! If you apply at multiple places without pre-qualifying, you may damage your credit and will destroy your chances of receiving funding from the sources that would have done your deal. It would be in your best interest to consult a company like extremebusinesscreditmakeover.com prior to attempting to gain credit lines.

4 – Manage Your Business Credit Responsibly

If you own your own business you are probably not 18 years old anymore and should know how important maintaining good credit is. A strong Paydex score can give you the credit lines you need to increase your marketing effort, buy the needed equipment, get the supplies required to land big clients, and could be the difference in your companies success.

With all that at stake it is of the utmost importance to manage your credit with the highest level of responsibility.

If you are not in a place to make the required payment at least by the due date, then DO NOT MAKE THE PURCHASE ON THE CREDIT LINE.

It would be careless to abuse this credit line since can be such a key to your long term success.

Armed with this information you are on your way to increasing your Paydex score and gaining the credit you need to make your business thrive!

Nicole Anderson offers information about corporate and personal unclaimed money at www.cashunclaimed.com . Would you like to receive your lost funds check from money owed to your company, your family or yourself? A simple unclaimed property search could mean a check in your mailbox. Click on www.cashunclaimed.com for a free money search, that includes all state and federal databases, and locate your missing money today!

Own a Brand New Car with the Unsecured Car Loan

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Jan 222021
 

Unsecured car loan is a kind of personal loan that is lent only for the purchase of an automobile, quite evidently a car in this case. Such loan implies that you are applying for a loan without any collateral or security against it. Most loans for buying a car are considered as unsecured.

However you must try and analyse the various pros and cons while a going for an unsecured car loan. For instance, you don’t have to put anything at stake while going for an . unsecured car loan as security. It makes you more comfortable as such a deal is risk free.

It is beneficial for those who don’t have any collateral to put forth against their loan. Also the loan can be obtained faster as compared to the secured loan Secured car Loans because there is no processing or documentation involved Unsecured car loan is of a great help if you really want to arrange your finances early. But wait, unsecured car loan has its own disadvantage as well. They normally command a higher interest rate than the secured car loan.

The borrowed amount is less and it carries certain restrictions on as to how are you going to spend it. Also, the rates that a lender gives you depend entirely on the personal circumstances of the borrower. Owning car is no longer a luxury now but a requirement.

To uphold it, a report from a study by the Sainsbury’s Bank indicates that the increase in the number of people to buy cars through loans may reach up to more than 8 million during the period between September 2006 and February 2007, with an overall increase of 230,000 people since August 2006. Buying your own car is the fashion statement for today.
So go for the unsecured car loan and make your dream of owning a car, a reality

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summary:
Unsecured car loan is a kind of personal loan that is lent only for the purchase of an automobile, quite evidently a car in this case. Such loan implies that you are applying for a loan without any collateral or security against it. Most loans for buying a car are considered as unsecured.

Your various alternatives to debt elimination-learn to fight debt outright!

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Jan 212021
 

Multiple credit cards and store cards accumulates a large amount of debt. With the passage of time, the credit card holder will not be in a position to get out of the debt trap that he’s fallen into. Tackling debts at the right time is the need of the hour.

Some simple self-initiated actions include:

You set a monthly amount
Pay all your minimum amounts and get rid off smaller debts
Get rid of too many credit cards, pay of the smaller balance
Pay extra money toward your debts with the highest interest rate

By setting aside a monthly amount, you will have an idea of how much you need to pay every month towards your debts and be prepared to meet the monthly repayments. Making repayments which are smaller helps you close the account soon and then tackle bigger debts, gives you the emotional succour that you now have lesser number of debts to repay. Making extra payment towards your high interest rate debts will bring down your interest rates considerably. Not to forget, curtail your impulse buying and don’t make bulk purchases on your credit cards, use it only when it’s inevitable. As every purchase you make out of the credit card, you are getting deeper into debt.

Secondly you consider seeking out for debt reduction help:

A free consultation of debt reduction is easily available online. Make the best use of it. Get your debt reduction plan to manage your debts and gradually get out of them. Such a debt reduction plan shows you:

• Which debts you cleverly pay off first
• How much to pay on each debt, every month
• When are you likely to be completely debt free
• How much interest you can avoid

Thirdly, you can either consider the above or go for a credit card debt consolidation. Wisely pool all your debts into one and just make one consolidated payment every month, tackle one debt and deal with one lender instead of multiple debts and relieve yourself from the mental tension of making monthly payments to multiple debts. Easily keep track of your finances, stop all creditors’ harassment calls and monthly bills, reduce your interest rates on the whole and improve your credit rating in the long run. Ensure that you don’t make any more purchases with your credit cards and avoid getting into debts in future. If you religiously follow all the guidelines offered to you, there’s no doubt of living a credit card debt-free life.

To find help on how to carry out debt consolidation, get a debt reduction plan or any such related debt solutions visit: www.credit-card-debt.yourtoys.co.uk