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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Why Has Online Dating Become So Popular?

The increasing number of dating sites goes to prove that this form of dating has become very popular. The fact is that these sites all have members meaning that large numbers of singles are trusting in them to find them the kind of relationships they could be looking for. But what exactly has seen to the increased popularity of the sites?

Exposure - If there is one major setback that comes with traditional dating is limited exposure to potential dates depending on where you stay and work. But with online dating, the boundaries are broken and you get exposure beyond your neighborhood and country. It is possible to meet singles across the globe and this comes is a good thing because the probability of you finding a compatible partner is quite high.

Convenience - Life can be hectic, especially when you have too many responsibilities because then it means you have less time to attend to other areas of life such as dating. The good thing about online dating is that you can maintain a relationship without having to interfere with your working schedule as it is the case with traditional dating. Considering that chats and emails are commonly used in online dating, you can handle them as you go about your usual duties and tasks. You also enjoy the flexibility of dating at any convenient time, even before retiring to bed something that would be impossible to do when you choose offline dating.

Flexibility - Online dating does not only make you flexible in time, but also in the number of dates you can have at a time. You can contact as many singles as you like and have the freedom to evaluate and drop them one at a time depending on your preferences. You can easily refuse approaches and end contact without worrying about hurting the feelings of other singles. You can also have more than one relationship going before making your choice without any awkward moments as it happens with traditional dating.

Variety – People have varying dating preferences. For instance, whereas some might be interested to date a different race, some would rather stick to their races and locations. Some might be interested in finding love and getting into serious relationships while others would rather do casual encounters with no strings attached. Online dating sites cater so such needs, offering a variety of all singles. Some sites actually accommodate singles from specific age groups and this is a feature that makes it easy for the singles to join the most relevant sites depending on what they are looking for. It is something that would be hard to do when dating offline.

Discretion – It is another thing that has made online dating popular today. When you join a dating site, you can keep it a secret for as long as you want or until a time when you are sure about the relationship and then you can let everyone who matters now about it. The privacy you enjoy can save you from ridicule that can arise from recurring relationship failures and it also gives you the freedom of enjoying relationships that would otherwise not be approved by people around you.

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Why Electronics and Technology Are Important

People today live in a world that relies greatly on electronics and gadgets to make our everyday activities easier and faster. Most of us could not fathom what life we be like without computers, cell phones, iPods, televisions, or electronic toys. Over the years, technology has continued to advance, improving the quality of life for people who use electronics and gadgets to make their lives more convenient.

When we wake up in the morning, we are often greeted by our alarm clocks. How many people would be late for work if they had to rely on their internal body clocks to wake them up at the same exact time every weekday morning? Once up and out of our bed some people may enjoy a cup of coffee or espresso from the convenience of their own kitchen coffee making appliance. Others may head to the bathroom to start getting ready for the day. This may include using a hair dryer or curlers to style their hair, or maybe an iron to de-wrinkle their clothes. All the while, people may be catching up on the day’s news by watching their local news station on television. All this use of technology and electronics and they haven’t even left for work yet!

The list goes on and on. The advancement of technology has allowed us to enjoy our favorite music while we exercise via the use of an MP3 player, warm our food in seconds with the convenience of microwaves, and even read our emails from anywhere in the world with the use of smart phones and laptops. This is just the tip of the iceberg. While most people understand that electronics and gadgets are important, they don’t take the time to really comprehend just how much we use this type of technology in all aspects of life. Certain electronics and equipment have made medical procedures easier, not to mention just plain possible. Life expectancies have increased with the advancement in technology and suffering has lessened due to the invention of medical equipment and technologies.

Whether it’s the coolest new GPS gadget to help you located and get to your favorite vacation destination along with every restaurant, store, and gas station in the area, or the newest sonar machine that can allow a doctor to see any possible development issues with a mother’s unborn baby, technology and electronics means more to us than we can realize. New products are developed every single day and the more people shop for fun gadgets and electronics, the easier and more fun life will become!

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Let Your Car Breathe Freely With Routine Air Filter Replacement

In a similar way to living creatures, vehicles also need to be able to freely “breathe” clean air. Of course cars do not have lungs, so when we say “breathe”, what we really mean is “filter air.” Your vehicle’s cabin air filters should be inspected and serviced on a routine basis to ensure perfectly clean and unobstructed “breathing.” For permanent filters, a professional car mechanic will clean them, dry them, and replace them as needed. For disposable ones. A simple inspection and replacement is all it takes! Continue reading to learn more about the importance of clean automotive air filters.

Defense Against Airborne Contaminants

Your vehicle’s air filters play an important role in terms of interior cabin air quality and comfort. But it also plays a significant role in how your vehicle operates. Clogged or defective filters can cause a decrease in engine performance and capacity, as well as, lose their ability to protect you against harmful airborne contaminants. You see, dirt, oil, and other harmful contaminants are trapped in air filters, and after sometime, they accumulate to mass amounts, causing the filters to lose their value. And when the filters become too saturated, they cannot trap anymore contaminants. As a result, these contaminants enter the engine and damage pistons, piston rings and bearings, cylinders, cylinder walls, and more. This causes the engine to then lose power. For fuel injected cars, air filters protect the air flow sensor from contamination.

As for interior air quality and comfort, dirty filterings can jeopardize the cabin environment. Without anything between you and airborne contaminants, you are left to suffer from dirty indoor air. This results in musty odors, stuffiness, allergy-agitation, and more. When it comes to cabin air filters, try to have them inspected and replaced every 12,000 to 15,000 miles. If you are a frequent driver or frequently drive long distances, decrease this rule to every 10,000 to 12,000 miles.

Although such an important part of car safety and maintenance, air filter replacement is often overlooked. Be sure to talk to your trusted car mechanic about recommended factory scheduled maintenance for your vehicle. They have the knowledge and advanced diagnostic systems to provide accurate and effective service for your exact make and model car or truck. They can then provide you with a trusted schedule that you can continue to use and refer to for years to come!

Call Main Street Auto Tech at 317-881-7220 for car filter replacement in Greenwood, Indiana. They are ASE certified car mechanics that offer a wide range of automotive services for all make and model vehicles, domestic or foreign. Ask them about their auto repair coupons and discounts too! Call 317-881-7220 to request a free estimate for Greenwood car maintenance, today.

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The Difference Between Digital Books and Ebooks

Most people today, don’t know the difference between a digital book and an ebook. In fact, many people think they are one and the same. They couldn’t be farther from the truth. They are entirely different species of the same animal.

Digital books

Digital books, sometimes also called electronic books or PDF books, are scanned, digital facsimiles of standard printed, published books. You can think of them as enhanced copies of the actual hard or paperback books we have come to know and love.

When we are talking about the digital version of newer publications, they are pretty much identical to the original. When talking about old or even ancient publication, they are much better than any original you would find on the shelf of your local library. Since they are facsimiles of the original printing, this really increases quality and helps overcome the problems of many older books, such as yellowed pages, stains, see-through or onion skin type paper, colored paper, brown inks, etc. These are scanned pages, not ‘copied’ pages, and the quality of print truly represents a better quality than the print of the original book.

The great majority of digital books come in PDF format, though Amazon offers a Kindle edition, Mobipocket offers the MOBI version, then there is the plain TEXT format, as well as many others.

Digital books are usually far less expensive than their hard or paperback counterparts, and there are hardly ever shipping costs, unless they are delivered on a CD (Compact Disk).

Ebooks

Ebooks are digital books too, but they were designed and written for the internet. Many, if not most ebooks were never officially “published” at all, unless you count posting something on the internet as publishing.

Most ebooks were meant to be written quickly, with little or no expenses except for possibly distribution. The majority are short, almost always less than 100 pages, usually under 50 pages. Some ebooks are literally slapped together in a matter of hours. Often they are little more than several short reports combined together.

Many ebooks are self-help books, or manuals of some kind, though there are some eBook works of history and fiction to be found if you look for them. More often than not, they have little or no literary value, their intentions being the distribution of facts, instructions and/or ideas.

Sometimes you may come across the eBook version of a hard or soft cover book. It will even be called the “ebook version” of whatever book. But if you look closer, you will find that this eBook version is almost always far fewer pages than the original. You may as well call the “ebook version” the “condensed version” of the book.

Though you will find many ebooks in PDF format, much like digital books, but many come as various generic interactive applications. But don’t let the initial attraction of interaction fool you. Even if this sounds like high tech education at first, you will find that there is not much to the promise of interaction. It just disguises the fact that these books are short, technically no more than a few pages, with little to no real practical, and even less academic value.

Last but not least, ebooks are often free or cheap, though you will occasionally find some specialty instruction “programs” costing hundred of dollars.

Conclusion

Technically, ebooks are digital books, though practically there is a big difference. Personally, I usually prefer a digital book to its eBook cousin.

By Thomas A. Retterbush

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How to Make Social Media an Asset for Your Network Marketing Business

With many different social media platforms to choose from, your head may be spinning and you could be confused about which ones to use and why you would use them. In this article, we are going to talk about how to make social media an asset for your network marketing business.

Network marketing is very much a business of influence and emotion. If people don’t feel like working with you or they don’t feel like buying from you then they won’t. There are plenty of other people they can find your product and service through and that is why you want to use social as an asset to get in front of more people and help them choose you.

Building Know, Like & Trust

If people feel like they know, like and trust you because they have been following you on social, they are much more likely to buy from you than someone they just met. Social media can be used to share inspiring messages, family photos, dreams, and goals. Share these things with people and you they will be more likely to do business with you. This is one of the ways to make social an asset for your business.

Getting In Front of More Eyeballs

Social media helps you get in front of more people. Having a consistent social presence will help you leverage this virtual real estate to share your message with people. Instead of having to run around all over the place in your car, you can find people through social media and generate sales and new team members online.

It is very simple to be able to build social media into an asset but you have to be consistent. You at least want to post once a day so that you can stay top of mind with your audience.

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How to Take a Vacation And Make More Money In Your MLM Business

Being able to make more money in your business when you are taking a vacation sounds amazing and it is possible. In this article, you will learn how to take a vacation and make more money in your MLM business.

There are 3 reasons that you will be able to make more money in your MLM business because of your vacation so get ready to pack your bags.

Shows the Lifestyle

The last thing people want to “sign up” for is another job but when you can show how network marketing allows you to travel and enjoy life, more people will be interested in joining your team and coming on board with your business. Show people the lifestyle by going out there and living life. Not everyone is impressed by your ability to be a shut in.

Sense of Urgency to Get Things Done

When we are getting ready for vacation we understand that we need to get things done. We often get more done in the last few days before a vacation than we have gotten done all month. This is because our brains are helping us work toward the reward instead of just trying to keep busy with mundane tasks.

Clears Your Mind

After you get back from your vacation, you are going to have a new drive and desire to get things done. You will be operating with a clear mind. It is kind of life rebooting your brain so that you can think clearly and be able to get things done in a much more efficient manner.

So, now that you know, get ready to take your vacation and reap the benefits. Grow your network marketing business and enjoy your life at the same time.

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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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Why Should I Engage in Outdoor Recreation Activities?

More and more people engage in outdoor activities these days, as outdoor sports are becoming very popular. The top recreational activities include kayaking, jogging, walking, hiking, and camping.

This article is for the people who love to spend their time outdoors, enjoying new adventures in fresh air.

How can outdoor recreational activities be beneficial to you?

The foremost advantage of spending time outdoors is gaining a good mental spirit and healthy balance of your body. Not only will it help in giving you the liveliness that everyone should have, but it will also pump your life force and the love of living.

Activities such as walking, bird watching, kayaking and camping all make you feel happier while appreciating the beauty that we often forget during our busy hours at the office. Nowadays the stress level has increased so much in everyone's life that everyone, without exception, describes a small break to get rid of this stress. Sometimes a small walk in the park will do the trick and can lighten up your tensions and make you feel happy.

In today's hectic life styles, we hardly find time to spend with our families and friends. Engaging regularly in various outdoor activities can help you create much stronger bonds with your family and friends. You can interact and talk more with your friends and family while sharing the astonishing experiences of a different outdoor activity each time you go out.

How can outdoor recreation help you in saving money?

Our lives are never smooth and secured; Everyone comes across various difficult times in their lifetime. Taking the time to engage in simple outdoor recreations will not only help you mentally, but you will also find that it costs close to nothing. For example hiking does not cost anything when compared with cycling. All you need is a pair of good shoes and a mountaintop to hike to. Another example is simply playing outdoors with your kids. Nothing will beat playing soccer or tags with your kids, especially when you take time off from a stressful job.

While there is other activities like hunting that are somewhat costlier however they will provide you with a lot of thrills and great sense of accomplishment. If you can not afford spending money on such activities then you still have many options that will definitely suit your pocket.

You should try to spend as much time as possible in these types of activities. You should also encourage your friends, family and kids to spend such a wonderful time together building good memories. Nothing can be more enjoyable and beneficial than gaining a good and healthy lifestyle by being in the outdoors.

Take full advantage of the beautiful world we live in and its alluring nature that surrounds us that we inheriting for centuries from our ancestors.

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What Car Battery Should You Choose? Absorbed Glass Mat (AGM), Gel Or Wet Cell

An electrical problem that doesn’t let your car start and leaves you stuck in a parking lot or some place away from the fix that’s needed is an unwanted problem we all do our best to avoid. So what can you do to lessen the possibility of a possible unwanted situation that involves an electrical system crash in your vehicle?

First of all make sure you spend double the money on a good car battery. A lead acid battery can cost between $75 to $125 dollars. The only reason liquid lead acid batteries are the most commonplace is liquid lead acid batteries were first developed in 1859 and they are the least expensive in today’s world of automotive engine starting sources. In 1971 the sealed liquid lead acid battery was created that made it maintenance friendly.

VRLA (valve regulated lead acid) batteries include gel and absorbed glass mate which are not liquid. Gel batteries are as the name applies which is a “Gel”. AGM batteries are silicate glass fibers mixed with boron and formed into a mat that holds the electrolyte. Non liquid gel batteries were created in the late 1920′s and lead to the creation of the “Absorbed Glass Mat” batteries in 1957. The AGM (absorbed glass mat) battery was put into production in 1972 but mostly used for military applications and non vehicle applications like boats, motor homes, motorcycles and electronics. Nowadays you see more AGM batteries becoming available for use in production cars. AGM (absorbed glass mat) batteries can cost from $160 to $250 but have more advantages over liquid lead acid batteries.

AGM batteries are basically used in applications where the use of the vehicle is only used now and again as in boats and recreational vehicles. The non use discharge rate is much lower in non use applications than liquid lead acid batteries. The charge rate is much faster also. Some automotive manufacturers are installing AGM batteries as their standard new car power source because of today’s higher vehicle power consumption. BMW right now is known to be the first to install AGM batteries in their 2007 models because of computer functions and braking.

AGM batteries are much better than liquid lead acid batteries but the downside of AGM batteries is you don’t overcharge them. They will charge faster with a normal output alternator up to 14.5 volts and a high output alternator is not needed. When an AGM battery is used in a non use vehicle a solar panel is recommended with a trickle charge. AGM batteries will go bad if charged over 14.5 volts. Most problems with charging AGM’s are in sports vehicles due to the rough environment they are used in. Toss away your old plug in garage battery charger and get a new one that maintains “Voltage” instead of amps. An AGM battery charger will sense a very low voltage in the battery and will start the recharge whereas an old charger does not sense low voltage and will not charge the battery.

These batteries are used in military vehicles that sit in storage for many years and start up after years in storage with no problem. I’ve read stories online where people have left their AGM batteries sitting in their garage for many years and they have retained their full charge. I use AGM batteries in my vehicles and disconnect the negative cable in the one that I don’t use that often anymore and it starts right up when I run the engine occasionally. I’ve read complaints about the AGM failing often but that’s only because of bad practices with them or using them in systems where the charging exceeds the recommended level. You can leave these batteries sitting for long periods of time without charging them but it’s recommended that a solar panel with an extremely low trickle charge be used when not in use. Again I will say from my own experiences is to disconnect the negative cable to the battery when not in use.

The AGM vs Gel and the wet cell? The AGM has thicker plates that tend to not warp that easily during deep discharges and resist sulfur buildup’s that destroy a wet cell battery. Wet cell batteries usually go bad after 4 years if they make it that length of time. The life expectancy of the AGM battery can be up to 10 years if not overcharged. Gel cell batteries are great for sports vehicles but tend to charge slower.

The Winner Is, “Absorbed Glass Mat” if you learn how to take care of them properly.

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