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Add You - Are Your Revolving Accounts Lowering Your Credit Scores?
Networking Versus Netweaving - What Is The Difference?
Most people know about networking. Sometimes it appears that whom you know is more important than what you know! Some people want to know who knows you too! What do you think? Has this been your experience?Networking has been around for a long time. It is a tactic used to go after new business, gain competitive advantage, "close deals" and get the sale! Sometimes, it can be a little superficial. Few people establish meaningful long-term relationships. Few people discover what lies under the business suit and what a person's true passion is. Let's be honest, the focus of networking is about you! It is all about you and not the other person!There is a new concept gaining acceptance. It is called netweaving!Netweaving is a new
iness.)Most people know about networking. Sometimes it appears that whom you know is more important than what you know! Some people want to know who knows you too! What do you think? Has this been your experience?Networking has been around for a long time. It is a tactic used to go after new business, gain competitive advantage, "close deals" and get the sale! Sometimes, it can be a little superficial. Few people establish meaningful long-term relationships. Few people discover what lies under the business suit and what a person's true passion is. Let's be honest, the focus of networking is about you! It is all about you and not the other person!There is a new concept gaining acceptance. It is called netweaving!Netweaving is a new
A few small business leases were also reporting as revolving accounts on my personal credit reports. Those were simple to resolve by just paying the small amounts off.
Then, I did a quick analysis of my credit reports.
The only way to really discover if revolving credit is lowering your s
Free Internet Marketing Tips - 3 Free Internet Marketing Tips
If you put the following free internet marketing tips to use immediately, you will see a noticed improvement with your internet business.These free internet marketing tips are the best you will find and are proven to work.#1 - Build an opt in list of subscribers.Of all the free internet marketing tips to use, this is the biggest.Your job as an internet marketer should be to collect the name and email address of as many people as possible that visit your website.Put a subscribe box on every page of your website and offer some sort of incentive for people to give you their name and email address.This way you will build a opt in list and can keep in contact with them.You can offer them produc
One of the most important ways to achieve and maintain excellent FICO credit scores is to carefully manage your revolving credit.If you put the following free internet marketing tips to use immediately, you will see a noticed improvement with your internet business.These free internet marketing tips are the best you will find and are proven to work.#1 - Build an opt in list of subscribers.Of all the free internet marketing tips to use, this is the biggest.Your job as an internet marketer should be to collect the name and email address of as many people as possible that visit your website.Put a subscribe box on every page of your website and offer some sort of incentive for people to give you their name and email address.This way you will build a opt in list and can keep in contact with them.You can offer them produc
When I say, "revolving credit," I'm referring to any credit account you have where the monthly payment can vary. Credit cards are the most common form of revolving credit.
Of course, "revolving credit" refers to almost everything in your wallet or purse that's plastic that you can use to buy something. This includes American Express, Discover, MasterCard, or Visa credit cards. This also includes retail store cards such as Macy's or Target, and gasoline cards.
The exceptions are check cards and debit cards. These little dudes may be plastic and have a MasterCard or Visa logo, but they aren't really credit cards. They're more like plastic checks than anything else. Debit cards have nothing to do with your credit scores.
Why your credit reports can show that your credit cards are maxed out when they're not
In my case, my credit scores were lower than they should have been because I was using my personal credit cards for my business. An easy fix...I just applied for a corporate card and began using only that card for anything business related. (You should do the same if you have a small business.)
A few small business leases were also reporting as revolving accounts on my personal credit reports. Those were simple to resolve by just paying the small amounts off.
Then, I did a quick analysis of my credit reports.
The only way to really discover if revolving credit is lowering your sc
List Building – How to Use Articles to Send Traffic To Your Squeeze Pages
This is one of the most incredible discoveries I have made in my first few months online. I discovered that article generated traffic is some of the most responsive traffic I receive.Now, I almost exclusively use articles to drive traffic to my web pages, and generally send that traffic to squeeze pages so that I can gain subscribers first, and build a list, then begin to promote my various ebooks which I have written.So how do you use articles to send traffic to your squeeze page?1) You must have a squeeze page on your web site. I prefer to use my index page for my squeeze page, basically guaranteeing that if someone gets to my web site, they have to get on my list before buying anything from me. That way I have repeated
course, "revolving credit" refers to almost everything in your wallet or purse that's plastic that you can use to buy something. This includes American Express, Discover, MasterCard, or Visa credit cards. This also includes retail store cards such as Macy's or Target, and gasoline cards.This is one of the most incredible discoveries I have made in my first few months online. I discovered that article generated traffic is some of the most responsive traffic I receive.Now, I almost exclusively use articles to drive traffic to my web pages, and generally send that traffic to squeeze pages so that I can gain subscribers first, and build a list, then begin to promote my various ebooks which I have written.So how do you use articles to send traffic to your squeeze page?1) You must have a squeeze page on your web site. I prefer to use my index page for my squeeze page, basically guaranteeing that if someone gets to my web site, they have to get on my list before buying anything from me. That way I have repeated
The exceptions are check cards and debit cards. These little dudes may be plastic and have a MasterCard or Visa logo, but they aren't really credit cards. They're more like plastic checks than anything else. Debit cards have nothing to do with your credit scores.
Why your credit reports can show that your credit cards are maxed out when they're not
In my case, my credit scores were lower than they should have been because I was using my personal credit cards for my business. An easy fix...I just applied for a corporate card and began using only that card for anything business related. (You should do the same if you have a small business.)
A few small business leases were also reporting as revolving accounts on my personal credit reports. Those were simple to resolve by just paying the small amounts off.
Then, I did a quick analysis of my credit reports.
The only way to really discover if revolving credit is lowering your s
Run An Employee Background Check on Potential Job Candidates
Honesty is supposed to be the best policy right? Unfortunately, numerous people abuse that adage and lie on many details including those on job applications. That is why companies more and more are resorting to the employee background check. A lot of time and money is spent hiring and training a new employee, so companies want to make sure that investment in a new hire will pay off for them. An employee background check would set the company’s mind at ease.There are many opportunities for a job applicant to lie, whether it is on their resume or making up job references. With an employee background check, a company can verify whether or not the information on the job applicant’s resume is accurate. What the employee background check w
ck cards and debit cards. These little dudes may be plastic and have a MasterCard or Visa logo, but they aren't really credit cards. They're more like plastic checks than anything else. Debit cards have nothing to do with your credit scores.Honesty is supposed to be the best policy right? Unfortunately, numerous people abuse that adage and lie on many details including those on job applications. That is why companies more and more are resorting to the employee background check. A lot of time and money is spent hiring and training a new employee, so companies want to make sure that investment in a new hire will pay off for them. An employee background check would set the company’s mind at ease.There are many opportunities for a job applicant to lie, whether it is on their resume or making up job references. With an employee background check, a company can verify whether or not the information on the job applicant’s resume is accurate. What the employee background check w
Why your credit reports can show that your credit cards are maxed out when they're not
In my case, my credit scores were lower than they should have been because I was using my personal credit cards for my business. An easy fix...I just applied for a corporate card and began using only that card for anything business related. (You should do the same if you have a small business.)
A few small business leases were also reporting as revolving accounts on my personal credit reports. Those were simple to resolve by just paying the small amounts off.
Then, I did a quick analysis of my credit reports.
The only way to really discover if revolving credit is lowering your s
Developing a Marketing Funnel that Increases Sales and Works With You
Every business owner to sales executive receives numerous sales leads each and every day from networking events to Internet opt-in lists. Tracking all these business sales leads becomes a burden and may result in duplicate efforts. However, no matter the challenge, the end result is that some sales leads tracking system must be developed or numerous opportunities may be lost forever.During the last 10 years, I have tried a variety of marketing and sales leads tracking systems. I first began with index cards as this was what I was using to before computers. (Yes, I am that old.) Then I began to use on-line services as well as programs within my own computer such as Outlook. Colleagues shared with me their various systems using electronic
ut when they're notEvery business owner to sales executive receives numerous sales leads each and every day from networking events to Internet opt-in lists. Tracking all these business sales leads becomes a burden and may result in duplicate efforts. However, no matter the challenge, the end result is that some sales leads tracking system must be developed or numerous opportunities may be lost forever.During the last 10 years, I have tried a variety of marketing and sales leads tracking systems. I first began with index cards as this was what I was using to before computers. (Yes, I am that old.) Then I began to use on-line services as well as programs within my own computer such as Outlook. Colleagues shared with me their various systems using electronic
In my case, my credit scores were lower than they should have been because I was using my personal credit cards for my business. An easy fix...I just applied for a corporate card and began using only that card for anything business related. (You should do the same if you have a small business.)
A few small business leases were also reporting as revolving accounts on my personal credit reports. Those were simple to resolve by just paying the small amounts off.
Then, I did a quick analysis of my credit reports.
The only way to really discover if revolving credit is lowering your s
Working with Hearing Impaired Employees - Giving Them a Fair Go
Hearing impaired people often encounter difficulty at work because their disability isn’t visible. I’d like to relate to you, briefly, the sorry saga of a young man who has recently been dragged through a performance management process, essentially brought about by misunderstanding, frustration on his behalf, and failure by an employer to make a ‘reasonable adjustment’ [Australian law includes the concept of reasonable adjustment which in effect means that employers are required to make reasonable adjustments necessary to enable employment opportunities for disabled people]in relation to this person’s employment.The man involved has been hearing impaired from birth having a severe/profound loss of a bilateral nature caused by rubel
iness.)Hearing impaired people often encounter difficulty at work because their disability isn’t visible. I’d like to relate to you, briefly, the sorry saga of a young man who has recently been dragged through a performance management process, essentially brought about by misunderstanding, frustration on his behalf, and failure by an employer to make a ‘reasonable adjustment’ [Australian law includes the concept of reasonable adjustment which in effect means that employers are required to make reasonable adjustments necessary to enable employment opportunities for disabled people]in relation to this person’s employment.The man involved has been hearing impaired from birth having a severe/profound loss of a bilateral nature caused by rubel
A few small business leases were also reporting as revolving accounts on my personal credit reports. Those were simple to resolve by just paying the small amounts off.
Then, I did a quick analysis of my credit reports.
The only way to really discover if revolving credit is lowering your scores is to do a quick analysis of your revolving credit accounts. (I'll show you how at the end of this newsletter.) That's how I found the big culprit that was destroying my credit scores...
Beware of home equity lines of credit
When I analyzed my credit reports I got a big surprise...I discovered several of my home equity lines of credit (HELOCs) were being misinterpreted as credit card accounts.
This was fooling the FICO scoring model into thinking that I had an enormous amount of credit card debt. But of course, I didn't.
What I learned was that HELOC accounts can look exactly like a credit card account on your credit reports.
When I was trained by Fair Isaac Corporation, I got a different story. I was told there are two situations when a HELOC won't be mistaken as a revolving credit card:
1. When the original amount of the line of credit is more than $50,000
2. If the account has a narrative attached to it (e.g., equity line of credit or real estate)
Even though Fair Isaac claims the above is true, I didn't find that to be the case with my HELOCs.
It's bad enough that my HELOCs were being mistaken as credit cards...but to make matters worse...all of my HELOCs were maxed out!When a HEL
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