Ashley Tutors’ Helps Students Avoid Summer “Brain Drain”

Innovative tutors use physical activity to make education part of summer fun

MONTGOMERY COUNTY, Md. – Ashley Tutors (http://www.ashleytutors.com) has hired an energetic and diverse team of tutors to put into practice the Ashley Tutors’ motto: LIVE! Learning Is Very Entertaining. The experienced tutors were assembled to make learning entertaining through the use of kinesthetic learning, a teaching style that engages a student using physical activity. Focused on keeping students sharp over the summer through the kinesthetic teaching methods of Ashley Fagel, a Maryland certified teacher working in Montgomery County, Md., Ashley Tutors offers in-home, one-on-one academic help in any subject to Washington, D.C. area students in kindergarten through 12th grade.

Research shows children often forget some of what they’ve learned over the summer, according to Duke University education expert, Harris Cooper. Cooper and his colleagues found that achievement test scores declined, on average, between the spring and the fall. “Typically, the first quarter of the new school year is based on students catching up, learning new routines and expectations, and relearning previously taught materials,” said Ashley Fagel, a resident of Montgomery County, Md. and the founder of Ashley Tutors. “I see ‘brain drain’ every September in my classroom. That’s when those kids who took the summer off don’t get back on the learning track for almost three months.”

Ashley Tutors can provide what a student needs to start the school year well. Understanding that everyone learns differently, one of Ashley Tutors’ main goals is to figure out what type of learner each child is, and then meet their individual needs while also having fun. Kinesthetic learners account for 45 percent of the population, according to Muneera Spence, Oregon State University professor. The Ashley Tutors’ team focuses on the kinesthetic method in which a student carries out a physical activity, rather than listening to a teacher talk, and allows a student a two-minute motor break to move around for every eight minutes of learning.
“The breaks taken when using kinesthetic learning styles provide our tutors a chance to get to know each student better and make learning enjoyable,” said Fagel, who was featured prominently in a recent story about summer “brain drain” on NBC 4 in Washington, D.C. “This creates a strong foundation for a successful working and learning relationship that can begin in the summer months and carry over into the school year. Whether it is one of our reading tutors, math tutors or any tutor your student might need, our team can improve a student’s attitude toward learning and boost their confidence.”

In addition to teaming their student up with a tutor, parents can also check out Ashley’s journal on the Ashley Tutors’ website to pick up useful tips on how to keep your student sharp this summer, such as educational computer games or a daily writing journal. “If Ashley Tutors can make learning fun during the school year, I can’t wait to see what they have planned for the summer when there is less homework and more time to focus on my son’s areas of improvement,” said Chris Gault, parent of a student at Ridgeview Middle School. “I know that if I can balance my child’s summer fun and relaxation with educational opportunities, we will be able to set him up for a quick start to the next school year.”

ABOUT ASHLEY TUTORS: Ashley Tutors is an in-home one-on-one tutoring service covering all subjects offered to students in grades kindergarten through 12 in Montgomery County, Maryland. Ashley Fagel, a Maryland certified teacher with more than 3 years in private tutoring experience advises Ashley Tutors, and also developed its philosophy. Guided by Montgomery County resident, Josh Chernikoff, Ashley Tutors is staffed with exceptionally passionate and driven tutors who have college degrees and tutoring experience. Ashley Tutors sets itself apart from other tutoring centers as an in-home service that makes learning fun for its students, and helps students find their way to success in academics and life. L.I.V.E. Learning Is Very Entertaining!

Ashley Tutors provides one-on-one tutors for students in Montgomery County, Maryland., including Rockville, Potomac, Bethesda, Gaithersburg, Silver Spring and Chevy Chase; Washington, D.C.; and Northern Virginia including Arlington, Alexandria, and Falls Church. Ashley Tutors provides instruction in algebra, geometry, statistics, pre-calculus, anatomy, biology, chemistry, physics, environmental science, economics, government, history, law, philosophy, psychology, sociology, English, literature, journalism, reading, IT training, math, writing, history and science.

Contact:

Colleen Lerro
Director of Communications
240-780-3233
colleen@ashleytutors.com
http://www.ashleytutors.com/

Ashley Tutors’ Team of Positive Role Models Keep Students Sharp all Summer

MCPS teacher Ashley Fagel sees “brain drain” every September

MONTGOMERY COUNTY, Md. – Local tutoring company Ashley Tutors (http://www.ashleytutors.com) has hired an experienced and diverse tutoring team to put into practice the Ashley Tutors’ motto: LIVE! Learning Is Very Entertaining. School is winding down, summer is fast approaching, and the energetic instructors are ready to keep students’ minds sharp and prepare them for next school year. Ashley Tutors offers one-on-one in-home academic help in any subject for students in grades kindergarten through 12 in the Washington, D.C. area.

Research shows children can forget some of what they’ve learned over the summer, according to Harris Cooper, director of Duke University’s program in Education. The Ashley Tutors team is poised to help students retain knowledge over the summer break. Pairing your child with Ashley Tutors is just what is needed to start the new school year a step ahead.
“As a teacher, I see ‘brain drain’ every September,” said Fagel, who was featured prominently on NBC 4 in Washington, D.C. in a recent story about keeping students sharp over the summer. “Kids who took off don’t get back on the learning track for almost three months. Typically, the first quarter of the new school year is spent catching up, learning new routines and expectations, and relearning previously taught materials. Our tutors can help students avoid that pitfall by being the catalyst for an educational and fun summer!”

It is difficult for working parents to find time to provide a learning environment for their child in the summer. Ashley Tutors offers the perfect opportunity for your child to receive both an entertaining and educational experience. Parents can also visit Ashley’s Journal on the Ashley Tutors website for useful tips on how to keep your student’s minds moving this summer so they’re not behind next September. Suggestions include walks to the library, keeping daily journals and active outdoor play.

The Ashley Tutors’ team that can make even summer learning entertaining consists of 12 instructors with learning from exceptional college and graduate educations and also come from differing backgrounds with intriguing personal stories. “With a lively interactive teaching method, it is important to have well educated and extremely energetic instructors,” said Fagel. “So, our team has been assembled to be as diverse as the students we tutor all over the Washington, D.C. area.”

ABOUT ASHLEY TUTORS: Ashley Tutors is an in-home one-on-one tutoring service covering all subjects offered to students in grades kindergarten through 12 in Montgomery County, Maryland. Ashley Fagel, a Maryland certified teacher with more than 3 years in private tutoring experience advises Ashley Tutors, and also developed its philosophy. Guided by Montgomery County resident, Josh Chernikoff, Ashley Tutors is staffed with exceptionally passionate and driven tutors who have college degrees and tutoring experience. Ashley Tutors sets itself apart from other tutoring centers as an in-home service that makes learning fun for its students, and helps students find their way to success in academics and life. L.I.V.E. Learning Is Very Entertaining!

Ashley Tutors provides one-on-one tutors for students in Montgomery County, Maryland., including Rockville, Potomac, Bethesda, Gaithersburg, Silver Spring and Chevy Chase; Washington, D.C.; and Northern Virginia including Arlington, Alexandria, and Falls Church. Ashley Tutors provides instruction in algebra, geometry, statistics, pre-calculus, anatomy, biology, chemistry, physics, environmental science, economics, government, history, law, philosophy, psychology, sociology, English, literature, journalism, reading, IT training, math, writing, history and science.

Contact:

Colleen Lerro
Director of Communications
240-780-3233
colleen@ashleytutors.com
http://www.ashleytutors.com/

How to Start a Business with Less than Perfect Personal Credit.
So there you sit. You have great plans for a great new business – a sure-fire winner. But there’s a problem. You’re pretty sure your personal credit is less than perfect. Well, actually you know it’s in the dumpster. End of dream? No, start of a plan to get this ship out of dry dock.
Here’s what you have to do:
Find out what your credit score is before you approach any financial institution about a loan. Maybe it won’t be as bad as you think, but you won’t know unless you check it out. That means getting your report from all three of the major credit-reporting bureaus – Equifax, Experian or TransUnion. This way you’ll find out exactly where you stand.
There’s another benefit here as well. It’s possible your report may contain errors – a late payment, for example, you know you made on time. Or a claim of a missed payment, when you have the canceled check to prove it was paid. Errors do occur, and if you find any, now is the time to get them corrected, before you go out looking for business funding.
But let’s say that after checking your credit report, you determine that it’s correct, and yes, your credit comes up less than stellar. What do you do then? Get moving!
One thing potential lenders really dislike seeing is late or missed payments. If you had a good reason for that error (family emergency, out of country, hospitalized, etc.), write a letter of explanation to the credit bureau. It’s possible you could get it lifted from your report. You could also enlist the services of a credit repair company, if you don’t know where or how to start. And those high interest credit cards you’ve been carrying balances on? Pay them down to 30% of the credit limit as quickly as possible.
And a word about credit cards: Those colorful little pieces of plastic you’re carrying around are probably worth thousands in credit. If you’re like most folks, the temptation to use them to pay for less-than-necessary items (do you really need another flat screen TV?) could be a problem. If you can’t control your personal spending, do you really think a loan officer will think you can control your business spending any better? No! It really isn’t that hard to do, and whatever credit problems you might have, can be overcome by good financial management. You can do it if you want to.
Straighten out your credit problems well before going to any bank. While loan officers look fondly on borrowers with excellent credit, they also appreciate those with less-than-perfect credit who have recognized and corrected the situation. It says a lot about you and your worthiness to receive a loan. The key is to start establishing your business credit so that your personal credit doesn’t become as important. You should start doing this immediately, even if your business is a start up. There are lenders that will loan to start ups as well as established businesses but you must have your business set up correctly as a business and not as a hobby. You can work from your home and still be a legitimate business as long as all your documented information (EIN, State filings, business licenses, business phone number and address) is consistent. This is the key to unlock the doors to business funding.
And finally, one last word about credit: Once you do get your lines of credit or business credit cards, never, ever think about co-mingling your business and personal credit. Keep credit cards separate, as well as bank accounts. The temptation can be awfully strong to co-mingle, but it’s a path you don’t want to go down.
Pat Gage, The Opportunity Creator, and a leading expert in the field of business credit has helped a number of clients target his specialty, starting, expanding, and growing their businesses through his trademarked 10 Steps to Money System. The Opportunity Creator is not only a sought after business credit coach but also a national speaker. For more information on any topic discussed, visit Gage’s site at http://www.10stepstomoney.com

Small Business: You Need Business Credit Options
Credit – it’s probably one of the most important business tools your small business can have. In fact, it’s not only important, but essential. You need it to grow your business, take advantage of equipment and supply sales or leasing, expansion, and a thousand other things.
Most of the time, a small business doesn’t generate enough capital to supply all its needs. So when opportunities knock, savvy business owners turn to the credit market to take advantage and stay ahead of the competition. But what kinds of credit are available to the small business entrepreneur, and what types are best for his/her needs?
There are many types of credit available to business owners with realistic needs. Some secured, some unsecured. Having multiple credit sources available allows a business to pick and choose which one is the best for any given situation. And since no two businesses are alike, it makes sense that different businesses will benefit from different types of loans.
For many small businesses Unsecured Lines of Credit work well. An Unsecured Line gives the owner a lot of flexibility. You use only the amount of money you need, and can hold the rest in reserve. This can be a big plus, because since you’re only using what you need, your payments are smaller. This helps cash flow, since interest payments are only made on the outstanding balance. No collateral is required. That means no personal property or real estate is pledged against the credit line.
Unsecured Lines of Credit have interest rates starting around Prime and go up from there depending upon various underwriting requirements instituted by the bank. Some of these requirements are easily obtainable and some are a little more challenging. It’s best to be prepared when applying for any type of business loans.
Small Business Loans are the most common source of small business financing, after credit cards. There are a number of sources of small business loans, and with good credit, they’re generally not difficult to get. Some of these loans (SBA, eg.) are secured by the government. Result? Interest rates may be lower than conventional loans. They also can carry long repayment requirements which can be a big help with cash flow.
Straight bank loans (not government backed) can be very challenging to get, especially for a start-up. Unless your business has spotless books, and a solid track record over a period of years, or good financial projections for your start up that are created by a professional adviser, this is probably not a good loan to apply for.
Credit Cards are a great source of credit for small businesses. They can be used for everything from gas, to equipment/supply purchases (depending on the amount of your line). Credit Cards give you flexibility second to none, require no collateral, and give you an excellent way to track expenses.
One type of credit that generally gets little thought, but can be a significant player in fattening your bottom line, is Vendor Credit. This type of credit has a number of advantages: It’s free, unsecured, readily available, and easy to qualify for. And it can only be used for buying from the vendor’s products.
As with personal credit, there are a variety of credit sources and options available to small business entrepreneurs. As with any major decision, it’s always best to consider all the options, compare the benefits against the cost, time and effort involved. In some instances you may find that a combination of credit sources may work best for you. In others, just one.
Whichever way you decide to jump, properly used credit can be a huge boost in growing your business, and your bottom line.
Pat Gage, The Opportunity Creator, and a leading expert in the field of business credit has helped a number of clients target his specialty, starting, expanding, and growing their businesses through his trademarked 10 Steps to Money System. The Opportunity Creator is not only a sought after business credit coach but also a national speaker. For more information on any topic discussed, visit Gage’s site at http://www.10stepstomoney.com

Business Lines of Credit with Bad Credit? You better!
It shouldn’t come as a surprise that banks are more than willing to loan money to people with good credit, but shy away from those whose credit is less than perfect. Does that mean the loan you need for your small business is doomed? Not necessarily, because bad credit financing does exist.
First, there are other lenders out there who will, and they generally come in two forms – wealthy individuals (often local) who will make loans to local businesses. Uncovering them may take a bit of detective work, but they certainly are there. Then there are firms that specialize in small business loans to those whose credit is shaky. There are hundreds of them across the country, and they can easily be found on the Internet. But just because they’re there, doesn’t mean they’ll automatically approve your loan. Far from it. You have to persuade them that you’re a viable candidate, and to do that is going to require some work.
Here’s what you do: The very first step is separate your bad personal credit from your business credit. This is very, very important. You can do this by forming a corporation (S or C) or an LLC (Limited Liability Company) and applying for an EIN (Employer Identification Number). This allows you to begin establishing a business credit profile that’s completely separate from your personal credit. It’s like starting with a totally clean balance sheet.
The next step is fairly obvious. You have to build a strong business credit profile. That means finding suppliers who will report your payment history to the business credit bureaus-Dun and Bradstreet, Experian, and Equifax and making sure you are paying your suppliers on time, and adhering to other sound business practices. Make sure all your business information is correct and consistent with all of the business credit bureaus. Also, bring in a good financial consultant to prepare financial statements for your company. Any potential lender you contact is going to want to see a strong, professionally prepared financial statement. Even if your business is a start up you can still put together a financial statement with projections. This is acceptable to most any lender. Remember that you’re asking for unsecured lines of credit, which means you don’t have to use assets for collateral. Don’t even think about trying to do this yourself. Really!
And, of course, there’s still the problem of your personal credit situation. Even though you separate it from your business, it’s not going to go away, and will still be a factor in many lender’s decision process. You’re going to have to show that you’re making progress in rectifying the situation. This includes your ability to explain why and how your bad credit happened, and what steps you’re taking to remediate it. So pull your credit from all 3 credit bureaus-Experian, Equifax, and Trans Union and review it. If you’re unsure how to read them, enlist a credit repair company to assist you. Lenders want to see that you’re making an honest effort to correct past mistakes and avoid them in the future.
Essentially, it’s important for you to know that there are lenders out there (many in fact), who are willing to loan your small business money, even if your personal credit is pretty suspect. These companies, and individuals, make their money by making exactly these kinds of loans. It’s their business. Their specialty. It’s what they do. They want to loan you the funds you need. But it’s up to you to put in the effort and make the case that your business is worthy of the line of credit you seek. Remember, the lender is only looking for one thing: Your ability to pay back the loan.
Pat Gage, The Opportunity Creator, and a leading expert in the field of business credit has helped a number of clients target his specialty, starting, expanding, and growing their businesses through his trademarked 10 Steps to Money System. The Opportunity Creator is not only a sought after business credit coach but also a national speaker. For more information on any topic discussed, visit Gage’s site at http://www.10stepstomoney.com

Business Credit Cards: Awesome Business Tools

To any business, either a start-up or established, business credit cards can be very valuable financial tools if managed properly. Remember also, that because they’re business credit cards, they are unsecured and do not report on your personal credit report. Which means there is no collateral tied to them. Great benefit!! But if used improperly, it can have a devastating affect on your business’ credit profile, and hence, your business itself.
Managing your business credit cards doesn’t require an MBA from Harvard, or a financial specialist looking over your shoulder every time you plunk it down. But it does require careful monitoring, and plain old common sense. Here are a few tips you can use to get the most from your business credit cards:
· Always apply at your primary bank first. Why? Because you’ve already established a banking relationship which can pave the way for an easy application process. In short – they know you. Once you get the business credit cards, and pay them in a timely manner, it will increase your credit worthiness in the eyes of the bank. This will be of significant help when you apply for additional business lines of credit later on.
· Never co-mingle your business credit cards with your personal credit cards. However, here’s a little secret to the game. If you have business debt on your personal credit cards, transfer balance the debt to your business credit card and this will immediately improve your personal credit score by lowering your debt to income ratio. This is a huge benefit of being a business owner.
· Once your business credit is established, you’ll be deluged by special offers from credit card companies on a daily basis. When you’re invited to apply and the offer is good, then apply. Remember this: Just because you have applied and received a business credit card, doesn’t mean you have to use it immediately. It’s always a good idea to have extra “Rainy Day” money available. Every business goes through ups and downs and having the money available can be invaluable during one of those down times. It’s always easier to get money when you don’t need it.
· By all means, use the grace period when paying your business credit cards. Most providers of business credit cards offer a 21-day grace period before payment is due. This can be a big help in improving your cash flow, and it’s built-in for you to use. Don’t abuse it, and don’t pay later than the grace period deadline, however.
· Like many business transactions today, you can pay your business credit card bill online. This may not sound like such a big deal, but when you think of the time and effort it takes to write out and mail a check, it’s really a good deal. Especially since the mail can sometimes be unpredictable. Knowing you can choose the exact date your bill is paid, is priceless.
· Do not pay your credit card bills late! Yes, take advantage of the grace period, but paying late, especially if it develops into a habit, will end up costing a lot more than the actual bill. Late fees will bring about higher interest rates. But more importantly, late payments will go straight to your business’ credit profile – and you don’t want it there, especially if you plan on trying to get a line of credit from your bank or lender in the near future. Pay the bills on time, if possible.
Finally, always remember that your business credit card can be a very effective tool in managing your company’s finances. But like any tool, if handled improperly, it can cause irreparable harm – in this case, to your company’s business financial profile. Use it wisely!
Pat Gage, The Opportunity Creator, and a leading expert in the field of business credit has helped a number of clients target his specialty, starting, expanding, and growing their businesses through his trademarked 10 Steps to Money System. The Opportunity Creator is not only a sought after business credit coach but also a national speaker. For more information on any topic discussed, visit Gage’s site at http://www.10stepstomoney.com

The Information that Banks will need for Business Credit Lines.

Getting a business credit line from a bank isn’t the easiest thing to do – especially if you’re a start-up. Seed money, working capital, and other forms of loans, require that you pass a series of credit related checks.
So what do banks look for, and what can you expect? We’re going to tell you.
High on the list of establishing business credit is, of course, your personal credit history. No surprise there. If you’re a start-up, lenders will be looking at your personal credit. Banks won’t want to see late payments, missed payments, liens or a bankruptcy. The negative impact of these, and other credit deficiencies could have a substantial impact on your loan request. A late payment, here or there, won’t kill your chances, but if there’s a pattern of late payments, it very well could. If, however, you have a good explanation as to why these credit deficiencies exist, your chances of approval could increase. It’s probably a good idea to check your personal credit reports to clear up any possible discrepancies that could adversely affect your application. If your business is a start up, you may need to use your personal credit in the beginning, and while you’re doing that you can begin to establish your business credit profile as well.
But let’s say you’re already in business, and haven’t established a business credit history yet. Now it’s your business’ credit that comes into play. Dun and Bradstreet, Experian, and Equifax are often the sources the banks will turn to when reviewing your business credit reports, including history, public record information, company background and supplier payment history. Whether you’ve been in business one day or 10 years, if you haven’t established a business credit profile, then your business is still at Day One. But it’s never too late to get started. If you’re a start-up, the bank is going to look for some solid financial projections. Remember the projections you use, are based on the assumption that you’re going to get the financing needed. Work with a financial specialist to put your numbers together. The money you spend on a financial consultant will be well worth it, and the bank will appreciate your professionalism.
If you’re already in business, the same applies. But now you have real figures to present to the bank. Assuming that they’re good, that should be it, right? Wrong. The bank is going to want to see what you want the loan for. Working capital, expansion, new equipment are always good. A loan to take your top producers for a rewards week in the Caribbean is not.
Collateral doesn’t have to come into play when you apply for business credit. Why is this? Because the banks lend business lines of credit without it. They’re called unsecured credit cards and unsecured lines of credit. These are great avenues for any business that perhaps doesn’t have the business collateral. It’s never a good idea to use personal collateral to fund your business. The banks will generally lend up to $50,000 without collateral on these types of loans. The banks do require a strong business credit profile and sometimes a good personal credit profile and these can be easily established and obtained. Lenders know that there’s a strong correlation between your commitment to your business and the loan being repaid.
In the end, getting business credit is all about the figures. Do they or don’t they work. If they do, and if you present your case in a straightforward manner, you’ll put your business in the best light, and in all probability, get the loan. Always remember that the bank wants to lend you money. It’s up to you to show that you can repay the loan.
Pat Gage, The Opportunity Creator, and a leading expert in the field of business credit has helped a number of clients target his specialty, starting, expanding, and growing their businesses through his trademarked 10 Steps to Money System. The Opportunity Creator is not only a sought after business credit coach but also a national speaker. For more information on any topic discussed, visit Gage’s site at http://www.10stepstomoney.com

The Information that Banks will need for Business Credit Lines.

Getting a business credit line from a bank isn’t the easiest thing to do – especially if you’re a start-up. Seed money, working capital, and other forms of loans, require that you pass a series of credit related checks.
So what do banks look for, and what can you expect? We’re going to tell you.
High on the list of establishing business credit is, of course, your personal credit history. No surprise there. If you’re a start-up, lenders will be looking at your personal credit. Banks won’t want to see late payments, missed payments, liens or a bankruptcy. The negative impact of these, and other credit deficiencies could have a substantial impact on your loan request. A late payment, here or there, won’t kill your chances, but if there’s a pattern of late payments, it very well could. If, however, you have a good explanation as to why these credit deficiencies exist, your chances of approval could increase. It’s probably a good idea to check your personal credit reports to clear up any possible discrepancies that could adversely affect your application. If your business is a start up, you may need to use your personal credit in the beginning, and while you’re doing that you can begin to establish your business credit profile as well.
But let’s say you’re already in business, and haven’t established a business credit history yet. Now it’s your business’ credit that comes into play. Dun and Bradstreet, Experian, and Equifax are often the sources the banks will turn to when reviewing your business credit reports, including history, public record information, company background and supplier payment history. Whether you’ve been in business one day or 10 years, if you haven’t established a business credit profile, then your business is still at Day One. But it’s never too late to get started. If you’re a start-up, the bank is going to look for some solid financial projections. Remember the projections you use, are based on the assumption that you’re going to get the financing needed. Work with a financial specialist to put your numbers together. The money you spend on a financial consultant will be well worth it, and the bank will appreciate your professionalism.
If you’re already in business, the same applies. But now you have real figures to present to the bank. Assuming that they’re good, that should be it, right? Wrong. The bank is going to want to see what you want the loan for. Working capital, expansion, new equipment are always good. A loan to take your top producers for a rewards week in the Caribbean is not.
Collateral doesn’t have to come into play when you apply for business credit. Why is this? Because the banks lend business lines of credit without it. They’re called unsecured credit cards and unsecured lines of credit. These are great avenues for any business that perhaps doesn’t have the business collateral. It’s never a good idea to use personal collateral to fund your business. The banks will generally lend up to $50,000 without collateral on these types of loans. The banks do require a strong business credit profile and sometimes a good personal credit profile and these can be easily established and obtained. Lenders know that there’s a strong correlation between your commitment to your business and the loan being repaid.
In the end, getting business credit is all about the figures. Do they or don’t they work. If they do, and if you present your case in a straightforward manner, you’ll put your business in the best light, and in all probability, get the loan. Always remember that the bank wants to lend you money. It’s up to you to show that you can repay the loan.
Pat Gage, The Opportunity Creator, and a leading expert in the field of business credit has helped a number of clients target his specialty, starting, expanding, and growing their businesses through his trademarked 10 Steps to Money System. The Opportunity Creator is not only a sought after business credit coach but also a national speaker. For more information on any topic discussed, visit Gage’s site at http://www.10stepstomoney.com

You can start a Business With Lousy Credit

You may be trying to start a business, or have one that’s in its initial stages. Your idea is great, your plan is flawless, and your product or service is ready for the fast lane. Only problem is, that super-charged, can’t-miss-small-business of yours is sitting by the side of the road. It’s stuck, and it’s out of gas.
The analogy may not be great, but if you’re in that type of situation, you know what it’s all about. Your personal credit rating is less than stellar. You found out just how bad, when the bank’s Business Loan Officer gave you a look of horror when you told him what you wanted to borrow, and why.
Let’s face it, he probably couldn’t wait to get you out of his office fast enough. Is there anything you can do to jump-start this situation? Yes there is. In fact, there a number of avenues you need to explore.
First things first. There are three credit reporting agencies, Equifax, Experian and TransUnion. You want to get your tri-merge credit report, which is a report from all 3 credit bureaus. Once you get them in hand, you’ll have a clear idea of exactly where you stand – and just as importantly, why.
Review each and every report. Look for errors, because (guess what), the credit bureaus do make them. Maybe a bill they’re reporting as unpaid, involved a dispute. Maybe a credit card purchase wasn’t yours. If you find any glitches, report them immediately to the credit bureau involved. You can also enlist the services of an established credit repair company, if you’re not sure how to handle the disputes yourself.
Creating a business credit profile can also be an answer to your credit issue. By creating a business credit profile, you can start establishing credit for your business, which is separate than your personal FICO score. Establishing a business credit profile can help you get your business started while working to improve your personal FICO score. Once you establish your business credit profile your business can start applying for business credit cards and other types of business financing.
But, when you get business credit cards, keep your personal and business credit separate – very separate. Many folks fall prey to the temptation of using business credit cards for personal expenses. This is more than a red flag to business lenders, it’s a giant red balloon. Commingling your funds can cause many problems for your accountant and attorney. When you commingle your personal and business funds, you open the door to lawsuits and your bookkeeping becomes a nightmare.
Business credit cards can be a great source of financing. One misconception is that business credit cards have a high interest rate. This just isn’t true. Many business credit cards fall in the interest rate range of 8-14%. But more importantly remember this; it’s not always the cost of money that’s important, but the availability of money. Wouldn’t you like to have an extra $30,000, $50,000, or even $100,000 right now to start or expand your business? Make sure you are diligent about making payments on time and, two things will happen: First, the credit card company will court your business, and probably offer you a credit line increase. Second, your credit standing will improve with the bank. Bank’s love it when you’ve demonstrated the ability to pay off a loan – even if it’s not theirs.
Finally, make certain that you use your credit wisely, and strictly for the business. And more importantly, to improve the business – new equipment or hiring employees, marketing, whatever it takes. This will show a Loan Officer that you’re serious about what you’re doing, and will make you a more attractive loan candidate.
Pat Gage, The Opportunity Creator, and a leading expert in the field of business credit has helped a number of clients target his specialty, starting, expanding, and growing their businesses through his trademarked 10 Steps to Money System. The Opportunity Creator is not only a sought after business credit coach but also a national speaker. For more information on any topic discussed, visit Gage’s site at http://www.10stepstomoney.com/

Obtaining Business Lines of Credit To Fund Your Business

Let’s say your business needs a capital infusion. Things are going well, but you need extra cash to expand, hire new employees, make improvements, increase marketing – whatever. Where do you turn to get the cash you need? Can you leverage your business to fund your goals? And how do you do it? Actually, there are more ways of getting funding than you probably thought.
Assuming your business is in good shape, pays its bills promptly, has a good cash flow, and is professionally managed, you have a lot of options. You can probably narrow down the list by scratching off Venture Capitalists and Angels. The former are only interested in lending you money if you plan to go public at some point. Angels (not the celestial kind!), might be interested if you have a lock on the, “next big thing,” but only if the payoff is calculated in the tens-of-millions of $$. You may not be quite there yet.
What does that leave? One valuable option is to start creating a business credit profile for your business. Creating a business credit profile can be done easily and can offer any number of business loans, from Working Capital, to Lines of Credit, to Construction, to Term Loans, to even business credit cards. If you already have a good working relationship with your Business Loan Officer, this is probably the first place to look, once you have your business credit profile in place. They know you, and you’ll be able to skip much of the red tape. This makes sense a lot of the time. But hold on! You have quite a few other options available.
Business credit cards, for example. All major business credit card companies have branched into commercial lending. Obtaining cash from this method is usually easier than other sources. However, this method of financing still needs an established business credit profile. Because lending institutions don’t lend money to sole proprietors. That’s called a personal loan. This is one option to be considered. Business credit cards can be useful in many ways and have reasonable interest rates as well. Once you have established your business entity, you will be receiving numerous offers from business credit card companies to apply. This is a great way to have access to capital. Remember that your business credit cards do not show up on your personal credit report. So any business debt that appears on your personal credit can be transferred to your business credit card, freeing up your personal debt to income ratio. This will increase your personal credit score almost immediately. Many times the credit card companies will offer 0% interest for a limited time (I’ve seen up to one year), then have a reasonable interest rate afterwards (anywhere from 8-14%). That’s far better than a hard money lender or private lender.
Then there’s unsecured lines of credit. The objective is to stimulate micro-enterprises and provide unsecured loans of up to $50,000 to small businesses. You can apply for unsecured lines of credit through your bank or many other institutions that offer them. Once again your business credit profile will need to be in place. Typically, an unsecured line of credit has an interest rate of Prime plus one or two points, depending on some factors that are taken into account. But the bonus here is that the money is unsecured which means you don’t have to put up any collateral for it. This type of lending does not require any financial statements as well. This gives you flexibility especially if your business doesn’t have a great cash flow yet. This is a great method for obtaining capital for your business whether it’s to expand, advertise, or market a new idea.
Pat Gage, The Opportunity Creator, and a leading expert in the field of business credit has helped a number of clients target his specialty, starting, expanding, and growing their businesses through his trademarked 10 Steps to Money System. The Opportunity Creator is not only a sought after business credit coach but also a national speaker. For more information on any topic discussed, visit Gage’s site at http://www.10stepstomoney.com/

HOW TO RAISE BUSINESS LINES OF CREDIT FOR YOUR BUSINESS
So there you are – you’ve done all your research, scoped out the competition, found your marketing niche, and spent countless hours planning precisely how you’re going to open, then operate your business.
It looks like a slam-dunk, except for one tiny problem – you need a bunch of cash to turn your dream into reality. Sure, you’re willing to put in as much as you can as far as time and effort. Maybe you can hit up your rich Aunt Gertrude for a few bucks. But, you still may need additional cash to get your business up-and-running.
What to do, and where to go to do it? Starting a business cash-poor is the quickest way of having that business cash you out – right on your ear. That will make neither you, nor Aunt Gertrude, very happy. So, you put on your, I-Need-A-Business-Line-Of-Credit hat and do a little thinking. Voila! The light goes on and blinks the word “Bank”. Halleluiah! Let’s open the doors and get this business rolling!
Or not. Stopping in to see your friendly neighborhood banker for a business line of credit takes a little more than shinned shoes, and an honest, open smile. That might have cut it with Aunt Gertrude, but your Business Loan Officer will be a bit more demanding. The Business Loan Officer is going to want to have a serious discussion about your business credit profile. This will help him decide your creditworthiness as a business. And that, not incidentally, is going to bring up the question of how you create one in the first place!
First, it’s essential that you separate your personal credit from your business credit. Reason? Personal credit is for your household expenses and business credit is to start, or expand your business. Your business will need more money than your household. If you use your personal credit to fund your business you could seem overextended to the banks and could be declined for any personal household credit needs, such as a new house or car.
How do you do this? Actually it’s simple. All you need to do is incorporate your business. There are several different entities to choose from, C or S-Corporation, or LLC (Limited Liability Company). That makes your business a self-sustaining entity, and takes away any personal liability.
. Next, Uncle Sam is going to require that your business have a Federal EIN, which is like the social security number for your business. Then, a separate bank account under the business’ name is required. And of course, you’ll need to comply with all local regulations regarding permits, licenses, etc. Naturally, you’ll have to get a business phone number (not a cell phone). You can use your cell phone as a secondary line but the banks will check to see if your business phone number is a land line in your business name corresponding to the physical address you have given as your business address. Now your physical address could be your home. If you do indeed work from home, that’s okay. The important thing is that all of your business information is consistent.
The last step will be establishing a business credit profile with Dun & Bradstreet and the other business credit bureaus. These are the premier credit rating company’s that all banks turn to. To do this, you’ll need to get several business vendors who’ll extend you a small amount of credit. Pay those bills promptly, and those vendors can then be used as credit references. They will be reporting your payment history so the banks can check your business credit.
Getting that first business line of credit isn’t rocket science. It just takes a little bit of work, and a lot of attention to detail.
Pat Gage, The Opportunity Creator, and a leading expert in the field of business credit has helped a number of clients target his specialty, starting, expanding, and growing their businesses through his trademarked 10 Steps to Money System. The Opportunity Creator is not only a sought after business credit coach but also a national speaker. For more information on any topic discussed, visit Gage’s site at http://www.10stepstomoney.com/

How to Get Your 2ND Business Line of Credit

Good for you! You were able to get that all important 1st loan to start your fledgling business. Now you’re up-and-running, business is humming, and things are looking rosier than a horticultural shop in May. Time to sit back and smell those roses? Not quite. You’ve gone from working 10 hours a day to 12. You need money for expansion, marketing, people. You need to go back to the bank. But since you’ve already been successful once, you shouldn’t have any problem getting a second loan, right? Should be a snap!
Well, maybe not quite that easy. Because your loan officer is going to look at you just as hard the second time around as he/she did the first. There are no free passes when it comes to getting credit, so you better be prepared to look good.
Here’s how you do it:
· First and foremost, make sure your business credit is in good shape. That means that all business credit cards have been paid in a timely manner, as well as bills from suppliers, utilities and the like. To find out how you stand, check with Dun & Bradstreet. They keep tabs on virtually all small businesses, and will have a record of your payment performance. If by some chance, there’s a blot on your record, find out what it is. You can be certain your loan officer will want to know what’s it’s all about. It’s up to you to make sure it can be explained, or better, removed before you apply for a loan. Don’t have a Dun & Bradstreet credit profile? Get signed up as soon as possible. A Dun & Bradstreet credit profile is the best way to get your business credit on track and supercharge your business with vendors and lenders. This demonstrates to the banks that your business is a real business and not “in a van down by the river.”
· Ask for more than you actually need. It may sound scary, but remember you only use it as you need it. That’s the beauty of unsecured lines of credit. Yes, bigger loans mean bigger payments, but remember you only pay on what you use. This is about getting the right amount of unsecured lines of credit so that you don’t necessarily have to go back to the bank anytime soon. Applying for too small a loan can be just as dangerous as applying for too big a loan. Because then you have to keep going back. If you ask for the right amount then it will sustain your business for a little longer.
· Clear up your personal credit if you have any problems. Your credit was probably pretty good when you were granted your first loan, but if for some reason it’s taken a hit since then, you’d better clear it up – and fast! Even though your business may be booming, lenders know that personal credit problems could carry over to your business down the road. That means getting your report from all three of the major credit-reporting bureaus – Equifax, Experian or TransUnion. This way you’ll find out exactly where you stand.
· Anticipate, organize and be prepared when you make your loan application. Sounds simple enough, but have your financial consultant prepare an interim financial statement, incase the banker asks for it. However, remember that you are applying for unsecured lines of credit so you don’t have to put up your business or personal assets for collateral. In short, anything that will make you look more professional and prepared in the eyes of your lending officer, but don’t offer it if they don’t ask for it. The fact that you’ve prepared this material means less work your lending officer. Nothing wrong with that scenario!
Pat Gage, The Opportunity Creator, and a leading expert in the field of business credit has helped a number of clients target his specialty, starting, expanding, and growing their businesses through his trademarked 10 Steps to Money System. The Opportunity Creator is not only a sought after business credit coach but also a national speaker. For more information on any topic discussed, visit Pat Gage’s site at http://www.10stepstomoney.com/

All Waste, LLC, Michigan Garbage Removal, Dumpster Rental, Trash Pick up, and Roll-off Service, Joins the Community Fight to Eliminate Breast Cancer

They painted their dumpsters pink and decorated them with ribbons in recognition of breast cancer awareness

Macomb, MI - In recognition of Breast Cancer National Awareness Month, All Waste is spreading the message for breast cancer awareness. To bring attention to this worthy cause have painted a selection our dumpsters pink and decorated them with pink ribbons. All Waste is also contributing a portion of their proceeds to a research foundation working to find a cure for this disease.

For 20 years they have been Michigan’s leading trash hauling and junk removal company, beginning in 1988 when Sherman Rogers began the company with a Mack truck and 12 roll-off dumpsters. Rogers, president of All Waste, now runs an all-Mack fleet of 12 trucks and more than 500 dumpsters.

All Waste serves the greater metropolitan Detroit area, providing rubbish and trash removal. They service all sites including residential, construction, industrial and commercial such as shopping centers, malls and restaurants, with 10 to 40 foot dumpsters with open top and rear door swing.

Over the past two decades All Waste has worked to continue the good name they have earned. Their radio dispatch units enable them to respond to customers quickly and professionally for jobs like demolition, remodeling waste removal and basement cleanup. They exceed others in trash compactor sales and dumpster rentals. They even do yard cleaning, appliance removal, trash and rubbish collection.

ALL WASTE, LLC
4751 22 Mile Road
Shelby Township, MI 48317-1515
Hours: 8:00am - 5:00pm Eastern Time
Monday - Friday (Excluding U.S. holidays)
Phone: 877-524-1002 Fax: 586-254-9936

Web site: http://thegarbageman.com/
Email: sherman@all-waste.com

ALL WASTE is the leading name in Construction Waste Management, servicing the following areas:

Macomb --Bruce Township, Center Line, Chesterfield Township, Clinton Township, Eastpointe, Fraser, Harrison Township, Lenox Township, Macomb Township, Mt. Clemens, New Baltimore, Ray Township, Roseville, Richmond ,Richmond Township, Shelby Charter Township, St. Clair Shores Sterling Heights, Utica, Warren,

Oakland County --Addison Township, Auburn Hills, Berkley, Beverly Hills, Bingham Farms, Birmingham, Bloomfield Township, Clawson, Commerce Township, Farmington, Farmington Hills, Ferndale, Franklin, Hazel Park, Highland Township, Holly, Holly Township, Huntington Woods, Independence Township, Keego Harbor, Lathrup Village, Lyon Township, Madison Heights, Milford, Milford Township, Northville, Novi, Oak Park, Oakland Township, Orchard Lake, Orion Township, Oxford Township, Pleasant Ridge, Pontiac, Rochester, Rochester Hills, Royal Oak, Southfield, South Lyon, Troy, Walled Lake, Waterford Township, West Bloomfield Township, White Lake Township, Wixom
Wayne County --Belleville, Brownstown Township, Canton Township, Dearborn, Dearborn Heights, Grosse Ile Township, Grosse Pointe Shores, Grosse Pointe Woods, Hamtramck, Inkster, Livonia, Northville Township, Plymouth, Redford Township, Riverview, Romulus, Taylor, Trenton, Wayne, Westland, Wyandotte.

Washtenaw County:
Ann Arbor, Bridgewater, Chelsea, Dexter, Manchester, Salem, Saline, Superior Township, Whitmore Lake, Whittaker, Willis, and Ypsilanti

All Waste Garbage Pick-up Service of Metro Detroit, Michigan, Donates Dumpster Service to Worthy Causes as they Join the Fight against Breast Cancer

Think Pink - They have painted our dumpsters Pink in recognition of Breast Cancer National Awareness Month

Eastpointe, MI - For 20 years All Waste has been the leaders in Michigan trash hauling and junk removal. They also surpass others in trash compactor sales and services as well as dumpster rentals.

Their radio dispatch units enable them to respond to their customers quickly and professionally for jobs like demolition, remodeling waste removal and basement cleanup. They even do yard cleaning, appliance removal, trash and rubbish collection. They have 10, 20, 30 and 40 foot dumpsters to accommodate any size job.

All Waste serves the greater metropolitan Detroit area, providing rubbish and trash removal from construction, industrial, commercial and residential sites, including shopping centers, malls and restaurants. They are not only the #1 service provider for trash removal in Michigan; they pride themselves on being among the leading Michigan companies actively involved with the community. They donated dumpster service to the AIDS walk of Detroit and the Super Bowl XL volunteer appreciation party.

All Waste supplied the “We are here foundation" with container service to clean up the Clinton river water shed. Now, in recognition of Breast Cancer National Awareness Month they have painted a selection our dumpsters pink and decorated them with pink ribbons. In addition they are contributing a portion of All Waste’s proceeds to a research foundation working to find a cure for this disease. For 20 years they have been the leaders in Michigan trash hauling and junk removal, now they’re working to remove the threat of breast cancer.

Contact:
ALL WASTE, LLC
4751 22 Mile Road
Shelby Township, MI 48317-1515
Hours: 8:00am - 5:00pm Eastern Time
Monday - Friday (Excluding U.S. holidays)
Phone: 877-524-1002 Fax: 586-254-9936

Web site: http://thegarbageman.com/
Email: sherman@all-waste.com


All Waste services the following areas:

Macomb --Bruce Township, Center Line, Chesterfield Township, Clinton Township, Eastpointe, Fraser, Harrison Township, Lenox Township, Macomb Township, Mt. Clemens, New Baltimore, Ray Township, Roseville, Richmond, Richmond Township, Shelby Charter Township, St. Clair Shores Sterling Heights, Utica, Warren,

Oakland County --Addison Township, Auburn Hills, Berkley, Beverly Hills, Bingham Farms, Birmingham, Bloomfield Township, Clawson, Commerce Township, Farmington, Farmington Hills, Ferndale, Franklin, Hazel Park, Highland Township, Holly, Holly Township, Huntington Woods, Independence Township, Keego Harbor, Lathrup Village, Lyon Township, Madison Heights, Milford, Milford Township, Northville, Novi, Oak Park, Oakland Township, Orchard Lake, Orion Township, Oxford Township, Pleasant Ridge, Pontiac, Rochester, Rochester Hills, Royal Oak, Southfield, South Lyon, Troy, Walled Lake, Waterford Township, West Bloomfield Township, White Lake Township, Wixom
Wayne County --Belleville, Brownstown Township, Canton Township, Dearborn, Dearborn Heights, Grosse Ile Township, Grosse Pointe Shores, Grosse Pointe Woods, Hamtramck, Inkster, Livonia, Northville Township, Plymouth, Redford Township, Riverview, Romulus, Taylor, Trenton, Wayne, Westland, Wyandotte.

Washtenaw County:
Ann Arbor, Bridgewater, Chelsea, Dexter, Manchester, Salem, Saline, Superior Township, Whitmore Lake, Whittaker, Willis, and Ypsilanti

All Waste, LLC #1 Macomb County Trash Pick-up and Dumpster Service Leads the Fight against Breast Cancer

They are contributing a portion of All Waste’s proceeds to a research foundation working to find a cure for this disease

Chesterfield, MI – Sherman Rogers, President of All Waste, LLC, has painted a selection his dumpsters pink and decorated them with pink ribbons in recognition of Breast Cancer National Awareness Month. In addition to that his company is contributing a portion of All Waste’s proceeds to a research foundation working to find a cure for this disease. For 20 years he have been the leaders in Michigan trash hauling and junk removal, demolition, remodeling waste removal, basement cleanup, appliance removal, trash collection and even yard cleaning. Now he is working on getting rid of breast cancer.

All Waste was formed to provide customers with an honest company with professional services at fair and competitive prices. They pride themselves with quality service and timely delivery. All Waste serves the greater metropolitan Detroit area, providing rubbish and trash removal from construction, industrial, commercial and residential sites, including shopping centers, malls and restaurants.

Not only are they the leading service provider for trash removal in Michigan, they pride ourselves on being among the leading Michigan companies actively involved with their community. In addition to joining the fight against breast cancer, they supply the “We are here foundation" with container service to clean up the Clinton river water shed. They supply container service to the Motown Winter Blast and they donate dumpsters to the annual Jobbienooner party and place them on a barge to the island custom dumpster service. All Waste also donates dumpster service to the AIDS walk of Detroit.

ALL WASTE, LLC
4751 22 Mile Road
Shelby Township, MI 48317-1515
Hours: 8:00am - 5:00pm Eastern Time
Monday - Friday (Excluding U.S. holidays)
Phone: 877-524-1002 Fax: 586-254-9936

Web site: http://thegarbageman.com/
Email: sherman@all-waste.com

ALL WASTE is the leading name in Construction Waste Management, servicing the following areas:

Macomb --Bruce Township, Center Line, Chesterfield Township, Clinton Township, Eastpointe, Fraser, Harrison Township, Lenox Township, Macomb Township, Mt. Clemens, New Baltimore, Ray Township, Roseville, Richmond ,Richmond Township, Shelby Charter Township, St. Clair Shores Sterling Heights, Utica, Warren,

Oakland County --Addison Township, Auburn Hills, Berkley, Beverly Hills, Bingham Farms, Birmingham, Bloomfield Township, Clawson, Commerce Township, Farmington, Farmington Hills, Ferndale, Franklin, Hazel Park, Highland Township, Holly, Holly Township, Huntington Woods, Independence Township, Keego Harbor, Lathrup Village, Lyon Township, Madison Heights, Milford, Milford Township, Northville, Novi, Oak Park, Oakland Township, Orchard Lake, Orion Township, Oxford Township, Pleasant Ridge, Pontiac, Rochester, Rochester Hills, Royal Oak, Southfield, South Lyon, Troy, Walled Lake, Waterford Township, West Bloomfield Township, White Lake Township, Wixom
Wayne County --Belleville, Brownstown Township, Canton Township, Dearborn, Dearborn Heights, Grosse Ile Township, Grosse Pointe Shores, Grosse Pointe Woods, Hamtramck, Inkster, Livonia, Northville Township, Plymouth, Redford Township, Riverview, Romulus, Taylor, Trenton, Wayne, Westland, Wyandotte.

Washtenaw County:
Ann Arbor, Bridgewater, Chelsea, Dexter, Manchester, Salem, Saline, Superior Township, Whitmore Lake, Whittaker, Willis, and Ypsilanti

All Waste, Michigan’s Leader in Garbage Pick-up and Roll-Off Service, is also a Leader in Community Service

All Waste Donates Dumpster Service to Worthy Causes and Joins the Fight against Breast Cancer

Ann Arbor, MI - Sherman Rogers began his business in 1998 with a single Mack truck and 12 roll-off dumpsters. Rogers, president of All Waste, now runs an all-Mack fleet of 12 trucks and more than 500 dumpsters. All Waste is an honest company with professional services at fair and competitive prices. They are not only the #1 trash service provider in Michigan; they also lead the way in community service.

Sherman has joined the fight against breast cancer, showing his support by painting his dumpsters pink and decorating them with ribbons. He also contributes a portion of All Waste’s proceeds to a research foundation in hopes of finding a cure for this disease. In addition, All Waste provided the “We are here foundation" with container service to clean up the Clinton river water shed. They did the same for the Motown Winter Blast and the annual Jobbienooner party. All Waste donated dumpster service to the AIDS walk of Detroit and now they are joining the fight against breast cancer.

For 20 years we have been the leaders in Michigan trash hauling and junk removal, demolition, remodeling waste removal, basement cleanup, appliance removal, trash collection and even yard cleaning. All Waste serves the greater metropolitan Detroit area, providing rubbish and trash removal from construction, industrial, commercial and residential sites, including shopping centers, malls and restaurants.

Contact:
ALL WASTE, LLC
4751 22 Mile Road
Shelby Township, MI 48317-1515
Hours: 8:00am - 5:00pm Eastern Time
Monday - Friday (Excluding U.S. holidays)
Phone: 877-524-1002 Fax: 586-254-9936

Web site: http://thegarbageman.com/
Email: sherman@all-waste.com



All Waste serves the following areas:

Macomb --Bruce Township, Center Line, Chesterfield Township, Clinton Township, Eastpointe, Fraser, Harrison Township, Lenox Township, Macomb Township, Mt. Clemens, New Baltimore, Ray Township, Roseville, Richmond ,Richmond Township, Shelby Charter Township, St. Clair Shores Sterling Heights, Utica, Warren,

Oakland County --Addison Township, Auburn Hills, Berkley, Beverly Hills, Bingham Farms, Birmingham, Bloomfield Township, Clawson, Commerce Township, Farmington, Farmington Hills, Ferndale, Franklin, Hazel Park, Highland Township, Holly, Holly Township, Huntington Woods, Independence Township, Keego Harbor, Lathrup Village, Lyon Township, Madison Heights, Milford, Milford Township, Northville, Novi, Oak Park, Oakland Township, Orchard Lake, Orion Township, Oxford Township, Pleasant Ridge, Pontiac, Rochester, Rochester Hills, Royal Oak, Southfield, South Lyon, Troy, Walled Lake, Waterford Township, West Bloomfield Township, White Lake Township, Wixom
Wayne County --Belleville, Brownstown Township, Canton Township, Dearborn, Dearborn Heights, Grosse Ile Township, Grosse Pointe Shores, Grosse Pointe Woods, Hamtramck, Inkster, Livonia, Northville Township, Plymouth, Redford Township, Riverview, Romulus, Taylor, Trenton, Wayne, Westland, Wyandotte.

Washtenaw County:
Ann Arbor, Bridgewater, Chelsea, Dexter, Manchester, Salem, Saline, Superior Township, Whitmore Lake, Whittaker, Willis, and Ypsilanti

All Waste, LLC of Shelby Twp, Michigan Paints their Dumpsters Pink in Recognition of Breast Cancer Awareness

Trash Removal is synonymous with the Fight to eliminate Breast Cancer


Shelby Twp, MI – All Waste is the leading service provider for trash removal in Michigan; they also pride ourselves on being among the leading Michigan companies actively involved with the community. They donated dumpster service to the AIDS walk of Detroit and the Super Bowl XL volunteer appreciation party. Now they join the fight against breast cancer, showing their support by painting dumpsters pint and decorating them with pink ribbons. All Waste donates a portion of all proceeds to a research foundation to find a cure for this disease.

All Waste was formed to provide customers with an honest company to give professional services at fair and competitive prices. Sherman Rogers, president of All Waste, formed the company 1988 with a single Mack truck and 12 roll-off dumpsters. He currently operates with an all-Mack fleet of 12 trucks and more than 500 dumpsters. All Waste services the greater metropolitan Detroit area providing rubbish and trash removal for all sites including residential, construction, industrial and commercial.

Their radio dispatch units enable then to respond to customers quickly and professionally for jobs like demolition, remodeling waste removal and basement cleanup, yard cleaning, appliance removal, trash and rubbish collection. For 20 years they have been the leaders in Michigan trash hauling and junk removal, demolition, remodeling waste removal, basement cleanup, appliance removal, trash collection and even yard cleaning. Now they are working on cleaning up and removing the threat of breast cancer.

Contact:
ALL WASTE, LLC
4751 22 Mile Road
Shelby Township, MI 48317-1515
Hours: 8:00am - 5:00pm Eastern Time
Monday - Friday (Excluding U.S. holidays)
Phone: 877-524-1002 Fax: 586-254-9936

Web site: http://thegarbageman.com/
Email: sherman@all-waste.com

All Waste services the following cities:

Macomb --Bruce Township, Center Line, Chesterfield Township, Clinton Township, Eastpointe, Fraser, Harrison Township, Lenox Township, Macomb Township, Mt. Clemens, New Baltimore, Ray Township, Roseville, Richmond ,Richmond Township, Shelby Charter Township, St. Clair Shores Sterling Heights, Utica, Warren,

Oakland County --Addison Township, Auburn Hills, Berkley, Beverly Hills, Bingham Farms, Birmingham, Bloomfield Township, Clawson, Commerce Township, Farmington, Farmington Hills, Ferndale, Franklin, Hazel Park, Highland Township, Holly, Holly Township, Huntington Woods, Independence Township, Keego Harbor, Lathrup Village, Lyon Township, Madison Heights, Milford, Milford Township, Northville, Novi, Oak Park, Oakland Township, Orchard Lake, Orion Township, Oxford Township, Pleasant Ridge, Pontiac, Rochester, Rochester Hills, Royal Oak, Southfield, South Lyon, Troy, Walled Lake, Waterford Township, West Bloomfield Township, White Lake Township, Wixom
Wayne County --Belleville, Brownstown Township, Canton Township, Dearborn, Dearborn Heights, Grosse Ile Township, Grosse Pointe Shores, Grosse Pointe Woods, Hamtramck, Inkster, Livonia, Northville Township, Plymouth, Redford Township, Riverview, Romulus, Taylor, Trenton, Wayne, Westland, Wyandotte.

Washtenaw County:
Ann Arbor, Bridgewater, Chelsea, Dexter, Manchester, Salem, Saline, Superior Township, Whitmore Lake, Whittaker, Willis, and Ypsilanti

All Waste, #1 Oakland County Garbage Removal and Trash Pick-up Service, is also a leader in Community Service

All Waste Donates Dumpster Service to Worthy Causes and Joins the Fight against Breast Cancer

Pontiac, MI - ALL WASTE, LLC was started 1998 by Sherman Rogers with a single Mack truck and 12 roll-off dumpsters. Rogers, president of All Waste, now runs an all-Mack fleet of 12 trucks and more than 500 dumpsters.

All Waste was formed to provide customers with an honest company with professional services at fair and competitive prices. They pride themselves with quality service and timely delivery. All Waste serves the greater metropolitan Detroit area, providing rubbish and trash removal from construction, industrial, commercial and residential sites, including shopping centers, malls and restaurants.

Tjey are not only the #1 service provider for trash removal in Michigan, they pride themselves on being among the leading Michigan companies actively involved with their community. They supply the “We are here foundation" with container service to clean up the Clinton river water shed. They also supply container service to the Motown Winter Blast and they donate dumpsters to the annual Jobbienooner party and place them on a barge to the island custom dumpster service. All Waste donates dumpster service to the AIDS walk of Detroit besides joining the fight against breast cancer.

All Waste has painted a selection their dumpsters pink and decorated them with pink ribbons in recognition of Breast Cancer National Awareness Month. In addition to that they are contributing a portion of All Waste’s proceeds to a research foundation working to find a cure for this disease. For 20 years All Waste has been the leaders in Michigan trash hauling and junk removal, demolition, remodeling waste removal, basement cleanup, appliance removal, trash collection and even yard cleaning.

ALL WASTE, LLC
4751 22 Mile Road
Shelby Township, MI 48317-1515
Hours: 8:00am - 5:00pm Eastern Time
Monday - Friday (Excluding U.S. holidays)
Phone: 877-524-1002 Fax: 586-254-9936

Web site: http://thegarbageman.com/
Email: sherman@all-waste.com

All Waste Services the following cities:

Macomb --Bruce Township, Center Line, Chesterfield Township, Clinton Township, Eastpointe, Fraser, Harrison Township, Lenox Township, Macomb Township, Mt. Clemens, New Baltimore, Ray Township, Roseville, Richmond ,Richmond Township, Shelby Charter Township, St. Clair Shores Sterling Heights, Utica, Warren,

Oakland County --Addison Township, Auburn Hills, Berkley, Beverly Hills, Bingham Farms, Birmingham, Bloomfield Township, Clawson, Commerce Township, Farmington, Farmington Hills, Ferndale, Franklin, Hazel Park, Highland Township, Holly, Holly Township, Huntington Woods, Independence Township, Keego Harbor, Lathrup Village, Lyon Township, Madison Heights, Milford, Milford Township, Northville, Novi, Oak Park, Oakland Township, Orchard Lake, Orion Township, Oxford Township, Pleasant Ridge, Pontiac, Rochester, Rochester Hills, Royal Oak, Southfield, South Lyon, Troy, Walled Lake, Waterford Township, West Bloomfield Township, White Lake Township, Wixom
Wayne County --Belleville, Brownstown Township, Canton Township, Dearborn, Dearborn Heights, Grosse Ile Township, Grosse Pointe Shores, Grosse Pointe Woods, Hamtramck, Inkster, Livonia, Northville Township, Plymouth, Redford Township, Riverview, Romulus, Taylor, Trenton, Wayne, Westland, Wyandotte.

Washtenaw County:
Ann Arbor, Bridgewater, Chelsea, Dexter, Manchester, Salem, Saline, Superior Township, Whitmore Lake, Whittaker, Willis, and Ypsilanti

ALL WASTE, LLC the #1 Detroit, MI Trash Pick-up and Roll-off Service in the Waste Management Industry has joined the on going battle against Breast Cancer

Now Trash Removal is synonymous with the fight to eliminate this disease

Detroit, MI--ALL WASTE is the leading name in Construction Waste Management. The company was founded in 1988 by Sherman Rogers and over the past two decades he has worked to continue the good name he has earned.

Now, in recognition of Breast Cancer National Awareness Month, they are using their good name and reputation to spread the message for breast cancer awareness. In order to bring attention to this worthy cause he has painted a selection his dumpsters pink and decorated them with pink ribbons. In addition he is contributing a portion of All Waste’s proceeds to a research foundation working to find a cure for this disease.

For 20 years All Waste has been the leader in Michigan trash hauling and junk removal. They also surpass others in trash compactor sales and services as well as dumpster rentals. Their radio dispatch units enable them to respond to their customers quickly and professionally for jobs like demolition, remodeling waste removal and basement cleanup. They even do yard cleaning, appliance removal, trash and rubbish collection.

The mission at ALL WASTE has always been to remove the junk people don’t want in their home, business, etc. Now they’re working on getting rid of breast cancer.

Contact:
ALL WASTE, LLC
4751 22 Mile Road
Shelby Township, MI 48317-1515
Hours: 8:00am - 5:00pm Eastern Time
Monday - Friday (Excluding U.S. holidays)
Phone: 877-524-1002 Fax: 586-254-9936

Web site: http://thegarbageman.com/
Email: sherman@all-waste.com


All Waste services the following Southeast Michigan cities:

Macomb --Bruce Township, Center Line, Chesterfield Township, Clinton Township, Eastpointe, Fraser, Harrison Township, Lenox Township, Macomb Township, Mt. Clemens, New Baltimore, Ray Township, Roseville, Richmond ,Richmond Township, Shelby Charter Township, St. Clair Shores Sterling Heights, Utica, Warren,

Oakland County --Addison Township, Auburn Hills, Berkley, Beverly Hills, Bingham Farms, Birmingham, Bloomfield Township, Clawson, Commerce Township, Farmington, Farmington Hills, Ferndale, Franklin, Hazel Park, Highland Township, Holly, Holly Township, Huntington Woods, Independence Township, Keego Harbor, Lathrup Village, Lyon Township, Madison Heights, Milford, Milford Township, Northville, Novi, Oak Park, Oakland Township, Orchard Lake, Orion Township, Oxford Township, Pleasant Ridge, Pontiac, Rochester, Rochester Hills, Royal Oak, Southfield, South Lyon, Troy, Walled Lake, Waterford Township, West Bloomfield Township, White Lake Township, Wixom
Wayne County --Belleville, Brownstown Township, Canton Township, Dearborn, Dearborn Heights, Grosse Ile Township, Grosse Pointe Shores, Grosse Pointe Woods, Hamtramck, Inkster, Livonia, Northville Township, Plymouth, Redford Township, Riverview, Romulus, Taylor, Trenton, Wayne, Westland, Wyandotte.

Washtenaw County:
Ann Arbor, Bridgewater, Chelsea, Dexter, Manchester, Salem, Saline, Superior Township, Whitmore Lake, Whittaker, Willis, and Ypsilanti

For 20 Years All Waste has been the top Macomb County, Michigan Garbage Hauling, Trash Pick up, Dumpster and Roll-off Business

Now they work to Remove and Roll-off the Threat of Breast Cancer

Macomb, MI – In addition to being the leading service provider for trash removal in Michigan, All Waste prides them selves on being among the leading Michigan companies actively involved with their community. They donated dumpster service to the AIDS walk of Detroit and for the Super Bowl XL volunteer appreciation party

Now, they join the fight against breast cancer. In recognition of Breast Cancer National Awareness Month they have painted a selection their dumpsters pink and decorated them with pink ribbons. A portion of All Waste’s proceeds will be donated to research, working to find a cure for the disease.

All Waste was formed to provide our customers with an honest company with professional services at fair and competitive prices. Sherman Rogers, president of All Waste, started in 1988 with a single Mack truck and 12 roll-off dumpsters. They currently operate with an all-Mack fleet of 12 trucks and more than 500 dumpsters, servicing the greater metropolitan Detroit area, providing rubbish and trash removal for all sites including residential, construction, industrial and commercial.

Their radio dispatch units enable them to respond to our customers quickly and professionally for jobs like demolition, remodeling waste removal and basement cleanup, yard cleaning, appliance removal, trash and rubbish collection. For 20 years they have been the leaders in Michigan trash hauling and junk removal, demolition, remodeling waste removal, basement cleanup, appliance removal, trash collection and even yard cleaning. Now they’re working to clean up and haul away breast cancer.

Contact:
ALL WASTE, LLC
4751 22 Mile Road
Shelby Township, MI 48317-1515
Hours: 8:00am - 5:00pm Eastern Time
Monday - Friday (Excluding U.S. holidays)
Phone: 877-524-1002 Fax: 586-254-9936

Web site: http://thegarbageman.com/
Email: sherman@all-waste.com


All Waste services the following cities:

Macomb --Bruce Township, Center Line, Chesterfield Township, Clinton Township, Eastpointe, Fraser, Harrison Township, Lenox Township, Macomb Township, Mt. Clemens, New Baltimore, Ray Township, Roseville, Richmond ,Richmond Township, Shelby Charter Township, St. Clair Shores Sterling Heights, Utica, Warren,

Oakland County --Addison Township, Auburn Hills, Berkley, Beverly Hills, Bingham Farms, Birmingham, Bloomfield Township, Clawson, Commerce Township, Farmington, Farmington Hills, Ferndale, Franklin, Hazel Park, Highland Township, Holly, Holly Township, Huntington Woods, Independence Township, Keego Harbor, Lathrup Village, Lyon Township, Madison Heights, Milford, Milford Township, Northville, Novi, Oak Park, Oakland Township, Orchard Lake, Orion Township, Oxford Township, Pleasant Ridge, Pontiac, Rochester, Rochester Hills, Royal Oak, Southfield, South Lyon, Troy, Walled Lake, Waterford Township, West Bloomfield Township, White Lake Township, Wixom
Wayne County --Belleville, Brownstown Township, Canton Township, Dearborn, Dearborn Heights, Grosse Ile Township, Grosse Pointe Shores, Grosse Pointe Woods, Hamtramck, Inkster, Livonia, Northville Township, Plymouth, Redford Township, Riverview, Romulus, Taylor, Trenton, Wayne, Westland, Wyandotte.

Washtenaw County:
Ann Arbor, Bridgewater, Chelsea, Dexter, Manchester, Salem, Saline, Superior Township, Whitmore Lake, Whittaker, Willis, and Ypsilanti

Michigan Trash Hauler is Acknowledge for Difference He is making the Community

ALL WASTE Is the Name to Know In Construction Waste Management and The Community as Family Business Making a Difference.
Shelby Township, Mi. -- All Waste joins the battle against breast cancer and supports those who have been affected by the disease. In tribute to Breast Cancer National Awareness Month, All Waste has painted a selection of their dumpster's pink, along with adorning a pink ribbon, to pay homage to finding a cure. A portion of All Waste's proceeds will go to a research foundation that focuses on eradicating this disease during our lifetime.
As the #1 service provider in the waste industry, they provide large containment options for construction projects. They are a family owned business who places our customers first! ALL WASTE, LLC was started 1998 by Sherman Rogers. Today, they have radio dispatched units are available with 10, 20, 30, and 40 cubic foot yard rolloff containers. Compactor sales and services are also available,
They provide the following services: trash hauling, "trash removal, junk removal, trash hauling, hauling of trash, custom hauling, Michigan trash removal, rubbish, rubbish removal, waste management, remodeling, dumpster rental, trash, junk, Michigan junk removal, Michigan trash removal, dumpster, dumpster alternative, remodeling trash removal, waste, demolition, removal, basement cleanup, and Michigan dumpster rental" debris removal, hauling, Michigan waste management, rubbish, garbage, junk, waste, recycle, dump, yard cleaning, trash collection, junk removal, waste removal, garbage removal, rubbish removal, got junk, rubbish collection, appliances removal, and roll- offs.

Cites and counties serviced by ALL WASTE:

Macomb --Bruce Township, Center Line, Chesterfield Township, Clinton Township, Eastpointe,Fraser, Harrison Township, Lenox Township, Macomb Township, Mt. Clemens, New Baltimore, Ray Township, Roseville, Richmond ,Richmond Township, Shelby Charter Township, St. Clair Shores Sterling Heights, Utica, Warren,

Oakland County --Addison Township, Auburn Hills, Berkley, Beverly Hills, Bingham Farms, Birmingham, Bloomfield Township, Clawson, Commerce Township, Farmington, Farmington Hills, Ferndale, Franklin, Hazel Park, Highland Township, Holly, Holly Township, Huntington Woods, Independence Township, Keego Harbor, Lathrup Village, Lyon Township, Madison Heights, Milford, Milford Township, Northville, Novi, Oak Park, Oakland Township, Orchard Lake, Orion Township, Oxford Township, Pleasant Ridge, Pontiac, Rochester, Rochester Hills, Royal Oak, Southfield, South Lyon, Troy, Walled Lake, Waterford Township, West Bloomfield Township, White Lake Township, Wixom
Wayne County --Belleville, Brownstown Township, Canton Township, Dearborn, Dearborn Heights, Grosse Ile Township, Grosse Pointe Shores, Grosse Pointe Woods, Hamtramck, Inkster, Livonia, Northville Township, Plymouth, Redford Township, Riverview, Romulus, Taylor, Trenton, Wayne, Westland, Wyandotte.

Washtenaw County:
Ann Arbor, Bridgewater, Chelsea, Dexter, Manchester, Salem, Saline, Superior Township, Whitmore Lake, Whittaker, Willis, and Ypsilanti

ALL WASTE, LLC
4751 22 Mile Road
Shelby Township, MI 48317-1515
Hours: 8:00am - 5:00pm Eastern Time
Monday - Friday (Excluding U.S. holidays)
Phone: 877-524-1002 Fax: 586-254-9936
For service on Saturday call 248-640-5119
Sales: To discuss your specific needs call 877-524-1002 and please mention you found us via the web!

Web site: http://thegarbageman.com/
For product information, service inquiries or assistance: sherman@all-waste.com

Buying a Franchise? How to Buy One that’s Already Successful.

If you want to buy a franchise, don’t buy a new one – buy an existing location that is already operational and successful.

Can you test drive a franchise? Maybe not, but you can certainly ask questions when deciding which one to get into. Visit or call existing franchisees in the same system and see how they feel about the franchisor and the business requirements. Here are some questions you should ask:

Do you feel the franchisor can be trusted? Why or why not?
Are you happy with policies and procedures? If not, what would you change?
Do you feel you’re getting the advertising and marketing support you were promised?
Is the business and profits meeting your expectations?
How would you rate the franchisor?
Would you buy this franchise again, knowing what you know now?
What are the main problems of the business?
Do you believe it has the potential to grow? How?


Once you are satisfied with your research on the franchisor, find out all you can about how the franchise contract is structured. There are many items in a franchise agreement that an investor should understand. Here are a few:


Is the contract transferable or is the buyer required to enter into a new agreement at new terms and conditions with the franchisors?
Does the franchisor have the right of first refusal to buy the business? Typically, they do.
Are there restrictions from owning other franchises or even multiple locations? Some franchise contracts don’t allow you to own other businesses; you must devote your full time to that particular business. It may not even allow you to buy a second or third of that particular franchise.
Will the franchisor assist in the financing? Approval by the franchisor is very often required and you will incur the cost of going through the training before you can close the deal. The approval process can cost up to $3,000 - $5,000, and you can still be turned down. Be sure to understand how much of your time and money is at risk subject to approval from the franchisor.
Your due diligence is very important in researching the franchise. Investigate both the franchise and the franchisor and all issues related to the contract.

---------------------------------------------------------------------------------------------------------
Now I would like to share with you what a Billionaire once told a friend of mine. Who immediately put what he learned to use and went from Bankruptcy to Multi-Millionaire in just a few short years. Discover how to do that for yourself. Listen to the whole story here! ==> http://www.successinsiders.com/home.html

This article is derived from an interview between Lance Hood from SuccessInsiders.com and top business buying expert Richard Parker.

From Lance Hood – SuccessInsiders.com


Research, Investment, Buying Business, Business Brokers, Chambers of Commerce, Making Money, Wealth, Business Skills

Understanding the Role of Business Brokers when Purchasing a Business


Using business brokers to do the hard work can help at times, but they also have their drawbacks. There are some good services business brokers can provide, but don’t confuse using one with hiring one. Brokers don’t work for buyers; they either represent the seller or the deal. They are not trusted, unbiased advisors for the buyer unless they have been engaged by them exclusively and not being paid by the seller.

A common misconception about business brokers is that many relate to them as they would real estate agents. They go into the process thinking a business broker is going to deal with them as a buyer broker, as a real estate agent deals with a homebuyer.

Brokers can help you locate businesses, be a buffer between parties, and assist in putting the deal together. They will not represent your interest or negotiate you deal, or do your work. They will not take you to visit thirty businesses like a real estate agent will with houses.

With so many buyers and few sellers, brokers compete for getting as many listings as they can, good and bad. “There’s a buyer for every business”, in their mind, so business brokerage is a quantity, not a quality oriented business. About 90% of the listings online are controlled by brokers. Business brokers only sell about 4% of the small businesses that change hands each year. They’ll often represent selling more, but studies have shown the number closer to 4%. Eighty percent of online listings never sell.

To get a broker to point out the best businesses for you, it is important to demonstrate to a broker that you are serious about buying a business and you’re ready to buy immediately, should the right opportunity present itself. A business broker’s only asset is their time; they do not want to waste it. They leverage their time most effectively with having many listings and being able to sell them quickly. Impress the broker as a serious buyer to get them to choose you, over hundreds of other buyers, to show the premium listings to.

---------------------------------------------------------------------------------------------------------
Now I would like to share with you what a Billionaire once told a friend of mine. Who immediately put what he learned to use and went from Bankruptcy to Multi-Millionaire in just a few short years. Discover how to do that for yourself. Listen to the whole story here! ==> http://www.successinsiders.com/home.html

This article is derived from an interview between Lance Hood from SuccessInsiders.com and top business buying expert Richard Parker.

From Lance Hood – SuccessInsiders.com



Research, Investment, Buying Business, Business Brokers, Chambers of Commerce, Making Money, Wealth, Business Skills

Points to Ponder when Choosing a Business Broker


Communication and feedback is important within a relationship with a business broker. A good broker will at least respond to all offers and inquiries quickly to show they are serious. Proper business courtesy demonstrates a professional attitude and that they are serious and committed. Another thing to look for is the level of detail in their business profiles.

There is a lot of information to consider when making an offer on a business opportunity listing, including the business’s strengths, weaknesses, opportunities, marketplace, competitors, legal issues and background. When a broker responds to your inquiry with a one-page description of the business, and does not have much more data or backup to provide to you, you know this broker isn’t going to be the most effective to work with. This shows how little they care to know about their listings. This is one reason why 80% of businesses listed do not sell.

A good broker will do all they can to insure the business will sell quickly if they are doing the seller a good service. They will understand that the seller has to keep running the company as if it is not going to sell. If the seller is forced to focus too much attention on the sale, they will find their business declining. With this in mind, a good broker will provide a good service to the buyer as well, when they care to know enough details about the business to present to an inquiring buyer even though they often represent and are paid by the seller.

There are three important issues to discuss with business brokers:

Ask them to walk you through their process of working with a buyer
Ask if they co-broker deals of if the simply sell their own listings
Ask what is the typical deal structure of their deals

Their answer to the typical deal structure of their deals is an indicator as to how effective they will be as a broker. If they simply answer, “mostly cash,” they are either “bluffing” or not selling enough businesses. If they answer “mostly third-party financing through a bank,” wrong answer, again; only about 6% of deals are financed that way. How about the broker who answers “Most of my deals contain some element of seller financing, creative financing, or creative deal structure.” This would be the broker to deal with. This one clearly understands that every deal is unique and they know how to massage the deal to a successful closing.

--------------------------------------------------------------------------------------------------------
Now I would like to share with you what a Billionaire once told a friend of mine. Who immediately put what he learned to use and went from Bankruptcy to Multi-Millionaire in just a few short years. Discover how to do that for yourself. Listen to the whole story here! ==> http://www.successinsiders.com/home.html

This article is derived from an interview between Lance Hood from SuccessInsiders.com and top business buying expert Richard Parker.

From Lance Hood – SuccessInsiders.com


Research, Investment, Buying Business, Business Brokers, Chambers of Commerce, Making Money, Wealth, Business Skills

Your Time is Precious – Don’t Waste it When hen Searching for a Business to Buy

There are several areas where people commonly waste time searching for the right business to buy. Keep two things in mind when buying a business; there are many more buyers in the market than businesses to be sold and the good businesses sell fast. The biggest competition comes from other buyers; therefore, you need to act quickly on a good opportunity.

There are five typical issues that cause people to waste time:

Turning the search into a looking process rather than a buying process -The Internet is the best and the worst thing to ever happen to the business for sale marketplace. The best because of the abundance of businesses listed and the worst because it leads you to click, click, click to look at them all. We’re too quick to move on to what we think can be a more promising deal to digest the information and make an effective inquiry.

Fear of making an inquiry - It doesn’t cost you anything and you’re not going to do anything wrong. You’re just looking for additional information and making inquiries.

Apprehension about making offers due to missing information - For example, maybe you don’t know all the financial details reported by the business, which could affect your offer. On the other hand, you are worried about losing the opportunity. So make the offer with protective clauses to allow you to back out of the deal and be fully protected.

Letting others dictate the rules - Don’t be bullied by brokers; this is your money, your future, and you are the boss; be in control.

Looking for the Perfect Business - You won’t find it; they all have their drawbacks. It’s up to you to select one which your strengths will be a valuable asset to make the undervalued business and valuable business.

Cut down on the search time to be better spent on improving and growing your new business. Focus on the goal and stick to the plan and move forward.

---------------------------------------------------------------------------------------------------------
Now I would like to share with you what a Billionaire once told a friend of mine. Who immediately put what he learned to use and went from Bankruptcy to Multi-Millionaire in just a few short years. Discover how to do that for yourself. Listen to the whole story here! ==> http://www.successinsiders.com/home.html

This article is derived from an interview between Lance Hood from SuccessInsiders.com and top business buying expert Richard Parker.

From Lance Hood – SuccessInsiders.com




Research, Investment, Buying Businesses, Business Brokers, Chambers of Commerce, Making Money, Building Wealth, Business Skills

Resources for Choosing and Researching the Right Type of Business to Buy

Manufacturing, service, retail, wholesale and the internet businesses all have different values. There are software programs available for determining value and helping to speed up the process of researching and analyzing businesses.

Through a good valuation program and interactive software containing legal agreements, templates and sample letters of solicitations you can cut the average business purchasing time by 70%. These time-saving materials can also be a savings on fees charged by attorneys and accountants. Of course you must use an attorney and accountant, but you can save a lot on their fees.

You can use solicitation letters to find businesses that are not currently on the market. The one we use generates as high as a 40% response rate. Follow up letters to send to sellers, forms, logs and checklists, and other interactive resources provide templates for doing your research.

It is important that the area of business you choose to purchase meets certain criteria about you and your needs. Choose business that will benefit from your strengths, while they do not suffer from your weaknesses. One common mistake made by many is turning a hobby into a business. This is a bad choice because their prejudices of the hobby can have an adverse effect on the business. The definition of a good business is one that has a good fit, has the opportunity to grow, make plenty of money and be enjoyable to run.

The resources are endless when considering the purchase of a business. The Internet, business brokers, classified sections, attorneys, accountants, Chambers of Commerce but most of all people are the best resources. Attend workshops and seminars; learn by networking with others who have businesses and get the word out that you are looking to purchase a business.

---------------------------------------------------------------------------------------------------------
Now I would like to share with you what a Billionaire once told a friend of mine. Who immediately put what he learned to use and went from Bankruptcy to Multi-Millionaire in just a few short years. Discover how to do that for yourself. Listen to the whole story here! ==> http://www.successinsiders.com/home.html

This article is derived from an interview between Lance Hood from SuccessInsiders.com and top business buying expert Richard Parker.

From Lance Hood – SuccessInsiders.com



Research, Investment, Buying Business, Business Brokers, Chambers of Commerce, Making Money, Wealth, Business Skills