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5 Home Office Essentials
Once you've settled into the idea of running a business from home you need to make a choice. What type of office setup do you need? It's beyond the scope of this article to detail each and every item required for the perfect home office. Instead...
REMEMBER TO THINK PINK
When it comes to influential people of the business world, the names that come to mind include Carnegie, Rockafeller, Ford, Gates and others. Their life stories are worth looking into just to see where they came from and how they got to where they...
Revenge of the Sith – Creativity and Structure
The common belief is that lack of structure and randomness enhances creative output, whereas in truth, creativity is enhanced when it is organised, systematic and based on highly structured processes. This article will use Episode III of the Star...
Six Lessons for Getting in the “Right Mindset” For Starting Your Own Business
Believe it or not your childhood attitude towards a fence shapes your business mindset. As you’ll learn from my experience starting a business, having the right mindset is the key to being an entrepreneur. It’s all about being a fence hopper...
What Are Your Priorities?
"The indispensable first step to getting the things you want out of life is this: decide what you want." -Ben Stein At the end of every Winter as warm weather and sunshine approach I find myself keenly aware of where I'd like to be spending my...
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How to Build Business Credit Despite Your Personal Credit
Business credit is more of a science than an art. The first rule for this science is that it is not the same as personal credit.
Many would-be and aspiring business owners are not aware that establishing credit for a business is just as important as establishing personal credit. They also do not realize that a business can have a credit score separate from their personal credit score.
There is a world out there designed specifically for the business entity with a whole set of different rules.
Many entrepreneurs start out accumulating excessive personal debt to finance a business. Within a few months or even years, they find that the business is a monster and needs more food, also known as financing.
With credit cards maxxed to the limit, business owners find themselves in a crunch and searching for ways to raise capital. This is difficult to do when the time is not taken to establish business credit first. Business credit is a crucial first step and foundation to build upon.
First, a business is not real. It really doesn't exist until legal steps and processes are completed to say that it does exist. PEOPLE create businesses that have not been tested, employed or ever earned a paycheck. So, when you start a business and begin looking for financing, the bank WILL ALWAYS look at your credit because they can touch you (and your job, and your car, and your house...). You have a history. Your business does not.
They will pull YOUR credit report. Not the business. And do you know why? Because you have not
established a business credit profile separate from your personal credit profile.
Can this be done? How does a business establish a credit profile separate from your personal credit profile?
There is a credit system that will help you:
1. Lease vehicles like Lexus or Lamborghini, with added tax benefits.
2. Get a business line of credit or Small Business Loan or Business Credit Card for expanded Advertising, Inventory and other expansions your competitors can't get.
3. Invest in large projects like Commercial Property or Land or Construction that your personal credit isn't enough to guarantee.
4. Protect your personal assets from that of the business by not having to sign, no personal guarantee.
5. Start over with a new credit file if you need to, instead of just being stuck with your personal credit report
Start new businesses you always wanted to start with Business Loans.
6. Separate your personal credit from your new shiny business credit profile
7. Get a new credit report for every business you start. Establish business credit that's good even if you have poor personal credit (it's true!)
Anyone who wants to establish a REAL BUSINESS, with CREDIBILITY that's bankable ought to establish business credit.
About the Author
Karen L. Hardy, MSBA is a certified Business Finance Consultant, real estate investor and motivational speaker. To establish credit for your business, go to
http://www.destinycapitalfunding.com/business_credit_builder_program.htm
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| Motivation - Wikipedia, the free encyclopedia |
| Article giving an overview of the concept. Includes history, information on human psychological drives, and applications in business and education. |
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| GENERAL PRINCIPLES OF MOTIVATION |
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| Teambuilding Inc. Article - Team Motivation |
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