جنسی طاقت اور قوت باہ کے لئے لہسن بہت مشہور ہے۔ کسی بھی وجہ سے زائل ہو جانے والی جنسی طاقت کی بحاالی کے لئے یہ ایک ٹانک ہے۔ کثرت جماع یا عیاشی کی وجہ سے پیدا ہونے والی جنسی کمزوری اور نامردی کا بہترین علاج ہے کہ یہ خصوصی طور پر اعصابی تنائو کا شکار ہونے والے اور جنسی قوت کی کمی کے شا کی بڑی عمر کے مردوں کے لئے اکسیر ہے
money magic , love magic,دیسی نسخے
quick response money magic spell ,,love magic spell free free free free free free free
Wednesday, 1 June 2011
گاجر
گاجر
گاجر کا حلوہ کھانے سے قوت باہ میں اضافہ ہوتا ہے۔
مقوی اعضائے رئیسہ ہے۔
مادہ تولید کو گاڑھا کرتی ہے اور اس سے پیشاب کھل کر آتا ہے۔
یرقان والوں کے لئے ،گاجر کا جوس مصری ملا کر آدھا گلاس ایک ہفتہ تک پلانا یقینا فائدہ دیتا ہے۔
گاجر چہرے کا رنگ نکھارتی ہے اورحسن پیدا کرتی ہیں۔ Saturday, 28 May 2011
Thursday, 26 May 2011
Wednesday, 25 May 2011
شوگرختم کرنےکابہترین نسخہ
شوگرختم کرنےکابہترین نسخہ
گہوکاآٹا=100گرام
گدند=100گرام
جو=100گرام
کلونجی=100گرام
دوا تیارکرنے کا طریقہ
چاروں چیزوں کوکسی برتن میں ڈال کر اس میں پانچ کپ پانی ڈالیں
پھر اسےدس منٹ تک آگ پر جوش دیں
پھر خودبخد ٹھنڈا ہونےدیں
اب اسے چھان لیں اوربچے ہوے پانی کو رکھیں
طریقہ استمال:
شوگر کا مریض صبح ناشتے سے پہلے نہار منہ چاے کی چھوٹی پیالی سات دن مسلسل پیے
7(سات)دن کے بعدایک ہفتہ ایک دن پیے اور ایک دن ناغہ کرے
ایک ہفتہ
گزنے کے بعد دوا کا اسستعمال بند کر دے اور پھر جو دل چاہے کھایا کرے نقصان نہی ہو گا انشاءاللہ
Saturday, 21 May 2011
مردانہ طاقت کا نسخہ
نسخہ : امساک
بوپھلی50گرام ، سنکھاہولی50گرام
کمرکس50گرام ، موچرس50گرام
تیاری
تمام ادویات کا سفوف
کمرکس50گرام ، موچرس50گرام
تیاری
تمام ادویات کا سفوف
: مقدارخوراک:2گرام،صبح نہار منہ،2گرام شام پاچ بجے نہار منہ ہمراہ نیم گرم دودھ
فوائد= سرعت انزال جیسی مرص کرتی ہے . ۔
مردانہ طاقت اور طبعی امساک پیدا کرتی ہےنسخہ الشفاء:
ناریل60گرام،چھوہارہ بغیر گٹھلی60گرام،کشمش60گرام،مغزاخروٹ60گرام
مغز پستہ60گرام،مغزبادام60گرام،چینی60گرام
تیاری:
تمام کو پیس کررکھ لیں
مقدار خوراک:
بارہ گرام صبح و شام نہار منہ ہمراہ نیم گرم دودھ ایک گلاس
فوائد:
جسم کی سوئی ہوئی قوتوں کو بیدار کرتا ہے جسمانی طاقت اور قوت باہ بڑھاتا ہے
مادہ تولید پیدا کرتا ہے بے اولادوں کے اولاد پیدا کرتا ہے مرد و عورت دونوں کے لیے
مفید ہےعورت ڈھیلے ڈھالے جسم کو خوبصورت سمارٹ جوان بنا دیتا ہے . ہر موسم میں استعمال کر سکتے ہیں دس دن استعمال کر کے تین دن ناغہ
کریں پھر استعمال کریں اسی طرح ایک ماہ استعمال کافی ہے ایک ماہ کے وقفے کےبعد پھر
استعمال کرسکتے ہیں...!http://kitab-sos.blogspot.com/2011_04_01_archive.html
کافور1گرام, سہاگہ1گرام، لونگ12عدد، سیاہ مرچ16عدد،
سب کوخوب باریک کرکے تھوڑاپانی ڈال کر چنے برابر گولیاں بنا لیں.
طریقہ استعمال: روزانہ ایک گولی تین قطرے پانی میں حل کرکے عضو تناسل پر
دس دن طلاء کریں :::::فوائد:عضو تناسل میں مظبوطی پیدا کرتاہے اور موٹائی بھی کرتا ہے
http://kitab-sos.blogspot.com/2011_04_01_archive.html
نسخہ :فلفل دراز10گرام،فلفل سیاہ10گرام،فلفل سفید10گرام،خوب باریک پیس کرپاؤڈربنالیں
کسی پنساری کی دوکان سے مربہ سونٹھ کا شیرہ 100گرام لے لیں سفوف شیرہ میں اچھی طرح
ملائیں پیسٹ سی بن جائے گی پھر کسی شیشی میں ڈال کر رکھیں
طریقہ استعمال::رات سوتے وقت تھوڑا سا پیسٹ اگلا اور نیچے والا حصہ چھوڑ کر عضوخا ص
پر لگائیں اُوپرکپڑے کی پٹی لپیٹ لیں اگر عضو خا ص پر دانے نکل آئیں تو دو دن کاوقفہ دے
لیں اور عضو خا ص پر دیسی گھی رات کو لگا لیا کریں پھر دودن بعد طلاء کریں اسی طر ح
پندرہ یوم عمل کریں
فوائد::عضو خا ص کے کھجی لاغری ٹیڑھاپن اور تمام نقائص دور ہوں گے سختی و قوت پیدا
ہو گی بڑے بڑے مہنگے طلاؤں سے بہتر سستا علاج ہےطلاء پیاز
سفید پیازیاں سرخ کو کوٹ پیس کر 5گرام عضو خاص پر رات کو لگا کراُوپرکپڑے کی پٹی
باندھ لیں صبح دھولیں متواتر ایک ہفتہ تک لگا نے سے سختی و شدت حاصل ہوتی ہے
مقوی باہ
مقوی باہ
ادرک ایک تولہ نکچھکنی 9 ماشہ، شیر گاؤ آدھا سیر میں جوش دے کر رات کو پی لیں اور اسی طرح روز عمل کریں۔ مقاربت یعنی ہم بستری سے پرہیز نہایت
ضروری ہے۔
عورت کی فرج تنگ اور کنواری لڑکیوں جیسی کرنا
مغراخروٹ 10گرام،پانی میں پیس لیں ململ کے کپڑے کی انگلی جیسی پوٹلی بنا کر فرج میں رکھیں چار گھنٹے روزانہ اسی
طرح دس دن یہ عمل کریں عورت کنواری جیسی بن جائے گی
موچرس لے کر باریک سفوف کرلیں ململ کے کپڑے کی انگلی جیسی پوٹلی بنا لیں اس میں
باریک شدہ موچرس 3گرام ڈالدیں پھر یہ پوٹلی عورت کی فرج میں رکھ دیں 4گھنٹے کیلیے
اسی طرح دس دن یہ عمل کریں 100% عورت کنواری جیسی بن جائے گی اور لیکوریا جیسا
مرض بھی چاہے جتنا پرانا ہو جڑ سے ختم ہو جاے گا
آملہ خشک50گرام،پھٹکڑی20گرام کھل کی ہوئی دو کلو پانی میں پکائیں پانی جب ایک کلو
رہ جائے چھان کر رکھ لیں عورت اگر اس پانی سے دن میں تین بار اپنی فرج کو دھوئے
تو تنگ اور کنواری لڑکیوں جیسی ہو جاتی ہے یہ عمل پندرہ یوم کرنا چاہیے
Tuesday, 12 April 2011
small business ideas
7 Ways of Getting Your Customers to Say 'Wow'!
Just imagine. You have walked out of a shop or put down the phone after purchasing something and your immediate reaction is 'Wow!' How do you feel? Excited; satisfied; fulfilled ... eager to return and buy again?
Wouldn't it be great if you could get your customers to feel the same way about dealing with you?
Lots of small business owners (and not so small!) seem to think that the customer is merely an interference. But how can you get your customers all pumped up and ready to do business with you again? I'll share some tips on exactly how you can get a 'Wow!' response and show how it can positively impact your bottom line.
Get promising
These days too many businesses seem reluctant to commit to anything. As a result, you walk away with a nagging doubt that nothing is going to happen and so the whole experience is not pleasant. What a refreshing change to get a business that provides a firm promise on dates and times or opening hours. Can you provide a clear promise to your customers? Have a think about each aspect of your business and highlight all your 'promisables' in your sales and marketing stuff. One great tip - under promise and over deliver. Promise delivery in 7 days, knowing you can do it in 3 days. When the goods arrived 4 days before expected, that's a 'Wow' factor if ever there was one!
Important point - if you can't deliver it, don't promise it!
Be a Tigger
Remember Tigger from Winnie the Pooh? He's all over the place; bouncing up and down with endless energy and enthusiasm. He just leaves his friends breathless! What a great person to be with and do business with. Are you enthusiastic when you speak and deal with your customers? Are your staff brimming with enthusiasm? If you can't project an image which says "I�m happy to be here", how can you expect your customers to feel different? So, have a Tigger day every day!
First impressions
If you have a shop or office where customers visit you, what do your premises say about your business? Is it modern, fresh-looking, clean and tidy? Or is it worn, tired and generally looking run down? Like it or not, customers will judge you on what they see. They may say 'Wow' but for all the wrong reasons!
A pot of paint and a splash of colour can make all the difference and it doesn�t have to cost the earth (these DIY programmes have a lot to answer for!).
Be a problem solver
Despite all businesses believing they have great customer service, the fact is that the majority don't. The main reason is that when people complain, most feel that they have not been listened to and their problem has not been solved. Be a solver of problems - quickly and efficiently. A motto - 'Resolve to solve'.
Be their friend
I don't know about you, but I am a sucker for business owners who take their time to know me and recognise me when I next call or visit! The bond and the desire to do more business with those types of entrepreneurs, is strong for me. Do you take time to build a relationship with all your key clients? Do you go out of your way to greet them when they next do business? As the saying goes, aim to turn strangers into friends and friends in to customers.
Value for money
In this day and age of new technology, and the hefty prices that go with it, the concept of giving great value is sometimes forgotten. Creating a 'Wow' moment can be as simple as giving a little bit extra, something unexpected. It doesn't have to be of huge value, it's genuinely the thought that counts. However, don't restrict this idea just to price. Price on its own may not work, it has to be tied in with something else - 2 for 1, a small gift etc.
The quality of your product must also reflect value for money. Don't try and pass off an inferior product with a superior price - you'll again create the wrong type of 'Wow' moment! Medium price and great quality - a definite, positive 'Wow'.
Call them
The real killer 'Wow' is calling your customer a few days after he has bought. Asking him if the product is fine, whether it does what he wanted it to do, is one sure way of stopping him in his tracks! If everything is great, then you have a customer for life. If there is a problem, wonderful; you have the opportunity to put it right and ... have a customer for life. This is a very simple and powerful way of creating 'Wow'.
So that's it. If you follow theses simple ideas, all your customers will be saying 'Wow' and they will be coming back time and time again. Who knows, they may even tell their friends? Take some time to review these tips and see how you can apply them in your business.
Loyalty - The Key to Business Success
Talk to many business people about how they approach customer service and the majority of them will say that they are aiming to have 'satisfied' customers. No! What we all should be seeking is to have loyal customers.
Research has shown that 65% of customers say they are loyal. You may be happy with this but you shouldn't! Satisfied customers are in a state of nothing - they are neither dissatisfied or happy; they are in between. They will tolerate you while you are of use to them but if a better deal comes along, they're off.
On the other hand, loyal customers are your friends. They will be with you through thick and thin; they will be the first to try out you new product; they willing give you honest feedback; they will regularly refer business to you. This is what you want! But how can you turn a satisfied customer into a loyal one?
Let Them Decide How to Do Business With You
Today customers are a lot more sophisticated in how they want to do business. If your product or service lends itself to be offered via a number of different means, then give your customer the option.
Can you deliver face-to-face? What about telephone services? Could you make use of SMS texts for quick notes and reminders? Do you have a web site through which customers can contact you or even make orders on-line? If you provide a variety of delivery channels which are available to suit the customer's needs then they are more likely to stay with you.
Build a Relationship
Loyalty can only be achieved if you have a true relationship with your customer. Aim to build rapport. Understand who are dealing with and understand what they are looking for. Keep in regular contact with them; you don't necessarily have to be selling something. Always use their names, especially their first name if you can.
All of this will help in building a long term relationship. Once you have this, they are less likely to walk away.
Generate Staff Loyalty
How can you cultivate a loyal customer if your staff are not loyal to the business? You must have staff who care for the job and will do anything to protect and move the business forward. Customers will be more loyal if they see familiar faces. A business with a high staff turnover will find it difficult to build a relationship with their customers.
Treat your staff well. Reward their successes and recognise their achievements. Hold regular training sessions so they feel that they are learning and developing. An established training programme will also make sure that their product knowledge is up to date.
Seek Out Complaints
This sound strange but the average customer has to be encouraged to complain! Many will keep quiet about poor service but if they can find someone else to do their business with, they will. Set up a clear complaints procedure so customers can complain if they wish. Provide staff with the tools to effectively deal with customer problems. Follow up all complaints to ensure that they have been resolved.
Take an Interest
Show your customers that you are interested in their views. Run regular surveys to find out what they think of your service, to find out what you can do differently. You can either carry out a survey over the telephone, or go as far as doing a mailing to all your customers.
Taking the trouble to contact your customers will reinforce the message that you want their custom. But don't forget - take action on what you find out!
Be a 'Can Do' Business
Customers like nothing better than a business which delivers on even the most difficult of requests. 'Can Do' businesses will always have loyal customers. Train your staff to never use words like, "Sorry but ...", "It�s not my fault", "It�s company policy".
Be a business where solutions are always looked for and problems seen as challenges.
Look After The Golden Customers
The old 80/20 is likely to apply to your business - 80% of your sales or profits are likely to come from just 20% of your customers. Work out who your top 20% is and love them to death! Why not concentrate on turning the remaining 80% into loyal customers? Well, the 20% have already shown that they trust and respect you. A little more effort with these customers will reap more business than concentrating on the 'maybe's'. By all means, run a programme to convert the 'maybe's' but put more effort into the converted.
So, there you have it. Some ideas and tips on how to build and keep loyal customers. Take a critical look at your business and put a loyalty building programme in place, which will boost sales and profits.
Once you have decided, check what are the franchises available that relates to your field of expertise and make a list of it so you could narrow down our choices.
Make a comprehensive assessment of the list you have created. Scrutinize carefully each aspect of the business and ask the franchisor for a detailed information regarding the enterprise. It is better if you take down notes on the areas that you need further explanation. Do not hesitate to raise up your concerns and demand for concrete answers that are based on facts. Remember that the franchise owner would only highlight their business’ strengths and would hide their flaws as much as they can.
Reputation is one aspect that determines the success of the franchise. Normally, customers settle for something that has proven its worth rather than take the risk and try those with no names. However, you should focus on the financial condition. Conduct a meticulous research regarding the company’s financial status. A detailed and latest report of its past operations within three years would be better. Furthermore, ask for a concise representation on the company’s future plans to ensure the stability of the enterprise, despite the inevitable occurrence of unexpected consequences.
http://www.smallscalebusiness.com/
How to Buy a Franchise
If investing in an existing business does not suit you and starting your own line of enterprise also still does not sound good, then buying a franchise might just be your best option. Franchising has its own advantage and disadvantages, and it needs careful and thorough investigation before you raise the green flag. Ponder on the following guidelines if you plan to buy a franchise. Have a clear picture on what kind of enterprise you want to venture in. Something that suits your passion and interest would be a better choice.Once you have decided, check what are the franchises available that relates to your field of expertise and make a list of it so you could narrow down our choices.
Make a comprehensive assessment of the list you have created. Scrutinize carefully each aspect of the business and ask the franchisor for a detailed information regarding the enterprise. It is better if you take down notes on the areas that you need further explanation. Do not hesitate to raise up your concerns and demand for concrete answers that are based on facts. Remember that the franchise owner would only highlight their business’ strengths and would hide their flaws as much as they can.
Reputation is one aspect that determines the success of the franchise. Normally, customers settle for something that has proven its worth rather than take the risk and try those with no names. However, you should focus on the financial condition. Conduct a meticulous research regarding the company’s financial status. A detailed and latest report of its past operations within three years would be better. Furthermore, ask for a concise representation on the company’s future plans to ensure the stability of the enterprise, despite the inevitable occurrence of unexpected consequences.
http://www.smallscalebusiness.com/
How to be a Weekend Entrepreneur
A weekend entrepreneur is basically someone who earns extra cash aside from his job by engaging into a money-making activity. Just like the rest of the entrepreneurs who wants nothing, but the assurance of a successful business, you should create an effective business strategy as well to ensure your business’ favorable outcome. You should have intensive comprehension on the essential keys that facilitate profit maximization while minimizing the risk of loss. Most weekend entrepreneurs sells craft related products and other artistry merchandise that is why it is important to be always updated on the upcoming craft exihibits and other relate bazaars in your area. Trade shows are perfect opportunity for higher sales as it attracts more people to participate in the said affair and this means greater possibility for a higher sales. However, your product should be competitive enough regarding of quality and most especially the price, so that you will stand out among the rest of your competitors and to draw more attention of potential customers as well.Aside from these trade shows, weekend entrepreneurs can also take advantage of a specialty vendor cart. Most shopping centers offer carts that are for rent in short periods. Aside from the convenience, rented carts also come in cheap and this just means that weekend entrepereneurs can maximize their profit. Apart from the possible approaches mentioned above, these businessmen can also display and sell their products in associated events such as auctions, county bazaars, craft malls, gift shows, carnivals and swap meets, night markets and ohter charitable events that they can relate their products with.
The very first thing you need to do before you engage in this kind of business is to have a concrete plan on what to sell. Start by visiting ongoing bazaars and check the flow of the market as well as the demands of the customers. Investigate on what the customers want and what age groups are usually attending whether they are mostly women or men, professionals or mothers, senior citizens or kids. This will give you an idea on how to promote your product and gain that edge among your competitors.
http://www.smallscalebusiness.com/
small business loans
Business Loans for All Credit Scores
Where is the best place to borrow money? What kind of loan terms will I qualify for? Will my loan be denied? What can I do to enhance my chances for loan approval?
These are some of the most common questions that most business owners have asked me over the years. The worst part is that more than 98% of these same business owners told me they felt their only resources were their local banks or credit cards (secured with personal guarantees). And, most of their local banks even required them to pledge their personal homes & land as collateral.
Like most of these business owners, you've probably already gotten to the point... where you need money FAST! So, here's some common sense advice that can save your business, regardless of your personal credit history.
First of all, getting approved for a small business loan is definitely easier than getting personal loans... regardless of your personal credit scores. Additionally, getting the right types of corporate credit is absolutely critical: if you want to protect your personal assets, minimize the risk of a personal lawsuit affecting your business, and to your ability to weather the economic changes that happen overnight.
All business owners must be much more proactive about developing relationships with the right types of lending institutions. You usually want to start your application process with out-of-state, national lenders... not your local or regional banking institutions. National lenders typically won't require a personal guarantee or your social security number.
I've attached a basic roadmap you'll need to follow, if you need a small business startup loan, a business debt consolidation loan, a bad credit business loan, or a government business loan.
Ultimately, you need to find a competent professional that can help you navigate through the process of building a strong corporate credit rating.
Finding a competent business loan expert will give you a head start on your competition & also let you focus on running your day-to-day activities... instead of dealing with the hassles of establishing a strong business credit rating. An excellent business credit score can help your company's image, overnight.
You need to be able to answer all of these very basic questions, before you apply for any business credit.
1. How is your business structured? Is it a sole proprietorship, C-corporation, S-Corporation, Limited-Liability Corporation (LLC), Partnership, or Trust?
2. How long has your business been recognized by your State & Local government?
3. Has your company ever had derogatory information reported against it to either of the two (2) most popular business credit reporting agencies, Dun & Bradstreet or Experian?
4. Are your company permits, licenses and registrations current?
5. Does your business have a physical address, or are you trying to use a U.S. Post Office Box instead?
6. Is your business telephone number recognized by directory assistance?
7. Are your incoming telephone calls professionally answered in your business name?
8. Have you established a business checking account?
9. Have you registered & asked for an Employer Identification Number (also known as an EIN) from the IRS?
If your answer to the first question was a sole proprietorship, partnership or trust; I urge you to re-establish your company as a corporation or LLC. I'm not going to provide you with legal advice, but many CPAs and attorneys highly recommend LLCs (Limited Liability Corporations) as a way of protecting your personal assets & estate... in the event of any lawsuits being filed against your company.
As a sole proprietor, your personal assets are at direct risk of seizure or forfeiture when faced with most types of legal action. Additionally, if you are applying for business loans in a corporation's name... most lending institutions will not require you to provide any personal guarantee!
A corporation can still face difficulties applying for business credit, if it has been in business less than 2 years or had previous credit problems reported against it. Here are some ways to fix these problems.
- Purchasing a "shelf corporation" or "aged corporation" that's been in good standing with your State government (for longer than 2 years) can drastically improve your chances for small business loan approval.
- You can attempt to repair your business credit rating by writing dispute letters to Experian or Dun & Bradstreet, which isn't always possible.
- Some corporate credit experts will help you find, select & purchase an established "shelf" or "aged" corporation, some of which already have strong credit ratings established... saving you alot of hassles!
I cannot stress this enough... you MUST have a physical address (not a PO Box) if you want to establish a solid business credit rating. The same thing is said for telephone numbers & the way incoming phone calls are handled. Would you lend money to a company that does not appear to have a physical address or documented telephone number?
And, don't forget to always keep your small business permits, licenses & registrations current... and always keep copies of these documents in case a potential lender asks for this information.
Business checking accounts are a must. Again, this proves stability to your potential lenders. Here are a couple of tips for you, in case you've had any checking accounts closed by a financial institution. Pay off the outstanding balance (if any) that's being reported by the bank, or open a checking account at a bank or credit union that doesn't use the ChexSystems credit reporting system. Most credit unions don't use ChexSystems, and you can always find a list of banking institutions in your area that don't use ChexSystems... by simply doing a search on Google, Yahoo or MSN.
Small business credit ratings are tracked using your business name, business address and employer identification number (EIN). You can apply for & receive an EIN at the IRS's website (irs.gov). You can also call the IRS, but be prepared for long waits.
Then you'll want to obtain a D-U-N-S number from Dun & Bradstreet, the largest business credit reporting agency. You can apply for this without any fees at Dun & Bradstreet's website (dnb.com), and you'll usually receive this number within thirty (30) days. Do not apply for this number until you've prepared your self thoroughly, because any information you give to them... goes into your credit file... permanently.
After you've obtained your D-U-N-S number, you're probably ready to start establishing some vendor credit. Vendor credit is where many business owners start establishing business credit ratings. Then, you'll also need to fax your business telephone bill & the credit application to them... on your business letterhead (which you can create using your favorite word processing software if you don't have expensive stationery). They usually don't require any personal guarantees (if you've followed the outline above), and you'll usually receive a starting credit line of $750.
This is critical & I repeat... critical! Always pay your invoices before the grace periods begin... especially on unsecured credit cards or vendor credit lines. Dun & Bradstreet will lower your credit score for every day a creditor reports your bill as unpaid while you're within your grace period. Whereas, personal credit scores are not lowered unless you are 30+ days past your due date.
Dun & Bradstreet reports what's known as a Paydex score (your corporate credit score), and a score of 80 is very good... with 100 being the highest score you can achieve. Your Paydex score is issued once you've established a known vendor/credit relationship with at least five (5) creditors.
There are shortcuts that will help you get much more than $750 alot faster. When using a business credit expert, most small business owners (even startups) can be approved for vendor credit lines of $25,000-$50,000 and open credit lines of $50,000, $250,000, $500,000 or more... in as little as 45-60 days... by using their knowledge of the application process & "shelf" corporations.
Now, it's your choice. Are you going to go against the grain & try to establish business credit on your own (which could prove costly to your business health, growth & survival)? Or, will you choose to utilize a corporate credit expert... allowing you to remain focused on your daily business needs?
Most business owners make the mistake of trying to do this on their own... usually trying to find grants, investor "angel" money, or falling back onto the "personal credit card sword". Don't be a casualty like the rest. Learn more about how you can use the tools that informed, educated millionaire businessmen have used for years.
These are some of the most common questions that most business owners have asked me over the years. The worst part is that more than 98% of these same business owners told me they felt their only resources were their local banks or credit cards (secured with personal guarantees). And, most of their local banks even required them to pledge their personal homes & land as collateral.
Like most of these business owners, you've probably already gotten to the point... where you need money FAST! So, here's some common sense advice that can save your business, regardless of your personal credit history.
First of all, getting approved for a small business loan is definitely easier than getting personal loans... regardless of your personal credit scores. Additionally, getting the right types of corporate credit is absolutely critical: if you want to protect your personal assets, minimize the risk of a personal lawsuit affecting your business, and to your ability to weather the economic changes that happen overnight.
All business owners must be much more proactive about developing relationships with the right types of lending institutions. You usually want to start your application process with out-of-state, national lenders... not your local or regional banking institutions. National lenders typically won't require a personal guarantee or your social security number.
I've attached a basic roadmap you'll need to follow, if you need a small business startup loan, a business debt consolidation loan, a bad credit business loan, or a government business loan.
Ultimately, you need to find a competent professional that can help you navigate through the process of building a strong corporate credit rating.
Finding a competent business loan expert will give you a head start on your competition & also let you focus on running your day-to-day activities... instead of dealing with the hassles of establishing a strong business credit rating. An excellent business credit score can help your company's image, overnight.
You need to be able to answer all of these very basic questions, before you apply for any business credit.
1. How is your business structured? Is it a sole proprietorship, C-corporation, S-Corporation, Limited-Liability Corporation (LLC), Partnership, or Trust?
2. How long has your business been recognized by your State & Local government?
3. Has your company ever had derogatory information reported against it to either of the two (2) most popular business credit reporting agencies, Dun & Bradstreet or Experian?
4. Are your company permits, licenses and registrations current?
5. Does your business have a physical address, or are you trying to use a U.S. Post Office Box instead?
6. Is your business telephone number recognized by directory assistance?
7. Are your incoming telephone calls professionally answered in your business name?
8. Have you established a business checking account?
9. Have you registered & asked for an Employer Identification Number (also known as an EIN) from the IRS?
If your answer to the first question was a sole proprietorship, partnership or trust; I urge you to re-establish your company as a corporation or LLC. I'm not going to provide you with legal advice, but many CPAs and attorneys highly recommend LLCs (Limited Liability Corporations) as a way of protecting your personal assets & estate... in the event of any lawsuits being filed against your company.
As a sole proprietor, your personal assets are at direct risk of seizure or forfeiture when faced with most types of legal action. Additionally, if you are applying for business loans in a corporation's name... most lending institutions will not require you to provide any personal guarantee!
A corporation can still face difficulties applying for business credit, if it has been in business less than 2 years or had previous credit problems reported against it. Here are some ways to fix these problems.
- Purchasing a "shelf corporation" or "aged corporation" that's been in good standing with your State government (for longer than 2 years) can drastically improve your chances for small business loan approval.
- You can attempt to repair your business credit rating by writing dispute letters to Experian or Dun & Bradstreet, which isn't always possible.
- Some corporate credit experts will help you find, select & purchase an established "shelf" or "aged" corporation, some of which already have strong credit ratings established... saving you alot of hassles!
I cannot stress this enough... you MUST have a physical address (not a PO Box) if you want to establish a solid business credit rating. The same thing is said for telephone numbers & the way incoming phone calls are handled. Would you lend money to a company that does not appear to have a physical address or documented telephone number?
And, don't forget to always keep your small business permits, licenses & registrations current... and always keep copies of these documents in case a potential lender asks for this information.
Business checking accounts are a must. Again, this proves stability to your potential lenders. Here are a couple of tips for you, in case you've had any checking accounts closed by a financial institution. Pay off the outstanding balance (if any) that's being reported by the bank, or open a checking account at a bank or credit union that doesn't use the ChexSystems credit reporting system. Most credit unions don't use ChexSystems, and you can always find a list of banking institutions in your area that don't use ChexSystems... by simply doing a search on Google, Yahoo or MSN.
Small business credit ratings are tracked using your business name, business address and employer identification number (EIN). You can apply for & receive an EIN at the IRS's website (irs.gov). You can also call the IRS, but be prepared for long waits.
Then you'll want to obtain a D-U-N-S number from Dun & Bradstreet, the largest business credit reporting agency. You can apply for this without any fees at Dun & Bradstreet's website (dnb.com), and you'll usually receive this number within thirty (30) days. Do not apply for this number until you've prepared your self thoroughly, because any information you give to them... goes into your credit file... permanently.
After you've obtained your D-U-N-S number, you're probably ready to start establishing some vendor credit. Vendor credit is where many business owners start establishing business credit ratings. Then, you'll also need to fax your business telephone bill & the credit application to them... on your business letterhead (which you can create using your favorite word processing software if you don't have expensive stationery). They usually don't require any personal guarantees (if you've followed the outline above), and you'll usually receive a starting credit line of $750.
This is critical & I repeat... critical! Always pay your invoices before the grace periods begin... especially on unsecured credit cards or vendor credit lines. Dun & Bradstreet will lower your credit score for every day a creditor reports your bill as unpaid while you're within your grace period. Whereas, personal credit scores are not lowered unless you are 30+ days past your due date.
Dun & Bradstreet reports what's known as a Paydex score (your corporate credit score), and a score of 80 is very good... with 100 being the highest score you can achieve. Your Paydex score is issued once you've established a known vendor/credit relationship with at least five (5) creditors.
There are shortcuts that will help you get much more than $750 alot faster. When using a business credit expert, most small business owners (even startups) can be approved for vendor credit lines of $25,000-$50,000 and open credit lines of $50,000, $250,000, $500,000 or more... in as little as 45-60 days... by using their knowledge of the application process & "shelf" corporations.
Now, it's your choice. Are you going to go against the grain & try to establish business credit on your own (which could prove costly to your business health, growth & survival)? Or, will you choose to utilize a corporate credit expert... allowing you to remain focused on your daily business needs?
Most business owners make the mistake of trying to do this on their own... usually trying to find grants, investor "angel" money, or falling back onto the "personal credit card sword". Don't be a casualty like the rest. Learn more about how you can use the tools that informed, educated millionaire businessmen have used for years.
small business grants
Ways To Get Grants For Brand New Businesses
Getting started with a brand new business, being your own boss, and deciding how the company is run it can be very exhilarating. Till the time the question of funds crop up. While loans and venture capital are the most popular ways of funding a new business, you can even consider applying for grants.
What is a Business Grant?
A business grant is provided to a business or a proposed business after it fulfills certain criteria. It works very much like a commercial loan, except for the fact that you need not repay a business grant. Because the business grant does not burden you with issues like repayment and interest, the competition for these grants is fierce. They are harder to get than loans, and take longer to sanction, since a committee scrutinizes your application first.
Who Offer Business Grants?
Private organizations, business groups and government institutions provide business grants. In the US, though the federal government does not provide direct grants for small businesses, state government and many private organizations help out new businesses by providing grants.
Who is Eligible to Receive Business Grants?
For small business grants, almost all kinds of privately run businesses with less than 30 employees qualify. Whether you run a day care center, photocopying business, or retail from home, you can apply for a small business grant. The only eligibility criteria are that you must be above 18 years of age and a US citizen or resident. You need to submit a well-written business proposal in order to get a grant sanctioned, since you have to convince the grants committee about the feasibility of your business.
How Much Is The Grant Amount?
Typically, a business grant for new businesses, especially small businesses, can fall anywhere from $500 to $50,000. If you are starting a new business, you can get more.
How to Write a Business Proposal:
A business proposal is crucial if you want to avail the benefits of a grant. A business proposal details how to plan to run, organize and get fund for your business. You need to mention how much money you will need, how much you hope to earn through your business, what kind of business model you will follow, how many people you will employ, insurance policy, business failure planning and other information. If you have no prior experience in running a business, then you may want to consult a small business advisor while drafting a business proposal.
Entrepreneurship is vital to the economy of any nation, which is why governments and private institutions provide grants to dedicated people who want to make a success of their new business. If you are keen on making your new business a hit, then there should be no problems in getting your grant application approved. In order to locate a suitable grant, and for drafting a business plan, you may need to consider a small business expert who can guide you.
small business servers prices
PC-based servers and LANs may be relatively mature technologies. However, small businesses need your firm’s expertise, more than ever. For these businesses, you’ll need to select, configure, customize, secure and maintain the right small business networking tools for their unique needs.
Real Small Business Networking Solutions Begin with Real Servers
How many times have you taken on a new small business client who insists that he or she is perfectly content with their peer-to-peer network? You know the peer-to-peer network is really causing a ton of problems.
Is Microsoft Windows peer-to-peer networking any way to run a small business? Perhaps it is for a two-or-three-person company, but those really tiny offices generally aren’t your most profitable client opportunities.
Convincing the Client They Need Small Business Networking
Clients come to you because they need a reliable, yet cost-effective small business networking solution. You know that their data, uptime, and security issues are important, and that there are some corners that aren’t worth cutting. Yet many small business networking prospects and clients still believe that they’re too small to need a dedicated or “real” server.
Cutting Corners Doesn’t Cut It
When you begin talking about a network upgrade, small business clients often dwell on out-of-pocket costs. They often neglect to consider the more substantial soft costs of investing shortsightedly in a small business network.
These include lost employee productivity when imprudent corners are cut, downtime when fault-tolerance is an afterthought, and support costs when difficult-to-support or “dead-end” solutions are selected solely because of their low price tag.
The Bottom Line about Small Business Networking
Often clients don’t recognize they have a small business networking problem until it’s too late. If you show your prospects and clients how a dedicated server can save them money by avoiding inevitable disasters (i.e. share some of your “before” and “after” client case studies), you’ll have a stronger chance of getting prospects
small business servers japan
Ernst & Young’s Japan Business Services team takes a proactive approach to helping Japanese businesses grow and thrive in Australia and in Japan.
Our team’s long-term experience, fluency in both Japanese and English languages, cultural awareness and close relationships with Japanese clients have enabled Ernst & Young to develop a strong understanding of the needs of Japanese businesses to grow and thrive in Australia and in Japan.
We know that Japanese business seek continuity of relationships across borders and through our partnering with Japan’s largest accounting firm, Shin Nihon & Co, now a global member firm of Ernst & Young, we are able to work across geographical and cultural boundaries to deliver our clients the best of both worlds.
More than 100 Japan Business Services clients of Ernst & Young enjoy a business network through our seminar program and regular newsletter focused on the interests of Japanese companies operating in Australia.
List of Services
Service Category (Japan)
Data Network ⁄ Network Management
Mobile ⁄ Ubiquitous
Phone ⁄ VoIP (Voice Network)
Security
Data Center ⁄ Server Operation
Contact Center ⁄ CRM Solution
Web ⁄ e-Commerce Solution
Broadband Visual Solution
Business Supporting Solution
SaaS ⁄ ASP
http://www.ey.com/AU/en/Services/Specialty-Services/Japan-Business-Services
small business servers Taiwan
Category:
Servers PC Stations
Software
CCTV Camera
Wireless Routers
Routers Wireless Network
Cards Network Cards Exco Taiwan
Exco Taiwan is being held in conjunction with the ASIAN MICE FORUM which is flying in internationally renowned industry players to deliver keynote speeches and share their knowledge with domestic exhibition & convention industry agents. The Exco Taiwan exhibition will be take place at Taipei World Trade Center (TWTC).
Venue: Taipei World Trade Center, Taipei, Taiwan
Exco Taiwan is being held in conjunction with the ASIAN MICE FORUM which is flying in internationally renowned industry players to deliver keynote speeches and share their knowledge with domestic exhibition & convention industry agents. The Exco Taiwan exhibition will be take place at Taipei World Trade Center (TWTC).
Venue: Taipei World Trade Center, Taipei, Taiwan
Taipei International Cycle Show
Taipei International Cycle Show is an event, which is organized every year on a regular basis related to Bicycle and its components. The event will showcase numerous products related to bicycle such as Frame & Frame Parts, Sport Wear, Transmission Parts, Books and Magazines, Bicycle Repair Tool, Sports Protective Device, Bicycle Parts, Camping Equipment, Textile Footwear and many more. The event will bring together a wide variety of cycle brands, manufacturers and dealers enthusiasts under one roof. An expert advice from the technical professionals can help the 32,000 visitors to buy the best cycle among the extensive range of brands and models. The event will be an outstanding platform for all the dealers, manufacturers and the visitors pertaining to cycles as it serves the interest of all of them.
Venue: Taipei World Trade Center, Taipei, Taiwan
Taipei International Cycle Show is an event, which is organized every year on a regular basis related to Bicycle and its components. The event will showcase numerous products related to bicycle such as Frame & Frame Parts, Sport Wear, Transmission Parts, Books and Magazines, Bicycle Repair Tool, Sports Protective Device, Bicycle Parts, Camping Equipment, Textile Footwear and many more. The event will bring together a wide variety of cycle brands, manufacturers and dealers enthusiasts under one roof. An expert advice from the technical professionals can help the 32,000 visitors to buy the best cycle among the extensive range of brands and models. The event will be an outstanding platform for all the dealers, manufacturers and the visitors pertaining to cycles as it serves the interest of all of them.
Venue: Taipei World Trade Center, Taipei, Taiwan
small business servers sri lanka
IBM Servers for small and medium business.
Choose from the Express models of ... businesses like yours: easy to buy, easy to install, easy to manage.Sri Lanka.
Lankan host Sri Lanka Low cost web hosting in sri lanka,web hosting only rs 100 ... Our servers, We guarantee an uptime of 99.9% for our servers, ... Great for small business websites with server side scripting and/or dynamic content
small business servers china
For many small and midsize enterprises in Europe and North America, the prospect of doing business in China can be daunting. In fact, as a result of their reluctance, such companies seem increasingly vulnerable on several fronts: they are not only forfeiting opportunities to sell goods and services in China and to source low-cost products in its factories and workshops but also face new Chinese competition at home.
But rather than wait passively for the day when these competitors show up on their doorstep, they can pursue strategies that could help them overcome the barriers to entering China's domestic and export markets. To be sure, those barriers are considerable. Many small and midsize companies are hardly eager to deploy scarce management resources to identify qualified Chinese vendors or to research and understand the tastes of the country's consumers. Nor do they have the time and resources to recruit staff and manage operations there.
red moor
http://www.mckinseyquarterly.com/In_China_opportunity_knocks_for_small_business_1623
But rather than wait passively for the day when these competitors show up on their doorstep, they can pursue strategies that could help them overcome the barriers to entering China's domestic and export markets. To be sure, those barriers are considerable. Many small and midsize companies are hardly eager to deploy scarce management resources to identify qualified Chinese vendors or to research and understand the tastes of the country's consumers. Nor do they have the time and resources to recruit staff and manage operations there.
red moor
http://www.mckinseyquarterly.com/In_China_opportunity_knocks_for_small_business_1623
small business servers india
Indian Based Small Business
Dig Deep for Small Business Ideas in India – Indian Based Small Business – Home Based Small Business in India
Free Online Articles Directory
red moor ............................
http://yourtopbusinessideas.com/dig-deep-for-small-business-ideas-in-india-indian-based-small-business-home-based-small-business-in-india/
Subscribe to:
Posts (Atom)