Income Citi

Debit Cards

2008-12-03T09:41:00.001-08:00

Why u need Business Credit in 2009

2008-11-28T10:32:00.000-08:00

Have You Ever Wanted…

To get enough cash to cover start up business expenses?

To purchase a foreclosure property or acquire a mortgage?

To invest in real estate WITHOUT a personal guarantee?

To operate your business with open lines of cash credit?

With Corporate Credit, You CAN!!!

Imagine the new business opportunities that will
present themselves after you build Corporate Credit!

What would you do if your business had excellent credit?

Have you been looking for a way to establish corporate credit without using your personal credit?

The University of Corporate Building has the solution for you! We are a leading financial consulting firm dedicated to instituting and organizing business credit for new and established businesses. Using our unique method, we can separate your business and personal credit and establish the solid business credit foundation you need to succeed!

Grow Your Business on Your Terms!

By separating your personal credit from your business credit, you’ll get the following benefits:

$50,000 in lines of business credit and credit cards with additional programs of up to $5 million

Automobile leases without a personal guarantee or personal credit check

Once you’ve established Corporate Credit, you can use it to obtain:

Real estate
Auto Leases
Credit cards
Business vendor credit
Equipment leases

Because this isn’t a typical business loan, you don’t have to prepare a plan detailing how you intend to use the funds once you get your unsecured business line of credit!

These are just some of the reasons why you should join this community.

Our group members are here for the same reason and love to help one another excel more quickly based on there previous experiences and knowledge.

Don't reinvent the wheel, use our membership area to gain the real knowledge you need.

How to Establish Biz Credit

2008-11-28T10:29:00.000-08:00

How I Learned How to Establish Credit In My Business Name

The Story

Establishing business credit is tough, especially for a new business. But remember: It CAN be done, and it's easier than you think. Follow these steps, and you'll be on your way to an excellent credit profile.

For most you of you have completed steps one and two, if you have not please done so.

1. Set up a C or S corporate business. These are smart to protect yourself, and these corporation structures are the only type of business structure that allows you to keep your business credit and personal credit separate. Limited Liability Corporations (LLC's) and Sole Proprietors are okay for contract work or property investment, but you still should get a C or S-Corp to manage them.

2. Get your EIN through registration with the IRS. It is free and can be completed online. You will also receive your EIN the same day. http://www.irs.gov/businesses/small/article/0,,id=98350,00.html

3. Set up your business phone. You will need to make sure it is at an address not the same as your home (because it is not looked upon favorably by the lending world, but if you don't have a choice it's not a real problem) and the phone will need to be registered in the 411 directory. Quite a few have had success with calling the local phone company and getting a call forwarding number. It is a business number that automatically forwards to any desired phone. Make sure it will list with 411 before signing up however.

4. Get your Dunn & Bradstreet number. If you want to establish credit sooner pay for the Dunn and Bradstreet Credit Builder basic plan. This a service that assigns a D-U-N-S Number to your company, builds a full credit profile, and assigns a basic set of D&B scores and ratings that potential business partners can view. This well worth the $329.00 At this point will immediately be able to get small lines of credit. (http://www.irs.gov/businesses/small/article/0,,id=98350,00.html). After you have at least 5 business trade lines or business accounts reporting, you receive a paydex rating (Paydex is similar to FICO as for personal credit).

5 After receiving your first phone bill, go to http://www.staples.com/ and fax in copy of application along with copy of phone bill to apply for business credit. Use professional letterhead for coversheet. You should receive the standard $750 credit line with no personal guarantee (herein referred to as "PG").

*REMEMBER - a paydex score will only take into account your payment history. Unlike personal credit, this is counted in days. For example, if you pay your invoices 14 days late, it will be reported as such. If you pay your account off before the statement or invoice comes, it will be reported as such. The bottom line: Pay your invoices on time, and you will get a better paydex score.

6. Set up the following business accounts, and make at least one purchase, you want to pay this off BEFORE the first statement hits:

a) UPS -* http://www.ups.com/
b) FedEx CONTACT Revenue Services Department 1-800-622-1147 press 4 then 1
c) Barnes & Noble CONTACT Purchase Order Department 1-212-414-6000
d) Quill Corporation, CONTACT Credit Department 1-800-634-3090
e) Viking CONTACT Credit Department 1-888-454-5457
f) Rapid CONTACT Billing Department 1-800-257-5287
g) Nebs -* http://www.nebs.com/
h) 11. Office Depot* http://www.officedepot.com/* apply online

7. Need a cell phone? Once you have an EIN and D&B# apply for a business account. Usually T-Mobile is the easiest to get credit with. Yet with all the cellular company competing for business market, I've heard that Sprint, Cingular, and Verizon are easy to get as well. Nextel? Good phone, but you have to jump through a lot of hoops, and you usually have to put down a deposit. It will take at least 30-45 of use and the following companies will automatically report to D&B creating your business file:

8. Once you have a paydex score of 75+, you can apply for Lines of Credit (herein referred to as "LOC") or business Credit Cards without any sort of PG.

Tips for a better Retirement

2008-11-28T10:23:00.000-08:00

Having a million-dollar portfolio is a retirement dream for many people. Making that dream come true requires some serious effort. While success is never a sure thing, the 10 steps outlined below will go a long way toward helping you achieve your objective.

1. Set the Goal

Nobody plans to fail, but plenty of people fail to plan. It's a cliché, but it's true. "Plan" is the leading self-help advice from athletes, business moguls and everyday people who have achieved extraordinary goals.

2. Start Saving

• In Pictures: 10 Retirement-Wrecking Moves

• In Pictures: 10 Ways to Your First Million

• In Pictures: Top 8 Estate Planning Mistakes

If you don't save, you'll never reach your goal. As obvious as this might seems, far too many people never even start to save. If your employer offers a 401(k) plan, enrolling in the plan is a great way to put your savings on autopilot. Simply sign up for the plan and contributions will be automatically taken out of your paycheck, increasing your savings and decreasing your immediate tax liability.

If your employer offers to match your contributions up to a certain percentage, be sure to contribute enough to get the full match. It's like getting a guaranteed return on your investment. Finding the cash to stash may be a challenge, particularly when you're young, but don't let that stop you from pursuing future riches.

3. Get Aggressive

Studies have shown that the majority of the returns generated by an investment are dictated by the asset-allocation decision. If you are looking to grow your wealth over time, fixed-income investments aren't likely to get the job done, and inflation can take a big chunk out of your savings.

Investing in equities entails more risk, but is also statistically likely to lead to greater returns. For many of us, it's a risk we have to take if want to see our wealth grow. Asset-allocation strategies can help you learn how to make picking the right mix of securities the core of your investing strategy.

4. Prepare for Rainy Days

Part of long-term planning involves accepting the idea that setbacks will occur. If you are not prepared, these setbacks can put a stop to your savings efforts. While you can't avoid all of the bumps in the road, you can prepare in advance to mitigate the damage they can do.

5. Save More

Your income should rise as time passes. You'll get raises, you'll change jobs, and maybe you'll get married and become a two-income family. Every time more cash comes in to your pocket, you should increase the amount that you save. The key to reaching your goal as quickly as possible is to save as much as you can.

6. Watch Your Spending

Vacations, car, kids and all of life's other expenses take a big chunk out of your paycheck. To maximize your savings, you need to minimize your spending. Buying a home you can afford and living a lifestyle that is below your means and not funded by credit cards are all necessities if you want to boost your savings.

7. Monitor Your Portfolio

There's no need to obsess over every movement of the Dow. Instead, check your portfolio once a year. Rebalance your asset allocation to keep on track with your plan.

8. Max Out Your Options

Take advantage of every savings opportunity that comes your way. Make the maximum contribution to tax-deferred savings plans and then open up a taxable account too. Don't let any chance to save get away.

9. Catch-Up Contributions

When you reach age50, you are eligible to increase contributions to tax-deferred savings plans. Take advantage of this opportunity!

10. Have Patience

"Get-rich-quick" schemes are usually just that - schemes. The power of compounding takes time, so invest early, invest often and accept that the road to riches is often long and slow. With that in mind, the sooner you get started, the better your odds of achieving your goals.

The Reality Of Retirement

Retirement might seem far away, but it when it arrives nobody ever complains about having too much money. Some people even question whether a million dollars is enough.

That said, with lots of planning and discipline, you can reach your retirement goals and live a comfortable life after work.

PayPal Income

2008-11-27T17:57:00.000-08:00

Follow the directions below and in two weeks you'll have up to
$20000.00 in your PayPal account. There is a very high rate of
participation in the program because of its low investment and high
rate of return. Just $5.00 to one person!

THAT'S ALL !!!

If you are a skeptic and don't think the program will work, I urge
you to give it a try anyway! It REALLY WORKS! Why do you
think so many people are promoting it ?

LOOK AT IT THIS WAY: If the Program is a total failure for you and you
never get even $1.00 in return, your total loss will be the $5.00! If you
are not yet a paypal member, there is no risk at all!!! If the Program is
only moderately successful for you, your PayPal account will have
several hundred dollars deposited into it within the next few weeks! If you
actively participate in the Program, you could have up to $20,000.00 in your
PayPal account within 8 weeks!

Now let me tell you the simple details.

Getting Started!!

If you're not already a user of PayPal, the very first thing you need
to do is go to PayPal and sign up. It takes two minutes
and Pay Pal will deposit $5.00 in your account just for becoming a
member. That makes this program's total cost $0!!! Follow
this link to open your PayPal account:

https://www.paypal.com

Now log into your PayPal account, and send the PayPal account of the
person listed in Position 1 $5.00 PayPal will ask you to
select type. (Select "service" and put "$5.00 donation" for
subject.) When person in Position 1 receives notification of your
payment, you can simply copy this page and change the names in
position #1 & #2 & #3 as instructed. Remember, only the person
in Position 1 on the list gets your $5.00 donation. Send them a
donation then remove #1 PayPal account from the list. Move the
other two accounts up & add your Paypal account to #3 position. After
you have retyped the names in the new order,

IMMEDIATELY send the revised message to as many people as possible.
PROMOTE! PROMOTE! The more you promote the Program, the
more you will receive in donations!! That's all there is to it.
You are reading this message in usenet, and usenet is the best way
to spread the word about the program. Post this message to AT LEAST
200 groups in usenet(there are over 24, 000), after you send the 5
dollars to the person at #1. This will guarentee you a profit from
this program. The more groups you post it to, the more money you will
make!!!.You can use a program like "postXpert" to post to all the
newsgroups at once. You can find this program at .
Use Netscape or Internet Explorer and try searching for various new groups
(on- line forums, message boards, chat sites, discussions.)
Visit message boards and post this article as a new message by highlighting
the text of this letter and selecting paste from the edit menu.
Fill in the subject, this will be the header that everyone sees as they
scroll
through the list of postings in a particular group,
click the post message button. You're done.

When your name reaches Position 1 (usually in less than a week) it
will be your turn to receive the cash. $5.00 will be sent
to your PayPal account by people just like you who are willing to send
$5.00 dontation and receive up to $20,000 in less than
two weeks. Because there are only (3) names on the list you can
anticipate 80% of your cash within two weeks.

Anytime you find yourself short on cash just take out your $5.00
donation program and send it to 50 prospects. Imagine if you
sent it to 100 or even more. Most people spend more than $5 on the
lottery every week with no real hope of ever winning.

IMPORTANT!!! IN ORDER FOR THIS PROGRAM TO WORK, YOU MUST BE HONEST. DO
NOT ADD YOUR EMAIL IMMEDIATELY TO THE #1 POSITION, AND MAKE SURE TO
SEND YOUR 5 DOLLARS TO THE PERSON AT #1. IF EVERYONE WHO TRIED THIS
DIDN"T SEND THE MONEY, THEN NOBODY WOULD MAKE A DIME. 5 DOLLARS IS A
VERY SMALL INVESTMENT, ESPECIALLY WHEN YOUR ABOUT TO MAKE MANY MANY
MANY TIMES THAT AMOUNT. IF WE ARE ALL HONEST, THEN WE ALL MAKE LOTS OF
MONEY!!

REMEMBER, you add your email to the #3 spot, and then move everyone
else up 1(deleting the person who was formally in the #1 spot, and who you
should have sent your money to). DO NOT add your email to #1 when you
start this program. If everyone did this, then NO ONE would make a
cent.

THIS PROGRAM WORKS - JUST TRY IT

POSITION # 1
PAYPAL ACCOUNT: info@mipublisher.com.

POSITION # 2
PAYPAL ACCOUNT: kevin...@ntlworld.com

POSITION # 3
PAYPAL ACCOUNT: li...@hotmail.com

Integrity and honesty make this plan work.
Participants who actively promote this program will average between
$8000 and $12000 and receive the donations within two weeks.

This letter is a job listing program. You are simply making a donation of $5.00
to another person and joining our career list for employment and refer other members to positive job posting. The Program does not violate title
18 section 1302 of the Postal and lottery code.

Remember -TIME is of the essence. YOU can choose to live
Paycheck-to-Paycheck or live FREE from FINANCIAL BONDAGE. Become a
part of the donation program and help people help people.

This program is about helping each other!

Success is a journey - Not a destination!

Start Your Journey and put your name on the job list TODAY!!!!

Make Money With Widgets

2008-11-27T17:52:00.000-08:00

Saturday, November 22, 2008

Create and publish your own widgets!!!
If you're new here, you may want to subscribe to my RSS feed. Thanks for visiting!

Viral marketing is one of the most effective ways to spread the word about your blog and services. Now Widgadget makes your content viral by letting you create your own widget in three easy steps.

How To Create Your Own Widget?

* Sign up Widgadget. Note that there are three options: bloggers, business, and advertisers. By default you should select bloggers. However, you may also want to advertise your services by creating your own widget. In that case you better sign up as advertisers.

* After completing sign up process, you will notice create your widget button on the right up corner.
* Click on it, and follow the necessary steps.
* Widgadget lets you create your own widgets with your desired text color/background, and links them back to your blog.
* After finishing the design process, you are also given an option to share it with others via networks like Netvibes, Facebook, MySpace, Blogger, iGoogle, WordPress. You may also embed the widget code, and publish it on your own blog.
* I must also warn you that Widgadget is still at BETA stage. I faced with some problems while trying to share my widget on some networks. However, it is still a great viral marketing tool for bloggers. All we need is to be patient for a while.

Benefits of Having Your Own Widget

* Bloggers desperately seek for link exchange. The easiest way to have links to your blog is to persuade other bloggers on publishing your widget. The more bloggers do it, the more links you will have.
* Arrange an award or charity organization for bloggers, and create a widget. You will be amazed to see how many bloggers will be linking to your site in a very short period of time.
* Your widget is listed according to its category at Widgadget, where other members can easily find it. This can increase the viral effect.
* All in all, you can create a web or desktop widget in a few minutes, distribute it, publish it in the main social networks, and promote it in their gallery.

After you sign up, pay a visit to my widget wiggiblogger.blogspot. Maybe I can get a few backlinks too, who knows…
Posted by xtv at 4:09 PM 0 comments
Labels: blogs, money, widgets

How To Make Money on the internet

2008-11-27T12:09:00.000-08:00

Make Money on the internet with a website:The Basics

First: Start with an idea
Your new website has to be about something - anything. Virtually any subject you can think up has millions of potential 'visitors' that would be interested in seeing your website. Some of the most simple ideas have turned into very successful websites - for example: Tropical fish, auto repairs, photography or even pet grooming. If your idea is unique, for example if you are an expert on repairing antique Fiats and you want to make a website about how to repair or restore them, you have a unique 'niche' which although there may be less potential visitors, you will probably get a larger percentage of those visitors because there will be fewer websites about antique Fiat repair to compete with.

The point is - choose a subject that you know, that you are passionate about and enjoy, and jump in! What do you have to loose? Sure you might have to make very small investment (probably less than $100) to get started with a web-server host, but if you think of your new website as just a new hobby or a new learning experience you're probably getting-off pretty cheap! How much did that new bicycle cost, or that new computer? Far less then the $100 (or less) to create your new website I'll bet!

Choosing an Internet Website "host":
Inexpensive 'shared' website hosting services
A 'shared' web hosting company provides web servers and an internet connection shared by more than one customer. They provide full functionality and usually large amounts of storage for your website, yet are still only a few dollars per month. 'Shared' web hosts are usually the best choice for most non-commercial web sites because of the low cost.

Because of the balance of low-price and high reliability, this website began on a shared web host. Our first host, PowWeb.com is highly recommended as a low-priced ($3-$8 per month depending on the plan and promotion), easy way to start your own website. PowWeb offers pre-made website templates, they are very easy to setup, and have very good customer support.

Other low-cost Internet Website hosts:

There are many Internet website hosting providers to choose from. Web.com is another very good, lower-cost web-hosting company providing 1-click website setup, multiple email addresses 24/7 support as well as many other features not provided by the less-expensive companies, all for less than $20/month. Web.com offers features that PowWeb.com does not, so depending on what you need (for example, more storage if you plan on uploading a lot of photographs to your website) Web.com might be a better choice for your needs, even though it costs a few more dollars per month.

www.Web.com
Dedicated website hosts
A dedicated web-hosting company provides highly reliable and high speed internet web servers and dedicated internet connections. These industrial-strength services are extremely fast and reliable, but can also be very expensive. Companies like iPowerWeb.com offer good priced dedicated web servers - meaning that you own or lease the entire web server

Unless you plan to hit the bigtime right off the bat, I would recommend a 'shared' service such as Web.com or Powweb.com because of the lower price.

Self Internet Website Hosting
Hosting an internet web server of your own requires a high speed connection to the internet and expertise in firewall and security configuration, and can quickly become a full time job. Because of the level of expertise required and because most internet service providers (cable and DSL) prohibit the use of web servers on non-business internet connection accounts, trying to host your own web-server is not recommended.

Web page creation software
Some web hosts such as PowWeb and Web.com allow you to easily create web pages using sivery easy to use web-based editing tools, know as WYSIWYG (What You See Is What You Get) editors. This type of page creation is no more complicated than using word-processing software and all you need is a web browser. The trade-off is that the type of pages you can create is somewhat limited. Most virtual web-hosting companies including PowWeb and Web.com will also allow you to use web-page creation software of your own such as Microsoft Front Page, Dreamweaver, or other web site building programs. You will need to purchase and learn how to use your web-page editing software, but this will give you more control and capabilities in the long run. Hosts such as Web.com and PowWeb.com also offer great pre-made and easy to setup website templates that make creating your website even easier.

Choosing a Domain Name
Once you know what your website will be about you will have to choose a Domain Name. The domain name is the "dot" Com name that your website will have (for example: restoringFiats.com). The domain name you choose should be easy to remember, and should be relatable to your website in some way. The domain name itself will cost you a few dollars, but the cost is usually included when you sign up with a web-hosting company. Both Web.com and PowWeb.com make it very easy to choose your domain name when you signup for your hosting service. The entire process of choosing your domain name AND ordering your website hosting service will probably take you less than 10 minutes - it's really that easy.

The fun part: Make MONEY on the internet with your website!
The two common ways to make money with your website are selling products or selling advertising. I will focus on selling advertising since it's easy, free, and ANY website can do it.

Google AdSense
Google's AdSense has revolutionized the way people make money on the Internet and is by far the easiest way to make money online. Now virtually any website can make money, with virtually no limits to what you can earn! Google Adsense automatically delivers "targeted" text ads to your website giving your readers what they are looking for. For example: If you have a website about how to make money on the Internet, Google Adsense will display advertisements about creating websites, making money on the internet, or web hosting solutions.

Google Adsense is FREE and easy to use!
Signing up for Google Adsense is absolutely free and takes only a few minutes. Simply fill out a form online to create your account and you're done. After your account is created, simply copy & paste your ad-code onto your website and start making money online! It is literally that easy. Of course how well you do and how much money you make depends on many factors, mainly the amount of traffic & visitors that come to your website. A website that gets a #1 or #2 search result in Google or Yahoo can easily get many thousands of visitors per day, and earn thousands of dollars per month.

After building your website make it easy to find

The key to making money with your website is traffic (people traffic, not automoblie traffic). The more people that come to your website (traffic), the more money you can make from advertisers. The key to getting people to your website is Search Engine Optimization. Search Engine Optimization (SEO) is the process of getting your website into search engines (such as Yahoo and Google) and getting it listed at the top of the search engine results pages (SERPs). If you build a website about Widgets, you want to be sure that anyone searching on Yahoo or Google for "Widgets" sees your webpage at the number one position, and not some other webpage.

Basic Steps of SEO
Submit your website to DMOZ.ORG. DMOZ is the 'mother' of Internet Directores
Submit your website to the major search engines: Google, Yahoo and MSN. All the major search engines allow you to submit your site so they can start adding your pages into their search index.
Solicit links from other websites to your website. When a site links to your site, it's like a 'vote' that your website has good content. Search engines take into account how many other sites link to your site when deciding what to list in the SERPs. Links from other sites also make it easier for search engines to find your website
Read and learn! There are entire books, websites and forums dedicated to making websites "search engine friendly". Two good sources are www.webmasterworld.com and www.digitalpoint.com.

Advertising For Your Website or Blog
Got your website all setup but want to bring even more visitors FAST? Then paid-advertising might be the best option.

Google AdWords
Google's Adwords service is by far the largest and most effective internet-based advertising system on the web today. Using Adwords, website publishers can display simple, easy to create text ads that are displayed on Google's search-page results and on websites in the Adsense publishing network. With Adwords your advertisement be in front of tens of thousands or even hundreds of thousands of internet users in minutes. Advertising with Adwords is very easy and signing up is free, and most advertisers only pay when someone clicks on their advertisement. If you sell a product on your website, Adwords is an almost guaranteed way to bring targeted traffic (people looking for your product) in minutes.

Add new content (pages & stuff) and lots of it, then wait
After creating your website and learning SEO, the next step is to wait (unless you opt for paid advertising). It can take anywhere from weeks to months for the search engines to begin listing your website. Use this time to add unique and interesting pages and information to your website and keep it growing.

Earning money with your website will take some time: Use the time to your advantage
As I stated above, it can take time before you start getting people (traffic) to your website. Use this time to learn more about making your site better, and make it better. Making money with a website is not a get-rich scheme, and it takes hard work, dedication and patience, but the payoff can be well worth it. If you're not into building a website to generate money, it can be a fun, inexpensive and rewarding hobby.

Quick Summary:
Decide what your website will be about - the more unique, the better

Get an inexpensive "host" - Web.com or PowWeb.com

Build your website

Sign-up for adverting to generate income (optional)

Advertise or just "get the word out"

Have fun!