Three Steps to Starting Your New Business With a Clean Credit Score

For many people, starting their own business is a personal dream. Before fulfilling your personal dream, it's necessary to get your personal finances in order. At this early stage you'll be using your own personal finances to start your business and if you want to succeed you must approach your personal finances with a professional eye.

Avoid funding start-up expenses via credit and running up huge credit card debt. Instead you should apply for a business loan, which has the benefit of being a one-time loan with typically lower interest rates than a credit card. However, in order to get good terms on your loan, you will have to have your credit card debt in order first.

Without an established business credit history, lenders will have to look to your personal credit to negotiate your terms. You don't want personal credit problems starting your business credit off on a bad foot.

Three Steps to Starting Your New Business With a Clean Credit Score

A clean credit score will help you get the low interest rates you need to start your business on solid financial ground.

Step One. Pay off your credit card debt. 

Once you know where your credit weaknesses lie, zero in on them to start improving your standing. Your goal will be to completely eliminate all credit card debt. It may seem like an insurmountable task, but in reality, paying it off as fast as you can is actually easier and less expensive than paying it off over a period of many years. 

First, start paying double the monthly minimum on the balance with the highest interest rate, while paying the minimum monthly due on everything else. By paying down that highest-interest balance, you will save yourself from potentially spending thousands extra in interest - and you'll be done in half the time. Once you have paid off that balance, move on to the one with the next highest interest, and so on down the line. Eventually you will enjoy the freedom of zero credit card debt. In fact, if you find yourself having a hard time staying away from credit card purchases – take them out of your wallet and bury them in your closet until you have improved your financial situation.

Step Two. Check your credit report. 

Have you seen your credit report? You can get a copy of yours by visiting  Look over it carefully to make sure there are no mistakes that could have negative effects on your credit and your interest rate.

If you find any mistakes, you may dispute them through the credit-reporting agency. The creditor then has 30 days in which to respond to your dispute. If they fail to respond within 30 days, the disputed information is expunged. If it is a particularly old debt, creditors may not even bother to respond. Disputing credit report mistakes is definitely worth a try since you have nothing to lose but bad credit.

Step Three. Pay bills on time. 

Your credit is not based solely on your ability to pay off your credit card debt. You must also demonstrate that you are responsible when paying your bills: utility bills, car payments, and rent for example. Try to pay all of these on time and in full and it will reflect well on your credit report. If you have trouble remembering to pay your bills on time, try to keep them all in a highly visible place so you will have a constant reminder to pay them. 

Many utility bills may be paid online these days, so you can simply check with your utility companies to set up automatic payments. Not only do you maintain good credit by paying on time, but you also avoid paying late fees, and saving money is always a wise financial move!

Before you establish your own business, it is imperative that you begin with a clean slate: no debt, healthy credit, and responsible financial habits. When you have a good credit score to begin with, your business will have a stronger start and will be easier to run. Good finances mean success. Best of luck with your new business venture!

The Top 10 Reasons Moms Choose to Work from Home

1. Big savings on daycare costs
2. No more bosses giving you the stink eye for not working due to kid issues
3. No commuting
4. Savings on lunches out and work clothes
5. More flexibility
6. The ability to start a business doing something you love
7. Make as much or as little money as you want
8. To be able to say “I own my own business”
9. Kids can learn how a business works
10. To be in control of your own destiny



1. Big Savings On Daycare Costs 

According to the Children's Defense Fund and Runzheimer International parents are paying an average of  $250 to $1,250 monthly for daycare. A mother who is making about $20,000 a year will probably find that she is really only bringing home only $5000 a year once all the additional costs of her working are figured in. Some moms are actually loosing money each month by working outside the home.  

2. No More Bosses Giving You the Stink Eye For Not Working Due To Kid Issues

There’s nothing worse when your daycare provider tells you that your kid is sick and they can’t watch them because of it. So there you go, having to take time off work as your boss and coworkers resent you and your chances of promotion becomes slimmer and slimmer because you can’t be counted on all the time. 

3. No Commuting

No more commuting when you work from home. No long drives, bad traffic, added expenses for car upkeep (car upkeep costs about $250 a month on average). You can simply wake up in the morning and walk a few feet to your home office. 

4. Savings on Lunches Out and Work Clothes

Between eating out and buying uniforms or clothes for work (even if you don’t have to wear a uniform) you are looking at paying about $145 a month. Nice thing about working at home and being your own boss is you can decide what you want to wear to work. 

5. More Flexibility

There are field trips to go on, sport programs to get the kids to, exercise classes, family that needs extra care at times that goes on in a moms life. Working at home offers the flexibility that is needed to do all these small things that add up and make a huge difference in everyone’s life – including your own. 

6. The Ability To Start A Business Doing Something You Love

The ability to be a work-at-home mom is the best gift you could ever give yourself, for so many reasons. The big one though is being able to create a home business around something you really like and enjoy doing. You shouldn’t have to hate your job or the way you make money. This is the perfect opportunity to finally put your interests and talents to good use, and make money from them. 

7. Make As Much or As Little Money as You Want

Being the owner of your own business you can decide if you can work full or part time. This can depend a lot on the age of your children and how much you can dedicate to your business. 

8. To Be Able To Say “I Own My Own Business”

When you can say,  “I own my own business” this is very empowering. As something Emeril might say, “It definitely kicks the self-confidence level up a notch or two.”

9. Kids Can Learn How a Business Works

Your kids can learn first hand how a business runs. There will have no problem answering any questions like, “So what does your mommy do.” Kids become very proud of their work-at-home moms. They love the fact their moms are there for them, and that it makes mom happy to make money doing something she loves. 

10. To Be In Control Of Your Own Destiny

Work at something you love to do, have the flexibility to work around your families schedule, wear what you want to work and becoming the person you are supposed to be. These are all ways that you can have control of your own destiny.

Top Business Oportunities

These opportunities are solid. If you just need some extra cash or really want to leave your day job these will do. They are all affordable, all have money back guarantees, and have no hidden gimmicks. These companies are perfect for people who hate sitting in traffic just to get to some crappy job. With these companies you really can turn a profit in 24 hours.

I have been looking and joining many companies looking for a few that are reliable. Many companies are pure scams and that just pisses me off because I am a hard worker looking for a good opportunity. I have tried most things online and a majority of them were pure nonsense. These three opportunities have no crazy matrix or any of those complicated systems to make money.

I can honestly say that these companies do truly care about you making money. They have an awesome support team and I feel that really matters. They also give you a ton of free stuff. I will also be posting articles weekly to help you make money. The articles will basically have links for free stuff to help you build your business and any other info I find.

"Folksonomies" - a New Viral Marketing Tool

A new consumer phenomenon is called "tagging" or "folksonomies" (short for folks and taxonomy). Tagging is powerful because consumers are creating an organizational structure for online content. Folksonomies not only enable people to file away content under tags, but, even better, share it with others by filing it under a global taxonomy that they created.

Here's how tagging works. Using sites such as del.icio.us - a bookmark sharing site – and Flickr - a photo sharing site - consumers are collaborating on categorizing online content under certain keywords, or tags.

For instance, an individual can post photographs of their iPod on Flickr and file it under the tag "iPod." These images are now not only visible under the individual user's iPod tag but also under the community iPod tag that displays all images consumers are generating and filing under the keyword. Right now Flickr has more than 3,500 photos that are labeled "iPod."

Tagging is catching on because it is a natural complement to search. Type the word "blogs" into Google and it can't tell if you are searching for information about how to launch a blog, how to read blogs, or just what. Large and small sites alike are already getting on to the folksonomy train. They are rolling out tag-like structures to help users more easily locate content that's relevant to them.

Although tags are far from perfect, marketers should, nevertheless, be using them to keep a finger on the pulse of the American public. Start subscribing to RSS feeds to monitor how consumers are tagging information related to your product, service, company or space. These are living focus groups that are available for free, 24/7. Folksonomy sites can be also be carefully used to unleash viral marketing campaigns - with a caveat. Marketers should be transparent in who they are, why they are posting the link/photos and avoid spamming the services.

Why and How E-mail Viral Marketing Works

What does a virus have to do with marketing? Viral marketing describes any strategy that encourages individuals to pass on a marketing message to others, creating the potential for exponential growth in the message's exposure and influence. Like viruses, such strategies take advantage of rapid multiplication to explode the message to thousands and then to millions.

Public health nurses offer sage advice at flu season: stay away from people who cough, wash your hands often, and don't touch your eyes, nose, or mouth. Viruses only spread when they're easy to transmit. Viral e-mail marketing works great on the Internet because instant communication has become so easy and inexpensive. Digital format make copying simple. From a marketing standpoint, you must simplify your marketing message so it can be transmitted easily and without degradation. Short is better. Remember the K.I.S.S. standard….Keep it Simple Stupid. The shorter and easier to remember is always better than long and complicated.

Clever viral marketing plans take advantage of common human motivations. The desire to be cool and greed drives people. So does the hunger to be popular, loved, and understood. The resulting urge to communicate produces millions of websites and billions of e-mail messages.

Most people are social. Nerdy, basement-dwelling computer science grad students are the exception. Social scientists tell us that each person has a network of 8 to 12 people in their close network of friends, family, and associates. People on the Internet develop networks of relationships, too. They collect e-mail addresses and favorite website URLs. Affiliate programs exploit such networks, as do permission e-mail lists. Learn to place your message into existing communications between people, and you rapidly multiply its dispersion.

If you can design a marketing strategy that builds on common motivations and behaviors for its transmission, you have a winner.

Using Videos in Viral Marketing

More and more advertisers are adopting video as broadband continues to rise and ad-serving technologies become more sophisticated. Online video advertising is really taking off. Users’ attention can be captured and ads stand out from the crowd in an increasingly ad-cluttered online environment. It is true that video formats cost five to ten times more to serve than standard banners and they involve a lot more production and implementation work but they may well be worth all of that if they achieve greater response rates.

Where to use online video if wishing to maximize its effect, is what advertisers must carefully consider. Video to be used on the Internet should be information and communication focused while video to be used on television should be focused on entertainment.

Like everything else, there are good ways and bad ways to use video advertising. Right now most marketers are incorporating their audio-visual content into existing embedded ad formats like banners or over-content formats like pop-ups. Though this could reach a potentially large audience, viewers are likely to be less captivated and more annoyed by these disruptive and distracting placements.

Cached or streaming video on a specific destination site offers the best chance of interesting consumers in brand messages, but it is not likely to reach a large audience unless it generates a viral outcome.

Whatever you come up with, don't forget to make it easy to open and distribute. File size is important, as is the media format. If your viral video has been created for a particular type of software that not many people use, how will you get people to spread it like wildfire?

Also, if you've made a video the impact will be better if you send the clip as an attachment rather than stream it. It's cheaper and, if you're not hosting it, it's more viral, too.

Using Forums in Viral Marketing

Recently, forum marketing has been touted as a kind of free, organic, viral marketing. But because so many marketers go into forums purely with the intention of marketing products or services, their actions and attitude unwittingly causes the exact opposite of the desired effect.

Forums aren’t marketplaces but when used as such, the marketers’ actions become offensive and will only inspire the wrath of fellow members and marketers, not to mention moderators who can ban them from the site with the click of their mouse.

In order to be effective, this kind of marketing carries a certain degree of commitment, responsibility and respect. The first requirement is to take a personal interest in the main topic of the forum. Not only does that mean visiting it regularly, but it also means developing a good relationship with both other members and the moderators, as well as taking an active interest in helping others. Of course, it also means abiding by and all rules that exist. By doing this, one can develop a reputation and, since it is human nature to work with a trusted colleague, business will naturally develop from this.

This type of marketing has already suffered some abuse and because of this, many forums have recently developed stringent rules designed to protect their members from abusive or overly-aggressive marketing tactics. One forum grants .sig files only after a member has created one hundred valid posts and another has disallowed ads in sig files altogether.

Marketers must respect that the purpose of a forum is to be a platform to exchange ideas on a given topic. It is not there to advertise products and services. By focusing on the topic and posting questions and answers, a marketer’s reputation will grow and this creates the potential for sales naturally.

Using File Sharing in Viral Marketing

There are probably ten million people online, looking for downloads at any given time. Of course, a lot of them could be looking for pornography or free software but still, reaching a minimum on a million people on any given day does offer some rather intriguing possibilities.

People like using file services to download music for two simple reasons, they’re free, and there is an incredible selection. The fact is Pandora’s Box has been opened. In Napster’s wake, other quasi-legal services quickly emerged… a lot of them. Even if they are closed, others will succeed them.

Major record companies would like to thing otherwise but they are never going to stop file sharing. Net users are file sharers…plain and simple. Long before the Internet came into being, people made cassette tapes of their favorite music for their friends…cd burners are so much easier and faster.

So how can you use this to help your viral marketing campaign along? Think about this. Once someone downloads your MP3 files and those files are available on that listener’s hard drive, viral marketing begins. After two users start sharing your files, suddenly, your music is on the hard drive of a second computer…then a third… and on and on. When users are searching and they find your music on a lot of different computers, they are more likely to download the files. It’s just a matter of time before you’ll find your files showing up in more and more places.

No matter what genre music you play…Rock and Roll, Country, Tejano, Mozart sonatas, Heavy Metal, of Brazilian Jazz, there is an audience for it somewhere.

In this new paradigm, you aren’t hawking a product, you are offering free music via a medium that lets you be directly connected with your audience.

6 Ideas for Viral Marketing

Here are six ideas to help you start your viral marketing campaign:

1. Purchase the branding rights to a viral E-book. Allow people to give away your free E-book to their visitors. Then, their visitors will also give it away. This will just continue to spread your ad all over the Internet.

2. If you have the ability to set up a forum or other bulletin board, you really have a great tool. Allow people to use your online discussion board for their own website. Some people don't have one. Just include your banner ad at the top of the board.

3. Do you have a knack for web design? Create some templates, graphics, etc. and upload them to your site. Then, allow people to give away your free web design graphics, fonts, templates, etc. Just include your ad on them or require people to link directly to your web site. Make sure that you include a link back to your site in the copyright notice and require them to keep your copyright notice in tact.

4. Write an E-book. Allow people to place an advertisement in your free E-book if, in exchange, they give away the E-book to their web visitors or E-zine subscribers.

5. Write articles that pertain to your product or service. Allow people to reprint your articles on their website, in their E-zine, newsletter, magazine or E-books. Include your resource box and the option for article reprints at the bottom of each article.

6. You can easily find products on the Internet that will sell you a license allowing you to distribute the product free of charge to other people. Look for those products that provide "branding rights". That is where you can include your own name, website, and contact information.

What Works & What Doesn't in Viral Marketing

Stop with the enforced e-mail forwards already! Trying to force or bribe people to forward your info to a friends or family in order to be rewarded or win looks skanky in today's ultra-permission-based world. Especially when you tell visitors nothing about their friend's or family’s privacy in the space directly next to the e-mail form.

A true viral campaign gets forwarded because consumers are compelled to do so by the glory of the content, not because you bribed them with points or something else.

What absolutely will not work:

Suggesting that e-mail recipients forward your message to their friends and family will not work. Adding a line at the bottom of your e-mail that reads “Please feel free to forward this message to a friend” is more likely to get it deleted than forwarded.

What absolutely will work:

Offering something worthy of sharing like a valuable discount, vital information or offering an incentive for sharing like additional entries into a sweepstakes or an added discount or premium service will work.

Relevant or timely information, research, or studies that are included in your e-mail might encourage the recipients to share with their family and friends. Interactive content like a quiz or test, especially if it’s fun, will inspire forwarding.

Jokes and cartoons are almost always forwarded to everybody the recipient knows. Why? Because they are entertaining and entertainment is meant to be shared.

A really cool multimedia experience is always going to achieve a lot of pass-along. Rich media is new and the novelty and tech factors alone are often enough to make the e-mail recipient eager to share it.

Oops! Almost forgot one really important thing….You can craft a brilliant e-mail following all the rules, but if a consumer visits your site and has an experience less that what was promised, you are going to achieve viral marketing, alright…the bad kind. So be certain that your product or service is ready and is as advertised.

Viral Marketing Goes Mobile

Mobile devices, mobile phones and PDA’s are one of the last great frontiers of viral advertisement opportunities. However, we have become experts at filtering everything, our air and water, our e-mail and pop-ups, and our mobile devices as well. We are good at filtering.

The very idea of unwanted advertising streaming through our Blackberries is abhorrent. Mobile devices are the ultimate opt-in medium and, therefore, a great way for marketers to connect with users…if that’s what the users want. “WANT” is the key word here. How should marketers approach the medium?

There are three main ways to achieve this. They are:

1. Offer exclusive content. Anyone can offer ring tones. It’s the unique content, such as exclusive mobile images of new brand concepts, that drives interest and calls them out in other media like e-mail campaigns, newsletters, websites, etc. So a wireless campaign is most effective when it offers exclusive content for wireless devices.

2. Make it useful and timely. Think about what would be handy and helpful to have on a mobile device. Last year, for example, Food Network enabled Sprint customers to download shopping lists for their Thanksgiving dinners. There was a lot of “Sprint-envy” going around among non-sprint customers.

3. Clearly define objectives. Usually, one of two business objectives drives successful mobile experiences: incremental revenue of brand intimacy. On the intimacy factor, a text message usually takes priority over almost any other form of communication. Why? Because we haven’t yet been saturated with mobile spam, and this is what causes us to prioritize wireless messaging over voice.

Mobile marketing has been out there for a while but we marketers have new territory to explore. Video offers fantastic opportunities for engagement. Consumers already bypass their filters for highly useful or entertaining content and will do so for rich exclusive, compelling content.

Start Viral Marketing Campaigns Using E-books

Viral Marketing sounds like something bad but it is actually something very good. It is, also, a powerful way to generate traffic to your website.

Think about how a virus spreads from on person to another. One person gets sick and just by sneezing they can give the virus to many more people… those people get sick and share their germs with everyone they know and the next thing anybody knows is that there is an epidemic. That is the very concept of viral marketing. The idea is to get everyone to spread your marketing message around because they want to.

Now let’s look at using an E-book to start your viral marketing campaign. First you create an E-book… a really good one that has links to your website, to your sales page and affiliate links to products and services that you recommend… and you give it to three people. In the book you encourage those three people to give it to their friends and family.

Before you know it the E-book is spreading across the Internet like wild fire. Digital information duplicates easily and quickly so before you know it, thousands of people could be reading your free E-book.

Make certain that you let people know that they have permission to forward the E-book around the Internet. When you create the E-book, you have the right to give people certain rights. One of those rights could be that you allow them to give the book to other people. Make it clear that this book is free to give away.

You can write the E-book yourself, use private label content or you can hire a ghostwriter to prepare the content. There are a lot of ways to create an E-book. Once you have your E-book written, use software to create your E-book.

The Many Facets of Viral Marketing

In the beginning, e-mail was the one way that viral marketing was started. Since that long ago day, viral marketing has gone from a marketing strategy to an art form and there are many ways to accomplish the objective of creating a successful viral marketing campaign. Seven of those ways are:

1. E-mail: It was first but it is still around and still used. It is, however, getting a little harder to use as more and more government restrictions are placed on it. Still… it does work.

2. Newsletters: This is an extension of e-mail but it a very effective tool. If you include enough timely and valuable information, a good newsletter can drive up the number of visits to your website.

3. Blogging: Providing the tools on your website to enable bloggers to interact with one another is a terrific way to get the message about your product of service out there and being talked about. Bloggers have their ears to the ground for new products and services.

4. Chat Rooms: A chat room on your website can and does encourage interaction among your customers and that can’t be a bad thing. Also, you can use the chat room to schedule special events like having an expert available to answer questions on a given day at a given time.

5. Tell-a-friend Script: If you add this with a statement saying that e-mail addresses supplied will never be shared with third parties, you can increase your potential customer list greatly.

6. Video Clips: Including cool video clips on your website will keep the interest up and increase traffic.

7. Flash Games: Although they are a little costly to start, they are an extremely effective tool to get your viral marketing campaign going. Once they are launched, they require nothing more from you.

Using Chat Rooms in Viral Marketing

Spamming chat rooms or instant messaging systems with undifferentiated marketing messages is certainly not a very good idea. But if they are used the right way, these channels can be great to communicate with the market - especially to establish a dialogue with customers.

Have you ever been to a chat room and posted a message. If you have then you may learn some free web-advertising secrets on how to market your products and service in chat rooms. Chat rooms are usually broken into categories. You will need to find the right chat room where your targeted audience would gather. If there isn’t one, them you may need to create one.

It will be of no use to create one that is obviously for the sole purpose of selling your product or service. Rather, it needs to attract people who would be interested in your product or service. For example: If you sell garden products, your chat room should be on the subject of gardening and not the brand name of the products you sell.

Another way to use a chat room to promote your business is to include a chat room on your web site. Host a free online seminar in your own chat room about a subject of your expertise. Use your chat room to meet with your current customers and answer any questions or address and problems they may have. Regularly schedule free events in your chat room and be certain that your customers are made aware of when they will occur.

For example, you might have an expert in the field available to answer questions on a certain day and between certain hours. You might, also, host other people’s chat rooms as an expert yourself. You, of course, could charge for this but it might be wise to do it free to gain publicity.

Successful Forum Viral Marketing

In order to be successful using forums to do viral marketing there are some things that are required.

Do Your Homework: Prior to joining any forum, you must do some research.

1. Join relevant forums that are in some way related to the promotion’s primary sales market. For example, someone involved with a health related product, many types of forums could apply….everything from holistic medicine to stay-at-home moms.

2. Choose popular forums. There is no point in wasting your time and energy on forums that few members and few posts. Page raking and the amount of active members are two good ways to check for this.

3. Choose forums that allow sig tags. If it’s possible read the rules before joining and pay attention to them. Your time is important, too. It is better to find out that a forum doesn’t allow posts with sig tags before you go to the time and trouble of joining.

After You Have Joined: OK…you have chosen two or three forums that meet your requirements…now what?

1. Keep your sig tag short and update it regularly. The ideal thing is to limit yourself to one link, preferably to your main website.

2. Never create posts that are nothing more than an advertisement. This all but a universal rule and only displays the marketers lack of experience if he does so. At best this kind of post will be deleted by the monitors….at worst, it is grounds for being banned.

3. Work the room. Be an active member on the forum. Plan to spend at least an hour each day there and take the time to get to know the users. Take the time to introduce yourself with intelligent questions depending upon the forum’s topic.

As a marketer becomes a regular member, they will hopefully develop a good reputation and without saying a word about their promotion, those who are interested in their product will approach them.