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------------------------------------------------------------ SMALLBIZBITS NEWS ---------------------------------------------------------------- Your Home-Based Business Resource On The Internet! smallbizbits@yahoo.com Visit Website To Read New Articles: http://www.smallbizbitsnews.com January 15, 2006 Editor/Publisher: BB Lee This Newsletter Is For The Home-Based Business Owner. Or anyone who is thinking about starting a business from home. Ezine Description Page: http://subs.zinester.com/46401 Archives Index: http://archives.zinester.com/46401 ------------- QUOTE... Goals help you channel your energy into action. Les Brown (All quotes, jokes, and trivia supplied by Stan) ================================================================ ATTENTION: You are receiving this newsletter because you subscribed to it. If you would like to be removed from this mailing list, please see the instructions at the end of this newsletter. Our subscribers list is NOT made available to others. We value and respect your privacy. ================================================================ IN THIS ISSUE ================================================================ ==>Editor's Welcome! ==>What's New ==>Home Based Biz Idea ==>Featured Article ==>Guest Writer ==>Web Pick ==>Ebook Pick ==>Classified Ads ==>Contact Information ==>Plus More ================================================================ Editor's Welcome ================================================================ Hello Readers! And a very special welcome to the new subscribers. Thanks for joining our list! If you have an original article you would like to share please send to Smallbizbits News. I would prefer you submit the article via the form on http://www.smallbizbitsnews.com/writersubmit.htm If selected we will feature it in an upcoming issue along with your byline! Thanks for reading. BB Lee Editor/Publisher SmallBizBits News \\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\ POP QUIZ: How Many F'ree Subscribers Can You Get Per Day Using this Powerful New List-Building System? Go here to find out... http://www.optinstorm.com/?6185 AOL Hot Link ___________________________________________________________ Our Sponsors ___________________________________________________________ "Insider Secrets" Online Wealth-Generating System... This system will work for you, and you'll start living the dream of "passive" income with your very own Internet business. Details Here http://www.marketingtips.com/t.cgi/858694 _______________________________ Data Entry Jobs Online. Hurry This Opportunity Will Not Last. http://tinyurl.com/8nlfg ------------------------------------------------- Start Your Own Secretarial Business The Quick and Easy Way... and Grow it in Record Time ... 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For more information: adverts@sendfree.com --------------------------------------------------------------- WHAT'S NEW ---------------------------------------------------------------- ---------------------------------------------------------- "Test-Drive" the EXACT System a Regular Guy From Nebraska Used to Rake In $8 MILLION eBay... in Just One Year! ---------------------------------------------------------- For a limited time only, you can take home the same system that self-made eBay millionaire Brandon Dupsky used to generate $20 million in sales on eBay, risk-free for 30 days! Now anyone can start a profitable eBay business using this simple system... and be making a profit within 24 hours! If a regular guy from Nebraska can earn a fortune selling everyday items on eBay, YOU can too! Visit: http://www.auctiontips.com/trial-system/t/858694 ------------------------------------------------------------ Home Based Biz Idea ------------------------------------------------------------ Surveys For Pay Many legitimate ways exist to make anywhere from $5 to $125 per hour taking surveys online. This is an excellent way to make a few extra dollars per month. If you join a dozen or so surveys you will increase your income. Join a special focus group and you will receive the most money. Details Here! http://tinyurl.com/97wyk ----------------------------------------------------------- FEATURED ARTICLE OF THE MONTH ----------------------------------------------------------- Three Steps to Starting Your New Business With a Clean Credit Score Author Michael G. Peterson 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 http://www.freecreditreport.com. 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! Michael G. Peterson is the Vice President of American Credit Foundation, an IRS 501 (c)(3) non-profit consumer credit counseling organization that has assisted thousands of individuals and families with their financial situations through seminars, education, counseling services, and, debt management plans. For more information, and free consumer resources visit http://www.debtguru.com/ ----------------------------------------------------------- Featured Web Pick ----------------------------------------------------------- Annualcreditreport.com Free credit report. http://www.Annualcreditreport.com ------------------------------------------------------------ SmallBizBits Articles ------------------------------------------------------------ View Online Articles: http://www.smallbizbitsnews.com/articles.htm Featured New Articles....... -->Your Home Business Success Starts With..... http://www.smallbizbitsnews.com/wr14.htm -->Three Steps To Starting Your Business With Clean Credit .. http://www.smallbizbitsnews.com/wr15.htm -->Attract More Customers With Magic Of Marketing. http://www.smallbizbitsnews.com/wr16.htm -->Accepting Credit Cards Positive vs Negative http://www.smallbizbitsnews.com/wr17.htm ----------------------------------------------------------- Ebook Pick ----------------------------------------------------------- "Super Affiliate Handbook" Check out this book on super sales profits. http://tinyurl.com/dbgdw ============================================================== Home Business Tools ============================================================== For a complete list of Home Business Tools Click Here: http://www.smallbizbitsnews.com/biztools.htm =================================================== Ezine/Newsletter Ad Swap/Link Trade =================================================== Swap Ads/links With SmallBizBits. Send your information to the editor. Write Ad Swap/link trade in message line. editor@smallbizitsnews.com --------------------------------------------------------- HOME BUSINESS CLASSIFIED AD LINKS --------------------------------------------------------- Data Entry Jobs Online. All you need is an Internet connection, computer, typing knowledge. Hurry This Opportunity Will Not Last. http://tinyurl.com/8nlfg =========================================================== $7*500 Unsecured Platinum Line of Credit! No Credit checks or Turndowns! No Employment Verification! Monthly Credit Limit Increases! Establish Credit by reporting to a major credit bureau! http://www.adreporting.com/dir.php?a=683313&p=583&w=text =========================================================== The Ultimate Guide to Starting a Day Care Center Just released: New Day Care Center Starter-Kit contains all the necessary information you need to successfully launch and grow your own Day Care Center. http://www.startingadaycarecenter.com/swres/xy123.html =========================================================== SPECIAL NOTE: Katrina flood victims need your help. American Redcross. 1 800 HELP NOW OR www.redcross.org ============================================================= HUMOR CORNER ============================================================= Visit FreeCoolJokes For Outrageous One Liners, Celeb Quotes And Silly Jokes And Fun Games! http://www.geocities.com/freecooljokes/ ---------------------------------------------------------- SUBSCRIPTION MANAGEMENT ---------------------------------------------------------- To Subscribe or join this Newsletter: To subscribe: Send a blank e-mail to: 46401-subscribe@zinester.com to Unsubscribe or be removed for this Newsletter: To unsubscribe: Send a blank e-mail to: Unsubscription URL:46401-unsubscribe@zinester.com ----------------------------------------------------------- CONTACT INFORMATION ---------------------------------------------------------- E-mail the Editor: Smallbizbits@yahoo.com Editor/Publisher, BB Lee Assistant/Writer, Alexa D. Lee Copyright 2001-2006, Smallbizbits News ------------------------------------------------- DISCLAIMER: SmallBizBits accepts no responsibility for the content or legality of any article, or other information in the newsletter. The final decision to accept or act upon information is the readers alone. ************* This publication includes original material plus content found elsewhere on the Internet that fits the theme of the newsletter. |
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