Why Has Online Dating Become So Popular?

The increasing number of dating sites goes to prove that this form of dating has become very popular. The fact is that these sites all have members meaning that large numbers of singles are trusting in them to find them the kind of relationships they could be looking for. But what exactly has seen to the increased popularity of the sites?

Exposure - If there is one major setback that comes with traditional dating is limited exposure to potential dates depending on where you stay and work. But with online dating, the boundaries are broken and you get exposure beyond your neighborhood and country. It is possible to meet singles across the globe and this comes is a good thing because the probability of you finding a compatible partner is quite high.

Convenience - Life can be hectic, especially when you have too many responsibilities because then it means you have less time to attend to other areas of life such as dating. The good thing about online dating is that you can maintain a relationship without having to interfere with your working schedule as it is the case with traditional dating. Considering that chats and emails are commonly used in online dating, you can handle them as you go about your usual duties and tasks. You also enjoy the flexibility of dating at any convenient time, even before retiring to bed something that would be impossible to do when you choose offline dating.

Flexibility - Online dating does not only make you flexible in time, but also in the number of dates you can have at a time. You can contact as many singles as you like and have the freedom to evaluate and drop them one at a time depending on your preferences. You can easily refuse approaches and end contact without worrying about hurting the feelings of other singles. You can also have more than one relationship going before making your choice without any awkward moments as it happens with traditional dating.

Variety – People have varying dating preferences. For instance, whereas some might be interested to date a different race, some would rather stick to their races and locations. Some might be interested in finding love and getting into serious relationships while others would rather do casual encounters with no strings attached. Online dating sites cater so such needs, offering a variety of all singles. Some sites actually accommodate singles from specific age groups and this is a feature that makes it easy for the singles to join the most relevant sites depending on what they are looking for. It is something that would be hard to do when dating offline.

Discretion – It is another thing that has made online dating popular today. When you join a dating site, you can keep it a secret for as long as you want or until a time when you are sure about the relationship and then you can let everyone who matters now about it. The privacy you enjoy can save you from ridicule that can arise from recurring relationship failures and it also gives you the freedom of enjoying relationships that would otherwise not be approved by people around you.

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Smart Leadership in the 21st Century

Although we may claim that the world has gravitates from authoritarian rulership and that most countries in the world operate under a democratic ambience, but in certain parts of the world and over certain organisations preside some leaders who still lord over their followers without giving them a say at all in the affairs.

Every nation and society has its own leader, but what distinguishes the smart leaders in the world today from the bosses and the not-so-smart leaders? Consider the following traits.

The first trait of the smart leader in the 21st Century is that the leader has to EVOLVE. He should keep up with the times, with the latest techniques and updated information. Knowledge is power and the knowledgeable leader is not one that can be easily deceived or pushed about. The societies that use the most advanced methods in everyday life are the ones that lead the pack in today’s world.

In addition, the SMART leader is:

S- Simple/Straightforward: The good leader has to mean what he says, and say what he means. He must not be deceitful. His followers must be able to trust him and take his word for it in every circumstance. What he does not intend to do, he should determine not to say it. Also, the smart leader in this century must be a man of simple ways, words and lifestyle.
Gone are the days when leaders were marked by 100-foot billowy robes, with twenty servants carrying the clothes from behind. This can be tolerated from a bride in a wedding ceremony, but not from the world-class 21st Century leader. He should not live a complicated lifestyle or be unnecessarily extravagant. Simplicity does it these days.

M- Malleable: As mentioned earlier, the smart leader must be malleable, not rigid. He must be able to bend his views when it is necessary. He should be able to lower his standards when it is necessary.
Compromising your views at certain times is not a trait of the weak, but that of the intelligent. He should not insist on the status quo, or cling to ideas just because “that’s the norm here!” The norm is usually dumb. He must have a teachable heart that can learn new information at every opportunity. He must be malleable enough to learn from both young and old, rich and poor, male and female-anybody.

A- Accountable: Aha! Did the smart leader expect I won’t add this? It is inescapable for the smart leader to be accountable for all the human and other resources committed to his care. He must not be corrupt. Every penny in his administration must be accounted for. He must guard his citizens and his domain with the same intensity as well.

R- Resourceful: The leader must also be one with a limitless river of ideas constantly flowing for the betterment of his organisation. He must be very creative and actually SMART. As in, really intelligent. If a dumb leader is put over a domain, he will mismanage and diminish it. The leader must be able to multiply the little he has been committed with, and multiply it. He must commit to being constantly trained in order to further equip his intellectual arsenal.

T- Technology Literate: Finally, in this Internet Age, many wars are won or lost on social media. The smart leader in the 21st Century must be one who is very much versed in at least some high-tech devices. He must not be an illiterate with the computer or with the internet. He must make it a point of duty to learn the use of one new technological gadget every six months. That will set him apart and make him the man/woman to beat by the other leaders. He will find out pretty soon that he is a trail blazer in leadership. It does not matter whether he is presiding over a family or over an entire nation, such person will be a trail blazer.

Emmanuel Sokefun is a freelance article writer, in addition to being a novelist, poet, hymnist, songwriter and a lover of the academia.

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6 Tips Before You Rent a Boat

Sailing a boat is a great experience, especially when you are sailing with your friends or family. It’s true that not everyone can afford to own a boat to have the sailing experience, but that doesn’t mean they can’t do it. If you want to sail a boat but don’t have the money to buy one, you can use another option and rent one. However, you should know a few things before going this route. This will make sure that you will be on the safe side.

Tip #1 Reserve a Boat Ahead of Time

In summer, the demand for boats is higher than in winter. Therefore, you may find it harder to find a boat that hasn’t been taken. To avoid this situation, we suggest that you make the reservation a few weeks earlier. As soon as you have confirmed your vacation dates, you should have a boat reserved.

Tip #2 Consider Your Needs

As a beginner, renting a fast boat won’t be a good idea for you. But if you have a friend with you who knows how to sail a boat, then you may go ahead and rent a fast one. Another thing to keep in mind is that the selection should be based on what you want to use the boat for. For instance, not all types of vessels would be suitable for fishing. For recommendations, you can get in touch with the boat reservationist.

Tip #3 Rent a Well-maintained Boat

The boat you are going to rent must be in good condition. In other words, make sure the boat doesn’t have any defects. But the question is how can you know if the boat is in good working condition? Well, you should take a look at the rental office or building. If the building is well maintained, the boats will also be in good condition and vice versa. Remember: sailing a damaged or defective boat may put your life at risk. So, you should never compromise on this factor.

Tip #4 Use Charts and Maps

The boat you are going to rent should have the latest charts. They will make it easier for you to know the directions to wherever you want to go. Since waterways change from time to time, having the latest maps is highly recommended.

Tip #5 Safety Is of Paramount Importance

The most important thing in our lives is safety. So, make sure that the boat has all the required safety equipment. Also, the law doesn’t allow you to use a boat if it doesn’t meet any safety requirement.

Tip #6 Communication is Important

The boat you are going to rent must have a working on-board radio. In case something goes wrong during sailing, you can use the onboard radio or your cell phone to call for help. Also, don’t forget to save the important numbers in your phone before you board the boat.

So, these are some boat renting tips that you should note down and take into account before renting a good boat.

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Online Shopping for housewarming and weddings in Lebanon and Middle East Where does it stand today?

Why is Lebanese e-commerce so dormant?

The retail sector has evolved drastically over the past decade. Buyers are no longer limited by the physical presence of inventory, nor are they forced to vent into their overheated cars, get stuck in hours of traffic, only to find out that the overcrowded shopping center has run out of their favorite item.

E-commerce has allowed users to purchase anything they would like with the click of a few buttons and a couple of days of delivery time. Lebanon, with its increasing internet and credit card penetration, as well as its tech-savvy and trendy shoppers should be one of the region's first e-commerce adopters! Neverheless, Lebanon still relies very heavy on bricks-and-mortar shopping, while online shopping is only given a second (third, fourth, or fifth) thought! So why has e-commerce in Lebanon and the Middle East lagged behind the rest of the world? Below are the three major reasons why Lebanese e-commerce has been struggling to catch up:

1. Lack of viable payment portals:

The country has two reliably out-dated payment portals that do not integrate with the websites. As such, customers are directed to external links and forced to re-enter their credit card data for every purchase. This is highly impractical and reduces the ease of second purchases.

In addition to the out-dated nature of the payment portals, they command a monopoly on the market and charge exorbitant fees: $ 350- $ 500 initiation fee, 3.5-4.0% transaction fees, as well as $ 35- $ 50 / month "maintenance" costs .

Furthermore, the lack of Paypal and other online payment portals in Lebanon creates an incentive challenge for e-commerce businesses.

"Ease of payment" is ranked as one of the highest conversion factors for e-commerce businesses. Lebanon provides dismal options, and then online businesses struggle to provide dynamic options such as one-click purchasing and Paypal.

2- Lack of practical online shopping:

Most new e-commerce businesses in the Middle East have been set up to cater to the "trendy" and "hip" crowd. They offer flash sales of highly priced designer items, indexing of exclusive local boutique designers, or niche gift items that cater to niche consumers. Furthermore, the "old guard" of e-commerce in Lebanon provide the typical online gift selections flowers, chocolates, teddy bears, and other "one-off" emotional gifts.

With the exception of very few sites, most Lebanese websites have a very basic design with little attention to practicality and detail. Menus pop-up in impractical ways, data entry is challenging, and most products are not searchable.

Examples of these "old-guard" websites are:

Exotica flowers: This site charges high shipping costs, overcharges for its bouquets, and tends to deliver smaller and cheaper bouquets than it promises online (it's happened to me on multiple occasions!). Furthermore, they only deliver flowers! They are one of the highest ranking e-commerce sites in Lebanon at 1.3M globally (www.alexa.com). They also take credit for adopting the online delivery system early, although they have not felt the need to improve due to lack of a sizable competitor.

Buy Lebanese: Colors, fonts, sizes, photos, and boxes are not user-friendly. Neverheless, they rank pretty high on Alexa.com: 2.5M globally. This group takes credit for being one of the early adopters of e-commerce in Lebanon! Hat-tip to their foresight!

961 gifts: not sure about the website name, the design looks basic, but menu items are clear. Their product strategy is broadly based on flowers, perfumes, cosmetics, and brandless accessories – 4.2M global ranking

Examples of the newer "niche consumer" sites are:

Lebelik, Eezmeez, Marka VIP

Some of the newer websites have focused on great design and have achieved relative success in the hip and young markets. Nearheless, away from Marka VIP which is based in Dubai, none have managed to truly achieve a sufficiently large market.

3. Purchasing power is in the expat community

Businesses that focus on the local online purchasing power will struggle in the short term. Hopefully this will change as Lebanon progresses ( hopefully) . However, until then, the buying power for Lebanese e-commerce sites will be coming from Lebanon's expat community seeking to provide gifts to their families and loved ones in Lebanon. This creates a rather challenging market for e-commerce businesses. How do you target your Diaspora? Who is your target consumer? Is the market over-fitted with one-time gifts such as chocolates, flowers, and niche designer items?

How to fill the gap

As such we identified the need for the establishment of a practical well-priced website that provides customers practical and quality options for gifts or personal use. The reasons I believe that such a model will overcome the sector's challenges are:

A- The payment portal technology will inevitably improve, along with the market's trust of online payment

B- The market is arranged with one-off gift items that typically fall under the flowers, chocolates, and traditional gift items. Therefore, competition is minimal

C- The market has seen high quality designer boutiques pop up online, but these only cater to a niche market segmentation. Highlighting the fact that the adoption of online purchases is on the rise

D- There is no website that provides practical useful household gifts with high quality branded items

In summary, there is a gap in well-priced high-quality branded items online in the Middle East and Lebanon. There is a gap in websites that provide quality household items such as Riedel, Nambe, Pip Studio, Bodum, Greenpan, Images D'Orient, Voluspa, as well as many other global brands. Rather than sending flowers, chocolates or highly-priced niche products, the consumer would not want to have an online option for:

A- Housewarming gifts to Lebanon

B- Wedding registries in Lebanon

C- Wedding gifts to Lebanon

D- Lebanese gifts that do not involve cheap chinese products, high-priced niche items, or flowers and chocolates!

Thanks!

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Hobby Classes For Children

Parenthood is definitely the toughest and the most challenging task. From giving birth to a child to growing him up into a civilized human, parents have to face various turbulences in life. The way the child grows and what he becomes in future is all influenced by the way parents handle their child and the kind of environment they give. As the child grows up it is very important to keep him active and busy into good activities. More of free time makes your child lazy and pushes him to get indulged in something that may not be good for him. It’s the job of parents to choose some constructive activities and pastimes to ensure healthy growth and development of their child. This is where the role of hobby classes comes into course.

Hobby classes for children are the best pastimes for them that contribute to their overall development. It also plays a vital role in exploring their hidden talents and boosting their self confidence. Children also discover their skills and abilities during the course that they use to their benefit to showcase their credentials in due course of life. Nowadays there are many hobby classes conducted in various places. Some are regular classes and some classes are conducted during vacations so that children can make wise of their holidays. The only thing that parents need to consider is the interest of their children. They should not push their children to learn something that they are least interested in.

Some of the most popular hobby classes for children are art and craft, dance classes, music, and sports. Art and craft classes are great for those children who have a passion for drawing. A class like this will help to enhance their drawing skills and help them explore their imaginations and creativity. Art and craft classes include variety of courses like drawing, flower making, basket making, greeting cards, paper decorations, and jewelry making.

Dance classes are also of various types like free hand dancing, kathak, bharatnatyam, hip-hop, salsa, jazz, and movie dance. These classes contribute in boosting self confidence and bring an open outlook towards life. Dance makes children more expressive and helps in improving the coordination between heart, mind, and body. This coordination is really essential in human life as it influences our behavior and controls our daily activities. Music and singing classes are also very impressive for children. Almost all children are influenced by the movies and enjoy music to a great extent. Vocal music, singing classes, guitar training, tabla, and harmonium are all different types of music classes that are conducted for children.

Children today are also involved in various sports activities like skating, cricket, tennis, badminton, and swimming. All these activities make children sporty and active. It not only enhances physical activeness but also offers freshness to mind and calmness to heart.

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Rental Property Management: Is It Really Worth It To Hire This Service?

Why should I hire the services of the rental property management organization to look after my property given on rent? It would be the first question from every landlord who has given his property on rent, if you ask them to use the services of any such group existing in your city. You will agree that when a person lets his house or any part of his house for rent, his main goal is to earn profits from it to enjoy a better life and make payment of his various bills.

Giving a house on rent is one of the oldest practices carried across the world. If there are any used parts at home, people give it on rent to earn extra income from that part. To a certain extent, this practice seems possible to earn more income in short span of time without investing a single penny from the pocket. But, when a person has a huge amount of properties under his possession and he has given all of them on rent, then looking after all those properties at the same time could be complicated for him, until unless he has enough time to look after them or has someone to take the care of those properties in his absence. However, for that it is imperative that either you or the other person taking care of your property should have proper knowledge of handling the property given on rent.

This is mainly because of lots of legal formalities associated with it, moreover, there are certain conditions where being a landlord you have to sort out any issue arising from your property to your tenant. Let us, for instance, say, while giving your house on rent you told your tenant that the house is equipped with an electrical converter to lighten the house during the power cut. But, during power cuts if that electrical converter did not work, then at that time it is obvious that your tenant will call you and complain about that issue. In such situation if he is residing in your house then it will be easier for you to rectify his problem, but if your rented house is quite away from your residence, at that time going out of home to solve the issue of an electrical converter will be laborious and irritating for you. Therefore, to cope with all these issues it will be better for you to acquire the service, property management group to look after all such complicated issues.

The above mentioned illustration of an electrical converter is just an example to understand the relevance of the services offered by a property management group. There is a plethora of services offered by the expert working in these groups. These experts are well-versed with all legal activities which are expected to be performed by the landlord. Do you know, that before allowing someone to live in your house as a tenant it is imperatively expected from the landlord to cross check the background of your prospective tenant? May be your answer is yes, but do you know what to do if your tenant makes excuses in paying the rent on time, or starts making improper use of your prospective tenant. Hiring the services of experts working in property groups will help in overcoming all these problems.

These experts will properly advertise about the availability of your property to rent, conduct their interviews and cross check their credit from the local police station. Will collect rent from them on time. Make regular inspection of your property that it is not being damaged or improperly used by the tenants. Look after their phone calls during odd hours and reach at the site to solve those issues. These experts will also help you in getting your house vacated from the tenants before the expiry of the agreement, in case if you wish to use the house for some personal work. Not only this, if at the end of tenancy agreement your tenants wish to continue the agreement, in that scenario, these experts will get all the paper work done strictly according to the rules and regulations, prescribing the new terms and conditions related to the rent and use of the house.

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Why So Many People Will Talk You Out of Online Marketing

In this modern society where almost everything is digital, it is hard to believe that there are still those who prefer traditional methods, such as in the field of advertising.

Online advertising has been a hit in the last decade. Internet marketing has taken over businesses by storm and doubled their revenue. However, some people still see the field as unnecessary and taxing so they try to convince others to veer away. Below are other reasons why some individuals dislike online marketing:

Inability to adapt with technology
A person may refuse the method because they may not be technology savvy. They are afraid that technology is hard to monitor or manipulate so they choose to stay manual.

Mastery of craft
A lot of traditional people spent years perfecting their craft, so they believe that their capabilities are sufficient. Online marketing is a threat to physical advertising because it minimizes the need for logistics, hence the repulsion.

Less Jobs
Some people think that digital work reduces employment opportunities due to computers replacing manual labor. Only a handful of people are necessary to make internet marketing work.

Information Breach
Putting everything on the internet is a risk for hacking or information leakage that’s why many are skeptical about it. Online marketing requires a substantial amount of data that can be easily stolen or erased.

Lack of Equipment
Many marketers don’t have reliable internet or computers to handle critical work. Manual advertising is easier to delegate and segregate, so smaller businesses prefer it.

Lack of Empathy
Advertisers believe that online marketing is not good for client relations because it promotes a more detached form of communication and a robotic response. Manual advertising is more personal so it is easier to convince people.

Lack of Authenticity
Marketers are wary of online advertising because people nowadays are harder to convince, especially in terms of the authenticity of a product. Since everything can be manipulated or edited, they would have to work more to attract clients.

Population of Non-internet users
A big percent of the population is still manual so it is impractical to promote online marketing in these areas. Online commercials only work with regular exposure but if the audience only uses the internet a few times then it is a wasted effort. Manual advertising is beneficial when people are more inclined to support physical efforts or are part of a community network.

Promotes Mediocrity
Senior marketers believe that online marketing encourages laziness in the younger advertisers because most materials can be recycled, edited or rehashed. Marketing is a skill developed from experience and virtual training may not be enough to develop and create a better breed of advertisers.

Technology is a waste
People believe that using gadgets and computers are harmful to the health of workers so they don’t encourage the employment related to such. Manual advertising promotes brain functions through practice and personal relationships development. It is important for some people to backlog technology to help the environment.

Despite the many reasons why people may talk you out of online marketing, it is still undeniable that this form of marketing has a lot of potential. Learn how you can maximize the web when it comes to marketing your products and services, so you can expand your reach.

John Richards has many years of experience creating and developing books, eBooks, manuals, and videos, on a variety of subjects, including online wealth, pet care, Internet marketing, direct mail, health and wellness, and CD/DVD distribution service. John’s website provides ideas and practical advice for people who want to enjoy the rewards of earning an income from home using simple websites.

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Ethernet Cables – Red, Yellow, Or Blue?

Ethernet cables come in many colours, it’s common to see red, green, blue, yellow, white and grey leads in every office. A lot of people get confused when they are buying a new lead as they wrongly believe the different colours do different jobs. A coloured Ethernet cable is used for identification. If you have an office network that has many connections, it can be difficult to know which cable goes where. This is why coloured leads are used, you can easily identify that the blue cable is connecting computer A to the network whilst the yell one is connecting computer B and the green goes to computer C. It’s not uncommon to see leads being sold in twenty plus different colours.

Another reason to use coloured leads is to help set up new equipment. Many internet service providers will send a free modem to the customer when they take out a new connection. Not everyone is confident at setting these modems up, they can come with two different types of lead, an RJ11 ADSL lead and an Ethernet cable. Both of these cables look very similar and many people try to connect the RJ11 lead into the Ethernet socket. Internet service providers use coloured leads for this very reason. The instruction book will advise the customer to connect one end of the blue Ethernet cable (or whatever colour is supplied) to socket A on the modem and then to your computer, this avoids any confusion and probably saves them from thousands of technical helpline calls each year.

Whatever the reason for replacing your Ethernet cable, maybe you need a longer length as you have moved the computer, the dog may have chewed your original, you may be trying to increase the speed with a better quality cable (we cover that in another article) or you may simply have lost the lead when you moved house. You can rest assured that you can use any coloured Ethernet cable. The only caveat to add would be to ensure you do not buy a Crossover cable, these are used to connect two computers together without using a router, they are always clearly advertised as Crossover and it would be difficult to buy one in error.

If you are looking to upgrade the speed of your connection, an easy and cheap upgrade is to opt for a Cat6 cable. Cat6 cables are cable of faster Gigabit speeds and are backwards compatible with standard Cat5e systems.

When buying a new lead it’s a good idea to look online, there are big savings to be had. Many online stores can sell at a fraction of the price a high street store as they have less overheads. For a short two meter cable, you should expect to pay around three pounds.

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The Best Places To See If You Go To Italy

Ravioli, Tiramisu and lush red wine- we all know how amazing all of these things are in Italy. But another thing that Italy is famous for are its beautiful and renowned travel destinations. This country is filled with remnants of the Roman Civilization and extraordinary architecture from the past. What most of us don’t know is that Italy is actually home to the largest number of UNESCO World Heritage sites. Literally everything in this country is worth seeing. But for those of us, who don’t want to or don’t have enough time to go through the whole countryside, here is a list of places you can visit to ensure you get the best of Italy:

1. The Leaning Tower Of Pisa:
This architectural beauty is actually a mathematical phenomenon that still confuses many brilliant minds. The tower of Pisa, famous for its incline is actually a wonder of the world which the most important reason for you to see it. And if you’re a fan of archeology then that’s an added bonus as well. People from all over the world come here all year round to view this. And if you’re planning to go to Italy as well make sure you book your tickets using Alaska Airlines.

2. The Colosseum:
The Roman Colosseum is also one of the Wonders of the world and is the largest amphitheatre in the world. This was created by the prehistoric Roman Leaders and is one of the biggest mementos of the Roman Civilization. It has more than 80 entrances and can house more than 50,000 people at one time. This amphitheatre was actually made as a center of sports and entertainment and has hosted several such events throughout history. However, its condition has deteriorated significantly over time due to natural disaster and climatic conditions.

3. Venice:
The city of Gondolas and water, Venice is a sight to behold for anyone who loves water. The city is famous worldwide for its beauty and the fact that it has been built completely on water. If you’re a romantic at heart, then this is the one place that you should definitely not miss out on. The structures here are comprised of over 150 canals in such an intricate manner that further enhances the beauty of the city.

4. Piazza Del Campo:
The city of Tuscany is home to one of the most beautiful and magnificent medieval squares – The Piazza Del Campo. This seems to be very common in Italy, but this structure also has some of the beautiful architecture that has been seen in the world. Twice or thrice a year a horse race is hosted here which involves circling the Piazza Del Campo and that is definitely a sight to see.

So book your ticket to Italy today using Alaska Airlines and remember to have a lot of fun and stress less holiday!!!

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The 8 Questions You Must Ask Before Working With Any Business Credit Building Company

There are few business credit building companies out there, however, those that are out there are taking advantage of the lack of knowledge from the general public regarding business credit and how to get a business loan.

DON’T LET THEM RIP YOU OFF!

I’m going to try to show how to get unlimited capital for your business…

Without risking your personal assets, lowering your personal credit score, or damaging your personal credit history

These 8 Simple Questions will ensure Your Success Building Business Credit when looking for a Small Business Loan

There are simply too many people who hire business credit building companies that are not happy with the results. Before choosing another company, if you ask these 8 questions you will be assured that you will be working with a legitimate company who can help you build business credit and more importantly get the small business loan you seek. Getting that business loan is after all what you’re looking for, isn’t it?

Why is it so important to work with knowledgeable advisor? Why can’t you do it on your own? The Fair Credit Reporting Act does not apply to the business credit bureaus; this means that if you make a mistake, skip a step, try and take a short cut, your business credit file can be “Red Flagged.” This means your company is prohibited from receiving credit and perhaps that elusive business loan.

There is a proven step-by-step process that MUST be followed if you plan on properly building your business credit and getting working capital. If you don’t follow the proven process then you can be put into the “High Risk” category. When that happens, no lending institution will give you a cash advance or small business loan and there is nothing you can do to remove it.

Make sure to choose a honest credit building company that has the knowledge, experience and proven systems to support you, before you decide whom you will work with, make sure to ask them these 8 vital questions.

Question #1

Will I be obtaining only trade credit or CASH credit?

Be careful, there are a number of companies out there that will only help you obtain trade credit. Trade credit can only be used with the individual creditor, and nowhere else. This is great if you need $3000 of paper products, but is useless if you need payroll loans, inventory loans, or simply to cover business expenses or expand your company.

And if it is CASH credit, will I always need to personally guarantee the application?”

If the company says you will always have to personally guarantee all types of credit – then you are NOT receiving the full benefit of business credit. Keep in mind, the solution must introduce you to business funding services that will not require a personal guarantee, however these non traditional lenders will still be checking your personal credit and need your social security number. They do this to stay in banking compliance.

Question #2:

Will a trained coach show me, step by step, how to incorporate my business and build business credit with an eye to getting that merchant loan or business loan?

My guess is that if you wanted to figure out the intricacies of incorporating your business, and building corporate credit on your own… you would have already done so. (I’ve done it. And believe me… this is NOT stuff you want to muddle through on your own.)

So if you won’t be receiving step-by-step instructions supported by a trained credit coach, resulting in a predictable successful outcome, call another company. (I’ll spell out each step for securing business loans without traditional personal guarantees in crystal clear detail in a later article).

Question #3:

If I get stuck while I’m taking all those necessary steps, will I have to pay you hundreds or even thousands to help me figure it out?

Many companies charge low fees up front and continue to tack on heavy, additional charges each time you call or write for help.

Make sure they deliver everything you need to know to secure a bad credit business line of credit or high risk business loans, all without the traditional personal guarantee. Make sure you will have access to a dedicated coaching advisor and who places no limits on how often you can speak with them.

Question #4:

Will you have the ability to set up capital loans, and monitor the development of your business credit score with all major business credit agencies all within your coaching platform?

Why work with an advisor who is trying to blindly lead you!

Question #5:

When companies promise to get you cash credit, ask them this pointed question: “What type of paperwork is required to get cash lines of credit?

Beware of companies that say it is not required to furnish any financial statements, tax returns, business plans, bank statements, etc., to obtain a small business loan without a traditional personal guarantee. When it comes to getting approvals for cash advance without a traditional personal guarantee, you will need to show that your company is financially responsible and you do this by showing it earns revenue, pays its bills on time and has establish good business credit.

If the company tells you that you can obtain this type of financing without providing any real documents, don’t bother working with them, they are not being honest.

Think about it, is a lender really going to give you hundreds of thousand of dollars without a traditional personal guarantee without you having to show them that you are a “safe-risk?” Over time I will show you exactly what you need to do in order to become a safe risk and secure a small business loan.

Question #6:

How are your coaches paid?

This is a really important question! How would you like to work with someone that could care less if you obtain the business loan you desperately need? Think about it!

Question #7:

When it comes time to apply for a business loan, are you going to pass me off from lender to lender?

This is another very important question. Virtually every credit building company will, when it is time to apply for a business loan, pass you off to one lender to apply, and then tell you to go and apply at the next lender and so on. They literally end up sending you on a wild goose chase and just hope that one of the non traditional lenders can obtain capital loans for you. Does this sound like something a real business credit and financing expert would do?

Question #8:

What kind of a guarantee do you offer?”

It’s critical to get the specifics about guarantees. Because most companies that offer guarantees or promise only that your corporation will get a 80+ Paydex score. While this is a start, it’s not good enough -

If after completing your program, you should have:

Corporate Compliance and documentation review

D&B file and a D&B rating

D&B Paydex Score

Business credit file with Corporate Experian with an intelliscore

Business credit file with business Equifax with the appropriate business credit score.

Trade accounts and/or Vendor Accounts with and without a personal guarantee.

A Business Credit that can be used to leverage financing opportunities

This is not, by any means, a comprehensive list of all the questions entrepreneurs should ask when it comes to building corporate credit. But if you address these costly and dangerous errors, you will be on your way to building a safe, secure, and financially sound business-the business you always dreamed of!

Hopefully, these 8 questions will help ensure that you work with a credit building company that will be honest, upfront as well as help you successfully establish your business credit and leverage it into new small business loans and opportunities for your business.

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