Category Archive : Business

Do you keep your promise? If you don’t but still wish you could keep your promises, read these motivational quotes on promise given below to get some motivation to keep your promise.

Try not to make promises that you cannot keep. In fact one should never do one according to Napoleon Bonaparte, he has said: “The best way to keep one’s word is not to give it.”

One of the quotes on the subject under discussion that I really liked is: “A guy promises you the world and gives you nothing, and that’s sadness.” This is what Otis Rush says and teaches us in simple words to be careful with those who make great commitments without wanting them.

It’s also good to quote these motivational quotes on the given topic to someone you know who doesn’t keep their promises. But is it really that important to keep the promise(s)? Some of the famous people don’t even think they should try to keep their promises. I have also quoted them in this article for those who want some inspiration for going back on their word.

Here are three motivational and inspirational quotes about promise.

1. Better a broken promise than none.

Mark Twain

(Now this quote is quite different from the others, as the author has a reason to make a false promise and also a good one.)

2. Those who promise and delay lose their gratitude.

a proverb

(Just keeping your word is not enough, make sure you don’t delay your promise).

3. Promises are like the full moon, if they are not fulfilled immediately they decrease day by day.

german proverb

(This quote emphasizes the importance of keeping your promise once instead of delaying it forever like politicians who have all the delaying tactics in the world to delay the promises they make.)

Now what do you think after reading these quotes? Remember them and quote them to others and spread the motivation to keep a promise.

I work with all types of entrepreneurs. Some are happy to sign on the dotted line to secure a loan. Many don’t mind using their home or assets as collateral for their business because they believe in themselves and believe in their business.

But there are times – and circumstances – when someone doesn’t want to – or can’t – use their personal guarantee, their personal credit. Sometimes an entrepreneur cannot or does not want to use his personal assets. So what can they do?

They can build business credit, often unsecured and without your personal guarantee. Provided business owners find the right ‘business credit coach’, it’s very possible to set up business credit cards, lines of credit, loans, and business terms with vendors of all kinds. As I always say, when looking for these trainers, make sure you pick the right one. There are good and bad.

These business credit coaches offer a step-by-step process that results in a solid foundation for business credit success. The steps are proven to help you get credit and financing for your business…sometimes guaranteed!

Many take a systematic approach with highly predictable results to ensure your long-term success. Many companies offer a web-based back office that carefully tracks your progress and measures your results, helping you know exactly what you’ve accomplished, what you’re currently working on, and what’s to come.

There are several levels: some offer a guide, others give you unlimited access to trained trainers throughout the program. They help prepare credit and loan applications and direct the application to the best lenders across the country.

A general list of offers includes:

1. Register your business with Dun and Bradstreet.
2. Obtaining a DUNS number for your company.
3. Establish an appropriate DUNS rating for your company.
4. Enter your business into the banking system.
5. Provide you with a list of providers who report to
business credit bureaus.
6. Provide you with a list of vendors that will award business
credit without personal guarantee.
7. Provide you with a list of business credit cards
to apply for.
8. Help you get a standard industry classification
9. Help you get a favorable Paydex score.
10. Help you get a favorable Intelliscore.
11. Help you lay the foundation for construction
business credit.
12. Provide you with bank contacts that will give you
business lines of credit.
13. Setting up your Experian Corporate Business Credit Report
14. Business credit coaches will also be your first job
Account reports to Corporate Experian.

Now that the kids are back in school and life is getting back to normal, it’s time to start thinking about direct marketing for the holidays. Too early? It certainly feels that way, but November and December will be here before you know it. You don’t want to miss out on the most profitable time of year because you started planning your direct marketing campaigns too late. Whether you have a physical store or an online business, the holiday season is the perfect time to plan a direct marketing campaign and a great opportunity to generate sales.

Customers start their holiday preparations earlier and earlier each year. Black Friday and Cyber ​​Monday have only furthered that trend. They have become so mainstream that what started as 2 days of savings morphed into a 4 day cyber weekend, which in turn morphed into a full cyber week. It starts a few days before Black Friday and ends a few days after Cyber ​​Monday.

Even though shoppers now get a whole week’s worth of savings, Black Friday is still king of the castle when it comes to pre-holiday shopping. Whether you’re planning an email blast or direct mail campaign, make sure your Black Friday campaigns contain the biggest and best promotions you can offer this holiday season.

Don’t hold back on Black Friday and Cyber ​​Monday. They are just the precursor to the main round. After the Cyber ​​Week dust settles, you can really focus your direct marketing efforts on Christmas.

Many companies pause their marketing efforts so they can focus on the holidays and decide to pick things up again in the New Year. If you start planning now, you can keep the marketing machine running. Christmas is the perfect time to reach current customers and new prospects with a holiday-themed mail piece.

A simple card is the perfect way to show your appreciation to your customers as well as your vendors. Everyone enjoys receiving a traditional Christmas card and your small token of appreciation will be repaid by displaying that card for all to see.

It is also the perfect time to introduce yourself to potential clients. Make a powerful and personal impact this year, with a simple seasonal greeting and business card.

Many printing companies offer Christmas cards with small business logos printed on them. These are perfect and quite profitable. You get the joy of the card, so it will be displayed, and your logo, so it will be remembered.

Don’t make the Christmas card a complete advertisement for your business or services. Then it becomes nothing more than a promotional piece and will go unnoticed in the rest of the holiday mail. If you have marketing material that you want to present, put it inside the card. You can include an advertising brochure for your business or even include a New Year’s promotion. You can go one step further and include a small gift, such as a branded pen or something similar. You’ll be surprised how far a little gift can go!

After Christmas, the New Year begins with a bang.

The New Year is the perfect time to start thinking about trying out new mailing lists. Changing or simply updating your target market will bring life to your stagnant direct marketing campaign. Try using the intelligence within your current customer list to create a snapshot of your best customers that you can use to help identify your ideal prospects. Not only will this process provide you with a very targeted pool of prospects, but it will also help you gain valuable insight into the demographics of your current customer base, which is always helpful to know.

Whether you’re planning to send an email campaign or a direct mail campaign, remember that colossal amounts of email and correspondence are sent during the holiday season. You don’t want to risk your email or piece of mail getting lost in the chaos. The sooner you take it out, the better chance you have of it opening. If possible, try a combination of direct mail and email. Repetition is very important in direct marketing. The more you can get your offer in front of your prospects, the more successful your direct marketing campaign will be.

The holiday season is the perfect opportunity to give your annual sales one last boost before the end of the year. Although the holidays are still a long way off, having a strong direct marketing plan will help you benefit from the entire holiday season.

QuickBooks accounting software supports a wide range of 400+ cloud accounting solutions. These plugins allow the user to fully automate certain accounting operations and accurately track their employees, inventory and other resources of a company.
But it is very difficult for a person to choose the best QB plugins from such a long list and hence here is our selection of the 8 best plugins for QuickBooks.
1. Tokens
Tsheets is a very useful time tracking plugin that can be easily integrated with QuickBooks. Whether it’s creating or assigning a work schedule or better time tracking, Tsheets software does it all for you. It is a GPS-enabled app that provides more accurate and real-time data. You can enter the details in this app even when you are offline and the data will be updated when you are back online.
2.CRM Method
Managing customer relationship has never been easy, but with Method CRM, you can make customer relationship management a piece of cake. You don’t have to worry about data duplication with Method CRM, as it provides integrated customer information.
3. Count me in
If you are an accountant and think that payroll operation consumes a lot of time from your daily work schedule, then Count me In can be included in your lists of favorite applications. Integrates with QuickBooks software to list employee clock-in and clock-out times to determine salary.
4. Fish tank inventory
It is a custom made software that can be easily integrated with QuickBooks accounting software. In addition to warehouse and manufacturing management, it also offers solutions for asset management.
5. SOS inventory
Speaking of inventory management, QB performs very basic tasks and to improve your inventory management, you will need SOS Inventory. With SOS inventory, you can create records for items and then use them in transactions as well.

6. Avalara
If you want to manage your taxes efficiently with QuickBooks, you will surely need Avalara. With Avalara, you can easily manage your taxes even with a large and complex tax jurisdiction.
7. Transaction Pro Import
Due to user preference or tool availability, QuickBooks alone cannot maintain all accounting data. Accountants can create any file in Excel or Text format and this is where Transaction Pro Importer makes sure that these files are easily converted to QB.
8. Bill and pay
This plugin can be used with QuickBooks for payment collection, invoicing, making deposits, and record keeping. Bill and Pay accepts various modes of online payment and that is why they are the most preferred plugins in the market.
Although there are many plugins available for integration with QB, you should be very particular when choosing plugins, because if you add too many unnecessary plugins, then your QB will become slow.

Personal branding is the art of attracting and keeping more opportunities by actively shaping public perception. You can control how you are perceived by the community you serve. Oprah, Tiger, Madonna – they soon realized that talent alone would not get them to the top of their fields. That is why they created and promoted unique Personal Brands. And now you can too.

Personal branding works for businesses, professionals, and entrepreneurs alike

You don’t have to be a celebrity to reap the rewards of personal branding. Whether you are a professional ready to catapult to the next level in your career or an entrepreneur embarking on your first business venture, we will work together to focus on your goals. We’ll start by looking at your unique strengths and differentiations, your competitive landscape, and your target audience. We will then develop a game plan to achieve your goals.

The key to personal branding success:

Define yourself instead of letting others define you

You can shape your customers’ perception of you simply by defining your strengths, values, goals, and personality and presenting yourself in a compelling and persuasive way. Express yourself and what you stand for to everyone you meet: clients, colleagues, friends, neighbors and strangers. Do this steadily and consistently, and you’ll create an effective and lucrative personal brand.

The eight laws of personal branding

1. The Law of Specialization: A great Personal Brand must be precise, focused on a single strength, talent or achievement. You can specialize in one of many ways: skill, behavior, lifestyle, mission, product, profession, or service.

2. The Law of Leadership: Endowing an Online Personal Brand with authority and credibility requires that the source be perceived as a leader by people in its domain or sphere of influence. Leadership derives from excellence, position, or recognition.

3. The Law of Personality: A great personal brand should be built on the foundation of the source’s true personality, flaws and all. It’s a law that removes some of the pressure from the Law of Leadership: you have to be good, but you don’t have to be perfect.

4. The Law of Distinction: An effective Personal Brand needs to express itself in a different way than the competition. Many marketers build intermediate brands so as not to offend anyone. This is a route to failure because your brands will remain anonymous among the crowds.

5. The Law of Visibility: To be successful, a Personal Brand must be seen again and again, until it imprints itself on the consciousness of its domain or sphere of influence. Visibility creates the presumption of quality. People assume that because they see one person all the time, they must be superior to others offering the same product or service.

6. The Law of Unity: The person behind a Personal Brand must adhere to the moral and behavioral code established by that brand. Private conduct should reflect the public brand.

7. The Law of Persistence: Any personal brand takes time to grow, and while you can speed up the process, you can’t replace it with advertising or PR. Stay with your Personal Brand, without changing it; be unwavering and be patient.

The Law of Good Will: A Personal Brand will produce better results and last longer if the person behind it is perceived in a positive way. It must be associated with a value or idea that is universally recognized as positive and valuable.

“The Internet is becoming the square of the global village of tomorrow. – Bill Gates”

Becoming a successful entrepreneur these days is much easier than it used to be. If you haven’t guessed why, it’s because of this wonderful opportunity we call the Internet. We can use the internet and all its features like ads and social media to earn massive income as online entrepreneurs.

Many people now, including teenagers, are taking advantage of the Internet to make a living. And the best part is that it doesn’t require the kind of investment you think it would in traditional business. No land, no labor, no taxes and even no need to create your own products, because you can become an affiliate of other companies and earn commissions.

You must also understand something important. We are now living in the Digital Economy, and many jobs will be taken from people in the near future (see the video in the resources section below to understand how robots are literally going to take our jobs), this is yet another which is why you should start moving into this digital age and building an internet business.

So let’s discuss how you can become a successful entrepreneur, or online entrepreneur, with little or no startup costs.

There are many branches to establishing your internet presence or business, however, I will teach you about the branch of affiliate marketing. Affiliate marketing is when you sell a service or product owned by another company and receive a commission/payment for it. This is a great opportunity as you don’t even need to create your own product to start earning.

So how do you go about becoming an affiliate marketer?

The first thing is to receive quality training on Affiliate Marketing, so you can understand the ins and outs of online marketing. Then you need to look for proven products/business models that are selling, so you can get an edge in the market.

So their main focus is to look for different marketing channels to get their products out there on the web. Some are more expensive than others, while some are practically free.

For example, content marketing is a free way to publish content in the form of blogs, videos, e-books, reports, etc. so that people can receive valuable information that makes them more likely to make a purchase with you at a later date. Other channels include Social Media Marketing, Pay Per Click Ads and more.

What is needed for a Guaranteed Check?

The primary focus should be on ensuring that merchants are not financially harmed because they accepted bounced, bounced or bounced checks, and this can be achieved by ensuring that escrow services provide check protection to protect merchants from check-related losses. that may arise.

Crosscheck’s goal is to provide quality, efficient and affordable check acceptance and processing solutions to a variety of industries and merchants. Merchants can offer their consumers additional checking options, which benefits your business. Additionally, Crosscheck also allows its rivals to opt out of receiving checks.

How does the check guarantee work?

When it comes to check guarantee services, Crosscheck offers two different types.

Before making a deposit using the Standard Check Guarantee, merchants must clear checks at the point of sale by phone, terminal or Crosscheck’s online site. Merchants who have received cleared checks from their banks but have not been paid must return the checks for reimbursement to Crosscheck.

Businesses can use check imagers to detect checks and submit them to Crosscheck via the Internet or a terminal before paying the fees associated with the service. Merchants using this service typically get money within two days without leaving their location. Electronic check processing can be done through the use of conversion software or remote deposit capture (RDC).

What companies use check guarantee?

Automobile, auto parts, motorcycle, construction/rehabilitation, and medical and veterinary clinics are some of the businesses that use the Check Guarantee service.

Advantages of Guaranteed Payments by Check?

Check Assure saves a lot of money and increases sales volume. Because Check Guarantee has the lowest fees for accepting checks in the market, Check Guarantee can provide the least expensive card processing alternatives.

Check for Warranty benefits include:

  • Checks can be accepted from all over the country, as well as from the provinces and territories of Canada.
  • Equipment scheduling, as well as staff training, are the critical elements of setting up a promotional account.
  • This includes 24/7 access to free technical support, and you’ll always have access to it, regardless of the time of day or night.
  • Additional security and versatility, as well as customization, are provided through optional upgrades.
  • Also, equipment loans are provided as a free service.

Since cash is rarely used for large-value transactions in today’s business climate, most purchases are made with a credit or debit card or check. Only the drawee banks may make this determination while the client is present at the teller window.

In situations where customers pay after they buy, such as buying vehicles, buying furniture, or doing home repairs, this type of transaction simply doesn’t happen. Since businesses have accepted checks with reasonable care or with the assurance that the checks may be genuine, several scenarios arise. Warranty services are offered.

Look for services that offer loss protection, as well as warranties that protect individuals from incidents of loss and safeguard merchants from accepting bounced checks, which can lead to your banking institution losing money.

When done correctly, business credit is obtained without the SSN being provided on the application.

This means that there is no credit check by the business owner to be approved. This also means that anyone who has bad, even horrible personal credit can still be approved for business credit.

Reports to commercial credit reporting agencies, not consumer credit reporting agencies.

So it does not have an adverse impact on the homeowner’s consumer credit because it is not reported to consumer agencies.

This means that using the account, even more than 30%, will have no adverse impact on personal scores.

And there are no questions about personal credit when you apply for business credit, as long as you don’t provide your SSN.

30% of your total consumer score is based on usage, so if you use your personal cards for your business and using those cards will lower your scores. Using more than 30% of your limit WILL result in a decreased score

So if your limit is $1,000, having a balance over $300 lowers your scores. This means that 40% of your total score is damaged. With true business credit, 0% of your score is affected.

10% of your total consumer score is based on inquiries, so if you’re using your personal credit to apply for loans and business credit, your scores will drop as a result of those inquiries.

Also, those queries can stay with you for an extended period of time, affecting your ability to borrow more money.

And some unsecured business loan sources won’t even lend you money if you have two or more inquiries on your personal credit reports within six months.

Credit does not report to consumer bureaus, so neither inquiries nor usage have any effect on your consumer scores.

How to devalue your business

Anyone who has ever sold or bought a business will tell you the importance.

Extensive information about your business can easily be obtained by all potential buyers, just by obtaining your business credit report…which can be obtained by anyone who wants it.

This means they will quickly learn details about your business, including:

• Credit scores
• High credit limits
• Past Payment Performance
• Employees
• Entry

And much more…

Now that you know how easy it is to get extensive credit and financial information for a business, if you were a buyer, wouldn’t you get it?

Based on your company’s credit report, would you like to buy your company?

Does your report reflect that your company is “established”, does it show that it pays its bills, does it look like a successful company according to your report?

If you could choose between two companies to buy that were equal in every way except trade credit, which would you buy…

… The one with very limited or no credit profile… or one with a credit profile that reflects good payment performance, and one with available credit.

“Where words are many, sin is not absent.”

Proverbs 10:19

CAN IT BE RELATED TO the frustration in the reflection of having heard yourself exaggerate something to make it sound more attractive or sensational? Why are we doing this? Children do it all the time. Adults do it. Is it because we are trying to gain more acceptance? Is it because we need attention? Is it because we have unmet needs within? However, the reality is that our credibility (and truth) suffers when we fool ourselves with a half-truth.

The quoted proverb points directly to the effects of talking too much: if we talk too much, we are more like lie. We need to understand that although lies hurt others, they also hurt ourselves. We suffer the inevitable loss of credibility, if he really counts among his peer group. The truth is that falsehoods are sometimes appreciated by some groups; although they are not the object of this discussion. This advice is addressed to those who want and see the need to tell more truth.

Anyone serious about becoming wise must agree that talking too much is cheating, and that gaining and maintaining credibility is paramount. I once read that out of every sixty things we say, one is a lie, a lie, an omission, or an exaggeration, which means that we inevitably lie at one time or another. The same writer (Bill Hybels) suggested that it was a good idea to limit conversations to fifty-nine or less.

The idea is that if you want to be more honest and have, as a result, more integrity and better credibility, you simply need to say less. We need to be more careful in what we say; more self-controlled; more discreet I don’t know about you, but listening to a speech that is indiscreet and careless makes me angry inside, because I see a lack of care in the one who speaks, a lack of care is a lack of love.

Anyone who considers himself a spiritual being must not act carelessly; It goes against the grain of spirituality. If he wants to be more spiritual and finds it difficult to limit or control his speech, what should he do?

If you feel susceptible to this kind of weakness, to talking too much and lacking the self-control to limit your speech, perhaps you need to study the principles of prudence and discretion? I have defined caution simply as “Control what goes in or out of the mouth”. (While this might be an overly simplistic definition, it works for me.) Is it true that for the many who lack control over their words, there are the same people who lack control over their words? than Y how many they eat? I wonder if there would be any correlation. Caution is self-control; it is a wise life.

The proverbs also tell us other effects of cautious behavior. The prudent, ignores an insult, reserves his knowledge, acts by knowledge (which are established facts), reflects on his ways (and steps), is crowned with knowledge, takes refuge in the face of danger, is silent in times of anguish, and direct correction.

The final part of the proverb quoted above says, “…but he [or she] he who is silent is wise.” There are many positive effects of speaking less and speaking only the truth. The biggest and most positive effect is that you will become wiser and more insightful for it. People will trust you more and you will gain more honor. without even having to think about it, which is how it should be.

And when you think about it, talking less brings more peace and tranquility to your soul as there is less pressure on you to please others. We don’t need to please others to feel better inside; only please them in loving them.

Reference: Hybels, B., Making Life Work: Putting God’s Wisdom into Action (InterVarsity Press, Downers Grove, Illinois, 1998), p. 88f.

© Steve J Wickham, 2007.

Here is a list of my business and accounting courses in college:




I majored in education (teaching), so I didn’t get anything on financial statements “FSs”. When I started out as a bail bond underwriting apprentice, I realized I had no idea what a Balance Sheet was – but I learned.

If your first reaction when looking at FS is “Duh”, we’ll fix that right now. Keep reading! This will be a view from 30,000 feet. Big box.

For completeness, each financial statement must include As minimum:

1) Balance

2) Profit and Loss Account

the balance sheet

This document is a one-day snapshot of the funds in the business (Assets) and who owns them (Liabilities). Assets and liabilities are equal in “balance” because every dollar in the company is shown from two points of view: the Asset side and who owns it, the Liability side.

Balance has Three important parts that we can review initially. We will identify them based on their functionality.

Current Assets – This line item is a subtotal near the middle of the Assets column. Represent those assets easily convertible to cash within the next fiscal year (as Accounts Receivable).

Current liabilities: found near the middle of the Liabilities column, these are debts to be paid out in the next fiscal year (as Accounts Payable).

Total Stockholders’ Equity, also known as Net Worth: Usually the last subsection near the bottom of the Liabilities column. This is the net worth of the company that would be left if they closed and liquidated everything.

The profit and loss statement

This is a historical summary of all money brought in (Sales, also known as Revenue) and money spent (Expenses) over the previous period, usually a year. At the bottom of the column is the Net Income, which is the money the business “earned” during the year after paying all related bills and taxes.

Now that you can pick a couple of strategic numbers in any FS, what are we going to do with them?

Calculate working capital

This is a primary measure of financial strength used by all analysts, including guarantors, banks, and other credit grantors. It is found by subtracting Current Liabilities from Current Assets. It is an indicator of the expected cash flow for the next year.

the smell test

Here’s a quick, simplified test to use when considering a particular offer or performance guarantee. The evaluation is made based on what is expected. contract (not bonus) amount. This is an instant indication of the adequacy of finances regarding the upcoming project.

First part: the target amount of working capital is 15% of the contract amount. For example, if the contract amount is $1,000,000, the warranties expect to see working capital of at least $150,000.

Part Two: The target amount of net worth is 20% of the contract amount, or about $200,000 in our example.

Certainly, there is more to underwriting surety bonds than this simple analysis. However, by using this method, you can get a quick idea of ​​whether the financial statement easily supports the link or whether it may be overdone. If your analysis reveals negative numbers, which are shown in parentheses on financial reports, that’s obviously a bad sign.

Also note, applicants who do not meet these criteria you can still qualify for bonuses based on other factors – and the reverse is also true. Taking security subscription many factors in consideration. In this article we offer a very simplified version of the process, although it is good as a quick review. This procedure will allow you to make a quick financial assessment and relate it to the next security exposure.


This item doesn’t make you a bonus subscriber, but now when you get a new FS instead of “Duh!” you can say “Let me analyze this!”

Run one more quick scan the smell test will indicate the likelihood of obtaining warranty support. You learned a lot in three minutes, but when you have a bond that doesn’t pass the sniff test, that’s where our experience and market access come into play. Call us!