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Sunday, May 11

How to Start a Business with Less than Perfect Personal Credit, Pat Gage-Kenosha, Wisconsin

by Ralph Maupin on Sun 11 May 2008 03:11 PM EDT

So there you sit. You have great plans for a great new business – a sure-fire winner. But there’s a problem. You’re pretty sure your personal credit is less than perfect. Well, actually you know it’s in the dumpster. End of dream? No, start of a plan to get this ship out of dry dock.

Here’s what you have to do:

Find out what your credit score is before you approach any financial institution about a loan. Maybe it won’t be as bad as you think, but you won’t know unless you check it out. That means getting your report from all three of the major credit-reporting bureaus – Equifax, Experian or TransUnion. This way you’ll find out exactly where you stand.

There’s another benefit here as well. It’s possible your report may contain errors – a late payment, for example, you know you made on time. Or a claim of a missed payment, when you have the canceled check to prove it was paid. Errors do occur, and if you find any, now is the time to get them corrected, before you go out looking for business funding.

But let’s say that after checking your credit report, you determine that it’s correct, and yes, your credit comes up less than stellar. What do you do then? Get moving!

One thing potential lenders really dislike seeing is late or missed payments. If you had a good reason for that error (family emergency, out of country, hospitalized, etc.), write a letter of explanation to the credit bureau. It’s possible you could get it lifted from your report. You could also enlist the services of a credit repair company, if you don’t know where or how to start. And those high interest credit cards you’ve been carrying balances on? Pay them down to 30% of the credit limit as quickly as possible.

And a word about credit cards: Those colorful little pieces of plastic you’re carrying around are probably worth thousands in credit. If you’re like most folks, the temptation to use them to pay for less-than-necessary items (do you really need another flat screen TV?) could be a problem. If you can’t control your personal spending, do you really think a loan officer will think you can control your business spending any better? No! It really isn’t that hard to do, and whatever credit problems you might have, can be overcome by good financial management. You can do it if you want to.

Straighten out your credit problems well before going to any bank. While loan officers look fondly on borrowers with excellent credit, they also appreciate those with less-than-perfect credit who have recognized and corrected the situation. It says a lot about you and your worthiness to receive a loan. The key is to start establishing your business credit so that your personal credit doesn’t become as important. You should start doing this immediately, even if your business is a start up. There are lenders that will loan to start ups as well as established businesses but you must have your business set up correctly as a business and not as a hobby. You can work from your home and still be a legitimate business as long as all your documented information (EIN, State filings, business licenses, business phone number and address) is consistent. This is the key to unlock the doors to business funding.

And finally, one last word about credit: Once you do get your lines of credit or business credit cards, never, ever think about co-mingling your business and personal credit. Keep credit cards separate, as well as bank accounts. The temptation can be awfully strong to co-mingle, but it’s a path you don’t want to go down.

Pat Gage, The Opportunity Creator, and a leading expert in the field of business credit has helped a number of clients target his specialty, starting, expanding, and growing their businesses through his trademarked 10 Steps to Money System. The Opportunity Creator is not only a sought after business credit coach but also a national speaker. For more information on any topic discussed, visit Gage’s site at http://www.10stepstomoney.com

Alabama (AL), Alaska (AK), Arizona (AZ), Arkansas (AR), California (CA), Colorado (CO), Connecticut (CT), Delaware (DE), Florida (FL), Georgia (GA), Hawaii (HI), Idaho (ID), Illinois (IL), Indiana (IN), Iowa (IA), Kansas (KS), Kentucky (KY), Louisiana (LA), Maine (ME), Maryland (MD), Massachusetts (MA), Michigan(MI), Minnesota (MN), Mississippi (MS), Missouri (MO), Montana (MT), Nebraska (NE), Nevada (NV), New Hampshire (NH), New Jersey (NJ), New Mexico (NM), New York (NY), North Carolina (NC), North Dakota (ND), Ohio (OH), Oklahoma (OK), Oregon (OR), Pennsylvania (PA), Rhode Island (RI), South Carolina (SC), South Dakota (SD), Tennessee (TN), Texas (TX), Utah (UT), Vermont (VT), Virginia (VA) , Washington (WA), West Virginia (WV), Wisconsin (WI), Wyoming (WY) Major Metro Areas: Albuquerque, Atlanta, Austin, Baltimore, Boston, Charlotte, Chicago, Chico, Cincinnati, Cleveland, Columbus, Dallas, Fort Worth, Denver, Bolder, Detroit, Ft Lauderdale, Palm Beach, Harford, Houston, Indianapolis, Jacksonville, Kansas City, Las Vegas, Little Rock, Long Island, Los Angeles, Memphis, Miami, Milwaukee, Minneapolis, St Paul, Monterey, Nashville, New Haven, New York, Oakland, East Bay, Oklahoma City, Orange County, Orlando, Philadelphia, Phoenix, Pittsburgh, Portland, Puerto Rico, Raleigh-Durham, Reno, Tahoe, Rochester, Sacramento, Salt Lake City, San Francisco, San Jose, Silicon Valley, Santa Fe, Seattle, Spokane, Springfield, St. Louis, Tampa, Toronto, Tucson, Washington Dc

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Small Business: You Need Business Credit Options, by Pat Gage, Phoenix, Arizona

by Ralph Maupin on Sun 11 May 2008 03:10 PM EDT

Credit – it’s probably one of the most important business tools your small business can have. In fact, it’s not only important, but essential. You need it to grow your business, take advantage of equipment and supply sales or leasing, expansion, and a thousand other things.

Most of the time, a small business doesn’t generate enough capital to supply all its needs. So when opportunities knock, savvy business owners turn to the credit market to take advantage and stay ahead of the competition. But what kinds of credit are available to the small business entrepreneur, and what types are best for his/her needs?

There are many types of credit available to business owners with realistic needs. Some secured, some unsecured. Having multiple credit sources available allows a business to pick and choose which one is the best for any given situation. And since no two businesses are alike, it makes sense that different businesses will benefit from different types of loans.

For many small businesses Unsecured Lines of Credit work well. An Unsecured Line gives the owner a lot of flexibility. You use only the amount of money you need, and can hold the rest in reserve. This can be a big plus, because since you’re only using what you need, your payments are smaller. This helps cash flow, since interest payments are only made on the outstanding balance. No collateral is required. That means no personal property or real estate is pledged against the credit line.

Unsecured Lines of Credit have interest rates starting around Prime and go up from there depending upon various underwriting requirements instituted by the bank. Some of these requirements are easily obtainable and some are a little more challenging. It’s best to be prepared when applying for any type of business loans.

Small Business Loans are the most common source of small business financing, after credit cards. There are a number of sources of small business loans, and with good credit, they’re generally not difficult to get. Some of these loans (SBA, eg.) are secured by the government. Result? Interest rates may be lower than conventional loans. They also can carry long repayment requirements which can be a big help with cash flow.

Straight bank loans (not government backed) can be very challenging to get, especially for a start-up. Unless your business has spotless books, and a solid track record over a period of years, or good financial projections for your start up that are created by a professional adviser, this is probably not a good loan to apply for.

Credit Cards are a great source of credit for small businesses. They can be used for everything from gas, to equipment/supply purchases (depending on the amount of your line). Credit Cards give you flexibility second to none, require no collateral, and give you an excellent way to track expenses.

One type of credit that generally gets little thought, but can be a significant player in fattening your bottom line, is Vendor Credit. This type of credit has a number of advantages: It’s free, unsecured, readily available, and easy to qualify for. And it can only be used for buying from the vendor’s products.

As with personal credit, there are a variety of credit sources and options available to small business entrepreneurs. As with any major decision, it’s always best to consider all the options, compare the benefits against the cost, time and effort involved. In some instances you may find that a combination of credit sources may work best for you. In others, just one.

Whichever way you decide to jump, properly used credit can be a huge boost in growing your business, and your bottom line.

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Pat Gage, New York City, NY-Business Lines of Credit with Bad Credit? You better!

by Ralph Maupin on Sun 11 May 2008 03:09 PM EDT

It shouldn’t come as a surprise that banks are more than willing to loan money to people with good credit, but shy away from those whose credit is less than perfect. Does that mean the loan you need for your small business is doomed? Not necessarily, because bad credit financing does exist.

First, there are other lenders out there who will, and they generally come in two forms – wealthy individuals (often local) who will make loans to local businesses. Uncovering them may take a bit of detective work, but they certainly are there. Then there are firms that specialize in small business loans to those whose credit is shaky. There are hundreds of them across the country, and they can easily be found on the Internet. But just because they’re there, doesn’t mean they’ll automatically approve your loan. Far from it. You have to persuade them that you’re a viable candidate, and to do that is going to require some work.

Here’s what you do: The very first step is separate your bad personal credit from your business credit. This is very, very important. You can do this by forming a corporation (S or C) or an LLC (Limited Liability Company) and applying for an EIN (Employer Identification Number). This allows you to beginestablishing a business credit profile that’s completely separate from your personal credit. It’s like starting with a totally clean balance sheet.

The next step is fairly obvious. You have to build a strong business credit profile. That means finding suppliers who will report your payment history to the business credit bureaus-Dun and Bradstreet, Experian, and Equifax and making sure you are paying your suppliers on time, and adhering to other sound business practices. Make sure all your business information is correct and consistent with all of the business credit bureaus. Also, bring in a good financial consultant to prepare financial statements for your company. Any potential lender you contact is going to want to see a strong, professionally prepared financial statement. Even if your business is a start up you can still put together a financial statement with projections. This is acceptable to most any lender. Remember that you’re asking for unsecured lines of credit, which means you don’t have to use assets for collateral. Don’t even think about trying to do this yourself. Really!

And, of course, there’s still the problem of your personal credit situation. Even though you separate it from your business, it’s not going to go away, and will still be a factor in many lender’s decision process. You’re going to have to show that you’re making progress in rectifying the situation. This includes your ability to explain why and how your bad credit happened, and what steps you’re taking to remediate it. So pull your credit from all 3 credit bureaus-Experian, Equifax, and Trans Union and review it. If you’re unsure how to read them, enlist a credit repair company to assist you. Lenders want to see that you’re making an honest effort to correct past mistakes and avoid them in the future.

Essentially, it’s important for you to know that there are lenders out there (many in fact), who are willing to loan your small business money, even if your personal credit is pretty suspect. These companies, and individuals, make their money by making exactly these kinds of loans. It’s their business. Their specialty. It’s what they do. They want to loan you the funds you need. But it’s up to you to put in the effort and make the case that your business is worthy of the line of credit you seek. Remember, the lender is only looking for one thing: Your ability to pay back the loan.

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Business Credit Cards: Awesome Business Tools by Pat Gage, Pittsburg, Pennsylvania

by Ralph Maupin on Sun 11 May 2008 03:08 PM EDT

To any business, either a start-up or established, business credit cards can be very valuable financial tools if managed properly. Remember also, that because they’re business credit cards, they are unsecured and do not report on your personal credit report. Which means there is no collateral tied to them. Great benefit!! But if used improperly, it can have a devastating affect on your business’ credit profile, and hence, your business itself.

Managing your business credit cards doesn’t require an MBA from Harvard, or a financial specialist looking over your shoulder every time you plunk it down. But it does require careful monitoring, and plain old common sense. Here are a few tips you can use to get the most from your business credit cards:

· Always apply at your primary bank first. Why? Because you’ve already established a banking relationship which can pave the way for an easy application process. In short – they know you. Once you get the business credit cards, and pay them in a timely manner, it will increase your credit worthiness in the eyes of the bank. This will be of significant help when you apply for additional business lines of credit later on.

· Never co-mingle your business credit cards with your personal credit cards. However, here’s a little secret to the game. If you have business debt on your personal credit cards, transfer balance the debt to your business credit card and this will immediately improve your personal credit score by lowering your debt to income ratio. This is a huge benefit of being a business owner.

· Once your business credit is established, you’ll be deluged by special offers from credit card companies on a daily basis. When you’re invited to apply and the offer is good, then apply. Remember this: Just because you have applied and received a business credit card, doesn’t mean you have to use it immediately. It’s always a good idea to have extra “Rainy Day” money available. Every business goes through ups and downs and having the money available can be invaluable during one of those down times. It’s always easier to get money when you don’t need it.

· By all means, use the grace period when paying your business credit cards. Most providers of business credit cards offer a 21-day grace period before payment is due. This can be a big help in improving your cash flow, and it’s built-in for you to use. Don’t abuse it, and don’t pay later than the grace period deadline, however.

· Like many business transactions today, you can pay your business credit card bill online. This may not sound like such a big deal, but when you think of the time and effort it takes to write out and mail a check, it’s really a good deal. Especially since the mail can sometimes be unpredictable. Knowing you can choose the exact date your bill is paid, is priceless.

· Do not pay your credit card bills late! Yes, take advantage of the grace period, but paying late, especially if it develops into a habit, will end up costing a lot more than the actual bill. Late fees will bring about higher interest rates. But more importantly, late payments will go straight to your business’ credit profile – and you don’t want it there, especially if you plan on trying to get a line of credit from your bank or lender in the near future. Pay the bills on time, if possible.

Finally, always remember that your business credit card can be a very effective tool in managing your company’s finances. But like any tool, if handled improperly, it can cause irreparable harm – in this case, to your company’s business financial profile. Use it wisely!

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Pat Gage-Boston, Massachusetts-The Information that Banks will need for Business Credit Lines

by Ralph Maupin on Sun 11 May 2008 03:07 PM EDT

Getting a business credit line from a bank isn’t the easiest thing to do – especially if you’re a start-up. Seed money, working capital, and other forms of loans, require that you pass a series of credit related checks.

So what do banks look for, and what can you expect? We’re going to tell you.

High on the list of establishing business credit is, of course, your personal credit history. No surprise there. If you’re a start-up, lenders will be looking at your personal credit. Banks won’t want to see late payments, missed payments, liens or a bankruptcy. The negative impact of these, and other credit deficiencies could have a substantial impact on your loan request. A late payment, here or there, won’t kill your chances, but if there’s a pattern of late payments, it very well could. If, however, you have a good explanation as to why these credit deficiencies exist, your chances of approval could increase. It’s probably a good idea to check your personal credit reports to clear up any possible discrepancies that could adversely affect your application. If your business is a start up, you may need to use your personal credit in the beginning, and while you’re doing that you can begin to establish your business credit profile as well.

But let’s say you’re already in business, and haven’t established a business credit history yet. Now it’s your business’ credit that comes into play. Dun and Bradstreet, Experian, and Equifax are often the sources the banks will turn to when reviewing your business credit reports, including history, public record information, company background and supplier payment history. Whether you’ve been in business one day or 10 years, if you haven’t established a business credit profile, then your business is still at Day One. But it’s never too late to get started. If you’re a start-up, the bank is going to look for some solid financial projections. Remember the projections you use, are based on the assumption that you’re going to get the financing needed. Work with a financial specialist to put your numbers together. The money you spend on a financial consultant will be well worth it, and the bank will appreciate your professionalism.

            If you’re already in business, the same applies. But now you have real figures to present to the bank. Assuming that they’re good, that should be it, right? Wrong. The bank is going to want to see what you want the loan for. Working capital, expansion, new equipment are always good. A loan to take your top producers for a rewards week in the Caribbean is not.

            Collateral doesn’t have to come into play when you apply for business credit. Why is this? Because the banks lend business lines of credit without it. They’re called unsecured credit cards and unsecured lines of credit. These are great avenues for any business that perhaps doesn’t have the business collateral. It’s never a good idea to use personal collateral to fund your business. The banks will generally lend up to $50,000 without collateral on these types of loans. The banks do require a strong business credit profile and sometimes a good personal credit profile and these can be easily established and obtained. Lenders know that there’s a strong correlation between your commitment to your business and the loan being repaid.

            In the end, getting business credit is all about the figures. Do they or don’t they work. If they do, and if you present your case in a straightforward manner, you’ll put your business in the best light, and in all probability, get the loan. Always remember that the bank wants to lend you money. It’s up to you to show that you can repay the loan.

Pat Gage, The Opportunity Creator, and a leading expert in the field of business credit has helped a number of clients target his specialty, starting, expanding, and growing their businesses through his trademarked 10 Steps to Money System. The Opportunity Creator is not only a sought after business credit coach but also a national speaker. For more information on any topic discussed, visit Gage’s site at http://www.10stepstomoney.com

Alabama (AL), Alaska (AK), Arizona (AZ), Arkansas (AR), California (CA), Colorado (CO), Connecticut (CT), Delaware (DE), Florida (FL), Georgia (GA), Hawaii (HI), Idaho (ID), Illinois (IL), Indiana (IN), Iowa (IA), Kansas (KS), Kentucky (KY), Louisiana (LA), Maine (ME), Maryland (MD), Massachusetts (MA), Michigan(MI), Minnesota (MN), Mississippi (MS), Missouri (MO), Montana (MT), Nebraska (NE), Nevada (NV), New Hampshire (NH), New Jersey (NJ), New Mexico (NM), New York (NY), North Carolina (NC), North Dakota (ND), Ohio (OH), Oklahoma (OK), Oregon (OR), Pennsylvania (PA), Rhode Island (RI), South Carolina (SC), South Dakota (SD), Tennessee (TN), Texas (TX), Utah (UT), Vermont (VT), Virginia (VA) , Washington (WA), West Virginia (WV), Wisconsin (WI), Wyoming (WY) Major Metro Areas: Albuquerque, Atlanta, Austin, Baltimore, Boston, Charlotte, Chicago, Chico, Cincinnati, Cleveland, Columbus, Dallas, Fort Worth, Denver, Bolder, Detroit, Ft Lauderdale, Palm Beach, Harford, Houston, Indianapolis, Jacksonville, Kansas City, Las Vegas, Little Rock, Long Island, Los Angeles, Memphis, Miami, Milwaukee, Minneapolis, St Paul, Monterey, Nashville, New Haven, New York, Oakland, East Bay, Oklahoma City, Orange County, Orlando, Philadelphia, Phoenix, Pittsburgh, Portland, Puerto Rico, Raleigh-Durham, Reno, Tahoe, Rochester, Sacramento, Salt Lake City, San Francisco, San Jose, Silicon Valley, Santa Fe, Seattle, Spokane, Springfield, St. Louis, Tampa, Toronto, Tucson, Washington Dc

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You can start a Business With Lousy Credit, says Pat Gage, Denver, Colorado

by Ralph Maupin on Sun 11 May 2008 03:04 PM EDT

            You may be trying to start a business, or have one that’s in its initial stages. Your idea is great, your plan is flawless, and your product or service is ready for the fast lane. Only problem is, that super-charged, can’t-miss-small-business of yours is sitting by the side of the road. It’s stuck, and it’s out of gas.

            The analogy may not be great, but if you’re in that type of situation, you know what it’s all about. Your personal credit rating is less than stellar. You found out just how bad, when the bank’s Business Loan Officer gave you a look of horror when you told him what you wanted to borrow, and why.

            Let’s face it, he probably couldn’t wait to get you out of his office fast enough. Is there anything you can do to jump-start this situation? Yes there is. In fact, there a number of avenues you need to explore.

            First things first. There are three credit reporting agencies, Equifax, Experian and TransUnion. You want to get your tri-merge credit report, which is a report from all 3 credit bureaus. Once you get them in hand, you’ll have a clear idea of exactly where you stand – and just as importantly, why.

            Review each and every report. Look for errors, because (guess what), the credit bureaus do make them. Maybe a bill they’re reporting as unpaid, involved a dispute. Maybe a credit card purchase wasn’t yours. If you find any glitches, report them immediately to the credit bureau involved. You can also enlist the services of an established credit repair company, if you’re not sure how to handle the disputes yourself.

            Creating a business credit profile can also be an answer to your credit issue. By creating a business credit profile, you can start establishing credit for your business, which is separate than your personal FICO score. Establishing a business credit profile can help you get your business started while working to improve your personal FICO score. Once you establish your business credit profile your business can start applying for business credit cards and other types of business financing.

But, when you get business credit cards, keep your personal and business credit separate – very separate. Many folks fall prey to the temptation of using business credit cards for personal expenses. This is more than a red flag to business lenders, it’s a giant red balloon. Commingling your funds can cause many problems for your accountant and attorney. When you commingle your personal and business funds, you open the door to lawsuits and your bookkeeping becomes a nightmare.

            Business credit cards can be a great source of financing. One misconception is that business credit cards have a high interest rate. This just isn’t true. Many business credit cards fall in the interest rate range of 8-14%. But more importantly remember this; it’s not always the cost of money that’s important, but the availability of money. Wouldn’t you like to have an extra $30,000, $50,000, or even $100,000 right now to start or expand your business? Make sure you are diligent about making payments on time and, two things will happen: First, the credit card company will court your business, and probably offer you a credit line increase. Second, your credit standing will improve with the bank. Bank’s love it when you’ve demonstrated the ability to pay off a loan – even if it’s not theirs.

            Finally, make certain that you use your credit wisely, and strictly for the business. And more importantly, to improve the business – new equipment or hiring employees, marketing, whatever it takes. This will show a Loan Officer that you’re serious about what you’re doing, and will make you a more attractive loan candidate.

Pat Gage, The Opportunity Creator, and a leading expert in the field of business credit has helped a number of clients target his specialty, starting, expanding, and growing their businesses through his trademarked 10 Steps to Money System. The Opportunity Creator is not only a sought after business credit coach but also a national speaker. For more information on any topic discussed, visit Gage’s site at http://www.10stepstomoney.com

Alabama (AL), Alaska (AK), Arizona (AZ), Arkansas (AR), California (CA), Colorado (CO), Connecticut (CT), Delaware (DE), Florida (FL), Georgia (GA), Hawaii (HI), Idaho (ID), Illinois (IL), Indiana (IN), Iowa (IA), Kansas (KS), Kentucky (KY), Louisiana (LA), Maine (ME), Maryland (MD), Massachusetts (MA), Michigan(MI), Minnesota (MN), Mississippi (MS), Missouri (MO), Montana (MT), Nebraska (NE), Nevada (NV), New Hampshire (NH), New Jersey (NJ), New Mexico (NM), New York (NY), North Carolina (NC), North Dakota (ND), Ohio (OH), Oklahoma (OK), Oregon (OR), Pennsylvania (PA), Rhode Island (RI), South Carolina (SC), South Dakota (SD), Tennessee (TN), Texas (TX), Utah (UT), Vermont (VT), Virginia (VA) , Washington (WA), West Virginia (WV), Wisconsin (WI), Wyoming (WY) Major Metro Areas: Albuquerque, Atlanta, Austin, Baltimore, Boston, Charlotte, Chicago, Chico, Cincinnati, Cleveland, Columbus, Dallas, Fort Worth, Denver, Bolder, Detroit, Ft Lauderdale, Palm Beach, Harford, Houston, Indianapolis, Jacksonville, Kansas City, Las Vegas, Little Rock, Long Island, Los Angeles, Memphis, Miami, Milwaukee, Minneapolis, St Paul, Monterey, Nashville, New Haven, New York, Oakland, East Bay, Oklahoma City, Orange County, Orlando, Philadelphia, Phoenix, Pittsburgh, Portland, Puerto Rico, Raleigh-Durham, Reno, Tahoe, Rochester, Sacramento, Salt Lake City, San Francisco, San Jose, Silicon Valley, Santa Fe, Seattle, Spokane, Springfield, St. Louis, Tampa, Toronto, Tucson, Washington Dc

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Pat Gage-Dallas, Texas-Obtaining Business Lines of Credit To Fund Your Business

by Ralph Maupin on Sun 11 May 2008 03:03 PM EDT

Let’s say your business needs a capital infusion. Things are going well, but you need extra cash to expand, hire new employees, make improvements, increase marketing – whatever. Where do you turn to get the cash you need? Can you leverage your business to fund your goals? And how do you do it? Actually, there are more ways of getting funding than you probably thought.

            Assuming your business is in good shape, pays its bills promptly, has a good cash flow, and is professionally managed, you have a lot of options. You can probably narrow down the list by scratching off Venture Capitalists and Angels. The former are only interested in lending you money if you plan to go public at some point. Angels (not the celestial kind!), might be interested if you have a lock on the, “next big thing,” but only if the payoff is calculated in the tens-of-millions of $$. You may not be quite there yet.

            What does that leave? One valuable option is to start creating a business credit profile for your business. Creating a business credit profile can be done easily and can offer any number of business loans, from Working Capital, to Lines of Credit, to Construction, to Term Loans, to even business credit cards. If you already have a good working relationship with your Business Loan Officer, this is probably the first place to look, once you have your business credit profile in place. They know you, and you’ll be able to skip much of the red tape. This makes sense a lot of the time. But hold on! You have quite a few other options available.

            Business credit cards, for example. All major business credit card companies have branched into commercial lending. Obtaining cash from this method is usually easier than other sources. However, this method of financing still needs an established business credit profile. Because lending institutions don’t lend money to sole proprietors. That’s called a personal loan. This is one option to be considered. Business credit cards can be useful in many ways and have reasonable interest rates as well. Once you have established your business entity, you will be receiving numerous offers from business credit card companies to apply. This is a great way to have access to capital. Remember that your business credit cards do not show up on your personal credit report. So any business debt that appears on your personal credit can be transferred to your business credit card, freeing up your personal debt to income ratio. This will increase your personal credit score almost immediately. Many times the credit card companies will offer 0% interest for a limited time (I’ve seen up to one year), then have a reasonable interest rate afterwards (anywhere from 8-14%). That’s far better than a hard money lender or private lender.

            Then there’s unsecured lines of credit. The objective is to stimulate micro-enterprises and provide unsecured loans of up to $50,000 to small businesses. You can apply for unsecured lines of credit through your bank or many other institutions that offer them. Once again your business credit profile will need to be in place. Typically, an unsecured line of credit has an interest rate of Prime plus one or two points, depending on some factors that are taken into account. But the bonus here is that the money is unsecured which means you don’t have to put up any collateral for it. This type of lending does not require any financial statements as well. This gives you flexibility especially if your business doesn’t have a great cash flow yet. This is a great method for obtaining capital for your business whether it’s to expand, advertise, or market a new idea.

Pat Gage, The Opportunity Creator, and a leading expert in the field of business credit has helped a number of clients target his specialty, starting, expanding, and growing their businesses through his trademarked 10 Steps to Money System. The Opportunity Creator is not only a sought after business credit coach but also a national speaker. For more information on any topic discussed, visit Gage’s site at http://www.10stepstomoney.com

Alabama (AL), Alaska (AK), Arizona (AZ), Arkansas (AR), California (CA), Colorado (CO), Connecticut (CT), Delaware (DE), Florida (FL), Georgia (GA), Hawaii (HI), Idaho (ID), Illinois (IL), Indiana (IN), Iowa (IA), Kansas (KS), Kentucky (KY), Louisiana (LA), Maine (ME), Maryland (MD), Massachusetts (MA), Michigan(MI), Minnesota (MN), Mississippi (MS), Missouri (MO), Montana (MT), Nebraska (NE), Nevada (NV), New Hampshire (NH), New Jersey (NJ), New Mexico (NM), New York (NY), North Carolina (NC), North Dakota (ND), Ohio (OH), Oklahoma (OK), Oregon (OR), Pennsylvania (PA), Rhode Island (RI), South Carolina (SC), South Dakota (SD), Tennessee (TN), Texas (TX), Utah (UT), Vermont (VT), Virginia (VA) , Washington (WA), West Virginia (WV), Wisconsin (WI), Wyoming (WY) Major Metro Areas: Albuquerque, Atlanta, Austin, Baltimore, Boston, Charlotte, Chicago, Chico, Cincinnati, Cleveland, Columbus, Dallas, Fort Worth, Denver, Bolder, Detroit, Ft Lauderdale, Palm Beach, Harford, Houston, Indianapolis, Jacksonville, Kansas City, Las Vegas, Little Rock, Long Island, Los Angeles, Memphis, Miami, Milwaukee, Minneapolis, St Paul, Monterey, Nashville, New Haven, New York, Oakland, East Bay, Oklahoma City, Orange County, Orlando, Philadelphia, Phoenix, Pittsburgh, Portland, Puerto Rico, Raleigh-Durham, Reno, Tahoe, Rochester, Sacramento, Salt Lake City, San Francisco, San Jose, Silicon Valley, Santa Fe, Seattle, Spokane, Springfield, St. Louis, Tampa, Toronto, Tucson, Washington Dc

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Receipt For Disaster - Mixing Your Business Finances With Your Personal Finances, by Pat Gage-Carson City, Nevada

by Ralph Maupin on Sun 11 May 2008 03:02 PM EDT

One of the most common business mistakes I see many small business owners and entrepreneurs make, is commingling their business and personal finances. The result can often be catastrophic. And for the most part, small business owners aren’t even aware of the implications. How so? Glad you asked.

            In a word, “credit”. In two words, “bad credit”. This phenomenon usually manifests itself when the business owner applies for credit to buy a car, or even get a mortgage. That’s when the big, red, rubber stamp slaps down, “rejected” on his/her file. Or, when the dunning phone calls from business creditors become more frequent than calls from Aunt Sadie, who has nothing better to do than phone several times a day.

            The result of all this commingling of credit can often result in two of the ugliest words in the English language – “bankruptcy” and “lawsuit”. Unfortunately, many small business owners don’t even see it coming.

            How can something like this happen? Most often it’s because the small business owner used personal funds to either launch, or finance the expansion of their business. This can involve using personal credit cards, even taking out a Home Equity Loan or Home Equity Line of Credit. This commingling pierces the corporate veil, which opens you up personally to lawsuits. The money goes into the business on the premise that the business will pay it back. But, whoops!, when sales go down, and the business can’t afford to make the payments, it all comes home to roost. Unfortunately.

            The best thing is not to get into this situation in the first place, but many small business owners and entrepreneurs are unaware of how they can establish a separate business credit profile. And this can often result in unfortunate consequences. If they only took the time to investigate how to do it, it could save them untold grief later on. But how does a small business do this?

            Establish sound business financial practices from the outset. Make certain that when you plan your entrance into the small business arena, you do so both carefully, and realistically. Start establishing your business credit profile immediately. Set up your corporation (C or S-) or LLC (Limited Liability Company) properly. Next go to the IRS website and get your EIN for your business. This is like the social security number for your business. Set up your business bank account, with the same address you used for your legal paperwork to the state and government. Make sure that address is a physical address and not a P.O. Box or UPS store. Next is your business phone number and fax. Make sure this information is consistent and accurate. Make sure your business phone number is listed in the 411 National Directory Assistance with your physical business address. Create a business credit profile on your own or through Dun and Bradstreet.

Get your business familiar with Vendors that are in your business arena and get credit with them right away. Take the long-term view as to what you need to keep operating at a high level. Next, you need to pay your vendors promptly – very promptly, even if it means skipping your own salary at times (yes, this happens and you should plan for it). You’d be surprised, however, at how quickly your business credit profile will look rock-solid to a Business Loan Officer. And the better it looks, the better your chances of getting several unsecured lines of credit, which is exactly what you want.

            There are many pit falls to starting or expanding a business, but commingling personal and business credit, and finances is one that should be strenuously avoided at all cost. And remember, be realistic about what you need – not what you want!

Pat Gage, The Opportunity Creator, and a leading expert in the field of business credit has helped a number of clients target his specialty, starting, expanding, and growing their businesses through his trademarked 10 Steps to Money System. The Opportunity Creator is not only a sought after business credit coach but also a national speaker. For more information on any topic discussed, visit Gage’s site at http://www.10stepstomoney.com

Alabama (AL), Alaska (AK), Arizona (AZ), Arkansas (AR), California (CA), Colorado (CO), Connecticut (CT), Delaware (DE), Florida (FL), Georgia (GA), Hawaii (HI), Idaho (ID), Illinois (IL), Indiana (IN), Iowa (IA), Kansas (KS), Kentucky (KY), Louisiana (LA), Maine (ME), Maryland (MD), Massachusetts (MA), Michigan(MI), Minnesota (MN), Mississippi (MS), Missouri (MO), Montana (MT), Nebraska (NE), Nevada (NV), New Hampshire (NH), New Jersey (NJ), New Mexico (NM), New York (NY), North Carolina (NC), North Dakota (ND), Ohio (OH), Oklahoma (OK), Oregon (OR), Pennsylvania (PA), Rhode Island (RI), South Carolina (SC), South Dakota (SD), Tennessee (TN), Texas (TX), Utah (UT), Vermont (VT), Virginia (VA) , Washington (WA), West Virginia (WV), Wisconsin (WI), Wyoming (WY) Major Metro Areas: Albuquerque, Atlanta, Austin, Baltimore, Boston, Charlotte, Chicago, Chico, Cincinnati, Cleveland, Columbus, Dallas, Fort Worth, Denver, Bolder, Detroit, Ft Lauderdale, Palm Beach, Harford, Houston, Indianapolis, Jacksonville, Kansas City, Las Vegas, Little Rock, Long Island, Los Angeles, Memphis, Miami, Milwaukee, Minneapolis, St Paul, Monterey, Nashville, New Haven, New York, Oakland, East Bay, Oklahoma City, Orange County, Orlando, Philadelphia, Phoenix, Pittsburgh, Portland, Puerto Rico, Raleigh-Durham, Reno, Tahoe, Rochester, Sacramento, Salt Lake City, San Francisco, San Jose, Silicon Valley, Santa Fe, Seattle, Spokane, Springfield, St. Louis, Tampa, Toronto, Tucson, Washington Dc

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Pat Gage-Las Angeles, CA-How To Raise Business Lines Of Credit For Your Business

by Ralph Maupin on Sun 11 May 2008 03:01 PM EDT

So there you are – you’ve done all your research, scoped out the competition, found your marketing niche, and spent countless hours planning precisely how you’re going to open, then operate your business.

            It looks like a slam-dunk, except for one tiny problem – you need a bunch of cash to turn your dream into reality. Sure, you’re willing to put in as much as you can as far as time and effort. Maybe you can hit up your rich Aunt Gertrude for a few bucks. But, you still may need additional cash to get your business up-and-running.

            What to do, and where to go to do it? Starting a business cash-poor is the quickest way of having that business cash you out – right on your ear. That will make neither you, nor Aunt Gertrude, very happy. So, you put on your, I-Need-A-Business-Line-Of-Credit hat and do a little thinking. Voila! The light goes on and blinks the word “Bank”. Halleluiah! Let’s open the doors and get this business rolling!

            Or not. Stopping in to see your friendly neighborhood banker for a business line of credit takes a little more than shinned shoes, and an honest, open smile. That might have cut it with Aunt Gertrude, but your Business Loan Officer will be a bit more demanding. The Business Loan Officer is going to want to have a serious discussion about your business credit profile. This will help him decide your creditworthiness as a business. And that, not incidentally, is going to bring up the question of how you create one in the first place!

            First, it’s essential that you separate your personal credit from your business credit. Reason? Personal credit is for your household expenses and business credit is to start, or expand your business. Your business will need more money than your household. If you use your personal credit to fund your business you could seem overextended to the banks and could be declined for any personal household credit needs, such as a new house or car.

How do you do this? Actually it’s simple. All you need to do is incorporate your business. There are several different entities to choose from, C or S-Corporation, or LLC (Limited Liability Company). That makes your business a self-sustaining entity, and takes away any personal liability.

. Next, Uncle Sam is going to require that your business have a Federal EIN, which is like the social security number for your business. Then, a separate bank account under the business’ name is required. And of course, you’ll need to comply with all local regulations regarding permits, licenses, etc. Naturally, you’ll have to get a business phone number (not a cell phone). You can use your cell phone as a secondary line but the banks will check to see if your business phone number is a land line in your business name corresponding to the physical address you have given as your business address. Now your physical address could be your home. If you do indeed work from home, that’s okay. The important thing is that all of your business information is consistent.

The last step will be establishing a business credit profile with Dun & Bradstreet and the other business credit bureaus. These are the premier credit rating company’s that all banks turn to. To do this, you’ll need to get several business vendors who’ll extend you a small amount of credit. Pay those bills promptly, and those vendors can then be used as credit references. They will be reporting your payment history so the banks can check your business credit.

            Getting that first business line of credit isn’t rocket science. It just takes a little bit of work, and a lot of attention to detail.

Pat Gage, The Opportunity Creator, and a leading expert in the field of business credit has helped a number of clients target his specialty, starting, expanding, and growing their businesses through his trademarked 10 Steps to Money System. The Opportunity Creator is not only a sought after business credit coach but also a national speaker. For more information on any topic discussed, visit Gage’s site at http://www.10stepstomoney.com



Alabama (AL), Alaska (AK), Arizona (AZ), Arkansas (AR), California (CA), Colorado (CO), Connecticut (CT), Delaware (DE), Florida (FL), Georgia (GA), Hawaii (HI), Idaho (ID), Illinois (IL), Indiana (IN), Iowa (IA), Kansas (KS), Kentucky (KY), Louisiana (LA), Maine (ME), Maryland (MD), Massachusetts (MA), Michigan(MI), Minnesota (MN), Mississippi (MS), Missouri (MO), Montana (MT), Nebraska (NE), Nevada (NV), New Hampshire (NH), New Jersey (NJ), New Mexico (NM), New York (NY), North Carolina (NC), North Dakota (ND), Ohio (OH), Oklahoma (OK), Oregon (OR), Pennsylvania (PA), Rhode Island (RI), South Carolina (SC), South Dakota (SD), Tennessee (TN), Texas (TX), Utah (UT), Vermont (VT), Virginia (VA) , Washington (WA), West Virginia (WV), Wisconsin (WI), Wyoming (WY) Major Metro Areas: Albuquerque, Atlanta, Austin, Baltimore, Boston, Charlotte, Chicago, Chico, Cincinnati, Cleveland, Columbus, Dallas, Fort Worth, Denver, Bolder, Detroit, Ft Lauderdale, Palm Beach, Harford, Houston, Indianapolis, Jacksonville, Kansas City, Las Vegas, Little Rock, Long Island, Los Angeles, Memphis, Miami, Milwaukee, Minneapolis, St Paul, Monterey, Nashville, New Haven, New York, Oakland, East Bay, Oklahoma City, Orange County, Orlando, Philadelphia, Phoenix, Pittsburgh, Portland, Puerto Rico, Raleigh-Durham, Reno, Tahoe, Rochester, Sacramento, Salt Lake City, San Francisco, San Jose, Silicon Valley, Santa Fe, Seattle, Spokane, Springfield, St. Louis, Tampa, Toronto, Tucson, Washington Dc



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Pat Gage-Detroit, Michigan: How to Get Your 2ND Business Line of Credit

by Ralph Maupin on Sun 11 May 2008 03:00 PM EDT

Good for you! You were able to get that all important 1^st loan to start your fledgling business. Now you’re up-and-running, business is humming, and things are looking rosier than a horticultural shop in May. Time to sit back and smell those roses? Not quite. You’ve gone from working 10 hours a day to 12. You need money for expansion, marketing, people. You need to go back to the bank. But since you’ve already been successful once, you shouldn’t have any problem getting a second loan, right? Should be a snap!

            Well, maybe not quite that easy. Because your loan officer is going to look at you just as hard the second time around as he/she did the first. There are no free passes when it comes to getting credit, so you better be prepared to look good.

            Here’s how you do it:

·         First and foremost, make sure your business credit is in good shape. That means that all business credit cards have been paid in a timely manner, as well as bills from suppliers, utilities and the like. To find out how you stand, check with Dun & Bradstreet. They keep tabs on virtually all small businesses, and will have a record of your payment performance. If by some chance, there’s a blot on your record, find out what it is. You can be certain your loan officer will want to know what’s it’s all about. It’s up to you to make sure it can be explained, or better, removed before you apply for a loan. Don’t have a Dun & Bradstreet credit profile? Get signed up as soon as possible. A Dun & Bradstreet credit profile is the best way to get your business credit on track and supercharge your business with vendors and lenders. This demonstrates to the banks that your business is a real business and not “in a van down by the river.”

·         Ask for more than you actually need. It may sound scary, but remember you only use it as you need it. That’s the beauty of unsecured lines of credit. Yes, bigger loans mean bigger payments, but remember you only pay on what you use. This is about getting the right amount of unsecured lines of credit so that you don’t necessarily have to go back to the bank anytime soon. Applying for too small a loan can be just as dangerous as applying for too big a loan. Because then you have to keep going back. If you ask for the right amount then it will sustain your business for a little longer.

·         Clear up your personal credit if you have any problems. Your credit was probably pretty good when you were granted your first loan, but if for some reason it’s taken a hit since then, you’d better clear it up – and fast! Even though your business may be booming, lenders know that personal credit problems could carry over to your business down the road. That means getting your report from all three of the major credit-reporting bureaus – Equifax, Experian or TransUnion. This way you’ll find out exactly where you stand.

·         Anticipate, organize and be prepared when you make your loan application. Sounds simple enough, but have your financial consultant prepare an interim financial statement, incase the banker asks for it. However, remember that you are applying for unsecured lines of credit so you don’t have to put up your business or personal assets for collateral. In short, anything that will make you look more professional and prepared in the eyes of your lending officer, but don’t offer it if they don’t ask for it. The fact that you’ve prepared this material means less work your lending officer. Nothing wrong with that scenario!

Pat Gage, The Opportunity Creator, and a leading expert in the field of business credit has helped a number of clients target his specialty, starting, expanding, and growing their businesses through his trademarked 10 Steps to Money System. The Opportunity Creator is not only a sought after business credit coach but also a national speaker. For more information on any topic discussed, visit Pat Gage’s site at http://www.10stepstomoney.com

Alabama (AL), Alaska (AK), Arizona (AZ), Arkansas (AR), California (CA), Colorado (CO), Connecticut (CT), Delaware (DE), Florida (FL), Georgia (GA), Hawaii (HI), Idaho (ID), Illinois (IL), Indiana (IN), Iowa (IA), Kansas (KS), Kentucky (KY), Louisiana (LA), Maine (ME), Maryland (MD), Massachusetts (MA), Michigan(MI), Minnesota (MN), Mississippi (MS), Missouri (MO), Montana (MT), Nebraska (NE), Nevada (NV), New Hampshire (NH), New Jersey (NJ), New Mexico (NM), New York (NY), North Carolina (NC), North Dakota (ND), Ohio (OH), Oklahoma (OK), Oregon (OR), Pennsylvania (PA), Rhode Island (RI), South Carolina (SC), South Dakota (SD), Tennessee (TN), Texas (TX), Utah (UT), Vermont (VT), Virginia (VA) , Washington (WA), West Virginia (WV), Wisconsin (WI), Wyoming (WY) Major Metro Areas: Albuquerque, Atlanta, Austin, Baltimore, Boston, Charlotte, Chicago, Chico, Cincinnati, Cleveland, Columbus, Dallas, Fort Worth, Denver, Bolder, Detroit, Ft Lauderdale, Palm Beach, Harford, Houston, Indianapolis, Jacksonville, Kansas City, Las Vegas, Little Rock, Long Island, Los Angeles, Memphis, Miami, Milwaukee, Minneapolis, St Paul, Monterey, Nashville, New Haven, New York, Oakland, East Bay, Oklahoma City, Orange County, Orlando, Philadelphia, Phoenix, Pittsburgh, Portland, Puerto Rico, Raleigh-Durham, Reno, Tahoe, Rochester, Sacramento, Salt Lake City, San Francisco, San Jose, Silicon Valley, Santa Fe, Seattle, Spokane, Springfield, St. Louis, Tampa, Toronto, Tucson, Washington Dc

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For 20 Years All Waste has been the top Macomb County, Michigan Garbage Hauling, Trash Pick up, Dumpster and Roll-off Business

by Ralph Maupin on Sun 11 May 2008 03:00 PM EDT

Now they work to Remove and Roll-off the Threat of Breast Cancer

Macomb, MI – In addition to being the leading service provider for trash removal in Michigan, All Waste prides them selves on being among the leading Michigan companies actively involved with their community. They donated dumpster service to the AIDS walk of Detroit and for the Super Bowl XL volunteer appreciation party

Now, they join the fight against breast cancer. In recognition of Breast Cancer National Awareness Month they have painted a selection their dumpsters pink and decorated them with pink ribbons. A portion of All Waste’s proceeds will be donated to research, working to find a cure for the disease.

All Waste was formed to provide our customers with an honest company with professional services at fair and competitive prices. Sherman Rogers, president of All Waste, started in 1988 with a single Mack truck and 12 roll-off dumpsters. They currently operate with an all-Mack fleet of 12 trucks and more than 500 dumpsters, servicing the greater metropolitan Detroit area, providing rubbish and trash removal for all sites including residential, construction, industrial and commercial.

Their radio dispatch units enable them to respond to our customers quickly and professionally for jobs like demolition, remodeling waste removal and basement cleanup, yard cleaning, appliance removal, trash and rubbish collection.For 20 years they have been the leaders in Michigan trash hauling and junk removal, demolition, remodeling waste removal, basement cleanup, appliance removal, trash collection and even yard cleaning. Now they’re working to clean up and haul away breast cancer.

Contact:

ALL WASTE, LLC

4751 22 Mile Road

Shelby Township, MI 48317-1515

Hours: 8:00am - 5:00pm Eastern Time

Monday - Friday (Excluding U.S. holidays)

Phone:877-524-1002 Fax: 586-254-9936

Web site: http://thegarbageman.com/

Email: sherman@all-waste.com

All Waste services the following cities:

Macomb
--Bruce Township, Center Line, Chesterfield Township, Clinton Township, Eastpointe, Fraser, Harrison Township, Lenox Township, Macomb Township, Mt. Clemens, New Baltimore, Ray Township, Roseville, Richmond ,Richmond Township, Shelby Charter Township, St. Clair Shores Sterling Heights, Utica, Warren,

Oakland County
--Addison Township, Auburn Hills, Berkley, Beverly Hills, Bingham Farms, Birmingham, Bloomfield Township, Clawson, Commerce Township, Farmington, Farmington Hills, Ferndale, Franklin, Hazel Park, Highland Township, Holly, Holly Township, Huntington Woods, Independence Township, Keego Harbor, Lathrup Village, Lyon Township, Madison Heights, Milford, Milford Township, Northville, Novi, Oak Park, Oakland Township, Orchard Lake, Orion Township, Oxford Township, Pleasant Ridge, Pontiac, Rochester, Rochester Hills, Royal Oak, Southfield, South Lyon, Troy, Walled Lake, Waterford Township, West Bloomfield Township, White Lake Township, Wixom

Wayne County
--Belleville, Brownstown Township, Canton Township, Dearborn, Dearborn Heights, Grosse Ile Township, Grosse Pointe Shores, Grosse Pointe Woods, Hamtramck, Inkster, Livonia, Northville Township, Plymouth, Redford Township, Riverview, Romulus, Taylor, Trenton, Wayne, Westland, Wyandotte.

Washtenaw County:

Ann Arbor, Bridgewater, Chelsea, Dexter, Manchester, Salem, Saline, Superior Township, Whitmore Lake, Whittaker, Willis, and Ypsilanti

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Buying a Franchise? How to Buy One that’s Already Successful

by Ralph Maupin on Sun 11 May 2008 02:59 PM EDT

If you want to buy a franchise, don’t buy a new one – buy an existing location that is already operational and successful.

Can you test drive a franchise? Maybe not, but you can certainly ask questions when deciding which one to get into. Visit or call existing franchisees in the same system and see how they feel about the franchisor and the business requirements. Here are some questions you should ask:

Do you feel the franchisor can be trusted? Why or why not?

Are you happy with policies and procedures? If not, what would you change?

Do you feel you’re getting the advertising and marketing support you were promised?

Is the business and profits meeting your expectations?

How would you rate the franchisor?

Would you buy this franchise again, knowing what you know now?

What are the main problems of the business?

Do you believe it has the potential to grow? How?

Once you are satisfied with your research on the franchisor, find out all you can about how the franchise contract is structured. There are many items in a franchise agreement that an investor should understand. Here are a few:

Is the contract transferable or is the buyer required to enter into a new agreement at new terms and conditions with the franchisors?

Does the franchisor have the right of first refusal to buy the business? Typically, they do.

Are there restrictions from owning other franchises or even multiple locations? Some franchise contracts don’t allow you to own other businesses; you must devote your full time to that particular business. It may not even allow you to buy a second or third of that particular franchise.

Will the franchisor assist in the financing? Approval by the franchisor is very often required and you will incur the cost of going through the training before you can close the deal. The approval process can cost up to $3,000 - $5,000, and you can still be turned down. Be sure to understand how much of your time and money is at risk subject to approval from the franchisor.

Your due diligence is very important in researching the franchise. Investigate both the franchise and the franchisor and all issues related to the contract.

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Now I would like to share with you what a Billionaire once told a friend of mine.   Who immediately put what he learned to use and went from Bankruptcy to Multi-Millionaire in just a few short years. Discover how to do that for yourself. Listen to the whole story here! ==> http://www.successinsiders.com/home.html

This article is derived from an interview between Lance Hood from SuccessInsiders.com and top business buying expert Richard Parker.

From Lance Hood – SuccessInsiders.com

Research, Investment, Buying Business, Business Brokers, Chambers of Commerce, Making Money, Wealth, Business Skills

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Understanding the Role of Business Brokers when Purchasing a Business

by Ralph Maupin on Sun 11 May 2008 02:58 PM EDT

Using business brokers to do the hard work can help at times, but they also have their drawbacks. There are some good services business brokers can provide, but don’t confuse using one with hiring one. Brokers don’t work for buyers; they either represent the seller or the deal. They are not trusted, unbiased advisors for the buyer unless they have been engaged by them exclusively and not being paid by the seller.

A common misconception about business brokers is that many relate to them as they would real estate agents. They go into the process thinking a business broker is going to deal with them as a buyer broker, as a real estate agent deals with a homebuyer.

Brokers can help you locate businesses, be a buffer between parties, and assist in putting the deal together. They will not represent your interest or negotiate you deal, or do your work. They will not take you to visit thirty businesses like a real estate agent will with houses.

With so many buyers and few sellers, brokers compete for getting as many listings as they can, good and bad. “There’s a buyer for every business”, in their mind, so business brokerage is a quantity, not a quality oriented business. About 90% of the listings online are controlled by brokers. Business brokers only sell about 4% of the small businesses that change hands each year. They’ll often represent selling more, but studies have shown the number closer to 4%. Eighty percent of online listings never sell.

To get a broker to point out the best businesses for you, it is important to demonstrate to a broker that you are serious about buying a business and you’re ready to buy immediately, should the right opportunity present itself. A business broker’s only asset is their time; they do not want to waste it. They leverage their time most effectively with having many listings and being able to sell them quickly. Impress the broker as a serious buyer to get them to choose you, over hundreds of other buyers, to show the premium listings to.

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Now I would like to share with you what a Billionaire once told a friend of mine.   Who immediately put what he learned to use and went from Bankruptcy to Multi-Millionaire in just a few short years. Discover how to do that for yourself. Listen to the whole story here! ==> http://www.successinsiders.com/home.html

This article is derived from an interview between Lance Hood from SuccessInsiders.com and top business buying expert Richard Parker.

From Lance Hood

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Points to Ponder when Choosing a Business Broker

by Ralph Maupin on Sun 11 May 2008 02:58 PM EDT

Communication and feedback is important within a relationship with a business broker. A good broker will at least respond to all offers and inquiries quickly to show they are serious. Proper business courtesy demonstrates a professional attitude and that they are serious and committed. Another thing to look for is the level of detail in their business profiles.

There is a lot of information to consider when making an offer on a business opportunity listing, including the business’s strengths, weaknesses, opportunities, marketplace, competitors, legal issues and background. When a broker responds to your inquiry with a one-page description of the business, and does not have much more data or backup to provide to you, you know this broker isn’t going to be the most effective to work with. This shows how little they care to know about their listings. This is one reason why 80% of businesses listed do not sell.

A good broker will do all they can to insure the business will sell quickly if they are doing the seller a good service. They will understand that the seller has to keep running the company as if it is not going to sell. If the seller is forced to focus too much attention on the sale, they will find their business declining. With this in mind, a good broker will provide a good service to the buyer as well, when they care to know enough details about the business to present to an inquiring buyer even though they often represent and are paid by the seller.

There are three important issues to discuss with business brokers:

Ask them to walk you through their process of working with a buyer

Ask if they co-broker deals of if the simply sell their own listings

Ask what is the typical deal structure of their deals

Their answer to the typical deal structure of their deals is an indicator as to how effective they will be as a broker. If they simply answer, “mostly cash,” they are either “bluffing” or not selling enough businesses. If they answer “mostly third-party financing through a bank,” wrong answer, again; only about 6% of deals are financed that way. How about the broker who answers “Most of my deals contain some element of seller financing, creative financing, or creative deal structure.” This would be the broker to deal with. This one clearly understands that every deal is unique and they know how to massage the deal to a successful closing.

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Now I would like to share with you what a Billionaire once told a friend of mine.   Who immediately put what he learned to use and went from Bankruptcy to Multi-Millionaire in just a few short years. Discover how to do that for yourself. Listen to the whole story here! ==> http://www.successinsiders.com/home.html

This article is derived from an interview between Lance Hood from SuccessInsiders.com and top business buying expert Richard Parker.

From Lance Hood – SuccessInsiders.com

Research, Investment, Buying Business, Business Brokers, Chambers of Commerce, Making Money, Wealth, Business Skills

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Your Time is Precious – Don’t Waste it When hen Searching for a Business to Buy

by Ralph Maupin on Sun 11 May 2008 02:57 PM EDT

There are several areas where people commonly waste time searching for the right business to buy. Keep two things in mind when buying a business; there are many more buyers in the market than businesses to be sold and the good businesses sell fast. The biggest competition comes from other buyers; therefore, you need to act quickly on a good opportunity.

There are five typical issues that cause people to waste time:

Turning the search into a looking process rather than a buying process -The Internet is the best and the worst thing to ever happen to the business for sale marketplace. The best because of the abundance of businesses listed and the worst because it leads you to click, click, click to look at them all. We’re too quick to move on to what we think can be a more promising deal to digest the information and make an effective inquiry.

Fear of making an inquiry - It doesn’t cost you anything and you’re not going to do anything wrong. You’re just looking for additional information and making inquiries.

Apprehension about making offers due to missing information - For example, maybe you don’t know all the financial details reported by the business, which could affect your offer. On the other hand, you are worried about losing the opportunity. So make the offer with protective clauses to allow you to back out of the deal and be fully protected.

Letting others dictate the rules - Don’t be bullied by brokers; this is your money, your future, and you are the boss; be in control.

Looking for the Perfect Business - You won’t find it; they all have their drawbacks. It’s up to you to select one which your strengths will be a valuable asset to make the undervalued business and valuable business.

Cut down on the search time to be better spent on improving and growing your new business. Focus on the goal and stick to the plan and move forward.

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Now I would like to share with you what a Billionaire once told a friend of mine.   Who immediately put what he learned to use and went from Bankruptcy to Multi-Millionaire in just a few short years. Discover how to do that for yourself. Listen to the whole story here! ==> http://www.successinsiders.com/home.html

This article is derived from an interview between Lance Hood from SuccessInsiders.com and top business buying expert Richard Parker.

From Lance Hood – SuccessInsiders.com

Research, Investment, Buying Businesses, Business Brokers, Chambers of Commerce, Making Money, Building Wealth, Business Skills

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Resources for Choosing and Researching the Right Type of Business to Buy

by Ralph Maupin on Sun 11 May 2008 02:56 PM EDT

Manufacturing, service, retail, wholesale and the internet businesses all have different values. There are software programs available for determining value and helping to speed up the process of researching and analyzing businesses.

Through a good valuation program and interactive software containing legal agreements, templates and sample letters of solicitations you can cut the average business purchasing time by 70%. These time-saving materials can also be a savings on fees charged by attorneys and accountants. Of course you must use an attorney and accountant, but you can save a lot on their fees.

You can use solicitation letters to find businesses that are not currently on the market. The one we use generates as high as a 40% response rate. Follow up letters to send to sellers, forms, logs and checklists, and other interactive resources provide templates for doing your research.

It is important that the area of business you choose to purchase meets certain criteria about you and your needs. Choose business that will benefit from your strengths, while they do not suffer from your weaknesses. One common mistake made by many is turning a hobby into a business. This is a bad choice because their prejudices of the hobby can have an adverse effect on the business. The definition of a good business is one that has a good fit, has the opportunity to grow, make plenty of money and be enjoyable to run.

The resources are endless when considering the purchase of a business. The Internet, business brokers, classified sections, attorneys, accountants, Chambers of Commerce but most of all people are the best resources. Attend workshops and seminars; learn by networking with others who have businesses and get the word out that you are looking to purchase a business.

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Now I would like to share with you what a Billionaire once told a friend of mine.   Who immediately put what he learned to use and went from Bankruptcy to Multi-Millionaire in just a few short years. Discover how to do that for yourself. Listen to the whole story here! ==> http://www.successinsiders.com/home.html

This article is derived from an interview between Lance Hood from SuccessInsiders.com and top business buying expert Richard Parker.

From Lance Hood – SuccessInsiders.com

Research, Investment, Buying Business, Business Brokers, Chambers of Commerce, Making Money, Wealth, Business Skills

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How to Find an Undervalued Business for Sale at a Great Price

by Ralph Maupin on Sun 11 May 2008 02:55 PM EDT

There are over 23 million small businesses in the USA; about 10 million of them are non-home-based businesses. There is no shortage of businesses to be purchased. The key is to get in front of business owners, talk to people in the business community about businesses. Decide what type of business you are right for and begin your research.

An undervalued business is one where the foundation is in place, it is operating and bringing a profit, but not running at its full potential. It could be that the owner is tired, or hasn’t the will or ambition to drive the business successfully. How often have you gone into a local business and seen that it was making money, “in spite of the owner.” They’re not serving the customers properly or their product line could be better. Still, they are making a profit. This is an example of an undervalued business; one you could purchase and grow into a valuable one.

Once you have an idea of the type of business you’re looking for, you need to find a motivated seller; someone who wants out. They may not want out because it is a bad business; there probably isn’t anything wrong with the business itself. There are many valid reasons for selling a business, including death, divorce, retirement and many more.

What is a great price? Different types of businesses have different values. Examples of different businesses are manufacturing, service, retail, distribution or an internet business. We have proprietary software which we’ve used for over 1,000 transactions and specific businesses to formulate valuation. Simply enter in the data; answer the questions related to the business and it generates a valuation report.

The resources are endless when considering the purchase of a business. The internet, business brokers, classified sections, attorneys, accountants, Chambers of Commerce but most of all people are the best resources. Attend workshops and seminars; learn by networking with others who have businesses and research online.

---------------------------------------------------------------------------------------------------------

Now I would like to share with you what a Billionaire once told a friend of mine.   Who immediately put what he learned to use and went from Bankruptcy to Multi-Millionaire in just a few short years. Discover how to do that for yourself. Listen to the whole story here! ==> http://www.successinsiders.com/home.html

This article is derived from an interview between Lance Hood from SuccessInsiders.com and top business buying expert Richard Parker.

From Lance Hood – SuccessInsiders.com

Research, Investment, Buying Business, Business Brokers, Chambers of Commerce, Making Money, Wealth, Business Skills

Leave Comment | Permanent Link | Cosmos

Are You Sick of the 9 to 5 Grind?—Buy a Business and Work for Yourself

by Ralph Maupin on Sun 11 May 2008 02:54 PM EDT

I recall reading a study that indicated 74% of people actually hate their job and dread going to work every morning. What would your life look like if you owned your own business? The simple fact that you are working 9am to 5pm is incentive enough to think about making a change. Add the commute back and forth to work and most of your day is spent working for someone else, doing something you hate; in other words, you hate most of your life! It’s time to stop making excuses and start making a change-motivate and create a path to success:



“I just don’t have the time.”

Focus on your goal, not your problems or excuses

Get educated; read books, attend seminars and workshops on weekends and evenings

Network with other business owners-get the word out that you are looking to buy a business

Search the internet for a business during “off hours”

“I’m too old.”

I said to my cousin, “I just can’t believe you’re turning 50!” She said, “It’s okay; fifty is the new 35!”

Colonel Saunders was 67 when he went into the Kentucky Fried Chicken business

35-55 is a great time to go into business for your self. You have years of working and acquiring skills and experience. You have developed the wisdom and to be able to identify your strongest skills and the patience to persevere.

“I don’t have enough money.”

Money is the point of all this and you don’t need as much as you think.

Start small and build something big

Ask for seller financing-if the seller is motivated, he’ll be inclined to agree. This way, he still gets to collect some cash flow from the business without having to run the business. There are also tax advantages to seller financing rather than getting paid off in one big payment at the time of sale.

So, problems are just excuses. Go on doing what you are doing and nothing will change. You will never have the time, you will continue to grow older, and you will not have enough money. Why not make the change? So many others have done it before you, and many more will after you.

Motivate and create a new career and start your new life now!

---------------------------------------------------------------------------------------------------------

Now I would like to share with you what a Billionaire once told a friend of mine.   Who immediately put what he learned to use and went from Bankruptcy to Multi-Millionaire in just a few short years. Discover how to do that for yourself. Listen to the whole story here! ==> http://www.successinsiders.com/home.html

This article is derived from an interview between Lance Hood from SuccessInsiders.com and top business buying expert Richard Parker.

From Lance Hood – SuccessInsiders.com

Research, Investment, Buying Business, Business Brokers, Chambers of Commerce, Making Money, Wealth, Business Skills

Leave Comment | Permanent Link | Cosmos

Buying an Existing Business versus Starting up a New Business

by Ralph Maupin on Sun 11 May 2008 02:54 PM EDT

Starting a business is a rich man’s game, and buying an existing business is a poor man’s game. Most people would think that the opposite is true.

There are many advantages to buying an existing business rather than starting a new business. Statistics show that 96% of business startups fail within the first five years, with 80% failing with the first 3 years. With the odds of failure being so high that you are going to lose your entire investment of time and money within 5 years or less, that is a rich man’s game. Anyone who can afford this type of loss must be pretty rich.

Buying an existing business with an ongoing infrastructure of a provable business model, one that has been operating for a few years or more and is making a profit sounds like a much better deal. Profits will flow immediately versus a startup where there is no way to predict when you will be showing a profit. A solid customer base is already formed; people are familiar with what you have to offer, so there is no need for start up marketing.

The history of a business is in place and you can review it to determine potential profits for the future. Policies and procedures are in place, employees are trained, and the business is operating.   Simply step into the seller’s shoes, add some of your own personal touches, maybe a new product or service, and you’re on your way to making your new business grow and thrive.

---------------------------------------------------------------------------------------------------------

Now I would like to share with you what a Billionaire once told a friend of mine.   Who immediately put what he learned to use and went from Bankruptcy to Multi-Millionaire in just a few short years. Discover how to do that for yourself. Listen to the whole story here! ==> http://www.successinsiders.com/home.html

This article is derived from an interview between Lance Hood from SuccessInsiders.com and top business buying expert Richard Parker.

From Lance Hood – SuccessInsiders.com

Research, Investment, Buying Businesses, Business Brokers, Chambers of Commerce, Making Money, Wealth Building, Business Skills

Leave Comment | Permanent Link | Cosmos

Tips for Buying a Business – it’s Easier and Less Expensive than You Think

by Ralph Maupin on Sun 11 May 2008 02:53 PM EDT

Purchasing an undervalued business at a reasonable price can be quite profitable while it accelerates the path to financial independence and eliminates many of the risks of new startups. The key is finding businesses that are already profitable but earning far less then they could be.

An undervalued business is one which is doing well but it is not operating to its best potential. Maybe the owner just isn’t motivated to continue growing the business and updating the marketing techniques. Lack of motivation or desire to keep a business growing is often due to death, divorce, retirement or many other valid reasons. In any event, an undervalued business can be a great deal for someone who is fresh and motivated to improve the business. The idea is to get a good solid business and turn it into a great one.

There are some critical steps to take before becoming a business owner:

Become educated; read how the experts do it, attend seminars and workshops, network with other business owners

Take a self inventory of your own strengths and weakness to determine the type of business that would thrive from your strengths and not suffer from your weaknesses

Discover your passion; what type of business do you see an opportunity for yourself in?

Get the word out that you are looking to buy a business

Keep in mind the restrictions of owning a business; how much work is involved, how much of your physical time is required and whether running the business fits well with your needs and lifestyle.



When you are accustomed to working for someone, you begin to see things as an employee. Many people never get out of the mindset of working for someone as opposed to working for themselves. Going into business does not allow the luxury of getting on the job training, because the goal is to make sure that the money which has been invested is not wasted. The beauty of purchasing existing businesses is that they are not as expensive or involved as people may think. Owning a business is well within reach of the majority of people who want to own a business.

---------------------------------------------------------------------------------------------------------

Now I would like to share with you what a Billionaire once told a friend of mine.   Who immediately put what he learned to use and went from Bankruptcy to Multi-Millionaire in just a few short years. Discover how to do that for yourself. Listen to the whole story here! ==> http://www.successinsiders.com/home.html

This article is derived from an interview between Lance Hood from SuccessInsiders.com and top business buying expert Richard Parker.

From Lance Hood – SuccessInsiders.com

Research, Investment, Buying Business, Business Brokers, Chambers of Commerce, Making Money, Creating Wealth, Business Skills

Leave Comment | Permanent Link | Cosmos

Wednesday, May 7

For 20 Years All Waste has been the top Macomb County, Michigan Garbage Hauling, Trash Pick up, Dumpster and Roll-off Business

by Ralph Maupin on Wed 07 May 2008 09:44 PM EDT

Now they work to Remove and Roll-off the Threat of Breast Cancer

Macomb, MI – In addition to being the leading service provider for trash removal in Michigan, All Waste prides them selves on being among the leading Michigan companies actively involved with their community. They donated dumpster service to the AIDS walk of Detroit and for the Super Bowl XL volunteer appreciation party

Now, they join the fight against breast cancer. In recognition of Breast Cancer National Awareness Month they have painted a selection their dumpsters pink and decorated them with pink ribbons. A portion of All Waste’s proceeds will be donated to research, working to find a cure for the disease.

All Waste was formed to provide our customers with an honest company with professional services at fair and competitive prices. Sherman Rogers, president of All Waste, started in 1988 with a single Mack truck and 12 roll-off dumpsters. They currently operate with an all-Mack fleet of 12 trucks and more than 500 dumpsters, servicing the greater metropolitan Detroit area, providing rubbish and trash removal for all sites including residential, construction, industrial and commercial.

Their radio dispatch units enable them to respond to our customers quickly and professionally for jobs like demolition, remodeling waste removal and basement cleanup, yard cleaning, appliance removal, trash and rubbish collection.For 20 years they have been the leaders in Michigan trash hauling and junk removal, demolition, remodeling waste removal, basement cleanup, appliance removal, trash collection and even yard cleaning. Now they’re working to clean up and haul away breast cancer.

Contact:

ALL WASTE, LLC

4751 22 Mile Road

Shelby Township, MI 48317-1515

Hours: 8:00am - 5:00pm Eastern Time

Monday - Friday (Excluding U.S. holidays)

Phone:877-524-1002 Fax: 586-254-9936

Web site: http://thegarbageman.com/

Email: sherman@all-waste.com

All Waste services the following cities:

Macomb
--Bruce Township, Center Line, Chesterfield Township, Clinton Township, Eastpointe, Fraser, Harrison Township, Lenox Township, Macomb Township, Mt. Clemens, New Baltimore, Ray Township, Roseville, Richmond ,Richmond Township, Shelby Charter Township, St. Clair Shores Sterling Heights, Utica, Warren,

Oakland County
--Addison Township, Auburn Hills, Berkley, Beverly Hills, Bingham Farms, Birmingham, Bloomfield Township, Clawson, Commerce Township, Farmington, Farmington Hills, Ferndale, Franklin, Hazel Park, Highland Township, Holly, Holly Township, Huntington Woods, Independence Township, Keego Harbor, Lathrup Village, Lyon Township, Madison Heights, Milford, Milford Township, Northville, Novi, Oak Park, Oakland Township, Orchard Lake, Orion Township, Oxford Township, Pleasant Ridge, Pontiac, Rochester, Rochester Hills, Royal Oak, Southfield, South Lyon, Troy, Walled Lake, Waterford Township, West Bloomfield Township, White Lake Township, Wixom

Wayne County
--Belleville, Brownstown Township, Canton Township, Dearborn, Dearborn Heights, Grosse Ile Township, Grosse Pointe Shores, Grosse Pointe Woods, Hamtramck, Inkster, Livonia, Northville Township, Plymouth, Redford Township, Riverview, Romulus, Taylor, Trenton, Wayne, Westland, Wyandotte.

Washtenaw County:

Ann Arbor, Bridgewater, Chelsea, Dexter, Manchester, Salem, Saline, Superior Township, Whitmore Lake, Whittaker, Willis, and Ypsilanti

Leave Comment | Permanent Link | Cosmos

All Waste, LLC, Michigan Garbage Removal, Dumpster Rental, Trash Pick up, and Roll-off Service, Joins the Community Fight to Eliminate Breast Cancer

by Ralph Maupin on Wed 07 May 2008 09:44 PM EDT

They painted their dumpsters pink and decorated them with ribbons in recognition of breast cancer awareness

Macomb, MI - In recognition of Breast Cancer National Awareness Month, All Waste is spreading the message for breast cancer awareness. To bring attention to this worthy cause have painted a selection our dumpsters pink and decorated them with pink ribbons. All Waste is also contributing a portion of their proceeds to a research foundation working to find a cure for this disease.

For 20 years they have been Michigan’s leading trash hauling and junk removal company, beginning in 1988 when Sherman Rogers began the company with a Mack truck and 12 roll-off dumpsters. Rogers, president of All Waste, now runs an all-Mack fleet of 12 trucks and more than 500 dumpsters.

All Waste serves the greater metropolitan Detroit area, providing rubbish and trash removal. They service all sites including residential, construction, industrial and commercial such as shopping centers, malls and restaurants, with 10 to 40 foot dumpsters with open top and rear door swing.

Over the past two decades All Waste has worked to continue the good name they have earned.Their radio dispatch units enable them to respond to customers quickly and professionally for jobs like demolition, remodeling waste removal and basement cleanup.They exceed others in trash compactor sales and dumpster rentals. They even do yard cleaning, appliance removal, trash and rubbish collection.

ALL WASTE, LLC

4751 22 Mile Road

Shelby Township, MI 48317-1515

Hours: 8:00am - 5:00pm Eastern Time

Monday - Friday (Excluding U.S. holidays)

Phone:877-524-1002 Fax: 586-254-9936

Web site: http://thegarbageman.com/

Email: sherman@all-waste.com

ALL WASTE is the leading name in Construction Waste Management, servicing the following areas:

Macomb
--Bruce Township, Center Line, Chesterfield Township, Clinton Township, Eastpointe, Fraser, Harrison Township, Lenox Township, Macomb Township, Mt. Clemens, New Baltimore, Ray Township, Roseville, Richmond ,Richmond Township, Shelby Charter Township, St. Clair Shores Sterling Heights, Utica, Warren,

Oakland County
--Addison Township, Auburn Hills, Berkley, Beverly Hills, Bingham Farms, Birmingham, Bloomfield Township, Clawson, Commerce Township, Farmington, Farmington Hills, Ferndale, Franklin, Hazel Park, Highland Township, Holly, Holly Township, Huntington Woods, Independence Township, Keego Harbor, Lathrup Village, Lyon Township, Madison Heights, Milford, Milford Township, Northville, Novi, Oak Park, Oakland Township, Orchard Lake, Orion Township, Oxford Township, Pleasant Ridge, Pontiac, Rochester, Rochester Hills, Royal Oak, Southfield, South Lyon, Troy, Walled Lake, Waterford Township, West Bloomfield Township, White Lake Township, Wixom

Wayne County
--Belleville, Brownstown Township, Canton Township, Dearborn, Dearborn Heights, Grosse Ile Township, Grosse Pointe Shores, Grosse Pointe Woods, Hamtramck, Inkster, Livonia, Northville Township, Plymouth, Redford Township, Riverview, Romulus, Taylor, Trenton, Wayne, Westland, Wyandotte.

Washtenaw County:

Ann Arbor, Bridgewater, Chelsea, Dexter, Manchester, Salem, Saline, Superior Township, Whitmore Lake, Whittaker, Willis, and Ypsilanti

Leave Comment | Permanent Link | Cosmos

All Waste Garbage Pick-up Service of Metro Detroit, Michigan, Donates Dumpster Service to Worthy Causes as they Join the Fight against Breast Cancer

by Ralph Maupin on Wed 07 May 2008 09:43 PM EDT

Think Pink - They have painted our dumpsters Pink in recognition of Breast Cancer National Awareness Month

Eastpointe, MI - For 20 years All Waste has been the leaders in Michigan trash hauling and junk removal. They also surpass others in trash compactor sales and services as well as dumpster rentals.

Their radio dispatch units enable them to respond to their customers quickly and professionally for jobs like demolition, remodeling waste removal and basement cleanup. They even do yard cleaning, appliance removal, trash and rubbish collection. They have 10, 20, 30 and 40 foot dumpsters to accommodate any size job.

All Waste serves the greater metropolitan Detroit area, providing rubbish and trash removal from construction, industrial, commercial and residential sites, including shopping centers, malls and restaurants. They are not only the #1 service provider for trash removal in Michigan; they pride themselves on being among the leading Michigan companies actively involved with the community. They donated dumpster service to the AIDS walk of Detroit and the Super Bowl XL volunteer appreciation party.

All Waste supplied the “We are here foundation" with container service to clean up the Clinton river water shed. Now, in recognition of Breast Cancer National Awareness Monththey have painted a selection our dumpsters pink and decorated them with pink ribbons. In addition they are contributing a portion of All Waste’s proceeds to a research foundation working to find a cure for this disease. For 20 years they have been the leaders in Michigan trash hauling and junk removal, now they’re working to remove the threat of breast cancer.

Contact:

ALL WASTE, LLC

4751 22 Mile Road

Shelby Township, MI 48317-1515

Hours: 8:00am - 5:00pm Eastern Time

Monday - Friday (Excluding U.S. holidays)

Phone:877-524-1002 Fax: 586-254-9936

Web site: http://thegarbageman.com/

Email: sherman@all-waste.com

All Waste services the following areas:

Macomb
--Bruce Township, Center Line, Chesterfield Township, Clinton Township, Eastpointe, Fraser, Harrison Township, Lenox Township, Macomb Township, Mt. Clemens, New Baltimore, Ray Township, Roseville, Richmond, Richmond Township, Shelby Charter Township, St. Clair Shores Sterling Heights, Utica, Warren,

Oakland County
--Addison Township, Auburn Hills, Berkley, Beverly Hills, Bingham Farms, Birmingham, Bloomfield Township, Clawson, Commerce Township, Farmington, Farmington Hills, Ferndale, Franklin, Hazel Park, Highland Township, Holly, Holly Township, Huntington Woods, Independence Township, Keego Harbor, Lathrup Village, Lyon Township, Madison Heights, Milford, Milford Township, Northville, Novi, Oak Park, Oakland Township, Orchard Lake, Orion Township, Oxford Township, Pleasant Ridge, Pontiac, Rochester, Rochester Hills, Royal Oak, Southfield, South Lyon, Troy, Walled Lake, Waterford Township, West Bloomfield Township, White Lake Township, Wixom

Wayne County
--Belleville, Brownstown Township, Canton Township, Dearborn, Dearborn Heights, Grosse Ile Township, Grosse Pointe Shores, Grosse Pointe Woods, Hamtramck, Inkster, Livonia, Northville Township, Plymouth, Redford Township, Riverview, Romulus, Taylor, Trenton, Wayne, Westland, Wyandotte.

Washtenaw County:

Ann Arbor, Bridgewater, Chelsea, Dexter, Manchester, Salem, Saline, Superior Township, Whitmore Lake, Whittaker, Willis, and Ypsilanti

Leave Comment | Permanent Link | Cosmos

All Waste, LLC #1 Macomb County Trash Pick-up and Dumpster Service Leads the Fight against Breast Cancer

by Ralph Maupin on Wed 07 May 2008 09:42 PM EDT

They are contributing a portion of All Waste’s proceeds to a research foundation working to find a cure for this disease

Chesterfield, MI – Sherman Rogers, President of All Waste, LLC, has painted a selection his dumpsters pink and decorated them with pink ribbons in recognition of Breast Cancer National Awareness Month. In addition to that his company is contributing a portion of All Waste’s proceeds to a research foundation working to find a cure for this disease. For 20 years he have been the leaders in Michigan trash hauling and junk removal, demolition, remodeling waste removal, basement cleanup, appliance removal, trash collection and even yard cleaning. Now he is working on getting rid of breast cancer.

All Waste was formed to provide customers with an honest company with professional services at fair and competitive prices. They pride themselves with quality service and timely delivery. All Waste serves the greater metropolitan Detroit area, providing rubbish and trash removal from construction, industrial, commercial and residential sites, including shopping centers, malls and restaurants.

Not only are they the leading service provider for trash removal in Michigan, they pride ourselves on being among the leading Michigan companies actively involved with their community. In addition to joining the fight against breast cancer, they supply the “We are here foundation" with container service to clean up the Clinton river water shed. They supply container service to the Motown Winter Blast and they donate dumpsters to the annual Jobbienooner party and place them on a barge to the island custom dumpster service. All Waste also donates dumpster service to the AIDS walk of Detroit.

ALL WASTE, LLC

4751 22 Mile Road

Shelby Township, MI 48317-1515

Hours: 8:00am - 5:00pm Eastern Time

Monday - Friday (Excluding U.S. holidays)

Phone:877-524-1002 Fax: 586-254-9936

Web site: http://thegarbageman.com/

Email: sherman@all-waste.com

ALL WASTE is the leading name in Construction Waste Management, servicing the following areas:

Macomb
--Bruce Township, Center Line, Chesterfield Township, Clinton Township, Eastpointe, Fraser, Harrison Township, Lenox Township, Macomb Township, Mt. Clemens, New Baltimore, Ray Township, Roseville, Richmond ,Richmond Township, Shelby Charter Township, St. Clair Shores Sterling Heights, Utica, Warren,

Oakland County
--Addison Township, Auburn Hills, Berkley, Beverly Hills, Bingham Farms, Birmingham, Bloomfield Township, Clawson, Commerce Township, Farmington, Farmington Hills, Ferndale, Franklin, Hazel Park, Highland Township, Holly, Holly Township, Huntington Woods, Independence Township, Keego Harbor, Lathrup Village, Lyon Township, Madison Heights, Milford, Milford Township, Northville, Novi, Oak Park, Oakland Township, Orchard Lake, Orion Township, Oxford Township, Pleasant Ridge, Pontiac, Rochester, Rochester Hills, Royal Oak, Southfield, South Lyon, Troy, Walled Lake, Waterford Township, West Bloomfield Township, White Lake Township, Wixom

Wayne County
--Belleville, Brownstown Township, Canton Township, Dearborn, Dearborn Heights, Grosse Ile Township, Grosse Pointe Shores, Grosse Pointe Woods, Hamtramck, Inkster, Livonia, Northville Township, Plymouth, Redford Township, Riverview, Romulus, Taylor, Trenton, Wayne, Westland, Wyandotte.

Washtenaw County:

Ann Arbor, Bridgewater, Chelsea, Dexter, Manchester, Salem, Saline, Superior Township, Whitmore Lake, Whittaker, Willis, and Ypsilanti

Leave Comment | Permanent Link | Cosmos

All Waste, Michigan’s Leader in Garbage Pick-up and Roll-Off Service, is also a Leader in Community Service

by Ralph Maupin on Wed 07 May 2008 09:41 PM EDT

All Waste Donates Dumpster Service to Worthy Causes and Joins the Fight against Breast Cancer

Ann Arbor, MI - Sherman Rogers began his business in 1998 with a single Mack truck and 12 roll-off dumpsters. Rogers, president of All Waste, now runs an all-Mack fleet of 12 trucks and more than 500 dumpsters. All Waste is an honest company with professional services at fair and competitive prices. They are not only the #1 trash service provider in Michigan; they also lead the way in community service.

Sherman has joined the fight against breast cancer, showing his support by painting his dumpsters pink and decorating them with ribbons. He also contributes a portion of All Waste’s proceeds to a research foundation in hopes of finding a cure for this disease. In addition, All Waste provided the “We are here foundation" with container service to clean up the Clinton river water shed. They did the same for the Motown Winter Blast and the annual Jobbienooner party. All Waste donated dumpster service to the AIDS walk of Detroit and now they are joining the fight against breast cancer.

For 20 years we have been the leaders in Michigan trash hauling and junk removal, demolition, remodeling waste removal, basement cleanup, appliance removal, trash collection and even yard cleaning. All Waste serves the greater metropolitan Detroit area, providing rubbish and trash removal from construction, industrial, commercial and residential sites, including shopping centers, malls and restaurants.

Contact:

ALL WASTE, LLC

4751 22 Mile Road

Shelby Township, MI 48317-1515

Hours: 8:00am - 5:00pm Eastern Time

Monday - Friday (Excluding U.S. holidays)

Phone:877-524-1002 Fax: 586-254-9936

Web site: http://thegarbageman.com/

Email: sherman@all-waste.com

All Waste serves the following areas:

Macomb
--Bruce Township, Center Line, Chesterfield Township, Clinton Township, Eastpointe, Fraser, Harrison Township, Lenox Township, Macomb Township, Mt. Clemens, New Baltimore, Ray Township, Roseville, Richmond ,Richmond Township, Shelby Charter Township, St. Clair Shores Sterling Heights, Utica, Warren,

Oakland County
--Addison Township, Auburn Hills, Berkley, Beverly Hills, Bingham Farms, Birmingham, Bloomfield Township, Clawson, Commerce Township, Farmington, Farmington Hills, Ferndale, Franklin, Hazel Park, Highland Township, Holly, Holly Township, Huntington Woods, Independence Township, Keego Harbor, Lathrup Village, Lyon Township, Madison Heights, Milford, Milford Township, Northville, Novi, Oak Park, Oakland Township, Orchard Lake, Orion Township, Oxford Township, Pleasant Ridge, Pontiac, Rochester, Rochester Hills, Royal Oak, Southfield, South Lyon, Troy, Walled Lake, Waterford Township, West Bloomfield Township, White Lake Township, Wixom

Wayne County
--Belleville, Brownstown Township, Canton Township, Dearborn, Dearborn Heights, Grosse Ile Township, Grosse Pointe Shores, Grosse Pointe Woods, Hamtramck, Inkster, Livonia, Northville Township, Plymouth, Redford Township, Riverview, Romulus, Taylor, Trenton, Wayne, Westland, Wyandotte.

Washtenaw County:

Ann Arbor, Bridgewater, Chelsea, Dexter, Manchester, Salem, Saline, Superior Township, Whitmore Lake, Whittaker, Willis, and Ypsilanti

Leave Comment | Permanent Link | Cosmos

All Waste, #1 Washtenaw County, Michigan Waste Management Service, and Trash Pick up Service is working to remove the Threat of Breast Cancer

by Ralph Maupin on Wed 07 May 2008 09:40 PM EDT

They are not only the #1 service provider for trash removal in Michigan, they pride ourselves on being among the leading Michigan companies actively involved with the community

Ann Arbor, MI - For 20 years All Waste has been the leaders in Michigan trash hauling and junk removal. They also surpass others in trash compactor sales and services as well as dumpster rentals. their radio dispatch units enable them to respond to their customers quickly and professionally for jobs like demolition, remodeling waste removal and basement cleanup. They even do yard cleaning, appliance removal, trash and rubbish collection. With their 10, 20, 30 and 40 foot dumpsters they can take on any size job.

ALL WASTE, LLC was started 1998 by Sherman Rogers with a single Mack truck and 12 roll-off dumpsters. Rogers, president of All Waste, now runs an all-Mack fleet of 12 trucks and more than 500 dumpsters. All Waste was formed to provide our customers with an honest company with professional services at fair and competitive prices. They pride themselves with our quality service and timely delivery.

All Waste serves the greater metropolitan Detroit area, providing rubbish and trash removal from construction, industrial, commercial and residential sites, including shopping centers, malls and restaurants. They are not only the #1 service provider for trash removal in Michigan, they pride ourselves on being among the leading Michigan companies actively involved with their community. They donated dumpster service to the AIDS walk of Detroit and they supplied dumpster service for the Super Bowl XL volunteer appreciation party

In recognition of Breast Cancer National Awareness Monththey have painted a selection their dumpsters pink and decorated them with pink ribbons. In addition to this they are contributing a portion of All Waste’s proceeds to a research foundation working to find a cure for this disease. For 20 years they have been the leaders in Michigan trash hauling and junk removal, now they’re working to remove the threat of breast cancer.

ALL WASTE, LLC

4751 22 Mile Road

Shelby Township, MI 48317-1515

Hours: 8:00am - 5:00pm Eastern Time

Monday - Friday (Excluding U.S. holidays)

Phone:877-524-1002 Fax: 586-254-9936

Web site: http://thegarbageman.com/

Email: sherman@all-waste.com

ALL WASTE is the leading name in Construction Waste Management, servicing the following areas:

Macomb
--Bruce Township, Center Line, Chesterfield Township, Clinton Township, Eastpointe, Fraser, Harrison Township, Lenox Township, Macomb Township, Mt. Clemens, New Baltimore, Ray Township, Roseville, Richmond ,Richmond Township, Shelby Charter Township, St. Clair Shores Sterling Heights, Utica, Warren,

Oakland County
--Addison Township, Auburn Hills, Berkley, Beverly Hills, Bingham Farms, Birmingham, Bloomfield Township, Clawson, Commerce Township, Farmington, Farmington Hills, Ferndale, Franklin, Hazel Park, Highland Township, Holly, Holly Township, Huntington Woods, Independence Township, Keego Harbor, Lathrup Village, Lyon Township, Madison Heights, Milford, Milford Township, Northville, Novi, Oak Park, Oakland Township, Orchard Lake, Orion Township, Oxford Township, Pleasant Ridge, Pontiac, Rochester, Rochester Hills, Royal Oak, Southfield, South Lyon, Troy, Walled Lake, Waterford Township, West Bloomfield Township, White Lake Township, Wixom

Wayne County
--Belleville, Brownstown Township, Canton Township, Dearborn, Dearborn Heights, Grosse Ile Township, Grosse Pointe Shores, Grosse Pointe Woods, Hamtramck, Inkster, Livonia, Northville Township, Plymouth, Redford Township, Riverview, Romulus, Taylor, Trenton, Wayne, Westland, Wyandotte.

Washtenaw County:

Ann Arbor, Bridgewater, Chelsea, Dexter, Manchester, Salem, Saline, Superior Township, Whitmore Lake, Whittaker, Willis, and Ypsilanti

Leave Comment | Permanent Link | Cosmos

All Waste, LLC of Shelby Twp, Michigan Paints their Dumpsters Pink in Recognition of Breast Cancer Awareness

by Ralph Maupin on Wed 07 May 2008 09:40 PM EDT

Trash Removal is synonymous with the Fight to eliminate Breast Cancer

Shelby Twp, MI – All Waste is the leading service provider for trash removal in Michigan; they also pride ourselves on being among the leading Michigan companies actively involved with the community. They donated dumpster service to the AIDS walk of Detroit and the Super Bowl XL volunteer appreciation party. Now they join the fight against breast cancer, showing their support by painting dumpsters pint and decorating them with pink ribbons. All Waste donates a portion of all proceeds to a research foundation to find a cure for this disease.

All Waste was formed to provide customers with an honest company to give professional services at fair and competitive prices. Sherman Rogers, president of All Waste, formed the company 1988 with a single Mack truck and 12 roll-off dumpsters. He currently operates with an all-Mack fleet of 12 trucks and more than 500 dumpsters. All Waste services the greater metropolitan Detroit area providing rubbish and trash removal for all sites including residential, construction, industrial and commercial.

Their radio dispatch units enable then to respond to customers quickly and professionally for jobs like demolition, remodeling waste removal and basement cleanup, yard cleaning, appliance removal, trash and rubbish collection.For 20 years they have been the leaders in Michigan trash hauling and junk removal, demolition, remodeling waste removal, basement cleanup, appliance removal, trash collection and even yard cleaning. Now they are working on cleaning up and removing the threat of breast cancer.

Contact:

ALL WASTE, LLC

4751 22 Mile Road

Shelby Township, MI 48317-1515

Hours: 8:00am - 5:00pm Eastern Time

Monday - Friday (Excluding U.S. holidays)

Phone:877-524-1002 Fax: 586-254-9936

Web site: http://thegarbageman.com/

Email: sherman@all-waste.com

All Waste services the following cities:

Macomb
--Bruce Township, Center Line, Chesterfield Township, Clinton Township, Eastpointe, Fraser, Harrison Township, Lenox Township, Macomb Township, Mt. Clemens, New Baltimore, Ray Township, Roseville, Richmond ,Richmond Township, Shelby Charter Township, St. Clair Shores Sterling Heights, Utica, Warren,

Oakland County
--Addison Township, Auburn Hills, Berkley, Beverly Hills, Bingham Farms, Birmingham, Bloomfield Township, Clawson, Commerce Township, Farmington, Farmington Hills, Ferndale, Franklin, Hazel Park, Highland Township, Holly, Holly Township, Huntington Woods, Independence Township, Keego Harbor, Lathrup Village, Lyon Township, Madison Heights, Milford, Milford Township, Northville, Novi, Oak Park, Oakland Township, Orchard Lake, Orion Township, Oxford Township, Pleasant Ridge, Pontiac, Rochester, Rochester Hills, Royal Oak, Southfield, South Lyon, Troy, Walled Lake, Waterford Township, West Bloomfield Township, White Lake Township, Wixom

Wayne County
--Belleville, Brownstown Township, Canton Township, Dearborn, Dearborn Heights, Grosse Ile Township, Grosse Pointe Shores, Grosse Pointe Woods, Hamtramck, Inkster, Livonia, Northville Township, Plymouth, Redford Township, Riverview, Romulus, Taylor, Trenton, Wayne, Westland, Wyandotte.

Washtenaw County:

Ann Arbor, Bridgewater, Chelsea, Dexter, Manchester, Salem, Saline, Superior Township, Whitmore Lake, Whittaker, Willis, and Ypsilanti

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All Waste, #1 Oakland County Garbage Removal and Trash Pick-up Service, is also a leader in Community Service

by Ralph Maupin on Wed 07 May 2008 09:39 PM EDT

All Waste Donates Dumpster Service to Worthy Causes and Joins the Fight against Breast Cancer

Pontiac, MI - ALL WASTE, LLC was started 1998 by Sherman Rogers with a single Mack truck and 12 roll-off dumpsters. Rogers, president of All Waste, now runs an all-Mack fleet of 12 trucks and more than 500 dumpsters.

All Waste was formed to provide customers with an honest company with professional services at fair and competitive prices. They pride themselves with quality service and timely delivery. All Waste serves the greater metropolitan Detroit area, providing rubbish and trash removal from construction, industrial, commercial and residential sites, including shopping centers, malls and restaurants.

Tjey are not only the #1 service provider for trash removal in Michigan, they pride themselves on being among the leading Michigan companies actively involved with their community. They supply the “We are here foundation" with container service to clean up the Clinton river water shed. They also supply container service to the Motown Winter Blast and they donate dumpsters to the annual Jobbienooner party and place them on a barge to the island custom dumpster service. All Waste donates dumpster service to the AIDS walk of Detroit besides joining the fight against breast cancer.

All Waste has painted a selection their dumpsters pink and decorated them with pink ribbons in recognition of Breast Cancer National Awareness Month. In addition to that they are contributing a portion of All Waste’s proceeds to a research foundation working to find a cure for this disease. For 20 years All Waste has been the leaders in Michigan trash hauling and junk removal, demolition, remodeling waste removal, basement cleanup, appliance removal, trash collection and even yard cleaning.

ALL WASTE, LLC

4751 22 Mile Road

Shelby Township, MI 48317-1515

Hours: 8:00am - 5:00pm Eastern Time

Monday - Friday (Excluding U.S. holidays)

Phone:877-524-1002 Fax: 586-254-9936

Web site: http://thegarbageman.com/

Email: sherman@all-waste.com

All Waste Services the following cities:

Macomb
--Bruce Township, Center Line, Chesterfield Township, Clinton Township, Eastpointe, Fraser, Harrison Township, Lenox Township, Macomb Township, Mt. Clemens, New Baltimore, Ray Township, Roseville, Richmond ,Richmond Township, Shelby Charter Township, St. Clair Shores Sterling Heights, Utica, Warren,

Oakland County
--Addison Township, Auburn Hills, Berkley, Beverly Hills, Bingham Farms, Birmingham, Bloomfield Township, Clawson, Commerce Township, Farmington, Farmington Hills, Ferndale, Franklin, Hazel Park, Highland Township, Holly, Holly Township, Huntington Woods, Independence Township, Keego Harbor, Lathrup Village, Lyon Township, Madison Heights, Milford, Milford Township, Northville, Novi, Oak Park, Oakland Township, Orchard Lake, Orion Township, Oxford Township, Pleasant Ridge, Pontiac, Rochester, Rochester Hills, Royal Oak, Southfield, South Lyon, Troy, Walled Lake, Waterford Township, West Bloomfield Township, White Lake Township, Wixom

Wayne County
--Belleville, Brownstown Township, Canton Township, Dearborn, Dearborn Heights, Grosse Ile Township, Grosse Pointe Shores, Grosse Pointe Woods, Hamtramck, Inkster, Livonia, Northville Township, Plymouth, Redford Township, Riverview, Romulus, Taylor, Trenton, Wayne, Westland, Wyandotte.

Washtenaw County:

Ann Arbor, Bridgewater, Chelsea, Dexter, Manchester, Salem, Saline, Superior Township, Whitmore Lake, Whittaker, Willis, and Ypsilanti

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All Waste, LLC #1 Wayne County Rubbish Removal and Trash Pick-up Service, Helps Cancer Research

by Ralph Maupin on Wed 07 May 2008 09:39 PM EDT

All Waste, LLC is Painting their Dumpsters Pink in Recognition of Breast Cancer Awareness

Detroit, MI - In recognition of Breast Cancer National Awareness Month, All Waste is spreading the message for breast cancer awareness. To bring attention to this worthy cause they have painted a selection their dumpsters pink and decorated them with pink ribbons.

For 20 years All Waste has been Michigan’s best trash hauling and junk removal company. In 1988 Sherman Rogers started his company with a Mack truck and 12 roll-off dumpsters. Rogers, president of All Waste, now runs an all-Mack fleet of 12 trucks and more than 500 dumpsters.

All Waste serves the greater metropolitan Detroit area, providing rubbish and trash removal. They service all sites including construction, industrial and commercial such as shopping centers, malls and restaurants. They can also accommodate residential sites with 10 to 40 foot dumpsters with open top and rear door swing.

Over the past two decades All Waste has worked to continue the good name they have earned.Their radio dispatch units enable them to respond to their customers quickly and professionally for jobs like demolition, remodeling waste removal and basement cleanup.They exceed others in trash compactor sales and dumpster rentals. They even do yard cleaning, appliance removal, trash and rubbish collection. All Waste contributes a portion of their proceeds to a research foundation working to find a cure for breast cancer.

ALL WASTE, LLC

4751 22 Mile Road

Shelby Township, MI 48317-1515

Hours: 8:00am - 5:00pm Eastern Time

Monday - Friday (Excluding U.S. holidays)

Phone:877-524-1002 Fax: 586-254-9936

Web site: http://thegarbageman.com/

Email: sherman@all-waste.com

ALL WASTE is the leading name in Construction Waste Management, servicing the following areas:

Macomb
--Bruce Township, Center Line, Chesterfield Township, Clinton Township, Eastpointe, Fraser, Harrison Township, Lenox Township, Macomb Township, Mt. Clemens, New Baltimore, Ray Township, Roseville, Richmond ,Richmond Township, Shelby Charter Township, St. Clair Shores Sterling Heights, Utica, Warren,

Oakland County
--Addison Township, Auburn Hills, Berkley, Beverly Hills, Bingham Farms, Birmingham, Bloomfield Township, Clawson, Commerce Township, Farmington, Farmington Hills, Ferndale, Franklin, Hazel Park, Highland Township, Holly, Holly Township, Huntington Woods, Independence Township, Keego Harbor, Lathrup Village, Lyon Township, Madison Heights, Milford, Milford Township, Northville, Novi, Oak Park, Oakland Township, Orchard Lake, Orion Township, Oxford Township, Pleasant Ridge, Pontiac, Rochester, Rochester Hills, Royal Oak, Southfield, South Lyon, Troy, Walled Lake, Waterford Township, West Bloomfield Township, White Lake Township, Wixom

Wayne County
--Belleville, Brownstown Township, Canton Township, Dearborn, Dearborn Heights, Grosse Ile Township, Grosse Pointe Shores, Grosse Pointe Woods, Hamtramck, Inkster, Livonia, Northville Township, Plymouth, Redford Township, Riverview, Romulus, Taylor, Trenton, Wayne, Westland, Wyandotte.

Washtenaw County:

Ann Arbor, Bridgewater, Chelsea, Dexter, Manchester, Salem, Saline, Superior Township, Whitmore Lake, Whittaker, Willis, and Ypsilanti

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ALL WASTE, LLC the #1 Detroit, MI Trash Pick-up and Roll-off Service in the Waste Management Industry has joined the on going battle against Breast Cancer

by Ralph Maupin on Wed 07 May 2008 09:38 PM EDT

Now Trash Removal is synonymous with the fight to eliminate this disease

Detroit, MI--ALL WASTE is the leading name in Construction Waste Management. The company was founded in 1988 by Sherman Rogers and over the past two decades he has worked to continue the good name he has earned.

Now, in recognition of Breast Cancer National Awareness Month, they are using their good name and reputation to spread the message for breast cancer awareness. In order to bring attention to this worthy cause he has painted a selection his dumpsters pink and decorated them with pink ribbons. In addition he is contributing a portion of All Waste’s proceeds to a research foundation working to find a cure for this disease.

For 20 years All Waste has been the leader in Michigan trash hauling and junk removal. They also surpass others in trash compactor sales and services as well as dumpster rentals. Their radio dispatch units enable them to respond to their customers quickly and professionally for jobs like demolition, remodeling waste removal and basement cleanup. They even do yard cleaning, appliance removal, trash and rubbish collection.

The mission at ALL WASTE has always been to remove the junk people don’t want in their home, business, etc. Now they’re working on getting rid of breast cancer.

Contact:

ALL WASTE, LLC

4751 22 Mile Road

Shelby Township, MI 48317-1515

Hours: 8:00am - 5:00pm Eastern Time

Monday - Friday (Excluding U.S. holidays)

Phone:877-524-1002 Fax: 586-254-9936

Web site: http://thegarbageman.com/

Email: sherman@all-waste.com

All Waste services the following Southeast Michigan cities:

Macomb
--Bruce Township, Center Line, Chesterfield Township, Clinton Township, Eastpointe, Fraser, Harrison Township, Lenox Township, Macomb Township, Mt. Clemens, New Baltimore, Ray Township, Roseville, Richmond ,Richmond Township, Shelby Charter Township, St. Clair Shores Sterling Heights, Utica, Warren,

Oakland County
--Addison Township, Auburn Hills, Berkley, Beverly Hills, Bingham Farms, Birmingham, Bloomfield Township, Clawson, Commerce Township, Farmington, Farmington Hills, Ferndale, Franklin, Hazel Park, Highland Township, Holly, Holly Township, Huntington Woods, Independence Township, Keego Harbor, Lathrup Village, Lyon Township, Madison Heights, Milford, Milford Township, Northville, Novi, Oak Park, Oakland Township, Orchard Lake, Orion Township, Oxford Township, Pleasant Ridge, Pontiac, Rochester, Rochester Hills, Royal Oak, Southfield, South Lyon, Troy, Walled Lake, Waterford Township, West Bloomfield Township, White Lake Township, Wixom

Wayne County
--Belleville, Brownstown Township, Canton Township, Dearborn, Dearborn Heights, Grosse Ile Township, Grosse Pointe Shores, Grosse Pointe Woods, Hamtramck, Inkster, Livonia, Northville Township, Plymouth, Redford Township, Riverview, Romulus, Taylor, Trenton, Wayne, Westland, Wyandotte.

Washtenaw County:

Ann Arbor, Bridgewater, Chelsea, Dexter, Manchester, Salem, Saline, Superior Township, Whitmore Lake, Whittaker, Willis, and Ypsilanti

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Sunday, May 4

Southfield, MI Payroll Processing Service

by Ralph Maupin on Sun 04 May 2008 07:04 PM EDT

Did you forget today was payday? We didn’t!

Southfield, MI—Processing the payroll is one of the most time consuming and complicated things that most every business has to do. There are many reasons it is smart to outsource this service to a specialist.

Each year at least 40% of business owners pay the IRS an average penalty of $845 for improperly filing their payroll taxes. They also overpay state and federal unemployment insurance by $1.45 Million each year.

Payroll processing requires 54 steps, eating up 40 to 60 hours of precious time each year for companies with only two employees! It is tedious work that requires constantly updating records, printing checks, answering employee questions and most of all, keeping up to date on current income tax withholding rates and filing timely reports.

Markwei Boye explained all of this at a recent seminar where he spoke to business owners. He covered the many reasons to use a payroll service company. He explained the necessity of having to remember what deductions should be taken, if a tax rate changed, or what to do when payroll doesn’t balance. He discussed deadline hassles and IRS penalties.

Markwei says a business is never too small to need a payroll service; he has clients who have only one employee. He will process payroll timely and accurately; if he makes a mistake, the client doesn’t pay; that is Markwei Boye’s personal guarantee.

Markwei Boye provides an array of services including income tax preparation, accounting and bookkeeping, business and tax planning and IRS problem resolution services. He is also a financial planner who provides cash management planning, IRA planning, 401K planning and retirement planning.

Markwei Boye is the owner and CEO of Smart Business Int’l, P.L.L.C. He holds a Bachelors of Science degree in Finance from the University of Detroit Mercy, a Masters in Business Administration (MBA) from Wayne State University and recently completed his coursework for his doctorate degree in Business Management from Argosy University of Chicago. He also holds an Enrolled Agent designation -- a specialized license earned by individuals who have passed a rigorous examination administered by the IRS and has shown technical competency in all levels of federal taxation. Besides being a tax professional, he is also a financial advisor and owns Smart Financial Advisors, P.L.L.C, an independent personal financial planning and investment advisory firm.

Smart Business International, PLLC
Tax & Accounting Professionals

16250 Northland Drive
Suite 214
Southfield, MI 48075

Phone: 248.395.3388
Fax: 248.395.3389

http://smartbusinesspllc.com/

Tax Savings Hotline: 1-888-271-3309

Email: info@smartbusinesspllc.com

Smart Business International, PLLC services Alabama (AL), Alaska (AK), Arizona (AZ), Arkansas (AR), California (CA), Colorado (CO), Connecticut (CT), Delaware (DE), Florida (FL), Georgia (GA), Hawaii (HI), Idaho (ID), Illinois (IL), Indiana (IN), Iowa (IA), Kansas (KS), Kentucky (KY), Louisiana (LA), Maine (ME), Maryland (MD), Massachusetts (MA), Michigan(MI), Minnesota (MN), Mississippi (MS), Missouri (MO), Montana (MT), Nebraska (NE), Nevada (NV), New Hampshire (NH), New Jersey (NJ), New Mexico (NM), New York (NY), North Carolina (NC), North Dakota (ND), Ohio (OH), Oklahoma (OK), Oregon (OR), Pennsylvania (PA), Rhode Island (RI), South Carolina (SC), South Dakota (SD), Tennessee (TN), Texas (TX), Utah (UT), Vermont (VT), Virginia (VA) , Washington (WA), West Virginia (WV), Wisconsin (WI), Wyoming (WY) Major Metro Areas: Albuquerque, Atlanta, Austin, Baltimore, Boston, Charlotte, Chicago, Chico, Cincinnati, Cleveland, Columbus, Dallas, Fort Worth, Denver, Bolder, Detroit, Ft Lauderdale, Palm Beach, Hartford, Houston, Indianapolis, Jacksonville, Kansas City, Las Vegas, Little Rock, Long Island, Los Angeles, Memphis, Miami, Milwaukee, Minneapolis, St Paul, Monterey, Nashville, New Haven, New York, Oakland, East Bay, Oklahoma City, Orange County, Orlando, Philadelphia, Phoenix, Pittsburgh, Portland, Puerto Rico, Raleigh-Durham, Reno, Tahoe, Rochester, Sacramento, Salt Lake City, San Francisco, San Jose, Silicon Valley, Santa Fe, Seattle, Spokane, Springfield, St. Louis, Tampa, Toronto, Tucson, Washington Dc

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West Bloomfield Business Owners Outsource Payroll Processing

by Ralph Maupin on Sun 04 May 2008 07:03 PM EDT

Payroll doesn’t have to be complicated, time consuming and expensive

Markwei Boye, CEO of Smart Business International, PLLC specializes in payroll processing. All his clients need to do is give him the basic information for all their employees and he does the rest. Just give him the hours worked, pay rate changes, deductions, new hires, etc…and Markwei will process payroll, timely and accurately.

Smart Business International, PLLC writes paychecks on their clients’ bank accounts. “We don’t take your money into our account and earn interest on it, like many payroll companies. You keep control of your money and the interest it earns. You maintain more flexibility over your own funds,” Markwei explained.

Smart Business International, PLLC provides regular summary reports to keep clients up to date on payroll costs; Federal, state and local payroll forms; quarterly reports including federal form 941 and the end of the year W-2 forms.

Smart Business International, PLLC offers a wide range of payroll services to customize and fit to each individual client and their needs. Payroll input options include online through a secure website, by fax or by phone. Electronic service options include electronic web-based payroll input, electronic transmission of taxes, full service direct deposit and electronic check signing.

They provide quarterly and year end processing of W-2s and 1099’s, 940 federal tax returns, 941 federal and state returns, applicable state unemployment tax returns and support of 401-K, IRA and section 125 Plans.

Markwei Boye is the owner and CEO of Smart Financial Advisors, P.L.L.C, an independent Personal Financial Planning and Investment Advisory firm. He holds a Bachelors of Science degree in Finance from the University of Detroit Mercy, a Masters in Business Administration (MBA) from Wayne State University and recently completed his coursework for his doctorate degree in Business Management from Argosy University of Chicago. He also holds an Enrolled Agent designation -- a specialized license earned by individuals who have passed a rigorous examination administered by the IRS and has shown technical competency in all levels of federal taxation. He holds Financial Industry Regulatory Authority (FINRA) registrations including series 6, 7, 63, and 65. He is an Adjunct Professor at Cornerstone and Baker College School of Business teaching primarily business courses including Small Business Management, Personal Financial Planning and Taxation.

Smart Business International, PLLC
Tax & Accounting Professionals

16250 Northland Drive
Suite 214
Southfield, MI 48075

Phone: 248.395.3388
Fax: 248.395.3389

http://smartbusinesspllc.com/

Tax Savings Hotline: 1-888-271-3309

Email: info@smartbusinesspllc.com

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Markwei Boye-Payroll Processing-Southeast Michigan

by Ralph Maupin on Sun 04 May 2008 07:02 PM EDT

Presenting the top ten reasons for outsourcing payroll…

Ferndale, MI--Running a business is a lot of work. People depend on their employers to pay them for their work. Next to profitability, a business owner’s main concern is making payroll. Accounting, tax work and mastering payroll software and keeping current on complex tax rules and regulations is very time consuming, leaving business owners less time to focus on the core of their business. Markwei Boye’s payroll service does all the work involved in payroll processing so his clients can focus on operating a profitable business.

“I had lunch with Markwei Boye last week; he explained why his service was invaluable to business owners,” said Mark Maupin, a business associate and friend. Markwei shared his top ten reasons to outsource payroll service:

Liability-A payroll service provider absorbs the risk; if they make a mistake, they absorb the cost.

Taxes-IRS reports show that 1/3 of employers has been charged for tax-related payroll errors equating to billions of dollars in penalties; Markwei Boye keeps clients out of these situations.

Affordability-Consider the cost of computer equipment, software and extensive training required to run payroll internally, not to mention the processing time that can be spent on revenue-producing activities for the business. A payroll service saves time and money.

Profitability-Remember why you went into business in the first place; it wasn’t so you could spend tedious hours calculating payroll and generating timely reports to the IRS. Outsource your payroll and get back to your business.

Time-Business owners have better things to do with their time; getting paychecks out on time and generating timely reports and tax deposits to the IRS is a positive reflection of one’s company.

Accuracy-Payroll service professionals will see to the accuracy of handling all aspects of payroll processing. Even the simplest error can result in stiff penalties and unhappy employees.

Privacy-It can be embarrassing and detrimental to the morale of a company when confidential information is seen by the wrong eyes; confidentiality is easily maintained with a payroll service when employees use direct deposit.

Reporting-Keep records need and concise with a wide array of standard, easy to read reports.

Flexibility-As business changes, so do payroll needs. Don’t get bogged down with the nuts and bolts of personnel changes; leave that to the experts while you run your business.

Professionalism-Outsourcing payroll processing enhances a successful image of your business while showing employees that your company is professional and secure.

Smart Business International, PLLC provides all these services at an all-inclusive rate; Contact them for a free consultation today.

Smart Business International, PLLC
Tax & Accounting Professionals

16250 Northland Drive
Suite 214
Southfield, MI 48075

Phone: 248.395.3388
Fax: 248.395.3389

http://smartbusinesspllc.com/

Tax Savings Hotline: 1-888-271-3309

Email: info@smartbusinesspllc.com

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Markwei Boye- Smart Business International for Payroll Service in Michigan

by Ralph Maupin on Sun 04 May 2008 07:02 PM EDT

The competitive advantage-They always make payroll so you can money

Smart Business International, PLLC has a vested interest in clients’ businesses, because their business depends on it. If you’re spending time doing payroll each week that can be better spent on running your business, you need this service, to allow you, the business owner, to focus on what you do best, while they do what they do best.

Markwei Boye’s service supports their clients with the highest levels of personalized customer service, accurate and timely reporting and compliance, knowledge of clients’ business, fast response times and peace of mind that all aspects of payroll service are completed accurately and timely.

Markwei explains, “We are much less expensive than the payroll industry average because we’re a smaller, personalized business with all the resources needed to service companies. We run a lean operation and pass the savings on to our clients. We focus on our clients and their companies on the issues in the business environment that impact them.”

Smart Business International, PLLC is a true business partner, servicing payroll needs with the strictest standards of confidentiality. “Many of our clients called us because they were dissatisfied with their current payroll provider’s customer service. They were tired of slow response time, being stuck in an automated phone system; unable to talk with a person about their account; or customer representatives who had no relationship with them or knowledge of their business,” says Boye.

Markwei Boye and his professional staff will see to it that all clients are up to date and accurate with complex rules and regulations, paperwork, cutting checks, and timely deposits, avoiding penalties and saving time with assured accuracy in reporting.

Markwei Boye holds National Association of Securities Dealers (NASD) licenses including series 6,7,63, and 65. He is an Adjunct professor at Cornerstone University and Baker College School of Business teaching primarily business courses including Small Business Management, Personal Financial Planning and Taxation. He is a member of the Registered Financial Planning Institute, National Association of Enrolled Agents, National Association of Tax Professionals and National Society of Accountants.

Contact:

Smart Business International, PLLC
Tax & Accounting Professionals

16250 Northland Drive
Suite 214
Southfield, MI 48075

Phone: 248.395.3388
Fax: 248.395.3389

http://smartbusinesspllc.com/

Tax Savings Hotline: 1-888-271-3309

Email: info@smartbusinesspllc.com

Smart Business International, PLLC services Alabama (AL), Alaska (AK), Arizona (AZ), Arkansas (AR), California (CA), Colorado (CO), Connecticut (CT), Delaware (DE), Florida (FL), Georgia (GA), Hawaii (HI), Idaho (ID), Illinois (IL), Indiana (IN), Iowa (IA), Kansas (KS), Kentucky (KY), Louisiana (LA), Maine (ME), Maryland (MD), Massachusetts (MA), Michigan(MI), Minnesota (MN), Mississippi (MS), Missouri (MO), Montana (MT), Nebraska (NE), Nevada (NV), New Hampshire (NH), New Jersey (NJ), New Mexico (NM), New York (NY), North Carolina (NC), North Dakota (ND), Ohio (OH), Oklahoma (OK), Oregon (OR), Pennsylvania (PA), Rhode Island (RI), South Carolina (SC), South Dakota (SD), Tennessee (TN), Texas (TX), Utah (UT), Vermont (VT), Virginia (VA) , Washington (WA), West Virginia (WV), Wisconsin (WI), Wyoming (WY) Major Metro Areas: Albuquerque, Atlanta, Austin, Baltimore, Boston, Charlotte, Chicago, Chico, Cincinnati, Cleveland, Columbus, Dallas, Fort Worth, Denver, Bolder, Detroit, Ft Lauderdale, Palm Beach, Hartford, Houston, Indianapolis, Jacksonville, Kansas City, Las Vegas, Little Rock, Long Island, Los Angeles, Memphis, Miami, Milwaukee, Minneapolis, St Paul, Monterey, Nashville, New Haven, New York, Oakland, East Bay, Oklahoma City, Orange County, Orlando, Philadelphia, Phoenix, Pittsburgh, Portland, Puerto Rico, Raleigh-Durham, Reno, Tahoe, Rochester, Sacramento, Salt Lake City, San Francisco, San Jose, Silicon Valley, Santa Fe, Seattle, Spokane, Springfield, St. Louis, Tampa, Toronto, Tucson, Washington Dc

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Detroit, MI- Payroll Processing-Relief from Payday Headaches

by Ralph Maupin on Sun 04 May 2008 07:01 PM EDT

There is only one right way to write your paychecks…Don’t!

Markwei Boye, of Smart Business PLLC, offers a full service, online payroll system for business owners to utilize for processing their payroll. His staff of professionals will assist in setting up the service so a business owner can process payroll in only 5 minutes per pay period.

In a recent interview Markwei explained why this is a necessary service, even for small companies with few employees. “Processing payroll requires 54 steps, eating up 40 to 60 hours each year, even for two-employee companies. This is tedious work that requires constantly updating records, printing checks, and answering employee questions,” Boye explains. “We guarantee 100% accuracy in processing payroll and filing necessary reports to the IRS. We meet all deadlines so you won’t have IRS penalties hanging over your head. If we make a mistake, you don’t pay,” says Boye.

Markwei Boye provides services including free set-up; check stock, file changes and tax reports. In addition, he offers a free, confidential, no-obligation analysis and consultation, easy to read employee and company reports, assistance and advice on all payroll concerns, and next day payroll preparation and turnaround.

Each payroll period, clients receive ready to sign payroll checks, detailed employee payroll stubs, and a wage-detail report showing gross and net spreadsheet totals for each employee. Markwei will also provide bookkeeping journal entries for accounting records and special reports such as job cost or departmental, among others. The service provided is customized to the unique needs of each client.

Each month, clients receive Form 941 and 940 payroll tax deposits as required, monthly state withholding tax deposits as required, and month to date accounting journal entries.

Each quarter, clients receive prepared and ready to sign 941 quarterly tax returns, state unemployment and withholding tax returns and city and local tax reports and payroll deposits as required.

Each year, clients will receive reconciled and prepared employee W-2’s, 1099’s and transmittal forms and reconciled, ready to sign state withholding reports.

Markwei Boye holds an Enrolled Agent designation -- a specialized license earned by individuals who have passed a rigorous examination administered by the IRS and has shown technical competency in all levels of federal taxation. Besides being a tax professional, he is also a financial advisor and owns Smart Financial Advisors, P.L.L.C, an independent personal financial planning and investment advisory firm.

Contact:

Smart Business International, PLLC
Tax & Accounting Professionals

16250 Northland Drive
Suite 214
Southfield, MI 48075

Phone: 248.395.3388
Fax: 248.395.3389

http://smartbusinesspllc.com/

Tax Savings Hotline: 1-888-271-3309

Email: info@smartbusinesspllc.com

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Nationwide Payroll Processing Service Located in Southfield, MI

by Ralph Maupin on Sun 04 May 2008 07:01 PM EDT

An online professional payroll service specifically designed for each individual client’s business needs

Markwei Boye provides a comprehensive, online payroll service that is customized for individual business needs. Clients all across the United States simply log in to the full-service payroll secure website enter their data, and it processes their payroll.

Markwei’s service to his clients is a number one priority; he listens to their concerns and provides what they ask for. His online payroll relief solution covers the following services:

Personalized professional service from a knowledgeable staff

Calculations for all 50 states, including District of Columbia and Puerto Rico

18 pay types, including retroactive, tip income and reimbursement

Multiple payroll schedules

Multiple withholding capability and full State Unemployment reporting compliance

Standard, bonus/commission and additional payrolls

Free Direct Deposit of paychecks with the option to used multiple accounts

Check printing on pre-printed checks or MICR stock

Standard and custom deductions

Time off accruals and tracking, including sick, personal, vacation and custom options

Simplified data entry worksheet

Electronic payment of federal and state payroll taxes (where available)

Filing of all quarterly Form 941 and Annual Form 840 federal and state payroll forms, including state insurance, disability reporting and more

Complete W-2 and W-3 forms service and reporting

Full array of compliance and analytical reports to help you gauge the effect of human resources.

Markwei’s service saves business people a lot of time and money by quickly and accurately handling their payroll service. Processing payroll involves over 50 steps which eat up time that can be spent focusing on and operating the business. Each year 40% of small businesses pay the IRS an average of $845 for improperly filing their payroll taxes, and they overpay state and federal unemployment taxes by $1.45 Million! Save time; save money; call today for a free consultation.

For more information contact:

Smart Business International, PLLC
Tax & Accounting Professionals

16250 Northland Drive

Suite 214

Southfield, MI 48075

Phone: 248.395.3388
Fax: 248.395.3389

Website: http://smartbusinesspllc.com/

Tax Savings Hotline: 1-888-271-3309
Email: info@smartbusinesspllc.com

Smart Business International, PLLC services Alabama (AL), Alaska (AK), Arizona (AZ), Arkansas (AR), California (CA), Colorado (CO), Connecticut (CT), Delaware (DE), Florida (FL), Georgia (GA), Hawaii (HI), Idaho (ID), Illinois (IL), Indiana (IN), Iowa (IA), Kansas (KS), Kentucky (KY), Louisiana (LA), Maine (ME), Maryland (MD), Massachusetts (MA), Michigan(MI), Minnesota (MN), Mississippi (MS), Missouri (MO), Montana (MT), Nebraska (NE), Nevada (NV), New Hampshire (NH), New Jersey (NJ), New Mexico (NM), New York (NY), North Carolina (NC), North Dakota (ND), Ohio (OH), Oklahoma (OK), Oregon (OR), Pennsylvania (PA), Rhode Island (RI), South Carolina (SC), South Dakota (SD), Tennessee (TN), Texas (TX), Utah (UT), Vermont (VT), Virginia (VA) , Washington (WA), West Virginia (WV), Wisconsin (WI), Wyoming (WY) Major Metro Areas: Albuquerque, Atlanta, Austin, Baltimore, Boston, Charlotte, Chicago, Chico, Cincinnati, Cleveland, Columbus, Dallas, Fort Worth, Denver, Bolder, Detroit, Ft Lauderdale, Palm Beach, Hartford, Houston, Indianapolis, Jacksonville, Kansas City, Las Vegas, Little Rock, Long Island, Los Angeles, Memphis, Miami, Milwaukee, Minneapolis, St Paul, Monterey, Nashville, New Haven, New York, Oakland, East Bay, Oklahoma City, Orange County, Orlando, Philadelphia, Phoenix, Pittsburgh, Portland, Puerto Rico, Raleigh-Durham, Reno, Tahoe, Rochester, Sacramento, Salt Lake City, San Francisco, San Jose, Silicon Valley, Santa Fe, Seattle, Spokane, Springfield, St. Louis, Tampa, Toronto, Tucson, Washington Dc

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