Archive for February, 2017

Cellular Or Mobile Phones: How Are They Affecting Children And Us?

I am sure you are using one of them, like almost everyone else doe’s including me. As you become aware about some things, most likely you will be making changes the way you use a cellular phone from the information and awareness you be reading about.

There are as many as over 7 billion mobile phone subscriptions worldwide. Continued research to clarify any health risks coming from cell or mobile phones is ongoing. The first thing to come to mind is electronic radiation such as changes to sleep patterns and brain activity. Lots of evidence demonstrates that radiation from cell phones is a real danger.

Many different researches over years have confirmed that long-term exposure to cell phone radiation is a significant risk to health. Such findings of course are strongly denied by the other side of that argument, depending on which side of the argument you listen to. Debates like this have been ongoing for years and most likely will never be settled. After all, why would designers and manufacturers admit to any danger coming from phone usage? This would certainly kill the goose that lays the golden eggs!

The international agency for research, which is part of the world health organization released a statement over five years ago and declared cell phones a class B Carcinogen.

Long Term Exposure: How Long Is Too Long?

Whatever the brand name, I Phone, blackberry, android, tablets, Smartphone’s or just a basic flip phone has revolutionized communication in the 21st century. Some people spend as much as 2 ½ hours or more on the phone daily. Because cell phones are providing an efficient and easy way to communicate, but at the same time this can also take a toll on health.

The possible effect of a long-term heavy use of any mobile phone and the length of each call matters. The amounts of time people use cell phones are important factors which enhance the health related risk. The amount of radio frequency energy from a mobile phone use being released depends on different factors, such as distance from face and ear, the type of phone used, and the distance between cell phone towers.

What these findings are telling us: Make your conversation on a cell phone as short as possible or better still use a hand free device which places more distance between your head and the phone. Turn off the phone when not in use. Use the speaker phone when possible. Keep your phone away from your body as much as you can. Never use your phone while driving or even worse texting; this puts you and others in a potentially dangerous situation.

Children Are More Vulnerable

Children have the potential being at greater risk and affected in different ways. The brain of a child is not fully developed until the age of around 20. This makes any exposure to electronic radiation and radio frequency more dangerous for children than for adults. The other issue which affects a big percentage of children as well as teenagers is eye vision. Looking at mobile screens, what is it doing to kids’ eyes? Almost at any age children love playing with smart phones but what are the long-term effects?

Unfortunately some people are using such gadgets as baby sitters for the children without being aware of the damage it does. Children like to watch things close up on screen which is contributing to spike in becoming short-sighted. Studies have shown there is an alarming increase that affects many children between 10 and 12 years old and the amount has doubled over the last decade. The fact is: The more kids watch things close up on screen, the more they put their eyes in danger.

It is most common for children to develop myopia which gives a blurry long-distance vision. Myopia can also increase the risk of other eye problems in adulthood as well, including cataracts and blindness. However, most of the myopia cases are as young as six and 15 to 18, of course genetics play a role in severity in this.

As a guide, reduce screen time to as little of 2 hours per day from 2 to 5 year olds. There should only be a small increase of time allowed for older ones. Actually in Taiwan, if a child under the age of 2 has been found with a tablet or playing with any cell phone the parents will get a heavy fine.

Children who spent more time outdoors in fresh air and sunshine have a far lower rate of myopia. Limit the screen time, encourage kids to spend more “green time” hours in nature outdoors for better health. Make sure to include a colorful veggie diet from leafy greens which contain lutein, this is known to help eye sight and vision.

In General Common Sense Applies

A cell or mobile phone for most people has been one of the most revolutionary developments in time. It is a great communication tool being able to carry it with you wherever you go. It is a good security and emergency device that can save lives. So, what is wrong with all of those gadgets?

Could it be just the one who is using it creating that problem?

There are too many people going to the extreme and don’t know what is any longer normal or reasonable. That also applies to our food intake, beverages, including alcohol, and tobacco etc. All of those are not, or less harmful if used in moderation. If only used for short time this also can apply to cellar or mobile phones, and can reduce the risk factor as much as eighty percent.

The Best Places For Destination Weddings

Wedding bells are ringing everywhere! If you’re someone who is planning to get married on the coming year then you need to read what we have to say before you make any further wedding plans. For all us, the day we get married is probably the most important day of our lives and we want to make sure it is arranged that way as well. To do that, you don’t necessarily have to throw a grand wedding at the most expensive place around. A simple and much cheaper alternative is to get married at one of the following locations which are known for their exotic beauty and their services all of which are at your beck and call for very economical prices. And before you move on, here’s a tip – if you’re planning a destination wedding make sure you book flight tickets well in advance!

1. Belize:
This place is on top of our list of wedding destinations and the reason for that is because it offers so much for so little. The place has some extremely beautiful destinations and rainforests as well as old Mayan ruins. Oh and let’s not forget that this place is also home to the second largest barrier reef in the world. The best thing about this place is that instead of being filled with expensive resorts like most of the other exotic travel locations, it has a lot of economical lodges and the sea food here is divine yet cheap too. So you can even host a wedding feast filled with exotic sea food but still save a lot in your pocket.

2. Jamaica:
The best thing about Jamaica is that it provides you with a choice of two very different and equally beautiful locations. You can choose to get married on the white sandy beaches or near the Rocky Mountains depending on what you like. Or maybe you could get married on the beach and throw the dinner or reception in the mountains to get the best of both worlds. And on top of that, the arrangements here are really cheap as compared to other travel destinations.

3. Vermont:
This small collection of beautiful landscapes and homey villages is probably the best travel destination to get married in. The scenic beauty here gives you the perfect backdrop to take your wedding vows and have a fun pre or post wedding shoot too. There are a lot of cozy and warm bed and baths here as well as halls where you can hold your wedding party. And the best part of this is that you can get all of this at very very economical prices.

Now that you know the best places to get married in, we suggest that you start planning for your perfect destination wedding and make sure you book flight tickets well before time so as to avoid any unnecessary delays and problems in your plans! All the best! Cheers to new beginnings!

The “How” And “Why” Of Electric Panels

Electric panel very simply refers to the electric board which provides electricity to the sub circuits. These panels are extensively used in Process industries, Automotive industries, Food and Beverage sector, Oil and Gas Equipment, Aerospace, Metal Forming Machinery, Machine Tools, Power Generation, R&D Testing labs and Process Industries and other industrial sectors.

Are You Banking On The Right Product?

Once you go through this post, you will actually understand why electric panels play such an important role in the aforementioned sectors. Think about the times when you experience power outage owing to a natural disaster— then you must have run to the electric panel to restore power. When it comes to electric panels, getting the right circuit breaker can make all the difference between safety and risk. These panels are generally based in backrooms, basements and less visited areas of a particular place.

The products of reputed manufacturers are known for the following aspects:

– Quality performance

– Easy installation

– Flawless design

– Power efficiency

– Low maintenance

Make sure you are checking the credentials of the manufacturer thoroughly before you are roping the same in. If you’re looking forward to install these units, you should find out about the manufacturers who are known for offering products with the aforementioned qualities.

The internet will offer you information about a lot of manufacturers providing these panels. However, one should realize that that not all of them are equally credentialed to offer you quality panels. It takes years of experience and domain expertise to manufacture panels that go on to serve you satisfactorily in the long term.

So, it is important to ensure that you’re actually taking the trouble to conduct proper market survey and then going on to settle for their product. Now, the question is – how exactly would you know that you are actually posing your faith in the right name? You can consider the following steps.

How To Settle For The Right Electric Panel

The first thing to do would be to seek recommendations from peers. Now, let us clarify from the very beginning that in order to meet the diverse quality requirements, leading manufacturers employ quality analysts who ensure that the products pass multiple quality stages before reaching you. Those who have accessed products of these manufacturers are bound to endorse their products- while those who have actually gone on to choose manufacturers arbitrarily might not as well be in a position to do so. When you are not conducting research on the background of the manufacturer, you are not even aware of whether or not the particular name is actually taking the aforementioned steps to ensure that only quality products are reaching you. Without research there is every chance of unwittingly ending up with poor quality products.

Read reviews in order to find out how the companies have been rated. Kindly ensure that you’re not leaving any stone unturned to get the best value for your money. Taking the aforementioned steps will ensure that you are not repenting your choice later on.

How to Take a Vacation And Make More Money In Your MLM Business

Basketball remains one of the most revered games played today. The jerseys sported by players on court actually assume a very significant shape in the lives of the NBA fans, who sport pro-cut uniforms of their favorite teams in a bid to show their love for the same. A typical basketball uniform consists of sleeveless upper halves, shorts, knee caps and head bands. There are a lot of factors considered before selecting basketball uniforms and today, we’re just going to take a look at what those factors are.

Comfort

Yes! At the heart of the selection of these jerseys is comfort and there are so many things that needed to be taken care of in order to ensure comfort. The right fit and fabric are the two most important factors that need to be taken into account here. A tighter upper half might hinder mobility in a major way, while a fabric unable to absorb sweat is not really fit for humid conditions. So, a choice needs to be made in accordance.

Convenience

A manufacturer selling the entire ensemble is more likely to be preferred by the buyers instead of those selling only the upper halves or the lower halves-firstly because, the former offer products within a more affordable price bracket and secondly because it is generally more convenient to get your needs fulfilled by only one manufacturer instead of hunting several suppliers at the same time. It’s a matter of double the research or double the groundwork. You have to conduct background research and price comparisons for every other product differently.

Team consensus

Team uniforms (irrespective of whether they’re sported by cricketers, soccer players, basketball players and so on) are generally selected after securing common consensus. The jersey designs and colors are only zeroed in on after all team members put forward their opinions regarding suitability. A team is known by its jersey. As basketball fans, we understand how important our favorite team jerseys are for us. Every other team is driven by different sensibilities as far as their passion, overall team outlook, and their approach towards their game are concerned. The team jersey thus selected serves to reflect different sensibilities in a major way. A team, for instance, which is new in the circuit and are known for their rawness might as well have the color red present dominantly in their team uniform or in patches.

You need to find a credentialed manufacturer in a bid to get your hands on quality stuff. Be sure enough to consult manufacturers that are actually known for providing custom team jerseys that are the right combination of affordability and quality. Plus, they should be able to deliver orders before within the desirable timeframe. The use of advanced machinery ensures that jerseys are crafted fast without compromising on the quality.

Seek recommendations from peers and browse through the plethora of online reviews in order to find out how different manufacturers have been rated and reviewed.

Hope this primer will help you in your quest for the right team uniform.

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5 Benefits Of Using Security Tags

If you go to most of big retailers, you will see that they have electronically tagged their expensive goods. It’s possible to tag all the products including beauty products and alcohol. Usually, retail stores use security tags to secure items that are most commonly stolen. As a matter of fact, security tags offer a simple solution for businesses to secure their stock. Read on to know more about it.

How security tags work

In simple words, security tags are designed to send an alert when products at a store are moved through a security barrier. These tags are put on the product packages. When a shoplifter tries to steal the package and passes through the barrier, the tag will turn on the alarm sending an alert to the security.

The staff at the store can detach or deactivate the tags for their customers. So, their genuine customers won’t face any embarrassing situation. The fact of the matter is that these tags prevent shoplifters from lifting stuff from retail stores. As said before, these tags can be used on any product sold at the stores. Given below are 5 major benefits of these tags.

5 Great Benefits of Tags for security

1. Affordable

Since security tags are sold in bulk, you can get discount when buying them. While they may cost you a good amount of money, you will save a great deal of money in the long run. The protection you will get is worth the investment. That’s the reason the product is an effective solution for small as well as large businesses.

2. Ease of use

The great thing about the product is that it is very easy to use. This means that you can use them on a wide range of products. While they are easy to apply, they can’t be removed without a special device called a deactivator. So, the shoplifters won’t be able to remove them.

3. Easy deactivation

With a deactivator, it’s easy to remove the tags in a few seconds. So, your customers don’t need to wait for the tags to be removed before they leave your store. Unlike other gadgets, security tags are not complex items.

4. Peace of mind

With security tags on each product at a store, the staff and customers will have a peace of mind. All the staff at a store will be able to focus on their jobs as they will have peace of mind that any attempt to steal the products will be detected. Moreover, the customers will also be satisfied that they are in a safe store.

5. Reliability

Security tags are very reliable as they can’t be removed without the special device known as the deactivator. Once the deactivator is removed, the tag won’t set the alarm off when the customer will pass it through the security barrier. So, the devices are 100% reliable. There will be no surprises.

So, if you run a store and want to improve the security system at your store, you may want to consider installing tags.

The Importance of Automotive Filter Changes

Humans require clean, easy-to-breath air in order to live. And just like humans, vehicles also need to be able to “breathe” clean air in order to survive. While human lungs make it possible to breathe, a vehicle’s air filters do just the same. But after some time, they begin to accumulate mass amounts of dirt, debris, and other airborne particles, which eventually decreases their quality and function. For this reason, it is critical to have your vehicle’s engine and cabin air filters inspected and changed on a routine basis to promote safe and efficient driving. Continue reading to learn more about the importance of routine automotive filter changes.

Air Filters

Keep in mind that your car’s air filters are your first line of defense against irritating and obstructive airborne contaminants. Dirt, dust, pollen, mold spores, exhaust gases, bacteria, and more are examples of airborne contaminants that have the ability to negatively affect the quality and performance of your engine and vehicle as a whole. And according to Community Car Care, there is a 1 in 5 chance that YOUR car needs an air filter change right now! Many drivers are guilty of overlooking this small but highly-necessary scheduled maintenance.

Engine Damage

The long list of airborne contaminants can have a powerful impact on your vehicle’s engine, and in a very negative way. Everything from pistons, cylinders, and cylinder walls, to piston rings and bearings, are just a few areas of a car engine that can begin to lose performance value from clogged or dirty air filters. Over time, neglecting to change them can lead to serious engine malfunctions and breakdowns, which means frustrating, costly repairs.

Cabin Filters

If you like to have clean, breathable interior air that smells good, you need to change your air filters on a routine basis. Once they start to become clogged, they begin to slowly lose their ability to do their job. So once they are entirely clogged, you can suffer some mild but irritating consequences, such as musty smells, sore throat, coughing, itchy eyes, tightening of the chest, and more. Changing them regularly keeps the interior environment of your car fresh and easy to breath.

Schedule

Refer to your vehicle’s owners’ manual for the manufacturer recommendations on factory scheduled maintenance. The general rule of thumb is to have your air filters inspected and changed every time you take your car in for an oil change. In fact, it is often a part of oil change packages. This should be every 3,000 miles or so. Talk to your mechanic for professional advice.

Useful Tips for Choosing an Airport Taxi Service

Getting to the airport isn’t the easiest thing and can be more difficult for those travelling with a lot of luggage and family members. One option to forget about the logistics of reaching the airport on time is to make use of an airport taxi service. This can remove a lot of the stress and worry, but is still important to schedule the pickup to match the specific needs.

Here are a few tips to make sure the airport taxi service provides a prompt and timely package:

Plan ahead

A simple step that can make things go smoothly is to book the taxi well in advance. Make sure there is enough time to easily reach the airport without feeling rushed. Try to calculate the travel distance and add an extra hour or more in the event of heavy traffic. Also, if travelling during busy travel times, such as bank holidays, it may be worth adding a little more time.

Pay attention to reputation

Investigate two or three different companies and aim to identify one that is highly rated for providing a reliable deal in the local area. Use online reviews to get an idea of the quality and reputable of a potential company. Find one that has the courteous drivers and appreciated for providing timely pickups and drops-offs.

Most companies are quite similar, so it helps to ring around and get a price for the ride to the airport. Many quote a flat fee to travel from home to the airport, as well as any other pickups on the way. Also, make sure the preferred company has the necessary licensing and credentials to offer this particular type of service.

Amount of space

One of the important things to check is the amount of space for passengers and luggage that the vehicle can accept. The vehicles can vary significantly in size with a standard vehicle able to accept a couple with minimal luggage to the larger vehicle that can easily take six or seven passengers in comfort.

For those travelling with a lot of bags, it may be necessary to ask for a larger vehicle.

Call before pickup

Even if the airport taxi service has been booked and reserved in advance, it still may be worth giving the company a call a few hours before it should arrive at the pickup address to make sure it will be arriving on time.

What Car Battery Should You Choose? Absorbed Glass Mat (AGM), Gel Or Wet Cell

An electrical problem that doesn’t let your car start and leaves you stuck in a parking lot or some place away from the fix that’s needed is an unwanted problem we all do our best to avoid. So what can you do to lessen the possibility of a possible unwanted situation that involves an electrical system crash in your vehicle?

First of all make sure you spend double the money on a good car battery. A lead acid battery can cost between $75 to $125 dollars. The only reason liquid lead acid batteries are the most commonplace is liquid lead acid batteries were first developed in 1859 and they are the least expensive in today’s world of automotive engine starting sources. In 1971 the sealed liquid lead acid battery was created that made it maintenance friendly.

VRLA (valve regulated lead acid) batteries include gel and absorbed glass mate which are not liquid. Gel batteries are as the name applies which is a “Gel”. AGM batteries are silicate glass fibers mixed with boron and formed into a mat that holds the electrolyte. Non liquid gel batteries were created in the late 1920’s and lead to the creation of the “Absorbed Glass Mat” batteries in 1957. The AGM (absorbed glass mat) battery was put into production in 1972 but mostly used for military applications and non vehicle applications like boats, motor homes, motorcycles and electronics. Nowadays you see more AGM batteries becoming available for use in production cars. AGM (absorbed glass mat) batteries can cost from $160 to $250 but have more advantages over liquid lead acid batteries.

AGM batteries are basically used in applications where the use of the vehicle is only used now and again as in boats and recreational vehicles. The non use discharge rate is much lower in non use applications than liquid lead acid batteries. The charge rate is much faster also. Some automotive manufacturers are installing AGM batteries as their standard new car power source because of today’s higher vehicle power consumption. BMW right now is known to be the first to install AGM batteries in their 2007 models because of computer functions and braking.

AGM batteries are much better than liquid lead acid batteries but the downside of AGM batteries is you don’t overcharge them. They will charge faster with a normal output alternator up to 14.5 volts and a high output alternator is not needed. When an AGM battery is used in a non use vehicle a solar panel is recommended with a trickle charge. AGM batteries will go bad if charged over 14.5 volts. Most problems with charging AGM’s are in sports vehicles due to the rough environment they are used in. Toss away your old plug in garage battery charger and get a new one that maintains “Voltage” instead of amps. An AGM battery charger will sense a very low voltage in the battery and will start the recharge whereas an old charger does not sense low voltage and will not charge the battery.

These batteries are used in military vehicles that sit in storage for many years and start up after years in storage with no problem. I’ve read stories online where people have left their AGM batteries sitting in their garage for many years and they have retained their full charge. I use AGM batteries in my vehicles and disconnect the negative cable in the one that I don’t use that often anymore and it starts right up when I run the engine occasionally. I’ve read complaints about the AGM failing often but that’s only because of bad practices with them or using them in systems where the charging exceeds the recommended level. You can leave these batteries sitting for long periods of time without charging them but it’s recommended that a solar panel with an extremely low trickle charge be used when not in use. Again I will say from my own experiences is to disconnect the negative cable to the battery when not in use.

The AGM vs Gel and the wet cell? The AGM has thicker plates that tend to not warp that easily during deep discharges and resist sulfur buildup’s that destroy a wet cell battery. Wet cell batteries usually go bad after 4 years if they make it that length of time. The life expectancy of the AGM battery can be up to 10 years if not overcharged. Gel cell batteries are great for sports vehicles but tend to charge slower.

The Winner Is, “Absorbed Glass Mat” if you learn how to take care of them properly.

How Can a Packaging Custom Box Increase Your Sales and Attract More Customers?

Nowadays, marketing is everything, without a proper strategy and resources for advertising your company will not produce the results that you expect. In order to create these, you will also need a nice crafted, good looking product and of course, a custom box for packaging and shipping, because look matters. Most importantly look sells, so if you want to boost your product sales than be sure you create a unique and professional image of your product using custom boxes, that fits your product and adds a visual impact that determines customers to buy it. Let’s see how your custom box should look, in order to make a hit.

What colors should I use?
Well, statistics shows that for every type of product you should use a different color, that matches the product description. For example:

For food industry is recommended to use red, because it is found in many fresh products.

Brown can be used for furniture and wooden objects because it represents the natural color of the wood.

Green in usually associated with ecological products, so if your business is anything about environment protection this is your color.

Black can be used for household objects or miscellaneous things, it inspires confidence and control, this way showing you rule the market.

White it is associated with cleaning products because when you see white usually means cleanliness.

You can combine as many colors as you want and you obviously don’t have to respect these rules but as I said, these matches the products description so these should be your first options. But color isn’t everything, style counts too so we are heading to

How should my box look and what style should I choose?
Since now minimalist look is more and more appreciated, I think that this is the best approach. Also, text logo is a trend too so keep your custom box simple but elegant, to look professional, and to guarantee you a success.

A box loaded with too many information will scare the customers and will create a less attractive design.

Using multiple colors for my box
For the minimalist design, it is recommended to use a combination of 2 colors, one for the text and one for the background, usually, a good choice is to associate red and black, or white and gold. This colors create an elegant look and add more value to the product.

You can go for white and red too, or light green and pink, there are endless possibilities to make your custom box look very appealing are stylish, and also a high contrast between the colors will create an awesome effect and it will immediately attract customers.

You can use as many colors as you want but I don’t think you want your box to look like a rainbow. Keep it simple and you will succeed.

What type of box should I use?
There are many types but you have to choose one that makes your product stand out. For example, you can use Corrugated Trays for food, a Regular Slotted Container for small objects or a Full Over Lap for heavy items, choose the one that matches your product.

Be aware of how your product looks, it is very important to attract your first-time customers by the look of your product and then by the quality.

The Secret My Lawyers & Accountants Didn’t Even Know About – How to Get a Business Loan

Stop! Turn off your cell phone.

Quit tweeting and texting for the next 4 minutes. Grab a cup of coffee.

Shut the door so there are no distractions. This is that important!

Because I’m about to reveal to you the greatest secret to getting a business loan for as much as $25,000, $50,000 or even $250,000 – even when the bank says “NO!” and even if you don’t have perfect credit.

I have to warn you though… Don’t pay attention to the credit card companies. Forget everything you’ve heard. You can actually hurt your chances of getting the small business loan you need if you follow their advice.

It’s true. Why? Because they’re more concerned about raking in record profit margins and reaping huge bonuses! They don’t care about your business or if you get a business loan.

Credit cards companies want you to keep piling up debt on your high-interest personal credit and hold you personally liable for your expenses.

Do you think they really care if it takes you 10, 20 or 30 years to pay it back? Or if lowering your spending limit for no good reason has affected your business? Or if your personal credit is destroyed while you try to build the business of your dreams?

Of course not. Not when it means more money for them! And let’s not leave out the banks. Business lending is at all-time lows. Think they’re interested in taking a risk, however small it may be?

The secret… How to get a Business Loan

But there’s a little known secret that most small and mid-size business owners don’t know about. Heck, even most credit card companies don’t advertise it. I didn’t even know about it and I’d been running businesses for years!

Accountants I’ve used for years weren’t aware of it. Lawyers who I’ve paid up to $700 an hour didn’t know about it. But I’m about to reveal it to you right now and it won’t cost you a penny…

I’m not going to make you read every word of this or make you jump through hoops to get the secret. I know you’re busy so I’m going to give it to you right now and then explain how to make this secret work for you.

Here it is: You can get a small business loan. Usually reserved for large corporations, there’s a 7-step process for small and mid-size business owners to get the business loan they need without a traditional personal guarantee.

Mystery solved! More about that in a moment…

Whether you’re looking for a start up business loan, have an existing business or if you’re buying a business or franchise, you can now access working capital.

Don’t have perfect personal credit? No problem.

It doesn’t even matter if you have less than perfect personal credit. You can still get business financing, whether that’s a merchant cash advance, or business loans with bad credit.

That’s right. You no longer have to rely on your personal credit to finance your business. You can rebuild your personal credit and create a business credit profile to get the business loan you need to grow your business.

Imagine not relying on just personal credit cards to finance your marketing, purchase inventory or pay for expenses… sleep easier every night knowing one misstep won’t cost you your family’s home… and get access to much needed working capital so you can expand. That’s a dream come true for many business owners I work with, especially right now.

Does this sound familiar?

“We’re very sorry to inform you that your credit limit has been reduced due to current economic conditions… “blah, blah, blah!

Take one client we’re working with right now. Mike owns a dozen wireless phone stores. This is his most recent venture after successfully running other small businesses for more than 30 years. And just like he’s always done, he financed his inventory with his American Express card.

Every month he bought $50,000 worth of inventory, sold it and paid it off before the end of the month. But just a few months ago, his purchase was declined. American Express reduced his credit limit from $50,000 to $30,000 without any notice – not because of anything he had done.

The only response he got went something like this: “We’re very sorry to inform you that your credit limit has been reduced due to current economic conditions… ” blah, blah, blah! So he had to scramble to find other ways to finance his inventory. A short while later his $30,000 inventory purchase declined. Why? Because his credit limit was reduced to $20,000. Then his credit was squeezed again to $10,000.

It gets worse. As his credit is getting squeezed American Express is reporting to the other credit bureaus that his credit is being reduced so they also follow suit.

Meanwhile, the amount of debt as a percentage of his total available credit or what’s called his debt utilization rate increases. This is one of the most important indicators creditors look at when evaluating a credit score – and Mike’s personal score was dropping like a brick.

When he came to us, we immediately showed him how he could separate his business credit from his personal credit and his first reaction was, “I didn’t know I could do this. Are you telling me that I could have been building business credit and may still be able to get a small business loan?”

The answer is, “Yes!”

We’re working with him to help him and he’s borrowed $100,000 that does not have a traditional personal guarantee.

You really can get the funding you need without putting your personal credit at risk.

I’ll show you how in just a moment. But first I think it’s important that you know a bit more about me.

I own a firm that specializes in helping business owners get the business loans they need to finance their businesses without sacrificing their personal credit.

If you’re like me you probably thought business funding wasn’t even an option.

As a small business owner (prior to starting my own financing company), I personally guaranteed everything because I thought that’s the way it was done. I even prided myself on how well I did it while growing my Internet marketing business. I started with a $5,000 line of credit on my American Express and I played the 30-day float. Over time, I was regularly spending $300,000 on my card – every month!

If anything went wrong the expenses would have crushed me. I didn’t have that kind of money to cover the costs! Fortunately, I was lucky enough to avoid disaster.

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