Watch out for companies that say they’ll “fix” bad credit for a fee often substantial, usually payable in advance. So-called credit repair clinics say they will arrange to have negative credit information removed from your record including information about bankruptcies and default judgments.

The Consumer Reporting Act provides rules regarding how long this information may appear in a consumer report. No credit repair clinic has the authority to have negative information removed from a consumer report unless it is inaccurate, or the rule in the act requires that the information be removed

Stay away from a credit repair firm that does any of the following:

1. Promises you the moon. Most negative information stays on your credit report for seven years; judgments and lawsuits are reported for seven years or until the statute of limitations runs out; bankruptcy remain for up to 10 years.

2. Offers to help you get a new credit identity. The company tells you to apply for an Employer Identification Number or EIN number. Which has the same number of digits as…

Read the rest of: Learn How To Avoid Credit Repair Scams here

Youve got the concept. You even have the consumer base. But how do finance your home based business? One of the great ways to finance your home based business is by obtaining a government loan. The process is fairly simple, as the government is big on trying to support small business owners like you by helping to finance your home based business.

The biggest benefit of using a government loan to help finance your home based business is that it offers significantly lower interest rates than any other type of private loan. Also, you can obtain a government loan that stretches over a longer period of time, helping you not only finance your home based business, but also to keep it running during those months in which money is a little tight. Plus, the government does not have the same stringent criteria to qualify for a loan to finance you home based business. The more mild criteria means that more people will qualify for government loans to finance their home based businesses.

The obstacle to financing your home based business through government loans is the paperwork itself. There is often much more paperwork involved when you are trying to finance your home based business with government loans than when you apply for private loans. If you can, you may want to use…

Read the rest of: Getting the Government to Help Finance your Home Based Business with a Government Loan here

Imagine that you could earn commissions on a popular brand-name product just by placing a link on your website or in your email. That, my friends, is “Affiliate Marketing”!

OK… So it’s not quite that simple, but it doesn’t have to be much more complicated either.

Let’s start with a few definitions. An advertiser, or merchant, is the company who is selling a product. An affiliate, sometimes referred to as a publisher or partner, is another person or company who assists in the promotion of the product and earns a commission for doing so. (That could be you!) In between is the account management service that partners the advertisers with the affiliates and keeps track of the sales and commissions.

If you want to become an affiliate, you first need to choose either a product you want to sell, or an account management service. You will end up with both, but the choice of one will determine the choice for the other. If you choose the product first, the advertiser will direct you to the account management service that they already work with. If you choose the account management service first, they will provide you with a list of merchants that they do business with.

To see if your favorite product or company offers an affiliate program, go to their website and check the menu bar or the bottom of the screen. Look around for the word “affiliate”. Click on that link, read about their program and requirements, and fill out their application. Some companies require specific types of websites to place their links on. They will email you all you need to know to get started.

If you don’t know what specific product you would like to promote, or if you want to promote several, I recommend…

Read the rest of: Affiliate Marketing – The Basics here