Matt Lloyd and MyTopTierBusiness

Matt Lloyd is the “master mind” behind the MOBE (My Online Business Empire), IM Revolution and several other online offers.

Of course, all the “reviews” of the product are Affiliates trying to sell it.

I’m not, so I will give you an honest opinion.

Matt Lloyd, unlike most of the “gurus” out there, has had some success online and claims to make hundreds of thousands a MONTH with his methods and also promises to “reveal” these methods to you, but for a HEFTY price.

Matt Lloyd does have some good information and a lot of it, of course depending on what level you choose to participate. His “My Online Business Empire” program ranges from around $500 all the way up to $20,000!

Now, I have been doing online marketing for about 15 years, full time, and I have seen HUNDREDS of programs online that make the same type of promises, most of which are hogwash, and they all seem to be centered around affiliate marketing.

Obviously, you have to sell something and most folks don’t have a product laying around that they want to sell, so… as far as M.O.B.E is concerned, the course itself is what you will be selling.

That means that YOU will be out there competing with others who have forked over, perhaps $20 Grand, and who are willing to spend a lot to make that back.

In terms of information, again, depending on the level you join, there is so MUCH that it will take you a LONG time to go through it, much less implement it.

Matt Lloyd’s program is based on the “funded proposal” which has made some people a lot of money, will it for you? MAYBE, if you have the money and the time to spend doing it. He shows you A LOT of things that you will be buying, lesson after lesson, which will take you TONS of time, so this isn’t making money in a couple of days. That is not to say that you will never make money if you put in the WORK.

Jonathan Budd, a guy that upsells, upsells, upsells, endorses this and Matt is supposed to be one of his top students, so guess what? Matt Lloyd will do the same.

This introductory video is VERY long and is trying hard to convince you. THAT is a sign of more expenditures to come. Will you get a lot of good information, which if you could REALLY implement it you might make some money? Yes. However, know this: There are thousands and thousands and thousands of people trying to make money with Jonathan Budd’s methods, some do, the majority do not.

I am not a member of M.O.B.E., but a VERY good friend of mine is and he is also a very experienced, hard working marketer and he has made a little money with it, but honestly, nothing close to what he spent.

Mastering Your Credit Scores

Your credit score can impact nearly every aspect of your life. It can control whether you can obtain a mortgage, auto loan, or even a job. With this said, it is vital that you understand how to improve your credit score. Federal law requires that everyone have access to one free credit report per year. The reason this law exists is to allow individuals to verify that their credit reports are accurate. If there is inaccurate information listed on your report, by law you have the right to dispute the inaccuracies; the credit bureaus have 30 days to investigate and respond to the disputed items. If the creditor who put the disputed item on your credit report cannot provide proof that you are responsible for the debt, it should be removed. To obtain a copy of your free credit report you can call 877-322-8228, or mail a request to annual credit report request service, P.O. Box 105281, Atlanta, GA 30348-5281.

After you have received a copy of your free report and have reviewed it for any inaccuracies; you will need to dispute them directly with all three credit bureaus. The bureaus include TransUnion, Experian, Equifax. Once you have verified the information on your credit report is accurate, you can then use the following suggestions to help you increase your scores.

• Make Your Payments On-Time – The single most important thing you can do to improve your credit score is to pay your bills on time. If you have had late payments in the past because you simply forgot to make the payment, you may want to set up automatic payment arrangements to pay your bills. This will ensure that your bills are paid on time.

• Credit Card Balances – Credit cards (revolving credit) account for 30% of your score. To maximize your score, you should always keep your revolving card balances below 30% of their available limit.

• Credit Availability – Your scores are calculated based on your unused available credit, how much credit is open, and the length of your credit history. The length of your credit history accounts for 15% of your score. Based on this factor, it would be in your best interest to keep your revolving cards open instead of closing them, because closing old revolving cards would significantly shorten the length of your credit history. To keep a revolving card open, you should use the card at least once every six months. This will keep them from being inactivated.

• Lack of Credit – Unfortunately, if you have very little credit because you pay cash for everything; you probably also have a low credit score. Scores are only determined by the activity reported on your credit report; cash purchases have no bearing on your current score. Therefore, you want to have at least one installment loan and two revolving accounts open at all times. If you are having trouble getting credit, you could apply for a secured card from a local bank or credit union, or you could ask a relative or significant other if you could become an authorized user on one of their revolving cards. Becoming an authorized user will give you an instant payment history. Just make sure that the account you are going to become an authorized user on does not have late payments, or has a balance near the accounts limit.

• Judgments and Collections – If you have a judgment or collection that originated years ago, when you pay or satisfy the derogatory item it may temporarily lower your credit score. Keep this in mind if you plan to apply for credit. You may want to delay paying off old collections right before applying for a mortgage or auto loan.

There are many other ways to help increase a credit score; but keeping your payments on time, managing your debt properly, and having a reasonable amount of available credit are the easiest ways to ensure an acceptable score. Just remember, derogatory credit will immediately lower your scores, whereas making your payments on time and keeping your balances low may take as long as six months to recover from one negative item reported on your credit report.

A Brief Synopsis of Small Business Administration Loans

The loans offered by the US Small Business Administration are regarded as the most reliable funding option available for the startup companies. Affordable repayment option as well as low rates of interest seems to be the excellent choice for the companies who are in need of monetary support. However it is important to remember that this government agency of the United States does not pay loans to small companies directly. However, it develops effective guidelines for the funds that are given by their partners that include community development companies, moneylenders as well as micro lending companies. The Small Business Administration also gives the warranty that the funds granted by these companies will be repaid within the scheduled period of time.

Although these loans are the best financial option for the startup companies, the other companies that have wide access to other types of funds cannot access these funds. Here are the four types of SBA loans that are available for the businesses that cannot access to other kinds of loan options.

The objective of SBA 7 (a) program is to allow the small business to acquire money easily. It is the most flexible and the basic type of loan option that is available for a business. It can be used for multiple business purposes such as purchase of equipment or furniture, renovation of buildings as well as repayment of debt and other relevant purposes. The maturity of this type of fund is almost ten years for capital repayment as well as up to twenty five years for repayment of permanent assets.

SBA 504 loan allows the startup businesses to get permanent and long term funding for the purchase or renovation of key assets such as buildings, lands and so on. This type of loan is structured where the SBA offers forty percent of the total cost of the project and the participating lending organization covers nearly fifty percent of the cost. Plus, the borrower pays nearly ten percent of the total cost of the project. This type of program is used to buy buildings, long term devices, build or even renovate facilities as well as repay the debt with the purpose of expansion of business. Under this loan program, the small business qualifies if it shows an average income of nearly five million dollars after deduction of income tax for the previous two years before submission of a loan application.

Microloan program offered by the Small Business Administration is an exclusive loan that is available for small business. A borrower can use this type of loan to buy capital, fixtures, supplies, machines and equipment. This government organization ensures that this type of fund is available for the nonprofit organization who is experienced in dealing with technical operation. However, it is important to remember that this type of fund is not used for the purchase of property or for repayment of current debt.

The Small Business Administration offers low interest fund to the small businesses that are affected by disaster. It is used to repair damaged property, equipment as well as different types of business assets.

Miner Capital Funding, LLC is one of the leading finance company providing SBA small business loan to the customers. One of the popular financial providers for the small business loans, Miner Capital is dedicated in providing SBA bank loans, hard money as well as bridge loans to the US clients.

How the Little Guys Can Secure Business Loans

No matter how good of an idea or operation model you have, you cannot start an establishment without money. A lot of people struggle to get started simply because they cannot secure the funds to make their very real and concrete ideas a reality. Securing business loans is practically the only way for small, local shops to get off the ground. Since the economic crisis of 2008, the little guys have been having a hard time finding sufficient financial assistance. Banks and other financial institutions are wary of taking on risks after what happened in 2008. Still, there is hope. Let’s explore how you can go about getting financial backing so that you can get your shop up and running.

First, Make Sure You Can Meet Criteria That Banks and Other Institutions Want to See

As previously mentioned, the economic crisis of 2008 has made financial institutions wary of taking on risks and lending out money. If you want to succeed in securing money from these places, you need to ease their minds. They want to know exactly what the cash will be used for. Be sure that it will be used on something concrete and safe. They will not lend for speculative purposes or high-risk endeavors such as pyramid sales or investments. Show them a credible purpose for the cash, and you are on your way. They also want a very solid form of collateral. This generally is property, so make sure you really want the financing before you put up your home to secure it. Finally, you need to have good credit and character history. Business loans are typically not given to those with criminal records or poor credit. Banks consider these people to be high-risk and want to avoid them.

The Interview Process: Be Confident and Truthful

Once you ensure that you have the above criteria nailed down as solidly as you can, it is time to go to financial institutions and try to secure a loan. Business loans from the large banking players generally are not given to start-ups. This is due to the inherent risk that comes along with a start-up. If you are instead seeking cash for growth, you will probably have more success at one of the larger banking institutions than a start-up, but these institutions generally like working with other big corporate players where their money is safe. Visit the bank your personal accounts are in and talk to a professional. They will help you prepare for the process, and let you know if you qualify for their lending program. Do not be afraid to go to smaller community banks and credit unions. Believe it or not, the little guys are more willing to lend to the little guys. Business loans vary from institution to institution. You will be required to bring different information with you to each interview, but the credit history reports both for your operation and your personal life will always be required.

Besides these things, there is not much you can do except hope and see if one of the institutions will give you the money. If you can’t get cash, which will probably be the case for most start-ups, you should try to get financing from family members, use credit cards, or invest your savings into your idea.

Local Real Estate Agents May Provide More Relevant Homes For Sale Data Than National Sites

Marietta, GA, (November 3, 2004) – According to the National Association of Realtors, 70% of all home buyers search the internet for home listings at some point. While most people choose national sites such as Realtor.com to view listings on the internet, many of these people may not realize that it can take several days for new listings to appear. Additionally, once the home is under contract or sold, it may take several more days before the listing is actually removed. This often leads to a sense of frustration for home buyers.

Many local real estate agents solve this problem by pulling information on homes for sale directly from their Multiple Listing Services (MLS) and updating the homes for sale data on a daily basis. Sanford Rosser of Heritage Real Estate Brokers in Marietta Georgia says, “Saavy home hunters know the best homes are often sold quickly – sometimes within 24 hours of hitting the market. We recognize the importance of updating our site daily and showing every home for sale from all brokers, not just ours. As a result, we have noticed that a few of our clients have been able to beat other buyers to new listings and often save money by acting quickly and avoiding those awful bidding wars.”

Typical internet home shoppers want to see properties that they can buy today while not wasting time looking at homes that have already sold or giving out personal information. Rosser added, “The ability to find homes for sale on the internet has placed more demands on local real estate professionals to provide consumers with accurate and relevant information. In addition, people are increasingly hesitant to give out their name, address, e-mail, or phone number just to see what’s on the market right now. By offering a less personally intrusive, more relevant, and more comprehensive home search capability using their web presence, local agents can make the home buying process less frustrating for their clients.”

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