Product Description
Over 100,000 businesses have slow or non-paying customers. How can business owners collect that money efficiently and quickly to keep money coming in? The simple answers are in this book.

Readers will learn how to protect and grow their biggest asset by having an effective in-house credit policy that helps them to make more sales, increase their cash flow, and make a profit. Offering step-by-step actions for business owners and entrepreneurs to take in order to: weed out bad paying customers, increase their customer base with good paying customers, collect on past due balances, avoid bad debt, and increase their profit using credit management techniques. Business owners will be able to limit their business’ credit risk and increase their bottom line.

Getting Paid will help readers decide what is most important too them in regards to their customers, billing, payment terms, pricing, and cash flow. Thus, allowing them to implement procedures based on their preferences that will work best for them, their business, their vendors and customers. Steps include:

Step 1: Understand what credit management or credit policies are; the objectives; and how it affects their business and customers.

Step 2: Learn what affects a business’ cash flow and how to manage it

Step 3:  Write your own Credit Policy (this is where most business owners run for the hills)

Step 4: Improve your bottom line using credit management

  ... Read more

Product Description
This digital document is an article from Journal of Consumer Affairs, published by American Council on Consumer Interests on March 22, 2010. The length of the article is 11310 words. The page length shown above is based on a typical 300-word page. The article is delivered in HTML format and is available immediately after purchase. You can view it with any web browser.

Citation Details
Title: Credit counseling to help debtors regain footing.(Essay)
Author: Jeff Jianfeng Wang
Publication: Journal of Consumer Affairs (Magazine/Journal)
Date: March 22, 2010
Publisher: American Council on Consumer Interests
Volume: 44Issue: 1Page: 44(26)

Article Type: Essay

Distributed by Gale, a part of Cengage Learning ... Read more

Product Description
This digital document is an article from IMF Staff Papers, published by International Monetary Fund on January 1, 2004. The length of the article is 4645 words. The page length shown above is based on a typical 300-word page. The article is delivered in HTML format and is available in your Amazon.com Digital Locker immediately after purchase. You can view it with any web browser.

Citation Details
Title: New empirical results on default: a discussion of "a gravity model of sovereign lending: trade, default and credit".
Author: Mark L.J. Wright
Publication: IMF Staff Papers (Refereed)
Date: January 1, 2004
Publisher: International Monetary Fund
Volume: 51Page: 64(11)

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Product Description
Credit - understanding genesis of bad credit.


It’s very obvious that we now live in a credit world. There are lots of banking institutions offering different forms of credit from credit card to personal loans. The amount of people with credit cards is rising very fast. Apart from that, lots of people can hardly do without credit.

Because of lack of enough financial education and discipline on the part of most of these consumers they often find themselves in bad credit situations like court judgement, bankruptcy, and loan default which often make it difficult for them to get any credit at all in future. You may now want to ask – what exactly is credit?

Credit means that you are getting a service or cash grant to use for your own purpose. You are often bound with a contract or agreement to repay in future as agreed with lender or service provider. Credit exists in different forms like loan, mortgage, or credit card.

Before you can get credit from any financial institution or lending agency, they will first check your credit history. If you have default on loan before or have bad credit history you will find it almost difficult to get credit any time you apply for it.
... Read more

Product Description
Isn't It About Time You Take Control Of Your Credit Card Debt and Show Your Creditors Who's Really In Charge!

This book will provide you with proven and effective information and tips that you can use to effectively manage your credit card debt and show your creditors who's in charge once and for all!

Are You Ready To Learn Valuable Information About Managing Your Credit Cards, So That You Can Finally Take Control Of Your Financial Future?

... Read more

Product Description
Ours is a credit society.

But this powerful (and often necessary) tool for buying everything from houses to hot cakes also can create serious problems.

As the mortgage meltdown of 2007-08 has proved, unwise credit decisions can have dire consequences for individuals, businesses, and entire economies.

This updated edition of AIER’s classic guide to the world of consumer credit includes specific steps anyone can follow to enjoy the benefits of borrowing—and avoid the pitfalls. ... Read more

Product Description
Introduction

There are many misconceptions about credit scores out there.There are customers who believe that they don’t have a credit score and many customers who think that their credit scores just don’t really matter.These sorts of misconceptions can hurt your chances at some jobs, at good interest rates, and even your chances of getting some apartments.

The truth is, of you have a bank account and bills, then you have a credit score, and your credit score matters more than you might think.Your credit score may be called many things, including a credit risk rating, a FICO score, a credit rating, a FICO rating, or a credit risk score. All these terms refer to the same thing: the three-digit number that lets lenders get an idea of how likely you are to repay your bills.

Every time you apply for credit, apply for a job that requires you to handle money, or even apply for some more exclusive types of apartment living, your credit score is checked.

In fact, your credit score can be checked by anyone with a legitimate business need to do so. Your credit score is based on your past financial responsibilities and past payments and credit, and it provides potential lenders with a quick snapshot of your current financial state and past repayment habits.

In other words, your credit score lets lenders know quickly how much of a credit risk you are.Based on this credit score, lenders decide whether to trust you financially - and give you better rates when you apply for a loan.Apartment managers can use your credit score to decide whether you can be trusted to pay your rent on time.Employers can use your credit score to decide whether you can be trusted in a high-responsibility job that requires you to handle money.

The problem with credit scores is that there is quite a bit of misinformation circulated about, especially through some less than scrupulous companies who claim they can help you with your credit report and credit score - for a cost, of course.

From advertisements and suspect claims, customers sometimes come away with the idea that in order to boost their credit score, they have to pay money to a company or leave credit repair in the hands of so-called “experts.”Nothing could be further from the truth.It is perfectly possible to pay down debts and boost your credit on your own, with no expensive help whatsoever.

In fact, the following 101 tips can get you well on your way to boosting your credit score and saving you money.

By the end of this ebook, you will be able to:
•Define a credit score, a credit report, and other key financial terms
•Develop a personalized credit repair plan that addresses your unique financial situation
•Find the resources and people who can help you repair your credit score
•Repair your credit effectively using the very techniques used by credit repair experts

Plus, unlike many other books on the subject, this ebook will show you how to deal with your everyday life while repairing your credit.Your credit repair does not happen in a vacuum.

This book will teach you the powerful strategies you need to build the financial habits that will help you to a keep a high credit risk rating. It really is that simple.

Start reading and be prepared to start taking small but powerful steps that can have a dramatic impact on your financial life! ... Read more

Product Description
The American Dream of homeownership does not have to be a nightmare. Get this book into your hands as you prepare to become a homeowner. It shares information from reviewing your credit to additional expenses you can incur as a homeowner. You will learn how to hold on to your house. ... Read more

Customer Reviews (1)

Elaine Fuhr of Allbooks Reviews says-
Genre: Non Fiction

Title: Homebuyer's Helper: How To Have and Hold On To Your House

Author: Dr. Taffy W.Wagner

Buying a first home is a huge challenge that must not be made without proper investigation and education.There is so much more to it than just getting a mortgage and moving in.Many people fail to think of unforeseen occurrences and costs let alone the high cost of maintaining a home on a daily, monthly and yearly basis.

Dr. Wagner has written a fact filled book that is a must read for all those thinking of buying a new home, especially if this is the first new home.She takes the future homebuyer from the very first step, considering personal credit reports through to moving in, escrow accounts and possible emergencies after the move is final.Appendices at the end of her book give further invaluable information including credit agencies, sample budgets for new homes and payment assistance programs. If you don't need this information yourself, give this volume to a friend or relative who is planning to purchase a new home.

Highly Recommended -Reviewer: Elaine Fuhr, Allbooks Reviews

... Read more

Product Description
Poor credit control and bad debts are often responsible for undermining many a successful business, therefore it is important for businesses to ensure that they have an effective system in place for keeping credit risk to a minimum, while being aware of debt recovery procedures in the event of non-payment of invoices. This work is up-to-date with the most recent legislation. This title provides practical information on every aspects of this complex are including: how to create a credit policy; payment terms; collecting outstanding accounts; insolvency and bankruptcy procedures; company and credit legislation. A disk containg forms and letters is also included. ... Read more

Product Description
Feeling overwhelmed by your credit card debt? You are not alone and the good news is I was once in your situation too. Balance Transfer Magic is the guide to getting out of credit card debt, shortening your repayment time and keeping sane.“Balance Transfer Magic” can help you level the playing field.In fact, if you follow the methods in this book, you will not only level the field, but to tilt it to your advantage.You will be a more effective magician than those employed by Credit Card companies.Fortunately, this “magic” is easily learned.Even more fortunately, it is easily applied.Like any performer of magic however, learning magic tricks takes practice and discipline.Just as “magic” is subject to the laws of physics, “Balance Transfer Magic” is subject to the laws of money and credit card “physics.”Therefore, while “Balance Transfer Magic” can work miracles for your financial picture, it cannot stop you from spending beyond your ability to pay. It cannot rescue you from bankruptcy if your credit line is “maxed out,” you have no assets, and insufficient income to cover your minimum payments.If this applies to you, consult a bankruptcy attorney – this book has insufficient “mojo” for your situation.“Balance Transfer Magic” can give you outstanding strategies for managing and paying your debt, but it cannot stop you from signing on the dotted line.Nor can it address your justifications, psychological peculiarities, life choices, emergencies or unsuccessful risks that you might “blame” for creating your debt. It has been said that the difference between a wise person and a clever person is that the clever person can get out of any difficult circumstance while a wise person won’t be there in the first place.“Balance Transfer Magic” will not teach you how to be wise any more than a good slight of hand artist is wise.It will however teach you how to be clever. Very clever.Every magic trick has ingredients, tools, and knowledge of how to use them. “Balance Transfer Magic,” reveals these tools, and shows you how and when to use them. ... Read more

Product Description
This digital document is an article from Ebony, published by Thomson Gale on June 1, 2007. The length of the article is 718 words. The page length shown above is based on a typical 300-word page. The article is delivered in HTML format and is available in your Amazon.com Digital Locker immediately after purchase. You can view it with any web browser.

Citation Details
Title: The financial reality check.(MONEY TALKS)
Author: Bridgforth Glinda
Publication: Ebony (Magazine/Journal)
Date: June 1, 2007
Publisher: Thomson Gale
Volume: 62Issue: 8Page: 52(1)

Distributed by Thomson Gale ... Read more

Product Description
Learn How Helping Others Benefits You And How You Can Begin Accomplishing Powerful Goals In The Process...

The secrets behind The Millionaire Mindset and Inspiring Others!

Wealthy people have this so called millionaire’s personal mindset, a way of thinking that separates the achievers and successful individuals from the rest of the population. Your subconscious is much powerful than the conscious mind. This can either help you fulfill your dreams or hold you from success that you want in your life.

But why do we lack the money? Is it all because we lack the desire, opportunities, knowledge, luck or effort? The difference usually is on having the millionaire’s personal mindset.

The truth is:

If You Do Not Know How To have the Millionaire Mindset you are spinning your wheels!

There's a wide disconnect between ability and action in the world that we live in. There are millions of individuals out there who are capable of doing something. They may even have the right academic qualifications and some may even have an experience. But then these individuals aren’t putting their talents to the right use.

Think about someone who can teach excellently, but doesn’t put that talent to use. This teacher is instead doing a desk job because according to him or her that’s a safer bet. Now, the desk job can only take the person so far as he or she doesn’t really like doing that stuff. However, if this individual had taken the bigger step of going ahead and teaching - overcoming any limitations in the way, like stage fright - it's highly possible that he or she would be much better financially stable and empowered today.

But, you can learn how to have the Millionaire Mindset.I have the perfect guide available for you right here!

Financial Empowerment Is The Most Important Tool You Will Ever Need For Your Business… A Lack Of the Millionaire Mindset is like trying to attract a hungry lion with a piece of broccoli!

You might be facing these struggles:

* Understanding financial empowerment.

* Knowing how to manage your money.

* How to identify business opportunities.

* Teaching all these things to someone else!

Many more horrors...

Well don't worry...

With these strategies that I’m about to share with you, you will have no problems when it comes to building confidence!

Introducing... Financial Empowerment And Your Environment!

Your GENE for empowered, inspirational living for every aspect of your life!

Make Full Use Of Your Knowledge Right Away!

Yes, YOU can become self-reliant with money. It is a truly great feeling not having to depend on anyone else for your financial requirements and not everyone can do that. But if the right steps are taken, this is very much achievable.

If you don't have the tools for the Millionaire Mindset it will be difficult to achieve any kind of success or teach others how to have it. ... Read more

Product Description
This digital document is an article from Encyclopedia of American Industries, brought to you by Gale®, a part of Cengage Learning, a world leader in e-research and educational publishing for libraries, schools and businesses.The length of the article is 2285 words.The article is delivered in HTML format and is available in your Amazon.com Digital Locker immediately after purchase.You can view it with any web browser.Essays by subject experts treat concepts and doctrines, policymaking, commerce and science, human rights and arms control, with specific articles on topics ranging from anti-imperialism to environmental diplomacy, from refugee policies to terrorism and countermeasures. ... Read more

Product Description
This digital document is an article from Reason, published by Reason Foundation on October 1, 2009. The length of the article is 3998 words. The page length shown above is based on a typical 300-word page. The article is delivered in HTML format and is available immediately after purchase. You can view it with any web browser.

Citation Details
Title: Payday of reckoning: new laws aimed at kneecapping payday lenders will end up hurting the poor.
Author: Katherine Mangu-Ward
Publication: Reason (Magazine/Journal)
Date: October 1, 2009
Publisher: Reason Foundation
Volume: 41Issue: 5Page: 40(8)

Distributed by Gale, a part of Cengage Learning ... Read more

Product Description
This digital document is an article from Black Enterprise, published by Earl G. Graves Publishing Co., Inc. on April 1, 2005. The length of the article is 721 words. The page length shown above is based on a typical 300-word page. The article is delivered in HTML format and is available in your Amazon.com Digital Locker immediately after purchase. You can view it with any web browser.

Citation Details
Title: Empowerment through self-employment: a motivational speaker uses his craft to reach his retirement goals.(Investment Strategies)
Author: Carmen Brown
Publication: Black Enterprise (Magazine/Journal)
Date: April 1, 2005
Publisher: Earl G. Graves Publishing Co., Inc.
Volume: 35Issue: 9Page: 35(1)

Distributed by Thomson Gale ... Read more