I began investing in Real Estate at the age of 23.  I later became a licensed REALTOR in California.  I saw so many credit reports of business owners that had so many additional inquiries, balances, etc over the average person and I just believed that since a corporation is a separate entity, it should be able to have its own credit report as well.  I began to pray about this, asking God for answers to this situation.  Shortly thereafter, I met a man who owned a company and he was in the process of getting a Federal Patent on a 28-Step System he had developed for separating personal credit from business credit.   We arranged an exclusive contract to market the system and he would provide all of the customer service and Access Business Credit was born www.MyCorpCredit.com .  Access Business Credit is a division of our parent company Strategic Capital Management Group, Inc, where we also have Real Estate Investment and Foreclosure Training Programs  through Affordable Property Development, LLC www.YourAPD.com    Personal credit Repair Services are also available 866.588.6946 (Toll-Free & Fax).  

One of the biggest obstacles I have had to overcome in the Business Credit Services division is the lack of information and understanding people have about business credit.  Business Credit is not built on its own like personal credit was once you turned 18 years old and had your social security number.  Business Credit profiles must be formed through very specific actions on the part of the business owner.  Otherwise, the business owner will be asked to guarantee the business loan in every situation.  Many business owners incorporated in the first place to limit their liability and separate their business from their personal lives.  As soon as they sign a personal guarantee for a business loan, no matter how large or small, they are no longer separate and the business owner has just resumed the full liability.  This will not change with every loan, but there are thousands of loans, lines of credit and leases out there  for business owners who have completed our 28-step process to build a separate business credit profile.  Another big challenge is educating business owners on the pitfalls they can unwittingly open themselves up to by speaking with Dun & Bradstreet.  We advise all of our clients to keep in mind that Dun & Bradstreet is a for-profit corporation whose allegiance lies with the Credit Bureaus, not the business owners they market their services to. 

Mary Kay-Operation Sunscreen-Support our Troops!!

There is a great need amongst our troops to protect their skin from the harsh elements where they are stationed.

    Last month when I addressed the absolutely crucial issue of what determines the quality, content, direction, achievements and destiny of the lives of human beings I stated that - despite the confusing, often conflicting theories of philosophers, theologians, sociologists and other contemplators of human life and conditions - a life of abundance is not achieved through a conglomeration of confusing and conflicting theories - but by a simple, understandable and workable formula.  Y/N = LQ! 

   Why does one person who lives in a decadent, deprived, corrupted ghetto become involved in a life of crime, violence and depravity and the person who lives right next door, theoretically in the very same environment become an exemplary, successful, fulfilled, moral, inspirational and positively influential human being.  The answer is the way they apply the Magical Life Determining Formula Y/N = LQ. 

   Here is the definition of the Life Creating/Defining Formula.  The quality, content, direction, achievements and destiny of every human being's life is determined by what  they say "YES" to and "NO" to.  The successful, exemplary ghetto person said "YES" to that  which made him to become successful and inspirational.  His decadent neighbor said "YES" to that which made him to become corrupted, depraved and violent.  The Successful person said "NO" to the choices of his Degenerate neighbor and his degenerate neighbor said "NO" to the choices his successful neighbor made.  The total differences in the destiny of their  lives was the result of the application of the ULTIMATE LIFE FORMULA: Y/N = LQ.

   And, it is no different with you.  You can absolutely, IMMEDIATELY, and magically transform, and recreate your life in any area or aspect of it even as you read these words.  Just make a definite decision to say "YES" right now to some Life Empowering, Creative thoughts, attitudes, actions, values, etc. that you have been saying "NO" to and say " NO" to some Life Limiting, destructive, thoughts, attitudes, actions and values that you have been saying "YES" to and your life will be miraculously and instantly changed! 

   Brief illustrations:  Say "NO" to destructive relationships with negative low vision life style people which influence you toward that which is weak within you and moves you toward the base and degrading rather than toward the noble and higher.  Say "NO" to every negative, limiting thought which comes into your consciousness - every thought of inferiority, insecurity, failure, doubt, fear, inadequacy, hatred, resentment, poverty, limitation, lack and impossibility.  Say "YES" to every inspirational, empowering Relationship and Thought!  Say "YES" to joy!  Life is a Singing not a hand wringing. It is a promise not a threat - all things ultimately work together for your good.   

   Millions of couples need to say "NO" to those attitudes which cripple, produce tension, conflict and unhappiness in their relationship.  In your relationship say: "YES" to tenderness, support, understanding, appreciation and love. 

   I could continue - but you get the message.  Y/N = LQ.  Your total life is determined by that to which you say "YES" or "NO".  Next month's subject: "Living In The Realm Of ALL Possibility".

Check out my WebSite - consider ordering my Life Empowering Book: "Escalator To the High Life Zone".  See the testimonials on the WebSite of those who have read it.  www.agordonray.com