Credit Tips: Searching for Best Credit Card Offer

Posted On: January 1, 2005

Author: nina
Joined: 04 Nov 2004
Posts: 3
Location: fort campbell,ky
Posted: Thu Nov 04, 2004 4:45 am
Post subject: First time ever to get credit card…need help pls

Hi, Ive been lurking for the past few hours…hoping to get information that will help me choose the right credit card for me and my husband….I am a young housewife and Im tired of balancing my husband’s checkbook so i thought, why not get a credit card so there’d be fewer entries in our checking statement?…..yes….i am admittedly very bad at math…..yuk!… ….also it would be great for emergencies and perks and all good things credit cards are there for.,right?………..i have very little understanding about rates and interests or what have you but i do like perks ……..first i thought id get a worldperks visa coz i travel yearly to asia but after looking at comparisons..i decided that cashback ones would be better….we are not big spenders….i estimate that we’ll charge only about $700-$900 per month….and hope to pay it off monthly too……..i really only plan to use the credit card more like a debit card…..dont really intend to spend money we dont have…. i worry about getting approved because we don’t have any other credit cards..well other than the Military Star Card….does that count?…also we just recently bought a car after getting approved for a loan with no hassle…does that tell me that we are on good footing so far? so is the citi dividend a good choice for me? ive read a lot of good things about it… or do you have any other suggestions? thanks for taking the time….

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Author: Board Monitor
BOARD MONITOR-ADMINISTRATOR
Joined: 05 May 2003
Posts: 469
Posted: Thu Nov 04, 2004 3:22 pm

Nina, Thanks for your post and welcome to the board! I think the Citi Dividend Card would be a great choice for you based on your monthly spending level. Do you know what your credit score is? If not, I would get your score before you do anything. By the way, noticed you are from Fort Campbell. My brother is a captain stationed there. My wife and I were on base on July 4th and really enjoyed the fireworks show. :0)

Best Regards,
Curtis Arnold
Board Monitor
U.S. Citizens for Fair Credit Card Terms, Inc.
http://www.cardratings.com
501-663-0314 PH 501-301-8474 FX

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Author: nina
Joined: 04 Nov 2004
Posts: 3
Location: fort campbell,ky
Posted: Thu Nov 04, 2004 4:09 pm

Hello Curtis…thanks so much for your reply….it has given me much confidence to go through with this…….. We just got stationed here at Fort Campbell about a couple of months ago..so last July 4..we were actually in Camp Zama Japan where we lived for about 3 years… So how do i get our credit score? can i do that for free? ive seen a lot of free credit report sites but don’t really know which one to trust…or how free they really are…..also what score should we have to be able to qualify? i find your message board very informative and helpful….thank you so much…

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Author: frost
Joined: 15 Oct 2004
Posts: 21
Location: Florida
Posted: Thu Nov 04, 2004 11:45 pm

hello Nina, Curtis. i just was reading your posts and i have a question, i checked my Fico score last night and it’s 711, it’s not enough to get approved for the citi dividend? thank you for the precious help.

my skin is my uniform.

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Author: Board Monitor
BOARD MONITOR-ADMINISTRATOR
Joined: 05 May 2003
Posts: 469
Posted: Fri Nov 05, 2004 7:22 pm

Nina, You can get info. on obtaining your credit score(s) here:

http://www.cardratings.com/crinfofr.html

If you score is above 720, then you should be able to get the best card offers out there. Let us know how things turn out!

Best Regards,
Curtis Arnold
Board Monitor
U.S. Citizens for Fair Credit Card Terms, Inc.
http://www.cardratings.com
501-663-0314 PH 501-301-8474 FX

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Author: Board Monitor
BOARD MONITOR-ADMINISTRATOR
Joined: 05 May 2003
Posts: 469
Posted: Fri Nov 05, 2004 7:22 pm

Frost, Don’t know their specific FICO range, but I think you have a good chance with a 711. I would apply and see. Let us know how things turn out!

Best Regards,
Curtis Arnold
Board Monitor
U.S. Citizens for Fair Credit Card Terms, Inc.
http://www.cardratings.com
501-663-0314 PH 501-301-8474 FX

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Author: cabledude
Joined: 14 Aug 2004
Posts: 36
Location: East
Posted: Fri Nov 05, 2004 7:39 pm

I got one with a 685, $4K limit, if that helps

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Author: frost
Joined: 15 Oct 2004
Posts: 21
Location: Florida
Posted: Sat Nov 06, 2004 1:27 pm

thank you guys today i received in the mail a letter from citi saying that my first classic washington mutual credit card, issued by Citi and they are going to upgrade it to Citi Platinum selct soon with no change in the terms. this classic card is visa and i think the citi platinum slelect is mastercard? is that means they will send me a new one? i don’t know if i can ask them to give me the dividend instead without applying seperatly? thanks

my skin is my uniform.

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Author: nina
Joined: 04 Nov 2004
Posts: 3
Location: fort campbell,ky
Posted: Sun Nov 07, 2004 2:23 am
Post subject: thanks..

we went and got the credit report and it said we were gonna receive mail……i wonder why it cant be done online….also when are we gonna be billed? i mean are we gonna be billed if we dont intend to continue the service? sorry for so many questions but like i said…i am very new at this so pls bear with me.. thanks for all the input..they’re very much appreciated..

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Author: Board Monitor
BOARD MONITOR-ADMINISTRATOR
Joined: 05 May 2003
Posts: 469
Posted: Tue Nov 09, 2004 12:22 pm

Frost, Congrats! Sounds like you will be getting a new Citi MasterCard. I don’t think they will give you the Dividend Plat. Select Card without applying for it seperately. Let us know how things turn out…

Best Regards,
Curtis Arnold
Board Monitor
U.S. Citizens for Fair Credit Card Terms, Inc.
http://www.cardratings.com
501-663-0314 PH 501-301-8474 FX

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Author: Board Monitor
BOARD MONITOR-ADMINISTRATOR
Joined: 05 May 2003
Posts: 469
Posted: Tue Nov 09, 2004 12:24 pm

Nina, Sometimes you can’t get your report online because they can’t verify your identity. This is just for security reasons. Regarding billing, you will not be billed as long as you cancel within 30 days. Let us know how you like the service…

Best Regards,
Curtis Arnold
Board Monitor
U.S. Citizens for Fair Credit Card Terms, Inc.
http://www.cardratings.com
501-663-0314 PH 501-301-8474 FX

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Credit Tips: Searching for Best Credit Card Offer

Posted On:

Author: credithelp
Joined: 23 Aug 2004
Posts: 46
Posted: Tue Sep 21, 2004 10:02 am
Post subject: Orchard secured card

I’m trying to help a friend get some kind of credit card. She filled out the form on the orchard site that tells you what card you are probably going to be approved for and it came up with the orchard secured card with a 200 deposit. Has anyone had experience with this card? She has a car loan that is almost paid off and never been late, but she just paid some collection accounts off about 3 months ago. I think the thing that is killing her chances of getting credit are two judgements that resulted in garnished wages. Both have been paid for two years but still hurt her chances.

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Author: NightStar
Forum Moderator
Joined: 07 Nov 2003
Posts: 2313
Location: Illinois
Posted: Tue Sep 21, 2004 1:44 pm

If she has not accessed a copy of her credit report, she should do so now, to make sure that all of the collections she paid are updated… as well as the judgments. That might have resulted in the adverse action if they are not showing paid on the credit report. She is entitled to a free copy of her credit report through the credit reporting agency which Orchard Card pulled from. All she would have to do is call the three credit reporting agencies and go through the system selecting having been declined or adverse action. (Cause being offered a secured card is surely a adverse action). Then if she finds something is not updated right, she can dispute with the credit reporting agency, and ask them at the same time to forward updated copy of the credit report to Orchard Bank, so they can reconsider her application. See if she can get better terms offered to her that way.

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Author: credithelp
Joined: 23 Aug 2004
Posts: 46
Posted: Tue Sep 21, 2004 2:09 pm

I just checked my email and got them. Thanks for sending them again, i really appreciate it. She checked them a while back but she definitely needs to check them again to make sure everything is updated.Hopefully she will get something that is unsecured.

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Author: NightStar
Forum Moderator
Joined: 07 Nov 2003
Posts: 2313
Location: Illinois
Posted: Tue Sep 21, 2004 2:23 pm

She should be able to score a free credit report for that inquiry made, it varies depending on where she lives and who the most used credit reporting agency is for her area. Sometimes a creditor will pull credit reports depending on where you live using zip codes. Sometimes they just like working with one key bureau, my general guess is that a lot of companies pull from TransUnion - 800-916-8800 If not them then Equifax 800-685-1111 & Experian 888-397-3742 No problem on the e-mail, last week I had about 4 I sent get kicked back, so it might have been on my end as well… hotmail has been acting up for me lately… strange when you can send an e-mail and the person receiving does not get it for 2 days! Strange.

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Author: mommy3
Joined: 01 Nov 2004
Posts: 5
Posted: Tue Nov 02, 2004 11:29 am

My experience with the Orchard card is that they suck! They have ignorant customer service reps, doesn’t matter who you speak with there they are all dumb. If your friend wants a good starting out card to go with Providian. They are good and will get you back on the road to re-establishing your credit. That’s how it was with my husband that declared bankruptcy over 15 years ago and when he started back up with trying to get credit he had Orchard and they were terrible. He then closed that card and got a Providian card where they were very helpful and understanding with his situation. Try them and see. I think that their website is Providian.com

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Author: rhwbullhead
Joined: 09 May 2004
Posts: 19
Posted: Tue Nov 02, 2004 12:12 pm

I found Orchard to be generally good. Sure, providian is nicer, but orchard is easier to get. Orchard is great when you compare it to First Premier and Aspire. Orchard approved me a few months after my BK. I don’t think Providian would have, and First Premier and Aspire charge about $150-200 in startup and annual fees.

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Credit Tips: Searching for Best Credit Card Offer

Posted On:

Author: MsCreditOnDaRise
Joined: 03 Dec 2004
Posts: 1
Posted: Fri Dec 03, 2004 2:18 am
Post subject: Secured CC

Hello i’m new to the group, I found this site using a Google Search. I’m just beginning to work on getting my score up. I need to get a CC but my credit is pretty bad and i’ve been denied 4 times in the last 2 mts. So i’m looking for a good cc that reports to CB often and don’t show that the card is secured. I also would like to know is the privacyguard.com scores as accurate as the myfico scores, just curious that’s my next move to join one of these sites, need to know my scores. thanks

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Author: Board Monitor
BOARD MONITOR-ADMINISTRATOR
Joined: 05 May 2003
Posts: 480
Posted: Fri Dec 03, 2004 11:56 am

MsCreditOnDaRise, Thanks for your post and welcome to the board! For a list of secured cards, check here: http://www.cardratings.com/poorinfohome.html

I know for sure that Orchard reports as unsecured, but most secured cards do. You also want to make sure that the card that you apply for reports to all 3 of the major credit bureaus (Orchard does as well). Let us know how things turn out…

Best Regards,
Curtis Arnold
Board Monitor
U.S. Citizens for Fair Credit Card Terms, Inc.
http://www.cardratings.com
501-663-0314 PH 501-301-8474 FX

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Author: creditnewbie
Joined: 30 Oct 2004
Posts: 30
Posted: Fri Dec 03, 2004 12:51 pm

Bank of America reports to all 3 bureaus, but with a “secured” remark. As soon as your accounts becomes unsecure, it’s taken off. My card switched from secured to regular by the 11th month. I called them to change my card to platinum instead of gold and they told me I had to deposit more $$$ in my account to make it $5,000. I transferred $7,500 to make it $8,500 and the following day, my account became unsecured, so I took my money out and put it in a CD instead and closed the saving account I opened to secure the card. Customer service is the best. they never tried to sell me anything over the phone like credit protection, identity theft..etc. I paid my balance in full every month, never paid late fees or penalty fees.I requested a credit increase and they gave me what I wanted–$15,000–13 months after I opened the account. I have no negatives on my credit report. That card is the only credit I have, so make sure you keep your account in good standing and don’t forget; credit cards aren’t extra income

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Credit Tips: Searching for Best Credit Card Offer

Posted On:

Author: Guest
Posted: Wed Jun 16, 2004 11:36 am
Post subject: Credit Card

Wanted! sexy little 3″x 2 1/8″ piece of plastic. Open minded to high percentage rate (I’m into the high maintenance type) and low spending limit (I’m used to rejection). Seriously, heres the scope…. I pay my my bills on time, just haven’t had a long enough time paying them. I have my first loan (auto) 20,000 paying as agreed for 7 months now. I’m cursed with a 639 equifax score, 633 experian score, and 608 transunion score (according to privacyguard). I’m looking for a good start, I know that a credit card can help. But with my low score which card shall I apply to? I don’t want a secured card.

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Author: NightStar
Forum Moderator
Joined: 07 Nov 2003
Posts: 2193
Location: Illinois
Posted: Wed Jun 16, 2004 4:04 pm

What state are you in? Be ideal if you can go after a company that pulls from your best bureau Equifax or Experian.

finance.groups.yahoo.com/group/whopulledmycredit/

Check out this site to see if you can see what would be ideal creditors to apply with. You are kind of boarderline I think on your scores… Have you made sure everything is accurate as possible on the credit report, see if you can do some house cleaning to bump that score up any more…

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Author: Guest
Posted: Fri Jun 18, 2004 7:22 am

I’m in Virginia. The one and only thing on my credit report is this loan (and inquires). I got the loan Nov 3rd, 2003. The loan is thru Toyota Motor Credit. The loan is a 15.25% loan for 19087.00. I have paid every month early and 150.00 extra each month. It does also report to all 3 bureaus. I got this offer in the mail last night… First Premier Bank Gold MasterCard Annual % rate is 9.9%. Fees are as follows Program Fee $95.00 Account Set Up $29.00 Annual Fee $48.00 Participation Fee $72.00 Credit Increase Fee $25.00 per upgrade. What do you think??? Seems like there are a lot of fees. But if this is where I should start…I will. Can I do better than this?

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Author: NightStar
Forum Moderator
Joined: 07 Nov 2003
Posts: 2193
Location: Illinois
Posted: Fri Jun 18, 2004 8:50 am

First Premier Bank Gold MasterCard I have been told this is a really really bad company that you should stay away from them, Annual % rate is 9.9%. Fees are as follows Program Fee $95.00 Account Set Up $29.00 Annual Fee $48.00 Participation Fee $72.00 Credit Increase Fee $25.00 per upgrade. That is just too much BS to have to pay for what you have posted, I would recommend going to your local bank or credit union which you have a savings or checking account already set up with and ask them if you can get a secured credit card or installment loan to boost your credit - Some places don’t even report secured accounts as secured, and others after a period of time will revert the secured to unsecured on the reporting. I bet you get a better deal from them then this company!

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Credit Tips: Searching for Best Credit Card Offer

Posted On:

Author: Free
Joined: 15 Sep 2004
Posts: 17
Posted: Wed Sep 15, 2004 4:22 pm
Post subject: Biz fundung advice asap! Thanks! PLEASE READ AND HELP.

Hey, CLIFF NOTES: I WANT ~25K$ LOANED (Given would be nice lol ) THIS WEEK. IF I NEED TO GET SEVERAL CREDIT CARDS WITH SUM TOTAL OF THIS LIMIT OR DO WHATEVER ELSE, I’LL PROBABLY DO IT! HELP ME FIND A WAY … PLEASE … THANK YOU. I have NO CREDIT, NO MONEY FOR DOWNPAYMENT, NOTHING TO SECURE except for maybe a car with a blue book of ~3k$. If anyone would like to consult with me personally, I will be gald to exhange personal contact info via PM. I have always been a “debt-aphobic”. Don’t want debt, currently live debt free … barely … and I plan to live over 75% of my lifetime without debt. I feel that being debt free is a great way to experience true freedom, BUT, I have to admit that credit can be a very valuable tool. I own a sales and marketing biz. I resigned contracts over 6 months ago. I have been living off of past earnings budget. That budget is very slim today. I am almost bottom dollar broke. I have a new contract to be active in business again, but I need money to put things in motion. I am finally confident enough to accept temporary debt instead of getting a part time job to fund my business .. because I should be making anywhere from 10k-200k$ per month and instantly when I get to work … so my debt will be very short term. I have NO CREDIT, NO MONEY FOR DOWNPAYMENT, NOTHING TO SECURE except for maybe a car with a blue book of ~3k$. I NEED MONEY FAST. I would rather not spend several weeks processing papers and verifications and drafting and finalizing business plans for approval etc. I want somebody to lend me, all he money I want or as close to it as possible, YESTERDAY. I need a line of credit for BOTTOM BOTTOM dollar sub-10k$. I really WANT to have credit/direct deposit cash advance or whatever you want to call it (spendable funds) for ~25k$ … NOW. I really want to make a very high tech office and business support system including a bunch of customer service necessities and advertising … and I’ll need to cover monthly bills that I have around 1k$ and I want to feel more secure about having some extra funds just in case business doesn’t bring high revenues in the first few months. I need licensing funds, CPA funds, office equiptment, website, merchant account .. blah blah …. I made a list. I don’t HAVE TO do all of this .. but this is the best way to make money fast. I don’t want to do the bare minimum to make the bare minimum. I want to do a lot and I WILL get a lot back. HELP, PLEASE! I resourced the Small Business Administration, Small Business Developement Center and Mathew Lesko’s free list of loan potentials and some miscellaneous credit card and personal loan sites and info. My SBA/SBDC advisor was very helpful and informative BUT she said that she only knew of one program for me … Small Office Home Office Comunity Express Loan … with a cap loan of 15k$ … IF I qualified but she thought I will still need about 3 years of credit history .. so chances are slim there. I also spoke with a very polite and helpful rep at MAX I am not eligible because I have no credit. The ONLY way they can get me money is if I get somebody to apply for the loan in 100% their name , no cosigning, and they give me the money. Unfortunately, my family is extremely dysfunctional and negative and insecure so they wont help and the friends I have that would help do not qualify and the friends I have that qualify do not know me very well at all so I doubt they would help and I’d rather not ask. Unless some faithful person decides to do this for me or cosign with me then I am Mr.Independent … which I am fine with as long as I can get my darn loan. Gov’t loan programs:

helpyourself.lesko.com/BusinessHelp.htm#GrandsonToStartABusines

helpyourself.lesko.com/BusinessHelp.htm#LoansForFailures

helpyourself.lesko.com/BusinessHelp.htm#BigOrSmallBusiness

helpyourself.lesko.com/BusinessHelp.htm#WhenYoureOutOfWork

helpyourself.lesko.com/BusinessHelp.htm#UnconventionalLoan

helpyourself.lesko.com/BusinessHelp.htm#StartorExpandABusiness3

helpyourself.lesko.com/BusinessHelp.htm#StartorExpandaBusiness6

I have not checked into all of those but to my understanding, all of those will require anywhere from 3 weeks to several months to get through the process .. and I’ll need money down … and I’ll need to prepare a written business plan to their standards and they’ll be watching my every cent spent etc. That is really NOT what I am looking for … but I’ll check into the several that I haven’t persued yet .. “just in case”. So, THAT LEAVES THE OPTION OF CREDIT CARDS. I need FAST APPROVAL AND FUND USE from a credit card with as high of a limit as possible, preferably with introdctory low or 0% rate. I’ll remind you of my “profile”: I have NO CREDIT, NO MONEY FOR DOWNPAYMENT, NOTHING TO SECURE except for maybe a car with a blue book of ~3k$. If I can get several card with ~5+k$ limits, then that’ll work .. or if I can get one with a very high limit (atleast 25k$) then that’ll work. I find some with limit potential of up to 100k$ or 50k$ … but I am doubting that I’ll qualify and I don’t know if you need to put money down etc. I found a few that I wasn’t evemn sure if they are scams:

premiumquest.com/credit-cards/bad-credit/

Seems to good to be true … but if it works .. I want to do it! I am not really turned away of the good opportunity, but I am discouraged due to the lack of contact info. I’d like to be able to talk on the phone with the lender to substantiate their legitimacy. If you see the ads under that offer there are similar offers. Here’s a few more:

credit-card-applications-center.com/4/bad-credit-credit-cards.php

No limits stated except one LOW limit. Bleh .. they’re all over:

google.com/search?hl=en&ie=UTF-8&q=No+Credit+Unsecured+High+Limit+Credit+Card&btnG=Google+Searc

I called advanta and they require some credit history .. so no go there. Bleh. Please advise. CLIFF NOTES: I WANT ~25K$ LOANED (Given would be nice lol ) THIS WEEK. IF I NEED TO GET SEVERAL CREDIT CARDS WITH SUM TOTAL OF THIS LIMIT OR DO WHATEVER ELSE, I’LL PROBABLY DO IT! HELP ME FIND A WAY … PLEASE … THANK YOU. I have NO CREDIT, NO MONEY FOR DOWNPAYMENT, NOTHING TO SECURE except for maybe a car with a blue book of ~3k$. If anyone would like to consult with me personally, I will be gald to exhange personal contact info via PM.

Brian

“Let’s work together, because to gether we will stand”

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Author: Polonius
Credit Expert (100+ Posts)
Joined: 19 Jan 2004
Posts: 381
Posted: Wed Sep 15, 2004 9:54 pm

Look, you’ve got nothing that would encourage a bank to loan you that amount of money fast. Why not go the traditional route of borrowing from friends and relatives? If you really have got a good deal in the works, maybe you can get help by promising a percentage of the profits. But if your friends and relatives don’t trust you enough to loan you these sums, why would a bank or finance company feel otherwise?

Good luck!

Polonius

“Neither a borrower, nor a lender be; For loan oft loses both itself and friend”

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Author: Free
Joined: 15 Sep 2004
Posts: 17
Posted: Thu Sep 16, 2004 4:17 am

Hey, thanks for the response! Keep em coming please. I’ve got a perfect reply for your post because I already explained in my initial post with the foresight that there would be a reply like yours.
Quote:
Unfortunately, my family is extremely dysfunctional and negative and insecure so they wont help and the friends I have that would help do not qualify and the friends I have that qualify do not know me very well at all so I doubt they would help and I’d rather not ask. Unless some faithful person decides to do this for me or cosign with me then I am Mr.Independent … which I am fine with as long as I can get my darn loan. I think there should be a legitimate lender to meet my needs way before any friend or family of mine could because the banks have a million/billion etc times as much money as I want to LOAN AND the gov’t backs them when they get into trouble AND I can really make the money back fast AND I’d like to think they are not as rude, dysfunctional, skeptical, insecure, broke, etc as my family. I’ve got some really great acquaintances/friends to turn to … but since I live a busy life and I have only met these people within about a year and I haven’t really built strong personal relationships with them (we just sense a strong common bond between us and enjoy ur company when we are both less busy) then I do not think I should have to ask them to help me in such situations. This is what lenders, credit cards, gov’t loan programs etc should be for. I shouldnt have to rely on “good connection” acquantances and friends. Also, I think that the most qualified friends and acquaintences that I have may lend me the money IF I wanted it to work with them BUT I want to work for me with my plan. I don’t think they’ll want to help me unless I am contributing with their business. Despite any profits that they would get from interest or earning … they would most likely look at me as a competitor in their industry … so they will be reluctant to help and likely offended that I haven’t take advantages of business opportunities that they have offered me and instead chose to compete with them. Hope that answers your question. Now, I am a can do and will do somehow someway person. I am determined. There has got to be a way to do this. Thre is some way to get most opr all of he funds that I want. It is 5am EST here and with my morning routine and workout … I won’t be doing business/research till about 10-12am EST. I will be looking into the gov’t loan programs and credit card info I have mentioned and linked to in my first post. If anyone wants to contribute then I sincerely and greatfully welcome participation. It really seems that, at the least, I should be able to use several credit cards in order to combine the limits to get my max credit limit. Don’t many people do this? Isn’t this why many people have multiple credit cards? Great, then it should work for me too. Problem is, I am limited to lower credit limits due to my: NO CREDIT, NO MONEY FOR DOWNPAYMENT, NOTHING TO SECURE except for maybe a car with a blue book of ~3k$ .. status. But, I did link to such seemingly accepting cards that had decent limits from 5k, 6k, 7.5k,10k$. If I combine a few of those then I should have my max credit line that I want. My further concern is, how long does it take to have access to 100% of funding and how legitimate are these offers of “guaranteed approval for no credit” and “guaranteed fixed credit limit with monthly rising limit potential” etc. Somebody please provide feedback. I sincere appreciate contribution. If you have te slghtest idea how I can get this funding asap … please type it here.

Thanks,
Brian

“Let’s work together, because to gether we will stand”

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Author: NightStar
Forum Moderator
Joined: 07 Nov 2003
Posts: 2266
Location: Illinois
Posted: Thu Sep 16, 2004 8:25 am

Only thing I can suggest is another forum I know that talks about business credit more then here, is artofcredit.com - they have a section just for businesses looking for credit - you can try there. I don’t know how this is going to work myself, since it takes up to 2 weeks in most cases to find out if you are approved for a credit card, and then maybe another week or so to get the card. You can call in the automated system each company has to see what they offer. I know Curtis has in the main site a comparison for looking up business credit cards, like Capital One, American Express…. to apply with. These will require a personal guarentee though! No way around it for a small business as yourself. That is the extent that I even know on this subject, wish you the best of luck, I am trying to start a business myself, but it is so forward in planning, I have a lot of learning to do before I can even cross that line myself. I do know some of these places are going to require a business plan as well before granting you money.

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Author: Polonius
Credit Expert (100+ Posts)
Joined: 19 Jan 2004
Posts: 381
Posted: Thu Sep 16, 2004 9:47 am

You’re right–that paragraph was in your initial post and I missed it. Sorry–my apologies. Problem is, you’re saying two contradictory things. You say you’re an aggressive, can-do, successful individual who has a sure-fire way to make a huge amount of money in a short time. And you’re also saying that your friends and relatives won’t give you anything, you have no assets you can turn into cash, and you have a lousy credit rating that makes most banks unwilling to lend you much money. So you’re looking to convince someone (here? a loan officer?) to have faith in you and loan you money based on that faith in you–fast….very fast… Lots of conmen offer the same story to fleece the unsuspecting of their cash. I’m not saying you’re a conman. I don’t know you after all, and that would be a rude statement to make to a total stranger. But there’s nothing in your post to convince anyone that you’re not one. And, apparently, there’s nothing in your past or your current financial status to convince someone either. Successful people have successful friends.

Polonius

“Neither a borrower, nor a lender be; For loan oft loses both itself and friend”

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Author: Verne
SENIOR MEMBER (Member for 2 yrs.+)
Joined: 14 May 2003
Posts: 488
Location: Midwest
Posted: Thu Sep 16, 2004 10:51 am

I think the chances are slim that you’ll be able to get credit cards with little or no credit history and low income (you said you’re broke). If you are able to get a credit card it would, as NightStar said, take time and would probably be with their minimum starting limit: 1K or so, depending on the credit card. It would help to know more details: like your credit score, length of history, income, current obligations etc… that go into the decision whether to extend you credit. Banks and credit card companies are far more dysfunctional than any family so don’t get your hopes up. I don’t know much about starting or running a business so can’t really get into grants and government loans. I’m just a debtor and a shopper - wrong end of the equation.

Verne

Any agreement that can be changed at any time, for any reason, is no agreement at all.

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Author: Free
Joined: 15 Sep 2004
Posts: 17
Posted: Thu Sep 16, 2004 11:29 am

Night-Star, Thank you very much for your attempt at helping. Finding another potentially very rewarding forum is positive help and I appreciate it. My sincere best of luck to you with your endeavors. I am excited that I am at this point of progression but I ache to get over this current obstacle … so I WILL FIND A WAY … I am just not positive exactly how it I will do that at this very moment. About my expressing that I want this funding “yesterday” … well .. SURE I DO. But, I can understand the realism of processing etc. I would just like to avoid that where possible … so if anyone knows of any fast cash or fast acces credit limit resources whther it be personal loans/credit card etc .. then great. More importantly, if anyone knows how the funding that I want can be attained with my exlained status: “NO CREDIT, NO MONEY FOR DOWNPAYMENT, NOTHING TO SECURE except for maybe a car with a blue book of ~3k$ .. status.” then THAT is most important and if it takes a few days or weeks then it’s better than nothing. My saying that I want it “yesterday” will not change what my actual options are … BUT it does express my urgency and lets viewers know that I’d like to have the funds asap. Who doesn’t want funding asap?!?!? Nobody doesn’t wantfast service. I just emphasised my want and identified my need. if anyone knows of the quickest hasself fre ways then post em up … please .. thanks! Thanks again for understanding and contributing. I will refer people from that forum to this thread in hopes for more exposure. I also emailed the “feedback@cardratings.com” for more professional exposure since I jst read a bit of thier mission etc this morning. I am persistent, I will find a way. I will provide as best rousources as possible for myself, my family, my cutomers and associates. Thanks x 10. Check out some of those “kess known” card links from my first post. They seem to be quit interesting and “fast” funding. I will research more later. Provide feedback at will. _________________ Polonious, apology accepted. BUT … I have absolutely no problem admitting that your 2nd post did get my blood pressure up a bit, but I can understand what you mean to convey .. I think. However, 1) It seems that you missed a bit of information in my second post in this thread … and misunderstood some of the info that you did read. You paraphrased and put my sentence(s): “Now, I am a can do and will do somehow someway person. I am determined. There has got to be a way to do this. Thre is some way to get most opr all of he funds that I want. ” .. into your own words and I slightly diagree with the interpretation. My aforementioned sentences could be/are synonomous to your statements: “agressive, can-do” … but your other statements: “successful, individual who has a sure-fire way to make a huge amount of money in a short time(in relation to my statements about my confidence in my commisions)” aren’t exactly what I said. You said them. I suppose you could most definitely consider my attitude as that of a very successful individual … which is why I will further prove (to myself mostly)to be successful as time goes on … but saying that I am successful is reletive to the individual perception of success. I am an overachiever. I am very happy of my current accomplishments and overcomings of adversities etc and some may claim that is all the success in the world … but I am not satisfied with stopping there … and I could call myself a success … but I percieve different levels of success and while I have achieved and surpassed certain levels I am not accomplished and complete to my standards (and I do not know if I’ll ever be but I hope so … bleh … that’s “deep” .. so let’s drop it.) Also, I wanted to make it clear that my commisions are based off of 100% commision work … no guaranteed base pay … and my gross profits are determined to be about 60% of retail and I will probably have ~1/3rd taken by the gov’t minus write-offs. Plus I still have all the “little”(again reletive word) expenses that I could add in effort and effect to improve my business with certain equiptment and business tools/sevices etc. Some of these services like phoneand phone services/websites design and bandwidth and flash and mutlimedia etc/merchant acounts etc will have annual and monthly expenses … some will be write-offs etc. Now, with just my sales (I plan on ivesting in other enture when I build sales volume) I could make anywhere from 0$-200k$ per month GROSS … then minus all the aforementioned and you get my net … duh let’s say … conservatively … 50% of gross is my net. To some people that is “pocket change”. You called it a huge amount of money, I didn’t. I said: “I am finally confident enough to accept temporary debt instead of getting a part time job to fund my business .. because I should be making anywhere from 10k-200k$ per month and instantly when I get to work … so my debt will be very short term. ” I would say that a minimum “guaranteed consistancy” of my sales would be 10k$ a month. It is very possible that I will be consistant at 30-50-100+k$ per month. Knowing this, I simply stated that I am confident in being able to not only make minimum monthly payments if I chose to do that for some reason … but really I am confident in being able to pay off debts early of my want of ~25k$. That is all. I wasn’t even aware that loan officers view this board. I did one google search for “credit card forum” and this was in the “sponsored” section of google (to the right of the screen) and it seemed to have the most traffic of the few forums that I viewed. I didn’t even view the rest of this site until this morning. I posted quickly from a glance at the forum and went to work and to sleep. I came here to try my chances. I wanted to see what other consumer credit people or any viewers would be able to share to help me. I figured somebody may know of a specific loan company or card or service or gov’t loan etc. That is all. But, yes, as I said that I want a loan/line of credit/ available spending funds from somebody or some service or card that I qualify for etc … and I just wanted to see what others on this forum may be able to help with or direct me etc. I exposed “private” personal “things” for humble help. Yet you don’t seem to admire my confidence and only doubt my legitimacy and nobility/morals/ etc. I am sorry you fell that way. Please, read a book called The Magic of Thinking Big by Dr. David Schwartz. In the book you’ll find that if you want to establish connections and have other people speak good of you and have faith in you etc … then you should treat others in such ways. Put a smile on your face, and stop doubting people but encourage them and see their strengths etc. BTW, I am going to be selling Personal Developement 90 day home study course and conference tickets to exotic locations around the world (vacation ad personal developemnt in one) … like Tony Robbins … so maybe you can get an idea of how I percieve you statements. Since there are no grants that I qualify for to my knowledge and to the knowledge of my SBDC advisor, Mrs. Sally Feltner of Richmond Virginia .. I need a loan … so this would be money that would haunt my identity and my existance until I paid it off. I, the past debt-a-phobic, am confident enough to ask for such help since I know I can pay it back. I am more than willing to tell anyone my life story if they want to hear it … along with my ups, downs, slips, falls, trial, tirbulations, accomplishments, home phone, business phone, home address, photo id, etc etc … (yes, I am being a bit of a “smarty” because I am slightly offended by your “con” comments since I feel so strongly about my business and since I am WAYYY oposote from your self-explained perception of me). I do deserve this loan. However, this post/thread was not AT ALL supposed to be discussing tangents of my life and convincing anyone of what I deserve. I simply asked for help with a specific accomplishment. You say that you’re not syaing that I am a con, but then you explain that your perception is that I am. You sir, are being contradictory. I don’t believe I ever was. Please, if you care at all, read my previous posts and the above text in this post carefully. I have already supplied a great response to your last post … AND if you read a bit more carefully you probably would not have made some of the comments that you did. I do understand what you meant to convey … but you “slipped” a bit and crossed a thin line. Your post was a bit rude. I know some people don’t care for act .. but I actually find that many of the most successful and respect people value it very highly … and I personally favor tact. But your post didn’t really lack tact … it just seemd to lack thinkibng of what you were posting before you poted … and it was bit un educated of a response in relevance to this thread because you obviously missed some points that I already made. More so, honestly, your post conveys negativity that I do not like to have anywhere near my business or general train of thought (I am not a “whack-job” or afraid of your comments etc … I am just humbly attempting to explain my personal perception which has proved to help me be who I am today). Your post was not about helping … it was about expresing doubt and telling me that I am a con and not going to be successful. Whether you meant to convey that or not I am not sure … but that is my perception and I thnk it is accurate by general means of consensus. I do forgive you for being a bit rude. I WILL NOT let your comments influence me in any negative way. Actually, I will transofrm your statements into motivation for my success and for the success of others that I interact with. Your post motivates me and reminds me what to do, or what not to do, to affect people in positive ways. I still encourage you to post if you have some thing contirbute that does not constitute bashing me. I can accept constructive criticism … but really … I already know how much adversity I am up against so I don’t need to have anyone remind me of any of it .. because it doesn’t help at all .. unless I look at it as motoivation. Seriously, do you think I didn’t even slightly consider my adversity that you stated in your last post? I understand that, but I block it all out. ALL I AM FOCUSED ON IS HOW TO ACHIEVE … NOT WHAT MY ADVERSITIES ARE. To respond to your last statement: “Successful people have successful friends.” You’re darn right. I agree. I agree that the best way to become successful is to surround yourself with sucessful people and learn form them. That is why, even though I never went to college and only graduated high school … I have the opportunities that I have today. I made effort to “attend” mentor, friend, acquaintance rea life resourceful success school … and I applied the principles to find my own opportunities and capitalize on them … in this currentl relevent opportunity …(selling personal developement awareness and “deep” study courses )… I am helping others too .. compleyting the life-cycle of helping people achieve … becoming that successful person to help others learn from. It is rare to be able to think in such ways without having successful friends. As a matter of fact, I do not know anyone who could think that way without being influenced by successful friends and or acquaintences. It seems you missed a statement or two (or a paragraph) of mine that would have kept you for making this statement of yours. “I’ve got some really great acquaintances/friends to turn to … but since I live a busy life and I have only met these people within about a year and I haven’t really built strong personal relationships with them (we just sense a strong common bond between us and enjoy ur company when we are both less busy) then I do not think I should have to ask them to help me in such situations. This is what lenders, credit cards, gov’t loan programs etc should be for. I shouldnt have to rely on “good connection” acquantances and friends. Also, I think that the most qualified friends and acquaintences that I have may lend me the money IF I wanted it to work with them BUT I want to work for me with my plan. I don’t think they’ll want to help me unless I am contributing with their business. Despite any profits that they would get from interest or earning … they would most likely look at me as a competitor in their industry … so they will be reluctant to help and likely offended that I haven’t take advantages of business opportunities that they have offered me and instead chose to compete with them. ” If I have to turn to those people then I will total last resort) … but I’d much rather do this myself … and I do not want to offend good standing acquaintances and friends by asking for a loan for my own ventures (which technically compete with theirs) when they want me working with them. I hope we have a a better understanding now. Please, read more carefully and consider your statements more thoroughly before posting them. I know I would sincerely appreciate it and I am sure others would as well. Please read all of my words again, and realize, I am definitely no con man … but it was never my initial intent to convince you or anyone here that I wasn’t one. The point: CLIFF NOTES: I WANT ~25K$ LOANED (Given would be nice lol ) THIS WEEK. IF I NEED TO GET SEVERAL CREDIT CARDS WITH SUM TOTAL OF THIS LIMIT OR DO WHATEVER ELSE, I’LL PROBABLY DO IT! HELP ME FIND A WAY … PLEASE … THANK YOU. I have NO CREDIT, NO MONEY FOR DOWNPAYMENT, NOTHING TO SECURE except for maybe a car with a blue book of ~3k$. I don’t want to hear/see of all of the adversity and people telling me what I can’t do or how I seem to be. I know who I am and what I stand for. I am politely and humbly asking for any viewers of this post to explain how I may be able to make this happen.

Thanks so much, sincerely!

Brian

“Let’s work together, because to gether we will stand”

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Author: Free
Joined: 15 Sep 2004
Posts: 17
Posted: Thu Sep 16, 2004 11:53 am

Hey Verne, Thanks for your contribution bud! Your post is helpful. I know what you mean about being at “the wrong end of the equation” because I sued to be “on that side. But really, it quite simple and intuitive. When you figure things out … you realize you may have known it all along but never realized it. A wise teachoer of mine once said ” You cannot teach somebody something that they do not already know but you can help them realize it.” Whether that’s true or not … I am not for sure because it is debatable … but it’s a cool quote and relevent. Also, if you .. or anyone viewing … is interested about learning more of “the other side of the equation” then I reccomend yet another book : Prosumer Power .. by I don’t remember who. In my first post, I linked to some credit cards that are specifically found to accept people with no credit so theh can get started. Some “less known” companies seem to gurantee credit limits for those cards .. for anywhere from 1k$,5k$,7.5k$,10k$. I am just not sure how legitimate they are. I need to research more. A combination a a cuople of those may be exactly what I need and may be very possible. It does “sound too good to be true” to people who are used to accpeting things that are IMO “too bad to be true” … but I don’t care about that. If it works … then I want to do it. I’ll research more. My credit report really is blank. It has my name on it and equifax has my date of birth incorrect … lol. It didn’t have any employers reported on it etc. I didn’t look at reports for the other two. My income potential is stated in my previous posts. I , can realistically pull in 500+k$ in the next 12 months … but I would be very confident to say that my income would be a minimum of 100k$ annual. Honestly, if I work with any drive or consistancy (which if you read pevious post .. you can tell I do not lack) then I should be more guaranted to make aorund 250+k$ … and I could make up to a million with investments of income … really). Read my above post please. I understand that I only made sch elboration about my business after your posted … but please review if you wish. Again: I have NO CREDIT, NO MONEY FOR DOWNPAYMENT, NOTHING TO SECURE except for maybe a car with a blue book of ~3k$. My expenses are minimal. I have no house or car payment. I pay for health/dental/medical/car insurance … gas … phones billes for cell and home … fitness club membership … and the business expense area is where things get very flexible. I do not want to do the vare minimum for my business (~2-3k$ startup). I really want to stack up on supplies/services/legale support etc etc to really make my busines handle high volume and unrivaling service which will transalte into high income sooner .. which is why I really want a loan for ~25k$ to not only start … but have money left over to sustain if I need it … as security for myself and the loaner. Please see previous posts about elaboration for business expenses. I know what you mean about dysfunctional loaners etc … but as I said before … because success is negatively impacted when anyone dwells on such things I am not carring or trying to think about that. I know what I am up against. I only want to know how I need to achieve … and I do not need to be reminded of the adversities that I “stare in the face” and overcome “day by day”. I understand you’re intent in your statment was in effort to explain that I shouldn’t get my hopes up .. but I disagree slightly. Hopes should always be high and neverending. How you handle adversity is the key. I can handle adversity because I forget about it .. think of the positives … let adversity motivate me .. and move on. Thanks you though for your kindness .. and please feel fre to contibute anything else you can think of. Help is sincerely appreciated and not taken for granted. If there is anything that I can do to return help .. I like to … so that is generally my consistant intent. Thanks!

Brian

“Let’s work together, because to gether we will stand”

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Author: Free
Joined: 15 Sep 2004
Posts: 17
Posted: Thu Sep 16, 2004 1:48 pm

Here’s an interesting read which may definitely be relevent to some of the credit card ffers that I have seen:

crimes-of-persuasion.com/Crimes/Telemarketing/Inbound/MinorIn/MoneyProbs/card_offers.htm . Also, check this “AMAZING CREDIT SECRETS” stuff Out. I hope that the claim of the 25k$ loan in 24 hours No credit Check and No Cosigner is true … but the page seems like a scam. I called the recorded message …. and they want ~70$ “C.O.D.” for the package after you leave your mauling address. Things like this make me think there is a GREAT BIG “catch” … but I am not sure … it could be legitimate. But I’d rather not fork over 70$ for information that should be found for free if it is actually true. themarlergroup.com/index.html Bleh. If I really had to … I could start selling product for less than 1k$ startup … but … that is just rediculous IMO. A busines man once told me that you shouldn’t look for ways to make the minimum by budgeting small. You should look for ways to make the max by extending your budget to accomodate better business volume and quality. He’s right. I want to buy two of the products that I’ll be selling most … which at retail cost would be a total of about 9600-10,000$ … then I want funds to really expand adverstising and to really provide an excellent presentaion for customers on the internet and on the telephone. My office space could really use 1-2k$ of upgrades. I need a cpa, I could use and shuold have a lawyer, I need licensing fees, belh … I have 2 page list of possible expenses that wold all help to bring in substantial income. Then I want “financial cushion” from the loan … aka … extra spending money …. for securities of first month(s) income and loan payment etc. 25k$ would make me feel really comfortable. I don’t know if my car will qualify as any collateral … but I am confident enough to risk it if I need such collateral for a loan that is worht my risk of my vehicle. I also may be able to risk 2 vehicle … which probably only hold ~5k$ of blue book value … despite them being worth around double that in my automotive enthusiast opinion. Bleh. There is a way. Help me figure it out. I don’t care if I need a personal loan or a few credit cards etc … I just need something .. and REALLY WANT AND COULD USE WISELY 25K$ LOAN. If I juts had 3 years of good credit history then I could have already gotten my money from americaoneunsecured.com. They have great benefits and loan plans/terms. I do not work for them at all … and I am not advertising as an affiliate or anything … but I was VERY impressed with their offers and their staff. I just don’t qualify. Bleh. I am spending too much time on these forums. I’d rather be doing business. Bleh. I’d also like to add that I posted a link to this thread on the recommended biz forum .. so thanks again Night-Star! AND, if the downpayment was the only thing in my way I could do my best to source as much down as possible … but chances of it being substantial in a small amount of time are small . I sing: “I am happy, oh so happy … it’s amazing how happy I feel .. yada” “Toodles” -

Brian

“Let’s work together, because to gether we will stand”

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Author: Verne
SENIOR MEMBER (Member for 2 yrs.+)
Joined: 14 May 2003
Posts: 488
Location: Midwest
Posted: Fri Sep 17, 2004 3:18 am

Free, [Edited by Board Monitor] You want thousands of dollars right away? Is good, no? Want 25K loan - maybe gift - what a huge gaping maw you have. Spare me with your prospectus of future company earnings. You can’t stand to let your “friends” in on the deal because they would want a piece of the share. Judging from the way you’ve presented yourself I wouldn’t invest in whatever you’re selling. What you present sounds like another scheme. Please don’t think I’m invalidating you, I just don’t want to do business with you. I’m still not sure whether you’re posts are a sort of a stealth advertisement for the various links you listed or real. I thought you were troll or spam from the start but tried to give you the benefit of the doubt. I’m afraid the doubts increase.

Verne

Any agreement that can be changed at any time, for any reason, is no agreement at all.

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Author: Free
Joined: 15 Sep 2004
Posts: 17
Posted: Fri Sep 17, 2004 5:04 am

Wow, Too bad you feel that way Verne. Yes, ideally, I’d like that kind of loan asap … juts like any other business person would like fast service. I explained that I am willing to take more time if I have to … but there is still chance that I could get a faster and “hassel free” loan .. so I am going to research the places that I know of .. and I simply asked if anyone else knows where I may find such service then please post! The “gift” comment was a JOKE! I NEVER EVER SAID that I wouldn’t let my friends/acquaintances “in” on the deal. Quite the contrary!!!!!! I said I’d be more than willing … but they would most likely be offended … because they offered me money and time to work for them or with them with their business. I SAID it is easy to understand that they would be offended and reluctant to help to cosign or even lend me money … because I would have rejected their offers and opportunities … and be aksing for support from them to do my own thing … which could also be considered competition Before I risk offending people who have had such great influence in my life .. I’d like to figure this out on my own .. and offer them business opportunity after my proven success. Man oh man, it’s so sad that you must have not even read my posts to come up with a response such as yours! I would pull quotes … but I shouldn’t have to. You should have read. Your insults have no merit. My previous posts contradict your insults. Your insults have already been debunked and therefor you should have spent your time reading and comrehending prevous posts instead of posting pointless insults. I never asked you to invest in what I am selling. The “whatever” was explained as personal developement. 3 products, one home study course, 2 types of conference tickets for 4 conferences held at exotic locations around the country and world … combining an awesome vacation with personal development and business education and diverse eductaion for wellness … much like Tony Robbins type conferences and personal study courses. From your insulting posts, I am lead to believe why you wouldn’t want to take parts in such things … because it seems you like to insult people despite obvioulsy not reading carefully to realize that you have no merit for insulting. Your comments were already “debunked” in most ways by my previous posts. This is no scheme. It’s unfortunate if anyone is so afraid of being victimized that they have to doubt people’s valididty when asking for humble help. I have explained almost everything there is to know except for how to buy my products and open a whoesale account if you wish etc … because I am not trying to sell anyone anything here at all. Step off of your “high horse” … and start reading posts and thinking about whether or not your insults are even merited before you post … and before you essentially make a “jerk” out of yourself. Again, I never asked you to do business with me at all … ever. Your “doubts increasing” is unfortunate “train of thought”. No stealth advertising here. Read the text with the links, this is all stuff I have passed over in my research time. I have explained pros and cons about the links … and posted some just to show what research I was doing so that there wouldn’t be repeat information and people telling me to research in places that I alread have. Once again, the only thing I could profit off of would be the products I mentioned. I have not and will not be posting anything about how to buy products from me. I am not advertising. The internet is a funny place. This is supposed to be a ethica and heklpful discussion board. It seems that I was doing a much better job at helping myself … and that I am only beginning to waste time responsing to meritless insults that are largely posted only because the posters lack taking time to read and comprehend my previous posts. Incredibly rediculous. I wonder why I still post here. Maybe somthing positive will come out of this thread … and maybe that will be the realization of certain person’s rude posts and how they can be avoided. Think, I already gave the answers .. (ahem .. read, comprehend, think, stop being a fraid, and stop being so negative.) Thanks for the initial “benefit of the doubt” … too bad you lost any of that positivity. You know, the most successful people I have ever met and or leaned from always tend to want to know and think of the pros … not the cons … of everything. Just food for thought. ______ A copy/paste of a post from the AOC forum: Thanks Armondo! I apreciate your understanding and taking time to read the thread that I linked to. I figured I should search and read this forum. I saw a high volume of brilliant posts by LaLaw … just on page one in this Biz section. Yesterday, I spent about 8-10 hours .. non-stop .. on the internet and majorly open the phone with private, state, fedral loan funds all over the country. I have a lot more phone time on my agenda for today. I suppose I should searc the forums here … but my case somewhat unique with my lack of typical lending qualifications and my utmost confidence in quick revenues with proper funding. So, I am not really expecting to find a whole lot of helpful info. I wuold expect many threads to be from people who are qualified for some loan sources that I have found. For instance, if I had 3 years of good credit history, opposed to no credit, I would most likely already haev my money in hand from the awesome services at americaoneunsecured.com . It just seems that not many people have my lack of qualifications. I am considering taking time to write out a professional business plan so that some other loan agencies will consider me … but I was told that this process could take atleast 3 weeks … possibly a lot longer … and my chances of qualifying are slim. I am confident that I would qualify due to my revenue forecasting in comparison with industry standard etc … but I am not going to persue that until I am sure there is no way I am going to get a quicker and “hassel free” loan. I am contacting several other loan programs and my local credit union today .. to try and progress more quickly. The more quickly I get to work, the more quickly te money comes in. Some of these loan agencies aren’t comprehending the simplicity of my busines model and spoken plan … and they reallyt want me to slow down and write a business plan for them. I know for fact, that the most successful people in the industry started FAST as possible .. no mater what … so that’s what I am trying to do. I will not be denied. Looks like I may have to review my budget again and ask for a lower loan amount … and really try to secure it with my car (only has blue book of around 3-4k$ unfortunatley , despite market and personal value) but if I can get the 25k$ then that’s what I’d really like. Also, (to my current understanding via PM exchanges) a moderator/admin wants me to copy/paste that entire thread over here … because they say that’s the only way they’ll respond … so you guys may see a lot of text over here later. Thanks for views and responses! _______________ Hope this brings anyone up to date who cares at all. Please think, read, comprehend before you post. I don’t deserve your insults. Go make a positive impact on somebody’s life instead of wasting your time insulting people who you think are just “trolls” anyways and therefore not worthy of your time or thought etc. I am the one trying to be productive here. I have always considered the insulting and unmerited (due to lack of reading and comprehending previous posts) the “troll” posts. If you don’t have something positive to contribute … then don’t waste either of our time posting your unmerited insults. Maybe this is just your “scape goat” for venting grief? You sure seem like you wanted to be nasty to somebody and chose me without even reading what debunks your insults. I suppose if this is all of the activity on this board … then maybe I should just stop posting. I seem to be gaining nothing to date from forum posts in relevence to this business situation. I am making far more progress by spending my time elsewhere. Still, there is a possibility that somebody could contribute great worth here … and some of you have helped a bit … but the negativity is starting to “outweigh” the positive here. Bleh. Make it a wonderful, stupendous, utmost joyful day and put a smile on your face because they’re contagious!

My sincere best,
Brian

“Let’s work together, because to gether we will stand”

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Author: Polonius
Credit Expert (100+ Posts)
Joined: 19 Jan 2004
Posts: 381
Posted: Fri Sep 17, 2004 9:26 am

Brian, the Internet is a strange beast. We’re all anonymous–we’re judged by what we post. That’s all we have to go on. The image you’re giving out is that of someone needing money today for a business scheme without any of the traditional security to offer a bank or lender. You are spending your days looking for money to borrow instead of earning money to do what you want to do. You say you have meager assets and no credit history. And when people play back in their posts how you’re coming across, you respond with anger and insults directed towards those you’ve asked to help–and the few who bothered to respond to your lengthy and fairly incoherent and repetitious posts. Surely you know that most businesses fail. The sort of business you’re describing has a very high failure rate. Most businesses start out losing money at first, yet you’re projecting a profit from the start and talking about $10,000 to $100,000 per month income. If you’re the exceptional person who will be successful at such a business–if your projections are correct–well, you’ll have to convince those with money to lend about that. So far, you haven’t convinced any of us. That’s why I suggested friends and relatives, since people who know you are more likely to loan money to you IF you are what you say you are. But you have your reasons, apparently, for not going that route. Up to you. What I would do in your shoes is work and save. Get a day job, a night job, and a weekend job. In your spare time, start your business. An Internet-centered business costs little to start up. Get some assets. Get your business started. Demonstrate the concept is profitable. Show you’re capable of the hard work and dedication needed to make your own business succeed. Then you’ll be in a position to get help from others–or to run your business without that help. Finally, look at the reactions here from the posters who usually spend a good deal of time helping others. Read the other posts of these good folks. You’re seeing a uniformly negative reaction to the way you’re writing and presenting your needs and ideas. That’s because of YOU, not us. We’re here to help and, believe it or not, what’s been posted in response to your posts is meant to help you by showing how you’re coming across. You’re coming across as a loser, Brian–someone with big ideas and fanciful projections, but a loser with a history of failure, no assets, and a desperation for immediate cash–as well as someone quick to turn on those he’s asked to help if he doesn’t like what he hears. That’s the impression you’re giving off–and it’s not going to help you get others to trust you and loan you money, if that’s what you really want. I say that not to insult you–as I said before, I don’t know you. But that’s how you’re presenting YOURSELF here–and we’re doing you a kindness by letting you know that. Sometimes the truth is hard to take. Again, good luck.

Polonius

“Neither a borrower, nor a lender be; For loan oft loses both itself and friend”

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Author: Verne
SENIOR MEMBER (Member for 2 yrs.+)
Joined: 14 May 2003
Posts: 488
Location: Midwest
Posted: Fri Sep 17, 2004 1:28 pm

Free, I’m sorry about the tone of my last post. I had an exceptionally rough day - friend died, both toilets malfunctioned on the same day, and I went on a bender. I discovered this morning that I had also sent out a flurry of angry emails. Good luck on your venture.

Verne

Any agreement that can be changed at any time, for any reason, is no agreement at all.

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Author: Free
Joined: 15 Sep 2004
Posts: 17
Posted: Fri Sep 17, 2004 2:58 pm

If there was ever a post in this thread worth reading carefully, this is most important. I thank the board monitor for the edit of Verne’s post … however I also liked the idea of showing how he reacted … but … it is good to know that the board recognized the improper response. Well Polonious, nice to see you participate again .. however you lack to apologize for your past misconceptions and lack of taking time to read before posting and being rude etc … regardless if you finally did take the time to read by now. I’m not asking for any apology. That’s your position if you chose not to. Go for it. Just thought I’d remind you of the reality and how that reflects on your character. YES, I AM figuring out how to have more business funds in less time so that revenue will be quicker and more substantial. Yes, I originally thought I should fund my business through a job … and I got an offer for a job that paid ~80k$ gross. I politely declined due to my standard of ethics. I’ll explain. It’s common knowledge that for most job positions the company wants to hire an individual that wants to provide a lot of hours … typically for income that is not proper compensation for the time alone not even considering the type of work … AND they want that individual to work with the company until retirement if possible. I chose that I did not want to mislead any company and work for them with the promise of long term commitment (a major factor to get the job is to show dedication to the position .. long term) only to get my busines funding and drop em like a bad habit. I thought that was far too unethical for me … so I respectfully explained and declined and apologized for wasting their time. I could do this if I had to, sure, but IF I had to work a job for biz funding … I’d rather be a temp somewhere … and that still doesn’t generate the cash flow fast enough. It could take several months or longer. No thanks. What I have is a business plan for immediate income … just like a job … so I am not going to get a job to work a job to my standards. If I wanted to bad enough, I could start working my business today … but I would forecast my sales to be lucky of 1-5k$ per month GROSS if any at all. I ‘d say a more accurate forecast would be 1k$ or less … GROSS .. POSSIBLY NOTHING. I need the business support funding to thrive as fast as I can. Considering many variables not mentioned, it is smarter for me to get loan funding. Yes, I created the exact image that I wanted to create .. but your ( and or Verne’s) personal attitude created more than the image you explain … IMO … spoke through past actionsof yours. I’m not concerned with where I am and neither should most people be … especialy not you since I not only didn’t invite that conversation … but I actually attempted to avoid it. But eer’s a lesson: It’s about where you’re going .. not where you are.
Quote:
By Polonious: And when people play back in their posts how you’re coming across, you respond with anger and insults directed towards those you’ve asked to help–and the few who bothered to respond to your lengthy and fairly incoherent and repetitious posts. BOTH of your replies were not merited .. due to my already explaining in previous posts that were obviously not read. Then I had to repete what I said previously for you to realize that you were not reading, comprehending and acting maturely before you posted. <--Thats' why there is ANY repetition. FACE IT. And, both neglect apologies so far. Again, I'm not asking for one .. juts observing. I don't need your apology. It is simply a display of character that I observe. I amletting you know that you conveyy such lack of positive character to me and you may also conbvey such to others. BTW, here I am againa, explaining what should be obvious already due to pasts interactions. This is not for my benefit .. only yours. Maybe my posts were incoherent to you becaue you saw what you wanted to see and skipped over what you did etc. I just got out of a meeting with my local Economic Developement Center. For 2 hours, the woman understood everything I said and was very helpful/understanding/interacting/encouraging ... and I said the same that I posted here with elaboration that would obviously not change your reponses anyways. I am closer to getting my loan. I did this without any of the little help (Night-Star made the only contribution here .. and even that was just another forum link ... which I am greatful for but did not make much of an impact at this time) .. from anyone at this forum. Also, every consultant and loaner that I have spoken with on the phone (private, state, fedral ... SBA, SBDC, VCDLF, balh blah blah .. more) .. all understand me and help me and treat me with respect. It just so happens ... that the only lenders who have pre-qualified me want me to spend several weeks to develop and process business plan and loan application. I was told by several, that despite the odds due to my "status aforementioend" my business plan as I describe it seems to be thoroughly impressive and according to the industry track record I have provided and that I am likely to be loaned 15-25k$ .. but these individuals did express that they are one of many people in the process and there still is slim chances for me ... due to my "aforementioned status". Kinda contradictory, yes and no. They understand and are willing to work with me and express good quality of chance even if slim amount of chance. My reasons for funding are merited as well according those individuals ... and are eligible for lending. You know nothing about my business other than what I have explained. Statistics show in my industry and more importantly in my type of business within my industry ... there is a HIGH success rate. Not ony does my wholesale comany efelct this, but so do the statistic books that lenders viw .. which I have had an eceptional oppotunity to investigate due to some "connections". I projected gross revenue .. not pure profit. Once again, you're twisting my words due to how you want to see things ... and you're seeing them that way. I said that net profit could be conservatively guaged by taking 50% of gross. Not only is my business success rate HIGH but I am also seeming to be more capable than many successors of the past. I explained the responses of my brief describing and "convincing" of lenders. Read them again ... above ... in this post. Once again, I NEVER tried to convince ANY of you of ANYTHING. I asked if any viewer knew of POTENTIAL options that I don't know of or haven't persued. PERIOD. You and Verne have taken this thread into tangent from the specific subject. NOT ME, however I do admit full responsibility for feeding your posts with such responses .. even though they were in effort to stop such activity and to provide answers to your obvious misunderstands due to your obvious failure to neglect reading, comprehending, and responding maturely. Save yourself the time to object to that overt perception ... because it's true ... and that's it. Granted my REAL LIFE sitution is a bit complex ... so I can see why some irrational and or inexperienced persons may convey themselves in such ways. Funny how some of the real cons you accused me of being occasionally do a better job of getting positive reponses out of people similar to yourself ... by conveying less rational situations than mine .. in my opinion and from past expereinces. You don't have to restate that you suggested consulting with friends and realatives etc. Yes, I do have my reasons, and because I read and comprehended THAT VERY suggestion of yours THE FIRST time ... I already responded to it. You are repetitious with no merit. My repetitions were only existing to describe how you and Verne have obviously not been paying attention, reading in full, comprehending .. and instead seeing what you want to see.
Quote:
By Polonious: What I would do in your shoes is work and save. Get a day job, a night job, and a weekend job. In your spare time, start your business. An Internet-centered business costs little to start up. Get some assets. Get your business started. Demonstrate the concept is profitable. Show you’re capable of the hard work and dedication needed to make your own business succeed. Then you’ll be in a position to get help from others–or to run your business without that help. I already explained this in this post .. above … thanks though. I appreciate the attempt to finally suggest POTENTIAL OPTIONS (aka the FOCUS AND SUBJECT of this thread until taken into tangent out of my control). However, I have already thought of this and explained my reasoning. I am no different from the people that some of you may have helped greatly .. only my situation is. I am sure they appreciate your efforts .. and I commend you sincerely for the time you have been such great help. However, you saw what you wanted to see here. This is real stuff. You objected to the reality it is and obviously saw it as you wanted to. It wasn’t how I presented, it was YOUR reaction .. in this case. While I can consider your percentage of “failure to react properly” is probably less than when you do act properly … I still do not neglect acknowledging the way I have been treated .. poorly. I forgive, but I do not forget. Your “credit history” with me … as a repsectable and well thought out and caring/helpful individual is in the condition of POOR. I personally like my credit with people more than I like my credit score for finances .. JFYI.
Quote:
By Polonious: We’re here to help and, believe it or not, what’s been posted in response to your posts is meant to help you by showing how you’re coming across. You’re coming across as a loser, Brian–someone with big ideas and fanciful projections, but a loser with a history of failure, no assets, and a desperation for immediate cash–as well as someone quick to turn on those he’s asked to help if he doesn’t like what he hears. That’s the impression you’re giving off–and it’s not going to help you get others to trust you and loan you money, if that’s what you really want. I say that not to insult you–as I said before, I don’t know you. But that’s how you’re presenting YOURSELF here–and we’re doing you a kindness by letting you know that. Sometimes the truth is hard to take. LOL! I am currently attempting to help you and Verne understand your actions and why they are improper. “Believe it or not”. I have ben doing this ever since I have been responding to your posts. HAHA! You (refering to the two who are “we” according to you) didn’t help. “Believe it or not”. I already explained .. in my first repsonse to you .. that I know my adversities .. and I am not interested in repetitious reminders of the difficulties because I am interested in finding the succes route … period. You made the tangents totally off topic … you acted as if I was convincing you etc … you neglected and obviously still neglected to read and comprehend posts of mine … you sa what you wanted to see .. not what is … and that is why I HAVE TO repeat in order to explain your misconception hopefully due to only neglect of thought and seeing what you want to see and not reflecting on your personal intelligence. It’s not how much you know … it’s how you use what you know. Here I go again, repeating myself due to your lack to read and comprehend what I have already posted. I don’t need to be called names and be reminded of adveristies that I face every day. NEWS FLASH … EVERYTHING … STARTS WITH AN IDEA AND NOTHING MORE. THAT’S RIGHT!!! HELLO!!! When somebody said they wanted to walk on the moon … PEOPLE ACTED JUST LIKE YOU ACT TO ME. Guess what !?!?!?!… WE WALKED ON THE MOON!!! … AND WE TOOK ALL THE LEGAL STEPS AND NECESITIES TO GET THERE. Your car was made form an idea, you computer, your chair, ALL IDEAS that were inconcievable to many due to whatever personal narrow minded reactions and interpretations. They saw and heard what they wanted to hear and see … not the potential of the idea as it was. EVERYTHING starts with an idea! Your house … I could go on. Caner research!!!! There is thought of production of undewater tunnel to connect east North America to Europe for the inent to carry a VERY HIGH volume of travellers via magnetically guided and vaccum propelled trains!! Somebody ( and or a large group of people … the high IQs and lows .. and even some of the “thinkers” ) called the person with the idea … NUTS. To my understanding .. there has been a lot of funding and research and it is likely that it will be completed eventually … just like we went to the moon. What’s even more pitiful about how you (Verne and Polonious) have chosen to analze/interpret my posts … is that my idea is far more concievable than such past accomplishements in lifetimes for centuries and ones aforementioned!!!!! Yup, my idea is simple and very real and very understandable and sutuations are very real … and when I do succeed in the near future I will be one of many who have once been in my position and succeeded. Check the histories of some of your favorite successful people and speakers etc. If you dig deep enough, you’re likely to find such circumstances as mine .. or adversities of equal value … with the worst commenst made to them being from people who reminded them of why they couldn;t do what they later did. In fact, the reason why this forum exists … is because a man overcame a big debt situation despite all adversities. Hello!!!! When you bash my circumstances and CHOOSE to view them as you do … you bash others who have been in similar situations of adversity. They will also tell you, the last thing they needed was to be reminded of what they don’t have and what obstacles they faced … and what they needed was what they researched and asked for … which was their potential paths to succeed and overcome. You give yourself too much credit for any kindness (very little). You neglect to apologize, you made rude and uncalled for tangents and accusations rather than treating me fairly and sticking to the subject at hand!!! You neglected to meet my requests to stop such rediculous actions. THAT IS THE TRUTH. You need to face it. Your idea of trying to justify your actions as some cort of distorted truth is WRONG. You are humanly mistaken. I forgive you, but I don’t forget. Read what I said above about the way lenders and private, state, fedral program reps are reacting to me. This contradicts your every word. Thanks for the “good luck”. I understand that is an expression, but there is no such thing as luck … there are causes and results. I know what you mean though. I will cause my success. Thanks for the intent, whether the statement was to cover up your contradicting posts or not … I accept your positive comment. Furthermore, this thread has proven to be virtually useless and a waste of our time .. unles you have learned something from me .. because you two only rminded me of the certain train of thought that exists for some people. I do not encourage there to be any more responses in this thread … unless you have some sort of idea of exactly how I can get funding of any value .. that I haven’t already expressed as an idea of mine. Actually though, per my meetings on phone and in person with helpful individuals, I think I have identified all potential sources/options .. so I got my answer to the subject fo this thread … and this thread never got even close to helping.Now, I just need to persue. Yes, I have helped myself get hklp from people who choose not to be so rude and see me how they want to see me. Your reponses could be compared to how black people were often treated during times of segregation. The white people who condoned segregation saw what they wanted to see in the “colored” skin … and not what was/is. Sad. If you even think of challenging the TRUTH of my posts, you must know you’re wrong. So, stop. You’re wasting bandwidth and your time. You’re further feeding negative thoughts that are sometimes present in all humans. Do yourself a favor and stop. My sincere best, Brian This tangent discussion is over. If you are going to post in here at all, to my understanding there is nothing left to contribute that would be on topic at all .. because I have answeed my own questions and or found others to help. IF you think you know of a potential option for me to source funding tat I don’t know of and that hasn’t been discussed int his thread .. then please feel free to contribute. Thanks!

“Let’s work together, because to gether we will stand”

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Author: Free
Joined: 15 Sep 2004
Posts: 17
Posted: Fri Sep 17, 2004 3:05 pm

Verne wrote:
Free, I’m sorry about the tone of my last post. I had an exceptionally rough day - friend died, both toilets malfunctioned on the same day, and I went on a bender. I discovered this morning that I had also sent out a flurry of angry emails. Good luck on your venture. VerneJust saw this post of yours Verne. My statements above still stand, however .. I accept your post sincerely. It was difficult for me to understand the differences that are clear in your first and second post. However, you spokle somewhat from what you really felt, and you were just angry enough to elaborate and possibly add to it. I inderstand. I have experienced death of “close ones” more times than I’d like to count .. and I used to have horrible days due to many variables. Here’s a tip: Consider all of what went right on these days and realize that all the negative does not even deserve your attention unless it is to motivate you to act positively. Think of all good times, not the bad .. and or think of the good that came form the bad. You are a wonderful individual. Deep down, everyone is. Read” The Magic of Thinking Big. Great book. I have read it 2 times now. It has really encouraged me to know that any successful train of thought that I naturally had, which is taught in the book, is not wrong or unrealistic .. but essential to quality of life, success and it heklpd with EVERYTHING. Life is what you make it. EVERYTHING is majorly caused by thought. It’s really true. Thanks for the positive reinforcement!! again .. my sincere best,

Brian

“Let’s work together, because to gether we will stand”

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Author: Free
Joined: 15 Sep 2004
Posts: 17
Posted: Fri Sep 17, 2004 3:24 pm

Free wrote:
Verne wrote:
Free, I’m sorry about the tone of my last post. I had an exceptionally rough day - friend died, both toilets malfunctioned on the same day, and I went on a bender. I discovered this morning that I had also sent out a flurry of angry emails. Good luck on your venture. VerneJust saw this post of yours Verne. My statements above still stand, however .. I accept your post sincerely. It was difficult for me to understand the differences that are clear in your first and second post. However, you spokle somewhat from what you really felt, and you were just angry enough to elaborate and possibly add to it. I inderstand. I have experienced death of “close ones” more times than I’d like to count .. and I used to have horrible days due to many variables. Here’s a tip: Consider all of what went right on these days and realize that all the negative does not even deserve your attention unless it is to motivate you to act positively. Think of all good times, not the bad .. and or think of the good that came form the bad. You are a wonderful individual. Deep down, everyone is. Read” The Magic of Thinking Big. Great book. I have read it 2 times now. It has really encouraged me to know that any successful train of thought that I naturally had, which is taught in the book, is not wrong or unrealistic .. but essential to quality of life, success and it heklpd with EVERYTHING. Life is what you make it. EVERYTHING is majorly caused by thought. It’s really true. Thanks for the positive reinforcement!! EDIT: I realized that while I may have conveyed this, I did not actually clearly state … my sincer condolences for the unfortunate circumstances you dealt with. again .. my sincere best,

Brian

“Let’s work together, because to gether we will stand”

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Author: Verne
SENIOR MEMBER (Member for 2 yrs.+)
Joined: 14 May 2003
Posts: 488
Location: Midwest
Posted: Fri Sep 17, 2004 3:28 pm

Free, I’ll check that book out. I’m interested in changing my thought life or repatterning my brain. Our thoughts and behavior actually change the chemistry of the brain. This is touched upon in the film “What the Bleep”. I read a review, didn’t actually see it yet. Bad habits and negative thinking or a false “need” to feel a certain way create pathways in the brain. The longer they are indulged the deeper the pathways become. there’s plenty of scripture that supports this too, “think on these things…”, “be transformed by the renewing of your mind” etc…

Verne

Any agreement that can be changed at any time, for any reason, is no agreement at all.

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Author: Free
Joined: 15 Sep 2004
Posts: 17
Posted: Fri Sep 17, 2004 3:37 pm

Verne wrote:
Free, I’ll check that book out. I’m interested in changing my thought life or repatterning my brain. Our thoughts and behavior actually change the chemistry of the brain. This is touched upon in the film “What the Bleep”. I read a review, didn’t actually see it yet. Bad habits and negative thinking or a false “need” to feel a certain way create pathways in the brain. The longer they are indulged the deeper the pathways become. there’s plenty of scripture that supports this too, “think on these things…”, “be transformed by the renewing of your mind” etc… Verne

YAY!!!!! A genuine positive connection and interaction in this thread!!!! I literally cracked a smile on my face from this post of yours .. and my heart was sincerely feeling warmth. Exceptional insight you have their. My advice, which you could probably already figure for yourself … is to not forget about the truth of that insght and to “run with it” .. FAST!!!!!! If I were an over-emotional type … this simple post of yours could initaite my personal tears of joy. This is why I am focusing on personal development products too. Unfortunately, I need to make money off of the products … but I am always willing to explain the content for free and positively influence individuals … and I will be teaching others how they can make great amount of money … if they wish … and providing them with sme optional “vehicles” that cater to their peronal preferences … and not just thought and realization etc. I really do not want to explain more though because I promised I was not here to do that .. and I’m not .. but you get a general idea that this is a neverending passion of mine. Good for you!! It really is a great book!!! I am finishing it for a second time (I read 1 chapter every morning) .. and I bet I’ll read it several more time in my lifetime. I understand what you mean about scripture. I have been quite an avid study at times. I have found that you need to be very careful about how you relay such messages though. I have found it to be most bemneficial if you neglect to mention the teachings as scripture and do your best not to force any faith on to somebody. Just a reletive tip. This works for any religion. Like I said before, I am sure you all are very fine people deep down .. as we all wer born pure .. just he same. Certain causes effect how we act in an instant. The trick is being better at controlling the causes … and knowing how to use proper control etc. Vuage, but I could elaborate and continue. Bleh.

Again, my sincere best,
Brian

“Let’s work together, because to gether we will stand”

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Author: Ira
SENIOR MEMBER (Member for 2 yrs.+)
Joined: 19 May 2003
Posts: 759
Location: NJ
Posted: Fri Sep 17, 2004 5:25 pm

My goodness, what’s going on here? Brian unless you’re the world’s fastest typist you seem to spend hours and hours typing your posts on this humble board. How much time does this leave for the other essential parts of your life and your quest for funding? I mention this only because, much as I love this site, I don’t think it’s where you’re going to find access to the type of financing you’re looking for. I’m a great believer in an economic theory called, “the alternative cost of time and money.” The one sentence primer asks a simple question: Could you be more productive with your time if you were doing something other than what you’re doing right now? In your case I would have to believe the answer is a resounding “YES!” There’s also an old saying which goes something like, “If you’re so smart, why ain’t you rich?” However, I’m also reminded that Abraham Lincoln failed in business three times prior to being elected President. Any ideas?

Do not let what you cannot do interfere with what you can do.

Ira

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Author: Free
Joined: 15 Sep 2004
Posts: 17
Posted: Fri Sep 17, 2004 6:18 pm

Heh, I still have topic reply email notification on. Your post makes great sense and it agree with my final conclusion. However, right now there is a tornado warning and all busines are closed for the day due to warning adn the fact that it is 7:15 pm. I do type fast .. and I manage time well. I get up at 5am … and go to bed around 8-9pm. This allows me to get many things done .. and have spare time to post on forums if I wish. I do agree with you though, like I already mentioned before and after your post. Thanks. This thread can really just end now. I am only feeding it in bordem at the moment .. from 16 hour days all week … constant work and research … and from poor weather. Although, I have an untouched business development software thing to learn with and a lot of info to read from various sources … so I was doing that when I got the topic reply email. Bed time soon. Early morning workout tomorrow. Peace, love, granola. I got it. EDIT: Thought I’d add, I am not so sure what this was supposed to mean:

Quote:
By Ira: There’s also an old saying which goes something like, “If you’re so smart, why ain’t you rich?” However, I’m also reminded that Abraham Lincoln failed in business three times prior to being elected President. Any ideas?If that was meant offend me in any way … you really should rethink it … especially after all of the rediculous and unmerited bashing I have obviously weathered throughout this thread … but in good faith … I’d hope you meant something else .. but I am still not sure what. In answer to your question about “any ideas?”: I’d say to give you an anally thorough answer it would constitute naming iitemizing and analyzing variables. To give you a general answer that may fit I give you a “two fold” reponse: 1) I already mentioned a phrase: “It’s not what you know, it’s how you use what you know.” It’s not just about smarts … and often has nothing to do with smarts. 2) Maybe Abe wasn’t as smart as some would have you believe. _________ If you ask why I am I not rich yet … I’d say …. I am rich in many ways … but I am not financially “rich” at this time because I am on the verge of such realization and such a feat is a short time away from achievement. Then again, who defines “rich”? The definition is reletive to the individual. I also mentioned this in previous posts. “Toodles”, “I feel happy, oh so happy, it’s alarming how happy I feel” … lol. Peace, love, granola.

Brian

“Let’s work together, because to gether we will stand”

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Author: Polonius
Credit Expert (100+ Posts)
Joined: 19 Jan 2004
Posts: 381
Posted: Fri Sep 17, 2004 10:38 pm

Where to begin a response? Brian doesn’t want to work for someone else because corporations expect you to stay with one firm for life and leaving after getting a nest egg together is highly unethical. Brian doesn’t want to spend three weeks writing a business plan because that’s three wasted weeks; he wants to succeed today, not a month from today. Brian feels those loan officers who are paid to be polite to applicants are much nicer than the people here. Probably true–but that won’t help in getting a loan. What about us? Well, we’re too negative or too insulting or read too carelessly. Brian welcomes constructive criticism, but hasn’t seen any here yet. If we really wanted to help Brian, we’d show him some new ideas–some new way someone with no credit history, assets, or business plan can get loans to finance a motivational business. Suggestions about working and saving to get a startup nest egg aren’t constructive to Brian; he wants the cash and success now, not a year from now. Even the Blue Book figures for his two cars are half what his cars are really worth, in Brian’s eyes. Brian doesn’t want to think negatively. He has self-help books telling him that if he imagines success it will come to him. We old unhepful fogies don’t think the world works that way, but that just shows that we don’t get it. We never went through the pie-in-sky thinking that Brian exhibits. We never tried such schemes and saw how they fared. We never read those books or thought like Brian when we were young. We’re just old, insulting, unhelpful fountains of negativity who don’t qualify to post here, since we insult Brian by disagreeing with him and by not responding to every nuance of his posts. So I’m out of this thread. I think my forty years of success as a self-employed businessperson and my decade as a moderator for a business bulletin board elsewhere gives me some experience, knowledge, and good judgment that can be used to help others. But I’m obviously misguided since I can’t help Brian without insulting him in his view. No point doing that.

Good luck, Brian.

Polonius

“Neither a borrower, nor a lender be; For loan oft loses both itself and friend”

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Author: Free
Joined: 15 Sep 2004
Posts: 17
Posted: Sat Sep 18, 2004 4:37 am

Polonious, While some of your statements are somewhat acurate … (since you are repeating what I have had to repeat for you several times in this thread due to your not sticking to the subject and not reading and comprehending postsn before) however you are also stating half truths of the full that I have already explained. Some of your few contstructive suggestions, I politely thanked you for but mentioned I had already thought of or known of and this thread was for new ideas. I see some of thr rationale of the several more time consuming options that I have … because sure .. it is an option and an option that will help with my goals is much better than no option at all. I have simply stated that persuing those options is not a priority. I am only prioritizing persuing something that is quicker and more “hassel free”. I have said that I will persue the other options if I need to or should … but those are last resorts, not the subject of this thread, and I already stated it many times. Your saying that the people I have interacted with who have been positively helpful and understanding only do so because they are paid to … is quite ignorant … and seems like some supposed “all-knowing” attempt to substantiate your actions since theirs must be fake. Once again, your thinking about things ow you see them .. not how they may actually be. Some of the people I consulted with were actually personal acquintances from friend connections who were off of work and ready to bash me and my ideas with “realism” if they so saw fit. They started to and realized that I had more answers for their questions and knew more than they initially judged. They apologized, complimented .. and further supported and helped. Once of these people was a lender. Once of them was a small busines consultant for minority and women … which I am neither … so she wasn’t consulting with me to get my business at all. Don’t try to act like you know everything … even though I am sure you have a lot of accurate insight to share. Be careful about the “us” comment. You are now the ony person in this thread who has shown the specific character that you describe and that you exemplify still in several ways. I never ragged on your personal life at all. I do understand that I may have mentioned a difference in thought and experience of some successful people. Maybe you found success without thinking such ways and helping people in such ways .. but maybe that wasn’t the best way for you to succeed etc. I commend you on whatever you have overcome and accomplished and whoever you have helped in life … sincerely … so … well done. Once again, this thread was not about any of this. I am not only instructed by the books mentioned, but by the people who stand behind those books with great testimonial and proof of what those methods have done for them. I know of several multi-millionaires who personally told me to read such things because that’s what helped them the most. However, while I know the busines side of those people .. 1) they know less about me than I know about them 2) we are not very personal with eachother on a daily basis 3) they live quite far away so it’s difficult to have very productive consulting with them .. and I am not permitted to call them at any time with my personal issues … so they are not somebody to ask for loan support from. Once of them who is maybe more apt to being helpful … would be greatly offended because I would be turning down his biz offers to work with him and asking for money for my ideas to compete with his … like stated before. About the cars, well, I thought it was common knowledge that market value for rare vehicles is often more value than blue book. Once again, “I never ragged on your personal life at all. I do understand that I may have mentioned a difference in thought and expereinced of some successful people. Maybe you found success without thinking so and helping people in such ways .. but maybe that wasn’t the best way for you to succeed etc. I commend you on whatever yoiu have overcome and accomplished and whoever you have helped in life .. great job. Once again, this thread was not about any of this.” I understand you’re trying to substantiate yourself for the way you gave me advice … butthe fact is that it was a specific tangent off subject and rude inor all of it would have never hapended if you read, comprehended ans stuck to the subject instesad of skimming things over and seeing how you wnt to see them. You know this. You have neglected to acknowledge this and to apologize as a true display of your character in this case whether or not you “normally” don’t act such ways. Well, you’re sure acting so now. I’m not sure that your positive closing remark was sincere at all, especially followed with the rolleyes … but I sincerely thank you for it anyays.

My sincere best to you and yours,
Brian

“Let’s work together, because to gether we will stand”

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