Wednesday, September 30, 2009

THE MONEY & MUSIC SHOW - Know your Consumer & Investment Basics, featuring " KIZA SOSAY" and the HEATMAKERZ " AMEER"


Hey People!

This show was another banger. If you haven't gotten the chance to hear it you need to definitely take a listen. As usual we dropped some serious heat along side of some serious industry insight and marketing and financial tips.

MONEY & MUSIC SHOW - GET YOUR FINANCIAL TIPS RIGHT HERE! for another heavy session on how to take your business & financials to the next level.

This weeks marketing topic was "Know Your Consumer"

Targeting Your Market
Imagine practicing archery with your eyes closed or throwing a football with a blindfold on. In both cases, being prevented from seeing your target would make it nearly impossible to hit it. This concept can easily be applied to business, as well. Doing business without knowing what your target market is will prevent you from reaching your objectives: increased sales, market share or brand awareness.

Where the blanket approach of mass marketing was touted by marketing professionals of years past, today's industry experts are singing the praises of one-to-one, or relationship marketing. And rightfully so. Today's consumers, as you've heard many times, are savior than ever before. With access to nearly any piece of information they want via the Internet, consumers don't want sales people spouting off scripted presentations. Rather, they need advocates who are willing to help them find real solutions. How can you do that? By learning who your customers are; by finding out their real needs; and by offering them tailored products and services that work for them. The first step in attaining those lofty goals is to choose a customer base that is appropriate for your business.


I.Identify Potential Customers
II.Conducting Market Research
III.Choosing a Target Market
IV.Compiling a Customer Profile

I. Identify Potential Customers
There are two types of customer groups that you can target: individual consumers or other businesses. Individual consumers are some what more difficult to target because they are diverse and unpredictable, they typically have small individual budgets, and their buying preferences may change as they age. Businesses as a target market tend to be fairly stable over time and have large budgets to spend on various products and services.

II. Conducting Market Research
There are many sources of market research — much of which is free of cost — that have already been compiled that you can draw from for basic information about your prospective customer group. Search the Internet and your local library for studies and data that have been gathered for your particular industry.

III. Choosing a Target Market
After you have conducted a sufficient number of surveys, compile the results to determine which markets make the most sense for your business to target. Ensure that the market you choose:
has easy access to your products and services, whether it is by visiting your store, or ordering by phone, fax, email or your Web site
is not inundated with other products and services that are indistinguishable from yours is willing to pay a price for your products and services that allows you a reasonable profit margin

IV. Compiling a Customer Profile
Just as a mission statement guides the operation of your company, a customer profile will guide your sales effort. Develop an overview of your target customers so that you and all of your employees are clear about whom you are selling to.

Investment Basics, 101

On this week's segment "Ya Financial Partna" "Money" Mike, did his thing as always, but instead helped drop some basics to beginning your Investment Plan. He stressed the importance of understanding, 3 Basic Principals about your self and what your Adviser needs to know about you, when setting up an investment program. As always, he Keeps It Simple (but stressed you are NOT Stupid! when you ask Questions, but instead WISE) and should always ask Questions when you don't understand something, from any professional. This is Rule #1, make sure you understand what someone is telling you before you do anything with your MONEY. You know how hard it is to make that dollar, so it should be just as hard to ever lose it. So protect yourself and understand the basics of Investments, and those that don't ask the same of you, well you know where to RUN, you got our email:, and "Money" Mike will continue to be a resource for us. So if it sounds smelly, find out first shoot us an email or call in.

When determining your overall investment objective, you must carefully consider your response to three key questions. Let's take a look at each one in order.

1. What's the purpose of the investment?

In other words, why do you want to invest your money in mutual funds? Are you going to use them as a substitute for a traditional bank savings account? Do you want to accumulate money for retirement, your child's education, or a down payment on a house? Or are you trying to supplement the return from a risk-free investment vehicle such as a bank certificate of deposit (CD)? Be specific when answering this question. You may find that you have more than one purpose for investing. If this is the case, you must think about the amount of money that you want to allocate for each purpose. Because there are few single mutual funds that can successfully satisfy multiple investment objectives, you may be looking at the possibility of investing in several different funds.

2. What's your time horizon for the investment?

How long do you intend to leave your money invested in a fund; or, over what period of time do you plan to continue investing regularly in a mutual fund? Again, it's important to clearly define your answer. You must consider your own age when establishing your investment's time horizon. Generally speaking, the younger you are, the more growth-oriented your investments should be. Because your time horizon is long, you can withstand the inevitable cyclic downturns and profit over the long term because historically the investment markets have always moved higher. As you age, you should periodically adjust the mix of mutual funds in your portfolio to favor more conservative funds that focus on the preservation of capital and also possibly provide a steady stream of income. Adjusting your investment to fit your age is a dynamic process. Regularly- scheduled reviews (quarterly, semiannually or annually) are essential to maintain the proper mix of funds in your portfolio.

3. What's your risk tolerance?

How much risk are you willing to accept in return for a potential gain? Many investors assume that because most mutual funds are diversified, they're not subject to price fluctuations that are as great as those of individual stocks. Although this may be generally true, a specific fund's volatility could still be somewhat substantial. Some people can tolerate market drops better than others, and it's undoubtedly more distressing the older you get. If a 20- or 30 percent drop in the value of a particular mutual fund would disconcert you, then seek out a fund with less volatility. If you already own several funds, adjust the money you have allocated among them so that your overall risk is lessened. Or you can simply place your money in safer or risk-free instruments. Your goal in determining your risk tolerance is simple: to have as few sleepless nights as possible.

If you fail to clearly define your investment goals first, you increase the possibility of choosing a mutual fund (or whatever type of security you're interested in) that's less than best for your needs. Once your own goals are clearly in sight, you'll be able to match your investment purposes, time horizon, and risk tolerance to the specific characteristics and objectives of the fund that's most appropriate for providing the returns that you desire.

Now, do you need help in determining your Investment Profile, well we wouldn't be Money & Music if we weren't here to guide you in the RIGHT direction, so use this link and find out your Profile, TODAY!!!

Till next week...

"It's not how much money you make, It's how protected is your money"

Tuesday, September 22, 2009

The Value of your Support System & Savings

Money Mike & Cool V, enjoyed this week's Money & Music Segment because the majority of the session was blessed by the trials and tribulations of Two Hott!! New Artists, Wordsmith & Acafool. Talk about serious industry artist insight, these to pro's just hit a home run for all you up & comers that need to hear it first before you Jump In & Swim or sink. So with that said, let's let these two artists break it down for you so you'll be free-styling to the finish line, like Michael
Phelps golds in hand.

Click Below & Enjoy the Money & Music Show
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MONEY & MUSIC SHOW - GET YOUR FINANCIAL TIPS RIGHT HERE! & open ears listen in closely and take serious notes.

Now if you don't believe us!!!

We Appreciate YA!!! ACAFOOL, keep on acting like you do, cuz sho no FOOL!!!

So Check out his new video right now, "Let's RIDE"

What a night, WORDSMITH along with Acafool came in and dropped some heavy so we gotta reciprocate and give you a little sumtin sumtin as he climbed up the charts and gave us some true hip hop, with some "True Old School to the New School", "it's for ya car" enjoy!!!

Now if you want more MUSIC from these PhotobucketYou'll have to Google them or visit their websites, download their music, enjoy their video's but most of all listen to their wise words of wisdom heard here first on this week's Money & Music Show.

The Value of Your Support System

This week's focus was to make sure we recognize the value of those you surround yourself with and the importance of your Support System. Wordsmith was able to touch upon knowing everyone's role and the strengths and weaknesses on your team. The importance of recognizing that you as a business owner, artist, or independent contractor are the "Brand" and that means that you are also the CEO, BOSS, President, or BMOC for that matter. So all decisions you make need to be evaluated from the standpoint will they influence and better yourself to getting ahead at what you do. That will mean making sure all those on the team represent and provide value to bettering the team.

All too often, we see one rises to the top very quickly being led in different directions, yet forgetting how they got there. When you as the Boss are now being told how to act, what to do, where to go, what's right and wrong for you, should you take a step back and ask yourself is that what I really want? This is where being in control and taking advantage of the various talents of our support system is so influential to success. A word that comes up but yet many times all too often forgotten is that of being "humble". We use to call it "keepin it real", never selling ourselves out to the almighty dollar or fame. Realize that as quickly as you go up, is as quickly as you can come down. So take it upon yourself and educate yourself on the business your in, don't rush to make decisions, ask questions???ask those with experience???and successes???ask the same from your team???

We all need support, and when they say there is no "i" in "we" what the are saying is, with every success story there was a support system to follow from family, mentors, teachers, industry experts, and most of all specialized talents on your team. It is impossible to be an expert on all things, we say the ones who know everything, don't know anything. Imagine having a team of all Michael Jordan's vs. the team of Wilt Chamberlain, Bill Russell, Magic Johnson, Larry Bird, Oscar Robertson (for those that don't know Oscar, pheww!!!....,Old to the New School,okay will say Lebron James/Kobe flip a coin). The point is which team will win? Imagine having the greatest players on your team, in their particular specialized roles. Even though you may do one thing great and you are a special talent, understand your role on the team and take advantage of the roles of your Support System have the strongest marketing team, accountants, attorneys, financial advisor...etc..etc...

"TRUST" is always the hardest thing to find in people. This is something that will take time to build through trials and tribulations. You are the boss & you control your destiny, so make sure with every decision made you evaluate those decisions from every angle you can. So learn your profession and study up, and most importantly evaluate your Support System each and every one of them, study their expertise & learn from them, but make sure you can feel it in your gut, look in their eyes, look to past experiences, and see if your Support System really "Cares" about "You" and your success. Remember your success is their success and their successes can be your successes, so stay humble and keep it real with your team and those in your everyday passing.

Remember, Success Breeds Success, you are Guilty By Association. Like our boy Acafool says' "YEEEAHHH....Keep your Hatablockas ON!!" now it's time to Get ya Savings ON!!!



Now You know "Money" Mike ya Financial Partna always on your side, only drops the heavy and in this week's discussion he wrapped up a few tips in little time, but instead said he'd pass along some tips via blog, right here!! that we all can benefit from. So this is what he sent us, in a 1,2,3,4

Emergency Reserves: Before you start investing in your business or your retirement plan, take care of the basics, make sure you establish 3-6 months of Salary in a Savings account with a local banking instituition, credit union, or with your advisors brokerage instituition with a Money Market Account or Fund. They recommend to make sure for that rainy day, furnace breakdown, car breakdown, unforeseen circumstances in life you have available before anything else LIQUID Cash Reserves of 15-20% of your Income or 3-6 Months. THAT GOES FOR ANYONE READING!!!

Saving Accounts can be:
1. Savings Account with a Local Bank, Commercial Bank, Credit Union, Savings and Loans Association, or Brokerage Company
2. Look for Accounts with NO PENALTIES for withdrawals anytime
3. Shop for Accounts with the Highest Interest rate & ask if there is a
Term or a necessary Time Frame the money has to sit there, BE
CAREFUL on FEES & Early Withdrawal Charges, ie... CDS
4. Ask are they Safe, who Insures or Guarantees your Money?
Remember FDIC insures up to 250k per account, so DON'T!!! have
more than one account with a bank of over 250k, be sure to set up
another account if for whatever reason you decide to have this much money in any one bank.
5. Will your money be accessible online, ATM, or only during bank
hours, you ALWAYS want make sure you know where & how you
can get your money at all times.

So now you got your p's & q's on what to look for with your Savings, if that isn't enough go to this SAVINGS BASICS site:

As always you know how we do be sure to tune next week & stay ahead of the competition & Remember Hustlers get ya M&M Shirt before them Haterz Do!!! Click & GET IT right right corner, why wait?

Tuesday, September 15, 2009





Business & Presentation Skills, Image is Everything!!

Wow, you would think on the first night of Monday Night Football, what could be better, well if you missed it, this is one Show you don't want to miss, so make sure you push the Play button and Rewind, and learn from some of the industry's heaviest hitters. A big thank you to our special guests, Big Ken from Rapstarz Promotions, B.A.M, Hakim Green, Agallah, and Big Wade.
So if you missed the Money & Music Segment, as always WE GOT YOU!! Click "HERE" & learn from something from these seasoned vets.

This week's topic focused on "Image" and the fact that presentation at all times must be recognized, no matter at the corner bodega, elevator, board room, or in the studio. Michael Jordan was one of the masters of recognizing every situation is an opportunity, from his press conferences, practice sessions, or just playing golf. He made sure when the camera was on, so too was his A game, recognized as one of the all time greatest basketball players, he too was a Marketing Dream Come True, and he sure knew it. Michael always understood that being in the public eye came with responsibility, but more importantly the opportunities that could follow with Endorsements and business opportunities alike.

Unfortunately, we have seen just in the last week some very talented people become a Marketers worst nightmare, from Serena Williams to Kanye West, so this week's segment instead focuses on being the best for the long haul, you must be the best on and off the field, studio, office, or your place of business.

Business & Presentation Skills, should be a way of life for all entrepreneurs, realizing at every moment you never know who you may run into at any given time. "Money" Mike gave a very simple but yet overlooked tip, that every professional should write down and memorize. When someone asks you the question what do you do? The typical response is, I am a rapper, promoter, attorney, adviser, etc..etc...But when someone asks you the same question, what if they don't like Rap or Attorneys or Real Estate agents...or whatever your particular profession involves. How far do you think the conversation will go?

So instead, write down a two line "elevator script" on what you really do and memorize it, so the next time someone asks you what do you do? Your response may look like this, " I am an artist that expresses my experiences through my music" or "I help artists and musicians market themselves and their music in a way that people will want to hear more" or " I help people protect themselves and their loved ones so they won't have to struggle". Now of course these are just generic examples, you have to design one that really says what you feel you do. The point to this "elevator script" is to engage people to want to know more about what you do and wanting to learn more about YOU, without letting the typical stereotype get in the way. This simple tip may lead you to a possible five minute discussion, a meeting, or better yet your next future deal.

Business & Presentation Skills

The material of your presentation should be concise, to the point and tell an interesting story. In addition to the obvious things like content and visual aids, the following are just as important as the audience will be subconsciously taking them in:
Know your Audience- If you are going to be meeting with kids in first grade do you want to act like your going to the boardroom? Take this same scenario and flip it, do you want to walk into a board room with professionals and act like a First Grader?

Your voice - how you say it is as important as what you say.

Body language - a subject in its own right and something about which much has been written and said. In essence, your body movements express what your attitudes and thoughts really are. You might like to check out this web page

Appearance - first impressions influence the audience's attitudes to you. Dress appropriately for the occasion. Understand that demeanor and confidence can go a long way, while making sure you recognize the moment/opportunity. Eye contact, posture, are important, but most IMPORTANT, BE ON TIME!!! "Fashionably Early" is IN & as the good ole saying goes, "The Early Bird always gets the worm".

- Come prepared, bring pen and notepad, do your homework & know your audience (know their background, know who they are, what they do, what their accomplishments are, GOOGLE THEM). Prepare the structure of the talk carefully and logically, just as you would for a written report. Practice beforehand what you want to say and how you want to say it. Record yourself or watch yourself in the mirror. Remember Perfect Practice, makes Perfect.

What are: the objectives of the presentation or meeting & the main points you want to make?

Finally ... Enjoy yourself! The audience will be on your side and want to hear what you have to say! just Be YOU!!! People want to know you, what makes you different, what makes you special, and why would anyone want to do business with YOU.

Remember, to always ask questions, your lasting impression is your OPPORTUNITY. So take interest, listen, and NEVER NEVER ASSUME!!! Never pre-judge a book by it's cover, if you don't know someone, you don't KNOW them, so DON'T ASSUME because of their look, talk, accomplishments, that you KNOW. You NEVER know someone until you know them, so get to know People from all walks of life, it's how you can learn too, how NOT to make the same mistakes they made. Success breeds Success, so build your successes using the wisdom, tools, and the people, life presents you with, allowing you to reach your Goals and Dreams faster & wiser.

Ya Boy Boyee
"Cool V"
The Industry Insomniac!

Ya Financial Partna
"Money" Mike

Tuesday, September 8, 2009

Visibility is key to Success? Rent or Own?

Well if you were enjoying your Labor Day with family and friends, we understand completely, always know family comes first. However, for those that missed the Money & Music Show, this week's segment continues to prove why Money & Music will be around for long time coming.

First we want to start off by thanking our special guest, a young humble, hard working, banging new artist, STEVIE STONE!!! This "New Kid Comin" is about to make serious moves on the scene, and it's been a long haul for him as he explains, if you missed the:

Money & Music Segment, as always WE GOT YOU!! Click "HERE"
& learn something on how to step your game up.

Stevie was able to shed light on what has gotten him to the point he's at in his career, and provide advice to those coming up the things you have to do and how patient you must be. Like he says, in his first Single, 7 years!!! If you don't know who Stevie Stone is yet, you are about to learn ya sumtin real quick, because his music is a sure "HeadRocka".

Stevie Stone - "Wait A Minute" Official Music Video

Check him out in a city near you as he joins forces on the K.O.D. Tour starting in October visiting 45 cities, with the likes of Tech N9ne, Glasses Malone, & Slaughter House.

For more information & tour dates, visit his official :

Here a few songs coming out on his soon to be released album in October 2009, enjoy!!! DJ's, CLUBS, be the first...

"Wait a Minute":
"HeadRocka ":
& one of our favorites, but we are only allowed to give ya snippet, you'll have to Buy the Album, Stevie Stone & Tech N9ne:
"Midwest Explosion":

Cool V & Stevie, laid down some heavy knowledge for all you up & comers out there. In any business, it's not easy, and it's the sacrifices you need to make to get ahead, as Stevie put it & all successful athletes understand this, your "Footwork" will determine how far you succeed. When people talk about being on the grind, what do they really mean? What they are saying is it's how much effort and work are you putting in everyday, every hour, every minute, to getting ahead, and what are you doing differently than the next.

One of the most important topics Cool V stressed to being successful, is VISIBILITY. Are you visible in what you do???

There were seven points touched upon on making sure you are Visible.

1. Launch an event – An event can be as small as a dinner party or as large as a banquet. Events create publicity and give the news a reason to mention your business.

2. Business gifts – Business gifts are a constant reminder to people long after a campaign has ended or an event has been held. Give out useful items as small as pencils and pens, mouse pads or coffee mugs. This will allow your company’s name to be seen all the time – by the person who received the gift and others around them.

3. Charities – Even if you do not hold or launch a charity event, it is enough to just be involved. Donate money or be involved in collecting donations. This will help increase visibility in your community as well as show the community that you care.

4. Get online – Online is a great place to increase visibility. Community visibility is important, but being online can help build your consumer base beyond your hometown. Create a webpage that is very informative to your customers. Get your business name into every forum and blog that applies to your business. Create your own blog if you have the time. If you write articles about your service or product, post these on your website and allow other websites to use them. All these things will make it more viable for potential consumers to come across your business name through a web search.

5. Newsletter – Send out an online newsletter to your customers. If you give customers something to talk about, they may relay the information you are giving them to friends. So, in a networking fashion, your name can be spread and become better known to the community.

6. Local newspapers – What better place to receive visibility in your community than your local newspapers. You can get your company name into a newspaper buy writing an article, being mentioned in a story, or writing a letter to the editor.

7. Give speeches – You’d be surprised how many other businesses, organizations and clubs need people of expertise to share information. This establishes your expertise and credibility while at the same time promotes your own business. Research clubs, groups, the local chamber of commerce and organizations often look for speakers with expertise in interesting and informative topics.


Now that you got the keys to getting out there and making yourself VISIBLE, it's important that you understand that with fame and fortune, there is always a price to pay. Unfortunately, over the years we have seen so many make the wrong Financial Decisions along the way, and it's where "Money" Mike continues to drop serious financial information to make sure you too don't make the same mistakes others have made. This week's Financial Topic focused on giving you the keys to Rent vs. Own. And the many misconceptions we have been taught over the years about owning a home, and what it really means. Sadly to say, those misconceptions, lack of education, information, and understanding has put this entire country in very difficult times as discussed or seen in every neighborhood in the US.

We were told that owning a home was the "American Dream", it was a sense of PRIDE and Statue. Over the last decade, banks and government made it easy for people to buy homes, they even encouraged us to go out and become a FIRST TIME home buyer. They can sit in their meaningless sessions on Capital Hill, pointing fingers at each other, but go back to the tapes and legislation passed to make sure people who couldn't afford a home, would have the financing available to buy home.

This discussion is and can be a long one, but instead we chose to provide you with a 9 minute Excellent Video on understanding the Basics to Renting vs. Owning.

Now look around us, look at all the 15 million foreclosures and families now struggling to carry those (Criminal-like Mortgages/Loans) while no one is hanging the politicians or banks for allowing these type of loans.

ARM (An adjustable rate mortgage (ARM) is a mortgage loan where the interest rate on the note is periodically adjusted based on a variety of indices.[1] Among the most common indices are the rates on 1-year constant-maturity Treasury (CMT) securities, the Cost of Funds Index (COFI), and the London Interbank Offered Rate (LIBOR). A few lenders use their own cost of funds as an index, rather than using other indices. This is done to ensure a steady margin for the lender, whose own cost of funding will usually be related to the index. Consequently, payments made by the borrower may change over time with the changing interest rate (alternatively, the term of the loan may change). This is not to be confused with the graduated payment mortgage, which offers changing payment amounts but a fixed interest rate. Other forms of mortgage loan include the interest only mortgage, the fixed rate mortgage, the negative amortization mortgage, and the balloon payment mortgage. Adjustable rates transfer part of the interest rate risk from the lender to the borrower. They can be used where unpredictable interest rates make fixed rate loans difficult to obtain. The borrower benefits if the interest rate falls and loses out if interest rates rise).

SO CALL IN Every Monday or email us your questions to:
"Because Money & Music Go HAND in HAND"

These ARM's and Interest Only loans are the type of mortgages that you can get sometimes with NO MONEY down or the too good to be true mortgages/loans, that you will see in 1-5 years be adjusted to interest rates or increased minimum payments. Imagine, losing your job, missing a few payments due to hardship & the economy, medical problems, list goes on...well those same Banks didn't care and as Housing Prices Collapsed, did your loan? NO instead you were subject to a different Payment sometimes double than what you originally anticipated. So as Wall Street and Banks are bailed out by our tax dollars from Government officials, those that have fell to hardship & the economy and encouraged to take on loans or mortgages to achieve the "American Dream" and are now unable to afford for that loan/mortgage, have they been BAILED OUT???

So if you learned anything from today's discussion, DO NOT Blame Government for your problems, and sure don't expect Government to solve your problems. Instead EDUCATE yourself and understand every one's situation is different, and before taking on such a huge investment, know your situation, know the facts, and seek financial counsel about your situation short and long term. So that when you buy your first home, you will be able to enjoy (The Real American Dream)!!"NO STRESS"!! for many years to come.

Tuesday, September 1, 2009

Expand your Brand, "YOU" & Personal/Business Credit

If you missed this week's Money & Music Segment, it was Heavy!!! Joined by up and coming artist, R.E.U.B. Not only can this dude flow, but his message is positive & up lifting.

If you don't think so??? Enjoy some of his HOTT New Heat:

"Soul of a Hustla::
"Change 4 the Better":

R.E.U.B's official:

So while your enjoying the music, now it's time to step your Game up, and learn ya something. This week's Money & Music Segment had some serious knowledge. No worries if you missed it? Check it: MONEY & MUSIC SHOW - GET YOUR FINANCIAL TIPS RIGHT HERE!"

In summary, R.E.U.B's song "Soul of a Hustla" gives true flava of what it means to go out and expand your "Brand", "YOU"!!

Personal branding can single an individual out as an expert in their field, but are there downfalls to personal branding vs. company branding?

Truth is personal branding is easier than company branding. Why? Because if you believe in your talent, in your skills and ability - it's easier to sell what you believe in. Your image is already created - you just have to market it. How do you market yourself? That's easy. You must become:

A pro in your industry; an expert in your field.

With that said are there downfalls to personal branding? Absolutely. Unless you plan to work until your last living day, it will be difficult to transition the brand to someone else. After all you are the BRAND! If you are ok with the fact that in order to transition out of the brand you will need to create a new one that your consumers can grasp onto then personal branding may just be for you.

When branding yourself remember that you must create a strong and consistent brand. You cannot skimp just because it's about you.

Strong brands are clear about who they are and what they are not; which is why branding yourself can be an easy process. You already know who you are and what you are not. Strong brands are also consistent; it's easy to be consistent in who you are.

Let's take for example Madonna. She was her brand. Since the start of her career she has had the ability to change consistently throughout her career. This made her stand out from among other performers. This in essence strengthened her individual brand.

By branding yourself effectively you will:

  • Establish yourself as an expert in your chosen field.
  • Build a solid reputation within your industry.
  • Increase your notoriety and improve your perceived value in the marketplace.

The key to successfully branding yourself and doing it effectively is to first establish a personal brand identity. Once you have done that focus that message on who you are and what you stand for within your chosen field. Your final step is to get the word out through a variety of media channels that are viewed by the people most likely to be interested in your message.

As people begin to see your name and become aware of the benefit and knowledge that you offer, before you know it thousands of people will not only know who you are but they will begin to seek out your services and expertise. They will identify with your brand which is "YOU"!!!

Now, you see the GREEN Button, DON'T PRESS IT!!! It's like the Bat Mobile, you don't know where it will take you. So fortunately, "Money" Mike went ahead and pressed it for us, helping us to focus on stepping our Financial Game Up, giving some basic tips on understanding how to Expand your Credit.

For starters, if you don't know your credit profile, It's FREE! Yessir, once a year by law we all have the opportunity to request a Free Credit Report, not by the faker websites, only this site here, can you be assured at NO Charge, you will Know what they know about you. So don't waste time??? It's FREE & You may just find out who's messing your Credit up.

Click here:

Now that you have a start to understanding your Credit. Here are some steps to consider:

1. Establishing Credit
Before you can be considered for a credit card, car loan, or even a mortgage, you need to have an established credit history. While it isn't too difficult to establish credit, you want to make sure that you're establishing the right kind of credit so that you can maintain a high credit score.
Whether you like it or not, your credit history will follow you for your whole life. Your credit score is one of the primary factors that is used in determining whether or not a lender will extend you credit or a loan, and it can also play a significant role in determining your interest rate.

3. Improve Your Credit Score
Do you have some negative items on your credit score holding you back? No need to worry. There are plenty of actions you can take to begin improving your score. While there isn't an instant cure, if you understand what makes up your score, you can begin to improve it today.

4. Getting Out of Debt
Having trouble making and headway on your credit cards? Sending in those credit card payments and pulling yourself out of debt can seem like an impossible challenge, but there is a way out. One of the best things you can do is to pay more than the minimum payment each month, even if it is only a few extra dollars.

5. Student Loans
A college education is more expensive today than ever before, and many young people come away from college with a mountain of student loan debt. If you require financial assistance to attend college, make sure you're taking advantage of every financial aid option available to you, and understand how your student loans work.

6. Credit Cards for Business
With credit cards so easy to obtain, many new entrepreneurs turn to credit cards to help finance their new business. Credit cards can be a great tool to assist with making business purchases, but they should not be used to entirely finance your new idea.

With all that said, Business Owners, remember as R.E.U.B. said well, keep your Personal Business separate from your Professional Business. Set up a business account, so you keep begin to pay your business expenses through the business, and in time be credited for building your business, and credit worthiness to institutions or investors. For more sophisticated business owners, note that if you are incorporated, Dun & Bradstreet is the Business Reporting agency to the Credit Issuers, by establishing your Dun & Bradstreet report, this will in time have those same Lending Institutions calling your Business for more credit, and NOT YOU!! Keep your Business Separate from your Personal accounts. And if they offer you the credit lines, take them, use them wisely or don't use them at all, but you never know when that day will come when you actually need that Credit Line to take your business or profession to the next level.

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