In “Become the Squeaky Wheel” a book recently published, Michelle Dunn demonstrates the major areas of a company should focus on ensuring the customer a satisfying experience. One mistake made by entrepreneurs is not having a credit policy in place, when they open their business. This can be easily corrected by applying one at any time. “At least, every company must have each customer fill out a credit application,” says Dunn. “In the opinion of the companies, it seems easier just to process the order without getting little or no information about the customer. Most new businesses are so excited to make the sale does not want to offend by asking customers to fill out an application credit, “explains Michelle Dunn. Another error of business owners is to ask for money once it expires. They were so happy to make the sale, and now I want the client asking for crazy money, even if it is expired.

Show potential customers that you are proud of what you do and that you are serious and have a sound credit policy in place. The customer who is offended or do not want to fill the credit application is not likely that someone you want to be a customer anyway. Michelle Dunn has over 17 years experience in credit and debt collection. She is the founder of Never Dunn Publishing, LLC, is a writer, consultant and adviser to the Editorial Eli Financial Debt Collection Compliance Alert Newsletter. Michelle started MAD Collection Agency and ran successfully for seven years. She also owns and runs Credit & Collections.com an online community for credit and business professionals. He has written five books in their fundraising series is currently writing a book for the Streetwise Series, part of the Corporation Adams Media.

Candles wash often, you will see a beautiful sail boat with a dirty sail, you say "It's disgusting" and is glad that you're not there. Sometimes you feel sorry for the gentleman, knowing that cleaning sails is difficult and can take hours. Have you ever washed your sails? Have you ever paid someone too? Are you sure they knew what they were doing? How do you know who did more harm than good in cleaning? It is safest to wash sails by hand. Mix the soap in a bucket and brush lightly with a soft bristle 18 "of the brush. If you use a hot water washer, plug one end of 45 U on it and reduce the pressure to 1100 PSI. Too much pressure conducts discussions, often those who own boat washing companies are too hasty in cleaning and inadvertently causing slight damage every time you clean. Do not put candles in a washing machine, many people still do, however many new materials are not conducive to this type of cleaning. This especially kills Dacron fabrics.

It is important to remove all salt and dirt. The salt can act as an abrasive wear of life, sealing in the dirt and holding moisture. Never store a wet sail. Make sure it is dry. No more brush or use too much pressure.

Mold and mildew stains may need a mild form of bleach. In Kevlar sails, do not use soap. Just rinse and bleach, please, never use bleach. You may be surprised that you can remove ten pounds or more the value of salt and dirt from a large sail. This will increase the performance and you can feel the difference. "Lance Winslow" – If you have innovative thoughts and unique perspectives, come think with Lance; / wttbbs

With so much personal information publicly available (or readily available for someone with computer skills a half) is essential to develop good habits to prevent your information from falling into the hands of criminals. It is possible for someone to create a full identity (get a driver’s license, etc.) on the basis of only a few pieces of information. I know of an employee who suffered an on the job injury then applied for disability. He was shocked when he refused. According to the records of the Convention on the compensation that had been collecting disability for the past year and a half.

Someone had gotten their hands on enough information to deplete your account! It can take years and thousands of dollars to correct identity theft, credit fraud or a simple key entry error by an employee at a credit bureau. It takes a few minutes for you to do these simple tips: Destroy all pre-approved credit offers you get in the mail before throwing it away. Otherwise, someone can fill out a new direction and obtain credit in your name. Use a paper shredder for all documents with your financial or legal information included. Sign all credit cards with ‘Please ask for photo ID “instead of signature. Never give your Social Security number or credit card in the phone unless you initiate the call and you know who you ‘re talking about.

Never carry your social security number in your wallet. You do not have to give your Social Security number to companies that request, although they have the right to refuse service. Asnicar government agency, and employment or of taxes related to the investigations must be answered. Reduce the number of pre-approved offers you get by requesting these credit bureaus remove your name from the lists: TRW (800) 353-0809, Equifax (800) 219-1251 and TransUnion (800) 241-2858. Once a year carefully your credit report from Experian (800) 682-7654 and free Social Security file, (800) 772-1213. If you are denied credit based on its report, the issuing credit bureau must give you a free copy on request – though usually billed. If you do not have a business ‘file system having a life’, cost-effective and Small Business Kit Home file that I use in my own business, making it easy for me to guarantee your satisfaction. (Do not provide confidential information on e-mail transactions or non-financial Internet unless it is secure and encrypted. (Look for the SSL reference) check guarantee and check verification agencies must provide the same protection as credit bureaus, including access to your report and correction of errors. If your check is rejected, you receive the name of the agency. For assistance in re-establishing good credit and correcting errors in non-profit Consumer Credit Counseling Services can help. To find the office nearest you call (800) 388-2227. More time-saving tips are available free for more than 15 years, Eve Abbott has been writing, speaking and consulting with executives, managers and business owners to increase their effectiveness in the organization of tools and techniques to melt the storm paper snow and dealing with the overload of e-mail. Eve is the Organizer Extraordinaire, a personal productivity expert whose wisdom has reached the pages of The New York Times, Working Woman and Home Office Computing.

Are you thinking of buying a house? Want to buy a new car to replace the old ruin? Trying to get insurance in your home, auto, or life? In each of these situations, what in your credit report will determine whether you can get a loan or insurance and what rates you will pay. If you're trying to build or repair your credit, you have a difficult but not impossible, in front of you. Many people have been where you are and today they have good credit. You may want to visit Jeff Flake to increase your knowledge. Over time, the discipline of hard work, and taking the right steps, you will be able to build a good credit history also. To build or rebuild your credit history is necessary to take certain steps: Develop a budget and live by it. Whether your loan for the construction of the first time or rebuilding credit, you need to know how much money you have coming in each month and how it is spent.

Start by listing your income from all sources. A Then list all fixed expenses (rent, mortgage, car payments?). Finally, a list of all variable expenses (entertainment, recreation, clothing?) No matter how small they are. Write and track your expenses will help you understand your spending patterns and you will be able to see where you can save money by making lifestyle changes. Open a checking account and use responsibly. Lenders want to know that you have a relationship with a financial institution and has a checking account to pay bills.