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      "author": "steemitboard",
      "body": "Congratulations @jwsscott777! You received a personal award!\n\n<table><tr><td>https://steemitimages.com/70x70/http://steemitboard.com/@jwsscott777/birthday1.png</td><td>Happy Birthday! - You are on the Steem blockchain for 1 year!</td></tr></table>\n\n<sub>_You can view [your badges on your Steem Board](https://steemitboard.com/@jwsscott777) and compare to others on the [Steem Ranking](https://steemitboard.com/ranking/index.php?name=jwsscott777)_</sub>\n\n\n> You can upvote this notification to help all Steem users. Learn how [here](https://steemit.com/steemitboard/@steemitboard/http-i-cubeupload-com-7ciqeo-png)!",
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      "author": "jwsscott777",
      "body": "![IMG_0570.JPG](https://cdn.steemitimages.com/DQmbqRFLip6K2p7qBY6tmsMV8VTtKSnPuzYZ4ydrjheJT8J/IMG_0570.JPG)\n\nFrom the time we become aware, all of us are on a path of upward struggle to get to the top of something. Whether it is graduating from college to having a nice comfortable retirement. \n\nWe usually allow our thoughts to drift while we are in the \"waiting\" line to what we can do at this moment to better our circumstances now and of course, the future. \n\nVarious traps are laid for us, usually in the form of agreements that we readily accept for one reason or another. These traps which always ensnare us, keep us bogged down in the line with the hidden message that \"It is because of this I have the motivation to keep climbing upward.\" \n\nThis debt trap that we all face keeps us slaves to a constant state of need and dependance, which when we finally arrive at our supposed higher destination, just continues to bog us down. Instead of joy, we have anxiety.\n\nPeople who are not currently struggling with debt, usually have many biased views of the people who are struggling. They might say things like \"They should stop spending so much money\" or \" They need to learn to save and figure out how to keep a budget.\" \n\nThis current monetary system we live in is designed to keep us in a constant state of dependancy. So of the few people who actually are financially irresponsible, the vast majority of us just don't have enough coming in. \n\nThe good news is that many people are finding their way out of these traps and learning how to turn the old fiat debt system on itself. Investing in crypto is a great start. But we still need to learn how to completely break free from the mind control that has us encumbered.\n\nOne of these psycho control scripts is in believing that you owe a debt collector anything. I feel especially angry at how they target the elderly and scare them into paying them money that they never owed to the scumbag debt collectors.\nMost people when they get to the \"top\" or retirement as it is called, are shocked at the little they actually are expected to live on through their golden years.\n\nNow I'm not talking about legitimate debt that a person might have with someone or some other entity, even though the whole banking fractional reserve lending is a topic for another day. I'm talking about the #$%&! debt collectors that pick up fragmented spreadsheet information on people outside the statute of limitations and attempt to rob them of their money.\n\nSo what can be done?\n\nWell, the main thing that needs to occur is a convincing of the mind that \"nobody owes a debt collector anything if they can't prove or VALIDATE the alleged debt.\" This means... A complete original signed agreement between that person and the debt collector, a complete chain of title from the original contract to the debt collector. Which, none of them can properly produce when asked for it by the FDCPA. \n\nThe hardest thing for us to master is our morale programing that keeps us from recognizing the wolf in sheep's clothing that gives the debt collector power and and rich bank account. \n\nI will go deeper in future posts but for now just try and rethink the way you think about debt collectors and that industry.",
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      "body": "Because ...its better two than one.\nBecause...it is better to carry the luggage of living between two lovers...than living this movie called life alone.\nBecause...more than partners.\nBecause...more than marriage.\nBecause...more than friends.\nBecause...more than confidents.\nBecause...more than enemies of those ghosts from the past that sometimes they want to torment  our PRESENT.\nWe are humans in constant growth.\nLOVE is posible!!!\nFor all who have a partner,husband,wife,girlfriend,boyfriend,friend,confidant and a little enemy...fight strive take care his love like# LIONS,LIONESSES,WARRIORS.\nFor all who are single let's take the step I hope you to find someone special to fill your sky with lights.\nBecause...to be happy you have to learn to ignore many things.\nALL WITHOUT EXCEPTION ...WE NEED AN ACCOMPLICE SOMETIME SOMEONE TO HELP US USE THE HEART\n                                                                                                                                             Mario Benedetti.\n                                                                                   LOVE.....The best motivation to reorganize your financial life.\n                                                                                                                                                            WHY NOT?\nMonica Lores.\n        \n![_DSC2594 (2).JPG](https://cdn.steemitimages.com/DQmWPvnGXmqo92SWzsNsFSJDUB47SEQiSJCnggYyvwxZNkF/_DSC2594%20(2).JPG)",
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      "body": "En realidad todos lados son zoológicos humanos, pero hay pocos lugares en donde la gente baja completa y verdaderamente la guardia como en un aeropuerto a media noche.",
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      "body": "![anotherbw.jpg](https://cdn.steemitimages.com/DQmVYj3cLBJZyirWCdfGudMsbrVAM1teGeAxbk6eUVbNmic/anotherbw.jpg)\n\n# **Three Business Credit Myths Debunked**\n\nA lot of people don’t understand the consumer credit system, and many more don’t\nunderstand the business credit system. Today we are going to cover a couple of common\nbusiness credit “myths”, and explain the truth that can be learned from them.\n\n## **Myth #1: Business Credit is Just Like Personal Credit**\n\nThis sounds like it ought to be true, but it just isn’t. Sure, the credit systems are\nsimilar. However, there are some very major differences that can seriously affect\nyour business. For starters, the consumer credit system has, both in court and in\ncongressional testimony, been demonstrated to be fairly anti-consumer. The system\nworks against consumers in many cases, is prone to errors, and tends to resist the\ncorrection of any errors by consumers or their advocates. (In one example, even after\na credit bureau was sued and lost in court, they continued to refuse for months to\nremove the incorrect information from the person’s credit reports.) The business\ncredit system is quite different. It is not anti-business (or anti-consumer), it is less\nprone to errors, and when there are legitimate errors, they are generally easier to\nget corrected.\n\n## **Myth #2: It Doesn’t Hurt To Use Personal Credit In Place of Business Credit**\n\nThis is a problematic way of thinking that can lead to big problems down the road.\nUsing personal credit for business purposes puts your personal credit at risk for the\nsake of your business. By using personal credit for business, you limit the resources\navailable to you personally and to your business, and the end result could be\ndisastrous. Imagine when your business credit needs exceed your personal credit\ncapacity--and when YOU need to use your personal credit and can’t because it’s\nbeen tied up by your business. No matter how you spin it, in the end using your\npersonal credit for business is a bad idea.\n\n## **Myth #3: Business Credit and Personal Credit Are In No Way Related**\n\nWhile using your personal credit for business use is a bad idea, we can’t exactly\nseparate business credit and personal credit completely. In many cases, especially\nwhen starting out with business credit, an owner of the company will be required\nto provide a “personal guarantee” for the business credit loan or line of credit. When\nproviding a personal guarantee, the company extending credit will not only check\nyour business credit, but will check your personal credit history. While the business\naccount won’t show up on your personal credit report, the personal guarantee could\neventually affect your personal credit in the event that the business fails to meet its\nobligations. Obviously, you should aim to avoid that scenario (and certainly can) by\ncareful planning and smart use of business credit.\n\nEnjoy.",
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      "author": "jwsscott777",
      "body": "![1377468580707.jpg](https://cdn.steemitimages.com/DQmYsfJvYssDFbJJ3wL6S8aX6nQiBdJFCN1peMkJECuW8nG/1377468580707.jpg)\n\nThere is a lot of talk these days about business credit. What is it? Why would I need it? Well, for starters, the personal credit that many of us strive to keep in the high range can be almost unattainable. Many of us have poor credit and we have never been taught that there is another form of credit that is far superior to that of personal credit and that is the form of credit only known in the business world. \n\nIt really is quite simple to open a business these days. However, where most businesses fail is in lacking funds to carry them through the rough times. \n\nToday I want to talk about the scoring system of business credit.\n\nThe Dun and Bradstreet Paydex Business Credit Score.\nThe main credit score used in the business world is known as a Paydex score provided\nby Dun and Bradstreet. \n\nThis number assess a business’s lending risk much the same as a consumer credit\nscore reflects a consumer’s individual credit risk.\n\nPaydex is essentially the business equivalent of your personal credit score.\nThe exact definition from Dunn & Bradstreet, or D&B is: The D&B PAYDEX® Score is\nD&B’s unique dollar-weighted numerical indicator of how a firm paid its bills over\nthe past year, based on trade experiences reported to D&B by various vendors.\n\nThere are many BIG differences from a business Paydex credit score and an individual\nFICO consumer credit score.\nConsumer FICO credit scores range from 350-850. The Paydex Score ranges from\n0-100 with 100 being the highest score you can obtain.\n\nIndividual credit scores are calculated based on a number of factors.\nThe Paydex score is calculated based on only one single factor; whether a business\nmakes prompt payments to its suppliers and creditors within the agreed upon terms\nof payment.\nMost lenders and suppliers are looking for a score of 70 and higher. Having a score\nof 80 and above is very good. Here is a breakdown of how the Paydex credit score is calculated:\n\nPayment Expectation\n\nExpect payment may come early                                                                                                                       100\n\nPayments generally come within early payment discount period                                                         90\n\nPayment is prompt                                                                                                                                                     80\n\nPayment comes 14 days beyond terms                                                                                                             70\n\nPayment comes 21 days beyond terms                                                                                                             60\n\nPayment comes 30 days beyond terms                                                                                                             50  \n                                  \nPayment comes 60 days beyond terms                                                                                                             40\n\nPayment comes 90 days beyond terms                                                                                                             30\n\nPayment comes 120 days beyond terms                                                                                                           20\n\nIf you own a business, your Paydex score is essential in establishing new credit and\ncontinuing to build credit limits exceeding $100,000.\n\nIt only takes 60 days to establish a positive Paydex credit score. To start you will first\nwant to apply for a DUNS Number, a nine digit business identifying number, with\nDun and Bradstreet.\n\nOnce your DUNS number is established you will next want to find a merchant who\nwill extend you credit and then report that credit to Dun and Bradstreet.\nOnce you have positive business credit report to Dun and Bradstreet you will have a\npositive Paydex score established.\n\nYou will want to then apply for more business credit and use it regularly. Make sure\nyou pay all payments back early to raise your scores to 80 or higher.\nYou can easily and quickly establish a positive Paydex credit score.\n\nAs you continue to pay your bills timely your scores will continue to raise giving you\nthe ability to qualify for credit in your business name. \n\nUntil next time,\n\nJames and Monica.\n\nVisit: tlmsols.com",
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      "body": "@@ -120,16 +120,17 @@\n lect it.\n+ \n %0A%0AWe hav\n@@ -268,16 +268,178 @@\n roblems.\n+ Of course, this in no way is to be considered legal advice. This is purely for entertainment. You should always consult a bar licensed attorney for legal advice.\n %0A%0AFirst \n@@ -2537,8 +2537,125 @@\n y tuned.\n+!%5B1377471641439.jpg%5D(https://cdn.steemitimages.com/DQmamVBsuuE8TNibEEXSeCKk9ddpN3jiWJ4TeTi3sBGmXEF/1377471641439.jpg)\n",
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      "body": "Congratulations @jwsscott777! You have completed the following achievement on Steemit and have been rewarded with new badge(s) :\n\n[![](https://steemitimages.com/70x70/http://steemitboard.com/notifications/firstcommented.png)](http://steemitboard.com/@jwsscott777) You got a First Reply\n\n<sub>_Click on the badge to view your Board of Honor._</sub>\n<sub>_If you no longer want to receive notifications, reply to this comment with the word_ `STOP`</sub>\n\n\n\n> Do you like [SteemitBoard's project](https://steemit.com/@steemitboard)? Then **[Vote for its witness](https://v2.steemconnect.com/sign/account-witness-vote?witness=steemitboard&approve=1)** and **get one more award**!",
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