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    Join hvBiz.com today and start promoting your business while networking with other business owners in the Hudson Valley.
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  • Latest Blog Posts to hvBiz

    Free Workshop on Shaping Your Policy and Culture with Employee Handbooks By hvBiz, 2017-09-14

    Define your role as employer, set employee expectations, and learn how your company’s policies can help determine workplace culture.


    Join national HR leader Paychex and SCORE at their upcoming seminar and learn how to avoid some of the most common employee handbook mistakes for small businesses.

    Attend SCORE's Free, Local Seminar

    A Paychex HR professional will help you identify practical ways to shape policy, culture and value for your organization with an employee handbook.

    Create a great company culture by leveraging some of the potential benefits of a handbook.

    Learn more about:

    1 . The Importance of Culture
    Understand the concept of culture and why it’s important.

    2. Value of a Handbook
    Discover the many potential benefits of a wellwritten handbook for your company

    3. Legal Matters
    Review the legislative foundation for developing a handbook

    4. Best Practices
    Learn what content to avoid and include

    5. Important Decisions
    Identify 5 key decisions required to develop a handbook

    And more! Click here to register today.

    Date:
    September 20, 2017

    Time:
    9 am to 10:30 am

    Location:
    Goshen Chamber of Commerce
    223 E. Main Street
    Goshen NY 10924

    Posted in: Workshop | 0 comments
    Who Else Wants to Profit from the Upcoming Entrepreneur Success Program? By Edison Guzman, 2017-09-02

    If you want to start or GROW your business, this 10 week course will help you succeed. Classes are held Tuesdays and Thursdays from 6pm to 9pm starting September 19, 2017.

    Click here to register online for a one time-tuition of $297. ($399 after Sept 15)

    Click here to take advantage of the 3 Pay Plan. ($99 today and 2 more monthly payments of $99 - $133/mo after Sept 15)

    ESPflyer091917web.jpg

    Secured Credit Cards  - Learn About Them, Apply For Them, Or Market Them At CreditCardBroker.com By Emanuele Intorrella, 2017-08-29

    Hello, My name is Emanuele Intorrella, Founder of CreditCardBroker.com.  Our office is in Middletown NY. 

    I thought I would share our video on secured credit cards with your all.

    Video Link:  https://www.youtube.com/watch?v=RAuoM0dAqdY&t=16s

    Here is my contact information if you have any questions: Emanuele Intorrella 973-220-5801 partners@creditcardbroker.com If you would like to apply for a secured credit card you can apply here: http://www.creditcardbroker.com/secured-credit-cards/

    If you would like to market secured cards and earn commissions please contact me Video On Secured Credit Cards: Script of the video: Hello and Today you will learn about secured credit cards, how they can help, and where you can apply for one. Have you been refused a credit card in the past? CreditCardBroker.com has a possible solution for you! Apply for a secured credit card.  

    About Secured Cards:

    -Designed for people who want to establish or build a credit history

    - Give access to a credit line to use

    -Payments report to major credit bureaus

    -You typically need to deposit cash as collateral for your credit limit (commonly from $200 to $2000)    

    About Secured Cards Continued:

    -Most secured cards will have an annual fee, possibly other fees

    -APR’s will be higher than an unsecured card

    -Commonly your credit limit is what you deposit as collateral

    -Be sure to read the terms and conditions      

    Typical requirements to obtain a secured card:

    -You need the ability to make minimum payments so your income should be more than expenses. 

    -You need proper identification

    -Past bankruptcies must be discharged  

    Tips once you get a secured card:

     -Show the bank you can responsibly own a credit card!

    -NEVER make a late payment

    -Pay your bill on time each month

    -Pay your balance in full OR pay more than your minimum payment each month. 

    -Never charge more than 10% of your total credit limit.  

    When applying for a secured card:

     -Have your bank account information handy so you can deposit your money with the bank.

    -Be sure to set 15 minutes aside to fill out the online application

    -Have are your personal information handy

    -Be sure it reports to all 3 credit bureaus  

    How long should I keep a secured credit card?

    Keep your card active as long as possible. Closing an account can potentially reduce creditworthiness.   I was refused a secured card. 

    Any other options?

    -You do have other options.

    -Ask a friend or family member if they can make you an “authorized user” on their account. 

    -There are no requirements to qualify and you will build a credit history with each on-time monthly payment.  (Bank must be reporting) -Get a cosigner.  

    About CreditCardBroker.com CreditCardBroker.com is your online resource for credit cards, loans, merchant account, credit reports, and other financial products. 

    If you are interested in applying for a secured credit card, we have some offers for you to review on our website, CreditCardBroker.com!   Where can I apply for a secured credit card?  

    Visit:  http://www.creditcardbroker.com/secured-credit-cards/ and apply online today!

     
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