Why should I accept credit cards?

The average American's reliance on cash and checks for retail and Internet business transactions is continually diminishing. Today, the average American adult carries at least two credit cards + a debit card as most people really don't carry cash on them anymore. Together, Visa's and Mastercard's annual volume exceeds $210 billion dollars.

Just for the record it is not how many people are coming through your door it is how many people that are not coming through the door because you don't have the Credit Card logo's.


Get Set up with a merchant account or get more info today Contact Ryan @ 219-512-9910



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I will start this off today...you guys know me as gioperation, my mom knows me as Ryan Hodge...I have always been in some type of sales for the most part...I don't know what I would do if I couldn't be in sales of some sort...I love my freedom, I have never been able to sit at a desk and do office type work, I need my freedom to do what I do best, network with others...I like to talk to people and find out what makes them tick, satisfy their needs

...so I have always sold products that I know that people could use and only from companies that I could respect...I have always had this motto...if I wouldn't sell this to my mom or my sister then I don't want any part of it...

When I sell a product to a customer, I now have a customer for life, not only that, but I also want to sell to their families and their friends because they referred me...I have been pretty successful in doing that...

I haven't done financial planning in about 4 years but I still get a couple phone calls a month asking me if I can help them..."I LOVE THAT"...that means I made a difference in someones life.


This is what I do...

Wanna know why people are passing your business and not stopping in?...Maybe it is because you don't have those VISA/MC/AMEX/DISCOVER Logos on your door...you know the ones that say we gladly accept them...

Increase you business today...mention this comment and receive a free credit card machine, while supplies last...call Ryan @ 219-512-9910. I got you, whether you have a storefront, Internet business, mobile biz, whatever, we got a solution! We can't and we will not be beat!!!



Very few people walk around with a bunch of cash in their pockets, but they got that plastic, whether it be a DEBIT CARD OR A CREDIT CARD!

SIDE NOTE: EVEN IF YOU ALREADY ACCEPT PLASTIC, CALL ME TODAY FOR A PROPOSAL TO SAVE YOU $$$ ON A MONTHLY BASIS, I WILL EVEN PAY YOUR TERMINATION FEE!

Is your waiter a thief?

I was browsing on the net and found this article on identity theft, it kinda caught me off-guard because I never would have thought people were doing things like this as I used to be a server and never in a thousand years would I think of something like this...but this also the reason I hooked up with PPL as one of their reps, because there are crooks out there lurking for the right opportunity to knock...you should def. check out Pre-Paid Legal...I did, I joined the sales crew and I signed for the membership as well just to protect myself legal crazies...here is my Pre-paid Legal web page...maybe I can help you and/or go into business with you!
www.prepaidlegal.com/idt/ryanthodge
it cost me like 12 bucks for the indentity shield and $49 bucks to go in business with them!
Here is the story...Ryan Hodge


Is your waiter a thief?
Crooks with portable bank-card readers are getting away with $60 million a year. Your credit or debit card could be 'skimmed' at a store, a restaurant, even an ATM.
By U.S. News & World Report
Brad Lipman's dinner out with his family turned out to be much more expensive than he expected, at least temporarily.
When he paid for the meal last summer with his debit card, someone in the restaurant -- he still doesn't know who -- swiped it through a portable card reader, which copied the account information. Within a few weeks, thousands of dollars had been stolen from his bank account.
Lipman, who lives in Thousand Oaks, Calif., is one of thousands of people affected by "skimming," criminals stealing credit card information when cards are used at ATMs, restaurants or other retail locations. Skimmers siphon about $60 million a year from bank accounts, according to the Electronic Funds Transfer Association.
"We're seeing more of it," says Todd Davis, the chief executive of the security company LifeLock in Tempe, Ariz. One common technique, he says, is placing a skimming device over the card slot of an ATM. The skimmer looks like a piece of plastic to guide cards into the slot, but it picks up bank information as the card slides through.
More ATM use means more incidents People can purchase skimming machines, which are also called portable magnetic credit card readers, through online sites such as eBay for around $200. The devices, which are about the size of a small stapler and contain a slot for card swiping, electronically read cards' magnetic strips and store the data. The data are then transferred to a computer and used to make copycat cards, which can make purchases.
The devices are also used for legal purposes, such as registering conference attendees or making sales at small retail stores. An eBay spokeswoman said that the company allows the sale of the devices because they are legal, but that sellers are prohibited from marketing the devices for fraudulent use under the company's policy against encouraging illegal activity.
Kurt Helwig, the president of the Electronic Funds Transfer Association, which promotes electronic commerce, says that though the number of skimming incidents as a percentage of overall ATM use hasn't grown, the increase in ATM use overall means that skimming is happening more often. Although it's still a rare occurrence and there's no need to avoid ATMs, he says, consumers should be wary.
"If you see something that looks funny or doesn't look right, with wires hanging out or a stupid sign (directing consumers to a different card slot), don't use that ATM, and let someone know," Helwig says.
Video on MSN Money

Recovering from ID theftHere are tips for restoring your credit after you've been victimized.
Banks must reimburse Many banks have added security measures, such as monitoring ATMs with physical inspections as well as electronically during off hours, when skimming is most likely to occur. Margie Green, a spokeswoman for Wachovia, says the bank's ATMs are under watch 24 hours a day. Like most banks, Wachovia reimburses customers for any losses they incur from a skimming scam. By law, banks must reimburse customers for all but $50 of their losses, as long as they report the problem in a timely fashion.
Still, falling victim to skimming is not pleasant. Even though his money was refunded, "I felt absolutely as violated as can be," says Lipman, who has since started a company, TablePay Solutions, to help prevent skimming. The company distributes a machine to retailers that allows customers to swipe their own card, never allowing it out of their sight.
This article was reported and written by Kimberly Palmer for U.S. News & World Report.
Published Aug. 7, 2007

Five Things Every Married Person Should Know

Five Things Every Married Person Should Know Before Signing Any
Credit Application

by Jay Peters

Have you ever wondered if banks have a tendency to approve credit cards and loans for one sex more than the other? If you are married (or plan to be) I will share with you five vital keys every married person should know before signing any credit application.

VITAL KEY #1: According to the Federal Equal Credit Opportunity Act (FECOA) creditors cannot deny consumers access to credit because of their sex. However, on average (in surveys) it’s reported that women earn less money than men. Regardless of what the FECOA states, the relationship of credit to income is very strong.

In our society if you make less money you will get less credit, period. The sad fact is that women on there own have less access to credit. It’s for this reason (I believe) it is imperative that women learn and acquire more knowledge about credit than men. Knowledge is power; and in the world of credit that knowledge will often times prove to be priceless, especially for women.

VITAL KEY #2: If you are a married woman with JOINT credit (meaning all your credit accounts are jointly held with your husband) you have NO CREDIT yourself. Many women in America find this out the hard way every year when they get divorced and lose all their credit privileges since all their accounts were jointly held with their spouse. If you are a woman in this position you can greatly benefit by beginning to build your own credit in your own name starting today! The benefits are two fold.

1.) If your spouse has financial difficulties (for any reason) and is forced to file bankruptcy or their credit becomes derogatory, you and your spouse will have your credit in reserve to survive on.

2.) If you ever get divorced down the road (over 50% do and 76% in the state of California) you will NOT end up in financial hardship due to no credit and/or derogatory credit. Instead, you will have your credit to transition to and (believe me) this can be the difference between sailing off in the sunset or drowning in a storm.

VITAL KEY #3: If you are currently married (with some credit or no credit) to a spouse who has excellent credit, you can leverage their credit to build credit in your own name much faster than if you had to build it by yourself. Later, once you have established enough accounts on your own, you may choose to cancel accounts that were held jointly with your spouse.

VITAL KEY #4: If you are a single woman with excellent credit and are getting married you may want to think twice about adding your new lover to all your credit accounts. If he messes up or you end up in divorce down the road your credit will end up taking the beating (regardless of how many years you diligently spent building it up). For this reason, I strongly suggest married couples keep their credit separate. Why?

In most cases spouses have far more to lose than to gain. Naturally, some credit will have to be joint no matter what you do. If you purchase a home (which may require both incomes to qualify) this will appear as a joint account on the credit report. However, the potential abuse with a home mortgage is almost non existent as opposed to Credit Cards.

VITAL KEY #5: Spouses have more to gain by each building strong individual credit reports rather than joining all accounts and building one joint report. For obvious reasons, banks and credit card companies love the “credit ignorance” of spouses who join all their credit accounts upon marriage.

Here’s why: If you take 500,000 couples with credit before they got married, those 500,000 couples actually represent one million credit accounts and liabilities for the banks and lenders. When those couples got married, those one million credit liabilities were instantly were cut in half from one million to only 500,000. For banks this is a very advantageous situation. For the couples getting married (if they have financial trouble) the deal is a little raw. If they have trouble, although they are two people, they are represented by only one credit report. The bank now has the right to go after two different people for one account (regardless of who was financially negligent).

For moment, let’s play out the same scenario with a couple which is financially savvy (note: they’re both on the same “team” but financially savvy). In this scenario, the couple gets married, but instead of joining account each builds their individual credit reports. Now this couple (team) has not one credit report representing them but two. Metaphorically, if the perfect storm (financially) is to rise, this is the difference between the couple being in the ocean with two ships instead of one. If the one ship starts to sink, the couple can always “jump ship” to the second.

While some may criticize this thinking it is no different than buying any kind of insurance. You buy insurance not because you plan on a problem. You buy insurance because you are thinking ahead. This type of thinking is no different. However, if you want to be ahead of the pack that you need to think ahead of the pack.

I cannot tell you how many times I have talked to loving married couples in financial trouble who only WISHED they would have known about these five vital keys before they got into financial trouble. Take them, study them, apply them to your life. As I heard one woman put it “In business and in life I’ve learned to expect the best but plan for the worst”. I thought her words were brilliant. However, I have found that when I expect the best… many times I tend to get it! Take these five vital keys. Study them. Apply them. Then pass them on to someone else who can benefit from them.

Jay Peters is the founder of Consumer Publishing Group which publishes the Credit Secrets Bible (in print since 1994). To receive Free Credit Tips including “How to Bullet-Proof Yourself From Identity Theft For FREE!” visit their website: http://www.creditsecretsbible.org

© Copyright 2007 by Jay Peters