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United States Credit Card and Credit History

A good credit history in the United States can make your life a lot easier and cheaper. A good credit history can for example allow you to easily apply for low interest credit cards, obtain an equity line of credit, finance a car and even buy a house with a low interest mortgage. Many property owners also require a good credit history if you want to rent a house or apartment. The problem is how to start building your credit history if you are new to the United States.

The "How to Establish a Credit History and Get a Credit Card in the United States" information guide was especially designed for immigrants and for people with bad or no credit history. It is in general easier to fix a bad credit than to start building your credit.

Having a U.S. credit card offers several benefits:

• You do not have to carry cash around with you
• It can bail you out of emergencies (towing, phone calls, hotel stays, etc.)
• It gives you time to pay back the outstanding amount if you do not have enough cash to pay the whole debt off every month
• Renting a car
• Increased purchasing power
• Dispute charges that you did not authorize and get your money back

The fact is that almost anyone may get a credit card issued by a bank in the United States. You do not have to be a United States citizen or a Green Card holder to get an American credit card. However, it is necessary to obtain a Social Security Number in order to begin build your credit history. If a person is legally in the United States on an F-1, H-1B, H-2B, J-1, B-2 visa (among others types of visas), the person may apply for a Social Security Number and consequently begin building your credit history.

"Good credit is your key to financial success in the United States".

What is included in the "Establish Credit History and Get a Credit Card in the U.S. Information Package":

• How credit works
• How to get credit
• How your history is reviewed
• How to establish your credit history
• Credit bureaus
• What goes into your credit report
• How to understand your credit report
• How to monitor, correct and clean up your credit history
• Sample Credit Report
• What is Social Security
• How to legally obtain a Social Security number
• Types of Social Security cards (for U.S. citizens/residents and for non-U.S. residents)
• Credit cards for non-U.S. residents
• Unsecured and secured credit cards
• Student credit cards
• Airline frequent flyer credit cards
• How to protect your credit
• Beware of unfair, misleading and illegal credit card offers
• How to find a reputable credit repair firm

Promoting and Marketing a Business in the United States

The United States has the world's biggest product and service market. The competition between businesses and industries is fierce, and big corporations spend millions of dollars trying to capture customers. However, it is not the size of marketing budget that determines higher sales or not. Identifying the market segment(s) and understanding how to reach potential customers is the key for successful promotion and marketing. The "Promoting and Marketing a Business in the United States" information manual provides you with promotion and marketing strategies that you as a business owner can perform yourself to compete with any company in the United States. When marketing is done right, it can be inexpensive yet highly effective.

Non-residents may find that successful strategies in their home countries do not work in the United States. A good product does not sell by itself. Different promotion strategies should be considered for different market segments. The key is to maximize the profit per product or service offered and to be aware of that higher sales volume may not necessarily lead to greater profits. This information guide focuses on how to create a successful promotion and marketing plan for products and services offered in the U.S. marketplace.

"Marketing and promotion are essential to the success of any business. Promoting and Marketing a Business in the United States is a great source of information to all business owners, especially those without prior experience in the American market."

Karl V. McArthur - NYC Marketing & Consulting, New York

Here is just a sample of its contents:

• Marketing components
• What customers really want
• Market segmentation
• Market analysis
• How to write a marketing plan
• Sales presentations
• Differences between products and services
• Types of sales teams
• The power of testimonials
• Advertisement
• Sales promotion
• Public relations
• The press, media, and you
• Corporate citizenship
• The internet as a marketing venue
• Establishing a website to promote your business
• Customer service
• Database marketing
• Direct mail
• Mailers
• Creating and marketing your website
• Company newsletter

How to Start a Business in the United States

Running your own successful business in the United States is a dream that you can now fulfill by knowing the right steps. The United States is considered the world's leading industrial nation with greater opportunities to succeed than in any other country. Both residents and non-residents have the same opportunities to run their own company in the United States.

There are many aspects to consider when starting your own business. You will be performing many or all of the necessary organizational tasks yourself that larger corporations have specific departments doing. It may be overwhelming to think that it is your responsibility now to deal with marketing, accounting, legalities, customer service, product development, etc. at the same time. However, this information guide will help you to determine what type of business you want to start and the steps necessary to achieve your goals of running your own business in the United States. The freedom of having your own successful company is priceless, and with this detailed information guide you may be able to achieve that goal.

"This information manual is the very first step you can take in starting your own business in the United States. A must-have for all business owners."

James C. Hopkins - Senior Business Consultant, New York

Here is just a sample of its contents:

• Choosing an original or established business concept
• Researching the market
• Choosing the name of your business
• Choosing the legal structure of your business
• Making a business plan
• Get help from professionals, family and friends
• Finding investors
• Debt financing
• Getting government loans
• Your business location
• Starting a new business at home
• Making an impression
• Maintenance of inventory
• Making credit policies for your customers
• Mailing and shipping equipments
• Hiring employees
• Benefits for your employee
• Insurance for your business
• Equipments for your business
• Marketing and Promoting your business
• Creating and Marketing your Website
• Using effective selling techniques
• Keeping the customers
• Bookkeeping
• Creating financial statements
• Managing your money
• Your tax obligations
• United States Embassies and Consulates Worldwide