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 Welcome to Covering You with Wealth blogs. Membership is free make sure you register please. Please be respectful to others as members and in blogs. Make sure you send the moderator a friends request after becoming a member. The blog section is an educational section of the website. Here we like to educate every visitor on the things we work with to help build a better financial future for our visitors.

The blogs range from: debt relief, debt calculator, debt reduction, get out of debt, bad credit, improving credit rating, fix credit, how to fix credit, credit help, what is my credit score, how to get a mortgage, what is a mortgage, how to refinance, credit scores, credit history, how can I get a secured credit card, credit cards for bad credit, what is a secured credit card, secured credit cards, personal loans, small business funding, small business loan, funding for small business, small business lending, loans for small business, financing a small business, financing for small business, small business accounting, and accounting for small business.

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Debit Card facts Part 2

Posted by Percy A Lowe on August 15, 2013 at 5:00 AM Comments comments (0)

Who Cares? You should care since you fit the bill.

So far, you may be unimpressed. Who cares how each transaction is processed? You might not, but banks and retailers do. When you do an offline transaction and simply sign a charge slip, the retailer has to pay a small percentage of your total purchase – perhaps 2%. This fee goes to the bank that issued your debit or

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Debit Card facts Part 1

Posted by Percy A Lowe on August 14, 2013 at 6:00 AM Comments comments (0)

When you purchase with plastic you’re often asked if you’d like to make it a debit or credit transaction. What’s the difference? The choice you make determines how your purchase is processed, who pays the bill for that processing, how long it takes, and what your rights are. This page covers how interchange fees work and just ho...

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Posted by Percy A Lowe on July 22, 2013 at 6:30 AM Comments comments (0)

by Frank Coker

Where the P&L tells you how well you are doing during a certain time period, the balance sheet shows how well you have done for the life of your company. The P&L gives you the score for an inning. The Balance Sheet gives you accumulative score for the whole game – plus a whole lot more.

Most business owners have a good feel for their P&L (Profit and Loss Statement, a.k.a., Income Statement). But very few use their Bal...

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Posted by Percy A Lowe on July 20, 2013 at 6:30 AM Comments comments (0)

by Frank Coker

If you have enough money to pay your bills plus take-home pay for the owner, isn’t that enough? Unfortunately it’s usually not that simple. Just covering monthly obligations is not enough. For most businesses, revenues bounce around from month to month, and so do expenses. Even a very profitable company is likely to have times when revenues dip below expenses. And that’s why we care about liquidity. If you don’t have adequate liquidity (weather pro...

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Posted by Percy A Lowe on July 19, 2013 at 6:30 AM Comments comments (0)

by Frank Coker

There are 4 basic financial levers that business owners and entrepreneurs have to work with. Most owners and managers are aware of these, but rarely are they thought about as the “4 pillars” that need to be balanced in order to give their business a solid footing. Getting these right will not guarantee that your business will thrive, but getting one of these wrong will almost certainly pull you down or bring you to a halt.


The basic financia...

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Posted by Percy A Lowe on July 18, 2013 at 6:30 AM Comments comments (0)

Anyone building a business knows that the key to success is good disciplines. One of the biggest reasons for organizational failure is – well – the lack of organization. Without good structure things fall apart. But wait - there is an important counterintuitive piece to this picture.


There are times when structure and discipline can actually get in the way. I realize that some will see this as a sacrilegious idea. We know that all successful companies rely on pr...

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Posted by Percy A Lowe on July 17, 2013 at 5:30 AM Comments comments (0)

by Frank Coker

Goals and budgets are not the same thing. They serve very different purposes, but they overlap and often get confused.


When a goal for financial performance is defined for a company or a business unit, it is generally thought of as a destination. There are usually multiple ways to reach a goal, so there is usually very little about the goal itself that tells you how to get there. In fact, high performance managers intentionally leave room for the team t...

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Posted by Percy A Lowe on July 16, 2013 at 5:30 AM Comments comments (0)

by Frank Coker

Understanding your financial performance as a collection of trend lines changes everything. The invisible will come to light.


I am just returning from a couple of days of presentations at the Tech Data conference in Orlando. I was sponsored by CompTIA to present sessions on finance and business management. As always, I find ways to highlight the many benefits of understanding financial data in terms of trend lines. This can be a challenge because most ...

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Ways a Debt Collector can Violate your rights

Posted by Percy A Lowe on July 16, 2013 at 1:00 AM Comments comments (0)

Often times in our lives we are goingto go through a down time. Just because we do that still don't mean our rights as a consumer should be violated. If you are having any of these issues please please visit the site that this blog came from and fill out an inquiry form to explain your problem. 

Embarrassing calls at work


Calls to neighbors


Threats of jail and even violence.


Taking money without your permission from your bank...

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Posted by Percy A Lowe on July 15, 2013 at 6:30 AM Comments comments (0)

by Frank Coker

When you go in for a routine physical exam, the doctor has a short list of items to check to get a quick picture of your current health status. This quick check tells him with a high degree of certainty how healthy you are and where there might be problems. Some routine items are pretty easy to check such as blood pressure, weight, and pulse. Others are more complex like cholesterol and blood sugar; it takes a lab expert to get at this data.


The first ...

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