Kent State's surprise onside kick to start game backfires in worst way possible

Kent State wanted to gain immediate momentum in their game Saturday afternoon – however, they got anything but.

The Flashes were set to kick to Eastern Michigan, but to the Eagles’ surprise, Kent State went for the onside kick instead.

It didn’t work out, as Eastern Michigan’s Kendric Nowling was able to recover it. And he gained possession of the ball standing up with room to run.

CLICK HERE FOR MORE SPORTS COVERAGE ON FOXNEWS.COM

So, he took off, and instead of what Kent State thought was the worst-case scenario in simply just playing defense at their own 45-yard line, Nowling took it all the way to the house for a game-opening kick return for a touchdown.

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NO. 7 WASHINGTON BEATS NO. 8 OREGON WHEN LAST-SECOND FIELD GOAL MISSES WIDE

That was the beginning of Kent State’s 28-14 loss to the Eagles, as they fell to 1-6 on the season.

Kent State was held scoreless until the end of the third quarter. In their first nine drives, they punted five times, turned it over on downs twice and fumbled once. The other was the end of the first half. The Flashes also lost fumbles on two of their three final drives as they tried to come back.

It was an ugly game in ugly weather overall, as both teams combined for 18 punts. Kent State actually outgained EMU, 343-218, but they were unable to fight back from their attempt at immediate satisfaction.

After their fourth consecutive loss, Kent State will host Buffalo next week. Saturday was Eastern Michigan’s second-straight win, and they will head to Northern Illinois next week.

How to Build an All Star Team of Tier 1 Business Credit Vendors to Kick Off Business Credit

Do you ever feel like trying to get credit for your business is like playing a game, but you don’t know the rules?  Imagine trying to play football but having no clue how the game works. From kick off, you would be doomed to lose. The same is true with business credit. If you don’t know what rules credit providers are playing by, you may feel like it’s a losing game from the beginning.  The best way to kick off business credit is with Tier 1 business credit vendors.

Put Together a Winning Team with Tier 1 Business Credit Vendors

As with any great football program, you need great players and a great coach if you are going to win.  Credit Suite offers great coaching through the7 steps in the Business Credit Builder.  Then, once you work your way through the first couple of steps, you will have no problem recruiting a winning team of Tier 1 business credit vendors in step 3.

Learn more here and get started with building business credit with your company’s EIN and not your SSN.

What Are the First Steps?

Of course, It does you no good to have a team if you don’t have a score board or even a field to play on. So, you have to complete the first two steps to start. Step 1 is to build a fundable foundation. This is how credit providers will see that your business is legitimate and separate from you as the owner.

Here is a quick summary some of the things included in a fundable foundation:

  • Physical address where you can receive mail
  • Toll free phone number listed in the 411 directories
  • EIN
  • Incorporating as an S-corp, LLC, or corporation
  • Dedicated business bank account
  • Proper licensing
  • Business website

After that, you have to establish your business credit reports, which includes getting a D-U-N-S number from Dun & Bradstreet and making sure you are listed with the other business credit reporting agencies. Obviously, you cannot have a business credit score without a business credit report for vendors to report payments to. Establishing this “scoreboard”  is Step 2.

Step 3: Tier 1 Business Credit Vendors

This is the step where you actually start building your business credit. To win the game, you have to choose the right vendors for your team. Without established business credit, it is going to be hard to recruit. You have to go after the right ones for this stage. These are vendors in tier 1, also known as starter vendors.

These vendors lay the groundwork for building a business credit score. They can provide initial accounts that report so that you can get a  business credit score on the board. Just like a winning team is a powerful recruiting tool in football, an initial business credit score opens the possibility of approval for advanced vendor credit accounts.

What Makes a Vendor a Tier 1 Business Credit Vendor

These are usually companies that do not specialize in extending credit. Rather, they are retail businesses that may extend net terms on invoices to their customers as a courtesy. Usually they offer either 30, 60, 90 days or however many days the net terms state, to pay in full.

It’s different from a credit card because it is not revolving credit, and there is no card. They extend this type of credit to customers without depending as heavily on creditworthiness as other vendors do. That’s not to say they just give net terms to anyone. They will just take factors other than business credit into account when determining creditworthiness.

With many of them, if you complete step one and build a strong fundable foundation, you are likely to get approval.

Other Factors to Determine Creditworthiness

These vary from vendor to vendor, but some examples include:

  • Previous or current relationship with the customer
  • Time in business
  • Average balance in business bank account
  • And more

The Importance of Reporting

Vendors that extend net terms without relying solely on business credit reports are hard enough to find. However, to be a true tier 1 business credit vendor, they also have to report positive payment history to the business credit reporting agencies.

Many vendors will report negative payment experiences, but they will not report on-time payments. Unfortunately, this is the case with more than nine out of every ten vendors. As you can imagine, this is a huge problem when it comes to building business credit. You need credit to get credit, and starter vendors that report are the only way to break the cycle.  Yet, they are almost impossible to find on your own.

Why Can’t I Find Tier 1 Business Credit Vendors On My Own?

It’s not totally impossible. But, vendors do not make it easy to figure out how heavily they rely on business credit reports or whether they report payments. That only leaves you with a couple of options if you want to do it on your own.

You can apply for accounts with the vendors you already use. Since they already work with you, they may be willing to offer credit based on your relationship rather than credit history. You can also just apply for vendor accounts and hope for the best. If you monitor your business credit reports, you will be able to see if they are reporting.

Obviously this trial-and-error method has some glaring holes in it. First, there is no telling how long it will take to get approval for just one account. Then, you will not know if they are reporting until you see or don’t see it on your business credit report. You need at least 3 accounts reporting to establish a business credit score. This method takes a lot of time and causes a lot of frustration.  Not only that, you may never get where you need to be before the lack of ability to get funding shuts you down for good.

How to Find Tier 1 Business Credit Vendors

Working with someone who has an inside track on which creditors will extend net credit without a credit check, and report on-time payments, saves time and frustration. You can know you are eligible for approval before you apply. Then, as you get approval and start using the credit, you will know your business credit score is growing because you know the vendor reports.

Many times a business credit specialist can help you find less costly ways to monitor your business credit reports as well.

Examples of Tier 1 Business Credit Vendors

While there are several such vendors in Tier 1 of the Business Credit Builder, seeing examples can help you get an idea of what’s available. Here are a few to get you started, but remember it takes more than one account reporting to move on to tier 2 vendors.

Learn more here and get started with building business credit with your company’s EIN and not your SSN.

Grainger Industrial Supply

This vendor sells hardware, power tools, pumps and more. They report to Dun and Bradstreet, and if a business doesn’t have established credit they will want to see other information like accounts payable, income statement, balance sheets, etc.

They offer net 30, 45, 60, or 90 terms, and qualification requirements include:

  • Being an entity in good standing with the applicable Secretary of State
  • Being registered with the Secretary of State (SOS) for at least 60 days
  • An EIN
  • A business address that is consistent everywhere it is listed
  • A D-U-N-S number
  • All business licenses (if applicable)
  • A business bank account

Uline

Uline sells shipping, packing and industrial supplies. They report to both Dun & Bradstreet and Experian. Before you can get approval for net terms, you MUST create an account with them. They offer net 30 terms.

Qualification requirements include:

  • Being an entity in good standing with Secretary of State
  • An EIN
  • A business address (matching everywhere)
  • D-U-N-S number
  • Business bank account
  • Business phone number listed in 411
  • A D&B PAYDEX score of 80 or better (although if you meet the other requirements you may get approval anyway)

The credit department may require a few prepaid orders before extending net terms.

Learn more here and get started with building business credit with your company’s EIN and not your SSN.

Home Depot Pro

As part of the Home Depot family, they offer facility maintenance supplies. This vendor will not accept virtual addresses. They report to Experian, and offer net 20 terms.

Qualification requirements include:

  • Being an entity in good standing with Secretary of State
  • An EIN
  • Business address (matching everywhere)
  • D-U-N-S number
  • Business license (if applicable)
  • Business bank account
  • Trade/bank references
  • There is no minimum time in business requirement

Using Tier 1 Business Credit to Prepare for the Future

Consider the following example:

A business ships items to customers on a daily basis. In fact, shipping expenses make up a significant portion of business costs. A vendor account with Uline can allow you to stock up on shipping and packing supplies now, before prices get any higher due to continuing inflation. Then, you will be able to avoid raising shipping costs for your customers for a longer period of time.

In addition, it’s no secret that supply chain problems are plaguing most everyone right now. It’s going to get worse before it gets better. Vendor credit will allow you to place orders for things now, in anticipation of the fact that it may take a bit for them to come in.

The Quickest Way to a Touchdown

Once you have a number of tier 1 business credit vendors reporting, you will be able to move on to more advanced vendors. This will allow your business to always have access to the funds it needs to grow. That’s definitely worthy of major points.

The post How to Build an All Star Team of Tier 1 Business Credit Vendors to Kick Off Business Credit appeared first on Credit Suite.

Kick Off a Student Startup and More –10 Brilliant Business Tips of the Week

The Hottest and Most Brilliant Business Tips for YOU – Kick Off a Student Startup and More

Our research ninjas at Credit Suite smuggled out ten amazing business tips for you! Be fierce and score in business with the best tips around the web. You can use them today and see fast results. You can take that to the bank – these are foolproof! You can do more than just kick off a student startup.

Stop making stupid decisions and start powering up your business. Demolish your business nightmares and start celebrating as your business fulfills its promise.

And these brilliant business tips are all here for free! So settle in and scoop up these tantalizing goodies before your competition does!

#10. Get on Google’s Good Side

Our first jaw-dropping tip is all about improving your search engine rankings.  Young Upstarts lays it all out for us.

It’s all about search. Seriously. Because unless you’re a big company (and if you’re reading this blog, then you probably aren’t. Yet), you are going to depend on people discovering you. There are, of course, things you can do offline. Send out paper newsletters, buy radio ads, go to conventions, or hand out flyers. Buy billboard space or run ads on TV. But you also have to get discovered online. Yes, even if your demographic group isn’t normally online. Why? Because their friends or family undoubtedly are.

Hitting the top of Google searching rankings is key!

Discovering You

So you’re scanning the internet horizon for figurative ships. How do you send up a signal flare to them? We really loved the idea of essentially asking typical questions and then answering them in your blog or other website copy.

Where can I find a great auto mechanic? Who makes the best gnocchi? Which home projects will add the most value to my house? How do I introduce a new puppy into my household? What is the best way to get an ink stain out of a dress shirt? When is the local Little League team next playing? Why can’t I mix bleach and ammonia?

Asking and answering questions on your website can help you rank on Google – so long as those are the questions your customers and prospects are asking.

#9. More Love for Google – and Facebook – Ads

The next awesome tip is about writing your best-ever Google and Facebook ads. Wordstream does us a huge favor! There are two great tips per platform. We loved this article so much that we think you should click through and read the whole thing.

Yes, it’s worth it.

Platforms and Uniqueness

It used to be, if you were advertising in the local penny saving paper and the area’s big newspaper, you would use the same or almost the same ads. Don’t do that here.

For Google, the best takeaway, we feel, is to get to the point fast and make every letter count. Most people are just scanning Google, so you want to get them as quickly as you can.

And for Facebook, we think the best point is to blend in. After all, how often do you click on obvious ads on Facebook?

We’ll wait.

Okay, we got tired of waiting. But in all seriousness, many people go to Facebook to connect with family and friends, and to relax. They may or may not be shopping. But while they’re busy looking at a cousin’s new baby or playing Words With Friends, or arguing politics, they are still the same people who need haircuts or to sell their homes or ship their goods out of state.

When an ad looks a lot like something that isn’t an ad, it can really shine on Facebook.

Student Startup Credit Suite

If you are as passionate about succeeding in business as we are, please help us spread the word about how to take the plunge and save time and money – and your sanity! Kick off a student startup and more!

#8. A Place for Every File – And Every File in its Place

Our following life-changing tip concerns getting organized with a filing system that works for your office. Small Biz Trends gets us in line. Now, this article is about paper files. But the truth is, you can adapt it for computer files with almost no effort. But first, let’s look at paper.

Sort, Classify, and Keep it all Together

After talking to your staff about filing – because they’re going to be using the system, too – sort your documents! Maybe you thought there would be a lot of documents from the Houston office, but it turns out you only have 5, whereas you have 500 from your Little Rock office. Then you’d best make sure your system allows for different amounts of storage for each section.

Tag everything! And hey, that works for purely electronic files as well. If you are, say, a wedding photographer, your sections might be something like traditional, religious, LGBTQ+, and destination. As a result, for weddings with a full Catholic mass, you should tag them as religious.

Pro tip: to adapt for purely electronic files, use the tags section of Microsoft Office documents. And when it comes to Google docs, you can do it with a naming convention. That naming convention can work for both your documents and the folders they live in.

Think of one thing, and one only – if someone arrived tomorrow, and they had never seen your office or files or industry before, would they be able to find most things? If not, then it’s time to get organized.

#7. Unwind Your Brain and Dust Out Your Mental Cobwebs

Speaking of getting organized, for our next sensational tip, we looked at decluttering our incredibly busy days.  Entrepreneur tells us something we already know or at least can guess. That is, our lives are filled to the overflowing with … stuff. We are on constantly. We are distracted every moment.

Egad, that’s no way to live.

So this great article has some ideas for cleaning out some of that detritus. One of our favorite ideas was strategic time blocking. That is, the concept is to list what you need to do and rank them in order by priority level. Then block off time periods to get each of these tasks done – and focus only on that task during the allotted time frame.

This is, by the way, how your intrepid blog writer gets these Friday blog posts accomplished. Writing time is spent, well, writing. It’s not spent answering emails. Does this mean there are never any breaks? Of course not. And if a quick email will get someone unstuck, then it’s done. But otherwise, the time is spent getting the blog post written and out the door.

More on this kind of focus in Tip #5.

#6. CPR For Your Startup Dream

This tip is so cool, and it works! Entrepreneur tells us all about keeping the startup dream alive.

Our favorite tip was about preventing burnout. The idea is to, essentially, cultivate a growth mindset. How can things change? And how can your company benefit from such changes?

This dovetails well with another tip, to have a business plan which allows for change. And that makes a lot of sense to us. Consider this: a decade ago, would you have believed it if someone told you that you could get same-day delivery from a non-local company? Yet you can with Amazon. Would you have believed it if someone told you people would open up their spare rooms and rent them out to vacationers? Yet that is precisely what AirBnB is all about.

So why assume anything is going to always be the same. Business is kind of like a shark that way. It keeps moving forward, or else it stagnates.

#5. It’s Time to Kick Off a Student StartupStart a business in college and more fabulous business tips Credit Suite

So, speaking of startups…

Grab this mind-blowing tip while it’s hot!

If you’ve ever begun a business while still listening to lectures, then you’ve undoubtedly kicked off a student startup. But how do you do it? Noobpreneur says you just might never be too young to start a business. So why not kick off your student startup while you’re still going to class?

Balance Your Life and Your Student Startup

We loved this tip! Because it speaks to something that is an issue for, well, just about everyone. That is, just when do you say no? When and how do you turn off the clock and phone? What happens when you put the laptop to bed?

Of course your new student startup business is wildly important. But so is your education! Considering how many small businesses fail, it behooves you to continue and complete your schooling.

Just like not quitting your day job until you’re absolutely certain your business can make it financially – don’t quit your school, either.

Focus! Also Known As: Ignore the Squirrels

This tip is good for anyone, any age, any generation. Basically, of course, we all need to focus and master the clock. This means creating a schedule, and sticking with it. Why? Because it means certain aspects of your life can go on autopilot. It makes those tasks a lot easier.

So it’s story time.

A Fer-Instance

Consider this: you set your alarm clock for, say, 6:30 AM every day. While you don’t necessarily micromanage every moment of every day, you finish eating, working out, and showering by 7:30 AM every day. Sometimes you’re ready at 7:29:59. Sometimes you’re early. But no matter what, you hit that drop dead time of 7:30.

As a result, you make it to the 8:00 AM commuter train almost every single morning. Every now and then, there’s traffic when you’re driving to the station. Or you can’t find a parking spot in time. And if you walk, there are going to be days when the going is slow, such as there’s a lot of snow on the ground, and your neighbors haven’t cleared it yet.

For a good 200 – 250 days per year of work, you make it to the 8:00 train over 95% of the time. That is, 190 – 238 days per year, you get to work on time. Hey, that’s awesome.

And Then There’s This …

Now let’s look at what happens when you don’t set your alarm clock. Or maybe you do, but you have to remember to do so. And like most people, you don’t remember every single thing you need to do. So sometimes you just plain forget. Now you get up at 7:00 AM when the alarm isn’t set. That is, you’re not sleeping till noon.

But now you’ve got choices to make. Do you work out and miss your train? If you do, then the 8:15 AM train will probably be more crowded. And more so for the 8:30 AM train. And if you thought it was hard to find a parking spot at around 7:55 AM, it’s going to be considerably harder at 8:25 AM. So you might be at the station on time but you miss the next train anyway, because you can’t find a place to keep your car.

Or let’s say you skip the workout and get in on time. Er, yay? Kinda, sorta. But you miss out on the energy boost you get from working out. You break your streak. And maybe it gets harder to focus.

Of course these are simple examples. And pretty much everyone has some sort of an alarm. But consider what life would be like if you put a hard end time on your binge watching? Or if you laid down a mental law where you can’t spend more than 5 minutes selecting your clothes for the day?

Tick tock.

Student Startup Credit Suite

If you are as passionate about succeeding in business as we are, please help us spread the word about how to take the plunge and save time and money – and your sanity! Kick off a student startup and more!

#4. Selling Your Products and Services By the ‘Gram

Check out this spectacular tip, all about selling on Instagram. Foundr tells us this platform has more features for sellers of goods rather than services. But that doesn’t mean companies which sell services are out in the cold! Rather, they need to be a bit more creative.

One great tip we liked was to do Instagram Live. This doesn’t require you to be a seller of goods to work! So, what do you do if you don’t sell stuff? How about a quick how-to? Or a tipoff of when you’re next having a sale – or where your next new outlet is opening? Maybe you can offer a fast tip to help your followers.

You have expertise. Now share it live on Instagram!

#3. Let’s Be Business Friends!

It’s not your imagination: this winning tip can help you forge new relationships with collaborators and customers. Copyblogger lets us know how.

Our favorite tip, hands down, was to craft a shareable summary. Because the last thing most people want is a long, drawn-out pitch or explanation.

Why, It’s a Lot Like This …

Elevator pitches. They didn’t go out with shoulder pads. They are as relevant today as they ever were before. And, it can be argued, they are even more vital now. After all, how much free time have you got these days?

If you said ‘not much’, then you are far from alone. So how do you summarize a complex concept? And, more importantly, how do you get people to want more than just your summary.

Here comes a secret from the world of publishing.

Blurbs.

Hear us out.

Back Cover Copy

Grab a paperback off your shelf. Doesn’t matter which one. Look at the blurb on the back.

It began for the Losers on a day in June of 1958, the day school let out for the summer.

That’s the first sentence of the blurb for a book that’s over 1100 pages long – Stephen King’s It. You don’t have to read 1100 pages to know what the book is all about. You don’t even have to read 100. The entire blurb is 16 sentences long, and it makes you want to read more.

Consider a similar exercise for your summary. Your summary will undoubtedly be longer than 16 sentences. But it’s got the same purpose – give information, enough so a person knows what’s going on.

And then give them a reason to want to know more.

#2. On Bended Knee, Engage Your Customers

Our second to last unbeatable tip can give you a new perspective on creatively increasing customer engagement.  Succeed As Your Own Boss states there are some great ways to actively engage your current customers. Some are a bit involved and may be costly. Others are pretty easy to implement.

But it all comes down to one irrefutable truth – keeping your current customers is easier than cultivating new ones. And it’s also cheaper! So instead of thinking – what have you done for me lately? – adopt an attitude of gratitude.

Also, you can enlist your employees to the cause. Consider this – what if your company does tech support? There’s a big difference between bored workers who can’t wait to get a customer off the line and enthusiastic, interested employees who are friendly and offer extras.

Case in Point

Your intrepid blog writer has a website and a blog. As in, not for work. And like many websites, there have on occasion been technical issues. Contacting the internet service provider is a decent experience. The downsides are wait times. But that’s understandable once you realize what the tech support people are doing.

Tech support goes the extra mile. They suggest products which can prevent future issues – and they often find discounts for those products. Or they hand out their direct numbers and ask for a call back to find out if everything is still going all right.

Are these employees incentivized? Probably. But they can still make customers feel special. And they can convert angry customers who are ready to quit into customers who want to stay. You know, customers who just might blog about their experiences for work. Like, er, me.

#1. Permanent Solutions to Temporary Business Problems

We saved the best for last. For our favorite remarkable tip, we focused on the Holy Grail – solving business problems – for good! Entrepreneurs’ Organization says there are some pretty permanent ways to solve systemic issues.

Our fave tip was the first one – to get to the root cause of issues. But we caution you, gentle reader, that sometimes this can be a little painful. It can feel a touch too much like rocking the business boat. But you’re going to need to rock it anyway.

Case in point.

Dig Up the Roots of Your Business Problems

Over 35 years ago (egad, has it really been that long?), your intrepid blog writer practiced law. Well, one year, secretary after secretary found a new job. Or they would take maternity leave and never return. One retired. Why?

It all came down to one reason – the office manager. Once the managing partner started exit interviews, the truth came out. This office manager had been an expensive hire, and was supposed to be efficient.

Yet the quite literal bottom line is, efficiency isn’t worth a hill of beans if all of the employees abandon ship.

So the office manager was shown the door. And the clerical staff stopped finding other jobs. The ones on maternity came back – and the firm could ooh and ahh at the pictures of their little ones. All it took was digging at the root of the problem, even though it was not an easy decision.

You can make those decisions, too. And you can get to the heart of your business problems, and change things for the better.

So which one of our brilliant business tips was your favorite? And which one will you be implementing now?

Student Startup Credit Suite

If you are as passionate about succeeding in business as we are, please help us spread the word about how to take the plunge and save time and money – and your sanity! Kick off a student startup and more!

The post Kick Off a Student Startup and More –10 Brilliant Business Tips of the Week appeared first on Credit Suite.