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	<title>Bigg Successgoogle | Bigg Success</title>
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	<description>Life On Your Own Terms</description>
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		<itunes:summary>Life On Your Own Terms</itunes:summary>
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		<title>Chris Brogan on Google+ for Business – Part 3</title>
		<link>http://biggsuccess.com/2012/04/12/chris-brogan-on-google-for-business-part-3/</link>
		<comments>http://biggsuccess.com/2012/04/12/chris-brogan-on-google-for-business-part-3/#comments</comments>
		<pubDate>Thu, 12 Apr 2012 11:00:09 +0000</pubDate>
		<dc:creator>George Krueger &#38; Mary-Lynn Foster</dc:creator>
				<category><![CDATA[Business]]></category>
		<category><![CDATA[audioblog]]></category>
		<category><![CDATA[bigg success]]></category>
		<category><![CDATA[chris brogan]]></category>
		<category><![CDATA[george krueger]]></category>
		<category><![CDATA[google]]></category>
		<category><![CDATA[google plus]]></category>
		<category><![CDATA[interview]]></category>
		<category><![CDATA[mary-lynn foster]]></category>
		<category><![CDATA[podcast]]></category>
		<category><![CDATA[small business]]></category>
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		<guid isPermaLink="false">http://biggsuccess.com/?p=5667</guid>
		<description><![CDATA[We wrapped up our discussion with Chris Brogan today on The BIGG Success Show. Chris is the President of Human Business Works, a media and education company. He is the New York Times best-selling author of Trust Agents, Social Media 101, and his latest Google+ for Business. In Part 1, Chris shared why small businesses...]]></description>
			<content:encoded><![CDATA[<p><span style="font-family: Verdana;"><a href="http://biggsuccess.com/wp-content/uploads/2012/04/Google+-for-Business-Book-Cover.jpg"><img class="alignright size-full wp-image-5673" style="margin: 5px;" title="Google+ for Business Book Cover" src="http://biggsuccess.com/wp-content/uploads/2012/04/Google+-for-Business-Book-Cover.jpg" alt="Google+ for Business Book Cover | Interview with Chris Brogan" width="165" height="246" /></a>We wrapped up our discussion with<br />
<span style="color: #4f81bd;"><a title="http://www.chrisbrogan.com/" href="http://www.chrisbrogan.com/" target="_blank">Chris Brogan</a> </span>today on <em>The BIGG Success Show</em>. Chris is the President of<br />
<a title="http://www.humanbusinessworks.com/" href="http://www.humanbusinessworks.com/" target="_blank"><span style="color: #4f81bd;">Human Business Works</span></a>, a media and<br />
education company.<br />
</span></p>
<p><span style="font-family: Verdana;">He is the New York Times best-selling author of <em>Trust Agents</em>, <em>Social Media 101</em>, and his latest <em>Google+ for Business</em>.<br />
</span></p>
<p><span style="font-family: Verdana;">In <a title="http://biggsuccess.com/2012/04/10/chris-brogan-on-google-for-business-part-1/" href="http://biggsuccess.com/2012/04/10/chris-brogan-on-google-for-business-part-1/" target="_blank"><span style="color: #4f81bd;">Part 1</span></a>, Chris shared why small businesses &amp; entrepreneurs should get on board with Google+. <a title="http://biggsuccess.com/2012/04/11/chris-brogan-on-google-for-business-part-2/" href="http://biggsuccess.com/2012/04/11/chris-brogan-on-google-for-business-part-2/" target="_blank"><span style="color: #4f81bd;">Last time</span></a>, he talked about the primary difference between Google+ and Facebook, Twitter, and LinkedIn.<br />
</span></p>
<p><span style="font-family: Verdana;">Listen to this show to discover:<br />
</span></p>
<ul>
<li><span style="font-family: Verdana;">what a &#8220;warm&#8221; sell is<br />
</span></li>
<li><span style="font-family: Verdana;">why it converts.<br />
</span></li>
<li><span style="font-family: Verdana;">how social media helps you build relationships for your &#8220;warm&#8221; sell<br />
</span></li>
<li><span style="font-family: Verdana;">why social media is such a great way for your customers to share their good buying experiences with you<br />
</span></li>
</ul>
<p><span style="font-family: Verdana;"><em>Click a player to hear Chris talk with George &amp; Mary-Lynn on The BIGG Success Show Podcast. (Show length 4:25)</em></span><br />
<br />
<span style="font-family: Verdana;"><em>iPhone/iPad/Mobile Podcast Player<br />
</em></span><br />
<div id="haiku-player1" class="haiku-player"></div><div id="player-container1" class="player-container"><div id="haiku-button1" class="haiku-button"><a title="Listen to The BIGG Success Show #801" class="play" href="http://traffic.libsyn.com/biggsuccess/00801-041212.mp3"><img alt="Listen to The BIGG Success Show #801" class="listen" src="http://biggsuccess.com/wp-content/plugins/haiku-minimalist-audio-player/resources/play.png"  /></a>
		
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<br />
<span style="font-family: Verdana;">We&#8217;ve followed Chris&#8217; work since before we started BIGG success. He influences our thinking almost daily.<br />
</span></p>
<p><span style="font-family: Verdana;">He&#8217;s done it again with <span style="color: #4f81bd;"><a title="http://www.chrisbrogan.com/google-plus/" href="http://www.chrisbrogan.com/google-plus/" target="_blank">Google+ for Business</a><span style="color: black;">. We know you&#8217;ll benefit greatly from reading this book.<br />
</span></span></span></p>
<p><span style="font-family: Verdana;">We thank Chris for sharing his wisdom with us. And we thank you for the gift or your time. Until tomorrow, here&#8217;s to your BIGG success!</span></p>
<p><strong>Direct link to The Bigg Success Show audio file | podcast: </strong><br />
<a title="The Bigg Success Show Audio File | podcast" href="http://traffic.libsyn.com/biggsuccess/00801-041212.mp3" target="_blank">http://traffic.libsyn.com/biggsuccess/00801-041212.mp3</a></p>
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		<title>Chris Brogan on Google+ for Business – Part 2</title>
		<link>http://biggsuccess.com/2012/04/11/chris-brogan-on-google-for-business-part-2/</link>
		<comments>http://biggsuccess.com/2012/04/11/chris-brogan-on-google-for-business-part-2/#comments</comments>
		<pubDate>Wed, 11 Apr 2012 11:00:30 +0000</pubDate>
		<dc:creator>George Krueger &#38; Mary-Lynn Foster</dc:creator>
				<category><![CDATA[Business]]></category>
		<category><![CDATA[audioblog]]></category>
		<category><![CDATA[bigg success]]></category>
		<category><![CDATA[chris brogan]]></category>
		<category><![CDATA[george krueger]]></category>
		<category><![CDATA[google]]></category>
		<category><![CDATA[google plus]]></category>
		<category><![CDATA[interview]]></category>
		<category><![CDATA[mary-lynn foster]]></category>
		<category><![CDATA[podcast]]></category>
		<category><![CDATA[small business]]></category>
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		<category><![CDATA[the bigg success show]]></category>

		<guid isPermaLink="false">http://biggsuccess.com/?p=5666</guid>
		<description><![CDATA[On The BIGG Success Show today, we continued our conversation with Chris Brogan. He is the President of Human Business Works, a media and education company. He is the New York Times best-selling author of Trust Agents, Social Media 101, and his latest Google+ for Business. Last time, we discussed why small businesses &#38; entrepreneurs...]]></description>
			<content:encoded><![CDATA[<p><span style="font-family: Verdana;"><a href="http://biggsuccess.com/wp-content/uploads/2012/04/Google+-for-Business-Book-Cover.jpg"><img class="alignright size-full wp-image-5673" style="margin: 5px;" title="Google+ for Business Book Cover" src="http://biggsuccess.com/wp-content/uploads/2012/04/Google+-for-Business-Book-Cover.jpg" alt="Google+ for Business Book Cover | Interview with Chris Brogan" width="165" height="246" /></a>On <em>The BIGG Success Show</em> today, we continued our conversation with <a title="http://www.chrisbrogan.com/" href="http://www.chrisbrogan.com/" target="_blank"><span style="color: #4f81bd;">Chris Brogan</span></a>. He is the President of <a title="http://www.humanbusinessworks.com/" href="http://www.humanbusinessworks.com/" target="_blank"><span style="color: #4f81bd;">Human Business Works</span></a>, a media and education company.<br />
</span></p>
<p><span style="font-family: Verdana;">He is the New York Times best-selling author of <em>Trust Agents</em>, <em>Social Media 101</em>, and his latest <em>Google+ for Business</em>.<br />
</span></p>
<p><span style="font-family: Verdana;"><a title="http://biggsuccess.com/2012/04/10/chris-brogan-on-google-for-business-part-1/" href="http://biggsuccess.com/2012/04/10/chris-brogan-on-google-for-business-part-1/" target="_blank"><span style="color: #4f81bd;">Last time</span></a>, we discussed why small businesses &amp; entrepreneurs should get on board with Google+. In this session, you&#8217;ll hear:<br />
</span></p>
<ul>
<li><span style="font-family: Verdana;">why Google+ is &#8220;more open than Facebook, more deep than Twitter, more rounded than LinkedIn&#8221;<br />
</span></li>
<li><span style="font-family: Verdana;">what Circles are and how they work<br />
</span></li>
<li><span style="font-family: Verdana;">why segmenting your Circles is such a valuable tool<br />
</span></li>
<li><span style="font-family: Verdana;">a unique way to distribute &#8220;how-to&#8221; information to your customers using Google+<br />
</span></li>
<li><span style="font-family: Verdana;">content marketing strategies that keep people engaged with your business<br />
</span></li>
<li><span style="font-family: Verdana;">how to combine your personal &amp; professional lives on any social media channel<br />
</span></li>
</ul>
<p><span style="font-family: Verdana;"><em>Click a player to hear Chris talk with George &amp; Mary-Lynn on The BIGG Success Show Podcast. (Show length 10:00)<br />
</em></span><br />
<br />
<span style="font-family: Verdana;"><em>iPhone/iPad/Mobile Podcast Player<br />
</em></span><br />
<div id="haiku-player2" class="haiku-player"></div><div id="player-container2" class="player-container"><div id="haiku-button2" class="haiku-button"><a title="Listen to The BIGG Success Show #800" class="play" href="http://traffic.libsyn.com/biggsuccess/00800-041112.mp3"><img alt="Listen to The BIGG Success Show #800" class="listen" src="http://biggsuccess.com/wp-content/plugins/haiku-minimalist-audio-player/resources/play.png"  /></a>
		
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<br />
<span style="color: #4f81bd; font-family: Verdana;"><a title="http://www.chrisbrogan.com/google-plus/" href="http://www.chrisbrogan.com/google-plus/" target="_blank">Google+ for Business</a> <span style="color: black;">is a fantastic book which we highly recommend to you.<span style="color: blue; text-decoration: underline;"><br />
</span></span></span></p>
<p><span style="font-family: Verdana;">Please check back tomorrow when Chris tells us what a &#8220;warm&#8221; sell is.</span></p>
<p><strong>Direct link to The Bigg Success Show audio file | podcast: </strong><br />
<a title="The Bigg Success Show Audio File | podcast" href="http://traffic.libsyn.com/biggsuccess/00800-041112.mp3" target="_blank">http://traffic.libsyn.com/biggsuccess/00800-041112.mp3</a></p>
]]></content:encoded>
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		<item>
		<title>Chris Brogan on Google+ for Business – Part 1</title>
		<link>http://biggsuccess.com/2012/04/10/chris-brogan-on-google-for-business-part-1/</link>
		<comments>http://biggsuccess.com/2012/04/10/chris-brogan-on-google-for-business-part-1/#comments</comments>
		<pubDate>Tue, 10 Apr 2012 11:00:54 +0000</pubDate>
		<dc:creator>George Krueger &#38; Mary-Lynn Foster</dc:creator>
				<category><![CDATA[Business]]></category>
		<category><![CDATA[audioblog]]></category>
		<category><![CDATA[bigg success]]></category>
		<category><![CDATA[chris brogan]]></category>
		<category><![CDATA[george krueger]]></category>
		<category><![CDATA[google]]></category>
		<category><![CDATA[google plus]]></category>
		<category><![CDATA[interview]]></category>
		<category><![CDATA[mary-lynn foster]]></category>
		<category><![CDATA[podcast]]></category>
		<category><![CDATA[small business]]></category>
		<category><![CDATA[small business owners]]></category>
		<category><![CDATA[social media]]></category>
		<category><![CDATA[the bigg success show]]></category>

		<guid isPermaLink="false">http://biggsuccess.com/?p=5665</guid>
		<description><![CDATA[We were honored today to chat with Chris Brogan on The BIGG Success Show. In case you don&#8217;t know Chris, he is the President of Human Business Works, a media and education company. He is one of the original Trust Agents, the title of a New York Times best-selling book he co-authored. He&#8217;s one of...]]></description>
			<content:encoded><![CDATA[<p><span style="font-family: Verdana;"><a href="http://biggsuccess.com/wp-content/uploads/2012/04/Google+-for-Business-Book-Cover.jpg"><img class="alignright size-full wp-image-5673" title="Google+ for Business Book Cover" src="http://biggsuccess.com/wp-content/uploads/2012/04/Google+-for-Business-Book-Cover.jpg" alt="Google+ for Business Book Cover | Interview with Chris Brogan" width="165" height="246" /></a>We were honored today to chat with <span style="color: #4f81bd;"><br />
<a title="http://www.chrisbrogan.com/" href="http://www.chrisbrogan.com/" target="_blank">Chris Brogan</a> </span>on <em>The BIGG Success Show</em>. In<br />
case you don&#8217;t know Chris, he is the President<br />
of <a title="http://www.humanbusinessworks.com/" href="http://www.humanbusinessworks.com/" target="_blank"><span style="color: #4f81bd;">Human Business Works</span></a>, a media and education company. He is one of the original <em>Trust Agents</em>, the title of a New York Times best-selling book he co-authored.<br />
</span></p>
<p><span style="font-family: Verdana;">He&#8217;s one of the superstars of social media according to <em>Forbes</em> and <em>Ad Age</em>. We could go on and one but we&#8217;ll also just include that he&#8217;s one of our absolute favorite people.<br />
</span></p>
<p><span style="font-family: Verdana;">He&#8217;s here to chat with us today about <em>Google+ for Business</em>, his latest book. Listen to this first of a three-part interview to discover:<br />
</span></p>
<ul>
<li><span style="font-family: Verdana;">what &#8220;human business&#8221; means<br />
</span></li>
<li><span style="font-family: Verdana;">the three edges to the triangle of your community<br />
</span></li>
<li><span style="font-family: Verdana;">why you need all three to make your business work<br />
</span></li>
<li><span style="font-family: Verdana;">why small business owners and entrepreneurs should get on Google+<br />
</span></li>
<li><span style="font-family: Verdana;">How &#8220;search + your world&#8221; will effect the way your business comes up in Google Search<br />
</span></li>
</ul>
<p><span style="font-family: Verdana;"><em>Click a player to hear Chris talk with George &amp; Mary-Lynn on The BIGG Success Show Podcast. (Show length 7:55)<br />
</em></span><br />
<br />
<span style="font-family: Verdana;"><em>iPhone/iPad/Mobile Podcast Player<br />
</em></span><br />
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	</div><!-- player_container-->
	
<br />
<span style="font-family: Verdana;">We highly recommend that you check out Chris&#8217; work and get his book <span style="color: #4f81bd;"><a title="http://www.chrisbrogan.com/google-plus/" href="http://www.chrisbrogan.com/google-plus/" target="_blank">Google+ for Business</a><span style="color: black;">. <span style="color: blue; text-decoration: underline;"><br />
</span></span></span></span></p>
<p><span style="font-family: Verdana;">Join us next time when Chris tells us why Google+ is &#8220;more open than Facebook, more deep than Twitter, more rounded than LinkedIn.&#8221;</span></p>
<p><strong>Direct link to The Bigg Success Show audio file | podcast: </strong><br />
<a title="The Bigg Success Show Audio File | podcast" href="http://traffic.libsyn.com/biggsuccess/00799-041012.mp3" target="_blank">http://traffic.libsyn.com/biggsuccess/00799-041012.mp3</a></p>
]]></content:encoded>
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		<title>The 5 Components of Your Credit Rating</title>
		<link>http://biggsuccess.com/2009/07/07/the-5-components-of-your-credit-rating/</link>
		<comments>http://biggsuccess.com/2009/07/07/the-5-components-of-your-credit-rating/#comments</comments>
		<pubDate>Tue, 07 Jul 2009 07:00:13 +0000</pubDate>
		<dc:creator>George Krueger &#38; Mary-Lynn Foster</dc:creator>
				<category><![CDATA[Money]]></category>
		<category><![CDATA[assets]]></category>
		<category><![CDATA[audio]]></category>
		<category><![CDATA[audioblog]]></category>
		<category><![CDATA[balance sheet]]></category>
		<category><![CDATA[bigg success]]></category>
		<category><![CDATA[bills]]></category>
		<category><![CDATA[credit card balance]]></category>
		<category><![CDATA[credit cards]]></category>
		<category><![CDATA[credit report]]></category>
		<category><![CDATA[credit score]]></category>
		<category><![CDATA[debt]]></category>
		<category><![CDATA[fair isaac corporation]]></category>
		<category><![CDATA[fico score]]></category>
		<category><![CDATA[five elements]]></category>
		<category><![CDATA[george krueger]]></category>
		<category><![CDATA[google]]></category>
		<category><![CDATA[investment opportunities]]></category>
		<category><![CDATA[life]]></category>
		<category><![CDATA[mary-lynn foster]]></category>
		<category><![CDATA[mashable]]></category>
		<category><![CDATA[media]]></category>
		<category><![CDATA[payment history]]></category>
		<category><![CDATA[podcast]]></category>
		<category><![CDATA[rating]]></category>
		<category><![CDATA[the bigg success show]]></category>

		<guid isPermaLink="false">http://biggsuccess.com/?p=1844</guid>
		<description><![CDATA[Bigg success is life on your own terms. Our focus today is on money, one of the five elements of bigg success. Specifically, we want to talk about an asset that is particularly valuable now. Yet it doesn&#8217;t show up on your Balance Sheet. It&#8217;s your credit score. ___ ___ Target credit This was highlighted...]]></description>
			<content:encoded><![CDATA[<p><img src="http://biggsuccess.com/wp-content/uploads/2009/07/credit_cards.jpg" border="1" alt="credit_cards" hspace="10" vspace="1" width="155" align="right" />Bigg success is life on your own terms. Our focus today is on money, one of the five elements of bigg success.
<p>Specifically, we want to talk about an asset that is particularly valuable now. Yet it doesn&rsquo;t show up on your Balance Sheet. It&rsquo;s your credit score.</p>
<p style="background-color: #ffffff"><font color="#ffffff">___</font></p>
<h3></h3>
<p style="background-color: #ffffff"><font color="#ffffff">___</font></p>
<h3>Target credit</h3>
<p>This was highlighted in a recent post over at <em>Mashable</em> about <a href="http://mashable.com/2009/06/29/google-credit/" target="_blank" title="Mashable.com: Google Credit">Google ads targeting people with high credit scores</a>. People with good credit are positioned to take advantage of these times. Not just with consumer goods, but also with investment opportunities. There are some great deals out there on real estate and businesses.</p>
<p>In addition, people with good credit will get better rates on the money they borrow. So if you have a good credit score, protect it like any other asset.</p>
<h3>FICO</h3>
<p>FICO was developed by the Fair Isaac Corporation. They have a great piece that explains <a href="http://www.nasfaa.org/subhomes/annualconference2006/handouts2006/s065privateloansandcreditscores2.pdf" target="_blank" title="NASFFA.org: Understanding Your FICO Score">how your FICO score is determined [PDF]</a>. We&rsquo;ll summarize it here, but we highly recommend you read their article if you want to know all the details.</p>
<p>Your FICO score can range from 300 to 850. Obviously, higher scores are better. Anything over 720 is considered SuperPrime according to the <em>Mashable</em> post. These are the people Google is targeting in their new ad program.</p>
<p>We&rsquo;ll look at the five components of your FICO score (along with the weight given to each one for the general population).</p>
<h3>Your payment history (35%)</h3>
<p>Pay your bills on time. It&rsquo;s probably no surprise that this is the single biggest factor in determining your score. If you&rsquo;re not current, work hard to get current and stay there.</p>
<h3>The amounts you owe (30%)</h3>
<p>We found it interesting that, even if you pay your credit card balance in full every month, you may still show a balance on your credit report. It shows the balance posted on your most recent statement.</p>
<p>One myth they debunk is that you should close accounts so you don&rsquo;t have too many credit cards. If you&rsquo;re in good standing with no balance on an account, it doesn&rsquo;t affect your FICO score.</p>
<p>However, you are better off having fewer cards with a balance. It&rsquo;s also better to have a small amount outstanding compared to your available credit line.</p>
<p>Be careful not to have too much credit available. It can actually hurt your FICO score. So don&rsquo;t get, or keep, credit cards you know you&rsquo;ll never use.</p>
<h3>Length of credit history (15%)</h3>
<p>Here they look at the age of your accounts in general as well as how long it&rsquo;s been since you used your account. One tidbit we found interesting:</p>
<p>If you just established credit for the first time, you&rsquo;ll hurt your FICO score if you open too many accounts too quickly.</p>
<h3>New credit (10%)</h3>
<p>Here they look at what&rsquo;s going on now. What credit have you applied for recently? How are you doing on those payments?</p>
<p>This is good news for people coming out of a period of late payments. Just remember, though, it gets a relatively small weighting.</p>
<h3>The types of credit you use (10%)</h3>
<p>You want a mix of both revolving credit lines and installment debt. For example, a credit card along with a car loan would include both types of credit.</p>
<p>Your credit rating is an important asset. It affects your credit capacity. Your credit capacity may help you fund your next bigg opportunity!</p>
<p style="background-color: #ffffff"><font color="#ffffff">___</font></p>
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<th align="left"><font color="#800080">Get the tips and tools you need to be a BIGG success.<br /> </font><font color="#800080"><a href="http://visitor.constantcontact.com/d.jsp?m=1101877930203&amp;amp;p=oi" target="_blank" title="Subscribe to the Bigg Success Weekly">Subscribe to the Bigg Success Weekly</a></font><font color="#800080"> &ndash; it&rsquo;s FREE! </font></th>
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<p style="background-color: #ffffff"><font color="#ffffff">___</font></p>
<p>Thanks for sharing some of your time with us today. Please join us next time when we talk about a higher level of problem-solving. Until then, here&rsquo;s to your bigg success!</p>
<p><a href="http://phobos.apple.com/WebObjects/MZStore.woa/wa/viewPodcast?id=269019283" target="_blank" title="Subscribe to The Bigg Success Show in iTunes. "><strong>Subscribe to The Bigg Success Show in iTunes.&nbsp;</strong></a></p>
<p><strong><a href="http://feeds.feedburner.com/BiggSuccess" target="_blank" title="Subscribe to the Bigg Success feed.">Subscribe to the Bigg Success feed.</a></strong></p>
<p><strong>Direct link to The Bigg Success Show audio file: </strong><br /> <a href="http://media.libsyn.com/media/biggsuccess/00431-070709.mp3" target="_blank" title="The Bigg Success Show Audio File #431">http://media.libsyn.com/media/biggsuccess/00431-070709.mp3</a></p>
<p><strong>Related posts </strong></p>
<p><a href="http://biggsuccess.com/2009/02/23/savers-spenders-and-investors/" title="Savers Spenders and Investors">Savers Spenders and Investors</a></p>
<p><a href="http://biggsuccess.com/2008/10/06/squirrels-nuts-and-business-cycles/" title="Squirrels, Nuts and Business Cycles">Squirrels, Nuts and Business Cycles</a></p>
<p> <em><strong>(Image by <a href="http://www.flickr.com/photos/andresrueda/3274955487/" target="_&quot;blank&quot;">Andres Rueda</a>,<a href="http://creativecommons.org/licenses/by-nd/2.0/deed.en-us" target="_&quot;blank&quot;">CC 2.0</a>)      </strong></em></p>
]]></content:encoded>
			<wfw:commentRss>http://biggsuccess.com/2009/07/07/the-5-components-of-your-credit-rating/feed/</wfw:commentRss>
		<slash:comments>7</slash:comments>
		<enclosure url="http://media.libsyn.com/media/biggsuccess/00431-070709.mp3" length="1" type="audio/mpeg"/>
<itunes:duration>00:01:01</itunes:duration>
		<itunes:subtitle>Bigg success is life on your own terms. Our focus today is on money, one of the five elements of bigg success. Specifically, we want ...</itunes:subtitle>
		<itunes:summary>Bigg success is life on your own terms. Our focus today is on money, one of the five elements of bigg success. Specifically, we want to talk about an asset that is particularly valuable now. Yet it doesn#8217;t show up on your Balance Sheet. It#8217;s your credit score. ___  ___ Target credit This was highlighted in a recent post over at Mashable about Google ads targeting people with high credit scores. People with good credit are positioned to take advantage of these times. Not just with consumer goods, but also with investment opportunities. There are some great deals out there on real estate and businesses. In addition, people with good credit will get better rates on the money they borrow. So if you have a good credit score, protect it like any other asset. FICO FICO was developed by the Fair Isaac Corporation. They have a great piece that explains how your FICO score is determined [PDF]. We#8217;ll summarize it here, but we highly recommend you read their article if you want to know all the details. Your FICO score can range from 300 to 850. Obviously, higher scores are better. Anything over 720 is considered SuperPrime according to the Mashable post. These are the people Google is targeting in their new ad program. We#8217;ll look at the five components of your FICO score (along with the weight given to each one for the general population). Your payment history (35%) Pay your bills on time. It#8217;s probably no surprise that this is the single biggest factor in determining your score. If you#8217;re not current, work hard to get current and stay there. The amounts you owe (30%) We found it interesting that, even if you pay your credit card balance in full every month, you may still show a balance on your credit report. It shows the balance posted on your most recent statement. One myth they debunk is that you should close accounts so you don#8217;t have too many credit cards. If you#8217;re in good standing with no balance on an account, it doesn#8217;t affect your FICO score. However, you are better off having fewer cards with a balance. It#8217;s also better to have a small amount outstanding compared to your available credit line. Be careful not to have too much credit available. It can actually hurt your FICO score. So don#8217;t get, or keep, credit cards you know you#8217;ll never use. Length of credit history (15%) Here they look at the age of your accounts in general as well as how long it#8217;s been since you used your account. One tidbit we found interesting: If you just established credit for the first time, you#8217;ll hurt your FICO score if you open too many accounts too quickly. New credit (10%) Here they look at what#8217;s going on now. What credit have you applied for recently? How are you doing on those payments? This is good news for people coming out of a period of late payments. Just remember, though, it gets a relatively small weighting. The types of credit you use (10%) You want a mix of both revolving credit lines and installment debt. For example, a credit card along with a car loan would include both types of credit. Your credit rating is an important asset. It affects your credit capacity. Your credit capacity may help you fund your next bigg opportunity! ___  	 		Get the tips and tools you need to be a BIGG success. Subscribe to the Bigg Success Weekly #8211; it#8217;s FREE!  	  ___ Thanks for sharing some of your time with us today. Please join us next time when we talk about a higher level of problem-solving. Until then, here#8217;s to your bigg success! Subscribe to The Bigg Success Show in iTunes.#160; Subscribe to the Bigg Success feed. Direct link to The Bigg Success Show audio file:  http://media.libsyn.com/media/biggsuccess/00431-070709.mp3 Related posts  Savers Spenders and Investors Squirrels, Nuts and Business Cycles (Image by Andres Rueda,CC 2.0)      </itunes:summary>
		<itunes:keywords>Money</itunes:keywords>
		<itunes:author>bigginfo@biggsuccess.com</itunes:author>
		<itunes:explicit>no</itunes:explicit>
		<itunes:block>No</itunes:block>
	</item>
		<item>
		<title>Apologies &#8211; The Good</title>
		<link>http://biggsuccess.com/2009/05/12/apologies-the-good/</link>
		<comments>http://biggsuccess.com/2009/05/12/apologies-the-good/#comments</comments>
		<pubDate>Tue, 12 May 2009 07:00:07 +0000</pubDate>
		<dc:creator>George Krueger &#38; Mary-Lynn Foster</dc:creator>
				<category><![CDATA[Relationships]]></category>
		<category><![CDATA[amy ravit korin]]></category>
		<category><![CDATA[apologies]]></category>
		<category><![CDATA[audio]]></category>
		<category><![CDATA[audioblog]]></category>
		<category><![CDATA[bigg success]]></category>
		<category><![CDATA[bloggers]]></category>
		<category><![CDATA[branding]]></category>
		<category><![CDATA[chicago]]></category>
		<category><![CDATA[Communication]]></category>
		<category><![CDATA[consultant]]></category>
		<category><![CDATA[conversation]]></category>
		<category><![CDATA[customer service]]></category>
		<category><![CDATA[dominos]]></category>
		<category><![CDATA[DPZRAMON]]></category>
		<category><![CDATA[fortune 500 companies]]></category>
		<category><![CDATA[Franchises]]></category>
		<category><![CDATA[george krueger]]></category>
		<category><![CDATA[google]]></category>
		<category><![CDATA[interactiveAmy]]></category>
		<category><![CDATA[internet]]></category>
		<category><![CDATA[interview]]></category>
		<category><![CDATA[lessons]]></category>
		<category><![CDATA[local businesses]]></category>
		<category><![CDATA[mary-lynn foster]]></category>
		<category><![CDATA[pizza]]></category>
		<category><![CDATA[Ramon De Leon]]></category>
		<category><![CDATA[responsibility]]></category>
		<category><![CDATA[social media]]></category>
		<category><![CDATA[stories]]></category>
		<category><![CDATA[the bigg success show]]></category>
		<category><![CDATA[twitter]]></category>
		<category><![CDATA[videos]]></category>

		<guid isPermaLink="false">http://biggsuccess.com/?p=1751</guid>
		<description><![CDATA[Today on The Bigg Success Show, we were thrilled to welcome Amy Ravit Korin, also known as interactiveAmy. She&#8217;s a social media consultant to individuals, local businesses and Fortune 500 companies. We met Amy at SOBCon, the business school for bloggers. Amy has so much personality that, once you meet her, you&#8217;ll never forget her!...]]></description>
			<content:encoded><![CDATA[<p><img src="http://biggsuccess.com/wp-content/uploads/2009/05/interactiveamy_dominos_crew.jpg" border="1" alt="interactiveamy_dominos_crew.jpg" hspace="10" vspace="1" width="165" align="right" />Today on The <font color="#660099"><strong>Bigg Success Show</strong></font>, we were thrilled to welcome <strong>Amy Ravit Korin</strong>, also known as <a href="http://interactiveAmy.com" target="_blank" title="interactiveAmy">interactiveAmy</a>. She&rsquo;s a social media consultant to individuals, local businesses and Fortune 500 companies. We met Amy at <a href="http://www.sobevent.com/" target="_blank" title="SOBCon, the business school for bloggers">SOBCon, the business school for bloggers</a>. Amy has so much personality that, once you meet her, you&rsquo;ll never forget her! So let&rsquo;s get to the conversation &#8230;
<p style="background-color: #ffffff"><font color="#ffffff">___</font></p>
<h3></h3>
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<p> <img src="http://biggsuccess.com/wp-admin/images/marylynn.jpg" border="1" alt="marylynn" style="float: left; margin-right: 25px" />Amy, you told us this incredible story that we want you to share with our whole community. You recently ordered some pizza from Domino&rsquo;s. But it took an hour to get the order to you and, when it arrived, it wasn&rsquo;t right. What happened next?
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<p> <img src="http://biggsuccess.com/wp-content/uploads/2009/05/amy.jpg" border="1" alt="amy" style="float: left; margin-right: 25px" />I called the store and they said they would send over another one. I&rsquo;m also very active on Twitter &ndash; as a social media consultant it is one of my preferred methods of communicating. So I tweeted what had happened. I was just venting my frustration.
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<p> <img src="http://biggsuccess.com/wp-admin/images/george.jpg" border="1" alt="george" style="float: left; margin-right: 25px" />And that&#39;s when Ramon De Leon, who is the owner of the local Dominos stepped in, right?
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<p> <img src="http://biggsuccess.com/wp-content/uploads/2009/05/amy.jpg" border="1" alt="amy" style="float: left; margin-right: 25px" />Yes! He <a href="http://twitter.com/interactiveAmy" target="_blank" title="twitter.com/interactiveAmy">twittered me</a> right away and asked which location I ordered the pizza from.
<p style="background-color: #ffffff"><font color="#ffffff">___</font></p>
<h3>Get in on the conversation</h3>
<p style="background-color: #ffffff"><font color="#ffffff">___</font></p>
<p> <img src="http://biggsuccess.com/wp-admin/images/marylynn.jpg" border="1" alt="marylynn" style="float: left; margin-right: 25px" />This is a good thing for local business owners to understand. Since you are a social media consultant, Amy, how did Ramon know that you had tweeted about him?
<p style="background-color: #ffffff"><font color="#ffffff">___</font></p>
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<p> <img src="http://biggsuccess.com/wp-content/uploads/2009/05/amy.jpg" border="1" alt="amy" style="float: left; margin-right: 25px" />There are great tools out there that allow you to monitor the real time feed of what&#39;s being said on Twitter. Ramon probably had an alert set up for the word &ldquo;Domino&rsquo;s&rdquo; or &ldquo;Domino&rsquo;s Chicago.&rdquo; You can use any term that&#39;s relevant for you. In addition, you could also set up a Google Alert, which will alert you whenever your name, brand, or company is mentioned on the Internet. So Ramon said that he would remedy the situation and be back in touch when he had more information. I figured I was going to get a credit for free cinnamon sticks the next time I placed an order. Imagine my surprise when I woke up the next morning, logged onto Twitter, and saw a tweet from <a href="http://twitter.com/DPZRAMON" target="_blank" title="twitter.com/DPZRAMON">@DPZRAMON</a>. It said, &quot;Amy, we want to make it up to you, please click on this link.&quot; The link took me to <a href="http://www.viddler.com/explore/dpzramon/videos/19/" target="_blank" title="viddler.com: dpzramon video apology to Amy">a video apology from Ramon</a>,&nbsp;who is the owner of six Domino&rsquo;s franchises in Chicago. He was standing there with Junior, who is the General Manager of the store where I ordered my pizza. They were offering an apology for what had happened that previous night.
<p style="background-color: #ffffff"><font color="#ffffff">___</font></p>
<h3>The buzz begins</h3>
<p style="background-color: #ffffff"><font color="#ffffff">___</font></p>
<p> <img src="http://biggsuccess.com/wp-admin/images/marylynn.jpg" border="1" alt="marylynn" style="float: left; margin-right: 25px" />Like <em>a lot</em> of people, we&#39;ve watched that video. I really liked that the apology was very sincere!
<p style="background-color: #ffffff"><font color="#ffffff">___</font></p>
<p style="background-color: #ffffff"><font color="#ffffff">___</font></p>
<p> <img src="http://biggsuccess.com/wp-content/uploads/2009/05/amy.jpg" border="1" alt="amy" style="float: left; margin-right: 25px" />Yeah, what&#39;s so crazy is, just this morning, I actually got a tweet from Ramon. He said that video has been embedded on over 30,000 websites! And this is not just 30,000 <em>watching</em> the video; this is 30,000 people who think it&#39;s noteworthy enough to feature on their website.
<p style="background-color: #ffffff"><font color="#ffffff">___</font></p>
<h3>Wow!</h3>
<p style="background-color: #ffffff"><font color="#ffffff">___</font></p>
<p> <img src="http://biggsuccess.com/wp-admin/images/marylynn.jpg" border="1" alt="marylynn" style="float: left; margin-right: 25px" />And in this video, not only did Ramon apologize to you &ndash; and promise to make it up to you &ndash; he said that they were going to wow you! Now that&#39;s more than cinnamon sticks. So what did they do to wow you?
<p style="background-color: #ffffff"><font color="#ffffff">___</font></p>
<p style="background-color: #ffffff"><font color="#ffffff">___</font></p>
<p> <img src="http://biggsuccess.com/wp-content/uploads/2009/05/amy.jpg" border="1" alt="amy" style="float: left; margin-right: 25px" />First of all, I was totally wowed by this video apology. I had never seen or heard of anything like it. Well as it turns out, I&#39;m also involved in the <a href="http://www.socialmediaclub.org/" target="_blank" title="socialmediaclub.org">Social Media Club</a> of <a href="http://www.facebook.com/group.php?gid=36916001352" target="_blank" title="Social Media Club of Chicago Facebook Group">Chicago</a>. We hosted an event on Thursday, April 30th &ndash; the kick-off to SOBCon. It was a great event where we had all kinds of Chicago social media minds in addition to friends from all over the country. Independently of this video apology, Domino&rsquo;s was already secured as an event sponsor. So if that wasn&rsquo;t enough, Domino&rsquo;s showed up with over 100 pizzas for our club. They also brought a personal pizza for interactiveAmy, with my name all over the box. Ramon delivered it himself.
<p style="background-color: #ffffff"><font color="#ffffff">___</font></p>
<p style="background-color: #ffffff"><font color="#ffffff">___</font></p>
<p> <img src="http://biggsuccess.com/wp-admin/images/george.jpg" border="1" alt="george" style="float: left; margin-right: 25px" /><br /> So he didn&#39;t delegate this!
<p style="background-color: #ffffff"><font color="#ffffff">___</font></p>
<p style="background-color: #ffffff"><font color="#ffffff">___</font></p>
<p> <img src="http://biggsuccess.com/wp-content/uploads/2009/05/amy.jpg" border="1" alt="amy" style="float: left; margin-right: 25px" />No, he didn&#39;t! Not only was he there, he was really excited about it. He couldn&#39;t wait to meet everybody who had heard about him after the video apology. But he was most excited to come and meet me, which was really cool.
<p style="background-color: #ffffff"><font color="#ffffff">___</font></p>
<p style="background-color: #ffffff"><font color="#ffffff">___</font></p>
<p> <img src="http://biggsuccess.com/wp-admin/images/george.jpg" border="1" alt="george" style="float: left; margin-right: 25px" /><br /> And who can blame him, Amy? We know you!
<p style="background-color: #ffffff"><font color="#ffffff">___</font></p>
<p style="background-color: #ffffff"><font color="#ffffff">___</font></p>
<p> <img src="http://biggsuccess.com/wp-content/uploads/2009/05/amy.jpg" border="1" alt="amy" style="float: left; margin-right: 25px" />He also brought some members of his team including Junior. And it was his day off! In addition to the personalized interactiveAmy pizza, Junior also brought me a dozen roses in my favorite color, fuchsia. <a href="http://vimeo.com/4438820" target="_blank" title="DPZRAMON and Junior wow Amy at SMC">See video of interactiveAmy with DPZRAMON and Junior</a>.
<p style="background-color: #ffffff"><font color="#ffffff">___</font></p>
<p style="background-color: #ffffff"><font color="#ffffff">___</font></p>
<p> <img src="http://biggsuccess.com/wp-admin/images/marylynn.jpg" border="1" alt="marylynn" style="float: left; margin-right: 25px" />How on earth did he know your favorite color? He must have visited your website where that color is so strong.
<p style="background-color: #ffffff"><font color="#ffffff">___</font></p>
<p style="background-color: #ffffff"><font color="#ffffff">___</font></p>
<p> <img src="http://biggsuccess.com/wp-content/uploads/2009/05/amy.jpg" border="1" alt="amy" style="float: left; margin-right: 25px" />That&#39;s true. I don&#39;t know if he did his back end research or if he just took a guess that women like bright pink.
<p style="background-color: #ffffff"><font color="#ffffff">___</font></p>
<p style="background-color: #ffffff"><font color="#ffffff">___</font></p>
<p>  <img src="http://biggsuccess.com/wp-admin/images/marylynn.jpg" border="1" alt="marylynn" style="float: left; margin-right: 25px" />Well, I am just wowed by all of this. It&rsquo;s just incredible!</p>
<p style="background-color: #ffffff"><font color="#ffffff">___</font></p>
<div style="text-align: center"><img src="http://biggsuccess.com/wp-content/uploads/2009/05/interactiveamy_dpzramon2.jpg" border="1" alt="interactiveAmy and DPZRAMON" title="interactiveAmy and DPZRAMON" width="308" height="122" /></div>
<p style="background-color: #ffffff"><font color="#ffffff">___</font></p>
<h3>The conversation begins when a mistake is made</h3>
<p style="background-color: #ffffff"><font color="#ffffff">___</font></p>
<p> <img src="http://biggsuccess.com/wp-content/uploads/2009/05/amy.jpg" border="1" alt="amy" style="float: left; margin-right: 25px" />I thought so too. Ramon and I are still in touch. He has become an example of what great customer service is and can be &ndash; how to take steps to forge relationships with your customers which is a huge opportunity. When somebody makes a mistake, it doesn&#39;t have to be the end of the conversation. It really should be the beginning.
<p style="background-color: #ffffff"><font color="#ffffff">___</font></p>
<p style="background-color: #ffffff"><font color="#ffffff">___</font></p>
<p> <img src="http://biggsuccess.com/wp-admin/images/george.jpg" border="1" alt="george" style="float: left; margin-right: 25px" />That&#39;s a great point, Amy. But you could have just said nothing and not gone back to Domino&rsquo;s. Instead you said something &ndash; not even expecting a response &ndash; but he responded in such a magnificent way that you&#39;ve talked about it ever since. Plus 30,000 bloggers have talked about it too!
<p style="background-color: #ffffff"><font color="#ffffff">___</font></p>
<p style="background-color: #ffffff"><font color="#ffffff">___</font></p>
<p> <img src="http://biggsuccess.com/wp-content/uploads/2009/05/amy.jpg" border="1" alt="amy" style="float: left; margin-right: 25px" />Exactly. As the owner of <a href="http://interactiveAmy.com" target="_blank" title="interactiveAmy.com">my own social media company</a>, this is definitely something I try to advise business on, from small mom &amp; pops all the way up the Fortune 500 ladder. Take any opportunity to engage in a conversation about your brand, product or service. And listen &ndash; especially when someone says something that might not be the most flattering. It&rsquo;s a great way to get insight and take steps to remedy the problem. So first you have to listen. Then you can engage. You can become part of the conversation and take the necessary steps to forge your relationship going forward.
<p style="background-color: #ffffff"><font color="#ffffff">___</font></p>
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<p> <img src="http://biggsuccess.com/wp-admin/images/george.jpg" border="1" alt="george" style="float: left; margin-right: 25px" />Those are great points, Amy. Here&rsquo;s what I&rsquo;ve learned &ndash; if you need a case study for your social media consulting business, just be your own.
<p style="background-color: #ffffff"><font color="#ffffff">___</font></p>
<p style="background-color: #ffffff"><font color="#ffffff">___</font></p>
<p> <img src="http://biggsuccess.com/wp-content/uploads/2009/05/amy.jpg" border="1" alt="amy" style="float: left; margin-right: 25px" /><br /> I think that&#39;s a lesson to all of us &#8230; go out there and make things happen!
<p style="background-color: #ffffff"><font color="#ffffff">___</font></p>
<p style="background-color: #ffffff"><font color="#ffffff">___</font></p>
<table border="1" cellpadding="2">
<tr>
<th align="left"><font color="#800080">Get the tips and tools you need to be a BIGG success.<br /> </font><font color="#800080"><a href="http://visitor.constantcontact.com/d.jsp?m=1101877930203&amp;amp;p=oi" target="_blank" title="Subscribe to the Bigg Success Weekly">Subscribe to the Bigg Success Weekly</a></font><font color="#800080"> &ndash; it&rsquo;s FREE! </font></th>
</tr>
</table>
<p style="background-color: #ffffff"><font color="#ffffff">___</font></p>
<p>Thanks Ramon for being a shining example of great customer service.</p>
<p>And thanks Amy for sharing your story with us.</p>
<p>And thank you for reading our post today.</p>
<h3><em>Bigg Question</em></h3>
<p>Have you been impressed with the response to a complaint? Share that with us by leaving a comment below, e-mailing us at <a href="mailto:bigginfo@biggsuccess.com" target="_blank" title="bigginfo@biggsuccess.com">bigginfo@biggsuccess.com</a> or calling us at <font color="#660099"><strong>888.455.BIGG (2444)</strong></font>.</p>
<p>Please join us next time when we&rsquo;ll continue on this thread. We&rsquo;ll discuss bad and ugly apologies. Until then, here&rsquo;s to your bigg success!</p>
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<p><strong>Direct link to The Bigg Success Show audio file: </strong><br /> <a href="http://media.libsyn.com/media/biggsuccess/00392-051209.mp3" target="_blank" title="The Bigg Success Show Audio File #392">http://media.libsyn.com/media/biggsuccess/00392-051209.mp3</a></p>
<p><strong>Related posts </strong></p>
<p><a href="http://biggsuccess.com/2009/05/13/apologies-the-bad-and-the-ugly/" title="Apologies &#8211; The Bad and the Ugly">Apologies &#8211; The Bad and the Ugly</a> </p>
<p><a href="http://biggsuccess.com/bigg-articles/relationship-building-blocks/" title="Relationship Building Blocks">Relationship Building Blocks</a></p>
<p><a href="http://biggsuccess.com/2008/06/16/failure-to-do-this-harms-relationships/" title="Failure to Do This Harms Relationships">Failure to Do This Harms Relationships</a></p>
<p><a href="http://biggsuccess.com/2008/11/11/creating-wealth-in-the-next-generation-economy/" title="Creating Wealth in the Next Generation Economy">Creating Wealth in the Next Generation Economy</a> </p>
<p> <em><strong>(Image in today&#39;s post provided by <a href="http://interactiveAmy.com" target="_&quot;blank&quot;">interactiveAmy</a>)</strong></em></p>
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<itunes:duration>00:01:01</itunes:duration>
		<itunes:subtitle>Today on The Bigg Success Show, we were thrilled to welcome Amy Ravit Korin, also known as interactiveAmy. She#8217;s a social media consultant to individuals, ...</itunes:subtitle>
		<itunes:summary>Today on The Bigg Success Show, we were thrilled to welcome Amy Ravit Korin, also known as interactiveAmy. She#8217;s a social media consultant to individuals, local businesses and Fortune 500 companies. We met Amy at SOBCon, the business school for bloggers. Amy has so much personality that, once you meet her, you#8217;ll never forget her! So let#8217;s get to the conversation ... ___  ___ ___ Amy, you told us this incredible story that we want you to share with our whole community. You recently ordered some pizza from Domino#8217;s. But it took an hour to get the order to you and, when it arrived, it wasn#8217;t right. What happened next? ___ ___ I called the store and they said they would send over another one. I#8217;m also very active on Twitter #8211; as a social media consultant it is one of my preferred methods of communicating. So I tweeted what had happened. I was just venting my frustration. ___ ___ And that#39;s when Ramon De Leon, who is the owner of the local Dominos stepped in, right? ___ ___ Yes! He twittered me right away and asked which location I ordered the pizza from. ___ Get in on the conversation ___ This is a good thing for local business owners to understand. Since you are a social media consultant, Amy, how did Ramon know that you had tweeted about him? ___ ___ There are great tools out there that allow you to monitor the real time feed of what#39;s being said on Twitter. Ramon probably had an alert set up for the word #8220;Domino#8217;s#8221; or #8220;Domino#8217;s Chicago.#8221; You can use any term that#39;s relevant for you. In addition, you could also set up a Google Alert, which will alert you whenever your name, brand, or company is mentioned on the Internet. So Ramon said that he would remedy the situation and be back in touch when he had more information. I figured I was going to get a credit for free cinnamon sticks the next time I placed an order. Imagine my surprise when I woke up the next morning, logged onto Twitter, and saw a tweet from @DPZRAMON. It said, #34;Amy, we want to make it up to you, please click on this link.#34; The link took me to a video apology from Ramon,#160;who is the owner of six Domino#8217;s franchises in Chicago. He was standing there with Junior, who is the General Manager of the store where I ordered my pizza. They were offering an apology for what had happened that previous night. ___ The buzz begins ___ Like a lot of people, we#39;ve watched that video. I really liked that the apology was very sincere! ___ ___ Yeah, what#39;s so crazy is, just this morning, I actually got a tweet from Ramon. He said that video has been embedded on over 30,000 websites! And this is not just 30,000 watching the video; this is 30,000 people who think it#39;s noteworthy enough to feature on their website. ___ Wow! ___ And in this video, not only did Ramon apologize to you #8211; and promise to make it up to you #8211; he said that they were going to wow you! Now that#39;s more than cinnamon sticks. So what did they do to wow you? ___ ___ First of all, I was totally wowed by this video apology. I had never seen or heard of anything like it. Well as it turns out, I#39;m also involved in the Social Media Club of Chicago. We hosted an event on Thursday, April 30th #8211; the kick-off to SOBCon. It was a great event where we had all kinds of Chicago social media minds in addition to friends from all over the country. Independently of this video apology, Domino#8217;s was already secured as an event sponsor. So if that wasn#8217;t enough, Domino#8217;s showed up with over 100 pizzas for our club. They also brought a personal pizza for interactiveAmy, with my name all over the box. Ramon delivered it himself. ___ ___  So he didn#39;t delegate this! ___ ___ No, he didn#39;t! Not only was he there, he was really excited about it. He couldn#39;t wait to meet everybody who had heard about him after the video apology. But he was most excited to come and meet</itunes:summary>
		<itunes:keywords>Relationships</itunes:keywords>
		<itunes:author>bigginfo@biggsuccess.com</itunes:author>
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