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A billboard is typically found in high-traffic areas such as alongside busy roads. Billboards present large advertisements to passing pedestrians and drivers. Typically showing large, ostensibly witty slogans and distinctive visuals, billboards are highly visible in the top designated market areas.

The billboards, are located primarily on major highways, expressways or principal arterials, and command high-density consumer exposure (mostly to vehicular traffic). Billboards afford greatest visibility due not only to their size, but because they allow creative “customizing” through extensions and embellishments.

Posters are the other common form of billboard advertising, located mostly along primary and secondary arterial roads. Posters are a smaller format than bulletins and are viewed principally by residents and commuter traffic, with some pedestrian exposure.

Billboard advertisements are designed to catch a person’s attention and create a memorable impression very quickly, leaving the reader thinking about the advertisement after they have driven past it. They have to be readable in a very short time because they are usually read while being passed at high speeds. Thus there are usually only a few words, in large print, and a humorous or arresting image in brilliant color.

Roman Rivera Billboard Services can help and assist in advertising your business. Let us find the right Billboard Placement for your Business.

Contact us:

Roman Rivera

6360 Van Nuys Blvd STE 173

Van Nuys Ca 91401

(858) 848-5669

www.Roman-Rivera.com

Bad credit can get better

When debts pile up, it can be impossible to see a way out. And in the meantime, a bad credit report can prevent you from getting a mortgage, car loan, credit card, apartment or even a job. Let the sensible strategies in Roman Rivera
Credit Repair help you take control, clean up your credit report and live debt-free.

Roman Rivera does the following for you:

•    Assess your debt situation

•    Correct errors and improve your credit report and score

•    Choose the best repair strategy for your situation

•    Prioritize your debts

•    Negotiate with creditors to reduce debts

•    Add positive information to your credit report

•    Avoid identity theft and credit scams

•    Build a solid credit history

Remember that a credit report is a record of the borrower’s credit history from a number of sources, including banks, credit card companies, collection agencies, and governments.

In the United States, such reports are maintained by the three national credit reporting bureaus. This information is used by lenders such as credit card companies to determine an individual’s credit worthiness; that is, determining an individual’s ability and track record of

repaying a debt. The willingness to repay a debt is indicated by how timely past payments have been made to other lenders. Lenders like to see consumer debt obligations paid regularly and on time, and therefore focus particularly on missed payments and may not, for example, consider an overpayment as an offset for a missed payment.

Credit scores vary from a scoring model to another, but in general the FICO scoring system is the most commonly used.

Roman Rivera Analyses the following credit factor of your scores:

• Payment history (35% ) – A record of negative information can lower a consumer’s credit rating or score.
  

   
   

• Debt (30%) – This category considers the amount and type of debt carried by a consumer as reflected on their credit reports.
  
  • Revolving debt – This is credit card debt, retail card debt and some petroleum cards.
    
  • Installment debt – This is debt where there is a fixed payment for a fixed period of time. An auto loan is a good example as the cardholder is generally making the same payment for 36, 48, or 60 months.
    
  • Open debt – This is the least common type of debt. This is debt that must be paid in full each month.
    

   
   

• Time in file (Credit File Age) (15% ) – The older the cardholder’s credit report, the more stable it is, in general. This “age” is determined two ways; the age of the cardholder’s credit file and the average age of the accounts on their credit file. The age of their credit file is determined by the oldest account’s “date opened”, which sets the age of the credit file.
  

   
   

• Account Diversity (10% ) – A cardholder’s credit score will benefit by having a diverse set of account types on their credit file. Having experience across multiple account types (installment, revolving, auto, mortgage, cards, etc.) is generally a good thing.
  

   
   

• The Search for a New Credit (Credit inquiries) (10% ) – An inquiry is noted every time a company requests some information from a consumer’s credit file.
  

   
   

  Remember that in the United States, insurance, housing, and employment can be denied based on a negative credit rating.
  

   
   

  Roman Rivera Credit Repair can help and assist in managing your credit. Let us check your credit.
  

   
   

  Contact us:
  

  Roman Rivera
  

  6360 Van Nuys Blvd STE 173
  

  Van Nuys Ca 91401
  

  (858) 848-5669
  

  www.Roman-Rivera.com
  

   
   

   
   

   
   

   
   

Corporations FAQ

Is a Corporation right for your business? What type is right for my business?

What is a corporation?

What sets the corporation apart from all other types of business is that a corporation is an independent legal entity, separate from the people who own, control, and manage it. In other words, corporation and tax laws view the corporation as a legal “person” that can enter into contracts, incur debts, and pay taxes apart from its owners. Other important characteristics also result from the corporation’s separate existence: A corporation does not dissolve when its owners (shareholders) change or die, and the owners of a corporation have limited liability — that is, they are not personally responsible for the corporation’s debts.

What is “limited liability” and why is it important?

If a business owner has “limited liability,” it means that he or she is not personally responsible for business debts and obligations of the corporation. In other words, if the corporation is sued, only the assets of the business are at risk, not the owners’ (shareholders) personal assets, such as their houses or cars. The corporation’s owners must comply with certain corporate formalities, keep up with paperwork requirements, and adequately fund (“capitalize”) their business to maintain this limited liability privilege. 

Limited liability, traditionally associated with corporations, is the main reason most people consider incorporating. However, other business structures, such as limited liabilities companies (LLCs), now offer this limited personal liability to business owners. Sole proprietorships and general partnerships do not.

How are corporations different from partnerships, sole proprietorships, and LLCs?

Unlike corporations, partnerships and sole proprietorships do not provide limited personal liability for business debts. This means that creditors of those businesses can go after the owners’ personal assets to collect what’s due. However, organizing and operating a partnership or sole proprietorship is much easier than forming a corporation, because no formal paperwork is required.

A limited liability company (LLC), on the other hand, does offer limited personal liability, like a corporation. And while formal paperwork is required to form an LLC, running an LLC is less complicated than running a corporation. LLC owners do not have to hold regular ownership and management meetings or follow other corporate formalities, for example.

Corporations also differ from other business structures in the way they are taxed. The corporation itself must pay corporate income taxes on its profits — whatever is left over after paying salaries, bonuses, and other deductible expenses. In contrast, partnerships, sole proprietorships, and LLCs are not taxed on business profits; instead, the profits “pass through” the business to the owners, who report business income or losses on their personal tax returns.

Who should form a corporation?

Because of the expense and formalities involved in setting up a corporation and issuing stock (shares in the corporation), you should form a corporation only if you have good reason to do so. If you merely want to limit your personal liability for business debts, forming a limited liability company  (LLC) is probably smarter, because LLCs cost less to form and are easier to run. But here are some situations in which incorporating your business instead of forming an LLC might make sense:

• Your business needs the ability to issue stock or stock options to attract key employees or outside investment capital.
  
• Your business is so profitable that you can save significant income tax dollars by keeping some profits in the corporation each year. This strategy, called “income splitting,” takes advantage of the lower tax rates on corporate income of up to $75,000. 
  
• You own a family business and you want to begin making gifts of ownership to your family as part of your financial or estate plan or to plan for the next generation of owners. You can easily make gifts of shares in your corporation without necessarily giving up management control and, if it’s done correctly, without paying gift tax.
  
• Others insist that you incorporate your business. For example, if you are an independent contractor, companies you want to work for may ask you to incorporate before they will sign contracts for your services. These companies don’t want the IRS or another government agency to reclassify you as an employee, which is very unlikely if you are incorporated.
  

   
   

  Form a corporation by contacting us today and protect your business and your family.
  

   
   

  Roman Rivera
  

  6360 Van Nuys Blvd STE 173
  

  Van Nuys CA 91401
  

  (858) 848-5669
  

  Romanknox@live.com
  

  www.Roman-Rivera.com
  
  

Are you looking to purchase real estate? Are you interested in starting your property search? Want to look into some of the properties that are for sale right now in your neighborhood?

We can help you locate and find just the right property for you. Contact us to connect you to the right resources to get your property search started. There are great deals out there just waiting for you.

Make it into our office today and look into some amazing properties available right now.

We would be more than happy to help you buy or sell your current or future property. All you have to do is contact us. We will give you all the information you need.

We’ll get you started on your way to help you with the real estate loan qualifications procedure.

Lets secure that loan make sure that its well funded for the property that you will soon find. Every mortgage is different and it depends on the neighborhood you are looking for, the prices may vary, we make sure to find something that is in your budget and in the location asked.

There’s available all kinds of homes from fixer uppers to turnkey properties.

Looking for homes close to your work place that will save you money on gas and make your commute shorter? If you’re looking for new properties that would meet your search, we can help you find some easy.

Want to sell your home for a bigger one? We are experts in real estate property purchasing with 1031 exchanges.

We have condos, mobile homes, multi-family homes available at this time.

Take advantage of this good opportunity for you to move into a new home. Right now is the best time for you to go ahead and have us help you start looking.

Contact us if you want some more information.

Are you frustrated with landlords raising your rent every few years on your business? Have you thought of moving out many times before? Do you want a dependable location where your business can grow into the future? Want an investment in your business that will last for generations?

Then purchasing the real estate where your business operates is the right decision for you. There are plenty of commercial property located right around from where your business is currently at – all you have to do is look. We can help you in the process.

Our real estate advisors will aid in finding you a building in the right location and for just the right price. Make sure its in your budget. We will take you to the building where you will have the opportunity to inspect the property.

We will guide you in performing the due diligence for the allowable zoning uses in that neighborhood. Will verify the exterior and interior uses to make sure it fits your needs and requirements for business operations.

Take this moment to inquire further about commercial real estate opportunities available to you.

Contact us.