The SBDC is a great resource for your small business to learn how to write your business plan, access capital, social media consultation and most of our services are no cost or very low cost thanks to multiple funding sources like the SBA.
This document is a resume for Navdeep Kaur, who has over 12 years of experience in financial services and retail banking. She is seeking a growth position in management where she can add value. She has expertise in banking, investments, and accounting. She has exceeded targets at previous roles at Capital One bank, where her responsibilities included maintaining customer relationships, marketing, and ensuring compliance with policies. She is fluent in several languages and has a bachelor's degree in accounting.
Sunshine Consultants is an organization that helps small and medium businesses and enterprises obtain business loans, loans against property, home loans, and project funding. With over 25 cumulative years of experience in the financial industry, they partner with major Indian banks, non-banking financial companies, and multinational financial institutions. Their goal is to build a transparent and customer-centric organization to provide the best financial advice and help clients achieve their objectives. They specialize in business development, financial reviews, assisting with decisions, developing investment strategies, and presenting product information.
Merrill Lynch is a prominent financial management and advisory company serving governments, institutions, and investors worldwide. It operates based on five principles: client focus, respect for individuals, teamwork, responsible citizenship, and integrity. Previously, financial advisors at Merrill Lynch prioritized customer acquisition over managing existing client relationships. However, the new Supernova program aims to provide an ultimate client experience through advisors maintaining minimum annual contact levels, promptly responding to clients, and acquiring some new high-quality clients each year while focusing on a reduced maximum client base of 200 per advisor.
Supernova ideas for creating value pppRobert Knapp
How do you give your clients true value. This powerpoint is a webinar you can access at: https://www.supernovaconsulting.com/members/videos/what-makes-you-stand-out-from-the-crowd/
Danny S. Roberts is a highly experienced banking professional with over 13 years of experience in retail and small business banking. He has a proven track record of leading teams to exceptional performance and achieving strategic goals. Roberts is currently a Branch Manager at Citibank where he has grown the branch's book of business from $270M to $450M and improved client excellence scores. Prior to Citibank, he held management roles at Wells Fargo Bank and Wachovia Bank where he consistently exceeded sales and production goals.
Justin Luquire has over 10 years of experience in financial services, recruitment, and relationship management. He is currently a Director of Search and Placement at The Patton Group, where he leads recruitment and onboarding processes. Previously, he worked as a Business Relationship Banker at Wachovia Bank, managing a portfolio of over 400 small business clients. He also has experience in collections and accounts management. Luquire holds a Master's degree in Trust and Investment Management from Campbell University.
David J. Lee II is seeking a professional position where he can utilize his experience and skills. He has 20 years of experience in accounts receivable, credit, and collections management. His background includes positions at KPMG LLP, Master Halco, Dallas Cowboys Football, Jacuzzi Whirlpool Bath, Southwestern Bell Telecom Pioneers, and 20th Century Fox Films. He holds a Bachelor's degree in Business Finance from Morris Brown College and has extensive experience with Microsoft Office, SAP, and other accounting software.
This document is a resume for Navdeep Kaur, who has over 12 years of experience in financial services and retail banking. She is seeking a growth position in management where she can add value. She has expertise in banking, investments, and accounting. She has exceeded targets at previous roles at Capital One bank, where her responsibilities included maintaining customer relationships, marketing, and ensuring compliance with policies. She is fluent in several languages and has a bachelor's degree in accounting.
Sunshine Consultants is an organization that helps small and medium businesses and enterprises obtain business loans, loans against property, home loans, and project funding. With over 25 cumulative years of experience in the financial industry, they partner with major Indian banks, non-banking financial companies, and multinational financial institutions. Their goal is to build a transparent and customer-centric organization to provide the best financial advice and help clients achieve their objectives. They specialize in business development, financial reviews, assisting with decisions, developing investment strategies, and presenting product information.
Merrill Lynch is a prominent financial management and advisory company serving governments, institutions, and investors worldwide. It operates based on five principles: client focus, respect for individuals, teamwork, responsible citizenship, and integrity. Previously, financial advisors at Merrill Lynch prioritized customer acquisition over managing existing client relationships. However, the new Supernova program aims to provide an ultimate client experience through advisors maintaining minimum annual contact levels, promptly responding to clients, and acquiring some new high-quality clients each year while focusing on a reduced maximum client base of 200 per advisor.
Supernova ideas for creating value pppRobert Knapp
How do you give your clients true value. This powerpoint is a webinar you can access at: https://www.supernovaconsulting.com/members/videos/what-makes-you-stand-out-from-the-crowd/
Danny S. Roberts is a highly experienced banking professional with over 13 years of experience in retail and small business banking. He has a proven track record of leading teams to exceptional performance and achieving strategic goals. Roberts is currently a Branch Manager at Citibank where he has grown the branch's book of business from $270M to $450M and improved client excellence scores. Prior to Citibank, he held management roles at Wells Fargo Bank and Wachovia Bank where he consistently exceeded sales and production goals.
Justin Luquire has over 10 years of experience in financial services, recruitment, and relationship management. He is currently a Director of Search and Placement at The Patton Group, where he leads recruitment and onboarding processes. Previously, he worked as a Business Relationship Banker at Wachovia Bank, managing a portfolio of over 400 small business clients. He also has experience in collections and accounts management. Luquire holds a Master's degree in Trust and Investment Management from Campbell University.
David J. Lee II is seeking a professional position where he can utilize his experience and skills. He has 20 years of experience in accounts receivable, credit, and collections management. His background includes positions at KPMG LLP, Master Halco, Dallas Cowboys Football, Jacuzzi Whirlpool Bath, Southwestern Bell Telecom Pioneers, and 20th Century Fox Films. He holds a Bachelor's degree in Business Finance from Morris Brown College and has extensive experience with Microsoft Office, SAP, and other accounting software.
Jeffrey Grahovac has over 20 years of experience in sales and business development roles. His background includes positions in banking, automotive sales, and as the current Director of Business Development for an imaging services company. He has a track record of exceeding sales goals and utilizes consultative solution sales strategies to build strategic client relationships.
Tabatha Ratto Harkin has over 15 years of experience in banking, holding positions such as Vice President and Branch Manager. She has a track record of developing new business relationships, identifying client needs, and strategizing solutions. Harkin is results-oriented and has consistently exceeded goals for new accounts, deposits, loans, and customer service. She has received numerous awards and promotions for her achievements.
Jim Patterson has over 40 years of experience in business management and banking. He has held several leadership roles, including managing loan programs and branches for various banks in Hawaii. Currently, he is the Manager of the Program Improvement Program at the Office of Hawaiian Affairs, where he evaluates grants and provides recommendations to improve grantee performance. He has a proven track record of strengthening operations and customer service.
The Michigan Small Business Development Center (MI-SBDC) provides comprehensive small business assistance throughout Michigan. It is funded by the Small Business Administration, Michigan Economic Development Corporation, and local partners. The MI-SBDC offers no-cost or low-cost business counseling, secondary market research, and business training programs. Services include business plan development, financial analysis, capital access planning, and connecting clients to funding sources. Clients can access services by contacting a local MI-SBDC office by phone, online, or by walking in for an initial consultation.
- Maryam Sobouti has over 29 years of banking experience, including 15 years of successful experience managing retail banking. She has a proven track record of leadership and growth through her experience opening and managing two startup branches. She is goal-oriented, with a strong focus on customer service and satisfaction.
Financial planning involves more than just retirement - it is about planning for financial needs at every stage of life. At Future Wealth Planners, financial advisers follow a six step process to develop personalized financial plans and strategies for clients and ensure their plans remain relevant as clients' needs change over time. The six steps include assessing a client's current situation, setting financial goals, identifying any issues, presenting a personalized financial plan, implementing the recommended strategies, and ongoing review meetings.
This document provides information about WealthPartners Financial Solutions, an authorized representative of AMP Financial Planning. It summarizes WealthPartners' services which include investment planning, retirement planning, estate planning, risk planning, tax planning, and financial advice for both individuals and businesses. It describes their client-focused approach of developing long-term relationships through strategic advice and regular reviews to help clients achieve their financial and lifestyle goals.
Stephen C. Agner has over 30 years of experience in the financial services industry as a retirement consultant and sales manager. He currently works as a Retirement Consultant for Wells Fargo Advisors, where he supports approximately 600 financial advisors. Previously, he held several senior leadership and sales management roles at other financial institutions, consistently achieving top sales producer awards and recognition. He has extensive experience developing sales teams, advisors, and customized retirement solutions for clients.
Solange Palomera is seeking a career position where she can apply her exceptional management experience, sales experience, customer service skills, and communication skills. She has over 9 years of experience at Bank of America, currently as an Assistant Manager where she manages customer satisfaction, coaches associates, leads sales, and ensures customers' financial needs are met. Prior she worked as a Personal Banker where she offered financial solutions, assisted the bank in meeting goals, and built long-term customer relationships. She is highly motivated and has a proven track record of outstanding customer service and sales performance.
Anthony P. Scott is a financial services professional with over 30 years of experience in banking, lending, credit, strategic planning, business development, training, and management. He is currently a Financial Center Manager at Urban Partnership Bank where he has exceeded all branch goals and significantly grown the customer base and core deposits. Prior to this role, he served as a Senior Personal Banker and held various positions including Vice President of Business Banking at Northern Trust Bank. He has a B.A. in Liberal Arts from Trinity International University and holds Series 6 and 63 licenses.
- McKersie Wealth Management provides investment management and financial planning services to high net worth individuals through BMO Nesbitt Burns.
- They take a holistic approach to understand clients' needs, plan for their financial goals, and choose appropriate investment solutions while regularly reviewing and adjusting plans.
- The team consists of several advisors and specialists who work together to provide personalized wealth management.
This document is a resume for Randy L. Manowski, who has over 25 years of experience in regional and area sales management in the banking and mortgage industries. He has a proven track record of dramatically increasing business, sales, and market shares through strategic planning, coaching, and motivating teams. His expertise includes driving growth, building high-performing teams, forging strong customer relationships, and thriving in complex markets.
The document provides the resume of Anne L. Lam, including her objective to obtain a challenging role using her experience. Her employment history details her roles at Health Net from 2002 to present, including service representative, eligibility representative, and her roles at other companies from 1994 to 2000 such as account executive and customer service representative. Her skills, licenses, education and reference are also listed.
Belleair Wealth Strategies provides financial planning and investment management services. They use a team-based approach to understand clients' goals and design customized solutions. As part of Raymond James, they have access to extensive resources like research, asset management, and specialists in areas like retirement and business planning. Their process involves understanding the client, designing a plan, implementing it, and ongoing management. They aim to help clients achieve their goals through a commitment to the client's interests and the discipline of their process.
The document is a resume for Brandon D. Knight that summarizes his professional experience and qualifications. It highlights his experience in leadership, event planning, project management, and technical skills. It also lists his roles as a teller at Regions Bank, auditor at Charter Communications, youth pastor at Eastside Baptist Church, jewelry consultant and guest services assistant at Zales, and sales associate roles. His education includes a BA in History from Samford University and current studies at Dallas Theological Seminary.
Morgan Stanley Smith Barney is a wealth management firm formed by the joint venture of Morgan Stanley and Smith Barney with over 130 years of combined experience. The firm is committed to understanding each client's individual needs and designing customized solutions to help clients achieve their long-term financial goals and manage their wealth. Through the firm's extensive resources and global network, clients have access to a wide range of investment products and services.
The Capstone Financial Group is a leading financial planning and wealth management company in Asia that differentiates itself by putting clients' needs first. Capstone offers investment and insurance solutions through a team of experienced advisers. As a client, you can expect a comprehensive financial strategy tailored to your needs, regular reviews, and access to specialists. Capstone is committed to providing quality, unbiased advice to help clients achieve their financial goals.
This document summarizes the finances and investments of AIESEC in Hyderabad for the year. It details that the finance reserves increased to Rs. 7,74,000 with fixed deposits of Rs. 7,07,000. Various investments led to positive results, including an office renovation, stakeholder summit that generated 50 recruits, hoardings, and Diwali gifts for clients that led to 5 direct recruits. Successful investments included events, expansions, conferences for members, national exchange programs, and training programs. Key aspects that worked well included financial policies, return on relationship programs, investments in onboarding programs, proper documentation, and cost cutting.
Small Business Administration (SBA) Financing OptionsGuy-Daniel Boni
SBA financing is designed to provide small businesses with access to credit structures and terms that may be more flexible than conventional lending options. Blitt Capital is here to help Entrepreneurs match their financing needs with the appropriate SBA lending program.
Professional Advisors Alliance; PAA believes that working with firms in a true strategic partnership offers the best model for success. So we work with you on a consultative basic to help you make the right choices for your practices. If you are a CPA or Lawyer, together we can make a difference. For a free, no-obligation Firm Assessment, contact me today.
Jeffrey Grahovac has over 20 years of experience in sales and business development roles. His background includes positions in banking, automotive sales, and as the current Director of Business Development for an imaging services company. He has a track record of exceeding sales goals and utilizes consultative solution sales strategies to build strategic client relationships.
Tabatha Ratto Harkin has over 15 years of experience in banking, holding positions such as Vice President and Branch Manager. She has a track record of developing new business relationships, identifying client needs, and strategizing solutions. Harkin is results-oriented and has consistently exceeded goals for new accounts, deposits, loans, and customer service. She has received numerous awards and promotions for her achievements.
Jim Patterson has over 40 years of experience in business management and banking. He has held several leadership roles, including managing loan programs and branches for various banks in Hawaii. Currently, he is the Manager of the Program Improvement Program at the Office of Hawaiian Affairs, where he evaluates grants and provides recommendations to improve grantee performance. He has a proven track record of strengthening operations and customer service.
The Michigan Small Business Development Center (MI-SBDC) provides comprehensive small business assistance throughout Michigan. It is funded by the Small Business Administration, Michigan Economic Development Corporation, and local partners. The MI-SBDC offers no-cost or low-cost business counseling, secondary market research, and business training programs. Services include business plan development, financial analysis, capital access planning, and connecting clients to funding sources. Clients can access services by contacting a local MI-SBDC office by phone, online, or by walking in for an initial consultation.
- Maryam Sobouti has over 29 years of banking experience, including 15 years of successful experience managing retail banking. She has a proven track record of leadership and growth through her experience opening and managing two startup branches. She is goal-oriented, with a strong focus on customer service and satisfaction.
Financial planning involves more than just retirement - it is about planning for financial needs at every stage of life. At Future Wealth Planners, financial advisers follow a six step process to develop personalized financial plans and strategies for clients and ensure their plans remain relevant as clients' needs change over time. The six steps include assessing a client's current situation, setting financial goals, identifying any issues, presenting a personalized financial plan, implementing the recommended strategies, and ongoing review meetings.
This document provides information about WealthPartners Financial Solutions, an authorized representative of AMP Financial Planning. It summarizes WealthPartners' services which include investment planning, retirement planning, estate planning, risk planning, tax planning, and financial advice for both individuals and businesses. It describes their client-focused approach of developing long-term relationships through strategic advice and regular reviews to help clients achieve their financial and lifestyle goals.
Stephen C. Agner has over 30 years of experience in the financial services industry as a retirement consultant and sales manager. He currently works as a Retirement Consultant for Wells Fargo Advisors, where he supports approximately 600 financial advisors. Previously, he held several senior leadership and sales management roles at other financial institutions, consistently achieving top sales producer awards and recognition. He has extensive experience developing sales teams, advisors, and customized retirement solutions for clients.
Solange Palomera is seeking a career position where she can apply her exceptional management experience, sales experience, customer service skills, and communication skills. She has over 9 years of experience at Bank of America, currently as an Assistant Manager where she manages customer satisfaction, coaches associates, leads sales, and ensures customers' financial needs are met. Prior she worked as a Personal Banker where she offered financial solutions, assisted the bank in meeting goals, and built long-term customer relationships. She is highly motivated and has a proven track record of outstanding customer service and sales performance.
Anthony P. Scott is a financial services professional with over 30 years of experience in banking, lending, credit, strategic planning, business development, training, and management. He is currently a Financial Center Manager at Urban Partnership Bank where he has exceeded all branch goals and significantly grown the customer base and core deposits. Prior to this role, he served as a Senior Personal Banker and held various positions including Vice President of Business Banking at Northern Trust Bank. He has a B.A. in Liberal Arts from Trinity International University and holds Series 6 and 63 licenses.
- McKersie Wealth Management provides investment management and financial planning services to high net worth individuals through BMO Nesbitt Burns.
- They take a holistic approach to understand clients' needs, plan for their financial goals, and choose appropriate investment solutions while regularly reviewing and adjusting plans.
- The team consists of several advisors and specialists who work together to provide personalized wealth management.
This document is a resume for Randy L. Manowski, who has over 25 years of experience in regional and area sales management in the banking and mortgage industries. He has a proven track record of dramatically increasing business, sales, and market shares through strategic planning, coaching, and motivating teams. His expertise includes driving growth, building high-performing teams, forging strong customer relationships, and thriving in complex markets.
The document provides the resume of Anne L. Lam, including her objective to obtain a challenging role using her experience. Her employment history details her roles at Health Net from 2002 to present, including service representative, eligibility representative, and her roles at other companies from 1994 to 2000 such as account executive and customer service representative. Her skills, licenses, education and reference are also listed.
Belleair Wealth Strategies provides financial planning and investment management services. They use a team-based approach to understand clients' goals and design customized solutions. As part of Raymond James, they have access to extensive resources like research, asset management, and specialists in areas like retirement and business planning. Their process involves understanding the client, designing a plan, implementing it, and ongoing management. They aim to help clients achieve their goals through a commitment to the client's interests and the discipline of their process.
The document is a resume for Brandon D. Knight that summarizes his professional experience and qualifications. It highlights his experience in leadership, event planning, project management, and technical skills. It also lists his roles as a teller at Regions Bank, auditor at Charter Communications, youth pastor at Eastside Baptist Church, jewelry consultant and guest services assistant at Zales, and sales associate roles. His education includes a BA in History from Samford University and current studies at Dallas Theological Seminary.
Morgan Stanley Smith Barney is a wealth management firm formed by the joint venture of Morgan Stanley and Smith Barney with over 130 years of combined experience. The firm is committed to understanding each client's individual needs and designing customized solutions to help clients achieve their long-term financial goals and manage their wealth. Through the firm's extensive resources and global network, clients have access to a wide range of investment products and services.
The Capstone Financial Group is a leading financial planning and wealth management company in Asia that differentiates itself by putting clients' needs first. Capstone offers investment and insurance solutions through a team of experienced advisers. As a client, you can expect a comprehensive financial strategy tailored to your needs, regular reviews, and access to specialists. Capstone is committed to providing quality, unbiased advice to help clients achieve their financial goals.
This document summarizes the finances and investments of AIESEC in Hyderabad for the year. It details that the finance reserves increased to Rs. 7,74,000 with fixed deposits of Rs. 7,07,000. Various investments led to positive results, including an office renovation, stakeholder summit that generated 50 recruits, hoardings, and Diwali gifts for clients that led to 5 direct recruits. Successful investments included events, expansions, conferences for members, national exchange programs, and training programs. Key aspects that worked well included financial policies, return on relationship programs, investments in onboarding programs, proper documentation, and cost cutting.
Small Business Administration (SBA) Financing OptionsGuy-Daniel Boni
SBA financing is designed to provide small businesses with access to credit structures and terms that may be more flexible than conventional lending options. Blitt Capital is here to help Entrepreneurs match their financing needs with the appropriate SBA lending program.
Professional Advisors Alliance; PAA believes that working with firms in a true strategic partnership offers the best model for success. So we work with you on a consultative basic to help you make the right choices for your practices. If you are a CPA or Lawyer, together we can make a difference. For a free, no-obligation Firm Assessment, contact me today.
The document outlines plans for an opening scene to a slasher film called Asylum. It will follow a young man seeking revenge on his doctor and family after escaping from an insane asylum. The opening will be filmed at Highroyds mental asylum and feature Curtis Tiplady as the killer patient and Jake Wilson as the doctor protagonist who is killed. Narrative enigma, close-ups, and shots from Silent House will be used to set the scene.
The SPY Elite System is a fluorescence imaging system that allows surgeons to capture and review real-time images of blood flow and tissue perfusion during surgery. It consists of an imaging device and single-use kits containing indocyanine green dye and sterile drapes. Operators must be trained to use the system safely and it requires adherence to warnings and safety procedures regarding the laser, ICG administration, and device operation.
Para realizar el servicio social fuera de la escuela, los estudiantes deben solicitarlo por escrito a la jefa del departamento de servicios escolares, incluyendo sus datos personales y el nombre completo de la persona que firmará el servicio social, con la firma de sus padres y una copia de la credencial de elector de los padres. Solo se permitirá en oficinas de gobierno y escuelas.
This document discusses the importance of arts in the author's life. The author Smijith sathian expresses how arts have shaped who they are and their identity. Arts seem to be deeply meaningful to the author and central to how they view themselves and their life experiences.
This document discusses options for using web fonts on websites, including hosted and self-hosted fonts. It provides step-by-step instructions for integrating hosted fonts from Google Fonts and self-hosted fonts from Font Squirrel. It also includes resources for WordPress plugins and tutorials related to adding web fonts.
Hermes Trismegistus was a legendary Egyptian sage from around 2670 BC who is considered one of the greatest men of all time. He was known as "Thrice Great" and was said to have written many books on theology, philosophy, and medicine that have been lost. The writings and teachings attributed to Hermes, known as Hermetic philosophy, were studied by great Greek philosophers and influenced many ancient mysteries. The core principles of Hermetic philosophy that have endured include the concepts of mentalism, correspondence, vibration, polarity, rhythm, cause and effect, and gender. Studying Hermes' esoteric teachings requires careful analysis to understand their mystical nature and influence on spiritual traditions.
Dokumen tersebut merupakan panduan cara kerja sistem MMM (Mavrodi Mondial Moneybox), yaitu skema piramida keuangan yang berbeda dengan skema MLM dimana seluruh dana berasal dari partisipan dan dialokasikan kepada partisipan lain untuk membeli "Mavro" virtual dengan imbalan 130% setelah 15 hari. Dokumen ini juga membandingkan perbedaan MMM dengan skema MLM dan perbankan konvensional.
This by-law establishes the training plan regulation of the École nationale de police du Québec. It outlines the basic training programs in police patrolling, investigation, and management. It details admission requirements, evaluation procedures, and diploma requirements. It also covers recognition of equivalence, approval of external training, and transitional provisions. The overall purpose is to prepare students to work efficiently and effectively in different areas of police work through standardized training programs.
Here are the top 3 songs on my iPod:
1. "Stay" by Rihanna
2. "Thinking Out Loud" by Ed Sheeran
3. "All of Me" by John Legend
I really enjoy songs with emotional lyrics and melodies that I can relate to. "Stay" has a very romantic message that always puts me in a good mood. "Thinking Out Loud" is such a beautiful love song. And "All of Me" really captures the feeling of being completely in love with someone. Music is very personal so everyone's top songs can reveal something about their tastes and experiences.
Este documento presenta un resumen de varios pasajes del Libro de Job. Explica que Eliú ilusiona pero también desilusiona al intentar explicar el mal sin humildad. Menciona que Eliú fue impulsivo y airado al acusar a Job. También discute por qué Dios le habló tan bien de Job a Satanás. Concluye que debemos interpretar el sufrimiento con fe y humildad en lugar de arrogancia, ya que no podemos explicar plenamente el mal.
Tempo August 2013
Cover Story: Discover UAE >Photography Winners
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This document proposes two designs for a location-based authentication system for satellite TV to reduce piracy:
1) A lower-cost one-way system where an added decryption module receives an encrypted decryption key from the satellite signal.
2) A higher-cost two-way system requiring the module to also transmit and interact with a third party. Both aim to frequently change decryption keys embedded in signals in a transparent way to users, reducing disruptions compared to current smart card methods. The one-way system has limitations around key updating if messages are missed.
Santa Biblia
Antiguo Testamento
Nuevo Testamento
Escuela Sabática
Tercer Trimestre del 2016
Guía de Estudio de la Biblia
El Papel de la Iglesia en la Comunidad
GRES
Guía para el Repaso de Escuela Sabática
Material de apoyo
Estudio Bíblico inductivo de la Palabra de Dios
Iglesia Adventista del Séptimo Día
This document discusses challenges with unclear inspection documentation that lead to product errors. It proposes assembling a team to create standardized Inspection Technique Sheets focused on images and symbols over words to bridge communication gaps between engineering and workers. The goal is to eliminate errors by proactively creating clear documentation that considers both the process and person, with feedback from employees. Creating consistency through a team approach aims to increase productivity and reduce costs.
The document describes interference measurements taken in an 802.11n wireless mesh network testbed. The testbed uses wireless routers with multiple 802.11n transceivers and directional antennas. Measurements were taken of co-channel interference, signal-to-interference-and-noise ratio (SINR), and TCP/UDP throughput over different channels. Even with very high SINR links of 30-40 dB using MIMO antennas and frame aggregation, the maximum TCP throughput achieved was only 47.85 Mbps, which is significantly lower than the maximum PHY transmission rate of 144 Mbps. The interference measurements from this testbed can help optimize the performance of large-scale 802.11n wireless
This document summarizes a research paper about strategies for gaining state support for global maritime security integration. It discusses two case studies: the Global Maritime Partnership and the Proliferation Security Initiative. The Global Maritime Partnership has been successful by promoting global maritime security without formal structures that could undermine state sovereignty. It leverages economic benefits of secure trade routes. The Proliferation Security Initiative also facilitates global integration by bypassing traditional state partnership mechanisms. Both examples concentrate on cooperative techniques that extend beyond just states to gain broader support for anti-piracy networks.
Este documento trata sobre los plaguicidas, incluyendo su definición, usos, ventajas y desventajas. Explica que los plaguicidas son sustancias químicas utilizadas para controlar plagas dañinas en la agricultura. Si bien han ayudado a aumentar la producción de cultivos, también pueden tener efectos negativos en la salud humana y el medio ambiente si se usan de forma indiscriminada. El documento analiza específicamente cómo los residuos de plaguicidas pueden contaminar el suelo, el agua y
Creating a Comprehensive Dev. Plan Including Major Gifts and Planned GiftsMichael David-Wilson
How to create a comprehensive development plan which includes major and planned gifts and a budget to support it.
How to turn your annual campaign donors into major and planned giving donors.
The benefits of integrating major and planned giving for your agency and mission.
Wytheville Entrepreneur Express #3 Presentation, april 29, 2010Sandy Ratliff
This document provides information about resources available for small business owners and entrepreneurs in Virginia. It discusses the importance of small businesses to Virginia's economy, noting that small businesses constitute 99% of all Virginia businesses and are responsible for over half of the state's GDP. It then outlines the services provided by the Small Business Development Center (SBDC) and SCORE to help small businesses with counseling, business planning, financing assistance, and workshops. The document encourages business owners to take advantage of these free resources to start and grow successful enterprises.
DHG Financial Services Strategic Planning and Cybersecurity PresentationJenny Cavnar
This document discusses strategies for planning and executing an effective strategic growth plan for an institution. It begins by outlining the topics that will be covered, including why strategic planning is important, an effective strategic planning process, and minimizing execution risk. It then discusses analyzing internal capabilities and external opportunities, developing strategic options, agreeing on a strategy and communicating it. The document emphasizes linking strategy to operating and capital budgets, monitoring performance, and involving stakeholders. It provides examples of strategic planning best practices from a successful community bank. Finally, it discusses minimizing execution risk through disciplines like accountability, flexibility, and strong execution. The overall message is that a well-thought out strategic planning process is essential for dealing with external pressures and achieving long-term value.
Kendall Brown-Royal has over 6 years of experience in banking, including as a Relationship Banker, Personal Banker, and Customer Service Representative at Bank of America. As a Relationship Banker, she leads operations management, develops teammates, ensures compliance, and exceeds sales goals. She has also worked as a Personal Banker managing business clients and as a Customer Service Representative assisting customers. Additionally, she has experience in moving pianos, tax preparation, retail sales, and financial analysis.
Kendall Brown-Royal has over 6 years of experience in banking, including as a Relationship Banker, Personal Banker, and Customer Service Representative at Bank of America. As a Relationship Banker, she leads operations management, develops teammates, ensures compliance, and exceeds sales goals. She has also worked as a Personal Banker managing business clients and as a Customer Service Representative assisting customers. Additionally, she has experience in moving pianos, tax preparation, retail sales, and financial analysis.
Kendall Brown-Royal has over 6 years of experience in banking, including as a Relationship Banker, Personal Banker, and Customer Service Representative at Bank of America. As a Relationship Banker, she leads operations management, develops teammates, ensures compliance, and exceeds sales goals. She has also worked as a Personal Banker managing business clients and as a Customer Service Representative assisting customers. Additionally, she has experience in moving pianos, tax preparation, retail sales, and financial analysis.
This document provides an overview of opening a mobile food business. It discusses preparing a business plan and identifying financing resources. It also covers the various permits and licenses required from local, state, and federal regulatory agencies, including planning, business, health permits, sellers permits, and taxes. Additional resources mentioned include talking to existing business owners, industry associations, workshops, and books. The document closes by providing contact information for the presenter and surveys.
2015 03 17 SBA Beauty Industry West- revisedMark Morales
This document summarizes an SBA presentation about SBA programs and international trade. It discusses that the SBA provides capital access through loan guarantee programs like the 7(a) loan for working capital and the 504 loan for real estate/equipment. It also discusses SBA counseling resources like SBDCs, SCORE, and WBCs. Finally, it encourages exporting and provides exporting resources from the SBA.
The document is from the website of the U.S. Small Business Administration (SBA) and provides information about their programs and services to help small businesses start and grow. The SBA was created by Congress in 1953 and provides counseling, assistance, disaster relief, and helps protect small businesses. It also offers loans, training, and partnerships with other organizations to help entrepreneurs at all stages of business.
Rashell Wright has over 15 years of experience in client relationship management and business development roles within the banking industry. She currently serves as Vice President Manager of Global Treasury Fulfillment at Bank of America Merrill Lynch, where she provides treasury management solutions and manages relationships with large corporate clients. Prior to this role, she held several vice president and client manager positions where she was responsible for growing business, developing trusted client relationships, and delivering strategic financial solutions. She has a proven track record of success, relationship building, and consistently achieving sales goals.
Joseph Luciano has over 15 years of experience in financial services and currently works as a Licensed Relationship Manager at Key Bank. He has a Bachelor's degree in Business Administration with a finance emphasis from the University of Colorado Boulder and is currently enrolled in courses to obtain his CFP designation. Luciano has consistently excelled in sales roles, receiving numerous awards and promotions for his performance. He is skilled in developing business, training employees, and providing exceptional customer service.
This document discusses a program called "Prep My CDFI!" which is designed to help Community Development Financial Institutions (CDFIs) prepare for and strengthen their CARSTM rating. CARSTM is an independent rating system that assesses a CDFI's impact performance and financial strength. Prep My CDFI! provides an assessment, management report, and support to help CDFIs improve documentation, operations, and outcomes tracking in order to obtain a higher CARSTM rating. The program costs a minimum of $5,000 but can include additional services and support.
Nahal Farnad is a senior banking professional with over 15 years of experience in retail banking, management, and small business banking. She has a proven track record of leading teams to build profitable client relationships and has consistently achieved and surpassed sales goals. Her career highlights include being named the top small business banker multiple times and receiving the Citi Star award twice. She is currently a small business relationship manager at Citi Bank, where she manages business clients with annual sales between $1-10 million.
Nahal Farnad is a senior banking professional with over 15 years of experience in retail banking, management, and small business banking. She has a proven track record of leading teams to build profitable client relationships and has consistently achieved and surpassed sales goals. Her career highlights include being named the #1 small business banker on multiple occasions and receiving the Citi Star award twice. She is currently a small business relationship manager at Citi Bank, where she manages business clients with annual sales between $1-10 million.
This document provides information about SCORE, a nonprofit organization that provides free mentoring and resources to entrepreneurs and small business owners. It discusses SCORE's services such as one-on-one mentoring, workshops, and online business tools. SCORE has over 11,000 volunteer mentors across the US who donate over 1 million hours annually helping small businesses with issues like business planning, marketing, financial management, and growth strategies. The document also shares statistics on the impact of SCORE, providing examples of clients who have significantly grown their businesses and created jobs with SCORE's assistance.
Valorie Hickman Flores has over 20 years of experience in customer implementation, support, and operations roles in banking and merchant services. She has a track record of establishing best practices, streamlining workflows, and driving efficiency to increase revenues. Currently seeking a new opportunity, she has expertise in relationship management, project implementation, quality assurance, and compliance.
Smith Mountain Lake Entrepreneur Express, November 15, 2011 PresentationSandy Ratliff
The document provides information about resources for small businesses in Virginia from the Small Business Development Center (SBDC) and SCORE. It summarizes the services offered by these organizations, including free confidential counseling and workshops on topics like business plans, marketing, and financing. Business owners are encouraged to use these resources to help start and grow their business.
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The document appears to be a PowerPoint presentation titled "Economic Trends in Social Media" that was sent as a text message from "SBDC2016" to the phone number "44222". The presentation likely discusses current economic trends related to social media businesses and how they can impact small businesses. It was shared via text message to allow the recipient to view it on their phone or other mobile device.
Deborah Deras, Latina Speaker, Latina influencer teaches social media marketing classes to support business owners to increase revenue through various social media marketing platforms. In this lesson she shares how to use Periscope for Busienss.
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Explore the key differences between silicone sponge rubber and foam rubber in this comprehensive presentation. Learn about their unique properties, manufacturing processes, and applications across various industries. Discover how each material performs in terms of temperature resistance, chemical resistance, and cost-effectiveness. Gain insights from real-world case studies and make informed decisions for your projects.
2. America’s SBDC
The Best Kept Secret for Growing Your Business
Presented by
Lawrence R. Johnson
Advisor, Small Business Development Center
hosted by El Camino College
3.
4. It’s all about having a business strategy!
• Financial Plan
• Marketing/Product Strategy/Sales
• Customer Service
• Business Processes
5. Small Business Development Centers
•What is the SBDC?
•National & Local Program
•What distinguishes the SBDC?
•El Camino College SBDC
Services
6. Small Business Development Centers
What is the SBDC?
• Provides no-cost 1:1 consulting to the small
business community
• Assistance with obtaining financing for
growth/expansion
• Provides low-cost training/workshops
• Helps generates positive economic impact
Retains/creates jobs
Increase in sales
Help start businesses
Access to capital ($$)
7. Small Business Development Centers
SBDCs are a SBA Program
• Largest Economic Development Program for the
SBA - $105 Million (FY 2014)
• SBA sets national performance goals
• SBA contracts with 63 Lead Centers nationally
• Lead Centers contract with centers (900 in the US)
• Lead Centers/SBDCs are based on SBA districts
• Association of Small Business Development
Centers (ASBDC) – Accreditation
8. SBDC Services
Existing Business
(Growth Planning)
•Rebranding and Market Identification
•Advanced Web Development (Shopping Cart,
SEO, Email Segmentation, etc.)
•Tax and Accounting Preparation
•Government Procurement and Certification
•Financial Packaging Assistance
•Hiring
•New Employees (available subsidies)
•Permitting, Product Pricing, Succession Planning
•Franchise Development
•International Trade (Importing/Exporting)
•Specialized assistance by industry (e.g.
lean manufacturing, emerging technology, retail,
beauty, food and hospitality.)
New To Business
(Operations Management)
•Financial Packaging
•Contract Negotiations
•Cash Flow Management and Financial Statement
Preparation
•Brand Creation and Development
•Competitive Assessment
•Target Market and Customer Identification
•Marketing Channel
Identification, Implementation,
and Measurement
Pre-Venture
(Startup Preparation)
•Business Planning
•Financial Projection
•Exploratory Funding
•Lease Negotiation
•Human Resource Management
•Bookkeeping
•State and Federal Tax Setup and Preparation
•Web Development
•Merchant Account Services (if applicable)
•Franchise Purchase
9. SBDC Overview
•Long Beach Community College District – Host for Lead
Center for Los Angeles District Office
•Service counties of Los Angeles, Ventura, and Santa
Barbara
•Network Funding is 7th Highest in the United States
- $3.5 Million from SBA Annually
•Over $7.0 Million Budget with matching funds
10. SBDC Overview
• Over 100 SBDC team members
(Directors, Staff, Business Advisors, Interns)
• 8 SBDCs (Service Centers)
• 2 Specialty Centers (Bixel Exchange for technology/Long
Beach for International Trade)
• Over 30 Service Delivery Points
11. SBDC Overview
• Proven outcomes for clients
• Small business expertise
• Industry expertise
• Long-term client relationships
• Business advisors are paid & held accountable
• Business advising offered in 6 languages (English, Spanish,
Mandarin, French, Armenian, & Arabic)
• Success stories to help publicize small business successes
• SBDC resources through services (GIS/SBDCNet etc.)
• SBDC partnerships with local, federal, state organizations
12. SBDC Overview
Main service locations include Long Beach City College (Long Beach), El
Camino College (Hawthorne), Pacific Coast Regional (Korea town), Bixel
Exchange (Downtown), Pasadena City College (Pasadena), University of
La Verne (La Verne), College of the Canyons (Santa Clarita), and Ventura
Economic Development Collaborative (Ventura).
13. El Camino College SBDC Delivers
2014 Results
1,570 small businesses served through advising and
training
2,570 hours of business advising
124 training events to over 1500 attendees
Economic Impact
62 new businesses created
290 Jobs Created/Retained
$4.55+ Million in Equity Infusion & Loans
$5 Million Increase in Sales
Lots of happy clients!!
14. El Camino College SBDC Services
Growth planning and operations management for
existing businesses, and start-up preparation for
new businesses, along with specialty advising on:
Manufacturing
Food Packaging/Restaurants
International Trade
Government Contracting
Business Loans/Equity Financing
Business Valuation
Social Media, Web Sites, Video Marketing
HR, Contracts, Payroll, Business Tax Obligations
Legal Structure
15. Financial Assistance
Loan consulting and application/packaging,
lender selection assistance for all types of business loans:
Credit cards/Lines of credit
Factoring
Equipment loans
Industry specific loans
Start-up financing
Mortgage refi’s for the purpose of business financing
Alternative financing
16. Financial Assistance
Loan consulting and application/packaging,
lender selection assistance for:
All SBA Loans
• 7 (a)-up to $5 million-acquire land, building a
building, acquire inventory/fixed assets, purchase/start a
business, leasehold improvements and more.
Max. 25-year term for real estate/10-years for working
capital, etc.
• 504 Loan-Up to $5 million for the acquisition of long
term fixed assets with a useful life of at least 10 years,
refinance asset debt and/or provide working capital
under certain conditions.
17. An Example of a Success Story
“My business advisor coached me in
what to say and what not to say, and
helped me [understand] what
[lenders] are really looking for,
especially when it comes to the
restaurant business.”
- John Mentesana, Founder,
Locale 90 Neopolitan Pizza Market
CHALLENGES
•Business planning
•Financing
SOLUTIONS
•SBDC reviewed business plan
and financial projections
•Assisted client with loan
documentation
•Connected client with
community lender VEDC
•Obtained an SBA 7(a)
business loan for
$200,000
18. Contact Information
Some Things to Consider
• Research/Feasibility of Your Idea
• How Will You Make Money?? How Much Money Do You
Need/Want to Make? What are Your Financial Objectives?
• Vision/Goals for Your Business-What Do You Want Your Co. to
Represent/How Will You Achieve Your Vision?
• Business Structure/Tax Implications
• Licensing/Permit Requirements
• Recordkeeping/Accounting
• Marketing Strategies-Who is Your Target Market and How Will
Your Reach Them?
• What Are Your Actions Plans for Implementation/Growth? Write
Them Down-Business Planning
• Your Business Advisor is Your BFF!
Starting Your Business
20. Contact Information
Client/SBDC Relationship
• Confidential Assistance
• Home Center/Core Consultant
• Assignments
• Keep Appointments-on time, no shows,
reschedules, late arrival
• Five Hours of Consulting/Assistance-Your Reward
one free workshop excluding QB
• Reporting Results
Starting Your Business
21. Contact Information
El Camino College SBDC
(310) 973-3177
sbdc@elcamino.edu
www.southbaysbdc.org
www.facebook.com/southbaysbdc
Located at off campus at:
El Camino College
Business Training Center
13430 Hawthorne Blvd.
Hawthorne, CA 90250
Contact Information