Small Business Concierge, Silicon Valley Edition, FALL 2019

Power Women

Power Secrets

Defining Margaret Jackson as a Leader

Tamika Ellsworth, Real Estate Guru

A Letter From Margaret Jackson, Radio Personality

Overcoming Dream Stealers

Overcoming dream stealers, life’s roadblocks to achieving great success are your choice. Can you name one person that has not faced opposition on their road to great success? Dream stealers are the opposition that stands between you and your most significant achievements. It is the doubters, the hecklers, the failures, and the stubborn, subjective, uninformed genius that in all their brilliance surmise, that you cannot, possibly be a success. It has not happened; therefore, it will not be. A dream stealer will crash down on your dreams that could, perhaps, abort your dream. What do you do? What did the great achievers do, they overame?

• Henry Ford started his first company in 1899 with investors, but his vision was different than his investors, and they withdrew backing his company.

• A Hollywood casting director told Danny Devito that he was too short to be an actor.

• Michael Jordan cut from his the varsity basketball team to play jay-vee basketball by Coach Clifton “Pop” Herring

• Steve Jobs fired from Apple by John Sculley

• A Baltimore TV producer fired Oprah Winfrey because she was unfit for television news.

• The Grand Ole Opry told Elvis Presley that he is better off driving trucks.

• Ford Motor Company didn’t want Lee Iaccoca.

Do any of these names ring a bell? Great achievers have a story or two to tell about dream stealers that they have faced on their road to great success. Henry Ford, Michael Jordan, Steve Jobs, Oprah Winfrey, Elvis Presley, and Lee Iaccoca overcame their opposition. In some cases, it was that very opposition that propelled them into greater determination. Your great success as an entrepreneur, businesswoman or businessman, athlete, actor, engineer, musician, or whatever your dream, it is up to you to continue to pursue your greatness. Be careful that you do not allow others to define your future, destiny, or legacy.

Sincerly, Margaret

Jackson

Margaret Jackson

SBC Magazine Publisher

Bay Area’s #1 Small business radio personality

AM 1220 KDOW | Money 2.0 Business on the Edge

Romans 10:9

ART & DESIGN DIRECTOR

Julio C. Pardo III

FOUNDER AND EDITORIAL DIRECTOR

Margaret A. JACKSON

EDITOR-IN-CHIEF

Jesse L. Lee

PROOFREADER

Donna Massengill

MAGAZINE CONSULTANT

Devin Oten

CONTRIBUTING ART DESIGNERS ANIMATOR & ILLUSTRATOR

Olivia Hancock

CONTRIBUTING SBC WRITERS

Alvie C. J. Jackson, Creative Alumni >2yrs.

Marcie Anderson, *Ruth Benjamin, Tamika Ellsworth, Margaret A. Jackson, Chef Tisha Wylie Jeffers, Brigitte Jones, Jesse L. Lee, *Daniel Newell, Judy Peterson, *Ray Sylvain, **State of California Staff Writer, Meredith Walker, Warren Wettenstein

*Republished articles from previous SBC Magazines, SBC Staff Writer

CONTRIBUTING SPECIAL GUEST WRITERS

State of California Department of General Services

**Permission given to republish article by the State of California DGS

COVER PHOTO

Sunnyvale Photo Studio

Sunnyvale, California

CONTRIBUTING PHOTOGRAPHERS & STOCK PHOTOS

Ricardo Flamenco

Digital Juice, Shutterstock, IStock

Courtesy Images: Chef Tisha Wylie Jeffers

Courtesy Images: Meredith Walker

SBC SOCIAL MEDIA PLATFORMS

Cesar Tamayo (HSU), Social Media Intern Facebook, Instagram

#MySBCMagazine

RELEVANT WEBSITES

www.businessontheedge.biz

www.smallbusinessconcierge.biz

www.kdow.biz

PUBLISHED BY Business On the Edge, Incorporated (BOTE) Quarterly Magazine | Fall Issue 2019

Small Business Science Lab

Exploration, Innovation, Creation, Big Ideas, Organization, Infrastructure and more, you will find it in the Small Business Science Lab.

Blockchain: What You Need to Know

By: Ray Sylvain | Sign On the Go |

Boca

Raton, Fla – August 30, 2018 - With the continued expansion of global e-commerce, the need for trust or the ability to authenticate every transaction that is being processed through the internet is a must.

How can trust/authenticity be improved for the billions of transactions that happen every minute, globally?

Blockchain Technology. Yes. This technology is not all about cryptocurrency. Its utility goes beyond the cryptocurrency market. Business owners and decision-makers will need to know the truth and most importantly the future of blockchain. Choosing the right team is one of those make-or-break decisions that can either be the foundation of a successful business, or it’s complete undoing.

desired. Another key thing here is that the blockchain that was formed is now part of a public network. A blockchain does not have to be on a public network. It can be on a private network as well. This network has multiple nodes. Every node will retain a copy of that blockchain. To simplify this – this network should be considered as one distributed database. It is more or less a data structure, that has been established, which makes it nearly impossible to change at a later date without altering. Because the hashing algorithm of a block consists in part of a hash of the previous block, and that block has a hash of the previous block before that, this makes it difficult as the time passes to inject into some other blocks. That blockchain can be validated by anyone at any time without giving up personal information.

How does blockchain work?

It is a decentralized ledger based on blockchain, which in turn, is based on line of blocks and every one of these blocks is a tree of recorded transactions.

The key thing to remember here is a decentralized ledger can be anything of value that one or more parties will need to track and/or validate. So, it is not just cryptocurrency.

When a series of blocks are pulled together, a blockchain is now formed. All information on that blockchain can be encrypted and secured if

What are the possible utilities of blockchain for businesses in general?

There is currently a significant amount of use cases in this fast-evolving space. For example, a small business will be able to receive payments for work completed through its digital wallet. Another key thing to remember here is blockchain does not mean the same thing as cryptocurrency, it is meta-level – cryptocurrencies are based on the blockchain concept; digital wallet is a trait of currency, it has nothing to do with blockchain. An even more important note, there can be currencies without the wallet capability. Doing business with partners on a network will become a more trusted endeavor, because everyone on that network will have the needed validation available. Therefore, a small business with blockchain, will be able to avoid the exposure of future fraudulent transactions.

Another way this technology is being used today is when multiple parties enter into an agreement and the instrument was processed through an e-signature platform, the parties involved will have the ability to prove the identity of the stored document. In this data structure, only the hash of the document file is stored, then anyone can compute the hash of that file again using a well-known algorithm to validate the existence of such hash in blockchain.

So, when the executed document is published to the blockchain, it can be run through a cryptographic hashing algorithm, which produces a short hash for the executed document. If any successful attempt was made to even remove a single word in the document, the hash of the document will be totally different. Therefore, eliminating any attempt for fraudulent activity.

What are the current drawbacks of blockchain?

At this juncture, the network capacity is the main

issue. The BITCOIN network can only process seven (7) transactions per second (TPS). The size limit for a block is only one megabyte (1MB). Today, the major credit card merchants can process at least 1,700 TPS. The BITCOIN community is currently working on this important issue and progresses are already being recorded where a block has grown from 1MB to 8MB. It seems that this issue will soon be resolved.deal. After all, they will be representing your brand with every customer they interact with and every word of content they create.

The blockchain technology is disruptive. It is here to stay. It may be the technology that will provide the ultimate transparency that is truly needed in the e-commerce space alone. The cost avoidance in terms of fraudulent transactions that may be generated have not yet being assessed; however, one could predict that number will be in the billions of dollars.

Learn more or see a live use case of the blockchain technology in an e-signature platform, visit https://signonthego.us

“A blockchain does not have to be on a public network. It can be on a private network as well.

More. Better. Faster.

By: Jesse L. Lee, Jr. | Editor In Chief

Let’s face it, business is easy. You sell a service or product, collect your money, and make a profit. As easy as it sounds, when you combine the complexities of law, accounting, sales and marketing, operations, human resources, purchasing, information technology, as well as research and development things get increasingly more complicated. If you’re a neophyte entrepreneur, the key is to eliminate as much risk as possible to realize an opportunity’s full potential. This article is about what an entrepreneur must do to develop a better organization and to create a firm that can withstand volatile, uncertain, complex, and ambiguous marketplaces. Many business organizations fail because they do not execute one or more of the basic critical success factors well enough to survive. Remember, the basics are simply to sell, collect your money, and make a profit.

You may be wondering exactly where to start to get your business off the ground. Consider your unique value and current position. People possess one or more of three types of experiences that will propel an individual into business. The first is the person who has journeyman skills and who knows a trade or profession. Sufficient experience can be gained by getting an education in a professional or technical field as well as by performing on-the-job training. It certainly doesn’t hurt to have an industry standard certification under hand too. Second, a person may have managerial experience or may know the ins and outs of a trade or industry that gives him/her valuable insight that can be marketed. Third is the inventor, who has an idea that can be patented and exploited. A proof of concept can be developed while raising sufficient capital to go to market.

Maybe you have already started a business (ad) venture. You may be frustrated because your business is not where you want it to be. You may be having time management trouble because you are being pulled in several different directions throughout the day and find that there is not enough time to complete your job. Perhaps, you realize you cannot do it all by yourself. You may be banging your head against a wall and need a real breakthrough. We will present clear, concise, bleeding-edge business advice as if we are your partners – because we are. At Business Concierge, we are serial entrepreneurs who have been there, done that, and wanted more, better, faster.

Some things don’t change. Success in business means having the ability to plan, execute, and innovate so that customers get what they need and demand as well as to solve customer problems that other suppliers haven’t figured out yet. Success also means quickly finding out the underhanded things people do who do not have your best interests at heart or who have motives contrary to your company’s vision and mission. It’s not at all about how much money you make, it’s about how much you are able to keep. When practical, learning the fine points of finance, legal tax avoidance, how to double your money as quickly and safely as possible, as well as other topics are also important.

When starting a company, think about how much money you are ready to spend on your business.

To The Point

by: Brigitte Jones |South Valley Review | https://issuu.com/southvalleyreview

What are your business goals? How do you go about achieving said goals –in your daily routine? Can your colleagues or staff identify these goals as they pertain to them? Do they want to buy into those goals? How do the overall goals support your client’s objectives? How do those goals get a client to where they want to with their business?

You have many questions to answer. These questions should be uppermost in your mind as a principal decision-maker in your business. Whether you offer professional services, merchandise, or some intellectual innovation, you should be marketing your business NON-STOP.

Marketing is how you announce your business [even industry] intentions to the world.

It puts your competition and, most importantly, your supporters on notice as to how focused your strategy truly is. “To all concerned, I am here to be a success. So let’s get down to business”.

And we all know the current Marketing Tools available to us as business owners – but be choosy and then consistent with your choice(s). The choosing has a lot to do with the target market; is that hyperlocal or not constrained by logistics or time zones.

A Realtor can use several marketing tools to advertise a new listing in a specific neighborhood; Print, Social, and Broadcast Media – simultaneously to capture that buyer.

Proven methods for achieving successful marketing results are matching your immediate business goals to your ultimate commitment to those marketing tools available. Basically, can you repeat that to achieve measurable success?

Whatever you commit to – should be straightforward and uncomplicated to scale up and out when ready.

Did a competitor leave an opening to be exploited, a new hire that’s a Marketing ninja, a budget becomes available for next-level marketing; any of these circumstances can force a decision - in a direction, you should be ready to capitalize. Start marketing before you get the business license in your hand. Once you start – don’t let up. See *list above that your competitors can use to propel their marketing strategy for success.

Every business should have a website or an online presence. But how do clients, suppliers, and even potential employees find out about you?

Take the example of CHEWY.COM. A great idea to provide cheaper items to pet owners. How will those pet owners find your website? CHEWY.COM advertised on TV., an old school strategy and it has been continuous. The point is you might have a great business model, but who knows about it to make a difference to your bottom line?

Learn what low tech, uncomplicated, and readily available method of marketing is available to you, and your immediate business goals choose that marketing method and stay consistent.

Defining Margaret Jackson As A Leader

by: SBC Staff Writer |

Defining oneself as a leader is a steady ever-changing process.

What I mean, for example, is engaging in my MBA program at Capella University is enhancing my leadership acumen. In this business report, I will address how to define myself as a leader according to the guidelines provided for this business report assessment. (a) Analyze myself as a leader; (b) Develop a statement of who I am as a leader, based on my analysis; and (c) Explain how the live coaching experience that I had during this course can help me use my leadership strengths and best self to achieve my professional goals.

Leadership Analysis: Margaret Jackson

My analysis of me as a leader validated my core values that are final and fixed such as, being rooted in my religious beliefs, loving my family, loyalty, faithfulness, and dedication to encouraging others to be their best whole person. My contacts view of me as a leader aligns with my top five whole person strengths in BetterUp’s Whole Person report. The holistic leadership assessment activities and journey revealed the intricacies of my strengths in supporting goal-oriented teamwork, staying mindful of emotional regulation without weakening leadership authority, keeping an open mind to opportunities like BetterUp coaching, and out of balance work-life threatens my leadership achievement and performance.

Identify Your Top Three Strengths from the BetterUp Assessment

My top three strengths from the BetterUp assessment are flow, participation, and open communication.

Explain How You Currently Use Those Flow Thriving as an Individual

My ability to focus on a project uninterrupted for hours is my preference. Flow is a strength that is easily adaptable to high-demand work projects. I use this method each day that I enter my office at the Alameda County Small Business Development Center (SBDC) as the director. I spend focused hours writing requests for proposal and grants, funding narratives, and program reporting use of federal and state

Participation Inspiring as a Leader

Encouraging my team to take initiatives and voice their ideas, opinions, and critically think in the workplace builds their skills. Participation builds trust and camaraderie in the group. It is normal for me to have a 1:1 meeting with team members for them to share project updates, ideas, and concerns. We have a lot of fun exploring innovative and implementing ideas that enhance our customer’s experience.

Open Communication Inspiring as a Leader

Cultivating a work environment that encourages open communication mitigates unnecessary confusion and complaints. I encourage direct feedback, having candid diplomatic discussions on tough issues, and conversations around improving processes. As a result, our productivity is high, and our team spirit higher.

Who Am I When I Am at My Best, According to My Contacts

My contacts expressed similar thoughts about who I am at my best. I am at my best when I am able to help others achieve their goals, complete clearly defined projects with team members, and focused time to accomplish the goal. I thrive on fighting to help others succeed, determined, compassionate, and leverage opportunities to create win-win outcomes for everyone. I am able to stay calm and solve problems even if they do not go as planned. I will sacrifice leisure time at home to accomplish the goal by pushing myself to extreme limits. I set my sight on something and work until I get it right.

How Your Strengths Are Reflected In Your Actions When You Are At Your Best

The best way that I can describe how my strengths reflect my actions while at my best is my willingness to lose temporary disputes. I decide on whether it is necessary to win or not. Can the job get done without insisting on winning a brief dispute? As a leader, I am willing to sacrifice being right so that we can succeed and win as a team.

Leadership Statement: Who Margaret Jackson is as a Leader

My purpose is to lead and inspire people to live life with purpose. A few of my top professional values include helping others, collaboration, achievement, and creativity. My three leadership strengths flow, participation, and open communication are the strengths that bridges to my top professional values that support my leadership strengths to help people live life on purpose and resolve.

BetterUp Live Coaching Experience

The BetterUp experience coaching session focused on my top three strengths and mindfulness strength for me to achieve my professional goals. My best

self is to maintain my balance by taking time out for me, delegate, communicate, and do not overflow on projects. My plate is stacked full with SBDC work, being a radio show personality, small business magazine publisher, and an MBA student. The best self is achieving total balance to reach professional and personal goals.

Y/E 2.0 (Young Entrepreneur)

Young Entrepreneurs 2.0 are radical thinkers and bungee jumping risk takers, dive in for a high impact experience!

Silicon Valley SNUG

Pretzel Encrusted Pork Chop w/ Sweet n’ Tangy Mustard Sauce

By: Chef Tisha Wylie Jeffers I Tisha’s Table I www.tishastable.com

My Husband LOVES pork chops, so I’m always looking to create new and tasty ways to prepare them. Usually, I would use Panko bread crumbs, but I wanted a different texture and crunch, and the pretzel crisp worked perfectly. It may seem like a lot of steps, but trust me, the recipe is easy to follow and simple to execute.

4 Boneless pork chops, Seasonings to taste: Kosher salt, pepper, garlic & onion powder, dried parsley

Directions:

1 ½ cups of flour

2 eggs + 2 Tbsps. of water

1 ½ cups of crushed pretzel crisp (I used my blender to grind the pretzels down)

¾ cup of Canola oil, for shallow pan-frying

For the Mustard sauce

1/3 cup Spicy mustard 2 to 3 Tbsps. vegetable or chicken stock Pinch of salt, pepper, and dried parsley

1 Tbsp. of brown sugar

1 pat of butter

For the chops: season the chops on both sides and set aside. In a medium bowl, add the flour and season liberally. In a second bowl, add the eggs and water season liberally. Add the crushed pretzels to a third bowl. This is the breading station for your chops. Take one chop dredge in the flour, coat in the egg wash, and then coat with the crushed pretzel set aside. Repeat this process for the remaining chops. Shallow fry the chops on each side for about 3-5 minutes per side or until done. Set on a rack to drain excess oil.

For the mustard sauce: Add all of the ingredients (except the butter) to a small saucepan and mix together on medium heat (do not boil) taste to check the seasoning. Turn off the heat and stir in the pat of butter. Serve on top of your yummy pork chop & garnish with chopped fresh Italian parsley.

Cook’s note: Don’t eat pork? Use boneless skinless chicken breast or Pacific Rock Cod.

Recipe courtesy of Chef Tisha Wylie Jeffers, owner of Tisha’s table.

Private U.S. Investigators: A Woman’s Role in a Male-Dominated Profession

By: Judy Peterson I Kroot Private Investigation I https://www.pi-kroot.com

It could be argued that Sherlock Holmes is the best known private investigator of all time, even though he’s a fictional character created by mystery writer Sir Arthur Conan Doyle.

The Holmes’ novels have entertained readers for well over a century, as the ponderous investigator follows baffling clues to reveal the identities of evil-doers.

Holmes is known as a keen observer who often uses forensic science and logical reasoning to uncover the truth, attributes that serve real-life investigators equally as well.

That said, Kroot honed her skills as an 18-year investigator for the Santa Clara County District Attorney’s Office. Before that, she was a corporate investigator for five years for Advanced Micro Devices.

Her experience is complemented by a bachelor’s and master’s degrees in criminal justice administration. She also holds an Advanced POST Certificate from the state of California, having completed the specialized investigator academy for the Peace Officers Standards and Training.

“It’s a gratifying profession because you’re helping people solve problems,” said Tracey Kroot from Kroot Private Investigations. “You can make a huge impact on peoples’ lives for the better.”

Kroot is one of an estimated 33,000 licensed women private investigators in the U.S., according to Data USA. It also says there are over 40,000 licensed men in the field.

“It’s pretty awesome being a female in a male-dominated profession,” Kroot said. “I think we bring a different approach than men. We blend into the environment better, so we’re not scrutinized as much as men, which is critical to getting a good result. Recently, I was in a bar asking bartenders and managers about a former employee. I think they were comfortable talking to me because I’m a woman. A man might have been seen as a stalker or someone from law enforcement.”

Kroot founded her all women, San Jose-based investigation firm in 2015.

“Back in the day, I dealt with a lot of children, elder, and domestic abuse cases,” Kroot said. “These can be extremely-sensitive and personal conversations, and I think women are better equipped to have them because we’re usually more empathetic than men.”

Kroot went on to say that “oftentimes the ‘good old boys network’ comes into play, but just as often they’re looking for a female – it gets back to empathy and approachability.”

The perception that men dominate the industry is one reason why women private detectives have formed strong support networks, Kroot said.

Today, Kroot focuses on family law and child support cases. She’s also hired to conduct witness

“

Nothing gets solved in 60 minutes, but it is exhilarating when you solve a complicated case – you just can’t make this stuff up.

interviews for criminal defense attorneys and civil litigators and performs background checks that are known in P.I., lingo as “skip tracing.”

licenses private investigators after they’ve completed three years of intensive on-the-job training.

So, the reality is quite different from the “Hollywood” private investigators portrayed on T.V. and in the movies.

She recently conducted an asset search on behalf of an attorney whose elderly female client had “lost” $250,000.

“I searched the woman’s house, but couldn’t find any documents relating to the $250,000,” Kroot said. “I did find keys to two safety deposit boxes, so the attorney and I picked up our client and took her to the bank. We found $25,000 in cash in the boxes and the original cashier’s checks for the money. But the checks were expired, and the bank had no record of them because they were more than seven years old.”

Most banks don’t keep records past seven years. In the case of our elderly woman, the bank did try to track her down and, at some point, re-issued new checks.

“But a woman by the same name in Georgia had cashed them,” Kroot said. “The FBI got involved, and the bank had to make my client whole to the tune of $250,000.”

“We’re not Charlie’s Angels,” Kroot said. “Nothing gets solved in 60 minutes, but it is exhilarating when you solve a complicated case – you just can’t make this stuff up.”

Tracey Kroot can be contacted by phone at 408309-7064 or email Tracey@pi-kroot.com. Also, visit her website at www.pi-kroot.com.

Kroot isn’t particularly fond of stake-outs because “they’re boring,” but those sometimes come into play, depending on a client’s needs. She avoids cases she thinks might put her in danger, choosing to leave those to her male counterparts.

“Most of my clients are attorneys or have been referred by an attorney. So that provides an extra element of security because they’ve been prescreened,” Kroot said.

Social media is a tool she frequently uses to uncover secrets people don’t want to be exposed. Other computer-based tools are rigorously reg ulated by the state of California, which tests and

Coach Tip: Code of Ethics

By: Margaret Jackson | |AM 1220 KDOW & iHeart Radio | www.kdow.biz Money 2.0 Team

What is today's standard on the Code of Ethics and business conduct? It is a question that may ring, regularly, throughout the political fabric of this great Nation. It is a time of much character uncertainty. A code of ethics must start with the leadership's core values and beliefs. A leader is a leader when no-one else is watching and conducts themselves at an exemplary standard. Great leaders, genuine leaders' character is not uncertainty, it is sure and refuse to bend toward anything that diminishes the value of their core beliefs.

Values are the moral code of a person. It is that moral code that sets the standard or values for a new venture. The word value presumes that value or the moral compass of a person is always right. The value is the belief system of that individual, be it good or bad. With that said, “The values and morals that entrepreneurs draw on to guide their ethical behaviors come from a variety of sources, including their family upbringing, their faith traditions, mentors who have shaped their lives, and the communities they grew up in” (Scarborough & Cornwall, 2019, p. 54).

Developing a Code of Ethics in a business venture is the baseline of how you plan to conduct business and what your company team members should emulate and follow. Examples to consider, when developing your Code of Ethics are:

1. Honesty

2. Trust

3. Accountability

4. Professional Integrity

5. Respect

6. Inclusiveness

Using the above starter list, can you think of other guidelines that are important to add to your Code of Ethics? After you develop a Code of Ethics list, define each into instruction and a principle to integrate into your small business or micro business foundation.

S.T.E.A.M.

Science, Technology, Engineering, Arts, Mathmatetics

S.T.E.A.M up! Science, Technology, Engineering, Arts, Mathematics a global revolution, don’t miss it!

Blockchain Is The Future

By: Jesse L. Lee, Jr. | Editor In Chief | SBC Magazine

Interest in the blockchain technology is growing and may soon become ubiquitous.

The G7 (the world’s leading economic countries, which are Canada, France, Germany, Italy, Japan, the United Kingdom, and the United States) are all exploring the use of blockchain for use in their stock markets.1 Both the International Monetary Fund (IMF) and World Bank have launched a private blockchain to fully understand the technology. Blockchain enhances the integrity and trustworthiness of business transactions.2 Blockchain can prevent the violation of trust and vulnerability of innocent consumers and organizations.

Blockchain is cryptographically secure, and experts are forecasting; it will affect trillions of US dollars to the global economy. We now live in the 4th Industrial Revolution. With AI, swarm robotics, machine learning, the Internet of Things, in these backgrounds, blockchain will coordinate the platforms that adversaries would use to compromise security and privacy. Currently, AI and blockchain are the most disruptive technologies that are being exploited on the planet.

AI and blockchain are destined to alter our lives, work, and how we interact.

Blockchain is the power behind a serverless Internet and decentralized web where users will control their data. For instance, in the healthcare industry, patients will have the power and ability to monitor who uses their data and to obtain data copyrights. Blockchain technologists and subject matter experts are working on solutions that will tie together untrusting devices. Such as cell phones, the Internet of Things, and swarm robotics, so consensus will be possible in key decision-making cases such as when to update the software on a dishwasher.

Blockchain can be described as an example of triple entry accounting. Each participating member of the blockchain will possess its own transaction records. The blockchain would contain the third record of each transaction. For each transaction, there is a private record for both the sender and receiver and a third recorded to the blockchain. Also, blockchain allows for easier auditing and reconciliation of transactions, and automation of auditing processes, by having all transactions in one place. The future is bright for blockchain, but also for those who dare to pursue Fourth Industrial Revolution opportunities. Blockchain has proven itself as a robust storage, information tracking, and transaction tool. Harnessing the power of blockchain to ensure that everyone’s rights are protected while simultaneously ensuring inclusion, safety, interoperability, and scale will deliver massive positive outcomes.

Most people already know about cryptocurrencies like Bitcoin, Ethereum, Ripple, and Litecoin. However, these currencies would not be possible without blockchain technology. In 1991, Stuart Huber and W. Scott Stornetta cryptographically secured a chain of blocks that today has evolved to be what we know as blockchain technology. In addition, the meteoric rise of cryptocurrencies has made the blockchain’s visibility and strength somewhat weakened. For sure, the future has many ingenious tweaks, hacks, uncertainties, and inventions in store ripe for those who can successfully exploit the technology. Entrepreneurs who are life-long learners who can apply their abilities to make new products or services happen will find interesting and prosperous life journeys.

“

Blockchain is the power behind a serverless Internet and decentralized web where users will control their data.

Silicon Valley SNUG

Feta Cucumber Salad

By: Chef Tisha Wylie Jeffers I Tisha’s Table I www.tishastable.com

We are all trying to eat healthy these days and I often know times in our fast-paced society, it can be a serious challenge –the struggle is real! Well, I’m here to help! My super easy recipe straight out of my cookbook will not only satisfy your belly, but it’s healthy for you too! Go on and have that second helping! Use this salad as a side to your healthy choice dinner or add lean protein for a complete meal.

Here’s what you need:

1 hothouse cucumber, diced into bite-size pieces

5 oz. of crumbled feta cheese

½ red onion, sliced thin

6 oz. of Kalamata olives

¾ cup of cherry tomatoes, cut in half

5 oz. of microgreens or arugula

Balsamic vinaigrette (or your favorite olive oil based dressing)

Steamed/roasted shrimp or lean chicken or beef (optional)

1 heaping tablespoon of roughly chopped fresh dill

Lay the microgreens or arugula on a platter and set aside. In a large bowl, mix the first 5 ingredients –salt and pepper to taste. Lay on top of the greens, add the protein if you are using. Drizzle the dressing over the whole salad, top with fresh dill.

Learn more about “Lean Meals” at www.tishastable.com

Recipe courtesy of Chef Tisha Wylie Jeffers, owner of Tisha’s table.

Women in small business

Is The Social Events Industry Recession-Proof?

by: Meredith Walker | Posh Events and Affairs | www.posheventsandaffairs.com

If current predictors are an indication of a looming economic recession, it is defi nitely, time for Small Business Owners in the Social Events Industry to pay close attention. The National Bureau of Economic Research defines a recession as “ riod of falling economic activity spread across the economy, lasting more than a few months.” Although a recession can be a stressful time for businesses and consumers, I am better prepared this time around should it come to fruition and ready to make the most out of the opportunities it can bring.

During a recession, consumers in the Social Events Market are:

 More guarded on how they spend their money;

 Searching for a good value

 Looking for original and unique ideas

When consumers feel unsure about the economy, they tend to spend less but have higher expectations. This can be an excellent opportunity for Event Planning Industry Professionals to shine in a variety of ways that can secure lifelong clients and secure, if not boost, your company’s bottom line.

1. Spend the Client’s Money Wisely

a. Select “off-season” dates for the event – The most popular months for a wedding are May through October. A January or November wedding can save a lot on the purse strings (minus holiday weekends).

b. Opt for a “non-traditional” day of the week - Most celebratory events take place on a Friday or Saturday, but venues offer reduced rates for every other day of the week that can save your client sub stantially. If you plan your “off-day” event far in advance, guests will usually make adjustments to be in attendance.

c. Reality checks. Keep your client’s expectations in check with their budget. With all of the glitz and glamour photographs splashed across social media, it’s easy to get carried away in the excitement. It is essential to keep a close eye on what is and isn’t possible to stay on track with the budget.

2. Quality over Quantity

a. I’m sure almost everyone has heard the quote “Less is more” by Ludwig Mies Van Der Rohe, and in this industry, it is a quote that should always be in the back of a planner’s mind. Serving five mouthwatering appetizers far outweighs serving eight to ten mediocre ones. And the catering costs can be significantly lowered. It’s less expensive for the chef to produce 300 of the same food product than 100 each of 3 products.

b. Premium beverages. Providing a hosted bar of premium beverages can become very expensive. Instead, offer guests one or two popular specialty drinks, quality wine, and beer. Despite popular thinking, most people are less as much a connoisseur of alcohol as one would believe.

c. Do you need to invite 250 people? Hosting Social events should be for family and friends who are genuinely a part of your life. Inviting people for the sake of asking them is

undoubtedly a way of spending additional funds. Unless you’re hosting a fundraiser, include only those people who add value to your life before, and will continue to do so, after your affair.

3. Affordable Luxury

a. If flowers are going to be a part of your décor, knowing what flowers are in season will provide cost savings. Centerpieces flowing with beautiful Dendrobium or Phalaenopsis orchids will be more affordable during the spring versus other seasons and will elevate your event.

b. Choose a venue that is gorgeous all by itself. Have you seen the views from The Ritz Carlton in Half Moon Bay, or the ethereal beauty of the Hartley Botanica Gardens in Somis, CA? The elegance they offer requires minimal additional décor, which always helps the budget.

c. Consignment – “The resale customer is no longer somebody else’s customer; they are everybody’s customer. Mass market or luxury, if people can find a high-quality product for much less, they’ll choose used.” says James Reinhart, Co-founder & CEO of Thred Up. Remember, this concept is not just for clothing.

Success is walking from failure to failure with no loss of enthusiasm.

— Winston Churchill

During a recession, business owners in our industry must know the value of their brand and how vital it is to the experience for their clients.

As a professionally trained and skilled Executive Event Planner in Corporate, Government, and Social events, I have a particular passion for Social Events. While strategically planning meetings has its rewards, successfully implementing a social event, which creates priceless, lifelong memories for my clients, is an indescribable reward that allows me to be profitable during good and not-so-good times.

When you incorporate the aspects you are passionate about into your business; you can continue to be a relevant player in your industry; because it’s more than just the bottom line to you. It is a driven heart to pursue that passion. It is important to stay current in your field, continually learning and networking. You are willing to go above and beyond even if occasionally the margins are lower than desired.

The party and events industry is a five billion dollar industry in the United States, according to a recent report by IBISWorld, 2019. When a business owner loves what they do, conducts business with integrity and honesty, consumers will always benefit from the experience no matter what the economic climate.

Power Women, Power Secrets

By: Margaret Jackson |AM 1220 KDOW & iHeart Radio | www.kdow.biz

Womenare on the rise; they are taking their rightful place in the professional community. The Small Business Concierge Magazine’s (SBCM) Publisher, Margaret Jackson, asked a few questions to power women that the world should get to know.

Chandra Lopez-Brooks:

is the Founder and CEO of The SocialPreneur. Chandra is a Coach and Consultant to Women and businesses that want to change the world. Chandra’s secret-sauce is known for grooming aspiring politicians that are passionate about serving their communities.

SBCM:

What are the top three reasons why you selected this line of work?

CLB:

1. I am passionate about it. 2. I am great at it, 3. It is my calling to serve.

SBCM:

How do you make a difference?

CLB:

I help women build businesses and movements that change lives and their financial circumstances. I also consult organizations to raise money and build relations to create a more significant impact on their communities.

Aylia Rizvi:

is the COO and VP of Operations at Hastest Solutions Inc., in Silicon Valley. She is one of the few women around the world that is a C-Level executive in the STEM arena. She is a community pillar. She has been recognized and named as one of the Women of Influence by the Silicon Valley Business Journal. Aylia is committed to creating guided pathways for young girls to enter the STEM career field. Hastest is an environmental manufacturing company that creates the ideal environmental conditions to produce reliable products.

SBCM:

What are the top three reasons why you selected this line of work?

AR:

1. I like the technology used. 2. It is a recession-proof industry and business.

3. It is a contribution to innovation.

SBCM:

How do you make a difference?

AR:

We are the backbone of any consumer product manufactured.

Marilyn Randolph:

is the Founder and CEO of Amari Rise Publishing and Coaching Services. Marilyn Randolph is a Human Rights Commissioner in Santa Clara County, Silicon Valley, home of the San Francisco 49ers stadium. Marilyn is commissioned by the Santa Clara Board of Supervisors to speak on behalf of her community. She helps abuse survivors that want to share their story by publishing books and guides as part of their therapeutic process.

SBCM:

What are the top three reasons why you selected this line of work?

MR:

1. It allows me to empower women and girls. 2. I am a voice in my community and report that voice back to the Santa Clara County Board of Supervisors. 3. My work allows me to share my story with the public and through motivational speaking opportunities.

SBCM: How do you make a difference?

MR: I give voice to a community of survivors, authors, and youth who may not be heard. I am doing it through my work as a commissioner, publisher, coach, and speaker.

Meredith Walker:

is the Founder and CEO of Posh Events and Affairs. Meredith is a top executive event consultant. Meredith and her team extract a client’s vision and dream, strategically turning them into reality, creating memories that will be cherished and shared from generation to generation.

SBCM:

What are the top three reasons why you selected this line of work?

MW:

1. I love creating positive, fun, and lifetime memories for my clients. 2. It is my passion.

3. To build a legacy that can support women interested in this industry or entrepreneurship.

SBCM: How do you make a difference?

MW:

Posh Events and Affairs makes a difference by making the client, and their experience with us, our number one priority over everything else. We are here to serve, and we do it exceptionally well.

Vanessa Russell:

is the Founder, and Executive Director of Love Never Fails. Love Never Fails purpose is to empower all people. To express and experience their best sense of humanity by restoring, educating, and protecting survivors of human trafficking and their community. Vanessa is a humble community leader and respected by local and global leaders of her work in human trafficking.

SBCM:

What is the top reason why you selected this line of work?

VR:

One of my 15-year-old dance students, was exploited in 2010. When I went searching for her, I realized human trafficking was not an anomaly but an epidemic.

SBCM:

How do you make a difference?

VR:

I make a difference by rescuing, housing, mentoring, and educating survivors of human trafficking and their children.

Ruth Benjamin:

is the Founder of Financial Tax Strategy, as the Executive Tax Strategist. Ruth uses the tax law to help individuals that have high dollar assets defer capital gains tax on the sale of any of those assets.

SBCM:

What is the top reason why you selected this line of work?

RB: I enjoy teaching and training people about tax strategies that will keep wealth in their pockets.

SBCM: How do you make a difference?

RB: I help people build their wealth

Linda Lara:

is the Co-Founder and Co-Senior Leader of Firehouse Community Development Corporation & the Star of David Church. Her mission is to bring transformation to young people and young adults that are living a destructive and dysfunctional lifestyle.

Linda Lara is passionate about her work in San Jose, California, and throughout Silicon Valley. She is a pillar in the community and appreciated by local leaders, law enforcement, and judges.

SBCM:

What are the top three reasons why you selected this line of work?

LL:

1. To walk in my purpose, 2. To love people, and 3. To have a passion for the work that I am doing to help change destructive lifestyles.

SBCM:

How do you make a difference?

LL:

By bringing transformation to the whole body, spiritually, mentally, and physically and getting youth off drugs, gangs, alcohol, and a lifestyle that could potentially lead them to prison or death.

Power Women are on the RiSe. Women that belong at your business, network, social, and political table.”

Marcie Anderson:

is the Founder and President of Corporate Wellness Consultants, LLC and author. Marcie’s goal is to bring awareness, empowerment, and greater success to individuals, companies, and organizations through mindfulness, education, and meditation.

SBCM:

What are the top three reasons why you selected this line of work?

MA:

1. To remove unnecessary suffering, heartbreak, and lack of clarity. 2. To bring greater awareness and empowerment through reconnecting to Nature, both within and around you. 3. To provide pure, non-polluted knowledge to enable anyone to achieve the highest levels of success, satisfaction, peace, and fulfillment in all aspects of their lives.

SBCM:

How do you make a difference?

MA:

I make a difference by being the embodiment of my work. I stand by my clients long after they have reached optimal success through working with me. It is a reminder of how far they’ve come and to remind them that this life is short, so choose, act, think, and create from your heart.

Francesca LeRúe:

MSW, MPA is the Director of the Santa Clara County, Department of Family and Children Services (DFCS). Francesca spearheads DFCS providing services to protect, prevent and remedy child abuse and neglect while advancing child and family safety and well-being.

SBCM: What are the top three reasons why you selected this line of work?

FL:

1. I have an unwavering belief that no child should suffer from abuse and neglect.

2. I believe it important to do all I can and to inform others, far and wide that child abuse and neglect is preventable and that it has no socioeconomic, gender, racial and ethnic boundaries. 3. I selected and will stay in this line of work because when children have suffered from abuse and neglect, we as individuals, community and government, have a moral and ethical responsibility to serve the children and families to help them heal and positively move forward with their lives.

SBCM: How do you make a difference?

FL:

My hope is that I have in fact made a positive difference. For over 31 years, I have done my best every day to serve and give a voice to the voiceless. I do my

best to understand those I seek to help by listening to their life stories in order to develop services and programs that are catered to the needs of the children and family. I’m relentless in my efforts to prevent a child from being maltreated and being of service to those who have suffered such pain and trauma. We all need to make a difference. No child should suffer.

Tracey Kroot

is the Owner and Operator of Kroot Private Investigations, LLC. Tracey is amongst a unique industry group of women that call themselves private investigators. A world dominated by men. Tracey helps her clients uncover information and obtain documentation for many different types of personal, legal, business, and financial cases.

SBCM:

What are the top three reasons why you selected this line of work?

TK:

1. To help people who need assistance due to false accusations, 2. To help those that have been injured, 3. To those that need litigation support to include personal safety and protection.

SBCM:

How do you make a difference?

TK:

My 30 years of experience has allowed me to rapidly respond to resolving urgent and life-altering cases that led to positive outcomes and results.

Chef Tisha

Wiley is the Owner and Operator of Tisha’s Table. She is the Executive Chef that is touching the hearts of people through food. Chef Tisha provides sound food advice, gourmet food, and treats to those that want to indulge. She has provided a couple of her recipes in this magazine Encrusted Pork Chops and Cucumber Salad.

SBCM:

What are the top three reasons why you selected this line of work?

CTW:

1. I love cooking and baking, 2. I love giving instruction “how to” and, 3. It is a fabulous way to execute my creativity.

SBCM:

How do you make a difference?

CTW:

By providing food and training that is from the heart and soul. Great relationships are built over sitting down and eating homemade food together.

Tamika Ellsworth

is the Owner and Operator of Equity One Real Estate- The Ellsworth Group. She is known as a leading Bay Area Realtor, home strategist, and educator, providing next-level real estate solutions for home buyers and sellers. Tamika is an up and coming television and radio personality skyrocketing in Silicon Valley/the Bay Area.

SBCM:

What are the top three reasons why you selected this line of work?

TE:

1. Generational wealth through real estateEducation, 2. A strategic part of the most significant purchase in most people’s lives-Empowerment 3. I get the privilege of meeting amazing people that never thought homeownership was possible –Encouragement.

SBCM: How do you make a difference?

TE:

My passion for homeownership started as a carpenter over 20 years ago. I would build homes in Tijuana, Mexico, for single moms and families that were disadvantaged. It meant something special to hand over the keys. And that I had a strategic part

in creating generational wealth through real estate for not only the parents but for their kids. The same rings true to this current day. I’m still that personal key to encourage, educate, and empower people to invest in their future.

Bridging the Gap

Concerned about how to bridge business gaps, politics, gender gap, race, culture, faith, disabilities, diversity, and age into your small business? We help bridge gaps.

The Three Things I Learned as a Business Owner With Kids

by: Tamika Ellsworth | EQ1 Real Estate | www.tamikaellsworth.com

My two girls mean the world to me, and my husband has played an enormous role in supporting me with my dreams. I've been a successful business owner since 2004. Real estate is my passion, and I get the privilege to assist in significant life events with families all over the bay area. I've also learned some mommy lessons along the way and would like to share.

1. The "business" will always be there, but the precious moments you'll never get back.

Find time in all the busyness to stop. Stop and take in your children's voices. Ask them questions and watch them light up to have a conversation with you. Ask them about their day and give your undivided attention as they pour over their day. The small 15-30 min convo means so much more to them than you think. I see the look on my daughters face when I shut out everything and everyone else. It makes them so proud to be the main focus of my attention when so many outside things fight for my time. Find time to crawl into bed and sleep with your kids sometimes and let them know they're never too old for a cuddle.

2. Not every task will get done, and it's OK.

Permission to not be 100% in everything that's on your plate. Sometimes I wish I had more time in the day to finish the several loads of laundry that are piling up or keep the house spotless — continually cleaning up after two rambunctious girls is tiring! But I'd rather see them make a mess from their toys utilizing their imagination than sit with an electronic device and veg out all day. I want to think that I'm a superwoman, but let me be real; I can't do it all. Stress was eating me alive all because I wanted to have everything perfect. Pick and choose your priorities. Whatever can't get done in those 24 hours, can wait until the next day!

I think it’s empowering for children to see their mothers in a work environment and BOSS mode.

3. Invite your children into your business world.

I found that my girls appreciate going to the office with me and look forward to being my "assistant" when viewing homes. I think it's empowering for children to see their mothers in a work environment and BOSS mode. My clients have all been fantastic, and my girls learn to behave around adults and conduct themselves around professional environments. I want my girls to see that mom has different sides to her, and they can all be complimentary. I'm leaving a legacy, and I want them to see that mom's hard work has left them something that can be carried on for generations.

The Need and Benefits of Workplace Zen

By: Marcie Anderson | Corporate Wellness Consultants |http://www.corporate-wellnessconsultants.com

Zen is a word that is elusive in its ability to be succintly understood and its benefits.

Zen is enlightenment through the most direct possible methods. Society’s workplace is in desperate need of this thing that we call Zen. There is a painful aching need for peace within. Peace is a powerful, organic force desired by everyone, and it is the foundation needed to create success, joy, and love. What is true inner peace? Can it be attained, and by what means?

Stress and anxiety levels have reached alarming proportions and continue to rise.

Over 40 million adults suffer from unmanageable stress levels, and there’s no indication with the way things are going, that what’s on the horizon communicates any real remedy. In the past five years, stress levels have increased. The hard question to ask is, ‘Why?’ High levels affect individuals and entire organizations alike. Should the focus be on reducing stress and anxiety or on the prevention of them? Both.

Humans have four (basic) qualities; physical, emotional, mental, and spiritual.

A balanced human being has fluctuating but equal levels in these four qualities. An unbalanced human being is grossly out of alignment in more than one quality, if not in all at the same time. It’s not difficult to see that dealing with high levels of stress can and often trigger new additional waves of anger,

grief, guilt, low self-esteem, and fear, which in turn snowballs into more significant amounts of stress.

It is essential to access a service that addresses both acute and chronic challenges, to help right now and at the moment.

Gradually, the basics evolve into a positive forward momentum that is noticeable, palpable, like being able to hit the ‘reset’ button for your life but in real-time. My coaching specializes in bringing a complex field of study and practice directly to you in a variety of offerings to best serve individuals and organizations collectively. You wouldn’t put a simple bandaid on an ulcer, much like you wouldn’t put a coat of paint on a cracked foundation, pretending it’s going to help. People react and handle stress in different ways, and unfortunately, more times than not, the outcome is not good and is harmful and hurtful to themselves and others. Every moment of your life, you have many choices. How will you begin to choose differently so that a brand new outcome will result?

In my practice, I help by first clearing away the multiple layers of clutter by directing my clients to the simplicity and beauty of

There is a direct correlation to nature and our four basic human qualities; physical relates to the earth, emotional relates to fire, mental relates to water, and spiritual to air.

each moment; within themselves and through nature. When you take a deep breath, slow down, and allow yourself to consider there is no “Oops” in nature, how can there be an “Oops” in you? Even if you are stuck in a negative cycle of reacting to stress and anxiety for years that has undoubtedly brought you more of what you don’t want, believe that positive change can occur more quickly than you think. Through a combination of bite-sized meditation practice and knowledge to help secure a new foothold, you’ll be well on your way to a much more enjoyable, peaceful, and inspired life.

The benefits of meditation and establishing or expanding upon an existing practice read like film credits at the end of a movie. I will name a few.

Positive benefits of meditation:

*Improved concentration, memory, and creativity

*Weakens/lowers negative emotions

*Extends mental space

*Cultivates greater awareness

*Increases hope

*Promotes non-judgment and peaceful observation

*Promotes happiness

*Improved productivity and performance

*Psychosocial well-being

*Promotes emotional intelligence and motivation

*Promotes relaxation and peace

*Positively benefits occupational innovativeness and development

In a time where there are high levels of fear that feed stress, anger, anxiety, and poor sleep and health issues, there is an even greater remedy. It is one thing to talk about ‘someday’ or ‘tomorrow’ when wishing to create change. But talking about making steps towards reducing and preventing negative and harmful things like stress, talk is cheap and will do nothing. Action is required. That action is inward, silent, peaceful. Welcome to meditation.

Diversity and Inclusion in the Workplace

by : Daniel Newell | Ohlone College Career Center | SBC Advantage (510) 742-2323

Diversity in the workplace is a hot topic. Diversity is often viewed as a topic about ethnicity. Ethnicity is only one of many components that make up the differences. Other factors may include gender, age, national origin, disability, veteran status, gender identity, sexual orientation, and more.

As a millennial, gay, male, Latino, with a disability, I have encountered discrimination on many levels in both my personal and professional life. Being a feminine gay male, the perception about my sexual orientation has probably been more prevalent than that of a masculine gay male and has resulted in varying degrees of prejudice toward me from namecalling to physical and sexual assault. #metoo

All workplaces should be free of discrimination – but they’re not. Recent news has showcased that even the highest ranking officials in Corporate America and even the White House are allegedly at fault for discrimination, sexism, and unfair practices. In Silicon Valley, diversity is everywhere, and although it is valued in the workplace, many institutions fail to be inclusive. Diversity and inclusion are two very different things. I once heard an executive of a start-up company speak about this topic at a Silicon Valley conference. She stated that diversity is “inviting everyone to your party,” while inclusion is “making them feel happy they came.” The difference between these two matters is vital because one focuses on making sure a population is represented, the other focuses on making a population feel valued. Diversity and inclusion are personal. Protected classes are cultures, and culture often defines people and their values. All it takes is one culturally insensitive employee to disrupt a workplace, and like dominoes, the disruption

will spread. It can lead to high turnover, negative branding, and a potential lawsuit.

Most forms of discrimination I’ve experienced have occurred regarding others’ perception of how a male professional should look. I dye my hair blond and have brown low-lights, and I prefer to wear foundation on my face. It is not uncommon for professionals to wear foundation. Except for a man, it is. Some may mistake this culturally influenced characteristic as being unprofessional. A new manager with a former employer, for example, implied that I did not have a pleasing appearance that “conveys professionalism.” I was shocked because I wore suits virtually every day, I had been a public spokesperson for over six years and at the time, been featured in magazines, television, newspapers, and radio. I was an appointed government official, an expert in my field who held numerous executive level positions in the community.

In this particular case, the new manager removed me from all future public engagement opportunities. If I were a heterosexual woman, I wonder, would I be treated the same way? Why now, after over six years, was my appearance suddenly a problem? Is this, possibly, an example of discrimination based on gender and perhaps sexual orientation?Diversity is the first step to leveling the playing field for minorities; the next is inclusion. For employers, I recommend that they make every attempt to treat all applicants and employees equally while being mindful that special considerations exist that are unique to a population. In my case, for example, my attire and appearance

“

Diversity: the art of thinking independently together.

- Malcolm Forbes

were never unprofessional. Instead, it was unconventional – a considerable difference. For job seekers, I recommend that when they feel they may be experiencing discrimination that they speak up.

Many times discriminatory behavior takes place by mistake, an unconscious bias. It does not excuse the behavior; However, it provides an opportunity for the job seeker to educate the employer so they can hopefully learn from their mistake and change their behavior.

People are different, that will never change. When we accept these differences and leverage them to promote creativity and innovation, we move our workplace, our community, and our society to the next level.

The Bottom Line

Financial intelligence the journey of how money works, amass, secure, invest, and handle it, is the bottom line.

Understanding your FICO score.

by : Ruth VanDerostyne | Financial Education Services | SBC Advantage (888) 977-1222

Collections

1. If you pay a collection account, it will drop your credit score. If you want to pay a collection account that is currently on your credit report, it will drop your credit score because it makes the date of activity current. It is best to ask the collection company if they will stop reporting to the bureaus if you agree to pay the bill.

2. It does not make a difference on the FICO score if you settle the account versus paying the bill in full. If there are collection accounts to settle, do not let a mortgage credit be run. Experian has a program where they notify the collection companies if your credit has been run. If you run a mortgage credit report before you settle the collection, you will not get a good deal to settle. They know you want to purchase a home and in order to do that, you need to pay the collection.

3. Settle a collection at the end of the month, so you will get a better settlement. Collection companies have quotas they need to meet, and if you wait until the end of the month, you will pay less for the debt. If you have a collection company calling, tell them “do not contact me by phone” if they continue, you can sue them. If you have a robot calling your cell phone, that is an automatic reason to sue them also.

4. If you have one or more accounts to settle, do not let a mortgage credit be run.

Amount of Tradelines you should have:

You should have four accounts in good standing to optimize credit score. It is best to have a home loan, car loan, and two credit cards. If you don’t have a home loan or a car loan, you should have four credit cards. Student loans, if not in deferment count as one of the four trade lines active on your credit report.

Credit Card Balances:

It is important to keep your credit card balances under 30% of its limit (15% is even better). If you keep your balance under 30% of the credit limit, you will receive 5 points to your FICO score, If you keep your balance under 15% of the credit limit, you will receive 15 points to your FICO score. Once you go over 50% of the credit limit, it will drop your score 18 points (per credit card).

If you have a collection company calling, tell them “do not contact me by phone” if they continue, you can sue them.

Inquiries:

5-9 inquiries in a two-year period will drop your score 20 points. Don’t let anyone run your credit. You can run your credit on the free websites, show that report to the person you are applying for credit and see if they can do the deal. If they can, then allow them to run your report through their company.

Don’t close credit cards:

Once you have eight years worth of credit history on your credit report, you get 40 points added to your FICO score. So don’t close credit cards. If you want to do a “transfer balance” to another credit card, that is ok, don’t close the credit card you moved the balance from. Don’t let the creditor close your account. Use your credit card once every 4 to 6 months, then pay off the balance.

Authorized User:

The authorized user still works today. Example: Mom has great credit, and she wants to help out her son. She can add him as an authorized user on her credit card, Mom’s great credit will go on the son’s report, son’s bad credit will not hop on Mom’s credit report.

The authorized user works for car loans and credit cards. If you want to open a home mortgage, you need to have your own credit established.

Types of Credit Cards:

If you only have major credit cards (Visa, Mastercard, and American Express), you will get 16 points added to your FICO score. If you add a department store card to your credit, you will then have 27 points added to your FICO score.

Bank Accounts:

If you have a checking account, it will give you 5 points added to your FICO score, savings account gives you 10 points, if you have both, it will give you 20 points added to your FICO score.

By: DGS Staff| CA Department of General Services | https://caleprocure.ca.gov.

What is the California Department of General Services (DGS)?

DGS is the business manager for the state of California, providing procurement and business solutions for state agencies, local agencies, resource partners, and external customers. Each year, the state purchases 8 to 10 billion dollars’ worth of goods, information technology, construction projects, and professional services. As the business manager for the state, DGS oversees much of this acquisition activity through its regulations, policies, and programs.

Getting certified with DGS increases business opportunities

DGS encourages small businesses and businesses owned and operated by disabled veterans to register and become certified to do business with the state. The Small Business (SB) and Disabled Veteran Business Enterprise (DVBE) certification programs provide these groups with bidding preference and contracting opportunities. State departments are required to contract 25 percent of their annual spending with certified SBs and 3 percent with certified DVBEs. Getting certified helps SBs and DVBEs compete for state contracts on a more level playing field with larger firms, promoting competition, and supporting California’s entrepreneur and veteran communities.

In January 2019, a new SB certification – Small Business for the Purpose of Public Works (SB-PW) – took effect for state public works contracts and projects, supplementing the existing SB certification. The new SB-PW certification expands opportunities to participate in public works projects as a certified small business to firms that are relatively small in the public works arena but are larger than allowed by the SB certification limits. Under the new SB-PW certification, firms with average gross annual revenues of $15 million to $36 million, or with 100-200 employees, can receive certification as a Small Business for the purpose of public works contracts.

State certification also opens doors to doing business with cities, counties, and organizations that have programs requiring them to award some percentage of their business or give preference to state-certified SBs and DVBEs. A list of the state’s reciprocity partners can be found at https:// www.dgs.ca.gov/PD-Reciprocity.

For more information about doing business with the state and its certification programs, visit https://caleprocure.ca.gov.

DGS Outreach Team Champions

DGS Outreach team champions SB and DVBE businesses

The DGS Outreach team serves the SB and DVBE communities by assisting businesses with certification and access to procurement opportunities through outreach and training. The Outreach Team works with diverse groups of business organizations and attends outreach events, participates in interactive panels, exhibits at events, provides workshops on certification and doing business with the state, and provides one-on-one advice to assist suppliers with the state’s procurement process. The mission of DGS’ Outreach team is to help SBs and DVBEs thrive through expanded business opportunities in California.

To find upcoming Outreach events, visit https://www.dgs.ca.gov/PD/Events

To find additional resources on doing business with the state of California, visit https://www.dgs.ca.gov/PD-SB-DVBE-Resources

DGS Outreach employee spotlight

DGS Outreach Program Manager Danetta Jackson has worked to champion the SB/DVBE Outreach program for ten years. She is proud of the program growth and thanks to executive leadership support within DGS, as well as the diverse talent of her team. She leads the Outreach program with a focus on educating small, disabled veteran, and underrepresented businesses to ensure they understand and can navigate the state’s procurement system. Also, her office provides training to state departments on contracting best practices to assist them in meeting their contracting participation goals. Danetta is responsible for forging strategic collaborations with small business organizations and agencies at the private, local, state, and federal levels.

For additional information about doing business with the state, contact the DGS Outreach Team at Advocate@dgs.ca.gov.

Insurance Executive Overview & Primer for Concierge Magazine Readers

by : Warren Wettenstein | Wettenstein Insurance |www.ourinsuranceguru.com

Some businesspeople view insurance like taxes a chore to get through costing money and required by others for compliance. Business insurance is too important and costly, so having this basic knowledge can save your business money while facilitating growth.

Business Owner Policy (BOP) is a popular package

combining Commercial General Liability (CGL) and Property Insurance. It may include Liability, Business Personal Property (computers, inventory, furniture), Lessor Coverage (required by landlords from tenants), Tenant Improvements, Cyber, Employment Practices, Business Interruption, and Additional Insureds. Most BOPs focus on a particular business risk category - a real estate office faces different risks than a restaurant, and their BOP should reflect that uniqueness. Basic coverages and deductibles can be adjusted. Since each carrier has a BOP version and preferred target customers, always ask if your business fits into their particular “appetite.” If not, you may be misplaced generically as Not Otherwise Classified (NOC), priced higher to discourage you, or even declined to quote. When adding special coverages, they are called Endorsements. Certificates of Insurance validate policyholder coverage to landlords and clients, sometimes at no cost, depending on policy/carrier/agency.

Professional Liability (PL), also referred to as Errors & Omissions (E&O) or Medical Malpractice, is not included in BOPs. PL is imperative if you provide a professional service or routinely give advice to clients. For home-based businesses (webmaster), PL may be sufficient for their needs without a BOP.

Both PL and BOP are imperative for accounting or medical offices.

Commercial Umbrella adds higher limits over several coverages. It can be a strategic way to increase overall coverage while saving over increased coverage on each category alone.

Commercial Vehicle coverage includes work trucks, but also the vehicles used for the combined business and personal use. If an accident occurs when using a personal-only vehicle for commercial purposes, personal insurance carriers may disallow coverage. Realtors driving clients around should have commercial- and personal-use coverage. Now, due to the National Commercial Motor Vehicle databases, a boating DUI in one state can impact commercial drivers licenses (CDL) in another. Employers need to monitor CDL motor vehicle reports regularly.

Worker’s Compensation (WC) is no-fault coverage for work-related injuries. It is always critical to provide safe working environments. Employers are required to provide WC in most states. Failure to comply can bring a criminal action. While optional in some states, such as Texas, it is recommended to help employees get suitable treatment, back-to-work, and protect employers from lawsuits. Sometimes Owners and Officers may exclude themselves from coverage, thereby lowering their WC premium, but risk no compensation if they too get injured on the job. Rates may be based on job category, payroll, and loss record (claims made). “Experience modifiers” reward established firms are having better than average claims record by lowering their rates. Inversely, firms with high claims records may pay higher rates or be non-renewed by carriers. Hybrid Solutions from multiple carriers may provide better coverage/rates.

Now, due to the National Commercial Motor Vehicle databases, a boating DUI in one state can impact commercial drivers licenses (CDL) in another.

AAccounting

Eva Smith & Associates

Small Business Accounting/Bookkeeping/1-on-1

Support

Eva Smith| EA Hayward, CA......................................510 889-8885

http://www.estaxservices.com/

Academic Success

Firehouse Community Development Center

Firehouse Academic Program (4-Fs)

Anita Rubio | Operations Manager

San Jose, CA........................................408 327-9622

http://www.the-firehouse.org

Acupuncture & Pain Relief

Eternal Health & Wellness

Acupuncture for Stress Relief

Dr. Quli Zhou| Chinese Medicine

Milpitas, CA........................................408 241-6638

http://www.myeternalhealth.com/

Addictions

Positive Progression Inc.

Treatment Programs Designed to Meet Every Need

Katy Mc Dowell | Executive Director San Jose, CA .....................................888 333-3963

http://www.positiveprogression.org

Advertising

Architeckie

Build Memory / Get Remembered / Make Sales

Isaac Teckie | Consultant

San Jose, CA .....................................408 389-4572

http://www.architeckie.com

Money 2.0 Business On The Edge/AM 1220 KDOW

Advertise Strong/Brand Longevity/Grow Business

Contact Us for a FREE On-Air 60 second pitch

Team Edge |Advertising Strategist

Bay Area, CA ....................................408 357-0951

http://www.businessontheedge.biz

Ohlone College: Extended Opportunity Program & Services

“Got Textbooks?” EOPS meets students educational needs by providing support services i.e. book-grant, financial aid assistance, and tutoring

Sandy Bennett |EOPS/CARE Coordinator

Fremont, CA ....................................510 659-6152

https://www.ohlone.edu/eops

Art Gallery

Machu Picchu Gallery of the Americas

Mobile Art Gallery, Events, and Networking

Olga Enciso Smith | Founder | Social Entrepreneur

Bay Area, CA .......................................408 529-2296

N/A

Audio Production

JM Audio Services

Live Sound/Digital Audio Engineering/Consultation

Jarel Martin | Audio Engineer & Owner

Oakland, CA .......................................

http://www.jmaudioservices.com

510 686-3021

SAE Expression College / Audio Program

Offers programs in Animation, Audio, Digital Film, Game Development, and Entertainment Business Admissions |Emeryville Campus

Emeryville, CA .....................................510 654-2934

http://www.usa.sae.edu/campuses/emeryville

Automotive Services

Pacific Tire Outlet

Bay Area Tire Solutions Voted Milpitas Best

Ask for Phil | Owner Milpitas, CA .......................................408 791-0418

http://www.pacifictireoutletinc.com

Author Plan-18

Workbook containing legal documents for turning 18

Cheryl Nelson | Author & Speaker

Bay Area, CA .....................................408 614-1628

N/A

DO Enterprises

Executive Level Mentality

Devin Oten | Author & Speaker

Bay Area, CA .....................................504 319-6079

http://www.devinoten.com

Kari Kelley

Storytelling, Performing with a purpose, Overcoming childhood abuse

Kari Kelley | Author, Speaker, Artist

Bay Area, CA.............................408 373-7263

http://www.karilkelley.com/

Marcie Anderson

Book: Are We There Yet?: Enlightenment for Busy People

Marcie Anderson | PhD Author & Speaker

Mount Pleasant, SC.............................415 418-4358

https://amzn.to/3aMhBF6

Marilyn Randolph

Family Child Care Guide - Start a Child Care Business

Marilyn Randolph | Author & Speaker

Bay Area, CA .....................................408.389-8672

http://www.marilynrandolph.com

BB2B Network

Architeckie

Business Solutions Network Community

Isaac Teckie | Consultant

San Jose, CA .....................................408 389-4572

http://www.architeckie.com

Baby Shower Gifts

Babee Kakes

Uniquely customize diaper cakes for mother-to- be

Rochelle Evans | Designer & Owner Oakland, CA .....................................415 941 2390

Banking Services

BBVA Compass Bank

Creating Opportunities/Workplace Solutions Officer

Jeanie Irvin | VP Workplace Solutions

Walnut Creek, CA ............................925 286-3438

http://www.bbvacompass.com

BBVA Compass Bank

Growth through Deposits and Loans

Manager, Business Banking Specialist

Sunnyvale, CA .................................408 774-6200

http://www.bbvacompass.com

Be Your Own Boss

Arbonne

Financial Freedom/Flex Hours/Positive Attitude

Beth Bigger | Independent Consultant

Bay Area, CA ...................................831 915-7865

https://www.arbonne.com/discover/index.shtml

Beauty Hair Extensions

Vanda Salon

Featuring premium hair & skin care, cosmetics, and hair extension products

Vanda McCauley | Master Stylist/Consultant

San Jose, CA.......................................408 224-1224

http://www.vandasalon.net

Beauty Hair Care Regrowth

Vanda Salon

Providing the optimal in hair loss treatment, replacement and paramedical camouflage

Vanda McCauley | Master Stylist/Consultant

San Jose, CA.......................................408 224-1224

http://www.vandasalon.net

Beauty Salon

Vanda Salon

Offers a superb range of luxurious services, creating amazing looks for a diverse clientele

Vanda McCauley | Master Stylist/Consultant

San Jose, CA.......................................408 224-1224

http://www.vandasalon.net

Blockchain Technology

Ronnie Aquino

Cryptocurrency, Safe & Secure, Quick, and Cheap

Ronnie Aquino | Blockchain Consultant

Bay Area CA..........................................408 310-3827

N/A

Sign On the Go

Signature, Blockchain-Secured e-documents,digital signature, electronically binding legal agreements

Ray Sylvain| Chief Executive Officer

Boca Raton, FL...................................703 260-7090

https://www.signonthego.us

Business Development Services

Business On the Edge, Incorporated

Killer Coaching for Executive Business Owners

Margaret Jackson | Small Business Radio Personality

San Jose, CA ......................................408 357-0951

http://www.businessontheedge.biz

City of San Jose - Small Business Ally

Permits/Licensing/Code Enforement/Business Classes

Juan Borelli| Your Ally Coach

San Jose, CA ......................................408 975-2655

http://www.sanjoseca.gov/businesscoach

Silicon Valley Small Business Development Center

Dedicated to the Entrepreneurs of Silicon Valley

SBDC Staff |SBDC Advisors

San Jose, CA .....................................408 385-9800

http://www.svsbdc.org

CCampus Safety

Tip Now, Inc.

Colleges, Universities, School’s Safety Anonymous Tips

Ap

Cyril Rayan | CEO

Santa Clara, CA ..............................877 395-5095

http://www.tipnow.com

Catering

Crazy Daisy’s Sweets and Treats

An On-line Bakery Serving the East Bay

Jocelyn Twomey | Baker Extrodinaire

Bay Area.............................................510 736-4979

http://www.crazydaisysweets.com

Child Care Provider

Step Up and Do Something

Community Child Care Provider Network & Training

Rita Guess | Executive Director

San Jose, CA .....................................408 772-8679

http://www.stepupanddosomething.org

College Students

BigZpoon

On the go students discounted Restaurant Meals

Download our Mobile App. A Greener planet, one meal at a time

Sanjeev Ukhalkar, CEO |Cem Yildirim, COO

Fremont, CA ....................................415 251-3333

https://www.bigzpoon.com

Colleges & Universities Bay Area

Ohlone College: Extended Opportunity Program & Services

“Is College for You?” EOPS offers over and above services to students who are hindered by language, social and economic barriers.

Sandy Bennett |EOPS/CARE Coordinator

Fremont, CA ....................................510 659-6152

https://www.ohlone.edu/eops

Ohlone College Tri-Cities One-Stop Career Center

Recruiting Services |Workforce Planning Office |Newark Campus

Newark, CA .....................................510 742-2323

http://www.tricitiesonestop.com

SAE Expression College

Offers programs in Animation, Audio, Digital Film, Game Development, and Entertainment Business Admissions |Emeryville Campus

Emeryville, CA .....................................510 654-2934

http://www.usa.sae.edu/campuses/emeryville

Community Investment

Step Up and Do Something

Honors Class Club 100 Academic Classes

Rita Guess | Executive Director San Jose, CA .....................................408 772-8679

http://www.stepupanddosomething.org

Community Membership

Step Up and Do Something

Supporting Economic Community Growth

Rita Guess | Executive Director

San Jose, CA .....................................408 772-8679

http://www.stepupanddosomething.org

Consultant Services

Architeckie

Building Technology Around Your Business

Isaac Teckie | Consultant

San Jose, CA .....................................408 389-4572

http://www.architeckie.com

Marcie Anderson - Corporate Wellness Consultants

Self Awareness, Belief Systems, Inner Healing, Alignment, and Reset for Corporate Life

Marcie Anderson | PhD Employee Coach

Mount Pleasant, SC.............................415 418-4358

http://www.corporate-wellnessconsultants.com/

Mardin Amiri

16 years exp., in Smart & Affordable Office asneeded Workspace, Business Imaging Strategist

Mardin Amiri | Consultant

San Jose, CA .....................................408 210-2073

http://www.mardinamiri.com

Margaret Jackson/AM 1220 KDOW/AM 1100 KFAX

Bay Area/Silicon Valley #1 Small Business Radio

Personality and Private Business Consultant 1M in annual sales

Daniel Herd |Director of Business Development

Bay Area, CA .......................................408 357-0951

http://www.businessontheedge.biz

Mountain Wisdom

Fix relational problems, improve the quality of life, Human Relations

Aleks Aris |Relational Consultant

Bay Area, CA .......................................408 475-7988

https://www.mountainwisdom.net

Ohlone College: Extended Opportunity Program & Services

“Dream, Believe and Achieve with EOPS!” A holistic approach to academic advising, vocational and career counseling from EOPS counselors.

Sandy Bennett |EOPS/CARE Coordinator

Fremont, CA ....................................510 659-6152

https://www.ohlone.edu/eops

Corporate Employee Therapy

Kingdom Family Resources

Restoring a healthy employee workplace

Elizabeth Stewart | LMFT

Bay Area, CA ......................................408 800-7821

http://www.kingdomfamilyresources.com

Corporate Events

Epic Venues Glass House & The Corinthian Grand Ballroom

Breaking business & corporate traditions with epic business event experiences

Laura Buell| Executive Assistant

Bay Area, CA...Sales Call Request...408 606-8148

http://www.venuessanjose.com and https://www.corinthiangrandballroom.com

Posh Events & Affairs

We are into the details that make events unique

Meredith Walker| Owner Hayward, CA.......................................510 815-5306

http://www.posheventsandaffairs.com

Corporate Safety

Tip Now, Inc.

Campus Safety Anonymous Tips - Safety App

Cyril Rayan | CEO

Santa Clara, CA ..............................877 395-5095

http://www.tipnow.com

Corporate Video Production

C Sharp Video Productions

Corporate / Small Business / Promotionals / Voted Best in Milpitas

Christine Iglesias| Creative Director Bay Area, CA......................................408 758-8293

https://www.csharpvideo.com

Corporate Wellness

Marcie Anderson - Corporate Wellness Consultants

Women Emotional Safety, Mindful Meditation, and Workplace Synergy - Free Assessment Call Today!

Marcie Anderson | PhD Employee Coach

Mount Pleasant, SC.............................415 418-4358

http://www.corporate-wellnessconsultants.com/

CPR & First Aid Training

Deanna Martinez

CPR & First Aid Training for workplace emergencies

Deanna Martinez| Certified CPR AED Trainer

Bay Area, CA.......................................408 769-0816

https://www.cprtrainedca.com

Empowering You Now

Customer Loyalty Incentives

Creative Marketing Incentives

Customer Loyalty Incentives

Shane Higgins| Principal Owner San Diego CA........................800 619-6101 ext. 317

https://www.creativemarketingincentives.biz

Creative Wellness

Be Provided

Creative Wellness & Conservation

Marcia Sivek | Owner Bay Area, CA .....................................408 759-1863

http://www.beprovided.com

DDigital Artist

Alvie Jackson, Digital Artist Independent Contractor Animator Bringing Your Business to Life!

Alvie Jackson | Animator |Mentored by Pixar

San Jose, CA ...................................408 834-3964

http://www.alviejackson.com

SAE Expression College / Digital Art & Film Program

Offers programs in Animation, Audio, Digital Film, Game Development, and Entertainment Business Admissions |Emeryville Campus

Emeryville, CA .....................................510 654-2934

http://www.usa.sae.edu/campuses/emeryville

EEducation, Training, Workshops & Tutoring

Club Z of West San Jose

Compassionate, Advocate for Education, school tutoring, college prep tutoring, Educational Mentor

Shirin Amiri |Educational Director

San Jose, CA....................................408 600-2846

https://clubztutoring.com/west-san-jose/

The key to unlock your potential

Carolyn Robinson |Founder

Silicon Valley/Bay Area....................408-674-7892

www.empoweringyounow.com

Ohlone College Tri-Cities One-Stop Career Center

Recruiting Services |Workforce Planning Office |Newark Campus

Newark, CA .....................................510 742-2323

http://www.tricitiesonestop.com

Education Entertainment

OuttheBox Ent.

Premiere Events, Bay Area, Live Music, All Occasions

Clay Bandy |Premiere Promoter

Silicon Valley, CA...............................408 963-8500

www.venuesanjose.com

Entertainment

Kari Kelley

Compelling theatre play on results and impact of child abuse

Kari Kelley|Theatre Actress, Playwright, Author

Silicon Valley, CA...............................408 373-7263

www.karilkelley.com

Sheila Barnett Band

Musical Health & Wellness

Sheila Barnett-Zacca |Owner & Performer

Oakland, CA.......................................510 734-5697

N/A

SAE Expression College / Entertainment Program

Offers programs in Animation, Audio, Digital Film, Game Development, and Entertainment Business Admissions |Emeryville Campus

Emeryville, CA .................................510 654-2934

http://www.usa.sae.edu/campuses/emeryville

Event Planners

Epic Venues Glass House & The Corinthian Grand Ballroom

Event planner’s paradise, producing, designing, creative, out-of-box epic events

Clay Bandy| Premiere Promoter

Bay Area, CA...Sales Call Request...408 963-8500

http://www.venuessanjose.com and https://www.corinthiangrandballroom.com

Event Planning

Posh Events & Affairs

A Full Service Event Planning Company

Meredith Walker| Owner Hayward, CA...................................510 815-5306

http://www.posheventsandaffairs.com

E-Signature Platform (SaaS)

Sign On the Go

Signature, Blockchain-Secured e-documents,digital signature, electronically binding legal agreements

Ray Sylvain| Chief Executive Officer

Boca Raton, FL...................................703-864-9285

https://www.signonthego.us

Event Venue

Epic Venues Glass House & The Corinthian Grand Ballroom

Incredibly unique private event venues

Laura Buell| Executive Assistant

Bay Area, CA...Sales Call Request...408 606-8148

http://www.venuessanjose.com and

https://www.corinthiangrandballroom.com

FFamily Camp & Activities

Kingdom Family Resources

Rebuilding families through family camp activities

Elizabeth Stewart | MA, LMF

Bay Area, CA ...................................408 800-7821

http://www.kingdomfamilyresources.com

Family Therapy

Kingdom Family Resources

Restore a heart, restore a family, transform lives for a life time.

Elizabeth Stewart | MA, LMF

Bay Area, CA ...................................408 800-7821

http://www.kingdomfamilyresources.com

Financial Services

Financial Education Services

Credit Restoration, Debt Settlement, Business Credit

Ruth VanDerostyne | Credit Specialist

Bay Area, CA ...................................888 977-1222

http://www.fesexperts.com

TransAmerican Financial Advisors

Financial Advising

Bradley Hamada | Financial Trainer

Bay Area, CA ...................................408 712-2107

N/A

GGlobal Food Network

BigZpoon

A profitable and Eco-friendly way to reduce restaurant food waste. Local, National, International Restaurants Rescue Your Food.

Sanjeev Ukhalkar, CEO |Cem Yildirim, COO

Fremont, CA ....................................415 251-3333

https://www.bigzpoon.com

Graphic Design

Hoolio Hoops Graphic Design

SBC Magazine Designer - Freelance Designer for small businesses

Julio Pardo | Chief Designer & Creative

Raleigh, NC....................................408 857-4388

N/A

Government Procurement

California Department of Corrections

Getting Certified as a Small Business (SB/DVBE)

Statewide|Advocacy |Outreach

Sacramento Capital, CA ..................916 255-3029

http://www.cdcr.ca.gov

California Department of General Services

Getting Certified as a Small Business (SB/DVBE)

Advocacy Unit|Outreach

Sacramento Capital, CA ..................800 559-5529x3#

http://www.caleprocure.ca.gov

California Department of Forestry and Fire

Getting Certified as a Small Business (SB/DVBE)

MSB/MB/DVBE

Sacramento Capital, CA ..................916 323-0470

http://www.calfire.ca.gov/about/about/dobusiness_ advocates

California Department of Transportation

Getting Certified as a Small Business (SB/DVBE)

Procurement Division|Advocacy| Outreach

Sacramento Capital, CA .................916 227-6000

http://www.dot.ca.gov/dpac

California High-Speed Rail Small, Disadvantaged, and Disabled Veteran Business Contracts

Small Business Advocate| Outreach

Sacramento Capital, CA .................916 330-5672

www.ConnectHSR.com or www.hsr.ca.gov

San Jose Water Company

Supply Diversity Procurement Opportunities

Tim McLaughlin | Manager Supplier Diversity & Community Involvement

San Jose, CA ......................................408 512-4760

http://www.sjwater.com

HHair Replacement

Vanda Salon

Providing the optimal in hair loss treatment, replacement and paramedical camouflage

Vanda McCauley | Master Stylist/Consultant

San Jose, CA.......................................408 224-1224

http://www.vandasalon.net

Hair Stylist

Embracing Your Essence

43 Shadyleaf Ct

Santa Rosa, CA 95409

Patsy Sanders | Master Hairstylist, Image Coach & Speaker

Santa Rosa, CA..................................707-889-9600

www.embracingyouressence.com

Patsy@embracingyouressence.com

Healthcare Staffing

Ability Therapy Staffing

Physical Therapy Staffing Agency “Medical Staffing Specialist”

Andrew Javellan | Manager

San Jose/Bay Area, CA.........................408 659-6105

www.abilitytherapystaffing.com

Health & Wellness

Bay Area Men’s Health

Specializes in pelvic health & fitness for men over 50 Numbiya Aziz | Men’s Health Specialist

San Jose, CA.....................................510 663-8106

http://www.gentlemenhealth.com

Earnest Love, Inc.

Emotionally healthy women are healthy profissionals

Chante Dent | Executive Director Suwanee, GA.......................................678 835-7572

http://www.earnestlove.org

Eternal Health & Wellness

Balance Your Energy Balance Your Life

Dr. Quli Zhou | Chinese Medicine

Milpitas, CA.......................................408 241-6638

http://www.myeternalhealth.com

Jacqueline Turner Spa

Health & Wellness/Romance & Health

Jacqueline Turner | Alternative Health Specialist

Emeryville, CA...................................408 241-6638

http://www.jacquelineturner.com

Hospital Healthcare

Roger W. Washington, MD

Published Author, Sleep Health Speaker, Primary Physician, International Medical Graduates

Roger W. Washington| M.D. Civil Surgeon, Author, Family Medicine, Sleep Health Speaker

Santa Clara /Bay Area, CA...............NA

www.SleepMattersTheBook.com

Human Resource Compliance

Franklins Consulting

HR Compliance/Data Security/Whistleblower

Nancy Franklin | HR Compliance Consultant

South Jordan Utah...........................801 910-5605

IInsurance Services

Tressa Williams Agency

State Farm Providing Insurance & Financial Services

Tressa Williams | Insurance Agent

Bay Area, CA ..................................408 243-4400

http://www.twilliamsagency.com

Wettenstein Insurance (No-Fee Insurance)

Personal/Commercial & Small Biz/Life/Health/Special

Warren G. Wettenstein | Independent Broker

Milpitas, CA .....................................408 824-1450

www.calvantage.net

JYour Ad Subscription Here!

MManufacturing

Hastest Solutions, Inc.

Environmental Test Chamber Types are, Burn-In, HAST/PCT, HTOL/LTOL, Humidity, Salt/Fog/Spray

Corrosion, Sand & Dust, Rain Splash, and Drip, Temperature Cycling, Thermal Cycling, Thermal Shock, Customized Walk-In Chambers

Aylia Rizvi | COO

San Jose/Bay Area CA .................408 945-7861

http://www.hastest.com

Marketing

Architeckie

Get Visible, Get Sales

Isaac Teckie | Consultant

San Jose, CA .....................................408 389-4572

http://www.architeckie.com

Money 2.0 Business On The Edge/AM 1220 KDOW

Sponsorships, Commercials, Live Ads Mass Comm. Team Edge |Build Your Brand Image Bay Area, CA .....................................408 205-4056

http://www.businessontheedge.biz

KYour Ad Subscription Here!

Massage Therapy

Eternal Health & Wellness

Swedish, Deep Tissue,Aromatherapy,Acupressure, Tui Na

Dr. Quli Zhou| Chinese Medicine & Massage Milpitas, CA........................................408.241.6638

LLead Generation Incentives

Creative Marketing Incentives

Lead Generation Incentives

Shane Higgins| Principal Owner

San Diego CA........................800 619-6101 ext. 317

https://www.creativemarketingincentives.biz

Legal Services

LegalShield

Legal Protection Family/Small Biz/Employee/Identity

Verna Jones | Independent Associate

Milpitas, CA .....................................650 533-5725

http://www.vernaj.legalshieldassociate.com

http://www.myeternalhealth.com

Jacqueline Turner Spa

Health & Wellness/Romance & Health

Jacqueline Turner | Massage Therapist

Emeryville, CA...................................408 241-6638

http://www.jacquelineturner.com

Mens Health

Bay Area Men’s Health

Men’s Health Athletic Stretch Massage Performance

Anxiety

Numbiya Aziz |Men’s Health Specialist

San Jose, CA (Bay Area)...................408 909-0291

www.GentlemenHealth.com

Mental Health Support

Earnest Love, Inc.

Heal, Love, Live, Emotional Support from sexual trauma

Chante Dent | Executive Director

Suwanee, GA.......................................678 835-7572

http://www.earnestlove.org

Mobile App

BigZpoon

Make our planet greener, one meal at a time.

Download Free Mobile App for Discounted

Restaurant Meals

Sanjeev Ukhalkar, CEO |Cem Yildirim, COO

Fremont, CA ....................................415 251-3333

https://www.bigzpoon.com

Money Abundance for Business

Mountain Wisdom

Money Abundance, Cashflow, Optimize operations for a business

Aleks Aris | MAP Abundance Consultant

Bay Area, CA.......................................408 475-7988

https://www.mountainwisdom.net

Money Abundance for Individuals

Mountain Wisdom

Money Abundance, Cashflow, Personal challenges with money

Aleks Aris | MAP Consultant

Bay Area, CA.......................................408 475-7988

https://www.mountainwisdom.net

Newspaper

South Valley Review Newspaper

Better at knowing what matters to you

Brigitte Jones | Publisher & Advertising Agent

Bay Area, CA .....................................408 898-7534

https://www.issuu.com/southvalleyreview

Non Profit Organizations DONATE

Caring Neighbors, Enterprises Incorporated

Feeding Bay Area’s Elderly & Children $1 Campaign

Laromen Green| Executive Director

Bay Area, CA....................................408 469-4065

http://www.caringneighbors.org

Earnest Love, Inc.

Support women healing from sexual trauma

Chante Dent | Executive Director

Suwanee, GA.......................................678 835-7572

http://www.earnestlove.org/give

Firehouse Community Development Center

Donate to Increase Highschool Student’s Grade

Anita Rubio | Operations Manager

San Jose, CA........................................408 327-9622

http://www.the-firehouse.org

Step Up and Do Something

26 Steps A-Z Improving the Community

Rita Guess | Executive Director

San Jose, CA ......................................408 772-8679

http://www.stepupanddosomething.org

Village-Connect

Sustainable Positive Transformation, Self-aware and Self-Directed

Gaylon Logan| Executive Director

Bay Area, CA....................................510 564--4240

https://www.village-connect.org

NNature Journaling

Be Provided Conservation Radio

Nature Events, Expression, Outdoors, Smell the Roses

Marcia Sivek | Journaling Coach (Coming in the Fall)

Bay Area, CA .....................................408 759-1863

http://www.beprovided.com

Nutrition

Herbalife

The Key to Good Nutrition

Verna Jones | Independent AssoHerbalife Member

Milpitas, CA .....................................408 471-9072

http://www.herbal-nutrition.net/vjones

Occupational Therapy Staffing

Ability Therapy Staffing

Recovering regain occupational skills from injuries, age, and disabilities

Andrew Javellan | Manager

San Jose/Bay Area, CA.........................408 659-6105

www.abilitytherapystaffing.com

Office Support & Supplies

Staples

The Key to Good Nutrition

Print Staff | Print Services/Office Furniture & Supplies

Milpitas, CA .....................................408 956-9204

http://www.store.staples.com/ca/milpitas

Opportunities for Academic Success

Ohlone College: Extended Opportunity Program & Services

“You are not alone!” EOPS fosters a collaborative learning environment that leads students to academic and personal success.

Sandy Bennett |EOPS/CARE Coordinator

Fremont, CA ....................................510 659-6152

https://www.ohlone.edu/eops

Online Courses

Be Provided Online Courses

Slow Down, Relax, Meditation, Mindfulness, Nutrition

Marcia Sivek | Online Instructor

Bay Area, CA .....................................408 759-1863

http://www.ultimatehealthforsuccess.com

On the Edge WIB Concierge CLUB

Small Business Concierge Magazine

A platform that showcases women in business

Margaret Jackson | Publisher of SBC Magazine & CLUB President

Bay Area/Silicon Valley.........................408 205-4056

http://www.smallbusinessconcierge.biz

B & R Media Group

Publisher of South Valley Review, Ad Agency, Media buyer, Advertising Guru

Brigitte Jones | Advertising Agent

Bay Area, CA ........................................408 898-7534

https://www.issuu.com/southvalleyreview

Eternal Health & Wellness

Acupuncture for Stress Relief

Dr. Quli Zhou| Chinese Medicine

Milpitas, CA........................................408 241-6638

http://www.myeternalhealth.com/

Hastest Solutions, Inc.

Women/Girls Tech Tours, S.T.E.A.M. Advocate for Girls, Aylia Rizvi | Speaker Colleges, Schools, Universities

San Jose, Bay Area, CA.......................408 945-7861

http://www.hastest.com

Kroot Private Investigations LLC License#PI 128940

Family Law, Witness Interviews, Court Records Research, Criminal Defense, Civil, Background Investigation, Service of Process

Tracey Kroot | Private Investigator

Bay Area, CA .....................................408 309-7064

www.pi-kroot.com

Marcie Anderson - Corporate Wellness Consultants

Book: Are We There Yet?: Enlightenment for Busy People - Get a FREE Assessment when you buy my book!

Marcie Anderson | PhD Author & Speaker

Mount Pleasant, SC.............................415 418-4358

https://amzn.to/3aMhBF6

Marilyn Randolph

Family Child Care Guide - Start a Child Care Business

Marilyn Randolph | Author & Speaker

Bay Area, CA .....................................408.389-8672

http://www.marilynrandolph.com

Plan-18

Workbook containing legal documents for turning 18

Cheryl Nelson | Author & Speaker

Bay Area, CA .....................................408 614-1628

Positive Progression Inc.

Treatment Programs Designed to Meet Every Need

Katy Mc Dowell | Executive Director

San Jose, CA .....................................888 333-3963

http://www.positiveprogression.org

Tamika Ellsworth, EQ1 DRE: #01782633

Homebuying training, buyers, sellers, faith, ten commandments of home loans, Kingdom Building

Tamika Ellsworth | Faith Homebuying Director Bay Area, CA ....................................408 561-7922

www.tamikaellsworth.com

Tisha’s Table

Cookbook Author, Fresh Food, Baked Goods, Gourmet Cupcakes, Custom Menus, Cooking Lessons

Tisha Wylie Jeffers | Chef Bay Area, CA .....................................408 755-0353

www.facebook.com/TishasTable

Tressa Williams Agency

State Farm Providing Insurance & Financial Services

Tressa Williams | Insurance Agent Bay Area, CA .....................................408 243-4400

http://www.twilliamsagency.com

Vanda Salon

Providing the optimal in hair loss treatment, replacement and paramedical camouflage

Vanda McCauley | Master Stylist/Consultant

San Jose, CA.......................................408 224-1224

http://www.vandasalon.net

PPhysical Therapy Staffing

Ability Therapy Staffing

Promote ability to move, reduce pain, restore function, and prevent disability

Andrew Javellan | Manager

San Jose/Bay Area, CA.......................408 659-6105

www.abilitytherapystaffing.com

Podcast Programs

Be Provided Conservation Radio

Nature, Conservation, Peace of Mind

Marcia Sivek | Radio Podcast Host Bay Area, CA .....................................408 759-1863

http://www.beprovided.com/conservation-podcast

On the Edge Purpose Radio Podcasts

On the Edge Business Training & Industry Professionals

Margaret Jackson | Radio Podcast Host Bay Area, CA .....................................408 205-4056

http://www.ontheedgepurpose.podbean.com

Politics & Business

The Social-Preneur

The Leadership Coach to Ambitious Women

Chandra Brooks | Politics & Leadership Coach

San Jose, CA .....................................N/A

http://www.chandra-brooks.com

Publishers

Amari Rise Publishing and Coaching Services

Book Coaching for Authors, Publishing

Marilyn Randolph | CEO “Empowerment Author”

San Jose, CA .....................................530 430-7743

marilynrandolph@marilynrandolph.com

Politics & Business

The Social-Preneur

The Leadership Coach to Ambitious Women

Chandra Brooks | Politics & Leadership Coach

San Jose, CA .....................................N/A

http://www.chandra-brooks.com

Private Investigation

Kroot Private Investigations LLC License#PI 128940 Family Law, Witness Interviews, Court Records Research, Criminal Defense, Civil, Background Investigation, Service of Process

Tracey Kroot | Private Investigator Bay Area, CA .....................................408 309-7064

www.pi-kroot.com

Private Personal Chef

Tisha’s Table Cookbook Author, Fresh Food, California Eats, Culinary Bootcamp, Custom Menus, Cooking Lessons

Tisha Wylie Jeffers | Chef Bay Area, CA ......................................408 755-0353

www.facebook.com/TishasTable

Purchase Incentives

Creative Marketing Incentives

Purchase Incentives

Shane Higgins| Principal Owner San Diego CA........................800 619-6101 ext. 317

https://www.creativemarketingincentives.biz

RReal Estate

FCC Realty DRE 01300425

Real Estate Products & Services

Frank Cancilla | Broker

Bay Area, CA ..................................408 821-1291

http://www.fccrealty.com

Realty One Group Infinity

Helping You Make the Right Move

Mardin Amiri | Real Estate Agent

Bay Area, CA ..................................408 210-2073

http://www.mardinamiri.com

Real Estate Training Solutions

Tamika Ellsworth, EQ1 DRE: #01782633

Homebuying training, buyers, sellers, faith, ten commandments of home loans, Kingdom Building

Tamika Ellsworth | Faith Homebuying Director

Bay Area, CA ..................................408 561-7922

www.tamikaellsworth.com

Residential Construction & Remodeling

Rockstrong Development Inc.

Bathroom Remodeling, Kitchen Remodeling, Home Remodeling, New Home Construction, Stone & Epoxy

Overlay, Quality Work, On-Time, Licensed Work.

Amir Amiri | Owner & President

Bay Area San Jose, CA ......................408 694-3472

www.RockStrong.com

Restaurant

BigZpoon

Increase your profitability by reducing food waste.

Download BigZpoon Biz App to grow your profits in eco-friendly way

Sanjeev Ukhalkar, CEO |Cem Yildirim, COO

Fremont, CA ......................................415 251-3333

https://www.bigzpoon.com

Sales Incentives

Creative Marketing Incentives

Sales Incentives

Shane Higgins| Principal Owner San Diego CA........................800 619-6101 ext. 317

https://www.creativemarketingincentives.biz

Small Business Expos & Summits

Small Business Expo, Largest B2B Tradeshow in the Nation 75,000+ attendees

Featuring more than 25 Workshops, Panel Discussions, Networking Opportunities and Over 100 Exhibit

Susah Baah | Media Partnerships

Bay Area, CA .....................................N/A

https://www.thesmallbusinessexpo.com/lp/

Soul Project Manager

Marcie Anderson - Corporate Wellness Consultants

Bringing awareness, healing, and meditation

Marcie Anderson | PhD Executive Director

Mount Pleasant, SC.............................415 418-4358

http://www.corporate-wellnessconsultants.com/

Speakers

DO Enterprises

Author | Executive|Inspiration

Devin Oten | Entrepreneur Philantropist

Bay Area, CA .....................................510 319-6079

http://www.devinoten.com

Margaret Jackson/AM 1220 KDOW/AM 1100 KFAX Radio Personality|Motivation Exec.| Dynamic|Humor

Daniel Herd |Director of Special Events

Bay Area, CA .....................................408 205-4056

http://www.businessontheedge.biz

Marcie Anderson - Corporate Wellness Consultants

Personal Patterning Neutralize Negative Habits

Marcie Anderson | Ph., Executive Coah

Mount Pleasant, SC.............................415 418-4358

http://www.corporate-wellnessconsultants.com/

Special Event Planning

SPosh Events & Affairs

Classy, capable, professional. We love to plan events

Meredith Walker| Owner

Hayward, CA........................................

510 815-5306

http://www.posheventsandaffairs.com

Speech Therapy Staffing

Ability Therapy Staffing

Speech Disorders augmentative & alternative communication systems, autism spectrum disorders, or progressive neurological disorders

Andrew Javellan | Manager

San Jose/Bay Area, CA.......................408 659-6105

www.abilitytherapystaffing.com

Spiritual Counseling

Mountain Wisdom

Spiritual counseling, Energy healing, Reality transformation

Aleks Aris |Spiritual Minister

Bay Area, CA .......................................408 475-7988

https://www.mountainwisdom.net

Staffing Service

SlingShot Connections

Staff Talent. Build Solutions

Thereza Chattmon | VP Talent Solutions

Bay Area, CA ..................................408 247-8233

http://www.slingshotconnections.com

S.T.E.A.M.

Hastest Solutions, Inc.

Studennt Tech Tours, S.T.E.M Student Projects

Aylia Rizvi | Speaker Colleges, Schools, Universities

San Jose, Bay Area, CA.......................408 945-7861

http://www.hastest.com

Supply Diversity

eBay

Building A Stronger, Better, More Diverse eBay ebay Inc. Staff

San Jose, CA .................................N/A

http://www.ebay.com

San Jose Water Company

Supply Diversity & Procurement

Tim McLaughlin | Manager Supplier

Diversity & Community Involvement

San Jose, CA ..................................408 512-4760

http://www.sjwater.com

TTax Strategies

Financial Education Services

Capital Gains Tax Strategist

Ruth VanDerostyne | Expert Tax Strategist Trainer Bay Area, CA ...................................888 977-1222

http://www.fesexperts.com

FCC Realty DRE 01300425

Gains Tax Strategist

Frank Cancilla | Tax Strategist Introducer

Bay Area, CA ....................................408 821-1291

http://www.fccrealty.com

Tax Wealth

Comprehensive Tax Solutions

Bruce Jones | President | Tax Educator

Mission Viejo, CA ........................800 300-4723

www.taxwealth.com

Technology

Tip Now, Inc.

Making Communities Safer “See Something Say Something!”

Cyril Rayan | CEO

Santa Clara, CA ..............................877 395-5095

http://www.tipnow.com

Testing Services

Hastest Solutions, Inc.

Environmental Test Chamber Types are, Burn-In, HAST/PCT, HTOL/LTOL, Humidity, Salt/Fog/Spray

Corrosion, Sand & Dust, Rain Splash, and Drip, Temperature Cycling, Thermal Cycling, Thermal Shock, Customized Walk-In Chambers

Aylia Rizvi | COO

San Jose/Bay Area CA .................408 945-7861

http://www.hastest.com

Travel Services

Spectacular Odysseys

Curator of Fine Travel

Narmada Ramakrishnan | Founder/CEO

San Jose, CA ..................................408 944-9164

https://www.linkedin.com/company/spectacularodysseys

Twin Travels

Taking the Pain Out of Planning Your Travel

Alicia Owens | Travel Specialist

Bay Area, CA ..................................408 421-4704

www.twinstravelservice.com

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Wedding Events

Epic Venues Glass House & The Corinthian Grand Ballroom

An extraordinary wedding experience for the bride & groom, building a lifetime of memories

Clay Bandy| Premiere Promoter

Bay Area, CA...Sales Call Request...408 963-8500

http://www.venuessanjose.com and https://www.corinthiangrandballroom.com

Posh Events & Affairs

All you have to do is show up and smile

Meredith Walker| Owner Hayward, CA.......................................510 815-5306

http://www.posheventsandaffairs.com

Women In Business

Earnest Love, Inc.

Helping women heal from sexual trauma

Chante Dent | Executive Director

Suwanee, GA.......................................678 835-7572

http://www.earnestlove.org

Women Networking Groups

VVideo Production

C Sharp Productions

Video production: Increase Leads, Employee Retention, and productivity best in the Bay Production | Free Video Production Quote

Milpitas, CA..........................................408 758-8293

http://www.csharpvideo.com/

WWeight Loss

Eternal Health & Wellness

Acupuncture & Lipo Light For Weight Loss

Dr. Quli Zhou| Chinese Medicine

Milpitas, CA..........................................408 241-6638

http://www.myeternalhealth.com

Sister 2 Sister

Women with purpose working together to positively impact the world

Susan Chigwada | Visionary Bay Area, CA.......................................530 340-6213 www.sis2sis.org

Women’s Networking Alliance

Relationship-based networking. Build relationships and your business will grow.

Tracey Lee Davis | Vice President

Bay Area, CA.......................................669-244-4620

https://www.womensnetworkingalliance.com

Women In S.T.E.A.M.

Hastest Solutions, Inc.

Women/Girls Tech Tours, S.T.E.A.M. Advocate for Girls, Aylia Rizvi | Speaker Colleges, Schools, Universities

San Jose, Bay Area, CA.......................408 945-7861

http://www.hastest.com

XConcierges Coming Soon

Y/E 2.0 Parenting

Firehouse Community Development Center

YouTube Video & FB Live

Anita Rubio | Operations Manager

San Jose, CA........................................408 327-9622

http://www.the-firehouse.org

Y/E 2.0 Therapy

Kingdom Family Resources

Restoring professional young adults

Y/E 2.0

YFirehouse Community Development Center

YouTube Video & FB Live

Anita Rubio | Operations Manager

San Jose, CA........................................408 327-9622

http://www.the-firehouse.org

Y/E 2.0 Leadership & Innovation

Tip Now, Inc.

Leadership & Innovation Follow Your Dreams

Cyril Rayan | College Speaker

Santa Clara, CA ..............................877 395-5095

http://www.tipnow.com

Elizabeth Stewart | MA, LMFT

Bay Area, CA ...................................408 800-7821

http://www.kingdomfamilyresources.com

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Upcoming Events

February 2020

Every Saturday 9:30am

REGISTER TODAY!

“Soulful Saturday Mornings with Marcie”

By: Still Soul Studio

Venue: 579 King St., Charleston SC. Register and information: marcie@corporate-Wellness Consultants. com

2/21/20 9:00am1:00pm

REGISTER TODAY! California DGS How to Do Business with the State

Venue: Bible Way Christian Center (Silicon Valley - North San Jose) https://dgsprocure2020.eventbrite.com

Every Wednesday morning at 10 AM

March 2020

Every Saturday 9:30am

REGISTER TODAY! Meditation class at the Mount Pleasant Senior Center

Stokes-Marshall Senior Center 840 Von Kolnitz Rd Mt Pleasant SC 29464

Register and information: marcie@corporate-Wellness Consultants. com

REGISTER TODAY!

“Soulful Saturday Mornings with Marcie”

By: Still Soul Studio

Venue: 579 King St., Charleston SC. Register and information: marcie@corporate-Wellness Consultants. com

Date Event Location | Contact Info

March 2020

Every Wednesday morning at 10 AM

REGISTER TODAY! Meditation class at the Mount Pleasant Senior Center

Stokes-Marshall Senior Center 840 Von Kolnitz Rd Mt Pleasant SC 29464

Register and information: marcie@corporate-Wellness Consultants. com

May 2020

Every Saturday 9:30am

REGISTER TODAY!

“Soulful Saturday Mornings with Marcie”

By: Still Soul Studio

Venue: 579 King St., Charleston SC. Register and information: marcie@corporate-Wellness Consultants. com

Every Wednesday morning at 10 AM

June 2020

REGISTER TODAY! Meditation class at the Mount Pleasant Senior Center

Stokes-Marshall Senior Center 840 Von Kolnitz Rd Mt Pleasant SC 29464 Register and information: marcie@corporate-Wellness Consultants. com

Every Saturday 9:30am

REGISTER TODAY!

“Soulful Saturday Mornings with Marcie”

By: Still Soul Studio

Venue: 579 King St., Charleston SC. Register and information: marcie@corporate-Wellness Consultants. com

Stokes-Marshall Senior Center

Every Wednesday morning at 10 AM

REGISTER TODAY! Meditation class at the Mount Pleasant Senior Center

840 Von Kolnitz Rd Mt Pleasant SC 29464 Register and information: marcie@corporate-Wellness Consultants. com