En Contacto Winter'18

WI N TER 2018

pg.

8

HCC JOB FAIR

CONNECTS DIVERSE TALENT TO LOCAL COMPANIES

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SEMINARIO SCORE

IN ST. LOUIS

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pg.

UNDERSTANDING

YOUR BUSINESS CREDIT SCORE

LETTER FROM THE PRESIDENT & CEO

W INT ER 2018

B&T: Your Financial Guide 4 Efornterprise a Successful Year 6 What Is DmeToo? 9 Helpful Apps for 7 Your Small Business Job Fair Connects 8 HCC Diverse Talent to Local Companies SCORE 10 Seminario in St. Louis Your 11 Understanding Business Credit Score

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WINTER 2018 HISPANIC CHAMBER OF COMMERCE

ispanic Chamber H 2018 Event Calendar

contributing author: NERISHKA CRUZ

OUR GOAL THIS YEAR IS TO CONTINUE PROVIDING EVENTS THAT SUPPORT THE COMMUNITY AND THEIR EVOLVING NEEDS.

WELCOME NEW MEMBERS! By joining, the following individuals and companies have decided to make an investment in the Hispanic Chamber of Commerce and our community at large. We encourage you to find out more about them and, whenever possible, to use their services. If you would like more information about any of these individuals or organizations, please contact us at 314.664.4432.

Advocare | Providence Tucker CB&E Construction CG Immigration Law, LLC COCA | Center Of Creative Arts Dmetoo | Business Foster’s Concrete Home Café, LLC Industry | Carpet Cleaning Johego KB Building Services Legal Services of Eastern MO Makersvalley LLC Millicare Monica Higgins Santa Flor International Sassy Susy Sweets Schnuck Markets, Inc. Small Business Majority That Real Estate Girl Thurman’s in Shaw Venezuelan Association in Missouri

Dear members/ readers, 2018 has already been a great year of growth for the Hispanic Chamber of Commerce. We started winter on the right foot by expanding our team and hiring a Program Assistant to help with our programming and community events. Additionally, we hosted a successful Job Fair at the Sheet Metal Workers Local 36 to connect diverse talent with more St. Louis businesses and organizations. We are also excited to announce that our annual Adelante Awards gala will be held at the Four Seasons Hotel this year.

The Hispanic Chamber Job Fair had 200 candidates attend and 38% of them were bilingual. Candidates attended this event searching for a job that fit their experiences and skills.

Along with that, more than 65 vendors attended this event and were eager to present their companies to candidates.

We are extremely grateful for their commitment to hire diverse candidates and want to continue to help companies connect with more talent.

Our goal this year is to continue providing events that support the community and their evolving needs. We are extremely pleased to be able to contribute to the community with a variety of programs that help bring us all together.

We want to continue providing events like this, but we need your insight. We want to make sure the community is aware of upcoming events and initiatives, and let us know if you have suggestions or feedback. Email us at staff@hccstl.com to share your feedback.

To learn more about us, visit our Facebook page where you can watch Cámara en Vivo every third Tuesday of the month at 3pm. Also, visit us at Business After Hours every third Thursday of the month from 6pm to 8pm. This free networking event is open to the public and a great place to connect with members from a variety of companies and exchange information.

Karlos Ramirez President & CEO

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YOUR FINANCIAL GUIDE FOR A SUCCESSFUL YEAR Whether you committed to a life improvement on January 1st or began it like an average Monday, you likely have a New Year’s resolution. Every year, business leaders determine what a successful year means for their company and how they will achieve it. The objectives may be categorized into goals, plans or priorities but, at their core, they are resolutions.

Have you stayed on track this year with your business resolutions? Business Insider says that approximately 80% of Americans’ resolutions fall by the wayside by February.

YOU CAN MAKE YOUR FINANCIAL GOALS STICK THIS YEAR

Use this simple checklist and learn more about steps you can begin taking today towards a financially successful 2018.

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YOU CAN MAKE YOUR FINANCIAL GOALS STICK THIS YEAR. CHRISTINA ANDERSON: Business leader with over 15 years of relationship management, sales strategy, marketing and recruiting experience. She finds that creating relationship value with her clients is what drives retention and engagement. The results in managing external business relationships and developing a cohesive strategies for product and service growth are clearly critical to supporting growing businesses. Her portfolio covers a wide range of industries and business experience.

WINTER 2018 HISPANIC CHAMBER OF COMMERCE

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WHAT IS DMETOO?

SPEAKING SPANISH AND ENGLISH IS ALREADY PART OF OUR DNA.

In February a bilingual podcast aired right here in St. Louis. DmeToo is the result of the collaboration of Junior Lara, Gabriela Ramírez-Arellano and Héctor Vega. Our listeners can expect to hear personal stories and advice on things related to entrepreneurship and business in the US.

Running a small business is no easy task, but there are many free small business resources that you can use to run all aspects of your business. Today’s technology and all of the latest apps give small businesses advantages we didn’t have before that can help you save time and money.

DMETOO STARTED LIKE MOST THINGS, AS A SIMPLE IDEA. In February a bilingual podcast aired right here in St. Louis.

JUNIOR DmeToo LARA is the result of the collaboration of Junior Lara, Gabriela Hector listeners can expect to hear I had an Ramirez-Arellano idea of being abley to carryVega. out a Our project like this.

For a long personal advice onsomething things related entrepreneurship, time I had doubtsstories aboutand developing thattowould interest businessowners, in the US.where we could give advice for their Hispanicand business

When I was running my own consulting business, I struggled with the many day to day tasks and staying organized to make sure they were completed. I had business meetings and mileage, keeping track of contacts and potential clients, billing and invoices and so much more. As I started to research more apps, I found I was able to run my business almost solely from my phone.

professional lives,started but alsolike tell our ownthings, stories;asthat's I told Dmetoo most a how simple idea.

Gabriela and she quickly responded that she would love to participate Junior Lara: Yo tenía una idea de poder realizar un and thatproyecto she knewcomo a person couldhace help us. este.who Desde mucho tiempo tenía la

If you are struggling with the many day to day tasks of running your business, search these apps and let us know which you find the most helpful:

inquietud de poder desarrollar algo que le interesara al GABRIELA RAMÍREZ-ARELLANO hispano deand negocios, donde para Junior came to me told meenhis idea,pudiéramos I think it wasdarles at theconsejos last After su vida profesional, pero también contar nuestras propias Hours of the year, there we quickly began to analyze how we could historias, es así como le comenté a Gabriela y ella start with the project. rápidamente respondió que le encantaría participar y que tenía Not even 24 hours official meeting took place at a una personalater, que the nos first podría ayudar.

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Don Emilianos’ restaurant. The brainstorming was overwhelming GR-A: vino a mi y me comentó su idea, creo and all the ideasJunior came out for DmeToo to become a reality.

Héctor Vega had already into this meeting. que fue been en elintegrated último After Hours del año, ahí rápi-

CANVA

When they told me about all the ideas they wanted to carry out, comenzar con elPreviously proyecto.I had talked with Gabriela to everything fell into place. discuss No many concerns and projects, butlaI could notreunión find theoficial right se HÉCTOR VEGA pasaron ni 24 horas cuando primera people to start them,enthat night all theDon pieces fell together and we de One of our focuses as a podcast is that we try to preserve the llevó a cabo el restaurante Emilianos.

La tormenta the Dmetoo Hispanicisina the United Spanish ideastofue abrumadora y salieron todas laschapter bases para Dmetoo se essence set the date record what would be the first ofque DmeToo. Junior of Lara: product

by States. latinos, Speaking and for latinos.

Thisand convirtiera en realidad. A esta reunión ya había sido integrado English is already part of our DNA, and that regardless of whether is what makes our product different and unique.

Our podcast Starting in 2018, to be exact, the first day of the year, we had a photo Héctor Vega. language or challenges us, weprofessionals have something in common and eases blogs are made for Latino to help them shoot and began to develop the branding. The project had already thetopics that we cannot are navigate the change... workplacewe and allHispanic. aspects of running their own Héctor Vega: Cuando me comentaron de todas la ideas que materialized with more ideas and a website was created where we

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comenzamos a analizar como podríamos

¿Qué es Dmetoo exactamente?

business through our stories and experiences.

llevar by a the cabo, se involved. fue poniendo todoto en su able lugar. GABRIELA RAMÍREZ-ARELLANO also hostquerían a blog written three In addition being Anteriormente había platicado con Gabriela para comentarle to listen to all the chapters, we developed the digital platforms around Junior wanted something that would speak to himself, and to the muchas inquietudes y proyectos a realizar, pero que no Héctor Vega: Una de nuestras virtudes como podcast es que trathe project in the same way; to prepare what would be the launch. people who ... to bring our same to people tamos de resemble rescatar lahim esencia del hispano en experiences lo Estados Unidos, encontraba a las personas correctas para comenzarlos, esa who are like us, who are about to pass or have already passed el hablar español e inglés al mismo ya es parte de nuestro noche todo cuadro y pusimos la fecha para grabar lo que ¿WHAT IS DMETOO? ADN,moments. y que más allá de que el idioma nos facilite o nos dificulte similar sería el primer capítulo de Dmetoo.

JUNIOR LARA tiempo, tenemos en común algo que no podemos Arrancando el 2018, para ser exactos, el primer día del año, al mismo Thursday, we will be releasing a new chapter and you can listen Dmetoo is a product by latinos, and for latinos. This is what makes Every cambiar…somos realizó la sesión de fotos y se comenzó a desarrollar el to them on iTunes, hispanos.

Soundcloud and Stitcher. You can also find all our product different and unique.

Our podcast topics de andmás blogs arey se branding, el proyecto ya se había alimentado ideas of the chapters and blog posts Junior on our quería websitealgo at www.dmetoo.com.

Gabriela Ramírez-Arellano: que le hablara a made forcreó Latino to helptambién them navigate thedisfrutar workplace un professionals sitio web en donde podemos de un él mismo, y a la gente que se le parece…y traer nuestras mismas and all aspects of running theirtres owninvolucrados, business through our stories blog escrito por los además de poder experiencias para gente que es como nosotros, que está por pasar o escuchar todos los capítulos, de igual manera se desarrollaron and experiences. las plataformas digitales alrededor del proyecto para preparar lo ya pasó momentos similares sin duda será de gran ayuda para todos. que sería el lanzamiento.

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9 HELPFUL APPS FOR YOUR SMALL BUSINESS

“Hablar español e inglés al mismo ya es parte de nuestro ADN”

WINTER 2018 HISPANIC CHAMBER OF COMMERCE

Todos los jueves estaremos lanzando un capítulo nuevo y los puedes escuchar en plataformas como Itunes, Soundcloud y Stitcher, en www.dmetoo.com podras encontrar todos los capitulos y un blog escrito por los tres.

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An easy way to schedule, publish and monitor conversations from anywhere on up to three social media platforms.

MYHOURS

Time tracking for freelancers helps you track your hours on several projects and is extremely easy to use.

An easy app for keeping track of receipts, business travel mileage and invoicing. Just snap a photo of your receipt using SmartScan and Expensify takes care of the rest.

SIGNificant

GOOGLE DRIVE

SQUARE

Get access to all of your files from anywhere including your photos, videos, files and more. You can also share files with key partners and clients and work in real time on projects.

Is there an app you use often and can’t live without, share it with us!

A simple way to sign and return PDF documents anywhere, anytime with just a few clicks on a mobile device.

Use your phone or tablet to accept payments on the go.

GABRIELA RAMÍREZ-ARELLANO, Business Counselor, Hispanic Chamber of Commerce. Business leader and entrepreneur has been helping small business owners start and grow their business since 2011. Recently named by the St Louis Business Journal as One of the Top 100 people to know to succeed in business, Gabriela and her husband own Don Emiliano's Restaurante Mexicano in O'Fallon, MO. Her own experience and lessons learned help her relate and understand the needs of St. Louis business owners.

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HCC JOB FAIR CONNECTS DIVERSE TALENT TO LOCAL COMPANIES St. Louis employers had the opportunity to connect with 200 diverse candidates on Thursday, February 22 during the Hispanic Chamber of Commerce’s annual Job Fair. The event took place at the Sheet Metal Workers’ Local 36 Grand Hall in downtown St. Louis. The Hispanic Chamber of Commerce’s main purpose of hosting this event was to help the community, companies and organizations connect to diverse talent.

More than 65 employers, such as Volpi Foods, Inc., Carpenters Regional Council and the Sheet Metal Workers were seeking diverse candidates to assist them in growing their businesses.

There were other companies, such as First Bank, Natures Bakery, Hollywood Casino and the St. Louis Cardinals that focused on bilingual candidates with experience in customer service, sales and administration.

Because of the growing demand for Bilingual talent, the HCC purposefully brings the same perspective to every Job Fair.

While Manpower, Mutual of Omaha and PepsiCo had open positions in sales, finance, marketing and administration. All of these companies and organizations were looking for applicants who qualified at different professional levels such as internship, entry and middlemanagement levels.

As a result, the HCC has developed additional support to job seekers by offering a Job Fair 101 program. This was an opportunity to prepare applicants prior to the Job Fair, as well as providing them with the opportunity to get acquainted with the expectations and requirements that specific businesses have.

The demand for bilingual workers in the city of St. Louis has increased as much as the need for highly qualified applicants. 38% of the candidates who attended this event were bilingual, and 44% had a bachelor’s degree, while 18% had a master's degree. These statistics confirm the amount of diverse candidates looking for entry-level and mid-level management positions.

“We all learn as we go and try to improve our support to the community by coming up with recommendations that will help both the company seeking to hire as well as those seeking employment.” said Karlos Ramirez, President & CEO of the Hispanic Chamber of Commerce.

The HCC partnered with a HR expert from Enterprise Holdings, Karen Huff, who provided recommendations on how to prepare a resume, interviewing tips and how to follow up with potential employers. Additionally, Huff and other HR experts met one on one with candidates to review resumes and conduct mock behavioral interviews. The vision of this program is to help prepare everyone on the expectations and requirements that specific businesses are seeking.

The Hispanic Chamber’s goal is to continue growing as an organization and expand the resources that partnerships offer to provide more assistance to the community of St. Louis.

THE HISPANIC CHAMBER OF COMMERCE’S MAIN PURPOSE OF HOSTING THIS EVENT WAS TO HELP THE COMMUNITY, COMPANIES AND ORGANIZATIONS CONNECT TO DIVERSE TALENT.

There has been a similar trend at a national level.

“In 2010, there were roughly 240,000 job postings aimed at bilingual workers in the United States. But by 2015, that figure swelled to about 630, 000,” wrote Carmen Cusido, a freelance writer, on a NBC News article titled Report: Want the Job? Be Able to Say So in More than One Language. “The study also showed that bilingual workers were in demand for both low and high-skilled positions such as financial managers, editors, and industrial engineers”.

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WINTER 2018 HISPANIC CHAMBER OF COMMERCE

dnes esaelp ,eednetta na sa pu ngis oT moLOCAL c.ltscch36 @aicragv ot emuser ruoy SHEET METAL WORKERS’

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SEMINARIO SCORE IN ST. LOUIS

UNDERSTANDING YOUR BUSINESS CREDIT SCORE

Do you dream of starting a business? You are not alone — many share that dream. Obviously, just dreaming is not enough. It is important to know not only the business but also how to manage it, how to promote it, what resources exist to support you; starting with the creation of a business plan.

The more prepared you are, the greater your chances of success.

Ask the Banker WHAT DO I NEED TO KNOW ABOUT MY BUSINESS CREDIT SCORE?

The first thing you should know is that, technically, small businesses don’t have credit scores. Rather, lenders gauge your business’ financial reliability using primarily your personal credit score. In addition to reporting your repayment record, this score tells lenders how long you’ve been borrowing money and how many different forms of credit you have.

In other words, if you are in the market for a small business loan, your personal credit score matters — a lot. Personal credit scores range from 300 to 850. A score of 700 or higher tells your lender that you’ve been done a good job of repaying mortgages, car and student loans and credit card bills on time. A lower score will not necessarily disqualify you. But it might limit your choices.

To that end, for the first time, SCORE St. Louis advisors conducted a series of seminars in Spanish at the offices of the Hispanic Chamber of Commerce in St. Louis earlier this year to help Spanish speaking entrepreneurs understand the ins and outs of managing and running a business. The participants discussed several topics such as:

HOW CAN I RAISE MY CREDIT SCORE?

• Where do I start?

The single most important thing you can do to raise your personal credit score is to pay your bills on time until a debt is paid off. You can also boost your score by limiting the amount of credit you use, which makes you a lower credit risk. You may also give your credit score a small boost by using several forms of credit: a mortgage, credit cards and a home equity line, for example.

• What is the correct legal structure for my business?

• What should I know about licenses, taxes and insurance?

• W hat technological considerations are important? for my business?

• Introduction to financial aspects • Where do I get financing?

• What are my next steps?

The Hispanic Chamber of Commerce of St. Louis and SCORE understand how important it is to have a growing small business community and we are dedicated to supporting and helping the creation and growth of businesses through coaching, workshops and seminars, our Cámara en Vivo and Café with Business, as well as networking opportunities during Business After Hours. Learn more about the benefits of being a part of the chamber on our website at hccstl.com or by calling us at 314.664.4432.

SCORE is a national non-profit association dedicated to training entrepreneurs, and helping small businesses launch, grow and achieve success. This network of volunteers represents 270,000 years of experience in 62 industries, and provides small business entrepreneurs with confidential business advice

services at no cost. You can learn more about SCORE services at: www.stlouis.score.org/score-en-espanol

WHAT ARE THE BENEFITS OF HAVING A STRONG

We thank the SCORE St. Louis advisors who presented during the seminars and the local SCORE St. Louis Chapter. Thanks to their dedication and commitment, it is the first time that these seminars are offered in Spanish in the St. Louis area.

Your business finances matter, too. Over time, your personal credit score may get less scrutiny as your business builds its own credit track record. Data-gathering companies like Dun & Bradstreet develop commercial credit and financial stress scores that lenders sometimes use to help make loan decisions. Creating a strong business credit profile not only makes it easier to get financing, but it can sometimes make your business eligible for lower insurance premiums and increase the likelihood that a landlord will take you on as a business tenant.

Martha Hernandez | Certified Public Accountant, SCORE Counselor Adrian Leon | SCORE Counselor Roberto Stuart | SCORE Counselor

THE MORE PREPARED YOU ARE, THE GREATER YOUR CHANCES OF SUCCESS.

GABRIELA RAMÍREZ-ARELLANO, Business Counselor, Hispanic Chamber of Commerce. Business leader and entrepreneur has been helping small business owners start and grow their business since 2011. Recently named by the St Louis Business Journal as One of the Top 100 people to know to succeed in business, Gabriela and her husband own Don Emiliano's Restaurante Mexicano in O'Fallon, MO. Her own experience and lessons learned help her relate and understand the needs of St. Louis business owners.

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YOUR BUSINESS FINANCES MATTER, TOO.

CREDIT TRACK RECORD?

In sum, the lesson on credit scores is this: it pays to pay your bills on time.

SONYA TANDY is a previous small business owner and understands the unique needs of small businesses in today’s economy. As Assistant Vice President for Small Business Banking for Commerce Bank, she assists small businesses with their financial needs, providing financial solutions that increase efficiencies, expand and further develop their businesses. This includes helping clients with their loan needs and cash flow solutions through remote deposit, merchant services and other services that Commerce Bank offers. Commerce Bank | William Woods University Small Business Banking Specialist – St. Louis.

WINTER 2018 HISPANIC CHAMBER OF COMMERCE

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2018 HCC Event Calendar

2018 calendar of events BUSINESS Signature EVENTS AFTER

NETWORK CONNECT DISCOVER CONOCE CONÉCTATE DESCUBRE

ENJOY DISFRUTA

HOURS

1.18

Wash U: Olin Business School

2.15

St. Louis Blues

Job Fair

3.15

Thursday, February 22

Ameren Missouri

Adelante Awards

JOIN US | ACOMPÁÑANOS: 6-8 p.m. | Third Thursday of every month |El tercer jueves de cada mes Free event | Evento gratuito | Complimentary food and drinks | Bebida y comida gratis Friday, April 27

4.19

5.17

6.21

CONÉCTATE CON RECURSOS PARA TU ÉXITO CONECT FOR YOUR SUCCESS Commerce Bank Dot FoodsWITH RESOURCES Thompson Coburn

High School Hispanic Leadership Institute

Register for our next Business After Hours at | Regístrate para nuestro proximo Business After Hours en www.hccstl.chambermaster.com/events | 314.664.4432

7.19

8.16

9.20

All Star Dodge

Kingdom House

Facilitec Corporate Furnishings

Golf Classic

Ponce Realty

Hispanic Leadership Institute

Powered by ReMax Gold

Friday, October 12

Edward Jones

Business After Hours are held from 6 p.m. to 8 p.m. the third Thursday of every month. Food and beverages are always provided. RSVP at hccstl.com/events

Hispanic Working Women Thursday, August 23

Problems.

The ones too big to tackle alone.

The ones that limit people and limit potential.

The ones that impact all of us.

We go looking for them.

In farm towns and river towns.

Suburbs and cities.

From South City to Swansea.

Overland to Highland.

We surround our community’s most critical problems.

And we fight.

Thursday, September 13

10.18 11.15 12.20

Hispanic Chamber Elections

June 11 – June 16

HELPING PEOPLE LIVE THEIR BEST POSSIBLE LIVES

We are the hand-raisers.

The game-changers The never stop fighting, never back down, life transformers.

At United Way of Greater St. Louis, we fight for every person in our community.

We fight for the education of every child.

The basic needs of every family.

The self-sufficiency of every person.

Because what happens to one of us, happens to all of us.

United, we fight for those who can’t.

United, we fight for change.

United, we fight to help people live their best possible lives.

Unite with us.

HELPINGPEOPLE.ORG

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WINTER 2018 HISPANIC CHAMBER OF COMMERCE

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Building a more diverse and inclusive region.

That’s our business.

We’re the Regional Business Council. We’re 100 of the area’s leading businesses, with over $60 billion in revenue, staffed by over 100,000 professional associates.

And we’re targeting those resources and that expertise directly at the St. Louis region. Improving the St. Louis region is a big job. But that’s our Business.

The Regional Business Council stands with the

THE HISPANIC CHAMBER OF COMMERCE

in its work empowering communities and changing lives.

From the countless brews on tap in The Biergarten to the Signature Tours, the historic Anheuser-Busch Brewery offers a variety of experiences you won’t find anywhere else.

F O C U S + C O L L A B O R AT I O N + I N V E S T M E N T + A C T I O N + R E S U LT S

For more, call 314.577.2626 or visit BudweiserTours.com.

THE CEOS OF ST. LOUIS’ LEADING COMPANIES John P. Stupp, Jr., Chairman Tony Tersigni, Past-Chairman Carmen Jacob, Vice Chair Tony Thompson, Vice Chair Mike Zambrana, Co-Chair Diversity and Inclusion Kathy Osborn, President and CEO

© 2015 Anheuser-Busch, Budweiser® Beer, St. Louis, MO

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C O R P O R AT E S P O N S O R S P L ATI N U M

DIAMOND

GOLD

SILVER

BRONZE

Anthem ALPLA, Inc. Armstrong Teasdale LLP BMO Harris Bommarito Automotive Group Carrollton Bank Central Bank of St. Louis Citrus Springs Commerce Bank Country Financial CTS Group Dot Foods, Inc. Facilitec Corporate Furnishings Fairway Holdings First Bank Fontbonne University Fox 2 KTVI-TV Garcia Properties Graybar GSG Consultants, Inc. Guarantee Electrical Company Home Depot LHM

FRIEND

Spire, Inc. Lindenwood University St. Charles Community College LUXCO, Inc. St. John’s Bank Madrina’s St. Louis Community College Magnolia Hotel

Major Brands St. Louis Economic Development Partnership St. Louis Post-Dispatch McCormack Baron Salazar, Inc. Midland Sates Bank Strategic Staffing Solutions Midwest BankCentre Success Promotions Mississippi Lime Company Talisen Technologies, Inc. Missouri History Museum TheBANK of Edwardsville Montgomery Bank Thompson Coburn LLP NextGen Information Services, Inc. UMB Bank Pangea Group UMSL People’s Health Centers University of Missouri System Pinnacle – St. Louis USA Mortgage PNC Bank ValDivia Enterprises Ponce Realty powered by ReMax Gold Volpi Foods, Inc. Regions Bank Washington University Reliance Bank Weber Chevrolet Creve Coeur Republic Services Webster University Risk Consulting Partners Western Illinois University Southern Illinois University ­– Edwardsville World Wide Technology Scottrade Bank

www.hccstl.com | 3611 South Grand Blvd., Ste 105 St. Louis, MO 63118 | 314.664.4432