Small Business Concierge, Silicon Valley Edition, FALL 2019

Power Women Power Secrets

Defining Margaret Jackson as a Leader Block Chain is the Future Understanding Your FICO Score

Small Business Concierge Magazine |

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Power

Women

Power Secrets

Seminar

Margaret Jackson

#1 Small Business Radio Personality in Silicon Valley Booking Information

bookme@businessontheedge.biz 408 205-4056

Book the Power Speaker Today!

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Select Partners

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Drop

Small Business Concierge Magazine |

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Table of Co Departments

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A Letter From

Margaret Jackson

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Power Women Power Secrets

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Small Business Science Lab

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Y/E 2.0

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S.T.E.A.M.

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Women In Small Business

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Bridging the Gap

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The Bottom Line

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Small Business Concierge Advantage Guide

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Upcoming Events

ontents Silicon Valley SNUG

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

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Marcie Anderson, PHD Workplace Zen

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Coach Tip: Code of Ethics

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Feta Cucumber Salad

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Meredith Walker, Executive Events

Small Business Concierge Magazine |

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Tamika Ellsworth, Real Estate Guru

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Blockchain Technology: What You Need to Know

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More. Beter. Faster.

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To The Point

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MBA Academic Assessment: Defining Margaret Jackson as a Leader

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Private U.S. Investigators: A woman’s role in a male-dominated profession

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Blockchain is the Future

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Is the Social Events Industry Recession Proof?

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Power Women, Power Secrets

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The Three Things that I have Learned as a Business Owner with Kids

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The Need and Benefits of Workplace Zen

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Diversity and Inclusion in the Workplace

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Understanding Your FICO Score

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California DGS Team Outreach Champions

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Insurance Executive Overview & Primer

Small Business Concierge Magazine |

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Editorial 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

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FOUNDER AND EDITORIAL DIRECTOR Margaret A. JACKSON EDITOR-IN-CHIEF Jesse L. Lee PROOFREADER Donna Massengill MAGAZINE CONSULTANT Devin Oten

ART & DESIGN DIRECTOR

CONTRIBUTING ART DESIGNERS

Julio C. Pardo III

Olivia Hancock

ANIMATOR & ILLUSTRATOR Alvie C. J. Jackson, Creative Alumni >2yrs.

CONTRIBUTING SBC WRITERS 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 2019 © Copyright, All Rights Reserved Small Business Concierge Magazine |

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Small Business Science Lab

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

Small Business Concierge Magazine |

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Blockchain: What You Need to Know By: Ray Sylvain | Sign On the Go | https://www.signonthego.us

B

oca 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.

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

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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.

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.

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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.

What are the current drawbacks of blockchain?

At this juncture, the network capacity is the main

Small Business Concierge Magazine |

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More. Better. Faster.

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

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et’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.

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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.

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

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.

Small Business Concierge Magazine |

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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?

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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.

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Defining Margaret Jackson As A Leader by: SBC Staff Writer | Small Business Concierge Magazine 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. Â Â

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.

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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 Strengths 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 funds.

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. Â

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.

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Y/E 2.0

(Young Entrepreneur)

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

Small Business Concierge Magazine |

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

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

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

Directions: 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. 22

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Building Your Dreams

Building Your Dreams is designed to inspire and motivate you to believe in, initiate and accomplish your dreams and goals.

Devin Oten

Writer | Public Speaker | Philanthropist www.Devinoten.com Small Business Concierge Magazine |

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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.

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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.

Kroot founded her all women, San Jose-based investigation firm “It’s a gratifying proin 2015.

Nothing gets solved in 60 minutes, but it is fession because you’re exhilarating when you solve a complicathelping people solve “Back in the day, ed case – you just can’t make this stuff up. problems,” said Tracey I dealt with a lot Kroot from Kroot Priof children, elder, vate Investigations. “You can make a huge impact and domestic abuse cases,” Kroot said. “These can on peoples’ lives for the better.” be extremely-sensitive and personal conversations, and I think women are better equipped to have Kroot is one of an estimated 33,000 licensed them because we’re usually more empathetic than women private investigators in the U.S., according men.” 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.”

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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

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

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.

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.

“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.

“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.”

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 regulated by the state of California, which tests and Small Business Concierge Magazine |

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Silicon Valley SNUG 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.

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S.T.E.A.M. Science, Technology, Engineering, Arts, Mathmatetics

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

Small Business Concierge Magazine |

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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.

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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.

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

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

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

W

e 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

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Choose a Membership Package Get Your Flexible Digital Category Listings Kick-Off New Year 2020 Silicon Valley Edition

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Women in small business

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Silicon Valley POWER women in Small Business meet them here!

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Is The Social Events Industry Recession-Proof? by: Meredith Walker | Posh Events and Affairs | www.posheventsandaffairs.com

I

f current predictors are an indication of a looming economic recession, it is definitely, time for Small Business Owners in the Social Events Industry to pay close attention. The National Bureau of Economic Research defines a recession as “a period 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 substantially. 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.

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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

“

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

— Winston Churchill

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.

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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.

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

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omen are 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.

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asda

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.

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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.

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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.

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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.

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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.

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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. Â SBCM: How do you make a difference? Â RB: I help people build their wealth

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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.

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Power

Women

Power Secrets

Seminar

Margaret Jackson

#1 Small Business Radio Personality in Silicon Valley Booking Information

bookme@businessontheedge.biz 408 205-4056

Book the Power Speaker Today!

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“

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

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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.

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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.

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 Small Business Concierge Magazine |

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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.

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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.

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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.

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

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FEBRUARY 21, 2020 9am-1pm SILICON VALLEY/THE BAY AREA

Venue: Bible Way Christian Center

Register HERE!

2090 Oakland Rd, San Jose, CA, 95131

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Bridging the Gap

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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.

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The Three Things I Learned as a Business Owner With Kids by: Tamika Ellsworth | EQ1 Real Estate | www.tamikaellsworth.com

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y 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.

“

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

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!

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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.

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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, 62

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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?

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.

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

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.

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Diversity and Inclusion in the Workplace by : Daniel Newell | Ohlone College Career Center | SBC Advantage (510) 742-2323

D

iversity 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

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.

“

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 64

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Diversity: the art of thinking independently together.

- Malcolm Forbes

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

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.

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The Bottom Line

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

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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).

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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.

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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.

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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.

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Insurance Executive Overview & Primer for Concierge Magazine Readers by : Warren Wettenstein | Wettenstein Insurance |www.ourinsuranceguru.com

S

ome 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. 72

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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.

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Small Business Concierge Advantage Guide

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A Accounting 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 76

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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 .......................................510 686-3021 http://www.jmaudioservices.com 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

B B2B 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

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Business Development Services

College Students

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

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

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

C Campus Safety

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

Tip Now, Inc. Colleges, Universities, School’s Safety Anonymous Tips Ap Cyril Rayan | CEO Santa Clara, CA ..............................877 395-5095 http://www.tipnow.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

Catering

Community Investment

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

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

Child Care Provider

Community Membership

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

Step Up and Do Something Supporting Economic Community Growth Rita Guess | Executive Director San Jose, CA .....................................408 772-8679 http://www.stepupanddosomething.org

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Consultant Services

Corporate Events

Architeckie Building Technology Around Your Business Isaac Teckie | Consultant San Jose, CA .....................................408 389-4572 http://www.architeckie.com

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

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

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

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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

D Digital 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

E Education, 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/

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Empowering You Now 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

Financial Services

Posh Events & Affairs A Full Service Event Planning Company Meredith Walker| Owner Hayward, CA...................................510 815-5306 http://www.posheventsandaffairs.com

Financial Education Services Credit Restoration, Debt Settlement, Business Credit Ruth VanDerostyne | Credit Specialist Bay Area, CA ...................................888 977-1222 http://www.fesexperts.com

E-Signature Platform (SaaS)

TransAmerican Financial Advisors Financial Advising Bradley Hamada | Financial Trainer Bay Area, CA ...................................408 712-2107 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...................................703-864-9285 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

F Family 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

G Global 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

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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

H Hair 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

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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

I

M

Insurance Services

Manufacturing

Tressa Williams Agency State Farm Providing Insurance & Financial Services Tressa Williams | Insurance Agent Bay Area, CA ..................................408 243-4400 http://www.twilliamsagency.com

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

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

J Your Ad Subscription Here!

K Your Ad Subscription Here!

L Lead 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

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

Massage Therapy Eternal Health & Wellness Swedish, Deep Tissue,Aromatherapy,Acupressure, Tui Na Dr. Quli Zhou| Chinese Medicine & Massage Milpitas, CA........................................408.241.6638 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 Small Business Concierge Magazine |

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Mental Health Support

Newspaper

Earnest Love, Inc. Heal, Love, Live, Emotional Support from sexual trauma Chante Dent | Executive Director Suwanee, GA.......................................678 835-7572 http://www.earnestlove.org

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

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

N Nature 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

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

Nutrition Herbalife The Key to Good Nutrition Verna Jones | Independent AssoHerbalife Member Milpitas, CA .....................................408 471-9072 http://www.herbal-nutrition.net/vjones

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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

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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

P Physical 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 86

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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

Q Your Ad Subscription Here!

R Real 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

S

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 Posh Events & Affairs Classy, capable, professional. We love to plan events Meredith Walker| Owner Hayward, CA........................................510 815-5306 http://www.posheventsandaffairs.com Small Business Concierge Magazine |

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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

T Tax Strategies

Spiritual Counseling

Financial Education Services Capital Gains Tax Strategist Ruth VanDerostyne | Expert Tax Strategist Trainer Bay Area, CA ...................................888 977-1222 http://www.fesexperts.com

Mountain Wisdom Spiritual counseling, Energy healing, Reality transformation Aleks Aris |Spiritual Minister Bay Area, CA .......................................408 475-7988 https://www.mountainwisdom.net

FCC Realty DRE 01300425 Gains Tax Strategist Frank Cancilla | Tax Strategist Introducer Bay Area, CA ....................................408 821-1291 http://www.fccrealty.com

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

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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

U Your Ad Subscription Here!

V Video 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/

W Weight Loss Eternal Health & Wellness Acupuncture & Lipo Light For Weight Loss Dr. Quli Zhou| Chinese Medicine Milpitas, CA..........................................408 241-6638 http://www.myeternalhealth.com

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 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

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X Concierges Coming Soon

Y Y/E 2.0 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 Leadership & Innovation Tip Now, Inc. Leadership & Innovation Follow Your Dreams Cyril Rayan | College Speaker Santa Clara, CA ..............................877 395-5095 http://www.tipnow.com

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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 Elizabeth Stewart | MA, LMFT Bay Area, CA ...................................408 800-7821 http://www.kingdomfamilyresources.com

Z

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March 2020

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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

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

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

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