Small Business Concierge, Silicon Valley Edition, Spring 2020 Extended Power Women Power Secrets by Small Business Concierge Magazine

| Spring 2020 Extended

Power Women Power Secrets

Defining Margaret Jackson as a Leader COVID-19 Small Business Pivot Tips The Soft Sound of Legacy and Leadership Dr. Gari Browning

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Small Business Concierge Magazine |

Table of Co Departments

A Letter From

Small Business Science Lab

Y/E 2.0

S.T.E.A.M.

Women In Small Business

Bridging the Gap

The Bottom Line

Small Business Concierge Advantage Guide

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Upcoming Events

Margaret Jackson

The Soft Sound of Legacy and Leadership

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ontents Silicon Valley SNUG

Family Childcare in the Wake of Covid-19

72 Marcie

Anderson, PHD Workplace Zen

Coach Tip: Covid-19 Small Business Pivot Tips

Healthy Mom 101: Stay-atHome Cozy Cookin Chicken and Dumplings

Meredith Walker, Executive Events

Small Business Concierge Magazine |

Tamika Ellsworth, Real Estate Guru

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COVID-19: The Pandemic Of Hardships And Opportunities for Small Businesses

Business on the Horizon

Hair Loss - The Impact on Women Today

To The Point

MBA Academic Assessment: Defining Margaret Jackson as a Leader

Private U.S. Investigators: A womanâ&#x20AC;&#x2122;s role in a male-dominated profession

Coach Tip: Covid-19 Small Business Pivot Tips

Blockchain is the Future

Is the Social Events Industry Recession Proof?

Healthy Mom 101: Stay-at-Home Cozy Cooking Chicken and Dumplings

Power Women, Power Secrets

Power Women, Power Secrets: Dr. Gari Browning

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

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Home is Where the Heart is

Understanding Your FICO Score

California DGS Team Outreach Champions

Insurance Executive Overview & Primer

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Small Business Concierge Magazine |

Editorial A Letter From Margaret Jackson, Radio Personality We Are Proud to be Americans: We Can’t Breathe We are proud to be Americans. George Floyd, “I can’t breathe!” His words echoed around this Nation and world, provoking a national uprising against the pain and suffering inflicted upon the Black Nation in the United States of America. Bill of Rights: Amendment I Religion, Speech, Press, Assembly, Petition (1791) “Congress shall make no law respecting an establishment of religion, or prohibiting the free exercise thereof; or abridging the freedom of speech, or of the press, or the right of the people peaceably to assemble, and to petition the Government for a redress of grievances.” (The Constitution of the United States, Bill of Rights, Amendment I, 1791, December). We are proud to be Americans. We, the people, are grieved with the government, the police, and the systematic racial disparities and inequalities in this Nation. We can’t breathe when the system in the United States of America allows for the many injustices against the Black Nation. We can’t jog without losing a black life; we can’t sit on a park bench or bird watch in America. We can’t breathe when we are targeted continuously. We can’t rise in economic and education stature with lurking biases. We redress the United States of America with our grievances. We ask the United States of America to give us liberty and give us the security of our black person. O, America, will you hear our outcry for justice? Who will hold accountable those that act as the judge, jury, and executioner that has robbed us of our sons, husbands, daughters, sisters, brothers, fathers, and mothers? We are proud to be Black Americans. We can’t breathe. Can you hear our outcry? Will you remove your knee from our neck? Bill of Rights: Amendment IV Search and Seizure (1791) “The right of the people to be secure in their persons, houses, papers, and effects, against unreasonable searches and seizures, shall not be violated, and no Warrants shall issue, but upon probable cause, supported by Oath or affirmation, and particularly describing the place to be searched, and the persons or things to be seized.” (The Constitution of the United States, Bill of Rights, Amendment IV, 1791, December). We are proud to be Americans. We, the people, set before you our grievances to the United States of American, the land of the free and home of the brave. Our black voice can no longer be silenced—the outcry and demand for justice. We can’t breathe. We, the people, are demanding that our government hold those Americans that have abused their rights to engage in hostile behavior against the Black Nation in this Country. Declaration of Independence - July 4, 1776 “We hold these truths to be self-evident, that all men are created equal, that they are endowed by their Creator with certain unalienable Rights, that among these are Life, Liberty and the pursuit of Happiness.--That to secure these rights, Governments are instituted among Men, deriving their just powers from the consent of the governed, --That whenever any Form of Government becomes destructive of these ends, it is the Right of the People to alter or to abolish it, and to institute new Government, laying its foundation on such principles and organizing its powers in such form, as to them shall seem most likely to effect their Safety and Happiness...” America, the beautiful home of the brave and free, can you hear our outcry? Will you remove your knee from our neck? We can’t breathe. Sincerely Grieved, Margaret Jackson SBC Magazine Publisher Bay Area’s #1 Small business radio personality AM 1220 KDOW | iHeart Radio Money 2.0 Business on the Edge Genesis 1:27

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I CAN’T BREATHE!

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

ART & DESIGN DIRECTOR Julio C. Pardo III

MAGAZINE CONSULTANT Devin Oten CONTRIBUTING ART DESIGNER 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, Vanda McCauley, Judy Peterson, Ray Sylvain, **State of California Staff Writer, Marilyn Randolph, Meredith Walker, Warren Wettenstein *Republished articles from previous SBC Magazines, SBC Staff Writer SBC ON-GOING CONTRIBUTORS Marcie Anderson, Ruth Benjamin, Ray Sylvain, Meredith Walker, Warren Wettenstein 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 Courtesy Images: Ohlone Community College District SBC SOCIAL MEDIA PLATFORMS Cesar Tamayo (HSU-Graduate), 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) SBC Digital Magazine | Spring Issue 2020 2020 Â© Copyright, All Rights Reserved

Small Business Concierge Magazine |

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 |

COVID-19: THE PANDEMIC OF HARDSHIP AND OPPORTUNITIES FOR SMALL BUSINESSES By: Ray Sylvain | CEO of SignOnTheGO, LLC| https://signonthego.us

oca Raton, Fla – May 29, 2020 – COVID-19, a global pandemic that has drastically impacted all global industries, especially small businesses. In the end, although the damage is severe, it must be harnessed to create new opportunities. The past few months have been devasting for the entire world. Businesses’ doors shut. Most of the population quarantined—companies like SignOnTheGo frozen in time. Layoffs are looking large. Trillions of dollars of global market value lost. What can a small business like SignOnTheGo do to protect its future?

In recent years, the popularity of blockchain technology has been developing rapidly in many industries. This technology continues to show excellent opportunities in the following areas: in the field of healthcare, for cross-border payments, remote voting, a solution for Forex trading, platforms for small and medium businesses, the network of air cargo. Blockchain is one of the most suitable systems for storing any information to date. As the pandemic persists and continues to create a new reality, we see new opportunities that will increase the importance of SignOnTheGo through the continued development of its Blockchain Technology implementation.

As witnessed, one of the significant impacts of the COVID-19 pandemic is online services such as virtual schooling, which has become widespread. Also, every day we see an increasing need for workflow optimization. This pandemic, along with universal 12 | Spring 2020 Extended

quarantine, prompted many companies to increase the usage of the electronic document processing workflow model. It should also be noted that the recent transition to increase telecommuting of millions of employees, presents enormous risks to information security. Currently, cyber threats are now more prevalent. Another threat is the leak of personal data. These current urgent issues with the need for securing remote access to information system resources and infrastructure stability will continue to grow.

The outbreak of COVID-19 has created tremendous network loads, which lead to short-term malfunctions in some cases. Many network providers have been forced to handle the increase of traffic volumes by approximately thirty-three percent (33%). One of the solutions to this problem was to block high-definition video streams around the world. SignOnTheGo will use this opportunity to continue improving the next level of document security as the first layer of authentication.

SignOnTheGo will use the biggest in the blockchain game to strengthen the document authentication process: Bitcoin. The size and stability of this network are most in line with SignOnTheGoâ&#x20AC;&#x2122;s goal to provide a secure and immutable method of authenticating documents-beyond what digital signatures can provide. Every document is encrypted and written to the Bitcoin Blockchain Network. A user simply needs to click the link in the audit trail of their executed document and upload the document they wish to verify. The document hash is compared to the hash on the blockchain and authenticated immediately. These three components, coupled with a complete document editing history and audit trail, are the foundation of SignOnTheGoâ&#x20AC;&#x2122;s superior document security foundation. SignOnTheGo uses only advanced technologies; any attempt of fraudulent activity will be eradicated. To see an example of using blockchain technology on an electronic signature platform, visit https://signonthego.us . SignOnTheGo is an e-signature platform dedicated to helping our community. We are currently offering free e-signature plans to all businesses impacted by the COVID-19 virus. If you are interested in learning about how SignOnTheGo can help your organization with their remote work challenges, contact us at info@SignOnTheGo.us.

Small Business Concierge Magazine |

Business on the Horizon

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

n the 2019 Fall Edition of the Small Business Concierge Magazine, I wrote an article entitled “Is the Social Events Industry Recession Proof.” At the time, murmurs and grumblings were going on about the state of the economy. Depending on which expert you chose to listen to, something was on the horizon that could alter the business world’s course.

One might ask, “How do you shift the way you have been doing business to something new when you’ve lost customers and are struggling financially?” There is financial support out there, but you have to be diligent, persistent, and patient. The U.S. Department of the Treasury the Coronavirus Aid, Relief, and Economic Security (CARES) Act assisting workers,

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Never did I imagine within a few short months of writing that article, the world would be in the middle of a pandemic known as COVID-19 and that it would abruptly disrupt the way we did everything. From going to work, shopping, traveling, socializing, religion, routine doctor appointments, and funerals; to the devastating blow to our economy and our wellbeing, we are experiencing is dubbed the “New Normal.” During these “economic downturns,” small businesses need to be laser-focused, honing in on their services or product offerings, ready to shift and adjust for the changing times. Today’s social norm is allowing me to ignite my creative talents in multiple ways, and I am excited. But do not think that I am ignorant of the struggle ahead. I am aware of the news reports stating that over 20.2 million individuals have lost their jobs in the services and hospitality industry (MSNBC). I have lost a significant amount of revenue due to event cancellations and offering full reimbursements to my clients. But now is not the time to give up. Now is the time to shift and adjust to the changing times, or you could be left behind. 14 | Spring 2020 Extended

“No man ever injured his eyesight by looking on the bright side of things.” - Author Unknown

families, and small businesses. As a result, the U.S. Small Business Administration (SBA) is offering several relief options and resources; • The

Economic Injury Disaster Loan (EIDL) • EIDL Advance (for U.S. agricultural businesses) • Paycheck Protection Program (PPP) • SBA Express Bridge Loans • SBA Debt Relief Thankfully, it doesn’t stop there. A plethora of resources is out there waiting and willing to help business owners during this time. While we are ‘sheltering-in-place,’ there are learning and mentoring opportunities from successful business owners and companies on how to survive this pandemic, but how

to come out more robust; more focused; superior products or services; a better business owner. Recently, I read a piece in a devotional book about Samuel Morse and how he dreamed of becoming a great painter. The book mentioned his father, Jedediah Morse, gave him advice to “Attend to one thing at a time. The steady, undissipated attention to one object is the sure mark of a superior genius”. So Samuel pursued becoming a great painter until disappointments, and a series of setbacks cause him to abandon his dream. Not forgetting his father’s advice, Samuel switched his focus and changed the world by inventing the telegraph and the language of Morse code. For the past several weeks, as this pandemic continues, I have decided to reevaluate my business model and identify and determine ways to shift for this ‘New Normal.’ And I can honestly say that I am overwhelmingly excited, optimistic, and expanding my service offerings. I am thinking outside the box and creating bright new ideas for my client’s

“stay-events.” My team and I are moving forward on a new events App we believe will enhance the future of the social events industry. Yes, as small business owners, we are up against new trials and challenges, but there are also new opportunities. Our creative spirit is more often released in our most challenging moments. It has been said that few great things are ever accomplished when we’re comfortable. And although we all desire to be comfortable, it is not our most productive moments. COVID-19 has brought all of us to uncomfortable moments. But in these moments, if we look hard enough, we can see new vistas and new opportunities to expand our dream of entrepreneurship and empower our future.

Small Business Concierge Magazine |

Hair Loss – The Impact On Women Today

By: Vanda McCauley | Vanda Salon | https://www.vandasalon.net When I started going through pre-menopause, I began to notice more than usual hair shedding. Once I began to experience full-on menopause, in a matter of months my changing hormones lead to a noticeable amount of hair thinning from all over my head, it felt as though I lost half my hair strands in a short period, I was devastated, ashamed and scared. I suddenly became a statistic. I joined the 30 million other women in the United States who experience female pattern hair loss, alopecia, and struggle with thinning hair. Hair loss of some sort affects approximately 40% of women by the age of 50. As a licensed hairstylist, I feared that my clients would lose confidence in my ability to care for their hair or provide creditable advice to help maintain and grow their hair.

My experience with thinning hair caused me to study Trichology, which is the Para-medical science of hair loss and associated scalp problems. By integrating the clinical principles of scalp and hair health with hairstyling, I can reasonably assess the hair loss or growth issues and formulate comprehensive customized treatment protocols and hair growth regimens for clients. This spotlight provides the most current thinking about women’s hair loss and thinning in terms of the psychological impacts, primary causes, and treatments. Although it’s not a life-threatening condition, noticeable hair loss has a severe emotional impact on a woman’s self-esteem, body image, and self-confidence. It can also produce other psychological difficulties such as depression and less frequent and enjoyable social engagement. Hair loss for women can be so emotionally devastating that it can trigger diminished work performance, alter healthy living such as avoiding exercise or not treating other health conditions. 16 | Spring 2020 Extended

The bottom line is that society puts excessive pressure on women’s beauty, and a great deal of this comes from the perceptions of hair. For women, hair is the crown and glory, a symbol of beauty and pride. If this sense of beauty and pride starts to diminish, it can shatter a woman’s identity. The topic of women’s hair loss is quite complex, although there are nearly 30 different diagnosed conditions that cause hair loss in women, at the core of these conditions are two main culprits: inflammation and Dihydrotestosterone (DHT). Pregnancy, menopause, stress, lack of sleep, medications, frequently wearing hairstyles that pull the hair too tight, and poor nutrition can all be catalysts for inflammation in the hair follicle, hormonal imbalances that can trigger inflammation in the hair follicles, disruption in the hair growth cycle, and the build-up of DHT that causes hair follicles to shrink. As a result, the hair stand grows thin and brittle.

Against popular belief, female hair loss and thinning is a treatable condition, and the treatment protocol depends on the underlying cause. Often merely addressing the health condition causing hair loss is enough to regrow the hair. Maintaining general health, which includes eating a well-balanced diet, getting at least 7-8 hours of restful sleep, drinking ample water, and taking at least 75 mg of vitamin C, can strengthen the hair. Also, consuming omega -3 fatty acids, which has anti-inflammatory properties, and adequate amounts of zinc can foster hair tissue growth and repair. Zink helps to keep the oil glands around the hair follicle working properly. Effective Hair Growth and Treatment Protocols May Include: Blue Light Therapy: disinfect the scalp by getting rid of bacteria and fungus. Itâ&#x20AC;&#x2122;s also instrumental in detoxifying the scalp. Red Light Therapy: increase hair count, hair density, and hair thickness for men and women. All of these benefits come without any adverse or negative side effects.

Red Clover: a natural source of biological estrogens, integrating this herb into your diet, can help correct the hormone imbalance and prevent continuous hair loss. Also, Red Clover prevents infection, eases menstruation, and menopause, as well as lowers inflammation of the skin/scalp. It can regularly be consumed as a tea. Rosemary Essential Oil: may reduce the DHT tissue levels by blocking the androgen receptor activity. This essential oil is believed to enhance cellular metabolism that triggers hair growth. This oil can be messaged directly into the scalp. Tea Tree Oil: improve blood flow and allows nutrients to reach the hair follicles. It balances the pH level of the scalp, reduces bacterial growth, and stimulates that hair growth cycle. This essential oil can be massaged directly into the scalp. Employing a consistent treatment protocol and growth regimen, along with incorporating a healthy lifestyle, is imperative in combatting hair loss and achieving healthy, longer hair. Your scalp can be healthy, and your hair can grow! Learn more about â&#x20AC;&#x153;Combatting Hair Lossâ&#x20AC;? at https://www.vandasalon.net

Small Business Concierge Magazine |

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 NONSTOP. 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.

Small Business Concierge Magazine |

Defining Margaret Jackson As A Leader By: SBC Staff Writer | Small Business Concierge Magazine

Defining oneself as a leader is a steady everchanging process.

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

Leadership Analysis: Margaret Jackson

My analysis of me as a leader validated my core values that are final and fixed such as, being rooted in my religious beliefs, loving my family, loyalty, faithfulness, and dedication to encouraging others to be their best whole person. My contacts view of me as a leader aligns with my top five whole person strengths in BetterUpâ&#x20AC;&#x2122;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 customerâ&#x20AC;&#x2122;s experience.

Open Communication Inspiring as a Leader Cultivating a work environment that encourages open communication mitigates unnecessary confusion and complaints. I encourage direct feedback, having candid diplomatic discussions on tough issues, and conversations around improving processes. As a result, our productivity is

high, and our team spirit higher. Who Am I When I Am at My Best, According to My Contacts My contacts expressed similar thoughts about who I am at my best. I am at my best when I am able to help others achieve their goals, complete clearly defined projects with team members, and focused time to accomplish the goal. I thrive on fighting to help others succeed, determined, compassionate, and leverage opportunities to create win-win outcomes for everyone. I am able to stay calm and solve problems even if they do not go as planned. I will sacrifice leisure time at home to accomplish the goal by pushing myself to extreme limits. I set my sight on something and work until I get it right. How Your Strengths Are Reflected In Your Actions When You Are At Your Best The best way that I can describe how my strengths reflect my actions while at my best is my willingness to lose temporary disputes. I decide on whether it is necessary to win or not. Can the job get done without insisting on winning a brief dispute? As a leader, I am willing to sacrifice being right so that we can succeed and win as a team. Leadership Statement: Who Margaret Jackson is as a Leader My purpose is to lead and inspire people to live life with purpose. A few of my top professional values include helping others, collaboration, achievement, and creativity. My three leadership strengths flow, participation, and open communication are the strengths that bridges to my top professional values that support my leadership strengths to help people live life on purpose and resolve. BetterUp Live Coaching Experience The BetterUp experience coaching session focused on my top three strengths and mindfulness strength for me to achieve my professional goals. My best self is to maintain my balance by taking time out for me, delegate, communicate, and do not overflow on projects. My plate is stacked full with SBDC work, being a radio show personality, small business magazine publisher, and an MBA student. The best self is achieving total balance to reach professional and personal goals. Small Business Concierge Magazine |

Y/E 2.0

(Young Entrepreneur)

22 | Spring 2020 Extended

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

Small Business Concierge Magazine |

Silicon Valley SNUG Family Childcare in the Wake of Covid-19 By: Marilyn Randolph I Amari Rise Publishing I www.marilynrandolph.com The COVID 19 virus has changed the standard way of life. Family Child Care, the heart of our communities, continues to beat steadily, even amid this present climate. Family childcare is essential. Many childcare providers love what they do and are stepping up. They are implementing healthy and safe measures to help bring ease to working parents and to those that are starting back to work. Healthy and safe measures include: 1. Temperature checks before entering the home or childcare facility 2. Consistent handwashing & sanitizing 3. Providing a stable place for children to do their homework 4. Wi-Fi accessibility for online classrooms I have found that family childcare providers in our community actually relieve parents of worry through the care they provide for their children. Pare nts go to work assured that providers are following protocols and safety guidelines that continue to keep their children safe and healthy. There are many resources and peer groups available online that keep providers aware of the county and state regulations concerning the care of children. They are working continually to stay ready and equipped. Companies such as Daycare Insurance (DCI), keep Family Child Care providers up to date wiht the latest insurance products and resources during these uncertain times. It can be hard to verify or even make sense of the available information; we want to share with you accurate, user-friendly information that you can act on confidently. We are continuing to work with various organizations, professionals, and insurance carriers to bring you as much information as possible. Information is often changing, but we will continue to do our best to bring you verifiable information. We have compiled various links below with information on reopening guidance from the Center for Disease Control (CDC) Guidance for Child Care Programs that Remain Open https://www.cdc.gov/coronavirus/2019-ncov/community/schools-childcare/guidance-for-childcare. html Interim Guidance for Resuming Child Care Programs (PAGES 40-44) https://www.cdc.gov/coronavirus/2019-ncov/downloads/php/CDC-Activities-Initiatives-for-COVID-19Response.pdf#page=40 Cleaning & Disinfecting Guidance https://www.cdc.gov/coronavirus/2019-ncov/community/reopen-guidance.html Cleaning & Disinfecting Decision Tool https://www.cdc.gov/coronavirus/2019-ncov/community/cleaning-disinfecting-decision-tool.html Child Care Licensing Provider Information Notices Updates https://www.cdss.ca.gov/inforesources/community-care-licensing/policy/provider-information-notices/ child-care 24 | Spring 2020 Extended

Small Business Concierge Magazine |

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

t 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.

investigator for the Santa Clara County District Attorney’s Office. Before that, she was a corporate investigator for five years for Advanced Micro Devices.

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. “It’s a gratifying profession because you’re helping people solve problems,” said Tracey Kroot from Kroot Private Investigations. “You can make a huge impact on peoples’ lives for the better.” Kroot is one of an estimated 33,000 licensed women private investigators in the U.S., according to Data USA. It also says there are over 40,000 licensed men in the field.

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“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.”

That said, Kroot honed her skills as an 18-year 26 | Spring 2020 Extended

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 Josebased investigation firm in 2015. “Back in the day, I dealt with a lot of children, elder, and domestic abuse cases,” Kroot said. “These can be extremely-sensitive and personal conversations, and I think women are better equipped to have them because

Nothing gets solved in 60 minutes, but it is exhilarating when you solve a complicated case – you just can’t make this stuff up. we’re usually more empathetic than men.” Kroot went on to say that “oftentimes the ‘good old boys network’ comes into play, but just as often they’re looking for a female – it gets back to empathy and approachability.” The perception that men dominate the industry is one reason why women private detectives have formed strong support networks, Kroot said. Today, Kroot focuses on family law and child support cases. She’s also hired to conduct witness 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.”

wood” 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 408-309-7064 or email Tracey@pi-kroot.com. Also, visit her website at www.pi-kroot.com.

Most banks don’t keep records past seven years. In the case of our elderly woman, the bank did try to track her down and, at some point, re-issued new checks. “But a woman by the same name in Georgia had cashed them,” Kroot said. “The FBI got involved, and the bank had to make my client whole to the tune of $250,000.” 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 pre-screened,” 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 licenses private investigators after they’ve completed three years of intensive on-the-job training. So, the reality is quite different from the “HollySmall Business Concierge Magazine |

Silicon Valley SNUG Coach Tip: Covid-19 Small Business Pivot Tips By: Margaret Jackson | |AM 1220 KDOW & iHeart Radio | www.kdow.biz Money 2.0 Team COVID-19 impact on small businesses has been devastating. The best strategy to pivot and save your business is don’t fear. Many small businesses have closed their doors forever. If you are hanging on, here are a few things to keep in mind. 1.Don’t fear. Decision making becomes impaired under fear, stress, and pressure. 2.Consider your options. Can your business pivot? Are there smart ways to create income online, reaching out to your customers, or negotiating new contracts with your clients? 3.Take advantage of Federal, State, and Local programs that are providing support. 4. Take advantage of large corporations that are offering grants and unique product or resource credits. 5.Apply for the SBA Payroll Protection Program (PPP) that helps with employee payroll, rent, mortgage interest, and utilities. The PPP has a forgivable component to learn more go to SBA’s Website. 6.Apply if qualified for the SBA Economic Injury Disaster Loan (EIDL) or Economic Injury Disaster Advance. Check for qualifications on SBA’s Website. 7.Read the rules for the CARES Act for small businesses on the U.S. Treasury Website. 8.Get help from no-cost business advising centers from a local Small Business Development Center, Score, Women Business Center, or other small business resource centers. 9. Stay calm and think clearly. In the meantime, please stay safe and don’t go through saving your business alone, reach out, and get the support needed. 28 | Spring 2020 Extended

Small Business Concierge Magazine |

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, donâ&#x20AC;&#x2122;t miss it!

Small Business Concierge Magazine |

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 worldâ&#x20AC;&#x2122;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 everyoneâ&#x20AC;&#x2122;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 blockchainâ&#x20AC;&#x2122;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.

â&#x20AC;&#x153;

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

Small Business Concierge Magazine |

Silicon Valley SNUG Recipe courtesy of Chef Tisha Wylie | YouTube: Tisha’s Table

Healthy Mom 101: Stay-at-Home Cozy Cooking Chicken and Dumplings By: Chef Tisha Wylie Jeffers I Tisha’s Table I www.tishastable.com 1 whole chicken, poached and meat removed and hand shredded, reserve liquid for later 2 carrots, diced 1 large onion, diced 2 Tbsp. Canola oil or olive oil 2 Tbsp. flour

1 bunch of fresh thyme A couple of bay leaves 1 Tbsp. chicken base Salt and pepper to taste 1 can of evaporated milk or heavy cream 1 batch of dumpling batter (recipe follows)

In a large pot, add oil, diced carrot, and onion and cook for a few moments. Add flour to coat the vegetables and continue to cook for another 3 minutes. Slowly add the liquid from the poached chicken (about 6 cups) Stir in the chicken base, and add in salt and pepper to taste. Give it a taste to check seasoning – add the thyme and bay leaves. Bring to a simmer and carefully drop dumpling batter in the liquid 1 tablespoon at a time. Cover and cook for about 10- 15 minutes or until the dumplings float to the top and are cooked all the way through. Stir in the cooked shredded chicken, stir in the milk and serve.

Dumpling Batter: 1 1/3 cup of Flour 2 teaspoons baking powder

Pinch of salt and pepper 2/3 cup of milk Chopped fresh Italian parsley

Mix all the ingredients together until you get a ball of dough. Add more milk if it’s too dry. 34 | Spring 2020 Extended

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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

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.

Small Business Concierge Magazine |

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 itâ&#x20AC;&#x2122;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

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bookme@businessontheedge.biz 408 205-4056

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Power Women, Power Secrets

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

omen are on the rise; they are taking their rightful place in the professional community. The Small Business Concierge Magazineâ&#x20AC;&#x2122;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.

Small Business Concierge Magazine |

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.Â 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. Small Business Concierge Magazine |

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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.

Small Business Concierge Magazine |

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.

Small Business Concierge Magazine |

The Soft Sound of Legacy and Leadership Dr. Gari Browning By: Margaret Jackson |AM 1220 KDOW & iHeart Radio | www.kdow.biz Money 2.0 Team

r. Gari Browning has led the Ohlone Community College District for the past twelve years, as its first female president. As she graciously passes the torch of her legacy’s soft sound, the educational community salutes her and her accomplishments. I had the opportunity to sit down with Dr. Browning and talk with her about her career and leadership at Ohlone Community College in Silicon Valley. She is a splendid model of what we call a power-woman. Question SBCM:

Your modest leadership demeanor is noticeably powerful. Humility is said to be the chief characteristic of a Level V leader. How does it feel to be a Level V leader? Answer Dr. Browning:

My understanding of a Level V leader is that it believes in the purpose of the organization they’re trying to lead. For me, it’s easy to lead in education because the bottom-line for education is helping and improving people and society. It isn’t difficult. Believing in education as much as I do, it has been a pleasure. It hasn’t been a challenge to be totally and completely committed to that bottom-line. I think the humility comes from not out promoting yourself. But being out to promote what you believe in or your organization is the element that goes into being a leader for me. Question SBCM:

Your determination to lead and to achieve something higher than yourself appears evident throughout your career in education. What is that driving force?

52 | Spring 2020 Extended

Answer Dr. Gari Browning:

It’s knowing how valuable education is, especially to the individual. Community colleges are a vehicle for providing access to everyone to education. So for me, it’s been a lifelong commitment. It’s been something since very early on; I was very passionate about it because I knew how much it could change lives. It changes your whole way of thinking. It’s not just your economics. It’s it’s everything. It’s how you see your life, how you raise your children, how you impact the world. And everybody should have that opportunity. Question SBCM:

I have a side question; it’s not one of the questions on my sheet here. I wasn’t sure how to collect my thoughts to ask the question? And I’m not sure that I’m going to do a good job at it right now? I saw a picture of you, and it looked like it was years ago, maybe when you first started as Ohlone Community College president? That picture had a lot to say. And I was looking at you now, and I saw something in your presence and demeanor that as you answered this question, it made me think about that picture and that you believe in education. And the opportunity of education for everyone, every race, gender. Ohlone is known for its diversity. And I have to think that maybe you brought that torch into Ohlone? You carry something different. I can’t put my finger on it. Answer Dr. Gari Browning:

When it comes to that, I was lucky. Life-changing experiences when I was young that put me on this path. I was able to observe some young people who were very committed to education but did not have a good opportunity to move forward. And it made me feel like I had to follow that cause I’m not a cause person. But that grabbed me and never let me go. At that point, it was about diverse students and diverse kids. And Ohlone, I don’t want to take credit for making Ohlone diverse or saying that I brought that value to the college. I didn’t. It was there. It pulled me, and it gave me that opportunity to make it even more robust. But I will tell you when I started at the college, the motto for the college was a world of cultures united in learning.

Small Business Concierge Magazine |

Question SBCM:

What advice would you give to young women starting in their careers? Answer Dr. Gari Browning:

You know, that’s a good question. And it made me pause and think about it. I would pass along the advice that I was given. And that was you can do anything. You have to firmly-believe you can do anything, and you have to take it a bit further and say, I’m so positive that I can do anything that I’m going to take some risk. I’m not going to stick with that safe job that isn’t pulling me, attracting me, or drawing me. You have to be able to believe in yourself to the point where you will say; I’ll bet on myself. I believe that I can accomplish anything, and I have to take steps to get there. So early on, I left a tenured faculty position to go to a job that wasn’t even in the retirement system, and it was a good step for me to do. It helped me move forward in my career and gave me a broad perspective on community college. But it took some courage to do that. And it took, believing that I could really do something. I took a chance. Question SBCM:

On that note, and this is another side question, based on how you answered. Those who don’t take that extra step and that risk what kind of loss do you think might be there? Answer Dr. Gari Browning:

Well, they will probably always wonder and wish, and they may feel like, I lost my vision. I lost my opportunity to grow and be something I could be? I don’t know. It’s different for everybody. Probably people may say, OK, well, I missed that opportunity, but I got a different opportunity. It is hard to say and make that claim for everybody. But I think that there is the possibility of regret. Question SBCM:

Do you feel like you trailblazed for 54 | Spring 2020 Extended

women in education because of your achievements throughout your career? Answer Dr. Gari Browning:

Being the first female president at Ohlone, gave me the chance to maybe open some people’s eyes about a different leadership style. I would say the community, perhaps the people, the college community, the internal community at the college. I think that my style was, very, different. I think it may have got some people thinking about women leaders in general. And what those stylistic things mean and how they translate into helping the college move forward. Question SBCM:

Ohlone Community College is one of your grandest legacies, as its president, what are you most proud of accomplishing? Answer Dr. Gari Browning:

Well, you know, most people would probably assume it’s all those buildings, and they’re fantastic, but I think really.

I am most satisfied and proud of having a hand in shining a light on what a great college Ohlone is and all the now-noted accomplishments. When I started and even now to some extent, but a much lesser extent, people will say, oh, it’s the hidden gem, or it’s the Bay Area’s best-kept secret. I tried very hard to overcome that because it shouldn’t be a secret. Right. I worked hard to bring out all the wonderful things that the faculty, staff, and the students accomplish at that college. And I think I’ve succeeded a little bit (with a soft, warm chuckle) at least somewhat. Question SBCM:

What is the secret sauce to your success? Did you set out to be a college president? Answer Dr. Gari Browning:

No, I didn’t. Never would have thought that. I think throughout my career, I kind of went to where I thought I could help or where I thought I could make a difference, make the biggest difference. I was a faculty member early in my career. I mentioned that, and I’d been on several statewide committees. I taught statistics at the university at the grad level. And there was a research position that opened. I thought, if I were in that position, then I could have an impact on the students coming in and what sort of tests they have to take and whether those tests were good predictors, whether they were valid. And I could see if I did this, I’d have an opportunity to impact and help more students. So that’s kind of my driving force. I mentioned that I went from a tenured position in college I’d been at for 18 years. And I left, and I went to the accrediting commission because I thought, I can have a broader impact. I can help more people in that position. So that’s sort of been my driving force. I don’t know if I would call it secret sauce, but certainly, that’s what motivated me. Small Business Concierge Magazine |

Question SBCM:

Why are you passionate about diversity, English as a Second Language (ESL) students from other languages to thrive in their educational careers? Based on some of the research I did, I know that you’re fluent in Spanish. And there’s a reason for people learning other languages. There seems to be some sort of tie there, underlining something there that maybe we don’t know about, what is that? Answer Dr. Gari Browning:

I had a passion for language in people from other cultures that I don’t know how far I can figure out where it started. But I remember starting to learn Spanish when I was about 14 and having an opportunity to be the guide for people who were coming in and didn’t know any English. Not that I knew much Spanish, but I wanted to do it. And I got the opportunity. Becoming aware of the situation of second language learners was life-changing and focused me on ESL. I was a Spanish major in college, and I was looking for a part-time job. And the career center said, oh, well, we’ve got a great job for you, you know, Spanish. Therefore, you can teach English to people who don’t know it. And I thought I can? I had no background, no knowledge, no education in it at all. But I did take it as a job working with students in an after-school program, like five or six students, to try to help them learn English. And after about three weeks, I had a different group of five or six students. I

56 | Spring 2020 Extended

went to the director, and I said, why? What happened to the students that I started in the class? And she said, well after they’re in the program for a few weeks, they’re tested. And I said, what does that mean? She said, we give them a test, and we place them according to their scores. And all of your students placed in the educable but mentally retarded school. And I said, well, how is that? One of those kids wanted to be a doctor; they were bright kids. She said, well, they tested in English. That was it. I mean, that was, for me, a huge turning point in my career. It was very powerful. I know that still happens right now, and for eons, kids were prohibited from speaking their language on-campus and were punished if they were speaking Spanish. That’s what caused me to be passionate. Question SBCM:

Twelve years as President of Ohlone Community College in Silicon Valley, the technology capital of the world, the technology destination for students and professionals, is there higher stress to meet the world’s expectation of being a Silicon Valley college? Answer Dr. Gari Browning:

The beauty of the community college system is that word community is what it means; you are serving the needs of your community. You shape your college to serve that community. And for a Silicon Valley community college, there are certain values and expectations that the community has. They expect to be able to send their high school students to

college. They expect the students who do come to the college to transfer to high-level universities and do well once they transfer. They expect the career and technical programs to be focused on technology in health, science, and those kinds of areas. The expectations and stresses are well-matched to the community and the community’s desires and needs. So, yes, I think there is an expectation about being in Silicon Valley, and that’s what you deliver. And the other expectation is that you stay connected or you become connected with the community. So you know what it is they’re after. I think that I did that. I set up a president’s advisory committee and met quarterly with all of the community leaders and set up a mechanism whereby they can give us feedback. Then the next time I met with them, I’d say, here’s what we did with your feedback, and then I’d give them a new topic to give us advice on. And that that started about five years ago and it’s still going on. Question SBCM:

What are your final words of encouragement to the Ohlone Community College students? Answer Dr. Gari Browning:

Right now, we’re in an unknown situation. It may be easier for students to lose their momentum in their steam, in their hope in this situation, because it is unknown. What I would tell them is, you know, you control your destination. You need to look forward and not get stuck in this situation. You have plans. You need to focus on

those plans and carry forward with those plans. And then in focusing on the future, it will get you to the future, and the future will be, as you said at the outset. We’ll get through this.

Small Business Concierge Magazine |

Question SBCM:

What is what does retirement for you? How are you defining that? Answer Dr. Gari Browning:

I have many projects I want to address. I’d love to be able to travel more. We’ll see how that develops? I would love to do some consulting. I would like to work for the accrediting commission, perhaps as a commissioner someday. So there are things that I would like to continue. I would like to be involved in the community more than I have been able to, so lots of aspirations left. Question SBCM:

What would you hope a person would say about your educational legacy? Answer Dr. Gari Browning:

That I moved the college forward on many fronts. It’s great to have been able to be involved in providing a great learning environment for the students. Seeing those students walking around in those new buildings on that new campus and having them say, oh, this is wonderful. It is a fantastic learning environment; it is so satisfying and rewarding. I didn’t get to spend too much time in that new office, but I had a really good venue; I could watch the students interacting throughout all the buildings. And it was very rewarding. The one thing that I hope people remember and attribute to me is the focus on diversity and inclusion. I am not responsible for the diversity at Ohlone, and that value. I said that before. But I think a lot that we’ve been able to do has made that something we’re known for in Silicon Valley. Ohlone is known for its diversity and how it welcomes people from diverse backgrounds. Ohlone works hard to enhance the cultural knowledge and appreciation of everybody, of students, of staff, of the faculty. We put a lot of effort into it continuously. And I think that has made a big difference. SBCM: We wish you the best in your next power woman venture.

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Superior Results Inspired Designs Creative & Imaginative Strategies Let Posh Events and Affairs bring your dreams and visions to fruition. We are your special events solution. @POSHLOVES POSHEVENTSANDAFFAIRS.COM

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â&#x20AC;&#x153;

Power Women are on the RiSe. Women that belong at your business, network, social, and political table.â&#x20AC;?

Small Business Concierge Magazine |

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. 62 | Spring 2020 Extended

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: is the Director of the Santa Clara County, Department of Family and Children Services (DFCS). Francesca spearheads DFCS providing services to protect, prevent and remedy child abuse and neglect while advancing child and family safety and well-being. SBCM: What are the top three reasons why you selected this line of work? FL:

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

How do you make a difference? FL:

My hope is that I have in fact made a positive difference. For over 31 years, I have done my best every day to serve and give a voice to the voiceless. I do my best to understand those I seek to help by listening to their life stories in order Small Business Concierge Magazine |

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.

Small Business Concierge Magazine |

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 in creating generational wealth through real estate for not only the parents but for their kids. The same rings true to this current day.

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Small Business Concierge Magazine |

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 y two girls mean the world to me, and my husband has played an enormous M 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

â&#x20AC;&#x153;

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 itâ&#x20AC;&#x2122;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 â&#x20AC;&#x201D; 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. 70 | Spring 2020 Extended

Whatever can't get done in those 24 hours, can wait until the next day! 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.

Small Business Concierge Magazine |

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 72 | Spring 2020 Extended

and often trigger new additional waves of anger, grief, guilt, low self-esteem, and fear, which in turn snowballs into more significant amounts of stress.

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

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

creativity

concentration, memory, and

* Weakens/lowers negative emotions * Extends mental space * Cultivates greater awareness * Increases hope * Promotes non-judgment and peaceful

observation happiness

* Improved productivity and performance * Psychosocial well-being * Promotes emotional intelligence and

motivation

* Promotes relaxation and peace * Positively benefits occupational

innovativeness and development

* Promotes

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.

Small Business Concierge Magazine |

Motivational Tips for Getting Through the COVID-19 Challenges By: Carolyn Robinson |Empowering You Now |https://www.empoweringyounow.com

The COVID-19 pandemic has inevitably created obstacles for your business. The more obstacles you encounter, the more difficult it is to keep your optimism and motivation high. During these moments, I would encourage you to ask yourself the following question: Will you give up and quit, or will you make the adjustments needed to sustain and grow your business? If you are committed to overcoming your barriers, the following eight tips will keep you focused and motivated to achieve your business goals. 1. Focus on the things you can do today. The more you focus on things you can’t do because of COVID-19, the less motivated you’ll feel. When you focus completely on things you can change, you’ll realize that you can develop new ideas to make adjustments for your business to succeed and grow. Don’t waste your time or energy on things that are out of your control. It leads to higher levels of fear and frustration. 2. Take a step back to think about the big Why? What motivated you to start your business? What is the dream that motivated you to embark on that journey? Remember, your WHY has to be bigger than COVID-19 to prevent you from quitting. 3. Always celebrate the small wins. Keep the big picture and goal in front of you, but it’s crucial to celebrate the small victories. You will achieve your goals one step at a time. It is a process that you will need to be kind to yourself and your supporting team during this process. It would be best if you were intentionally taking the time to celebrate the small changes or adjustments you 74 | Spring 2020 Extended

have made in your business to overcome the COVID-19 challenges. It will allow you to see the progress you’re making and increase your motivation levels. 4. Stay Positive. Keep your motivational juices flowing by staying positive! Look for new opportunities amid this challenge. Think outside of the box. Positive thinking creates positive feelings and stimulates creative ideas. If your goal is to restructure your business to make adjustments for the changes needed as a result of COVID-19, work with your team to brainstorm creative ideas, and act on them. It’s common for motivation to follow positive thinking and action. Once you take the first step, you’ll feel motivated to keep moving. 5. Start visualizing your success. By visualizing a successful business, despite the COVID-19 challenges, you bring your future into the present. As you visualize your business and all the benefits it will bring, you’ll feel your motivation begin to skyrocket.

6. Achieving goals using small manageable steps. You’ll start to procrastinate and potentially even give up prematurely if the path looks too challenging. Therefore, break up your big goals into small achievable steps. It will prevent you from becoming overwhelmed by all of the new COVID-19 mandates, so take it one step at a time. 7. Daily Affirmations will keep you positive. Affirmations help you believe that you’re going to achieve your goal. When you’re feeling overwhelmed, burned out, or low on motivation, saying things like, “My business is thriving, despite the COVID-19 challenges” can help you stay encouraged and inspired. 8. Associate with individuals who will encourage you. Boost your motivation is to surround yourself with other motivated people. While you are making adjustments in your business, spend time with other passionate entrepreneurs who are successfully overcoming the COVID-19 challenges. They will encourage you to keep moving forward. These ideas may be simple, but they’re profound. Put these tips to work in your business today and get motivated to overcome the COVID-19 challenges and see your business grow.

Small Business Concierge Magazine |

Home is Where the Heart Is By: Marcie Anderson | Corporate Wellness Consultants |http://www.corporate-wellnessconsultants.com

e have all faced our fears at some point in our lives. Did you have a fear of flying? When your best friends’ wedding was an event you could not miss, you somehow overcame your fear and made it to the celebrated event. The fear of public speaking, fear of speaking up in a crowd, afraid of receiving public ridicule or negative judgment, but after doing so, many in the crowd came up to you and thanked you for your courage. By doing so and trusting your gut, now each of them feels more confident to engage and participate. Was your fear of asking someone for forgiveness or telling someone you loved them, for fear of being rejected? We have shared experiences of overcoming our fear or not. We share this in common as individuals and as a global collective across all ages, races, genders, cultures, and economic status. Now, in the face of a global virus pandemic that affects everyone in one way or another, it can certainly feel as though fear has won. It may feel as though fear has brutally

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extinguished the light of faith, hope, and love in everything. Let’s stop. It’s time to re-focus. Now is the time to truly wake up. There has never been a time like this on the planet precisely like this. Humanity has endured tragedy, loss, massive change, severe conditions, and brutality, and yet there has always been one common thread to overcoming adversity. That unbreakable, unshakeable, ever-resistant, and timeless thing? Love. The pandemic is forcing us to slow down, dial back our hyper-space paced life; we are experiencing perhaps for far too long. A silence. For some, this silence is making their skin crawl. It’s bringing up a mirror from which to turn inward upon themselves, and many are not wanting to face what they see. You want to run away, but everything that has helped you keep running for all this time is taken away. Now what? A few things to consider,

1. What is your reflection? 2. What have you stuffed in the recesses of your heart and mind? 3. What must you face and work on during this time? Pace and stillness make us enter into the silence. The practice of doing nothing is powerful and compelling. Deeper silence at first creates discomfort; it is like a stranger that enters our personal space without attention or respect for boundaries. Profound silence is where the magic lies to create what you desire and quiet the noise of life.

selfishness, where our struggles of fear, anger, doubt, and lack of compassion rule, or we can choose now to return to our profound truth through the gateway of peace and silence. Your choice matters and does not affect only you. Like a child throwing a tantrum, we threatened to run away from home. We did run away, and now we are being called back. We are being called back to hope, patience, compassion, peace, gratitude, love and truth, and a profound remembering that â&#x20AC;&#x153;Home is Where the Heart is.â&#x20AC;?

We can embrace this global wake up call together; in fact, we must. There is no choice; there is no sitting this one out. Itâ&#x20AC;&#x2122;s been in the face of tragedy that we set aside our differences and pettiness to work together. In working together, we begin to see one another again, and we awaken to the reality of our greatest gifts. Life. Love. Unity. Individually and collectively, we are faced with a choice; to remain wandering in the desert of

Small Business Concierge Magazine |

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.

Small Business Concierge Magazine |

Understanding your FICO score. By : Ruth VanDerostyne | Financial Education Services | SBC Advantage (888) 977-1222

Collections: 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. 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. 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. 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 80 | Spring 2020 Extended

home loan or a car loan, you should have four credit cards. Student loans, if not in deferment count as one of the four trade lines active on your credit report. Credit Card Balances: It is important to keep your credit card balances under 30% of its limit (15% is even better). If you keep your balance under 30% of the credit limit, you will receive 5 points to your FICO score, If you keep your balance under 15% of the credit limit, you will receive 15 points to your FICO score. Once you go over 50% of the credit limit, it will drop your score 18 points (per credit card).

“

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

Inquiries: 5-9 inquiries in a two-year period will drop your score 20 points. Don’t let anyone run your credit. You can run your credit on the free websites, show that report to the person you are applying for credit and see if they can do the deal. If they can, then allow them to run your report through their company. Don’t close credit cards: Once you have eight years worth of credit history on your credit report, you get 40 points added to your FICO score. So don’t close credit cards. If you want to do a “transfer balance” to another credit card, that is ok, don’t close the credit card you moved the balance from. Don’t let the creditor close your account. Use your credit card once every 4 to 6 months, then pay off the balance. Authorized User: The authorized user still works today. Example: Mom has great credit, and she wants to help out her son. She can add him as an authorized user on her credit card, Mom’s great credit will go on the son’s report, son’s bad credit will not hop on Mom’s credit report. The authorized user works for car loans and credit cards. If you want to open a home mortgage, you need to have your own credit established. Types of Credit Cards: If you only have major credit cards (Visa, Mastercard, and American Express), you will get 16 points added to your FICO score. If you add a department store card to your credit, you will then have 27 points added to your FICO score. Bank Accounts: If you have a checking account, it will give you 5 points added to your FICO score, savings account gives you 10 points, if you have both, it will give you 20 points added to your FICO score. Small Business Concierge Magazine |

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.

Small Business Concierge Magazine |

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

Some businesspeople view insurance like taxes a chore to get through costing money and required by others for compliance. Business insurance is too important and costly, so having this basic knowledge can save your business money while facilitating growth. Business Owner Policy (BOP) is a popular package combining Commercial General Liability (CGL) and Property Insurance. It may include Liability, Business Personal Property (computers, inventory, furniture), Lessor Coverage (required by landlords from tenants), Tenant Improvements, Cyber, Employment Practices, Business Interruption, and Additional Insureds. Most BOPs focus on a particular business risk category - a real estate office faces different risks than a restaurant, and their BOP should reflect that uniqueness. Basic coverages and deductibles can be adjusted. Since each carrier has a BOP version and preferred target customers, always ask if your business fits into their particular â&#x20AC;&#x153;appetite.â&#x20AC;? 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 84 | Spring 2020 Extended

imperative if you provide a professional service or routinely give advice to clients. For home-based businesses (webmaster), PL may be sufficient for their needs without a BOP. Both PL and BOP are imperative for accounting or medical offices. Commercial Umbrella adds higher limits over several coverages. It can be a strategic way to increase overall coverage while saving over increased coverage on each category alone. Commercial Vehicle coverage includes work trucks, but also the vehicles used for the combined business and personal use. If an accident occurs when using a personal-only vehicle for commercial purposes, personal insurance carriers may disallow coverage. Realtors driving clients around should have commercial- and personal-use coverage. Now, due to the National Commercial Motor Vehicle databases, a boating DUI in one state can impact commercial drivers licenses (CDL) in another. Employers need to monitor CDL motor vehicle reports regularly. Workerâ&#x20AC;&#x2122;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). â&#x20AC;&#x153;Experience modifiersâ&#x20AC;? 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.

â&#x20AC;&#x153;

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

Small Business Concierge Advantage Guide

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Small Business Concierge Magazine |

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 Margaret Jackson Radio Personality Advertise Strong/Brand Longevity/Grow Business Contact Us for a FREE On-Air 60 second pitch Team Edge |Advertising Strategist Silicon Valley/Bay Area, CA ..........888 MySBC-30 http://www.businessontheedge.biz 88 | Spring 2020 Extended

Ohlone College: Extended Opportunity Program & Services â&#x20AC;&#x153;Got Textbooks?â&#x20AC;? 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 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 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 Amari Rise Publishing and Coaching Services Coaching, Publishing, Books, Child Care, Empowerment 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 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 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

Small Business Concierge Magazine |

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

Catering Crazy Daisy’s Sweets and Treats An On-line Bakery Serving the East Bay Jocelyn Twomey | Baker Extrodinaire Bay Area.............................................510 736-4979 http://www.crazydaisysweets.com

Child Care Provider Step Up and Do Something Community Child Care Provider Network & Training Rita Guess | Executive Director San Jose, CA .....................................408 772-8679 http://www.stepupanddosomething.org

90 | Spring 2020 Extended

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 Career Center Recruiting Services |Workforce Planning Office |Newark Campus Newark, CA .....................................510 742-2323 https://www.ohlone.edu/careercenter SAE Expression College Offers programs in Animation, Audio, Digital Film, Game Development, and Entertainment Business Admissions |Emeryville Campus Emeryville, CA .....................................510 654-2934 http://www.usa.sae.edu/campuses/emeryville

Community Investment Step Up and Do Something Honors Class Club 100 Academic Classes Rita Guess | Executive Director San Jose, CA .....................................408 772-8679 http://www.stepupanddosomething.org

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

Consultant Services

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/iHeart Radio 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 â&#x20AC;&#x153;Dream, Believe and Achieve with EOPS!â&#x20AC;? 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 specialize in the details - Unique Events Anywhere Meredith Walker| Founder & CEO Silicon Valley /Bay Area....................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 Ricardo Flamenco Productions Corporate / Small Business / Promotionals / Ricardo Flamenco| Creative Director & Producer Silicon Valley/Bay Area.....................408 594-1489 call for production reel portfolio

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

Small Business Concierge Magazine |

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

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 Career Center Recruiting Services |Workforce Planning Office |Newark Campus Newark, CA .....................................510 742-2323 https://www.ohlone.edu/careercenter

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 call for bookings 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

Education, Training, Workshops & Tutoring

Event Planners

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/

Epic Venues Glass House & The Corinthian Grand Ballroom Event plannerâ&#x20AC;&#x2122;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

92 | Spring 2020 Extended

Event Planning

Financial Services

Posh Events & Affairs Executive Event Planning Meredith Walker| Founder & CEO SIlicon Valley/Bay Area....................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) 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

TransAmerican Financial Advisors Financial Advising Bradley Hamada | Financial Trainer Bay Area, CA ...................................408 712-2107 N/A

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 call for design portfolio

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 5595529x3# http://www.caleprocure.ca.gov

Small Business Concierge Magazine |

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

94 | Spring 2020 Extended

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............... 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 Insurance Services Tressa Williams Agency State Farm Providing Insurance & Financial Services Tressa Williams | Insurance Agent Bay Area, CA ..................................408 243-4400 http://www.twilliamsagency.com Wettenstein Insurance & Financial Solutions Personal/Commercial & Small Biz/Life/Health/ Special Warren G. Wettenstein | Independent Insurance Broker Silicon Valley/Bay Area..................408 824-1450 guru@ourinsuranceguru.com

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 theft Warren Wettenstein | Independent Associate Silicon Valley/Bay Area.................408 824-1450 call for legalshield membership

M Manufacturing Hastest Solutions, Inc. Environmental Test Chamber Types are, Burn-In, HAST/PCT, HTOL/LTOL, Humidity, Salt/Fog/Spray Corrosion, Sand & Dust, Rain Splash, and Drip, Temperature Cycling, Thermal Cycling, Thermal Shock, Customized Walk-In Chambers Aylia Rizvi | COO San Jose/Bay Area CA .................408 945-7861 http://www.hastest.com

Marketing Architeckie Get Visible, Get Sales Isaac Teckie | Consultant San Jose, CA .....................................408 389-4572 http://www.architeckie.com Money 2.0 Business On The Edge/AM 1220 KDOW Margaret Jackson Radio Pesonality Sponsorships, Commercials, Live Ads Mass Comm. Team Edge |Build Your Brand Image Bay Area, CA ...................................888 MYSBC-30 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

Small Business Concierge Magazine |

Mens Health

Nature Journaling

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

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

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

Newspaper South Valley Review Newspaper Better at knowing what matters to you Brigitte Jones | Publisher & Advertising Agent Bay Area, CA .....................................408 898-7534 https://www.issuu.com/southvalleyreview

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 96 | Spring 2020 Extended

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

Women In Business Concierge CLUB

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

Small Business Concierge Magazine A platform that showcases women in business Margaret Jackson | Publisher of SBC Magazine & CLUB President Bay Area/Silicon Valley....................888 MySBC-30 http://www.smallbusinessconcierge.biz

Occupational Therapy Staffing

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

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

Eternal Health & Wellness Acupuncture for Stress Relief Dr. Quli Zhou| Chinese Medicine Milpitas, CA........................................408 241-6638 http://www.myeternalhealth.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

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

Opportunities for Academic Success

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

Ohlone College: Extended Opportunity Program & Services â&#x20AC;&#x153;You are not alone!â&#x20AC;? 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

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 Small Business Concierge Magazine |

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

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/conservationpodcast On the Edge Purpose Radio Podcasts On the Edge Business Training & Industry Professionals Margaret Jackson | Radio Podcast Host Bay Area, CA ..................................... http://www.ontheedgepurpose.podbean.com

Politics & Business

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

The Social-Preneur The Leadership Coach to Ambitious Women Chandra Brooks | Politics & Leadership Coach San Jose, CA ..................................... http://www.chandra-brooks.com

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

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

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 98 | Spring 2020 Extended

Publishers

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

Residential Construction & Remodeling

Tishaâ&#x20AC;&#x2122;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

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

Purchase Incentives

Restaurant

Creative Marketing Incentives Purchase Incentives Shane Higgins| Principal Owner San Diego CA........................800 619-6101 ext. 317 https://www.creativemarketingincentives.biz

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

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

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

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/

Small Business Concierge Magazine |

Speakers

Staffing Service

DO Enterprises Author | Executive|Inspiration Devin Oten | Entrepreneur Philantropist Bay Area, CA .....................................510 319-6079 http://www.devinoten.com

SlingShot Connections Staff Talent. Build Solutions Thereza Chattmon | VP Talent Solutions Bay Area, CA ..................................408 247-8233 http://www.slingshotconnections.com

Margaret Jackson/AM 1220 KDOW/iHeart Radio Radio Personality|Motivation Exec.| Dynamic|Humor Daniel Herd |Director of Special Events Silicon Valley /Bay Area, CA ..........888 MySBC-30 http://www.businessontheedge.biz

S.T.E.A.M.

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

Speech Therapy Staffing Ability Therapy Staffing Speech Disorders augmentative & alternative communication systems, autism spectrum disorders, or progressive neurological disorders Andrew Javellan | Manager San Jose/Bay Area, CA.......................408 659-6105 www.abilitytherapystaffing.com

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

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 ................................. 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

T Tax Strategies Financial Education Services Capital Gains Tax Strategist Ruth VanDerostyne | Expert Tax Strategist Trainer Bay Area, CA ...................................888 977-1222 http://www.fesexperts.com FCC Realty DRE 01300425 Gains Tax Strategist Frank Cancilla | Tax Strategist Introducer Bay Area, CA ....................................408 821-1291 http://www.fccrealty.com Tax Wealth Comprehensive Tax Solutions Bruce Jones | President | Tax Educator Mission Viejo, CA ........................800 300-4723 www.taxwealth.com

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Technology

Video Production

Tip Now, Inc. Making Communities Safer “See Something Say Something!” Cyril Rayan | CEO Santa Clara, CA ..............................877 395-5095 http://www.tipnow.com

Ricardo Flamenco Productions Corporate / Small Business / Promotionals / Ricardo Flamenco| Creative Director & Producer Silicon Valley/Bay Area.....................408 594-1489 call for production reel portfolio

Testing Services Hastest Solutions, Inc. Environmental Test Chamber Types are, Burn-In, HAST/PCT, HTOL/LTOL, Humidity, Salt/Fog/Spray Corrosion, Sand & Dust, Rain Splash, and Drip, Temperature Cycling, Thermal Cycling, Thermal Shock, Customized Walk-In Chambers Aylia Rizvi | COO San Jose/Bay Area CA .................408 945-7861 http://www.hastest.com

Travel Services Spectacular Odysseys Curator of Fine Travel Narmada Ramakrishnan | Founder/CEO San Jose, CA ..................................408 944-9164 https://www.linkedin.com/company/spectacularodysseys Twin Travels Taking the Pain Out of Planning Your Travel Alicia Owens | Travel Specialist Bay Area, CA ..................................408 421-4704 www.twinstravelservice.com

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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

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Women Networking Groups

Y/E 2.0 Leadership & Innovation

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

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

Womenâ&#x20AC;&#x2122;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

Firehouse Community Development Center YouTube Video & FB Live Anita Rubio | Operations Manager San Jose, CA........................................408 327-9622 http://www.the-firehouse.org

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

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

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Y/E 2.0 Parenting

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

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Upcoming Events

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Date

Event

Location | Contact Info

February 2020 Every Saturday 9:30am

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

2/21/20 9:00am 1:00pm

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

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

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

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

Every Wednesday morning at 10 AM

March 2020 Every Saturday 9:30am

Every Wednesday morning at 10 AM

106 | Spring 2020 Extended

Date

Event

Location | Contact Info

Every Saturday 9:30am

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

Every Wednesday morning at 10 AM

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

Every Saturday 9:30am

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

Every Wednesday morning at 10 AM

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

April 2020

May 2020

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Date

Event

Location | Contact Info

Every Saturday 9:30am

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

Every Wednesday morning at 10 AM

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

Every Saturday 9:30am

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

Every Wednesday morning at 10 AM

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

June 2020

July 2020

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Date

Event

Location | Contact Info

August 2020

Every Saturday 9:30am

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

Every Wednesday morning at 10 AM

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

September 2020

Every Saturday 9:30am

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

Every Wednesday morning at 10 AM

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

Saturday the 12th 11:00 AM PST

110 | Spring 2020 Extended

Date

Event

Location | Contact Info

October 2020

Every Saturday 9:30am

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

Every Wednesday morning at 10 AM

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

November 2020

Every Saturday 9:30am

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

Every Wednesday morning at 10 AM

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

December 2020

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Choose a Membership Package Get Your Flexible Digital Category Listings

112 | Spring 2020 Extended

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BLACK LIVES MATTER

Small Business Concierge, Silicon Valley Edition, Spring 2020 Extended Power Women Power Secrets

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COVID-19: THE PANDEMIC OF HARDSHIP AND OPPORTUNITIES FOR SMALL BUSINESSES