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<channel>
	<title> &#187; Small Business</title>
	<atom:link href="http://www.sbaloanshack.com/category/small-business/feed" rel="self" type="application/rss+xml" />
	<link>http://www.sbaloanshack.com</link>
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		<title>Resources and tools that will streamline your business process:</title>
		<link>http://www.sbaloanshack.com/resources-and-tools-that-will-streamline-your-business-process</link>
		<comments>http://www.sbaloanshack.com/resources-and-tools-that-will-streamline-your-business-process#comments</comments>
		<pubDate>Thu, 11 Jun 2009 18:28:43 +0000</pubDate>
		<dc:creator>SBA</dc:creator>
				<category><![CDATA[Small Business]]></category>

		<guid isPermaLink="false">http://www.sbaloanshack.com/blog/?p=198</guid>
		<description><![CDATA[Web conferencing is all about making your business and your  people more productive, saving time, money and resources so they can generate  more sales and profits. In keeping with this spirit, here are some other  resources to save your company time.&#160;
Caveat: By mentioning these resources, we are not necessarily  endorsing them [...]]]></description>
			<content:encoded><![CDATA[<p></p><p>Web conferencing is all about making your business and your  people more productive, saving time, money and resources so they can generate  more sales and profits. In keeping with this spirit, here are some other  resources to save your company time.&nbsp;</p>
<p><strong><em>Caveat</em></strong><em>: By mentioning these resources, we are not necessarily  endorsing them or assuming any responsibility for how they deliver their  services, or how well they work for you. Rather, we hope that these resources  will be valuable, and that they will point you in the right direction, and  stimulate new thinking. .</em> </p>
<p>Have you visited Office Depot lately? Through a partnership  with UPS, you can ship UPS right from the store. It may save you a special  trip. Supposedly the rates are the same as UPS store.</p>
<p>Check out <a href="http://www.officedepot.com" target="_blank">www.officedepot.com</a> too.  They really are trying to make things easy for business. You can order printing  and copying services.&nbsp; Don&#8217;t overlook the wonderful online Business Center  resource that provides you with business form templates and advice for starting  and running your business. Click on the first 2 sections on this page. <a href="http://www.officedepot.com/businesscenter.do" target="_blank">http://www.officedepot.com/businesscenter.do</a>&nbsp; There are forms to protect your physical and employee  assets, financial planning and valuation, marketing and business advice, taxes  and much more.&nbsp;</p>
<p>You can simply download the forms, and you&#8217;re ready to go.  It&#8217;s a great starting point, if you want to customize them. The Small Business  Handbook is invaluable for any business to have on hand. It covers everything  you were afraid to ask, and more. It is a great starting point for raising  issues.</p>
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		<title>Hiring Resources:</title>
		<link>http://www.sbaloanshack.com/hiring-resources</link>
		<comments>http://www.sbaloanshack.com/hiring-resources#comments</comments>
		<pubDate>Fri, 05 Jun 2009 17:35:17 +0000</pubDate>
		<dc:creator>SBA</dc:creator>
				<category><![CDATA[Small Business]]></category>

		<guid isPermaLink="false">http://www.sbaloanshack.com/blog/?p=196</guid>
		<description><![CDATA[How do you find good employees? Always a challenge. Most  employers find that employee referrals are often the best source for qualified  candidates. Some even offer a small employee incentive for referrals that are  hired and stay with the firm for 3 months or more. This is great if you don’t  [...]]]></description>
			<content:encoded><![CDATA[<p></p><p>How do you find good employees? Always a challenge. Most  employers find that employee referrals are often the best source for qualified  candidates. Some even offer a small employee incentive for referrals that are  hired and stay with the firm for 3 months or more. This is great if you don’t  have a full time human resources department or limited management time for  interviews, or if you need special skills, really quick.</p>
<p>Here are some other avenues you can try. Your industry trade  association may have an online job board or an email newsletter where you can  post your job opening, for little or no cost. This ensures that you get the  best qualified people, without having to sift through tons of irrelevant  resumes. You may even be able to post the job listing anonymously.</p>
<p>Depending on the nature of the job, you may also find  Craig’s List (<a href="http://www.craigslist.com" target="_blank">www.craigslist.com</a>) to be a great resource, especially for entry level jobs or  to attract a younger workforce, or even for temp positions. Certainly you can  also place a help wanted ad in your local newspaper or community weekly, for a  small fee, which is usually much less than the major daily papers.</p>
<p>There are many online job boards, like <a href="http://www.monster.com" target="_blank">www.monster.com</a>, <a href="http://www.hotjobs.com" target="_blank">www.hotjobs.com</a>, <a href="http://www.dice.com" target="_blank">www.dice.com</a> (for tech jobs), <a href="http://www.hirestrategy.com" target="_blank">www.hirestrategy.com</a>,&nbsp; <a href="http://www.asae.org" target="_blank">www.asae.org</a> and <a href="http://www.idealist.com" target="_blank">www.idealist.com</a> (for association or non-profit jobs). There is usually a  nominal fee for posting jobs to these websites. You can also add a careers or  jobs section to your website.&nbsp;</p>
<p>The trick about hiring is starting with the right job  description. Be specific about the skills you are looking for. Don’t put all  your wish list items in there. If you have budget constraints, put the salary  in the ad. It will save a lot of guesswork and allow candidates to self select.  You will negotiate salary based on skillsets. &nbsp;</p>
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		<title>Quick Software Tricks that Help You Create Brochures, Business Cards and Even Barcodes.</title>
		<link>http://www.sbaloanshack.com/quick-software-tricks-that-help-you-create-brochures-business-cards-and-even-barcodes</link>
		<comments>http://www.sbaloanshack.com/quick-software-tricks-that-help-you-create-brochures-business-cards-and-even-barcodes#comments</comments>
		<pubDate>Wed, 27 May 2009 17:09:45 +0000</pubDate>
		<dc:creator>SBA</dc:creator>
				<category><![CDATA[Small Business]]></category>

		<guid isPermaLink="false">http://www.sbaloanshack.com/blog/?p=191</guid>
		<description><![CDATA[Chances are you haven&#8217;t explored the full breadth of your  software capabilities.
Microsoft Word and desktop publishing software like  Publisher, InDesign, and Pagemaker all have built-in templates for everything  from business cards to brochures.
PowerPoint, a great tool for presentations and  teleconferences, also has stored templates, and allows you to import design  [...]]]></description>
			<content:encoded><![CDATA[<p></p><p>Chances are you haven&#8217;t explored the full breadth of your  software capabilities.</p>
<p>Microsoft Word and desktop publishing software like  Publisher, InDesign, and Pagemaker all have built-in templates for everything  from business cards to brochures.</p>
<p>PowerPoint, a great tool for presentations and  teleconferences, also has stored templates, and allows you to import design  elements and backgrounds.</p>
<p>Microsoft provides free, fun downloadable templates for  parties, dinners, and holiday themes at <a href="http://office.microsoft.com/en-us/templates/default.aspx"> office.microsoft.com/en-us/templates/default.aspx</a></p>
<p>Here is a Microsoft link for a business plan template:</p>
<p><a href="http://www.microsoft.com/mac/resources/templates.aspx?pid=templates" target="_blank">www.microsoft.com/mac/resources/templates.aspx?pid=templates</a></p>
<p>Here is a Microsoft link for great resumes:</p>
<p><a href="http://office.microsoft.com/en-ca/templates/default.aspx">office.microsoft.com/en-ca/templates/default.aspx </a></p>
<p>Another resource you can use is on Office Depot&#8217;s online  Business Center.</p>
<p><a href="http://www.officedepot.com/promo.do?file=/guides/papertemplates/papertemplates_od.jsp" target="_blank">http://www.officedepot.com/promo.do?file=/guides/papertemplates/papertemplates_od.jsp</a></p>
<p>There you will even find templates for balloons, bumper  stickers, index dividers, media, post cards, tent cards, binders, greeting  cards, tickets, and tri-fold brochures. These are a great place to start,  allowing you to customize the design with your stored logo.</p>
<p>Avery labels (<a href="http://www.avery.com" target="_blank">www.avery.com</a>) also provides  printable templates and downloadable easy-to-use Design Pro software.  You  can access all sorts of clipart images. There is also a tool for curved text.  There is easy photo editing software. And something that you rarely find  without special software, the ability to serial numbering and create bar  coding. There is also a feature that makes mail merge easy.</p>
<p>There is no time like the present to get started with these  projects. Search online for templates before you begin. It will help guide you,  ensure there are no key omissions, save you time, and ensure a professional  looking piece.</p>
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		<title>Leveraging the &#8220;Green&#8221; Factor to Your Bottom-Line</title>
		<link>http://www.sbaloanshack.com/leveraging-the-green-factor-to-your-bottom-line</link>
		<comments>http://www.sbaloanshack.com/leveraging-the-green-factor-to-your-bottom-line#comments</comments>
		<pubDate>Mon, 25 May 2009 18:16:11 +0000</pubDate>
		<dc:creator>SBA</dc:creator>
				<category><![CDATA[Small Business]]></category>

		<guid isPermaLink="false">http://www.sbaloanshack.com/blog/?p=189</guid>
		<description><![CDATA[Going &#8220;green&#8221; is big business today. Not only is going &#8220;green&#8221; an  environmentally responsible approach for businesses of all sizes to  take and one that is the current rage, but going &#8220;green&#8221; can leverage  profit dollars to your bottom-line too.  
First, what exactly do we mean by having your business go &#8220;green&#8221;? [...]]]></description>
			<content:encoded><![CDATA[<p></p><p>Going &#8220;green&#8221; is big business today. Not only is going &#8220;green&#8221; an  environmentally responsible approach for businesses of all sizes to  take and one that is the current rage, but going &#8220;green&#8221; can leverage  profit dollars to your bottom-line too.  </p>
<p>First, what exactly do we mean by having your business go &#8220;green&#8221;? When we  talk about &#8220;green&#8221;, we mean making a concerted effort to save our  natural resources concerted action. Actions such as:</p>
<ul>
<li>Saving on paper supplies – consider going digital for all of your internal  office correspondence thereby saving on office supply costs and saving  trees at the same time.</li>
<li>Lowing office energy consumption – lower your thermostat in the winter and  raise it in the summer.  Consider using an electronic programmable  thermostat to lower your energy consumption when people are not in your  office in the evenings and weekends.</li>
<li>Recycling drink bottles – get your employees to sort their lunch trash and  recycle bottles and cans. Encourage the use of environmentally friendly  alternatives to Styrofoam cups.</li>
<li>Using recycled paper &#8211; whenever possible use recycled paper in your print marketing materials saving trees and forests.</li>
<li>Using biodegradable alternatives &#8211; replace plastic packaging and plastic  shipping materials with new biodegradable &#8220;plastic-like&#8221; alternatives.  Many of these new alternatives do not cost more and warrant your  consideration.</li>
<li>Driving less – drive less by consolidating the trips that you do need to make  in your car saving fuel, mileage expenses, and decreasing air pollution  in your city.</li>
<li>Using mass transit or considering car pooling – save money, conserve our  natural resources, and lower air pollution all at the same time.</li>
<li>Buying Energy Star products – when you need new appliances or heating and  cooling systems purchase those with the Energy Star label for increased  efficiency and lower energy consumption.  You’ll recover your initial  investment and then start saving money in just a few years.</li>
<li>Stopping the Use Aerosols – use office and beauty products that are aerosol  free. Consider letting your cleaning staff know to limit the use of  aerosol based cleaning products in your office as well.</li>
<li>Limiting your travel by teleconferencing – not only will you minimize the  pollution you would normally create in traveling but will make a  significant savings on travel expenses improving your bottom-line  significantly. </li>
</ul>
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		<title>The Difference Between Leadership and Management</title>
		<link>http://www.sbaloanshack.com/the-difference-between-leadership-and-management</link>
		<comments>http://www.sbaloanshack.com/the-difference-between-leadership-and-management#comments</comments>
		<pubDate>Fri, 24 Apr 2009 14:34:06 +0000</pubDate>
		<dc:creator>SBA</dc:creator>
				<category><![CDATA[Small Business]]></category>

		<guid isPermaLink="false">http://www.sbaloanshack.com/blog/?p=185</guid>
		<description><![CDATA[The  biggest mistake many business people make is to assume that, because they are  the boss or the head of a department, they know what they need to in order to  manage people effectively. This is just not true.  And although managers and leaders do require  many of the same skill [...]]]></description>
			<content:encoded><![CDATA[<p></p><p>The  biggest mistake many business people make is to assume that, because they are  the boss or the head of a department, they know what they need to in order to  manage people effectively. This is just not true.  And although managers and leaders do require  many of the same skill sets, the training required to be proficient at either  leadership or management (or both) is quite different.</p>
<p>These  basic skill sets are vital to managers:</p>
<ul>
<li>Can this individual build rapport?</li>
<li>Can they set goals?</li>
<li>Can they give honest constructive  feedback?</li>
<li>Can they make the tough decisions?</li>
</ul>
<p>And  this is just the tip of the iceberg of skills required of good managers.  However, adding anything more to the list would be foolish unless it is  customized to a particular industry or business. </p>
<p>How  to do that? Sit down and brainstorm a list of tasks that are absolutely  necessary to manage employees working for your particular company or industry. </p>
<p>After  that, the most important step toward becoming a bona fide manager is to change  your mindset, because even though you are a leader, this does not mean you are  going to manage people well. </p>
<p>Thus  ask yourself what management styles you&#8217;ve experienced in your work history.  Which of those styles have you relied on the most to manage? Is it the best  choice? If you want to know the best management style, why not do some  research? Why not read some book about being a manager? See how these books  mesh with your management style. There are multiple management styles out  there, so make sure you take a look around before picking the one that you  intend to follow. Some managers focus on an employee&#8217;s weakness, sure that  their weakest point will be trained to be their strength, and some deal only  with an employee&#8217;s strengths, sure that the greatest growth will come from  there. </p>
<p>It&#8217;s  a matter of perspective and more than likely, dependent on the industry in  which your company does business. Specialized jobs require strong skill sets,  which are then utilized most effectively. Less-specialized jobs can take an  employee&#8217;s weakness and train it into their greatest strength. </p>
<p>At  any rate, business owners who neglect quality management training for  themselves or those they hire to manage employees do so at their peril.  Management is an art, and in the past few decades, has become somewhat of a  scientific endeavor. There are many best practice textbooks available and even  more different management styles to choose from.</p>
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		<title>Deflating Desk Rage</title>
		<link>http://www.sbaloanshack.com/deflating-desk-rage</link>
		<comments>http://www.sbaloanshack.com/deflating-desk-rage#comments</comments>
		<pubDate>Tue, 27 Jan 2009 16:15:38 +0000</pubDate>
		<dc:creator>SBA</dc:creator>
				<category><![CDATA[Small Business]]></category>

		<guid isPermaLink="false">http://www.sbaloanshack.com/blog/?p=164</guid>
		<description><![CDATA[Work  can be hard… that&#8217;s why they call it &#34;work.&#34;   Employees are not just drones that live to work, they are people that  work to live.  People have personal lives  and personal problems.  People have work  problems or personal problems with work.   There are many, [...]]]></description>
			<content:encoded><![CDATA[<p></p><p>Work  can be hard… that&#8217;s why they call it &quot;work.&quot;   Employees are not just drones that live to work, they are people that  work to live.  People have personal lives  and personal problems.  People have work  problems or personal problems with work.   There are many, many things in life that get a person down or raise  their anger, but what do you do when they explode in the office?</p>
<p>&quot;Desk  rage&quot; is not uncommon and not a new problem.   For as long as people have had to work and had problems, there has been  desk rage in one form or another.  If you  ever wondered why people may tend to lose their cool at work, think about how  they spend their day.  They are in the  office for 8 to 10 hours and they spend 1 to 2 in traffic.  The remaining 12 to 14 hours is spent at home  and over half that time they&#8217;re asleep.</p>
<p>When  desk rage occurs, it is easy to lose your cool yourself, but if you do it  right, you can change a bad situation into a beneficial one; for the employee,  the company, and you.  From &quot;Ask Annie&quot;  at <a href="http://www.fortune.com/">Fortune Magazine</a>, the first step is to <a href="http://money.cnn.com/2008/09/17/news/economy/desk_rage.fortune/index.htm">blank  out your own emotions</a>.  Dismiss your  fear or anger and realize that it&#8217;s about the upset employee, not you.  An article at <a href="http://www.cnn.com/">CNN</a> suggests that next you <a href="http://www.cnn.com/2004/US/Careers/08/13/boss.spying/index.html">consider  what may have caused the outburst</a>.  </p>
<p>Ask  Annie says next you need to listen to the employee.  Don&#8217;t argue or pass judgment, just let them  talk it out.  Often, when the employee  says what&#8217;s bothering them aloud, they realize that it&#8217;s not as bad as they  thought – that or something else is actually the problem.  Finally, repeat what they said without any  comments on your part.  Let them know  that you have listened to them and understand their frustration.</p>
<p>An  outburst from a stressed employee having a bad day is not the end of the  world.  However, if you often have anger  issues coming from this employee, deeper measures should be taken.  Talk with them in private and find out why  they are so angry.  Adjust their  workplace environment if that is needed.   If anger problems continue to publically exist though, you need provide  an ultimatum.  If the employee can&#8217;t calm  down, they can&#8217;t work there.  Remember,  you have to keep the rest of your employees&#8217; sanity in mind too.</p>
]]></content:encoded>
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		<title>Local Small Business Hospice</title>
		<link>http://www.sbaloanshack.com/local-small-business-hospice</link>
		<comments>http://www.sbaloanshack.com/local-small-business-hospice#comments</comments>
		<pubDate>Mon, 19 Jan 2009 06:33:41 +0000</pubDate>
		<dc:creator>SBA</dc:creator>
				<category><![CDATA[Small Business]]></category>

		<guid isPermaLink="false">http://www.sbaloanshack.com/blog/?p=162</guid>
		<description><![CDATA[Dr. Brian Byrd started a Fort Worth Hospice service in 2006.  Dr.
Byrd started his hospice from the ground up and fits in the category
of a small business.  He employs less than 50 people and is growing
through word of mouth and referrals.  If you ever are in the
unfortunate need of this service he [...]]]></description>
			<content:encoded><![CDATA[<p></p><p>Dr. Brian Byrd started a <a href="http://www.texashospice.com">Fort Worth Hospice</a> service in 2006.  Dr.<br />
Byrd started his hospice from the ground up and fits in the category<br />
of a small business.  He employs less than 50 people and is growing<br />
through word of mouth and referrals.  If you ever are in the<br />
unfortunate need of this service he is great and takes a hands on<br />
approach with each of his patients.  The main focus of his service<br />
is to provide comfort, support and compassion for every patient and<br />
their families. </p>
]]></content:encoded>
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		<title>Attitudes for Success</title>
		<link>http://www.sbaloanshack.com/attitudes-for-success</link>
		<comments>http://www.sbaloanshack.com/attitudes-for-success#comments</comments>
		<pubDate>Fri, 16 Jan 2009 16:08:11 +0000</pubDate>
		<dc:creator>SBA</dc:creator>
				<category><![CDATA[Small Business]]></category>

		<guid isPermaLink="false">http://www.sbaloanshack.com/blog/?p=160</guid>
		<description><![CDATA[Business  is not just about cold hard facts, numbers, or cash.  It&#8217;s a people industry, both on the seller  and buyer side.  This means that emotions  and the human factor can upset even the most detailed and thorough budget.  Like a business plan focusing your business,  here are [...]]]></description>
			<content:encoded><![CDATA[<p></p><p>Business  is not just about cold hard facts, numbers, or cash.  It&#8217;s a people industry, both on the seller  and buyer side.  This means that emotions  and the human factor can upset even the most detailed and thorough budget.  Like a business plan focusing your business,  here are three attitudes the business owner can take to guide their company to  success.</p>
<p>Ken  Partini is an Authorized Duct Tape Marketing Coach, and on the <a href="http://blogs.openforum.com/">American Express Open Forum</a>, he lists  the three attitudes for business success.   The first <a href="http://blogs.openforum.com/2008/12/24/3-things-every-small-business-owner-needs-to-survive-and-thrive/">attitude  to survive and thrive</a> is to have clarity about your business.  This means you need to be honest and clear  who your target market is, what your products are, and how good a match the  latter is for the former.  You need to have  clarity with your goals.  Are they  actually attainable or pipe-dreams?   Honesty helps you to concentrate on what your business can do, not what  you want it to do.</p>
<p>Certainty  is the next attitude to cultivate.   You&#8217;ve been clear about your goals, now use that honesty to be certain  you can achieve them.  Certainty breeds  confidence.  Confidence is needed when  you get rejections from banks, or people saying you will fail.  Certainty keeps you on the clear path to  business success.</p>
<p>Finally,  focus your attention and energy.  It  won&#8217;t do you or your company any good to be distracted, or divert from your  clear and certain plan.  Follow through  on your business path and go after the correct target market with the  appropriate products.  Don&#8217;t suddenly put  all your efforts into a side project or deal.   You can&#8217;t start five new things when you haven&#8217;t finished the original  one… and still be successful, that is.</p>
<p>Be  clear about your goals and use that clarity to create a great business  plan.  Have confidence in your plan and  stay focused on your goals.  Use these  attitudes to guide you through good times and bad.</p>
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		<title>The Purpose of Cash Reserves</title>
		<link>http://www.sbaloanshack.com/the-purpose-of-cash-reserves</link>
		<comments>http://www.sbaloanshack.com/the-purpose-of-cash-reserves#comments</comments>
		<pubDate>Fri, 02 Jan 2009 19:36:23 +0000</pubDate>
		<dc:creator>SBA</dc:creator>
				<category><![CDATA[Small Business]]></category>

		<guid isPermaLink="false">http://www.sbaloanshack.com/blog/?p=156</guid>
		<description><![CDATA[The  point of a business is to make money.  To  do that, first you have to spend money.   After expenses, it&#8217;s all profit, right?   No, you have to set some aside to reinvest into your business.  It&#8217;s payday now?  Nope, don&#8217;t forget your cash reserves..
Cash  [...]]]></description>
			<content:encoded><![CDATA[<p></p><p>The  point of a business is to make money.  To  do that, first you have to spend money.   After expenses, it&#8217;s all profit, right?   No, you have to set some aside to reinvest into your business.  It&#8217;s payday now?  Nope, don&#8217;t forget your cash reserves..</p>
<p>Cash  reserves are usually called the &quot;rainy day&quot; fund.  But it&#8217;s doesn&#8217;t have to be raining outside…  it doesn&#8217;t even have to be drizzling.   The Belmont University blogs features <a href="http://www.drjeffcornwall.com/" target="_blank">Jeff Cornwall&#8217;s</a> post on the <a href="http://www.drjeffcornwall.com/2008/12/managing-cash-effectively-with.html" target="_blank">effective  and proper use of cash reserves</a>.</p>
<p>There  are four main times when you should use your cash reserves, and Cornwall  describes them as four separate pools of cash with four distinct purposes.  The first is money to be used for irregular  expenses such as quarterly taxes, or large marketing campaigns.  These are expenses that are off-budget, but crucial.</p>
<p>The  second cash pool is to shore up your cash flow.   In a perfect world, money would come in and go out in a smooth  predictable path.  As it is, there are  good months and bad months, not to mention seasonal rushes.  Use this part of your cash reserves to hit  your minimums in the months your flow is low.</p>
<p>The  third pool is the emergency fund.  This  monsoon-day fund is for when you lose a big customer, have a major accident, or  some other calamity.  The fund should be  large enough to cover the day-to-day expenses for a month.</p>
<p>Finally,  the last part of your cash reserves is the designated &quot;war chest&quot;.  This is what you use when you see a great,  but time-sensitive real estate opportunity.   Or if a competitor is on the ropes, you can swoop in to buy up  inventory.  Basically, if that  once-in-a-blue-moon opportunity comes along, you&#8217;ll have the cash on hand to  capitalize on it.</p>
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		<title>Step Up to Opportunity</title>
		<link>http://www.sbaloanshack.com/step-up-to-opportunity</link>
		<comments>http://www.sbaloanshack.com/step-up-to-opportunity#comments</comments>
		<pubDate>Tue, 30 Dec 2008 19:00:45 +0000</pubDate>
		<dc:creator>SBA</dc:creator>
				<category><![CDATA[Small Business]]></category>

		<guid isPermaLink="false">http://www.sbaloanshack.com/blog/?p=147</guid>
		<description><![CDATA[Could  you ever imagine that either Circuit City or The Sharper Image could go out of  business?  They had a great business  plan, growth, and staying power, and yet they got caught on their back foot  when the economic crisis hit.  Now banks  are cowering and licking their [...]]]></description>
			<content:encoded><![CDATA[<p></p><p>Could  you ever imagine that either Circuit City or The Sharper Image could go out of  business?  They had a great business  plan, growth, and staying power, and yet they got caught on their back foot  when the economic crisis hit.  Now banks  are cowering and licking their wounds, while huge companies do damage control –  if not hitting the mat and being counted out.</p>
<p>As  a small business owner, it&#8217;s scary.   These great companies are reeling all around you, what does that say for  the future of your company?  Take a look  around.  People are still going to  work.  Products and services are still  being purchased.  Business is still being  done.  It could be said that the  corporations hit hardest by the credit crunch were damaged the most because of  their own hubris.  But you and your  business didn&#8217;t have hubris, did it?</p>
<p>What  this means is that opportunity – that shy, golden-haired power-broker – is out  and about, knocking on doors.  To quote <a href="http://www.smallbiztrends.com/2008/12/do-you-hear-that-banging.html/" target="_blank">Diane  Helbig</a>, &quot;Folks, this is really the time for small business to seize the day  and shine!&quot;  Think about it, people still  want to buy the products and services that big companies can&#8217;t, or are pulling  back from producing.  Where are they  going to go if they can&#8217;t go to Circuit City?   Okay, they would go to Best Buy, bad example… maybe.  What if you had an electronics store between  those two megaliths?  Is there any reason  why you couldn&#8217;t snag some former Circuit City customers?</p>
<p>Now  is the time to forge, enhance, and solidify relationships with customers  disgruntled with the big boys.  Talk with  them.  Find out their wants and needs,  then make them happen.  Your customers  will appreciate you helping them in these tough times and remember you when  things get better.</p>
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