วันเสาร์ที่ 30 มิถุนายน พ.ศ. 2555

Fourth of July History, Fun Facts, Fireworks Information, and Safety Tips

July 4th is Independence Day, an American holiday that celebrates the adoption of the Declaration of the Independence on July 4th, 1776. 


Did you know that the estimated population of the United States was 2.5 million people in July of 1776?  This July 4th, the estimated population of the U.S. is 313.9 million people.  Learn more fun facts and history about the fourth of July holiday at USA.gov.

 

 

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How to Find Government Help After a Disaster

If you've been affected by recent natural disasters, resources are available to help you recover from fire or flood damage.  Visit USA.gov for current disaster recovery information, like how to apply for disaster assistance, and information to help you recover and rebuild.

 

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Get Help With Your Finances - Order Your Free Copy of the Consumer Action Handbook

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Help for Difficult Financial Times

If you're feeling uncertain about your finances, the Consumer Action Handbook is the place to find answers to your questions about credit cards, bank accounts and managing debt. Learn to create a smart money management plan, get a handle on your finances, and successfully file a complaint with a company.

You can order FREE copies of the Consumer Action Handbook and its Spanish-language counterpart, the Guia del Consumidor, or you can read the handbook online as a PDF.


For more resources on helping your family cope with financial challenges, check out Help for Difficult Financial Times.


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วันศุกร์ที่ 29 มิถุนายน พ.ศ. 2555

SBA June Newsletter - San Diego District Office

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June 2012

San Diego District Office Newsletter

Brought to you by the U.S. Small Business Administration

SBA Success Story

Biotech Company Grows Faster with the Help of SBA Programs

Hevré Le Calvez, Ph.D., Founder and CEO, of Abbiotec, LLC, a biotech company developing life science tools for the research market, started his business in 2007.  He was well prepared with a Ph.D. in Cellular Biology and Microbiology (1994) and several years of research and biotech experience, with companies such as The Burnham Institute, Active Motif, LLC and Abgent, Inc.  However, he decided he could use some help on the business side, so he sought guidance from SCORE - Counselors to America's Small Business. The counselors at SCORE helped him to set-up the business, provided training through a couple of financial workshops and assisted him in getting an SBA 7(a) loan for $413,000, from Seacoast Commerce Bank.  As an ongoing SCORE client, Le Calvez utilizes the wealth of business knowledge available through the counselors to help him successfully grow Abbiotec™.

SBA Simplifies Online Disaster Loan Application

Applying for disaster recovery assistance from the U.S. Small Business Administration just got easier thanks to revisions made to its electronic loan application, significantly reducing the number of screens an applicant must read while filling out the form. 
 "Our goal is to provide support for those rebuilding after a disaster, and we wanted to make the process more user-friendly," said SBA Administrator Karen G. Mills.  "Whether it's a hurricane, tornado, earthquake or devastating flood, the SBA can step in to help communities get back on their feet by providing access to both home and business recovery disaster loans.  To make the loan application process more streamlined and simplified, we have taken a different approach with the online applications.  This improvement will make those first steps toward recovery more convenient."

The new online application is easier to read, and users will spend less time filling out the form.

Event Photos

Photo: Ruben Garcia, Congresswoman Susan Davis and Julie Talley
Left to Right: Ruben Garcia, SBA District Director, San Diego; Congresswoman Susan Davis and Julie Talley, SBA Lead Economic Development Specialist, San Diego, at an annual congressional SBA district update meeting.

Photo: Ruben Garcia, Gary Peterson, and Jake Fishman
Left to Right: Ruben Garcia, SBA District Director, San Diego; Gary Peterson, Pres./CEO, Gapcon.com and Jake Fishman, Senior Analyst, Gapcon.com at the Gapcon convention and conference in Mission Valley.

Photo: Michael Camuñez, Anthony Wayne, Ruben Garcia and Thomas Topuzes
Left to Right: Michael Camuñez, Assistant Secretary, U S Dept of Commerce; U S Ambassador to Mexico, Anthony Wayne; Ruben Garcia, SBA District Director, San Diego and Thomas Topuzes, Pres./CEO, Thomas Topuzes & Associates, LLC

Photo: Lorise Maynard, Ruben Garcia and Emily Yanushka
Ruben Garcia, SBA District Director, San Diego, with Lorise Maynard, Public Affairs (Left) and Emily Yanushka, Program Manager (Right), Small Contractor Outreach and Opportunities Program (SCOOP) San Diego County Water Authority at a SCOOP Committee Meeting.
Note: After 18 years with the San Diego County Water Authority, Lorise Maynard is retiring, on June 29th. We wish her a very happy retirement!

Photo: Executives from San Diego Private Bank and SBA San Diego District Office
Left to Right: Jennifer Fairbanks, Loan Officer and Frank Mercardante, CEO, San Diego Private Bank; Maria Hughes, Lender Relations Specialist and Anthony Vigil, Deputy District Director, SBA San Diego; Michael Valenti, SVP-SBA Div. Mgr. and Brian McClendon, SVP-SBA Reg. Sales Mgr., San Diego Private Bank, and Ruben Garcia, District Director, SBA San Diego. Welcome San Diego Private Bank! Our newest SBA lender in San Diego County.

Join us at the SBDC Grow Biz Conference and Small Business Awards Luncheon

Friday, August 17, 2012, 8:00 a.m. - 1:30 p.m.
DoubleTree Hotel - Mission Valley
7450 Hazard Center Drive
San Diego, CA 92108
Register in advance $49/$69 at door
(Includes the GrowBiz Workshop Track 8:00 a.m. - 11:30 a.m. and Luncheon 11:30 a.m. - 1:30 p.m.)
Register at www.growmybiz.org or call 619-482-6388.
Details coming soon.

Free Disaster Preparedness Webinar

July 10, 2012

What Are the Top Five Disaster Risks to Small Businesses?
Tips on Mitigating Threats Shared at Free Webinar
Hosted by SBA and Agility Recovery
Small businesses are particularly vulnerable to losses caused by natural disaster, cyberattacks, and – on a smaller scale – structural failure due to random events like faulty sprinkler systems or localized fires.
One of the first steps in creating a business continuity plan involves assessing risk.  Join Agility Recovery and the U.S. Small Business Administration in a live online discussion on Tuesday, July 10 to learn how to protect your business from the risks that could force you to close your doors for good.   
SBA has partnered with Agility to offer business continuity strategies at its "PrepareMyBusiness" website. Visit www.preparemybusiness.org to access past webinars and get additional preparedness tips.
The SBA provides disaster recovery assistance in the form of low-interest loans to homeowners, renters, private nonprofits and businesses of all sizes. To learn more, visit www.sba.gov/disaster.
A presentation followed by a question and answer session.
Tuesday, July 10, 2012 -- 11:00 a.m. to 12:00 p.m. PDT

Tuesday, July 17, 2012

Computer Security is Good Business Workshop

Register Here

August 23-25, 2012

V-Wise Conference for Women Veterans


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Consejos para detectar y protegerse del fraude, en GobiernoUSA.gov

Sepa cómo reconocer las estafas más comunes

Ayuda para superar dificultades económicas

 

 


Muchos estafadores se aprovechan de las personas que atraviesan momentos personales difíciles o tienen necesidades económicas y que por estas circunstancias toman decisiones o riesgos que no tomarían normalmente.

Visite nuestra página Detección de fraudes, estafas y robo de identidad (http://www.usa.gov/gobiernousa/Consumidor/Fraude.shtml) y aprenda a identificar y evitar las estafas, incluyendo el robo de identidad. 



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The Bankruptcy Process Explained

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Help for Difficult Financial Times

Declaring personal bankruptcy is often a last resort option for debt management. If you declare bankruptcy, you are granted a court order saying you don’t have to pay off certain debts.

However, the effects of filing for bankruptcy are long-lasting. It stays on your credit report for 10 years and can make it hard to get a line of credit, buy a home, or sometimes even get a job.

The U.S. Courts put together a video series explaining the bankruptcy process, the relief it offers and how to find legal help you might need. If you’re considering filing for bankruptcy, these videos could help you understand what’s involved.

Learn more about what's involved in filing for bankruptcy.


For more resources on helping your family cope with financial challenges, check out Help for Difficult Financial Times.


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