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	<title>Santa Fe Chamber Blog</title>
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	<link>http://santafechamberblog.com</link>
	<description>News about business in Santa Fe NM</description>
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		<title>Chamber rap</title>
		<link>http://santafechamberblog.com/chamber-rap/</link>
		<comments>http://santafechamberblog.com/chamber-rap/#comments</comments>
		<pubDate>Fri, 05 Mar 2010 22:15:59 +0000</pubDate>
		<dc:creator>SimonBrackley</dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://santafechamberblog.com/?p=193</guid>
		<description><![CDATA[Chamber Rap
]]></description>
			<content:encoded><![CDATA[<p><a href="http://www.youtube.com/watch?v=3zZKZd9l8mA">Chamber Rap</a></p>
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		<title>New study shows chamber of commerce members offer safer bet when it comes to business credit risk</title>
		<link>http://santafechamberblog.com/new-study-shows-chamber-of-commerce-members-offer-safer-bet-when-it-comes-to-business-credit-risk/</link>
		<comments>http://santafechamberblog.com/new-study-shows-chamber-of-commerce-members-offer-safer-bet-when-it-comes-to-business-credit-risk/#comments</comments>
		<pubDate>Wed, 24 Feb 2010 22:55:03 +0000</pubDate>
		<dc:creator>SimonBrackley</dc:creator>
				<category><![CDATA[Business]]></category>
		<category><![CDATA[ACCE]]></category>
		<category><![CDATA[business issues]]></category>

		<guid isPermaLink="false">http://santafechamberblog.com/?p=188</guid>
		<description><![CDATA[The American Chamber  of Commerce Executives (ACCE) today announced the publication of a  new study detailing the credit scores and payment behavior of ten  local chambers of commerce across the United States, comparing their  member businesses with other regional, state and national business  averages.  Produced by Cortera™, a  community-driven [...]]]></description>
			<content:encoded><![CDATA[<p>The <a href="http://www.acce.org/">American Chamber  of Commerce Executives (ACCE)</a> today announced the publication of <a href="http://www.acce.org/uploadedFiles/Research_and_Benchmarking/ACCE-Cortera%20Study.pdf">a  new study</a> detailing the credit scores and payment behavior of ten  local chambers of commerce across the United States, comparing their  member businesses with other regional, state and national business  averages.  Produced by <a href="http://www.cortera.com/">Cortera</a>™, a  community-driven business credit bureau, on behalf of ACCE, the study  includes the Bowling Green (KY) Area Chamber of Commerce, Greater Boca  Raton (FL) Chamber of Commerce, Greater Durham (NC) Chamber of Commerce,  Greater Omaha (NE) Chamber of Commerce, Helena (MT) Area Chamber of  Commerce, Lake Champlain (VT) Regional Chamber of Commerce, Lubbock (TX)  Chamber of Commerce, Salem (OR) Area Chamber of Commerce, San Diego  (CA) Regional Chamber of Commerce, and Tulsa (OK) Metro Chamber.   According to the study, chamber of commerce members possess an average  credit score of 629, compared to a 557 average score for businesses at  large.  Such scores – the payment behavior from which they are derived  &#8212; play a significant role in attracting lines of credit and securing  favorable terms from lenders and suppliers.</p>
<p>A  complete copy of the study, which includes both the aggregate findings,  as well as the individual commercial credit scores for each of the ten  local chambers, is available on the <a href="http://www.acce.org/uploadedFiles/Research_and_Benchmarking/ACCE-Cortera%20Study.pdf">ACCE</a> and Cortera sites.  The study was contracted by ACCE and performed by  Cortera, which reviewed payment behavior for chamber member businesses.</p>
<p>&#8220;Chamber members have long been seen as responsible  and reliable members of their community,&#8221; said Mick Fleming, president  and CEO of ACCE.  &#8220;What this study indicates is that the perception is  right.  From a credit standpoint, chamber members on average are better  businesses, and as a result they have significant advantages in  obtaining the funds they need.  In this economy and the tight credit  environment we are experiencing, that&#8217;s especially important.&#8221;</p>
<p>“The economic health of the entire supply chain is  dependent on the payment behavior of each of its stakeholders,” said Jim  Swift, president and CEO of Cortera. “This study suggests that chamber  members are among the most dependable participants in this ecosystem.”</p>
<p><strong>About</strong> <strong>the American Chamber of Commerce  Executives</strong></p>
<p><em>Established in 1914, ACCE is  the only national association serving the professional development needs  of chamber professionals throughout the United States and Canada.  Representing more than 7,300 individuals, ACCE enhances the knowledge,  leadership skills, and management effectiveness of chamber executives  and their staff through education, benefits programs, trend analysis,  benchmarking, and network development. ACCE promotes the highest  standards of professional excellence and integrity within the chamber  profession.</em></p>
<p><strong>About Cortera</strong></p>
<p>In a sea of business information providers, Cortera is  different. With over 15 years of experience serving finance  professionals, Cortera combines premium business information and  innovative tools with a fresh community approach to commercial credit.   It represents the first community for small business credit reporting  and a fundamentally new way to capture the collective insight of  millions of financial transactions. As a result, small businesses can  make smarter, informed decisions to ensure optimal cash flow while  attracting more favorable payment terms from existing and potential  business partners. Free credit reports on millions of businesses are  available at <a href="http://start.cortera.com/">http://start.cortera.com</a>.</p>
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		<title>Chamber Membership Pays Off for Business</title>
		<link>http://santafechamberblog.com/chamber-membership-pays-off-for-business/</link>
		<comments>http://santafechamberblog.com/chamber-membership-pays-off-for-business/#comments</comments>
		<pubDate>Wed, 10 Feb 2010 18:29:58 +0000</pubDate>
		<dc:creator>SimonBrackley</dc:creator>
				<category><![CDATA[Business]]></category>

		<guid isPermaLink="false">http://santafechamberblog.com/?p=184</guid>
		<description><![CDATA[A new study reveals that membership in a local chamber of commerce can significantly boost a business’s image among consumers, as well as among other businesses.  In a scientific survey of 2000 U.S. adults, The Schapiro Group, an Atlanta-based strategic consulting firm, found positive perceptions of chamber members in a number of areas, including overall [...]]]></description>
			<content:encoded><![CDATA[<p>A new study reveals that membership in a local chamber of commerce can significantly boost a business’s image among consumers, as well as among other businesses.  In a scientific survey of 2000 U.S. adults, The Schapiro Group, an Atlanta-based strategic consulting firm, found positive perceptions of chamber members in a number of areas, including overall favorability, consumer awareness and reputation, and likelihood of future patronage.</p>
<div>
<p><a href="http://www.northcentralmass.com/files/Schapiro_Group_ACCE_Report.pdf">Click here to view the Chamber Study</a></p>
<p>The study, commissioned by the <a href="http://www.acce.org/">American Chamber of Commerce Executives</a> (ACCE), IBM, Administaff, Small Business Network, Inc., and Market Street Services, showed that when respondents were told that a particular small business was a member of its local chamber, they were 44 percent more likely to rate it favorably than study respondents who were not told of the chamber affiliation. Respondents were also 63 percent more likely to want to purchase goods or services from a small business that is a chamber member.</p>
</div>
<p>“We discovered that informing someone about a company’s chamber membership opens the door to substantial increases positive perceptions of that business,” said Alex Trouteaud, Ph.D., senior strategist for The Schapiro Group. “There clearly is a feeling by our respondents that chamber membership is synonymous with quality and desirability.”</p>
<p>To tap into this reservoir of goodwill, a small business should not only join the local chamber of commerce and participate, but also make sure consumers and other businesses are aware of that chamber affiliation.</p>
<p>The positive impact of perceived chamber membership is felt by big businesses, too.  For example, when consumers believed that a restaurant chain was a member of the local chamber of commerce, they were 40 percent more likely to eat at the franchise in the future.  And if a consumer believed that one of the major automobile manufacturers was a member of its local chamber, that consumer was 9 percent more likely to consider purchasing his or her next car from that automaker.</p>
<p>“This study reinforces research done in 2005 about the perceived capacity of chambers to lead businesses and lead communities,” said Mick Fleming, president of the American Chamber of Commerce Executives (ACCE).  “These new national findings point to even more direct benefits for companies willing to be stakeholders in their local chamber.”</p>
<p>The study results had good news for chambers themselves, where 82 percent of respondents indicated that a local chamber of commerce “creates jobs and promotes economic development.”</p>
<p>“The message from this national study is as simple as it is ground-breaking,” said Jim Blasingame, small business expert and president of Small Business Network, Inc. “Join your local chamber, be an active participant in your chamber’s programs and be sure to let your customers and prospects know you’re a proud chamber supporter when they come in your business and when they see your marketing material.”</p>
<p>J. Mac Holladay, CEO of Market Street Services, an economic development consulting firm based in Atlanta that helped create the study, said, “It is refreshing to learn what we have suspected for years &#8212; that chamber membership and community involvement are good investments.”</p>
<p><a href="http://www.northcentralmass.com/files/Schapiro_Group_ACCE_Report.pdf">Click here to view the Chamber Study</a></p>
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		<title>From the President&#8217;s Desk Jan. 2010</title>
		<link>http://santafechamberblog.com/pres-desk/</link>
		<comments>http://santafechamberblog.com/pres-desk/#comments</comments>
		<pubDate>Tue, 05 Jan 2010 23:59:10 +0000</pubDate>
		<dc:creator>SimonBrackley</dc:creator>
				<category><![CDATA[Business]]></category>
		<category><![CDATA[Chamber events]]></category>
		<category><![CDATA[Santa Fe]]></category>
		<category><![CDATA[business issues]]></category>
		<category><![CDATA[facebook]]></category>
		<category><![CDATA[Santa Fe Business]]></category>
		<category><![CDATA[Santa Fe Chamber of Commerce]]></category>
		<category><![CDATA[social networking]]></category>
		<category><![CDATA[trade mission]]></category>

		<guid isPermaLink="false">http://santafechamberblog.com/?p=178</guid>
		<description><![CDATA[From the President’s Desk
A very Happy and Prosperous 2010 from all of us at the Santa Fe Chamber of Commerce to you, your friends and family. This year will undoubtedly be challenging and the Chamber is committed to strong leadership of the business community and continuing to endorse and promote issues that affect your business.
Thank [...]]]></description>
			<content:encoded><![CDATA[<p><strong>From the President’s Desk</strong></p>
<p>A very <strong>Happy and Prosperous 2010 from all of us at the Santa Fe Chamber of Commerce</strong> to you, your friends and family. This year will undoubtedly be challenging and the Chamber is committed to strong leadership of the business community and continuing to endorse and promote issues that affect your business.</p>
<p><strong>Thank you</strong> to all our wonderful volunteers, sponsors and supporters who give so much time, resources and energy to the Chamber and local business.</p>
<p>Immediately upcoming we will be hosting the <strong><a href="http://santafenmcoc.weblinkconnect.com/CWT/External/WCPages/WCEvents/EventDetail.aspx?EventID=253">2010 Legislative Reception</a></strong> at the Convention Center on January 25. Tickets are now available.</p>
<p>We are now preparing the <strong>2010 calendar of Chamber events</strong>. If you would like to host, sponsor or partner with the Chamber, please <a href="mailto:lacie@santafechamber.com">email Lacie</a> for information.</p>
<p>The Chamber’s Government Affairs Committee is working on the <strong>2010 Legislative Agenda. </strong><a href="http://santafenmcoc.weblinkconnect.com/CWT/External/WCPages/WCNews/NewsArticleDisplay.aspx?ArticleID=94">Read a draft here</a>.</p>
<p>The Committee is also hosting a <strong>Candidates Forum</strong> in preparation for the March 4 City mayoral and council election. The Forum will be held at Collected Works Bookstore on February 18<sup>th</sup> at 5:30pm. All are welcome</p>
<p>If you would like to learn more about <strong>Chamber committees</strong> and their programs, please <a href="mailto:marilyn@santafechamber.com">contact Marilyn Blessie</a>.</p>
<p>Read the <strong>Chamber’s blog</strong> <a href="../">here</a>. Also please friend the Chamber on <a href="http://www.facebook.com/">Facebook</a>.</p>
<p>Listen to business issues and member businesses on Business Matters the <strong>Chamber’s radio show</strong> on <a href="http://www.huttonbroadcasting.com/Web_Media_Kit/Talk1260.html">Talk 1260 KTRC</a> every Sunday morning at 10 am.</p>
<p>We have a few spaces still available for the April 23 – May 6, 2010 Chamber <strong><a href="http://www.santafechamber.com/data/sfchamber_thailand2010_14day.pdf">Trade Mission to Thailand</a></strong>. Contact <a href="mailto:kathy@santafechamber.com">Kathi Odell</a> for information.</p>
<p><strong>Confidential business assistance is available free</strong> to all Santa   Fe businesses from <a href="mailto:val@santafechamber.com">Val Alonzo</a>, the Chamber Business Development Director.</p>
<p>The Chamber is pleased to <strong>welcome air travelers to Santa Fe (SAF)</strong> on <a href="http://www.aa.com/homePage.do">American Eagle Airlines</a> from Dallas (DFW) and Los Angeles (LAX). We are also advocating for direct daily air service to Denver (DIA).</p>
<p>The Class of 2010 of <strong><a href="http://www.leadershipsantafe.org/">Leadership Santa Fe</a></strong> is already half way through the program and the participants are doing great work learning about personal skills, community issues and preparing to lead us into the future.</p>
<p>Remember to read the <strong>Chamber’s Business Advocate</strong> newsletter on the first Tuesday of each month in the <a href="http://www.sfnewmexican.com/">Santa Fe New Mexican</a>.</p>
<p>Read an opinion piece from the Chamber about <strong>job creation</strong> <a href="http://www.santafenewmexican.com/Opinion/My-View-Creating-jobs-must-be-priority">HERE.</a></p>
<p>Keeping your purchases in Santa Fe helps to create jobs and taxes and prosperity for all Santa Feans. <strong><a href="http://santafebiz.org/?page_id=138">Santa Fe &#8211; Buy Into It!</a></strong></p>
<p>The Chamber’s website has a complete list of <strong><a href="http://www.santafechamber.com/resources/index.asp">local business resources</a></strong>.</p>
<p>To help the Chamber and local businesspeople <strong>mentor local students</strong> contact <a href="mailto:lacie@santafechamber.com">Lacie Mackey</a> for more information.</p>
<p>Mark your calendars for <a href="http://santafe.newmexicorestaurantweek.com/">Santa Fe Restaurant Week</a> from February 28th to March 6th, 2010.</p>
<p>Partnering with the Chamber is the best way that you can invest in the local business community Please <a href="mailto:simon@santafechamber.com">contact me</a> at any time with questions, suggestions or observations.</p>
<p>Best wishes for a great 2010.</p>
<p>Simon Brackley</p>
<p>President and CEO</p>
<p>Santa Fe Chamber of Commerce</p>
<p>505-988-3279</p>
<p>﻿</p>
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		<title>Five Reasons This is the Best Time to Join the Chamber of Commerce By Glen Gould</title>
		<link>http://santafechamberblog.com/five-reasons-this-is-the-best-time-to-join-the-chamber-of-commerce-by-glen-gould/</link>
		<comments>http://santafechamberblog.com/five-reasons-this-is-the-best-time-to-join-the-chamber-of-commerce-by-glen-gould/#comments</comments>
		<pubDate>Mon, 23 Nov 2009 18:04:58 +0000</pubDate>
		<dc:creator>SimonBrackley</dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://santafechamberblog.com/?p=176</guid>
		<description><![CDATA[
The signs are everywhere you turn. From inflated commodity prices to news reports of job losses, we&#8217;re hard pressed to keep a good attitude about the economy. So if you&#8217;re one of the many that have begun to see the impact of a struggling economy, I have extremely good news for you. Yep, there&#8217;s an [...]]]></description>
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<p>The signs are everywhere you turn. From inflated commodity prices to news reports of job losses, we&#8217;re hard pressed to keep a good attitude about the economy. So if you&#8217;re one of the many that have begun to see the impact of a struggling economy, I have extremely good news for you. Yep, there&#8217;s an easy way to increase your business and be one of the haves in this have-not cycle.</p>
<p>Imagine arriving at a place where everyone (or at least nearly everyone) knows your name. You are welcomed by friends and acquaintances who are happy you&#8217;re there. Better still, most of them are ready to help you build your business and are even referring you to their family and friends. And you experience this environment several times a month.</p>
<p>But there&#8217;s more. This is a place where you can hone your skills as well. You&#8217;ll have the opportunity to attend educational programming at a fraction of the cost available to the public. Often you meet people here who have experiences you can learn from. You&#8217;re introduced to the movers and shakers. You can even demonstrate your commitment to the community by serving as a leader. Your only limit is you.</p>
<p>Sure, this may appear to be a thinly veined cover of a shameless plug for your local chamber of commerce. And it is. But here&#8217;s why I&#8217;ve dedicated this article to the idea that you must be a member of the chamber in these challenging times.</p>
<p>1. You need to share your message with as many people as possible for the lowest investment of dollars. For a couple hundred bucks you&#8217;ll be a member of a business organization where you can communicate to a closed group of hundreds, if not thousands of potential customers and networking partners.</p>
<p>2. You need to build a network of people who are thinking of you first when they are asked by their customers, friends, family and vendors who they would recommend to provide what you&#8217;re selling. By the law of averages the best opportunity you have to fill your networking base is in a big crowd of business people. That is your local chamber of commerce.</p>
<p>3. You need to be in the know about current events and what changes may be coming that could affect future business. The chamber is the epicenter of business trends.</p>
<p>4. You need to be able to prove your worthiness to potential partners, vendors, customers and networking partners. The chamber affords you the opportunity to serve and thereby demonstrate your skills. What&#8217;s more, a recent survey by the Atlanta-based Shapiro Group states:</p>
<p>*Consumers are 63% more likely to buy goods and services in the future from a company that they believe is a member of the local chamber</p>
<p>*When consumers know that a business is a member of the local chamber they are 44% more likely to think favorably about it.</p>
<p>*Consumers who are told that a business is a chamber member are 51% more likely to be highly aware of it and 57% more likely to think positively of its reputation.</p>
<p>5. You need to be in a supportive atmosphere where you can see that others are still doing well and you can too. Again, the chamber stands alone as a positive voice for business.</p>
<p>If you&#8217;re not a member of the local chamber you owe it to yourself to join today. When you join, get involved. Volunteer to serve, attend meetings regularly and be willing to meet new people. Then you can begin to build your trusted resource network and soon you&#8217;ll reap the benefit of being a part of the best business-building network in town.</p></div>
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		<title>Be One of the Chosen Few Who Meet the Right People &#8211; Seven Steps to Networking Success By Glen Gould</title>
		<link>http://santafechamberblog.com/be-one-of-the-chosen-few-who-meet-the-right-people-seven-steps-to-networking-success-by-glen-gould/</link>
		<comments>http://santafechamberblog.com/be-one-of-the-chosen-few-who-meet-the-right-people-seven-steps-to-networking-success-by-glen-gould/#comments</comments>
		<pubDate>Mon, 23 Nov 2009 18:00:32 +0000</pubDate>
		<dc:creator>SimonBrackley</dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://santafechamberblog.com/?p=174</guid>
		<description><![CDATA[
Regardless of the community, group, or event, there always seems to be someone who meets just the right people at just the right time. While others spend years attending events hoping to meet someone, these seemingly chosen few find it easy to connect and grow their network (and their business). Why?
Here are seven simple steps [...]]]></description>
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<p>Regardless of the community, group, or event, there always seems to be someone who meets just the right people at just the right time. While others spend years attending events hoping to meet someone, these seemingly chosen few find it easy to connect and grow their network (and their business). Why?</p>
<p>Here are seven simple steps to become more like those &#8220;chosen few&#8221;.</p>
<p>First. Remember that you are not there to sell anything right now. Everyone has come to the event or group with the desire to grow their business. And that is why so many people fail to connect. Since everyone expects everyone else to be selling, they naturally put up their protective wall. It&#8217;s hard to connect with people through a wall.</p>
<p>Second: Remember that everyone is thinking about themselves most of the time. You must be aware that people love to hear their own name and things about them. That&#8217;s why so many people verbally vomit all over others when they meet them. It&#8217;s not because they think others want to hear about them, it&#8217;s because they want to hear about themselves.</p>
<p>Third: Smile! It&#8217;s proven that smiling, seemingly happy people are more attractive to us than people who do not smile. People who smile more are more successful. The simple act of smiling can make you happier. What&#8217;s more, smiling leaves evidence on your face in &#8220;smiling lines&#8221; that make you appear to be smiling even when you are not. Smiling tells others that you are warm and inviting, and most of all, fun!</p>
<p>Fourth: Seek to meet people. Here&#8217;s a secret: Everyone is scared just like you. It&#8217;s natural to be apprehensive when in a crowd of strangers. When you take the first step and engage others in conversation, you will subliminally be easing the pain that the other person is experiencing. Everyone is there to meet people. You should make it easy for others to meet you by taking the first step.</p>
<p>Fifth: Have a warm handshake, literally and figuratively. If your hands are cold, rub them together to warm them up. Shake hands with people being sure to get a good web-to-web grip. See my previous article &#8221; Success in Sales and in Life Depends on a Great Handshake&#8221; to learn how to do this.</p>
<p>Sixth: Ask questions that show a genuine interest in the other person. One great example is, &#8220;how did you get into the work that you are in right now?&#8221; Asking questions that go beyond what you do and how you do it will go a long way to building rapport and that leads to a better connection.</p>
<p>Seventh: Ask for their business card. When you get their card write down a few notes to remind you about the conversation. Be sure to ask the Million Dollar Question: &#8220;As I meet people, how will I know a perfect referral for you?&#8221; Write this down and then follow up with a phone call or note.</p>
<p>Every group has the chosen few who seem to have the inside track. They know everyone and everyone knows them. Meeting new people comes naturally for them. Follow these seven steps and you will soon be among the chosen few who meet all the right people at just the right time.</p></div>
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		<title>Position on US Chamber Positions</title>
		<link>http://santafechamberblog.com/position-on-us-chamber-positions/</link>
		<comments>http://santafechamberblog.com/position-on-us-chamber-positions/#comments</comments>
		<pubDate>Fri, 20 Nov 2009 22:38:42 +0000</pubDate>
		<dc:creator>SimonBrackley</dc:creator>
				<category><![CDATA[Business]]></category>
		<category><![CDATA[Chamber events]]></category>
		<category><![CDATA[Santa Fe]]></category>

		<guid isPermaLink="false">http://santafechamberblog.com/?p=171</guid>
		<description><![CDATA[The New Mexican Posted: Tuesday, November 17, 2009 &#8211; 11/17/09
I have recently had a number of conversations about positions taken by the U.S. Chamber of Commerce. From these conversations it has become apparent to me that there are a number of misapprehensions about chambers.
The Santa Fe Chamber of Commerce is an independent nonprofit organization with [...]]]></description>
			<content:encoded><![CDATA[<p>The New Mexican Posted: Tuesday, November 17, 2009 &#8211; 11/17/09</p>
<p>I have recently had a number of conversations about positions taken by the U.S. Chamber of Commerce. From these conversations it has become apparent to me that there are a number of misapprehensions about chambers.</p>
<p>The Santa Fe Chamber of Commerce is an independent nonprofit organization with around 1,000 local member businesses and a board of 21 directors representing hospitality, arts, manufacturing, media, finance, real estate, restaurant, insurance and other industries.</p>
<p>The Santa Fe Chamber of Commerce has no affiliation with the U.S. Chamber. Any position taken by the Santa Fe Chamber is approved by the board of directors. At no time does the Santa Fe Chamber take direction from the U.S. Chamber. In fact, the Santa Fe Chamber rarely, if ever, takes positions on national issues.</p>
<p>The Santa Fe Chamber of Commerce is committed to creating local jobs and prosperity for all Santa Feans.</p>
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		<title>Chambers of Commerce &#8211; The Basics</title>
		<link>http://santafechamberblog.com/chambers-of-commerce-the-basics/</link>
		<comments>http://santafechamberblog.com/chambers-of-commerce-the-basics/#comments</comments>
		<pubDate>Tue, 17 Nov 2009 19:43:46 +0000</pubDate>
		<dc:creator>SimonBrackley</dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://santafechamberblog.com/?p=168</guid>
		<description><![CDATA[Misconceptions abound regarding many brands, products and organizations.  When it comes to the term “chamber of commerce,” confusion and erroneous assumptions are even more likely, even though almost everyone has heard of the term.  The lack of understanding is in large part self-inflicted because chambers in various towns, cities, regions, states and even nations focus [...]]]></description>
			<content:encoded><![CDATA[<p><em>Misconceptions abound regarding many brands, products and organizations.  When it comes to the term “chamber of commerce,” confusion and erroneous assumptions are even more likely, even though almost everyone has heard of the term.  The lack of understanding is in large part self-inflicted because chambers in various towns, cities, regions, states and even nations focus on different things and actually operate in different ways.  A chamber of commerce primer may be helpful.  What follows is a “living” document produced by the American Chamber of Commerce Executives staff.  It will be adapted based on input from chambers and others.  (Version II, 10/21/09)</em></p>
<p><strong>DEFINITION</strong></p>
<p>A <strong>chamber of commerce</strong> is an organization of businesses seeking to further their collective interests, while advancing their community, region, state or nation. Business owners in towns, cities and other territories voluntarily form these local societies/networks to advocate on behalf of the community at large, economic prosperity and business interests. Chambers have existed in the US for more than two centuries, with many having been established <em>before</em> the jurisdictions they represent.  A business-led civic and economic advancement entity operating in a specific space may call itself any number of things – board of trade, business council, etc. – but for the purposes of this primer, they are all <em>chambers of commerce</em>.</p>
<p>Chamber missions vary, but they all tend to focus to some degree on five primary goals: Building communities (regions/states/nations) to which residents, visitors and investors are attracted; Promoting those communities; Striving to ensure future prosperity via a pro-business climate; Representing the unified voice of the employer community; and Reducing transactional friction through well-functioning networks.  Chambers have other features in common.  Most are led by private-sector employers, self-funded, organized around boards/committees of volunteers and independent.  They share a common ambition for sustained prosperity of their community/region, built on thriving employers.   Most are ardent proponents of the free market system, resisting attempts to overly burden private sector enterprise and investment.</p>
<p>Local businesses are voluntary paying members of a chamber (non-profits, quasi-public and even public sector employers also sometimes pay dues to belong).  The membership, acting collectively, elects a board of directors and/or executive council to set policy for, and guide the workings of, the chamber. The board or executive committee then hires a chief executive (various titles), plus an appropriate and affordable number of staff to run the organization.</p>
<p>In the majority of countries, the use of the term &#8220;chamber of commerce&#8221; is regulated by statute, though this is not the case in the US.  Only trademark, copyright and domain name rules protect a chamber’s identity – only state corporation law defines their existence and reason for being. While most chambers work closely with government, they are <em>not part of</em> government and many consider the process of appropriately influencing elected/appointed officials to be one of their most important functions.</p>
<p>Currently, there are about 13,000 chambers registered in the official Worldchambers Network registry.  There are roughly 3,000 chambers of commerce in the US with at least one full-time staff person and thousands more established as strictly volunteer entities.</p>
<p><strong>MEMBERSHIP</strong></p>
<p>Under the private, volunteer membership model, which exists in the USA and many other nations, companies are <strong><em>not</em></strong> obligated to become chamber members.  Membership rolls in a given North American chamber can range from a few dozen firms to more than 20,000, so there is no real “average” or typical chamber of commerce.</p>
<p>Chambers do not operate in the same manner as a <a title="Better Business Bureau" href="http://en.wikipedia.org/wiki/Better_Business_Bureau">Better Business Bureau</a> or trade association, which can bind its members under a formal operations doctrine (and, thus, can remove them).  Businesses and other employers pay dues to belong and expect to receive the benefits of membership as long as they continue to invest in the organization.  They usually accept any reputable business as a member, though dues investment schedules can sometimes result in intended or unintended exclusivity.</p>
<p>It is important to note that in most cases it is the company that is the member, not an individual.  A member company is then encouraged to involve numerous senior level employees in the work of the chamber.  While five, ten or more individuals from a given company will identify themselves as “members” of the chamber, only the organization they work for is counted when a chamber states its size.   A company is free to join (pay dues to) multiple chambers and many mid-size to large firms do so (especially neighbors), in order to further advance their companies’ market or policy interests.</p>
<p>Dues amounts are typically determined by the size of the member company (employee count or annual revenue), rather than by the number of people engaged in the chamber from that company.  Some chambers have adopted pay-as-you-go or funding models based on specific categories or quantity of services provided to member companies.</p>
<p>Occasionally, chambers will “bundle” memberships, allowing a single dues investment in one organization to qualify a company for membership in a group of chambers.  This is sometimes referred to “federation” membership and it can even extend to the national level.</p>
<p><strong>SERVICE</strong><strong> TERRITORY</strong></p>
<p>The geography of any one chamber of commerce – often referred to as “service territory” – is seldom defined by any political or legal jurisdiction.  More likely, the territory is defined by the catchment area of a chamber’s membership.  The locations of the businesses that compose the membership tend to define the chamber’s footprint and “claim” to a territory.  Adjoining organizations often establish formal or informal understandings about borders.</p>
<p>Minority chambers – Hispanic, African-American, Asian – exist in many larger markets.  Women’s chambers, gay chambers, German heritage and other demographically focused business groups have been established around the country.</p>
<p>While a chamber’s name (usually trademarked) is usually drawn from its approximate territory (The Greater Lehigh Valley Chamber, or the Chicagoland Chamber), there are no rules governing the number of business-led economic advancement groups (chambers) that may exist in, or serve, a given plot of land.  Just within the city limits of Chicago, there are more than 20 chambers of commerce and similar organizations.  Even where a county or regional chamber has been incorporated and established over generations, there may be dozens of local and town chambers operating independently within that same turf.</p>
<p>Why are there so many chambers?  Historical circumstances, population fluctuations, differing ambitions and the needs of employers have all played a role in the formation of chambers.  At the time many chambers were established geographic isolation underscored the need for separate organizations to represent local business and community issues.  While developments in infrastructure, transportation and communications over the past century have better linked businesses with their peers in neighboring communities and even foreign countries, the chambers that represent those businesses have remained viable and vital institutions.  Without a valid purpose, chamber’s boards, members and funders would have abandoned them long ago.</p>
<p>As suburban and exurban populations blossomed, new chambers sprung up to promote the interests of business in those communities.  In some cases, a crisis, like a hurricane, or an opportunity, like attracting a rail connection or promoting an airport expansion, has led to the formation of a chamber that remains viable for decades.  New chambers have also been formed out of disagreements or disgruntlement about the direction, position or focus of an existing chamber.</p>
<p>Like other businesses, chambers also dissolve and merge based on economic or other conditions.  Both the economic recession and increased focus on regionalism appear to be driving increased examination of the benefits of mergers.</p>
<p><strong>RELATIONSHIPS</strong></p>
<p>The chambers in the US and Canada are <strong><em>not</em></strong> bound together under contracts or government regulations.  There is no chapter or franchise arrangement between or among them.  There can be very strong relationships between neighboring organizations, but those relationships are voluntary and informal rather than required or written.  Chambers interact with each other across the nation and the globe – many even maintain formal memberships in other chambers – but the network is informal.  In the chamber world, nobody is “in charge” of anybody; a local chamber does not answer to a state or national chamber.</p>
<p>Local chambers are<em> </em>often<em>, </em>but <em>not always</em>, paying members of their state and national chambers of commerce.  This connection is one of voluntary membership and does not extend to control or governance.  A significant number of chamber executives also choose to join professional associations of their peers, such as the American Chamber of Commerce Executives, the Western Association of Chamber Executives, State Chamber Executive Associations, or the World Chambers Federation.  These memberships are for professional development purposes similar to those of any trade association and, once again, the relationships do not involve the abdication of self-determination.</p>
<p><strong>POLICY INDEPENDENCE AND COOPERATION</strong></p>
<p>The most difficult aspect for the general public, media, government officials and even some businesses to understand is that there is literally no inherent hierarchical structure in the chamber world.  This can be extremely confusing to those who naturally assume that a few thousand entities sharing the same name <em>must</em> be related and that some ordered lineage must exist among them.  That is simply not the case in the US.  When business and economic policy priorities align, which is usually the case, chambers of all sizes attempt to work together and speak with a unified voice.  Inevitably, conflicting positions will arise about some issues, or about strong positions (or lack thereof) of chambers at various levels.</p>
<p>To illustrate, the head of a community-based organization like a retired citizen group may wrongly assume that a position taken by a state chamber is shared and endorsed by their local chamber.  Likewise, a large metropolitan chamber of commerce could take a strong position in favor of an infrastructure project or educational reform initiative, which will not be embraced or supported by suburban chambers operating within the same metro region.</p>
<p>Or, a coalition of chambers might unite under the leadership of the United States Chamber (the national business advocacy organization representing hundreds of thousands of member corporations) to advocate for/against a bill affecting border crossings, but the coalition may include only a few dozen of the thousands of chambers in the US.  Any individual chamber may take a very visible, contradictory stand on that same international visitor policy.<em> </em>On certain issues at certain times, the US Chamber can organize thousands of its member chambers and associations into a unified grassroots lobbying force.  Many chambers have also voluntarily entered into a “Federation” relationship with the United States Chamber, which involves more consistent engagement in federal policy activities by both the local chamber and its members.</p>
<p>Since businesses are not required to join a chamber (penetration levels vary widely), and because territories overlap, it can be difficult for any one organization, regardless of size, to state that it “speaks for business,” but they do.  They earn that privilege by attracting numerous and large heterogeneous employers to their membership and leadership, as well as by utilizing their collective voice on meaningful policy initiatives.  In general, the smaller the chamber (and community it represents), the less active the organization will be on the policy/advocacy front.  Even small organizations, however, take stands on regional issues ranging from school funding to road development.</p>
<p>The processes of choosing and articulating specific policy positions vary by organization and issue.  For the most part, a vote (or expression of consensus) of a chamber board of directors determines the stand to be taken in the name of <em>that</em> chamber on any issue.  In recent years, with the increased involvement of public sector and non-profit employers in chambers, consensus-building has become more difficult at all levels.  Chamber boards are independent, but they usually take into account the recommendations of state and national organizations when larger issues are considered.</p>
<p>The US Chamber and state chambers provide local counterparts with extensive background and adaptable sample documents.  Local chambers then debate, adopt, adapt or reject the larger entities’ recommendations.  Likewise, local, regional and state chambers express their opinions about legislation specific to them, in hopes that their views will be shared, embraced and supported by others.  The American Chamber of Commerce Executives provides access to a Policy Clearinghouse, which enables member chambers to share knowledge about state and local public policy issues and strategies being employed in various regions to deal with those issues.</p>
<p>Because the chamber world is not structured around an affiliate or chapter model, such disagreements cannot be solved by a controlling authority.  Sometimes the disagreements cause destructive friction and bonds between chambers are broken.  More often, chambers issue differing position statements and agree to disagree, knowing that the opportunity for cooperation on future issues will be critical for them all.</p>
<p><strong>STRUCTURE</strong></p>
<p>Chambers of commerce in the US operate almost exclusively as non-profit entities known as 501(c)(6) corporations.  Unlike charities, these 501(c)(6) non-profits have the authority under state and federal tax rules to represent their members in public policy debates.  They may lobby and take positions on actual or proposed legislation, subject to local, state and federal laws.  Chambers may legally endorse candidates for public office and/or ballot propositions (but most do not).  The use of general fund revenues for chamber political and lobbying purposes is strictly regulated.  The chief executive or another member of the staff is sometimes a state-registered lobbyist. The portion of any member’s dues investment allocated to direct lobbying is not deductible as a business expense.</p>
<p>Chamber business models and organizational missions vary significantly.  Some chambers may offer services and products that appear to compete with businesses operating within their own territories.  One group of chambers may affiliate with a service provider to offer discounts or other benefits to chamber members (from low-cost office products to health insurance), while another group aligns with a completely different vendor.  As a rule, larger chambers tend to rely less on membership dues revenue than their smaller counterparts.  About one-third of the chambers of commerce in the US also include economic development corporations and/or tourism and visitors bureaus.  Virtually <em>all chambers have revenue sources other than dues</em>; event income is the most common.</p>
<p>Although a chamber is a non-profit entity under federal tax law, such a 501(c)(6) is free to undertake supporting business activities (referred to as “unrelated business income) – publishing, trade shows, insurance programs, etc.  In many cases, these activities are subject to business income taxes.</p>
<p>Many chambers establish charitable/educational foundations, known as 501(c)(3) corporations, to support specific, eligible parts of the chamber’s agenda.  The allowable purposes and rules related to such supporting foundations are different than those that have been established for 501(c)(6) organizations.</p>
<p>(NOTE:  In a few cases, for-profit chambers have been established in some communities.  These business ventures are routinely shunned and fought by traditional non-profit chambers.)</p>
<p>The largest metro or state chambers may employ up to 100 people.  The vast majority, however, have staffs numbering fewer than five and budgets under half a million dollars.  Chamber professionals serve in jobs covering most of the disciplines found in other small businesses – communications, finance, marketing, customer service and event planning.  Some chambers specialize in certain activities, such as economic development, tourism, research, and/or advocacy.  Some provide staffing and management to development-related government agencies on a contract basis.</p>
<p><strong>IF YOU’VE SEEN ONE . . .</strong></p>
<p>The term “chamber of commerce” is one of the oldest and most well-recognized brands in the world, but there is significant public misunderstanding of its meaning.  There is an old adage in the chamber world:  “If you’ve seen one chamber, you’ve seen one.”  Others who find themselves frustrated with a desire to apply universal truths to chamber of commerce models point to the Chinese parable of the seven blind men touching different parts of an elephant and coming away describing it differently (“It’s a snake . . . no it’s a tree . . . no it’s a brush on a rope . . .”).  In all cases, the whole of a chamber of commerce is greater than the sum of its parts, programs, people and participants.</p>
<p><strong>ADDITIONAL NOTES ON INTERNATIONAL CHAMBERS</strong></p>
<p>In many countries around the world, membership in the chamber of commerce is mandatory under national laws, with fees collected under some part of the business permit or taxation process.  These organizations are referred to as “public law” chambers.  Many of them boast memberships in hundreds of thousands, since literally all legitimate businesses must belong. Chambers in the UK, Canada, Australia and Eastern Europe tend to operate on a voluntary membership basis like the US.  In the European Union and much of Asia, public law chambers are more prevalent</p>
<p>The government advocacy activities of these chambers are, of course, substantially different than those in the US, but many of the issues addressed by these public law chambers would seem familiar to chambers of commerce in North America – i.e.: workforce, infrastructure, economic development, education, community image, etc.  The issues are similar, but the business models are dramatically different, since they have government-sanctioned status, rather than corporate identities.</p>
<p>Many chambers around the globe belong to regional associations i.e. Eurochambres and the Mediterranean Chambers of Commerce.  The World Chambers Federation ties a few thousand chambers from around the world together into one loose association, which operates under the auspices of the International Chamber of Commerce in Paris.  The WCF meets every other year for a World Chambers Congress.</p>
<p>Entities nicknamed “Am-Chams” exist in many large markets around the world – i.e.: The American Chamber of Commerce of Singapore, or the Egyptian Am-Cham.  These organizations involve the American companies operating in these locales, as well as the local firms doing business with US firms.  They focus on trade issues, but also on regulatory climates in the host countries.</p>
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		<title>Business Matters &#8211; Aseneth Kepler</title>
		<link>http://santafechamberblog.com/business-matters-aseneth-kepler/</link>
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		<pubDate>Fri, 13 Nov 2009 23:32:15 +0000</pubDate>
		<dc:creator>Lacie</dc:creator>
				<category><![CDATA[Podcast]]></category>
		<category><![CDATA[Aseneth Kepler]]></category>
		<category><![CDATA[Business]]></category>
		<category><![CDATA[business issues]]></category>
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		<category><![CDATA[Santa Fe Chamber of Commerce]]></category>

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		<description><![CDATA[Business Matters is a weekly radio show hosted by the Santa Fe Chamber of Commerce. Simon Brackley, President and CEO and Lacie Mackey, Marketing and Communications Manager, host local Chamber member businesses to discuss local business issues.
In this segment: Aseneth Kepler
Download MP3
]]></description>
			<content:encoded><![CDATA[<p>Business Matters is a weekly radio show hosted by the Santa Fe Chamber of Commerce. Simon Brackley, President and CEO and Lacie Mackey, Marketing and Communications Manager, host local Chamber member businesses to discuss local business issues.</p>
<p>In this segment: Aseneth Kepler</p>

<p><a href="http://santafechamberblog.com/audio/Asenethkepler092709.mp3">Download MP3</a></p>
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		<title>SME Toolkit to Build Your Business</title>
		<link>http://santafechamberblog.com/sme-toolkit-to-build-your-business/</link>
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		<pubDate>Mon, 09 Nov 2009 22:00:28 +0000</pubDate>
		<dc:creator>SimonBrackley</dc:creator>
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		<guid isPermaLink="false">http://santafechamberblog.com/?p=89</guid>
		<description><![CDATA[The SME Toolkit, brought to you by the International Finance Corporation (IFC) and IBM is designed especially for Asian, Black, Hispanic, Native American and Women-owned businesses with essential business tools.  Whether you have five minutes or five hours, you can find the tools, content, resources, advice, mentoring and more to serve your needs. 
Click Here [...]]]></description>
			<content:encoded><![CDATA[<p><span style="font-family: Arial; font-size: x-small;"><span style="font-family: Arial; font-size: x-small;">The SME Toolkit, brought to you by the International Finance Corporation (IFC) and IBM is designed especially for Asian, Black, Hispanic, Native American and Women-owned businesses with essential business tools.  Whether you have five minutes or five hours, you can find the tools, content, resources, advice, mentoring and more to serve your needs. </span></span></p>
<p><a href="http://us.smetoolkit.org/us/en"><span style="font-family: Arial; font-size: x-small;">Click Here</span></a><span style="font-family: Arial; font-size: x-small;"> to access the website</span></p>
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<td><span><span style="font-family: Arial; font-size: x-small;">Accounting &amp; Finance [21] </span></span></td>
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<li> <a href="http://www.smetoolkit.org/smetoolkit/en/content/en/375/Pricing-Q-A-s"><span style="font-family: Arial; font-size: x-small;">Pricing Q&amp;A&#8217;s</span></a><span style="font-family: Arial; font-size: x-small;"> </span></li>
<li> <a href="http://www.smetoolkit.org/smetoolkit/en/content/en/429/Quick-Cost-Savers"><span style="font-family: Arial; font-size: x-small;">Quick Cost Savers</span></a><span style="font-family: Arial; font-size: x-small;"> </span></li>
<li> <a href="http://www.smetoolkit.org/smetoolkit/en/content/en/431/Tactics-to-Avoid-Lowering-Your-Prices"><span style="font-family: Arial; font-size: x-small;">Tactics to Avoid Lowering Your Prices</span></a><span style="font-family: Arial; font-size: x-small;"> </span></li>
<li> <a href="http://www.smetoolkit.org/smetoolkit/en/content/en/2841/Where-s-the-Cash-"><span style="font-family: Arial; font-size: x-small;">Where&#8217;s the Cash? </span></a></li>
<p></span></ul>
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<td><span><span style="font-family: Arial; font-size: x-small;"> Business Planning [10] </span></span></td>
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<p></span></div>
<p><span style="font-family: Arial; font-size: x-small;"> </span></p>
<ul id="sub_cat_909"><span style="font-family: Arial; font-size: x-small;"></p>
<li> <a href="http://www.smetoolkit.org/smetoolkit/en/content/en/364/Basics-of-Buying-a-Business"><span style="font-family: Arial; font-size: x-small;">Basics of Buying a Business</span></a><span style="font-family: Arial; font-size: x-small;"> </span></li>
<li> <a href="http://www.smetoolkit.org/smetoolkit/en/content/en/1079/Business-Valuation-Methods"><span style="font-family: Arial; font-size: x-small;">Business Valuation Methods</span></a><span style="font-family: Arial; font-size: x-small;"> </span></li>
<li> <a href="http://www.smetoolkit.org/smetoolkit/en/content/en/1094/Checklist-for-Assessing-Personal-Strengths-Weaknesses"><span style="font-family: Arial; font-size: x-small;">Checklist for Assessing Personal Strengths &amp; Weaknesses</span></a><span style="font-family: Arial; font-size: x-small;"> </span></li>
<li> <a href="http://www.smetoolkit.org/smetoolkit/en/content/en/90/Choosing-a-Board-of-Directors"><span style="font-family: Arial; font-size: x-small;">Choosing a Board of Directors</span></a><span style="font-family: Arial; font-size: x-small;"> </span></li>
<li> <a href="http://www.smetoolkit.org/smetoolkit/en/content/en/100/Common-Startup-Mistakes"><span style="font-family: Arial; font-size: x-small;">Common Startup Mistakes</span></a><span style="font-family: Arial; font-size: x-small;"> </span></li>
<li> <a href="http://www.smetoolkit.org/smetoolkit/en/content/en/531/Effective-Competitive-Analysis"><span style="font-family: Arial; font-size: x-small;">Effective Competitive Analysis</span></a><span style="font-family: Arial; font-size: x-small;"> </span><span>
<ul>
<li style="width: 100%;"> <span style="font-family: Arial; font-size: x-small;">Currently 5.0/5 Stars. </span></li>
</ul>
<p></span></li>
<li> <a href="http://www.smetoolkit.org/smetoolkit/en/content/en/580/Franchising-Basics"><span style="font-family: Arial; font-size: x-small;">Franchising Basics</span></a><span style="font-family: Arial; font-size: x-small;"> </span></li>
<li> <a href="http://www.smetoolkit.org/smetoolkit/en/content/en/246/How-Do-I-Come-Up-With-a-Winning-Business-Idea-"><span style="font-family: Arial; font-size: x-small;">How Do I Come Up With a Winning Business Idea?</span></a><span style="font-family: Arial; font-size: x-small;"> </span><span>
<ul>
<li style="width: 100%;"> <span style="font-family: Arial; font-size: x-small;">Currently 5.0/5 Stars. </span></li>
</ul>
<p></span></li>
<li> <a href="http://www.smetoolkit.org/smetoolkit/en/content/en/2840/How-to-Fix-Your-Business"><span style="font-family: Arial; font-size: x-small;">How to Fix Your Business</span></a><span style="font-family: Arial; font-size: x-small;"> </span></li>
<li> <a href="http://www.smetoolkit.org/smetoolkit/en/content/en/121/Set-Goals-for-Your-Business"><span style="font-family: Arial; font-size: x-small;">Set Goals for Your Business</span></a><span style="font-family: Arial; font-size: x-small;"> </span></li>
<p></span></ul>
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<td><span><span style="font-family: Arial; font-size: x-small;"> Human Resources [17] </span></span></td>
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<p></span></div>
<p><span style="font-family: Arial; font-size: x-small;"> </span></p>
<ul id="sub_cat_910"><span style="font-family: Arial; font-size: x-small;"></p>
<li> <a href="http://www.smetoolkit.org/smetoolkit/en/content/en/305/Bonuses-How-To-Be-Fair"><span style="font-family: Arial; font-size: x-small;">Bonuses: How To Be Fair</span></a><span style="font-family: Arial; font-size: x-small;"> </span></li>
<li> <a href="http://www.smetoolkit.org/smetoolkit/en/content/en/8/Creating-an-Effective-Job-Description"><span style="font-family: Arial; font-size: x-small;">Creating an Effective Job Description</span></a><span style="font-family: Arial; font-size: x-small;"> </span></li>
<li> <a href="http://www.smetoolkit.org/smetoolkit/en/content/en/755/Guarding-Your-Intellectual-Property"><span style="font-family: Arial; font-size: x-small;">Guarding Your Intellectual Property</span></a><span style="font-family: Arial; font-size: x-small;"> </span></li>
<li> <a href="http://www.smetoolkit.org/smetoolkit/en/content/en/18/Hiring-Do-You-Know-How-to-Pick-Them-"><span style="font-family: Arial; font-size: x-small;">Hiring: Do You Know How to Pick Them?</span></a><span style="font-family: Arial; font-size: x-small;"> </span></li>
<li> <a href="http://www.smetoolkit.org/smetoolkit/en/content/en/69/How-to-Create-an-Effective-Employee-Handbook"><span style="font-family: Arial; font-size: x-small;">How to Create an Effective Employee Handbook</span></a><span style="font-family: Arial; font-size: x-small;"> </span></li>
<li> <a href="http://www.smetoolkit.org/smetoolkit/en/content/en/27/How-to-Run-a-Formal-Meeting"><span style="font-family: Arial; font-size: x-small;">How to Run a Formal Meeting</span></a><span style="font-family: Arial; font-size: x-small;"> </span></li>
<li> <a href="http://www.smetoolkit.org/smetoolkit/en/content/en/264/Learning-to-Delegate"><span style="font-family: Arial; font-size: x-small;">Learning to Delegate</span></a><span style="font-family: Arial; font-size: x-small;"> </span></li>
<li> <a href="http://www.smetoolkit.org/smetoolkit/en/content/en/585/Little-Known-Hiring-Resources"><span style="font-family: Arial; font-size: x-small;">Little-Known Hiring Resources</span></a><span style="font-family: Arial; font-size: x-small;"> </span></li>
<li> <a href="http://www.smetoolkit.org/smetoolkit/en/content/en/614/Outsourcing-Your-Human-Resources"><span style="font-family: Arial; font-size: x-small;">Outsourcing Your Human Resources</span></a><span style="font-family: Arial; font-size: x-small;"> </span></li>
<li> <a href="http://www.smetoolkit.org/smetoolkit/en/content/en/952/Sample-Offer-Letter"><span style="font-family: Arial; font-size: x-small;">Sample Offer Letter</span></a><span style="font-family: Arial; font-size: x-small;"> </span></li>
<li> <a href="http://www.smetoolkit.org/smetoolkit/en/content/en/230/Set-Goals-for-Your-Employees"><span style="font-family: Arial; font-size: x-small;">Set Goals for Your Employees</span></a><span style="font-family: Arial; font-size: x-small;"> </span></li>
<li> <a href="http://www.smetoolkit.org/smetoolkit/en/content/en/34/Small-Business-Insurance-Primer"><span style="font-family: Arial; font-size: x-small;">Small Business Insurance Primer</span></a><span style="font-family: Arial; font-size: x-small;"> </span></li>
<li> <a href="http://www.smetoolkit.org/smetoolkit/en/content/en/19/Tips-for-Managing-Termination"><span style="font-family: Arial; font-size: x-small;">Tips for Managing Termination</span></a><span style="font-family: Arial; font-size: x-small;"> </span></li>
<li> <a href="http://www.smetoolkit.org/smetoolkit/en/content/en/376/Tips-for-Performance-Appraisal"><span style="font-family: Arial; font-size: x-small;">Tips for Performance Appraisal</span></a><span style="font-family: Arial; font-size: x-small;"> </span></li>
<li> <a href="http://www.smetoolkit.org/smetoolkit/en/content/en/458/Tips-for-Retention-Strategy"><span style="font-family: Arial; font-size: x-small;">Tips for Retention Strategy</span></a><span style="font-family: Arial; font-size: x-small;"> </span></li>
<li> <a href="http://www.smetoolkit.org/smetoolkit/en/content/en/874/Tips-for-Successful-Interviewing"><span style="font-family: Arial; font-size: x-small;">Tips for Successful Interviewing</span></a><span style="font-family: Arial; font-size: x-small;"> </span></li>
<li> <a href="http://www.smetoolkit.org/smetoolkit/en/content/en/517/Your-Pre-Vacation-Checklist"><span style="font-family: Arial; font-size: x-small;">Your Pre-Vacation Checklist</span></a><span style="font-family: Arial; font-size: x-small;"> </span></li>
<p></span></ul>
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<td><span><span style="font-family: Arial; font-size: x-small;"> International Business [7] </span></span></td>
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<p></span></div>
<p><span style="font-family: Arial; font-size: x-small;"> </span></p>
<ul id="sub_cat_979"><span style="font-family: Arial; font-size: x-small;"></p>
<li> <a href="http://www.smetoolkit.org/smetoolkit/en/content/en/2734/Business-Anti-Corruption-in-East-Asia-and-the-Pacific"><span style="font-family: Arial; font-size: x-small;">Business Anti-Corruption in East Asia and the Pacific</span></a><span style="font-family: Arial; font-size: x-small;"> </span></li>
<li> <a href="http://www.smetoolkit.org/smetoolkit/en/content/en/2733/Business-Anti-Corruption-in-Europe-and-Central-Asia"><span style="font-family: Arial; font-size: x-small;">Business Anti-Corruption in Europe and Central Asia</span></a><span style="font-family: Arial; font-size: x-small;"> </span></li>
<li> <a href="http://www.smetoolkit.org/smetoolkit/en/content/en/2730/Business-Anti-Corruption-in-Latin-America"><span style="font-family: Arial; font-size: x-small;">Business Anti-Corruption in Latin America</span></a><span style="font-family: Arial; font-size: x-small;"> </span></li>
<li> <a href="http://www.smetoolkit.org/smetoolkit/en/content/en/2735/Business-Anti-Corruption-in-Middle-East-and-North-Africa"><span style="font-family: Arial; font-size: x-small;">Business Anti-Corruption in Middle East and North Africa</span></a><span style="font-family: Arial; font-size: x-small;"> </span></li>
<li> <a href="http://www.smetoolkit.org/smetoolkit/en/content/en/2732/Business-Anti-Corruption-in-South-Asia"><span style="font-family: Arial; font-size: x-small;">Business Anti-Corruption in South Asia</span></a><span style="font-family: Arial; font-size: x-small;"> </span></li>
<li> <a href="http://www.smetoolkit.org/smetoolkit/en/content/en/2731/Business-Anti-Corruption-in-Sub-Saharan-Africa"><span style="font-family: Arial; font-size: x-small;">Business Anti-Corruption in Sub-Saharan Africa</span></a><span style="font-family: Arial; font-size: x-small;"> </span></li>
<li> <a href="http://www.smetoolkit.org/smetoolkit/en/content/en/467/Quality-ISO-9000-International-Standards-of-Excellence"><span style="font-family: Arial; font-size: x-small;">Quality &amp; ISO 9000 International Standards of Excellence</span></a><span style="font-family: Arial; font-size: x-small;"> </span></li>
<p></span></ul>
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<td><span><span style="font-family: Arial; font-size: x-small;"> Legal &amp; Insurance [5] </span></span></td>
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<p></span></div>
<p><span style="font-family: Arial; font-size: x-small;"> </span></p>
<ul id="sub_cat_911"><span style="font-family: Arial; font-size: x-small;"></p>
<li> <a href="http://www.smetoolkit.org/smetoolkit/en/content/en/90/Choosing-a-Board-of-Directors"><span style="font-family: Arial; font-size: x-small;">Choosing a Board of Directors</span></a><span style="font-family: Arial; font-size: x-small;"> </span></li>
<li> <a href="http://www.smetoolkit.org/smetoolkit/en/content/en/755/Guarding-Your-Intellectual-Property"><span style="font-family: Arial; font-size: x-small;">Guarding Your Intellectual Property</span></a><span style="font-family: Arial; font-size: x-small;"> </span></li>
<li> <a href="http://www.smetoolkit.org/smetoolkit/en/content/en/668/How-to-Choose-and-Work-with-an-Attorney"><span style="font-family: Arial; font-size: x-small;">How to Choose and Work with an Attorney</span></a><span style="font-family: Arial; font-size: x-small;"> </span></li>
<li> <a href="http://www.smetoolkit.org/smetoolkit/en/content/en/34/Small-Business-Insurance-Primer"><span style="font-family: Arial; font-size: x-small;">Small Business Insurance Primer</span></a><span style="font-family: Arial; font-size: x-small;"> </span></li>
<li> <a href="http://www.smetoolkit.org/smetoolkit/en/content/en/628/Writing-a-Partnership-Agreement"><span style="font-family: Arial; font-size: x-small;">Writing a Partnership Agreement</span></a><span style="font-family: Arial; font-size: x-small;"> </span><span>
<ul>
<li style="width: 100%;"> <span style="font-family: Arial; font-size: x-small;">Currently 5.0/5 Stars. </span></li>
</ul>
<p></span></li>
<p></span></ul>
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<td><span><span style="font-family: Arial; font-size: x-small;"> Marketing &amp; Sales [31] </span></span></td>
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<p><span style="font-family: Arial; font-size: x-small;"> </span></p>
<ul id="sub_cat_912"><span style="font-family: Arial; font-size: x-small;"></p>
<li> <a href="http://www.smetoolkit.org/smetoolkit/en/content/en/937/Closing-the-Sale"><span style="font-family: Arial; font-size: x-small;">Closing the Sale</span></a><span style="font-family: Arial; font-size: x-small;"> </span></li>
<li> <a href="http://www.smetoolkit.org/smetoolkit/en/content/en/1078/Common-Web-Site-Misconceptions"><span style="font-family: Arial; font-size: x-small;">Common Web Site Misconceptions</span></a><span style="font-family: Arial; font-size: x-small;"> </span></li>
<li> <a href="http://www.smetoolkit.org/smetoolkit/en/content/en/349/Copywriting-Basics"><span style="font-family: Arial; font-size: x-small;">Copywriting Basics</span></a><span style="font-family: Arial; font-size: x-small;"> </span></li>
<li> <a href="http://www.smetoolkit.org/smetoolkit/en/content/en/144/Create-Your-Marketing-Plan"><span style="font-family: Arial; font-size: x-small;">Create Your Marketing Plan</span></a><span style="font-family: Arial; font-size: x-small;"> </span></li>
<li> <a href="http://www.smetoolkit.org/smetoolkit/en/content/en/531/Effective-Competitive-Analysis"><span style="font-family: Arial; font-size: x-small;">Effective Competitive Analysis</span></a><span style="font-family: Arial; font-size: x-small;"> </span><span>
<ul>
<li style="width: 100%;"> <span style="font-family: Arial; font-size: x-small;">Currently 5.0/5 Stars. </span></li>
</ul>
<p></span></li>
<li> <a href="http://www.smetoolkit.org/smetoolkit/en/content/en/50/Effective-Trade-Show-Planning"><span style="font-family: Arial; font-size: x-small;">Effective Trade Show Planning</span></a><span style="font-family: Arial; font-size: x-small;"> </span></li>
<li> <a href="http://www.smetoolkit.org/smetoolkit/en/content/en/256/Elements-for-a-Successful-Press-Campaign"><span style="font-family: Arial; font-size: x-small;">Elements for a Successful Press Campaign</span></a><span style="font-family: Arial; font-size: x-small;"> </span></li>
<li> <a href="http://www.smetoolkit.org/smetoolkit/en/content/en/876/Find-Your-Highest-Potential-Customers"><span style="font-family: Arial; font-size: x-small;">Find Your Highest Potential Customers</span></a><span style="font-family: Arial; font-size: x-small;"> </span></li>
<li> <a href="http://www.smetoolkit.org/smetoolkit/en/content/en/746/Get-Better-Customer-Input"><span style="font-family: Arial; font-size: x-small;">Get Better Customer Input</span></a><span style="font-family: Arial; font-size: x-small;"> </span></li>
<li> <a href="http://www.smetoolkit.org/smetoolkit/en/content/en/597/Get-Ready-to-Sell-Online"><span style="font-family: Arial; font-size: x-small;">Get Ready to Sell Online</span></a><span style="font-family: Arial; font-size: x-small;"> </span></li>
<li> <a href="http://www.smetoolkit.org/smetoolkit/en/content/en/59/Give-Consumers-Confidence-in-Your-Site"><span style="font-family: Arial; font-size: x-small;">Give Consumers Confidence in Your Site</span></a><span style="font-family: Arial; font-size: x-small;"> </span></li>
<li> <a href="http://www.smetoolkit.org/smetoolkit/en/content/en/427/Hone-Your-Sales-Presentation-Skills"><span style="font-family: Arial; font-size: x-small;">Hone Your Sales Presentation Skills</span></a><span style="font-family: Arial; font-size: x-small;"> </span></li>
<li> <a href="http://www.smetoolkit.org/smetoolkit/en/content/en/903/How-to-Follow-Up-with-Customers"><span style="font-family: Arial; font-size: x-small;">How to Follow Up with Customers</span></a><span style="font-family: Arial; font-size: x-small;"> </span></li>
<li> <a href="http://www.smetoolkit.org/smetoolkit/en/content/en/728/How-to-Handle-a-Potential-Client-with-Bad-Credit"><span style="font-family: Arial; font-size: x-small;">How to Handle a Potential Client with Bad Credit</span></a><span style="font-family: Arial; font-size: x-small;"> </span></li>
<li> <a href="http://www.smetoolkit.org/smetoolkit/en/content/en/171/How-to-Learn-Your-Prospect-s-Needs"><span style="font-family: Arial; font-size: x-small;">How to Learn Your Prospect&#8217;s Needs</span></a><span style="font-family: Arial; font-size: x-small;"> </span></li>
<li> <a href="http://www.smetoolkit.org/smetoolkit/en/content/en/894/How-to-Network-Effectively"><span style="font-family: Arial; font-size: x-small;">How to Network Effectively</span></a><span style="font-family: Arial; font-size: x-small;"> </span></li>
<li> <a href="http://www.smetoolkit.org/smetoolkit/en/content/en/914/How-to-Sell-at-Trade-Shows"><span style="font-family: Arial; font-size: x-small;">How to Sell at Trade Shows</span></a><span style="font-family: Arial; font-size: x-small;"> </span></li>
<li> <a href="http://www.smetoolkit.org/smetoolkit/en/content/en/783/Low-Cost-Market-Research"><span style="font-family: Arial; font-size: x-small;">Low Cost Market Research</span></a><span style="font-family: Arial; font-size: x-small;"> </span></li>
<li> <a href="http://www.smetoolkit.org/smetoolkit/en/content/en/1061/Making-Cold-Calls"><span style="font-family: Arial; font-size: x-small;">Making Cold Calls</span></a><span style="font-family: Arial; font-size: x-small;"> </span></li>
<li> <a href="http://www.smetoolkit.org/smetoolkit/en/content/en/196/Market-Research-Techniques"><span style="font-family: Arial; font-size: x-small;">Market Research Techniques</span></a><span style="font-family: Arial; font-size: x-small;"> </span></li>
<li> <a href="http://www.smetoolkit.org/smetoolkit/en/content/en/291/Market-Research-Worksheet"><span style="font-family: Arial; font-size: x-small;">Market Research Worksheet</span></a><span style="font-family: Arial; font-size: x-small;"> </span></li>
<li> <a href="http://www.smetoolkit.org/smetoolkit/en/content/en/519/Marketing-Plan-Samples"><span style="font-family: Arial; font-size: x-small;">Marketing Plan Samples</span></a><span style="font-family: Arial; font-size: x-small;"> </span></li>
<li> <a href="http://www.smetoolkit.org/smetoolkit/en/content/en/507/Online-Marketing-Checklists"><span style="font-family: Arial; font-size: x-small;">Online Marketing Checklists</span></a><span style="font-family: Arial; font-size: x-small;"> </span></li>
<li> <a href="http://www.smetoolkit.org/smetoolkit/en/content/en/375/Pricing-Q-A-s"><span style="font-family: Arial; font-size: x-small;">Pricing Q&amp;A&#8217;s</span></a><span style="font-family: Arial; font-size: x-small;"> </span></li>
<li> <a href="http://www.smetoolkit.org/smetoolkit/en/content/en/986/Providing-Superior-Customer-Service"><span style="font-family: Arial; font-size: x-small;">Providing Superior Customer Service</span></a><span style="font-family: Arial; font-size: x-small;"> </span><span>
<ul>
<li style="width: 80%;"> <span style="font-family: Arial; font-size: x-small;">Currently 4.0/5 Stars. </span></li>
</ul>
<p></span></li>
<li> <a href="http://www.smetoolkit.org/smetoolkit/en/content/en/249/Sample-Press-Releases"><span style="font-family: Arial; font-size: x-small;">Sample Press Releases</span></a><span style="font-family: Arial; font-size: x-small;"> </span></li>
<li> <a href="http://www.smetoolkit.org/smetoolkit/en/content/en/875/Segment-Your-Audience"><span style="font-family: Arial; font-size: x-small;">Segment Your Audience</span></a><span style="font-family: Arial; font-size: x-small;"> </span></li>
<li> <a href="http://www.smetoolkit.org/smetoolkit/en/content/en/292/Successful-Sales-Letters"><span style="font-family: Arial; font-size: x-small;">Successful Sales Letters</span></a><span style="font-family: Arial; font-size: x-small;"> </span></li>
<li> <a href="http://www.smetoolkit.org/smetoolkit/en/content/en/736/Top-Six-Pricing-Mistakes"><span style="font-family: Arial; font-size: x-small;">Top Six Pricing Mistakes</span></a><span style="font-family: Arial; font-size: x-small;"> </span></li>
<li> <a href="http://www.smetoolkit.org/smetoolkit/en/content/en/769/Trade-Shows-Without-a-Booth"><span style="font-family: Arial; font-size: x-small;">Trade Shows Without a Booth</span></a><span style="font-family: Arial; font-size: x-small;"> </span></li>
<li> <a href="http://www.smetoolkit.org/smetoolkit/en/content/en/356/Write-a-Successful-Press-Release"><span style="font-family: Arial; font-size: x-small;">Write a Successful Press Release</span></a><span style="font-family: Arial; font-size: x-small;"> </span></li>
<p></span></ul>
<p><span style="font-family: Arial; font-size: x-small;"> </span></p>
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<td><span><span style="font-family: Arial; font-size: x-small;"> Operations [15] </span></span></td>
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</tbody>
</table>
<p></span></div>
<p><span style="font-family: Arial; font-size: x-small;"> </span></p>
<ul id="sub_cat_913"><span style="font-family: Arial; font-size: x-small;"></p>
<li> <a href="http://www.smetoolkit.org/smetoolkit/en/content/en/279/Creating-an-Environmental-Management-System-EMS-"><span style="font-family: Arial; font-size: x-small;">Creating an Environmental Management System (EMS)</span></a><span style="font-family: Arial; font-size: x-small;"> </span></li>
<li> <a href="http://www.smetoolkit.org/smetoolkit/en/content/en/416/Demand-Forecasting"><span style="font-family: Arial; font-size: x-small;">Demand Forecasting</span></a><span style="font-family: Arial; font-size: x-small;"> </span></li>
<li> <a href="http://www.smetoolkit.org/smetoolkit/en/content/en/912/Environmental-Management-Systems-Forms"><span style="font-family: Arial; font-size: x-small;">Environmental Management Systems Forms</span></a><span style="font-family: Arial; font-size: x-small;"> </span></li>
<li> <a href="http://www.smetoolkit.org/smetoolkit/en/content/en/406/Keep-Yourself-Organized"><span style="font-family: Arial; font-size: x-small;">Keep Yourself Organized</span></a><span style="font-family: Arial; font-size: x-small;"> </span></li>
<li> <a href="http://www.smetoolkit.org/smetoolkit/en/content/en/786/Leasing-Equipment"><span style="font-family: Arial; font-size: x-small;">Leasing Equipment</span></a><span style="font-family: Arial; font-size: x-small;"> </span></li>
<li> <a href="http://www.smetoolkit.org/smetoolkit/en/content/en/956/Managing-Quality"><span style="font-family: Arial; font-size: x-small;">Managing Quality</span></a><span style="font-family: Arial; font-size: x-small;"> </span></li>
<li> <a href="http://www.smetoolkit.org/smetoolkit/en/content/en/387/Managing-the-Workplace"><span style="font-family: Arial; font-size: x-small;">Managing the Workplace</span></a><span style="font-family: Arial; font-size: x-small;"> </span></li>
<li> <a href="http://www.smetoolkit.org/smetoolkit/en/content/en/587/Managing-Your-Inventory"><span style="font-family: Arial; font-size: x-small;">Managing Your Inventory</span></a><span style="font-family: Arial; font-size: x-small;"> </span></li>
<li> <a href="http://www.smetoolkit.org/smetoolkit/en/content/en/435/Managing-Your-Materials"><span style="font-family: Arial; font-size: x-small;">Managing Your Materials</span></a><span style="font-family: Arial; font-size: x-small;"> </span></li>
<li> <a href="http://www.smetoolkit.org/smetoolkit/en/content/en/185/Managing-Your-Materials-Requirements"><span style="font-family: Arial; font-size: x-small;">Managing Your Materials Requirements</span></a><span style="font-family: Arial; font-size: x-small;"> </span></li>
<li> <a href="http://www.smetoolkit.org/smetoolkit/en/content/en/436/Post-Project-Review-Guidelines"><span style="font-family: Arial; font-size: x-small;">Post-Project Review Guidelines</span></a><span style="font-family: Arial; font-size: x-small;"> </span></li>
<li> <a href="http://www.smetoolkit.org/smetoolkit/en/content/en/907/Preparing-Your-Production-Plan"><span style="font-family: Arial; font-size: x-small;">Preparing Your Production Plan</span></a><span style="font-family: Arial; font-size: x-small;"> </span></li>
<li> <a href="http://www.smetoolkit.org/smetoolkit/en/content/en/455/Project-Charter-for-Information-Technology-Project"><span style="font-family: Arial; font-size: x-small;">Project Charter for Information Technology Project</span></a><span style="font-family: Arial; font-size: x-small;"> </span></li>
<li> <a href="http://www.smetoolkit.org/smetoolkit/en/content/en/538/Sample-Request-for-Proposals"><span style="font-family: Arial; font-size: x-small;">Sample Request for Proposals</span></a><span style="font-family: Arial; font-size: x-small;"> </span></li>
<li> <a href="http://www.smetoolkit.org/smetoolkit/en/content/en/503/Securing-Your-Inventory-and-Property"><span style="font-family: Arial; font-size: x-small;">Securing Your Inventory and Property</span></a><span style="font-family: Arial; font-size: x-small;"> </span></li>
<p></span></ul>
<p><span style="font-family: Arial; font-size: x-small;"> </span></p>
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<td><span><span style="font-family: Arial; font-size: x-small;"> Technology [10] </span></span></td>
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<p><span style="font-family: Arial; font-size: x-small;"> </span></p>
<ul id="sub_cat_914"><span style="font-family: Arial; font-size: x-small;"></p>
<li> <a href="http://www.smetoolkit.org/smetoolkit/en/content/en/1078/Common-Web-Site-Misconceptions"><span style="font-family: Arial; font-size: x-small;">Common Web Site Misconceptions</span></a><span style="font-family: Arial; font-size: x-small;"> </span></li>
<li> <a href="http://www.smetoolkit.org/smetoolkit/en/content/en/590/Create-an-Effective-Small-Business-Web-Site"><span style="font-family: Arial; font-size: x-small;">Create an Effective Small Business Web Site</span></a><span style="font-family: Arial; font-size: x-small;"> </span></li>
<li> <a href="http://www.smetoolkit.org/smetoolkit/en/content/en/697/E-Commerce-Glossary"><span style="font-family: Arial; font-size: x-small;">E-Commerce Glossary</span></a><span style="font-family: Arial; font-size: x-small;"> </span></li>
<li> <a href="http://www.smetoolkit.org/smetoolkit/en/content/en/597/Get-Ready-to-Sell-Online"><span style="font-family: Arial; font-size: x-small;">Get Ready to Sell Online</span></a><span style="font-family: Arial; font-size: x-small;"> </span></li>
<li> <a href="http://www.smetoolkit.org/smetoolkit/en/content/en/59/Give-Consumers-Confidence-in-Your-Site"><span style="font-family: Arial; font-size: x-small;">Give Consumers Confidence in Your Site</span></a><span style="font-family: Arial; font-size: x-small;"> </span></li>
<li> <a href="http://www.smetoolkit.org/smetoolkit/en/content/en/477/Managing-an-Information-Technology-Project"><span style="font-family: Arial; font-size: x-small;">Managing an Information Technology Project</span></a><span style="font-family: Arial; font-size: x-small;"> </span></li>
<li> <a href="http://www.smetoolkit.org/smetoolkit/en/content/en/507/Online-Marketing-Checklists"><span style="font-family: Arial; font-size: x-small;">Online Marketing Checklists</span></a><span style="font-family: Arial; font-size: x-small;"> </span></li>
<li> <a href="http://www.smetoolkit.org/smetoolkit/en/content/en/455/Project-Charter-for-Information-Technology-Project"><span style="font-family: Arial; font-size: x-small;">Project Charter for Information Technology Project</span></a><span style="font-family: Arial; font-size: x-small;"> </span></li>
<li> <a href="http://www.smetoolkit.org/smetoolkit/en/content/en/348/Search-The-Web-Like-A-Pro"><span style="font-family: Arial; font-size: x-small;">Search The Web Like A Pro</span></a><span style="font-family: Arial; font-size: x-small;"> </span></li>
<li> <a href="http://www.smetoolkit.org/smetoolkit/en/content/en/949/What-to-Look-for-in-a-Web-Host"><span style="font-family: Arial; font-size: x-small;">What to Look for in a Web Host</span></a><span style="font-family: Arial; font-size: x-small;"> </span></li>
<p></span></ul>
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<td><span><span style="font-family: Arial; font-size: x-small;"> Women-Owned Businesses [10] </span></span></td>
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<ul id="sub_cat_4879"><span style="font-family: Arial; font-size: x-small;"></p>
<li> <a href="http://www.smetoolkit.org/smetoolkit/en/content/en/5298/Application-for-a-Loan-Melissa-s-Case-Sample-"><span style="font-family: Arial; font-size: x-small;">Application for a Loan &#8211; Melissa&#8217;s Case Sample </span></a></li>
<li> <a href="http://www.smetoolkit.org/smetoolkit/en/content/en/5297/Business-Plan-Melissa-s-Case-Sample"><span style="font-family: Arial; font-size: x-small;">Business Plan &#8211; Melissa&#8217;s Case Sample</span></a><span style="font-family: Arial; font-size: x-small;"> </span></li>
<li> <a href="http://www.smetoolkit.org/smetoolkit/en/content/en/1094/Checklist-for-Assessing-Personal-Strengths-Weaknesses"><span style="font-family: Arial; font-size: x-small;">Checklist for Assessing Personal Strengths &amp; Weaknesses</span></a><span style="font-family: Arial; font-size: x-small;"> </span></li>
<li> <a href="http://www.smetoolkit.org/smetoolkit/en/content/en/5299/Cover-Letter-for-Loan-Application-Sample-Template"><span style="font-family: Arial; font-size: x-small;">Cover Letter for Loan Application &#8211; Sample Template</span></a><span style="font-family: Arial; font-size: x-small;"> </span></li>
<li> <a href="http://www.smetoolkit.org/smetoolkit/en/content/en/5306/Discussion-Points-For-A-Loan-Interview-Melissa-s-Case-Sample-"><span style="font-family: Arial; font-size: x-small;">Discussion Points For A Loan Interview &#8211; Melissa&#8217;s Case S&#8230;</span></a><span style="font-family: Arial; font-size: x-small;"> </span></li>
<li> <a href="http://www.smetoolkit.org/smetoolkit/en/content/en/5304/Helpful-Tips-For-Your-Loan-Interview"><span style="font-family: Arial; font-size: x-small;">Helpful Tips For Your Loan Interview</span></a><span style="font-family: Arial; font-size: x-small;"> </span></li>
<li> <a href="http://www.smetoolkit.org/smetoolkit/en/content/en/5300/The-7-%E2%80%9CC%E2%80%99s%E2%80%9D-of-Credit-"><span style="font-family: Arial; font-size: x-small;">The 7 “C’s” of Credit </span></a></li>
<li> <a href="http://www.smetoolkit.org/smetoolkit/en/content/en/2618/The-do%E2%80%99s-and-don-ts-of-business-expansion"><span style="font-family: Arial; font-size: x-small;">The do’s and don&#8217;ts of business expansion</span></a><span style="font-family: Arial; font-size: x-small;"> </span><span>
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<li style="width: 100%;"> <span style="font-family: Arial; font-size: x-small;">Currently 5.0/5 Stars. </span></li>
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<p></span></li>
<li> <a href="http://www.smetoolkit.org/smetoolkit/en/content/en/5305/The-Importance-of-Networking"><span style="font-family: Arial; font-size: x-small;">The Importance of Networking</span></a><span style="font-family: Arial; font-size: x-small;"> </span></li>
<li> <a href="http://www.smetoolkit.org/smetoolkit/en/content/en/3301/Tips-for-marketing-your-home-based-business"><span style="font-family: Arial; font-size: x-small;">Tips for marketing your home-based business</span></a><span style="font-family: Arial; font-size: x-small;"> </span></li>
<p></span></ul>
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<td><span><span style="font-family: Arial; font-size: x-small;"> Other [1] </span></span></td>
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<li> <a href="http://www.smetoolkit.org/smetoolkit/en/content/en/5121/Finding-women-mentors"><span style="font-family: Arial; font-size: x-small;">Finding women mentors</span></a></li>
<p></span></ul>
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