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                                          SCORE NEWS FOR March 2009 Logo
     ST. LOUIS, CHAPTER 21


March 2009
Issue 3 2009
Welcome to SCORE!

Greetings!

SCORE, Service Corp Of Retired (and Working) Executives, Counselors to America's Small Business offers free counseling to St. Louis area small businesses. 

For more information contact us at
314-539-6600 Ext. 242 or
www.stlscore.org
 to learn more about what SCORE offers.


St. Louis SCORE
200 North Broadway
Suite 1500
St. Louis, MO 63102
314-539-6600 x242

http://www.stlscore.org

St. Charles Office
 636-447-5000
St. Charles Economic Development Center
5988 Mid Rivers Mall Drive
St. Charles, MO 63304

Kirkwood Office
 314-800-1527
  Inside National City Bank
333 S. Kirkwood Rd
Kirkwood, MO 63122

BOOM!
7 Choices for Blowing the Doors Off Business as Usual

By Kevin and Jackie Freiberg
 
Are you part of the solution or part of the problem?  Do you have the courage to think BIG and act BOLD?  Are you part of something, fully engaged in what you are doing?  Do you want to make a mark on the world?  You are on earth for a purpose, a purpose that gives meaning to your life and to the lives of those you touch.  Successful people don't let unfortunate circumstances or limitations drag them down, and they don't let negative people influence how they are going to act.

Your most powerful attribute is the freedom of choice!  "The difference between ordinary people and extraordinary people is choice.  The freedom of choice is yours alone to leverage or not, no one can grant it to you, and no one can take it away from you."
You are not a product of your conditions; you are a product of your decisions.
 
Want to create more freedom in your life?  Then follow these seven choices you have in your life.


1.        Be a player, not a bystander.  Do whatever it takes to make positive things happen in your life.  Players get joy and meaning through their contributions.  Players have a powerful bond and loyalty to their team, and players strive to win and make a difference.  Players are value-driven people who refuse to compromise their values in order to fit in.
2.       Be accountable It's not they, but you that are responsible for how your life turns out.  Being accountable means not making excuses or complaining, and blaming others for what happens to us.  Making excuses weakens our influence and lowers our self-confidence.
3.       Choose service over self-interest.  Me-first rarely delivers the desired outcome.  When your contribution takes the form of service to others, your work suddenly starts to come alive and meaningful.  But service is more than helping others, being of service is the greatest gift you can give yourself. 
4.       Focus forward.  Your future isn't in the rearview mirror.  The most important thing about you today is not where you've been; it's where you are going.  You need to focus your attention toward what you want to happen in the future in your job, your relationships, your organization, and your life.  Where you focus your energy and attention determines what you see, and what you see has a dramatic effect on your attitude, your demeanor, and your effectiveness.
5.       Play to your genius.  Your work is a statement about you.  Life is what happens to you when you're busy making other plans.  The work you do, in fact, everything you do, is a statement about who you are.  So begin by changing your perceptions about your work.  Look for meaning and value beyond the task itself.  All work has meaning.  All work can make a difference.  Ultimate motivation requires that we have in our minds a noble description of what we do!  Why not choose to make it a masterpiece? 
6.       Get it done.  Success is the reward for those who make a difference.  Great companies elevate and protect people who champion a culture of results.  MVP's get it done.  They don't make their bosses do their thinking for them, they don't make coworkers carry the load.  They always look for something new to bring to the table.  Create vitality, energy, and "buzz".
7.       Risk more gain more.  The world isn't changed by those who are unwilling to take a risk.  Dream big, not to escape life, but to keep life from escaping you.  If life is the only game in town, then why aren't you playing like there's no tomorrow?  Be a game changer.  They get all the attention.
 
"Your life is not a dress rehearsal.  Your life is now."  Do something that makes a difference in your life.  Choosing to follow these seven choices can make difference in your life.  Start today. 


If you need help with your business take the time to call a SCORE Counselor.  A SCORE Counselor can help you solve problems and plan for the future. Contact SCORE at 314-539-6600 Ext. 242, M-F 10am to 3pm or go to
www.stlscore.org.
 


  Upcoming Events

SCORE Chapter 21 Monthly Seminars
 Improve Your Business!  REGISTER NOW

"How to Start and Manage Your  Own Business"

Saturday, April 18, 2009
8:15 A.M. to 3 P.M    Fee - $50.00
Meramec Community College
Register Now!

Upcoming SCORE Seminars
  "How to Start and Manage Your Own Business"

May 16, 2009     St. Louis C.C. @ Meramec

 
 
SCORE Workshops

Patents, Trademarks,  Copyrights
March 28, 2009
9:30 am to 11:30 am
Registration Fee $30
  Sign Up NOW!

Enterprise Risk Management  
April 25, 2009
9:00 to 12:00 pm
Registration Fee $40

Workshop Location
St. Charles Economic Development Center
5988 Mid Rivers Mall Drive
St. Charles, MO 63304
636-447-5000

To learn more about any of these courses and dates,
times and how to register-
CLICK HERE



The Recovery Act -

The Stimulus Program is now
called the American Recovery and Reinvestment Act - or just the "Recovery Act."

 
The purpose of  this legislation  is to get money in the hands of small businesses where it can be used
to get our economy going again.  Many details are still being worked   on, but what we know is summarized below.   
  • The SBA will temporarily eliminate or reduce fees  through September   30, 2010.
  • The SBA will raise loan guarantees to as much as 90 percent for some  loans.
  • A new program called Business Stabilization Loans   is being initiated.  Loans up to $35,000 will be made to viable small  businesses that are undergoing immediate financial hardship and that need the money to make payments on an existing qualifying loan.   Payment can be deferred and the loans are 100% guaranteed.
  • Funding for the Microloan program is being increased. This program  provides loans up to $35,000.
  • The SBA will use the 504 Certified Development Company program to refinance existing loans for fixed assets.
  • The SBA-licensed Small Business Investment Companies (SBICs) will be permitted increased investment in small businesses.
  • The maximum contract amount that can be covered by an SBA guaranteed surety bond will be raised from $2 million to $5 million.
  • Tax breaks are extended under the Recovery Act by extending provisions that were slated to expire.
   For more information about SBA's part in small
  business recovery go to:
   www.sba.gov/recovery.  Or email robert.newman@sba.gov
  with questions on
  the Recovery Act.   


In This Issue
BOOM!...7 Choices for Blowing the Doors Off
Upcoming Events
The Recovery Act -
Resources For You
More on The Recovery Act
 

St. Louis SourceLink

Linking small business to the right resource at the right time.
Quick Links
SCORE St. Louis
National SCORE

SBA National
SBA St. Louis
STL Member Sign In

score logo also


Resources For You

From the SCORE National web site -

A nice selection of business document templates in Word and Excel in the SCORE Business Tools
section.

The  Template Gallery

SCORE's counselors Have developed these  templates to help you plan.

   *********************

   Is your Business in the City of St. Louis? You can find help here from SLDC

"St. Louis Development Corporation (SLDC) is an umbrella, not-for-profit corporation organized under Chapter 355 of the Missouri State Code with the mission of fostering economic development and growth in the City through increased job and business opportunities and expansion of the City's tax base."
 
http://stlouis.missouri.org/sldc/





 
IRS e-News for Small Businesses: a Time Saver for Small Businesses and the Self-Employed 

 





IRS
e-News for Small Businesses offers small businesses and the self-employed a real time-saver. e-News is a bi-weekly newsletter that alerts them to what's new, hot and important for small business owners to know. It's quick to read, easy to subscribe - and it's free.
 
e-News for Small Businesses is the IRS's e-newsletter for businesses with specialized content consisting of:  

*   Important upcoming tax dates for small businesses and the self-employed
*   What's new for small businesses and self-employed on IRS.gov

*  Reminders and tips to assist small businesses with tax compliance

*  IRS news releases and special IRS announcements

*  Direct links to a variety of Web sites and resources

*  Availability of IRS products, services, and training opportunities

Subscribe to e-News for Small Businesses on IRS.gov at
http://www.irs.gov/businesses/small/article/ 0,,id=154825,00.html

Click on "Subscribe Now" and enter your e-mail address.




SCORE
members,

The next  Member meeting will be April 16, 2009. Please plan to attend.

Sign up Now! - For Desk Duty! We have open dates available at St. Patrick's Center, the  Kirkwood branch office or our St. Charles branch office.



Desk Duty Counselors
- Recovery Act information is available at our offices and from the SBA.


 Brought to you by SCORE "Counselors to America's Small Business," a nonprofit association and resourcBetty @ workshope partner with the U.S. Small Business Administration. SCORE is dedicated to entrepreneurship and the formation, growth and success of small businesses nationwide. Since 1964, SCORE has helped more than 8 million entrepreneurs.

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