Supporting Black-Owned Business

We’ve read stats showing that Blacks have a buying power of $1.2 Trillion dollars and that Black women are starting businesses at a faster rate than any other group, but is this enough to change the economic inequalities that plague Black neighborhoods?

This post is part of a network of sites interested with the intersection of small business, the philanthropic sector and government in creating healthy and sustainable communities.

Find additional information and resources on small business grants and loans, home buyer programs and Community Foundation programs from around the world.

The Creative Role That One CDFI Plays in Impact Investing

Antony Bugg-Levine, CEO of the Community Development Financial Institution Nonprofit Finance Fund, manages $80 million of impact investments. He is also the author of Impact Investing: Transforming How We Make Money While Making a Difference.

This post is aligned with a network of sites interested with the intersection of small business, the philanthropic sector and government in creating healthy and sustainable communities.

Find additional information and resources on nonprofit information, educational grants and Civic Engagement programs from around the world.

Helpful Information About Becoming A Better Business Leader

Are you seeking methods to boost your team’s effectiveness inside your business microcosm? That means you have to become a better leader. Even a great leader can find ways to improve, and this article is full of valuable tips that can foster improvement and make you a more effective communicator, mentor and leader. Keep reading to find out more.

When you are a leader, try to keep things as simple as possible. Concentrate on the truly important things first. After doing this, it will be time to set your priorities straight. Always simplify your work if you can. Ensure that you allocate time during your day that you can brainstorm ideas for yourself and those around you.

TIP! Do everything you can to simplify things in your role as leader. Focus on things that are most important.

Do what you can to keep things simple while you’re a leader. Focus on the really important things. Once you have done this, figure out what your priorities are. Simplify everything as far as possible. And set aside real creative thinking moment for you and you team.

Your staff are not psychics. Communicate your expectations precisely when it comes to methods, time frame and strategy. Remember that communication goes both ways. Therefore, if folks need clarification about what you want done, they will be comfortable asking for it.

TIP! Don’t think your staff is able to know what you’re thinking. Let them know exactly how work should be done and when it needs to be completed.

Being ethical is crucial to being a good leader. It is important to have ethics when you are a leader. When customers see that you are working in their best interest, you will build up customer loyalty. Set an example that your employees will follow by being ethical.

Good leaders bring out lots of creativity in their employees. Stepping outside your comfort zone can help you achieve things you never dreamed possible. Be open to innovation and unexpected courses of action. Even if the idea doesn’t work today, it might tomorrow. Allow others to have some say within the big picture.

TIP! Good leaders inspire creativity in their team. When you’re using creative thinking and taking risks, you can have a greater outcome.

Use incentives to encourage good work. Salary is not enough incentive to keep people motivated. Recognize when your employees perform exceptionally well, and reward them with a gift or bonus. A good leader isn’t cheap.

Be as transparent as possible with business issues. Business issues can’t be hidden as they once were. You may be wondering why. Communication is more important in today’s world. The situation will be exposed no matter how much you try to hide it. Control the message as opposed to reacting to it. Great leaders stay on that path.

TIP! Try being transparent when issues come up as often as you can. Although in the past it was common practice to hide business problems, in today’s workforce the best leaders talk about business problems with their team.

Set goals and missions for your entire company. Everyone loves to strive for something, and leaders find ways to position annual goals for their employees. However, it is important that goals are able to be met. Talk about the goals on a regular basis and hold your team members accountable.

Create company-wide goals. Pose annual goals to your team. Avoid establishing goals and ignoring them throughout the remainder of the year. Hold monthly meetings to make sure everyone is still on track and working towards the desired goal.

TIP! Set missions and goals for the entire company. Working towards goals and helping others have goals is what leaders do.

Set team goals high but make sure they are not impossible to reach. Don’t set the team up to fail. Failures like this only serve to promote your inability to lead.

While goals are important for your team, ensure that you do not set impossible goals. You are setting yourself up to be disappointed if the goals are out of reach. This will only serve to show that leadership is not your strong point.

TIP! Don’t set unrealistic goals. This just sets your team up to fail.

Promote diversity in your business. Diversity in your team can give you wider perspectives. Don’t hire people that are exactly like you. This stifles innovation within your team. It also risks failure based on compounding your personal weaknesses.

Build your team into a strong cohesive unit. Be there so that your employees can talk about issues and so you can give your best answers. Let your team have some responsibility, and trust them to handle daily tasks.

TIP! Use your leadership skills for building a great team that works well together. Let your subordinates be honest with you at all times.

Listening to your team is one of the more important skills to have as a leader. Subordinates may hear your goals and begin to take the team in a direction you might not have foreseen yourself. Let your team know what is expected and then listen to their suggestions.

Work hard to make great decisions. Leaders that are good at what they do can decide things well. Sometimes it requires risk taking. Quick decisions, using all your knowledge about a situation, will help to show others you understand and make them want to follow you. Never underestimate your ability to make decisions. Not all of your decisions will pan out and you must learn from those times.

TIP! Get comfortable with decision making. Good decision making skills are the benchmark of great leadership.

You now have a great array of tools in your back pocket that can improve your abilities as a leader. Use them when you need guidance, and also share them so others can excel too. Your company will be better as a result.

Be sincere and full of confidence when working with others. Never be arrogant in your dealings, instead it should be confidence. Arrogance will not get you very far. When you’re sincere, people will understand and trust you a lot more. Insincerity is blatant and noticeable. Always be honest and sincere.

TIP! Have confidence and forthrightness when you interact with subordinates, clients and customers alike. Avoid confusing confidence with arrogance.

Get Fit With These Simple Fitness Tips

One of the biggest battles anyone can face in life is keeping healthy habits and performing healthy activities in a constant routine. Fitness is such a broad topic. Because of this, it can be difficult to know how to begin. This article has some awesome information to help you reach your goals.

Weight training can help people achieve an ideal body weight. There are 6 primary exercises involved in body building: pull ups, push ups, squats, handstands, and bridges.

TIP! When most people think of fitness, they think of a gym packed with elaborate weight-lifting equipment. Understand that an expensive gym membership or fancy equipment may not be necessary to really build muscles.

Doing some simple pushups can be a great way to tone up triceps. Well, not quite average. Instead of the traditional style, a nice angle at roughly 45 degrees with your palms is much better practice. Those triceps will melt like butter then harden like stone beneath the stress of these high-quality push-ups.

Pay upfront at the clubs that you join to gain extra motivation with your fitness plan. You will be more motivated because the money is already spent. This isn’t an appropriate strategy for everyone; don’t bother trying it unless you’re finding it difficult to maintain your motivation.

TIP! Signing up at a gym and paying your yearly fee upfront can give you the motivation to stick to your workout plans. Not getting the full value of what you paid for will likely motivate you to go to the gym more often.

Don’t lift weights for more than an hour at a time. Besides producing cortisol, working out for over an hour actually causes muscle waste. Once 60 minutes has passed, put the weights down and give your body a break.

You need to consider trying different methods when selecting a fitness regimen. There are a multitude of exercises that don’t require you to hit the gym. You need to make sure you are going to enjoy any exercise selected so that you will make the commitment to stick to it.

TIP! Consider unique ways to get fit. There are a large number of activities that you can engage in without using a gym.

Make sure your workouts include a variety of different exercises. This can make your fitness plan more interesting so that you don’t become bored with it day after day. On the practical, physical side, you should know that using the same exercises all the time becomes less and less effective as your muscles grow acclimated to the experience.

If you can’t miss your shows, then put your treadmill in front of the TV. For example, walk briskly in place each time a commercial comes on. When you sit on the couch, you can do some small weight training. You can always squeeze exercise in somewhere.

TIP! Short, frequent bouts of exercise, such as a few minutes during commercial breaks are an effective way to make sure you’re getting a sufficient amount. There are several exercises that can be done right in front of the TV without any thought including walking in place, jumping jacks or sit-ups.

Strength Training

Keep an accurate daily log. Include everything you eat, drink and do. You can even note the day’s weather. Then, you’ll be able to watch for specific patterns that may be affecting your routines. If you slack off on your workout for a couple days, record the reason for this lapse.

TIP! Record each thing you do on a daily basis. Include the food you eat, the beverages you drink, the exercise in which you engage — everything.

Your strength training goals will determine how often you need to work out. If you want more muscle mass, do less strength training. If you want to reduce your fat, increase the intensity and volume of your workout.

Your core affects the way you perform nearly every exercise. A stable, well-toned core can assist you with many of your exercises. Doing sit-ups can help your core to improve. In addition, sit-ups help to improve your body’s range of motion. As a result, your ab muscles will both lengthen and strengthen.

TIP! Having a strong core is very important. Strengthening your core muscle groups can help you with all of your other fitness activities.

Build the strength of your thigh muscles so as to get stronger knees. Torn ligaments behind your kneecap are a sports injury that is quite common. To protect your knees, you must do exercises for your hamstrings and your quadriceps. Examples of exercises to accomplish this are leg extensions along with leg curls.

You can gain more muscle by incorporating more rest into your routine. That will work your muscles harder and improve your endurance too. During your next strenuous workout, shave 3 minutes off of your 30 minute time allotment.

TIP! If you are looking to speed up your strength building, try exercising the same amount but cutting your exercise time by 10%. Speeding yourself up this way will increase your endurance level and force your muscles to exert more effort.

Fitness Goals

To speed up your weight loss, try increasing your workout density. Completing many exercises in a short amount of time will help you get into shape faster. Take shorter breaks during your total workout session or do what you can to skip breaks completely. You will see an increase in the amount of weight you lose.

TIP! To achieve greater weight loss results, turn up your workout’s “density.” You are likely to lose more weight if you do a greater amount of exercise in less time.

Remember that these strategies can help you start reaching your fitness goals. You can then start to reach for even higher fitness goals. Good health is something that takes time, so use the tips you find here on a regular basis to see the best results.

Donkey raises can help you build your calf muscles. These are a particularly good workout for these specific muscles. Have someone sit down on top of your back and then simply raise your calves.

TIP! One great tip for fitness is going to help you strengthen calf muscles; you have to do donkey calf raises. As you might expect from the name, the donkey calf raise is specifically designed to focus on your calves.

Fitness And Your Life: Tips And Tricks To Help

These tips can help you workout more efficiently. Education is key when it comes to getting into shape, the more you know the more you can do to workout. Do your research before you start exercising.

Begin a garden. Many don’t expect gardening to be as difficult as it is. You need to dig, weed, and squat down quite a bit. Gardening is only one thing that can be done at home to stay in shape.

TIP! Plant a garden in your yard. Many people are shocked that working a garden requires a lot of hard work.

In the search for fitness, many people join a gym for access to weight machines. Actually, it is only necessary to do six simple exercises to keep all the muscles in shape. Those exercises are leg raises, push-ups, squats, bridges, pull-ups and handstand push-ups.

You can improve your chances of sticking to your fitness routine by pre-paying for a gym membership for several months in advance. Hopefully by paying all at once in the beginning it gives you the motivation to go to the gym, otherwise you would be losing out on a lot of money. This is a great way to trick yourself into going into the gym if you have trouble attending.

TIP! Signing up at a gym and paying your yearly fee upfront can give you the motivation to stick to your workout plans. If you don’t use the membership, you are likely to feel guilty about wasting money.

Walking is one of the best things you can do if you want to stay fit. To maximize the workout of your calf muscles, put your heel down first and roll forward onto your toes. Swing your arms back and forth with every step, bending at the elbows, to work them out as well.

Try not looking at the normal choices when looking for a workout program. There are more options than just going to a gym available to someone looking for a good way to exercise. Make sure that you enjoy your routine so as to keep yourself motivated.

TIP! There are lots of different ways you can get your daily exercise. There are a large number of activities that you can engage in without using a gym.

Pay several months in advance when you join a gym or fitness club. This will “lock you in”, so to speak, and keep you coming back over time. This is a great way to trick yourself into going into the gym if you have trouble attending.

Always exhale after each repetition. This allows for your body to use more of its energy and also allows for a greater intake of air after you exhale, which will give you more energy in the long run.

TIP! When doing any workout, you should make sure to exhale after every repetition of the given weight. Your body will make use of its available energy, and you will be able to take in more air as a result.

Doing some simple pushups can be a great way to tone up triceps. Try doing a push up with your hands turned in forty five degrees. This exercise is extremely effective.

As the benefits of exercise become better known, the amount of exercise that experts advise you to get has also increased. Usually based on a weekly number from 150 to 300 minutes per week, there remain a variety of options for achieving the health benefits of exercise even if you are short on time. Little things like opting for the stairs over the elevator will really add up to calories burned and muscles worked.

TIP! Devote a few minutes of every day to finding new ways to work exercise into your daily routine. Just a simple action, like climbing your office building stairs every morning, can improve your health tremendously.

Strong thighs are important for preventing knee injury. It’s very common for athletes and people that workout to tear the ligament behind their kneecap. Include strengthening exercises for your quadriceps and hamstrings if you want to protect your knees. Both leg curls and leg extensions strengthen your hamstrings and quads.

The benefits of fitness are not only physical. Regular exercise can also bring emotional benefits. Working out produces endorphins which make you happy. You can also better your self-esteem and confidence by getting in shape. Keep that in mind every time you workout, and that you’re that much closer to true happiness.

TIP! Fitness has many physical and mental benefits. Achieving physical fitness can improve your emotional well being.

Personal Trainer

For those who feel guilty about watching TV, here is a tip that can allow one to exercise while still catching their favorite shows. Exercise while watching television, especially during the commercials to enjoy mindless fitness.

TIP! T

For individuals whose fitness goals include continuous improvement, a personal trainer makes an excellent investment. Not only will a personal trainer have a professional insight to share, but they will give you the motivation to stick with an exercise routine. Your personal trainer can help a lot, but you might not need one.

You should train the way Kenyans do if you want to be a faster runner or have more endurance while running. The Kenyan way of training is to start off slow for approximately a third of the run. The more you run, the faster pace you want to go. When the middle third rolls around, you need to be moving at a normal speed. When you are on your last leg, sprint! By making an effort to stick to this each time you go out, you will find that you are able to run faster and longer than before.

TIP! Do you want to increase your endurance and your speed? Start training like they do in Kenya. Traditionally, Kenyans begin their workouts by running slowly for the first third of their total distance.

Running outdoors is a better exercise than using a treadmill. Although treadmills are especially convenient during the winter months, running outside on pavement is best.

Exercise your back muscles and your front muscles. If you concentrate too much on either your abs or your back muscles, you put yourself at risk for back pain. Working them both out will solve this problem and allow you to continue working out when you want to.

TIP! Make sure that you balance your back and front when working out. If you’re just working out your lower back or just your abdominal muscles muscles, be prepared for back pain.

Many different exercises can help you get fit and keep you motivated. Find what works for you. It shouldn’t be that difficult to build an exercise routine for yourself that you find effective and even fun. You will find fitness very interesting if you start to learn about it.

A good quad exercise is something called a leg extension. Leg extensions can be done by virtually anyone. Your fitness center should have machines to help you. Your leg will be extended upwards while you are in a seated position.

TIP! Leg extensions are wonderful exercises that you can do to build your quadriceps. Leg extensions can be done at the gym, as most gyms have a machine to help with extensions.

SCORE Services to Small Business – An Introduction

In an excerpt from a 2010 interview the SCORE CEO discusses its counseling and workshops offerings to small businesses.

This post is aligned with a network of sites interested with the intersection of small business, the philanthropic sector and government in creating healthy and sustainable communities.

Find additional information and resources on small business grants and loans, home buyer programs and impact investment programs from around the world.

Terrific Tips For Making Public Speaking Easier

Have you spoken in front of a crowd before? Are you familiar with the right way to get through the process? If public speaking is scary to you, know you are among good company. This article is just what you need. Learn how to implement these skills in your life so that you may become a more effective speaker.

Know the length of your speech. This will help you make any edits and time your speech appropriately. If it is not long enough, add a bit of meat to it. Finally, never rush during a speech.

TIP! Time your speech before you give it. Doing this allows you to make sure you stay within the time frame given to you.

When getting ready to make a speech, learn the words of the actual speech first. After you have committed the speech to memory, now is the time you want to perfect your delivery. You will be more comfortable on stage when you have memorized your speech.

When getting ready to make a speech, learn the words of the actual speech first. After you can say it from memory, figure out how you want the delivery to go. Knowing your speech beforehand gives you that flexibility and allows you to be a lot more comfortable.

TIP! When preparing to speak in public, make sure to memorize your words well in advance. After you have committed the speech to memory, now is the time you want to perfect your delivery.

You need to be properly prepared when you have a speaking engagement. Understand exactly what you are planning to say. Conduct additional research so you are able to back up your points. Write down everything you are going to say. Rehearse your comments until you master them. Good preparation permits you to enjoy a feeling of confidence when you deliver your speech.

Make sure to understand what you are saying. Have a broad general knowledge of the topic including statistics, facts and anecdotes. Gauge how your audience is reacting to your speech and use these things in a good way. In addition, you can rely on them during the question and answer period or during follow-up conversations.

TIP! Learn as much as you can about the subject you are presenting. Even when you memorize your speech, it is good to know facts, figures and even jokes and stories related to your topic.

Speaking the truth in sort of a story form helps make public speaking less complicated and more effective. Before you speak outline the story. Your story should sound very credible. If your story is one that is modeled after a true story, you will be both natural and believable.

Always look at your audience when speaking. Do not permit other things that may be occurring in the room to distract you. You must command the attention of your audience.

TIP! When you give a speech to a crowd it is important that they can see your face. Don’t turn your attention elsewhere.

If you accidentally skipped over a sentence, forget it and keep going. Stopping and returning to the sentence may ruin the entire speech. In addition, others are unlikely to recognize the omission if you don’t draw attention to the issue.

After you know your speech inside and out, practice it! This will give you the chance to adjust your speech as necessary. Also master breathing and pace. Give yourself some pause time after making key points. If you can, go over your speech where you will be delivering it.

TIP! Practice your speech frequently once you have it memorized. Try to get in at least one practice session a day for the entire week before giving your speech.

Use deep breathing techniques to assuage your anxiety with regard to public speaking. Deep breaths that are taken slowly in and out can calm you. Breathe in for four seconds and then breathe out. Repeat this breathing technique five times to help calm your nerves.

Focus on telling true stories to help improve your public speaking. Make sure to outline your speech. A well-rounded story will have the audience know when you begin and when it ends. Base your story on an actual event to make your words seem natural and real.

TIP! If you talk about something that really happened in your speech, it will make it more meaningful. Prior to the day of your speech, make an outline of your story.

You have the power to make yourself into a confident speaker. Apply this advice to achieve success. Practicing a lot can help make it easier for you. Look back at this article when you need a refresher. Before long, you’ll be speaking with confidence and ease.

You should practice your speech repeatedly. Speak to a mirror or make a recording of your speech in order to make refinements. Also, get feedback from friends by practicing your speech for them.

TIP! You should practice your speech repeatedly. Try using a mirror or tape recorder to help you hear and see yourself during practice sessions.

Getting Your Point Across: Simple Public Speaking Tips

Many people avoid public speaking due to fear. In fact, public speaking is feared by the majority of the population. These suggestions will assist you in working through your fears and help you to become a great public speaker.

You can’t speak before an audience and think that others will automatically know what you’re saying. You have to work at getting attention and work hard to keep it. This is actually a type of performance, and that means that you must work hard to obtain the desired results.

TIP! Your audience will not remain attentive unless you work to keep them listening. Strive to find ways to engage them.

People won’t automatically pay attention to what you have to say. You need to fight for their attention and respect. This is actually a type of performance, and that means that you must work hard to obtain the desired results.

If you want others to get the most from your speech, make sure to prepare. Have an idea of the message you are trying to get across. If you’re unsure of a fact, do your research before adding it to your speech. Jot down the things you wish to convey. Keep practicing your words until they are embedded in your memory. Solid preparation gives you confidence for the speech itself.

TIP! The key to a good speech is preparation. Get everything you want to share in your speech down well.

Make sure your speech is memorized. After you are able to do the speech from memory, you will be able to refine your delivery. Knowing your speech beforehand gives you that flexibility and allows you to be a lot more comfortable.

Make sure you know your material completely. Don’t just memorize words, understand facts and even have a relevant story or joke on hand. If you have time, you can add in some of these things throughout your speech as needed. In addition, you can rely on them during the question and answer period or during follow-up conversations.

TIP! It’s vital to know about everything that you will be talking about during a speech. It’s good to have figures, facts, and stories about your topic that you can bring up with ease.

Make sure you know your material completely. Even when you memorize your speech, it is good to know facts, figures and even jokes and stories related to your topic. Pay attention to how your audience is responding. It will also make you better prepared for any questions.

Always look at your audience when speaking. Do not become distracted by other things that may be happening nearby. If you are distracted, your audience will be also.

TIP! Always face the audience consistently when speaking in public. Never allow yourself to be distracted by anything else that is going on in the room.

Practice your speech repeatedly. You’ll get smoother at your speech by practicing it often. Yoiu can also practice good breathing techniques as you speak. Be certain your speech timing allows for potential applause or other interruptions. If you can, use the same equipment for practice that you will use when giving your actual speech.

Practice your speech frequently once you have it memorized. Try to get in at least one practice session a day for the entire week before giving your speech. Practice your pace and breathing. Be sure to allow time in your speaking for pauses or interruptions, which you hope to be audience applause. Practice your speaking in the environment where you will give your speech.

TIP! Practice your speech frequently once you have it memorized. Work on issues where you lose your flow.

Learn your audience. Look to see if you know anyone in the audience. Try and say hello to people as the enter the area and ask their names. Having some familiarity with some of your audience members can make it seem more friendly.

Know who your audience is. If you can, find out who is attending the event. If possible, greet them as the enter the room and ask their names. Feeling comfortable and familiar with some individuals in the audience makes the process much friendlier.

TIP! Understand who your audience is. If you can, find out who is attending the event.

Familiarize yourself with the room you are using to give your speech. Learn how far your voice carries if there is not a microphone. Practice using any equipment you need so that you know how it works. Utilize any visual aids around. Look at how far away the entire audience will be.

Know your audience when giving a speech. Understand the distance your voice can travel. If there is equipment you’ll be using, learn about it before the speech. Use visual aids effectively. Get an idea of how much range of eye contact you need to make.

TIP! Know your audience when giving a speech. Determine if your voice will carry well without a microphone.

If you hope to speak in public with confidence, then it is critical that you know your material. Your topic should be something that you are genuinely interested in and have experience with. Make sure that you have a carefree, conversational tone.

Dress well, even if you are speaking at an event that is casual. If you look and feel sharply dressed, your speaking will reflect it. Men ought to wear a tie since it makes the audience focus on his face and thus, his speech.

TIP! Dress to impress, even for casual speeches. If you feel that you look good, your speaking will reflect that.

Public Speaking

It is important to know your material if you want to feel confident about speaking in public. Talk about something that you like and that you already know a little about. Keep your tone conversational and you’ll impress your audience with your knowledge instead of confusing them with complicated jargon.

TIP! Know your material. Pick something that is interesting to you.

Were you a student who never raised your hand in a classroom because public speaking in front of a group of people filled you with dread? Do you shut down when you are on stage? Your new knowledge of the above material should give you the confidence to start public speaking today.

Prepare with note cards if you need to. Having a copy of your speech is a good idea, even when you have the speech memorized. You don’t need all of it, but having the main points will help make sure you don’t leave anything out.

TIP! Use note cards if necessary. You should certainly memorize your speech, but it is helpful to have notes with you as well.

Grants From The Department of Commerce

The Department of Commerce was initially created to manage and regulate the country’s economy. The mission of the department is to “promote job creation and improved living standards for all Americans by creating an infrastructure that promotes economic growth, technological competitiveness, and sustainable development.”

This post is aligned with a network of sites interested with the intersection of small business, the philanthropic sector and government in creating healthy and sustainable communities.

Find additional information and resources on small business grants and loans, home buyer programs and impact investment programs from around the world.

Small Business Development Centers – An Introduction

Small Business Development Centers are partnerships between universities and the Small Business Administration, to provide management and technical assistance to businesses on a very large scale.

This post is aligned with a network of sites interested with the intersection of small business, the philanthropic sector and government in creating healthy and sustainable communities.

Find additional information and resources on small business grants and loans, home buyer programs and impact investment programs from around the world.