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  • Answer Upon - Writing Your Own SBA 8a Social Disadvantage Narrative

    Insurance Strategies and Considerations for Car Wash Fundraisers
    If you are considering a car wash fundraiser for your nonprofit group perhaps you are worried that someone might slip and fall on the water and sue your nonprofit group, which already does not have the money it needs to survive hardly. Did you know you can buy one day event insurance in case something were to happen.Many nonprofit groups that are involved in sports organizations use the city's insurance as part of the park and recreation district. Many sports teams that are associated with the school are able to use the school's insurance. But when you are doing an off-campus carwash fundraiser in a business district and a business owner allows you to use their property you might be shocked to find out that their insurance will not cover you and your volunteers.In fact sometimes you are automatically accepting liability in having the car wash fundraiser based on your request to use a property. Event insurance is not too expensive and you can usually get for between 50 and $75.Perhaps
    e tips to make the process a little less painful. Let me preface this with why I mentioned “pain”. If you are like me, deciding to become an entrepreneur was a decision that evolved from your life experiences. Perhaps you worked for many years in companies and were not satisfied with the people you reported to or the salary you were paid. Your decision to start your own business was built upon opportunities that came your way or that you were denied.

    As you start to go through these very personal questions, you may feel a full range of emotions erupt including: Anger, Fear, Frustration, Mental Pain, Anguish, Sorrow, Doubt

    Why do I mention this? Because I experienced these emotions when I wrote my narrative and I want you to be prepared. Creating this document is like opening old wounds, remembering “bad stuff” and reliving events you really don’t want to dwell on.

    If you are a strong person, this can be even more painful, because if you are like me, you focus on the “glass that is half-full, not the half-empty glass”. You worked through these bad times to make a better life for yourself. And it is so frustrating to recount times that you did not win, those times you were bypassed

    Yellow Page Ads No-No's -- Part 3
    If you have a Yellow Page ad and think it’s doing it’s job, think again. After all, when was the last time you tracked the results? In fact, before you even placed the ad, did you pass a copy around to employees, friends, relatives and total strangers to get a reaction? That’s your first problem. Then, did you set up a tracking device like a special phone number within the ad to measure the number of responses? Receiving feedback on an ad is as important as the ad itself. Without it, how do you know how well it’s working?Say you spend $500 a month and think you get about ten customers, valued at $200 each. You figure that the ad is generating $2000 a month, or a four to one rate of return. That’s pretty good, right? Well, what if I told you that in your particular heading, say plumbing, the average rate of return for your size ad is ten to one. You would be surprised and annoyed, correct? And you should be. The ad is failing to get the best return. But then again, you didn’t get a pre-printing test gro
    Background

    Did you know that of the thousands of SBA 8a companies, there are only about 750 firms that are owned by caucasian women? Is is impossible to get certified? No. You just need to do your homework.

    Here is what the Small Business Administration (SBA) has to say...
    Who is considered socially disadvantaged?
    According to the SBA Web site: http://www.sba.gov/8abd/indexfaqs.html

    “Socially disadvantaged individuals are those who have been subjected to racial or ethnic prejudice or cultural bias because of their identity as members of a group. Social disadvantage must stem from circumstances beyond their control."

    In the absence of evidence to the contrary, individuals who are members of the following designated groups are presumed to be socially disadvantaged:
    • Black Americans
    • Hispanic Americans
    • Native Americans (American Indians, Eskimos, Aleuts, and Native Hawaiians)
    • Asian Pacific Americans
    • Members of other groups designated by the SBA.” (this includes Caucasian women)

    What evidence must an individual who is not a designated group member provide to show social disadvantage?
    ”At least one objective distinguishing feature that has contributed to social disadvantage, such as race, ethnic origin, gender, physical handicap, long-term residence in an environment isolated from the mainstream of American society, or other similar causes not common to individuals who are not socially disadvantaged" - SBA Web site

    What types of evidence can be used to assist in meeting the burden of proof?
    Evidence which tends to show generalized patterns of discrimination against a non-designated group or statistical data showing that businesses owned by a specific non-designated group are disproportionately underrepresented in a particular industry may be used to augment an individual's case. Statistics and generalized patterns are not sufficient by themselves to establish a case of individual social disadvantage. “However, an individual's statement of personal experiences in combination with the generalized evidence may be sufficient to demonstrate social disadvantage.” – SBA Web site

    You can write your own narrative!
    Now that you know the fundamentals of the SBA 8a program, it is time to start thinking about writing your social narrative. Starting an extensive Internet research, I located several companies that would help me prepare the whole packet (which I didn’t need the whole service) or the narrative but, the prices were outrageous! My budget would not justify hiring these consultants for hundreds or thousands of dollars. After recovering from sticker shock, I was even more determined to complete this narrative as a personal challenge.

    So I invested over 80 hours of in-depth personal research, interviewing recent 8a designees and compiling a list of criteria to include in my social narrative. Coming from a project management background, I kept notes on all of the processes, resources and tips. After organizing my materials, I produced a seven page narrative and submitted it electronically to the SBA. In about a week, my company received 8a status.

    There are three areas the SBA wants to see evidence of discrimination: education, employment and business work history. You can put together a compelling argument for your cause, just like I did, by focusing on four areas in your life. They are:

    Family Background / Influence: It is relevant to start your narrative with a background history of your family and its influence upon your education, career and business endeavors. Describe the influence your family exerted on your career decisions. What were you expected to do with your life / career? What types of careers did your parents, siblings, grandparents or extended family members pursue? How did this differ from what you wanted to achieve later in life?

    Educational Background / Opportunities: Educational experiences directly influence your ability to make career choices. Describe your educational background. Did you complete high school? Do you have a college degree? Where did you attend school? How long did it take you to complete your education?

    Career Experience / Earning capacity: Career experiences directly influence your earning capacity and overall quality of life. Can you give an example of when you were subjected to harassment in your work environment that had a dramatic negative affect on your overall job performance?

    Business History / Your experience as a small business owner since applying for and receiving SBA 8a status can be a great boost to your company’s income.

    Be prepared to live through some personal pain
    Before you begin to write in your journals, here are some tips to make the process a little less painful. Let me preface this with why I mentioned “pain”. If you are like me, deciding to become an entrepreneur was a decision that evolved from your life experiences. Perhaps you worked for many years in companies and were not satisfied with the people you reported to or the salary you were paid. Your decision to start your own business was built upon opportunities that came your way or that you were denied.

    As you start to go through these very personal questions, you may feel a full range of emotions erupt including: Anger, Fear, Frustration, Mental Pain, Anguish, Sorrow, Doubt

    Why do I mention this? Because I experienced these emotions when I wrote my narrative and I want you to be prepared. Creating this document is like opening old wounds, remembering “bad stuff” and reliving events you really don’t want to dwell on.

    If you are a strong person, this can be even more painful, because if you are like me, you focus on the “glass that is half-full, not the half-empty glass”. You worked through these bad times to make a better life for yourself. And it is so frustrating to recount times that you did not win, those times you were bypassed f

    American Idol Syndrome
    I like Simon, one of three judges on American Idol. I find his feedback refreshingly honest. And while his words startle me with their ego wounding potential, the traditional feel-good, let-you-down-easy, sugar-coated feedback is not much of a gift. It’s hard to tell someone they’re not good enough and their dreams are not going to happen, at least in this venue. But not telling them is no gift either. Some contestants rise to the challenges he throws at them. Some don’t. And, some can’t. Which one are you?The people who influenced me most in my career were those who gave me the hardest critiques. Stricken with a bruised-ego for days, or on occasion for months, inevitably their feedback helped me make the right life choices to improve, change direction, or stay the course with intensity. In fact, the boss who was the hardest on me is the one I thank the most. Good was not good enough if I was capable of better, and she was quick to point out when that was. No sugar coating from her. And the funny thing
    tinguishing feature that has contributed to social disadvantage, such as race, ethnic origin, gender, physical handicap, long-term residence in an environment isolated from the mainstream of American society, or other similar causes not common to individuals who are not socially disadvantaged" - SBA Web site

    What types of evidence can be used to assist in meeting the burden of proof?
    Evidence which tends to show generalized patterns of discrimination against a non-designated group or statistical data showing that businesses owned by a specific non-designated group are disproportionately underrepresented in a particular industry may be used to augment an individual's case. Statistics and generalized patterns are not sufficient by themselves to establish a case of individual social disadvantage. “However, an individual's statement of personal experiences in combination with the generalized evidence may be sufficient to demonstrate social disadvantage.” – SBA Web site

    You can write your own narrative!
    Now that you know the fundamentals of the SBA 8a program, it is time to start thinking about writing your social narrative. Starting an extensive Internet research, I located several companies that would help me prepare the whole packet (which I didn’t need the whole service) or the narrative but, the prices were outrageous! My budget would not justify hiring these consultants for hundreds or thousands of dollars. After recovering from sticker shock, I was even more determined to complete this narrative as a personal challenge.

    So I invested over 80 hours of in-depth personal research, interviewing recent 8a designees and compiling a list of criteria to include in my social narrative. Coming from a project management background, I kept notes on all of the processes, resources and tips. After organizing my materials, I produced a seven page narrative and submitted it electronically to the SBA. In about a week, my company received 8a status.

    There are three areas the SBA wants to see evidence of discrimination: education, employment and business work history. You can put together a compelling argument for your cause, just like I did, by focusing on four areas in your life. They are:

    Family Background / Influence: It is relevant to start your narrative with a background history of your family and its influence upon your education, career and business endeavors. Describe the influence your family exerted on your career decisions. What were you expected to do with your life / career? What types of careers did your parents, siblings, grandparents or extended family members pursue? How did this differ from what you wanted to achieve later in life?

    Educational Background / Opportunities: Educational experiences directly influence your ability to make career choices. Describe your educational background. Did you complete high school? Do you have a college degree? Where did you attend school? How long did it take you to complete your education?

    Career Experience / Earning capacity: Career experiences directly influence your earning capacity and overall quality of life. Can you give an example of when you were subjected to harassment in your work environment that had a dramatic negative affect on your overall job performance?

    Business History / Your experience as a small business owner since applying for and receiving SBA 8a status can be a great boost to your company’s income.

    Be prepared to live through some personal pain
    Before you begin to write in your journals, here are some tips to make the process a little less painful. Let me preface this with why I mentioned “pain”. If you are like me, deciding to become an entrepreneur was a decision that evolved from your life experiences. Perhaps you worked for many years in companies and were not satisfied with the people you reported to or the salary you were paid. Your decision to start your own business was built upon opportunities that came your way or that you were denied.

    As you start to go through these very personal questions, you may feel a full range of emotions erupt including: Anger, Fear, Frustration, Mental Pain, Anguish, Sorrow, Doubt

    Why do I mention this? Because I experienced these emotions when I wrote my narrative and I want you to be prepared. Creating this document is like opening old wounds, remembering “bad stuff” and reliving events you really don’t want to dwell on.

    If you are a strong person, this can be even more painful, because if you are like me, you focus on the “glass that is half-full, not the half-empty glass”. You worked through these bad times to make a better life for yourself. And it is so frustrating to recount times that you did not win, those times you were bypassed

    Business Productivity: Are These 7 Strongholds Blocking Your Success?
    Quite often, personal strongholds greatly attribute to the failure of a business. However, if we examine some close-knit areas in our lives, we might easily recognize that some of these elements could be blocking our business and personal successes.Metaphorically speaking, a stronghold is like a ball and chain in control. It grips, slows you down, stifles and holds you hostage. You will need to weed out, throw out and push out any “thing,” any “body,” any “addiction” or any “situation” that’s smothering, debilitating, controlling or killing your spirit. If your spirit is destroyed, then any thought of productivity in every area of your life dies, unless “you” turn the tables. Some costly strongholds are among these top 7 reasons:1. Negative thoughts and destructive attitudes: Devoting too much time and energy on what isn’t working or hasn’t worked, instead of accentuating your assets and making things happen, is harvesting negativity. Once you pinpoint why something isn’t working, quickly
    veral companies that would help me prepare the whole packet (which I didn’t need the whole service) or the narrative but, the prices were outrageous! My budget would not justify hiring these consultants for hundreds or thousands of dollars. After recovering from sticker shock, I was even more determined to complete this narrative as a personal challenge.

    So I invested over 80 hours of in-depth personal research, interviewing recent 8a designees and compiling a list of criteria to include in my social narrative. Coming from a project management background, I kept notes on all of the processes, resources and tips. After organizing my materials, I produced a seven page narrative and submitted it electronically to the SBA. In about a week, my company received 8a status.

    There are three areas the SBA wants to see evidence of discrimination: education, employment and business work history. You can put together a compelling argument for your cause, just like I did, by focusing on four areas in your life. They are:

    Family Background / Influence: It is relevant to start your narrative with a background history of your family and its influence upon your education, career and business endeavors. Describe the influence your family exerted on your career decisions. What were you expected to do with your life / career? What types of careers did your parents, siblings, grandparents or extended family members pursue? How did this differ from what you wanted to achieve later in life?

    Educational Background / Opportunities: Educational experiences directly influence your ability to make career choices. Describe your educational background. Did you complete high school? Do you have a college degree? Where did you attend school? How long did it take you to complete your education?

    Career Experience / Earning capacity: Career experiences directly influence your earning capacity and overall quality of life. Can you give an example of when you were subjected to harassment in your work environment that had a dramatic negative affect on your overall job performance?

    Business History / Your experience as a small business owner since applying for and receiving SBA 8a status can be a great boost to your company’s income.

    Be prepared to live through some personal pain
    Before you begin to write in your journals, here are some tips to make the process a little less painful. Let me preface this with why I mentioned “pain”. If you are like me, deciding to become an entrepreneur was a decision that evolved from your life experiences. Perhaps you worked for many years in companies and were not satisfied with the people you reported to or the salary you were paid. Your decision to start your own business was built upon opportunities that came your way or that you were denied.

    As you start to go through these very personal questions, you may feel a full range of emotions erupt including: Anger, Fear, Frustration, Mental Pain, Anguish, Sorrow, Doubt

    Why do I mention this? Because I experienced these emotions when I wrote my narrative and I want you to be prepared. Creating this document is like opening old wounds, remembering “bad stuff” and reliving events you really don’t want to dwell on.

    If you are a strong person, this can be even more painful, because if you are like me, you focus on the “glass that is half-full, not the half-empty glass”. You worked through these bad times to make a better life for yourself. And it is so frustrating to recount times that you did not win, those times you were bypassed

    Interpersonal Skill Building -- Yank The Suckers & Weeds
    According to the National Gardening Association, suckers are rapidly growing shoots rising from an underground root or stem, often to the detriment of the tree. They can be very irritating and annoying for they bear no flowers or fruit. Rather than cut them off, one way to get rid of them is to roughly yank the suckers off to remove the cells and tissues that cause re-growth.Even if you are not a gardener, you know a lot about weeds. They are everywhere and tend to take over, crowd a plant’s root system, and provide a chaotic and unsightly mess. While there are many kinds of weed-killer sprays on the market, orchard growers hesitate to use them for fear of damaging the trees.Unfortunately, businesses have suckers and weeds too. These unattractive thieves rob the organization blind by ruining its competitive advantage, and choking and stifling its people. To avoid these outcomes, try applying a heavy layer of protective interpersonal mulch to effectively stop all but the most persist
    ess endeavors. Describe the influence your family exerted on your career decisions. What were you expected to do with your life / career? What types of careers did your parents, siblings, grandparents or extended family members pursue? How did this differ from what you wanted to achieve later in life?

    Educational Background / Opportunities: Educational experiences directly influence your ability to make career choices. Describe your educational background. Did you complete high school? Do you have a college degree? Where did you attend school? How long did it take you to complete your education?

    Career Experience / Earning capacity: Career experiences directly influence your earning capacity and overall quality of life. Can you give an example of when you were subjected to harassment in your work environment that had a dramatic negative affect on your overall job performance?

    Business History / Your experience as a small business owner since applying for and receiving SBA 8a status can be a great boost to your company’s income.

    Be prepared to live through some personal pain
    Before you begin to write in your journals, here are some tips to make the process a little less painful. Let me preface this with why I mentioned “pain”. If you are like me, deciding to become an entrepreneur was a decision that evolved from your life experiences. Perhaps you worked for many years in companies and were not satisfied with the people you reported to or the salary you were paid. Your decision to start your own business was built upon opportunities that came your way or that you were denied.

    As you start to go through these very personal questions, you may feel a full range of emotions erupt including: Anger, Fear, Frustration, Mental Pain, Anguish, Sorrow, Doubt

    Why do I mention this? Because I experienced these emotions when I wrote my narrative and I want you to be prepared. Creating this document is like opening old wounds, remembering “bad stuff” and reliving events you really don’t want to dwell on.

    If you are a strong person, this can be even more painful, because if you are like me, you focus on the “glass that is half-full, not the half-empty glass”. You worked through these bad times to make a better life for yourself. And it is so frustrating to recount times that you did not win, those times you were bypassed

    Enjoy Procrastinating, and Get The Job Done Anyway - 7 Steps
    1. Choose a task you have been meaning to get done but never seem to get around to doing. You must be able to see and touch something that represents this task to you. It could be a note about making a phone call or a file folder containing everything you need to start writing a report, or a stack of material you have been meaning to file. 2. Pick up the object, the note, the stack, the paint can…whatever it is. Preferably pick it up 10 times a day; but at least once a day. Hold it and look at it. 3. Say aloud the following words. “I don’t want to...(fill in the blank with words similar to these the following)...call this client (specify his/her name), fill out this form, write this check to (specify the name)." "Nobody can make me...(say again what you are not doing.)" "I will do...(say what it is once more) when I am damm good and ready to do it!" 4. Pay attention to your creative (or resistant) thoughts as you do this process. Laughing, giggling, or stomping your feet du
    e tips to make the process a little less painful. Let me preface this with why I mentioned “pain”. If you are like me, deciding to become an entrepreneur was a decision that evolved from your life experiences. Perhaps you worked for many years in companies and were not satisfied with the people you reported to or the salary you were paid. Your decision to start your own business was built upon opportunities that came your way or that you were denied.

    As you start to go through these very personal questions, you may feel a full range of emotions erupt including: Anger, Fear, Frustration, Mental Pain, Anguish, Sorrow, Doubt

    Why do I mention this? Because I experienced these emotions when I wrote my narrative and I want you to be prepared. Creating this document is like opening old wounds, remembering “bad stuff” and reliving events you really don’t want to dwell on.

    If you are a strong person, this can be even more painful, because if you are like me, you focus on the “glass that is half-full, not the half-empty glass”. You worked through these bad times to make a better life for yourself. And it is so frustrating to recount times that you did not win, those times you were bypassed for promotions and this negativity dredges up anger and self-doubt. But it is only temporary pain and think of it as a positive reinforcement that you made the right choice to build your own business.

    With that said…. Here is another tip… I could only write and answer a few questions at a sitting. While you do need to set a time limit on getting this document prepared, give yourself a break and write on it until you start to feel too emotional. Stop and come back later to continue writing. Keep the tissues nearby and decide that when you complete this task you have earned a little reward: Starbucks coffee, new earrings, or a pedicure.

    Here are the two key points to remember as you prepare the narrative:

    1. Think of this as a writing exercise: Plan on spending at least 3-4 hours writing, editing and preparing the final narrative. This is just a paper, don’t stress!

    2. Put on your Whiner Cap: This is the one time that it is OK to be a whiner. I know that this goes against all that you have taught, but in this case, to be a winner, you must be a whiner. You have permission to whine and write about it.

    And finally.... be sure to add some quotes to your narrative. One way to add credibility to your narrative is to use quotes from studies what support your claims. The Internet is full of quotes that relate directly to your personal situation. I used eight quotes in my seven page narrative.

    The best way to find quotes is to do a Google search www.google.com on key words that you want to emphasize in your narrative. For example I used the following descriptors:
    • women salaries
    • women education
    • Texas women careers

    I hope you are inspired to now begin writing your social narrative. If you need additional help, please refer to the Design2Train website: www.design2train.com/sba8a/index.html

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