Community Economic Development Fund

Recorded Seminars and Presentations

You Gotta Know Your Numbers

Seeking financing for a small business in the coming months with a bank or nonprofit lender like CEDF? Confused about when equity is the right choice?  Tempted by “easy” solutions like internet lenders or merchant cash advance programs?

Or are you simply curious as to what the steps are to fund your venture? Learn how to polish up your proposal for success.

Making crucial business decisions without knowledge of, or checking key financial indicators is like flying an airplane with no instruments – in the fog.

Do you know how to calculate your breakeven point? Your cost of goods sold? What about the value of your business?

This webinar will expose the importance of using key indicators to help you improve your cash position, your profits and make plans in both favorable and adverse circumstances over the coming month, quarter or remainder of the year.

Think you know your numbers already? It’s time to rerun the calculations.

 

Tom Maier spent years working for a $100 million estate composed of many small businesses, from hotels and concrete plants to radio stations. Tom also spent 11 years as an executive for the network division of a $200 million telecommunications company. He gained additional expertise working in large plants of a major consumer product manufacturing company and very small chemical industry plants. In each case, he helped the local management in all aspects of the business, ultimately increasing profitability. Tom is the principal for ActionCOACH in Connecticut, a leading international coaching company for small and medium businesses His company provides practical, proven methods to grow profits within a network of more than 300 coaches worldwide.

 

How to Finance your Small Business

Seeking financing for a small business in the coming months with a bank or nonprofit lender like CEDF? Confused about when equity is the right choice?  Tempted by “easy” solutions like internet lenders or merchant cash advance programs?

Or are you simply curious as to what the steps are to fund your venture? Learn how to polish up your proposal for success.

Get the inside story on applications, documentation and business plans.

Learn the fine points concerning:

-- What lending institutions consider when evaluating your application.
-- What important information you must include in your business plan.
-- The difference between banks and nonprofit lender requirements.
-- Financing decisions that can cripple or destroy a small business.
-- And more essential knowledge to prepare you for the cruel, unforgiving business world.

Frederick Welk is a CEDF business advisor and serves as director of education and communications. Before joining the organization, he spent more than 30 years in specialty retailing and franchise development, operating his own company for 23 years.

 

Maximizing COVID-19 Tax Savings & PPP Forgiveness  

A flurry of legislation surrounding the COVID-19 crisis has brought assistance programs and changes to tax policy that provide opportunities for savings for businesses at a time when every little bit helps. While some of the provisions are straight-forward, others will require a discussion with your tax advisor. This webinar will help you understand when and why you may need help.

Ed Muenzner, CPA, has worked in the accounting profession since 1995. He says the best jobs that he has ever had is his current jobs: teaching and serving my clients. Ed spends most of his time working with clients doing tax projections, planning, tax review, business planning and consulting, staff development, and training. Ed serves as Professor and Program Coordinator of Accounting at Three Rivers Community College.

 

Harnessing the Power of Positive Thinking  

Our thoughts and related self-talk particularly during times of uncertainty determine how we feel both physically and emotionally. When we choose a positive, hopeful mindset, our overall capacity to navigate uncertainty improves on nearly every level. In this highly engaging webinar, participants explore a wide range of proven techniques for being able to harness the power of positive thinking both in and out of work.

David O’Brien is president of CT-based WorkChoice Solutions. For 20 years he has been helping businesses improve leadership and team effectiveness through training, coaching and consulting. David works with companies of all sizes to bring about sustainable improvements in effectiveness. His books, The Navigator’s Handbook, 101 Leadership Lessons for Work & Life and The Navigator’s Compass, 101 Steps Toward Leadership Excellence is available online and in bookstores nationwide.

 

Motivating Employees on a Budget  

Are you a small business owner on a tight budget? Are you losing your top talent to the competition? Understand how to keep employees engaged and satisfied without increasing salary costs. This interactive session will focus on what your employees are not telling you but secretly wish you knew. Participants will learn new cutting-edge ideas on building a culture of appreciation and leave with a customized plan that you can put into place.

Jean Mix has more than 20 years of experience in corporate training and educational services. She has served a variety of clients, customizing educational sessions to meet customer needs. Jean has customized programs with audiences from youth to corporate executives. Her areas of expertise include corporate communications, change management, negotiation skills, team building, communication coaching, and student readiness.

 

Pivoting your Business During the Pandemic 

Businesses have been forced to implement innovative strategies to provide their products and services and stay engaged with their business communities. This can be especially challenging with limited funding, resources, and opportunities. Content strategist Samantha Williams, who serves as Entrepreneur-in-Residence for the New Haven Free Public Library, will share practical changes you can make to stay connected with your customers while social distancing.

 

Managing Your Finances During a Crisis 

The COVID-19 crisis is forcing changes on every American. Consider taking the right management steps to stay on track. Have you set up or updated your personal or business budget? Are you looking beyond the obvious ways to save money and preserve business assets? When wage income or business revenues dry up, the natural reaction is to borrow money to maintain your altitude. Do you have a plan to manage debt wisely? This webinar will help you navigate the uncertainty and prepare for recovery.

Katherine “Katie” Farrington
Relationship Manager, Vice President, Key Bank 

Analisha (Ana) Gois
Key@Work Relationship Manager Connecticut/Massachusetts Market

Download presenter's slides.

 

Pitfalls of Worker Misclassification 

Misclassification of workers creates a minefield for Connecticut employers in Connecticut. This webinar will review the requirements of appropriate classifications. 

Download presenter's slides.

 

Twelve Tips for Getting a Small Business Loan 

Understanding how things look from the lender’s point of view can help prepare a small business for a successful effort to raise debt capital, whether from a community lending source like CEDF or from a bank or credit union. Lack of knowledge of certain principles can cause loan applicants to waste time, effort and emotions. With a grasp of these concepts, small business owners can focus on what’s truly important to move toward to secure lending support.  

 

Staying Relevant with Social Media During a Crisis 

Learn how to leverage social media, make meaningful connections, and contribute to your local community in ways that will help keep you visible when life returns to normal.

Since 2009 Chris DeMorro has been serving the vibrant ecosystem of startups forming in Connecticut as well as the many established businesses waking up to the importance of digital marketing. His company, New Industria, focuses on helping businesses large and small tap into the power of social media, websites, and other digital marketing efforts that help them build their brand and voice. 

 

Maximizing your Online Presence

The world just changed. Your online presence has never been so important. COVID-19 won’t last forever and at some point, businesses will rebound. Take this time to educate yourself and your key employees on what steps you can take to maximize your digital marketing capabilities. Nathan Berger, founder of the user experience agency KnockMedia, explores the top five things you should be doing to maximize your online presence. 

Our apology, but internet congestion or Zoom technical difficulties caused about eight minutes of the program to be unintelligible which has been removed from this replay.

 

20 Questions About the Paycheck Protection Program

We review the Paycheck Protection Program requirements to apply and comply and show you where to go to get more information about specific situations.

 

Managing Change in a Challenging Environment

Learn how to build change resiliency in your company by understanding the effects of rapid change on human performance. Jean Mix, Founder, Mix Education Services, LLC

 

Update on Small Business Assistance Programs

Since mid-March new programs have been proposed and launched. Get an update on what state and federal assistance is being made available to struggling small businesses. Presenters: -- Glendowlyn Thames, Deputy Commissioner of the CT Department of Economic & Community Development; Julio Casiano, Deputy Director of the U.S. Small Business Administration Hartford District Office; Bill Tierney, SBA Lender Relations Specialist

 

Emergency Planning for Local Business Leaders

A proactive business owner should be immediately implementing a new communications strategy plus 10 other strategies to help survive this COVID-19 crisis. Learn Tom Maier’s recommendations in this one-hour webinar. Tom also has arranged for small business owners to receive free access to a five-hour training course titled, “How you Survive and Thrive –Strategies for COVID-19.” That course is presented by ActionCoach CEO Brad Sugars at this link.

 

How to apply for an SBA Economic Injury Disaster Loan

Many small businesses are concerned with the impact of the Covid-19 crisis on the the health and stability of their business. We provide the most current information available. Presenters: -- Bill Tierney, SBA Lender Relations Specialist -- Jim Bzdyra, CEDF President & CEO

Update on March 30: The SBA turned its website over to a private contractor and changed the address to: https://covid19relief.sba.gov
Elements in this webinar related to procedures have been superseded but the eligibility information remains the same. This webinar was recorded prior to the law which authorized the $10,000 EIDL advance (grant).

Update on March 27: Because of high volume causing problems, the SBA has made changes that direct users to download forms to be filed in off-line and then uploaded later, rather than completed live on the site. If you have  questions, please contact the SBA at 1-800-659-2955 or (TTY) (800) 877-8339.

 

Preparing your Business for a Crisis

 

         Jean Mix

Were you unprepared for the disruptions in your business that recently occurred? Are you headed for facing the next crisis, or the next phase of this one, without a plan? Crisis management focuses on developing a problem-solving strategy for complex business issues. Don’t go into any crisis blind. This program will help you prepare an impact analysis and a strategy for your success and survival. It will help you deal with the present and the future.

Jean Mix has more than 20 years of experience in corporate training and educational services. She has served a variety of clients, customizing educational sessions to meet customer needs. Jean has customized programs with audiences from youth to corporate executives. Her areas of expertise include corporate communications, change management, negotiation skills, team building, communication coaching, and student readiness.

 

New CT employer mandates – what a small business owner needs to know

       Stuart Katz

Besides a higher minimum wage, the last legislative session brought two new obligations that require careful compliance by every Connecticut employer of any size – the implementation of new Mandatory Sexual Harassment Prevention Training & Notice Requirements, and the launch of the state’s Paid Family and Medical Leave Act. Attorney Stuart Katz will provide an overview of the new responsibilities small business owners face and the plans that need to be made to achieve compliance and minimize risk and expense.

Stuart M. Katz is a principal of Cohen and Wolf and chair of the firm's Litigation group. He is a member of the firm's Employment & Labor practice group, and chairs the firm's Diversity & Inclusion committee. Stuart represents employers of all sizes in defending discrimination and harassment suits and litigating restrictive covenant, breach of contract, business tort and wage claims. He has been named "Lawyer of the Year" for Employment Law (Management) (2018) and for Employment Law (Individuals) (2016) by the Best Lawyers in America, for the Stamford, Connecticut metro area. He routinely provides guidance to employers and employees regarding personnel policies, handbooks and employee discipline.

 

Use Instagram to create Insta-business

    Samantha Williams

Are you a business owner who is confused and frustrated about how to use Instagram to promote your operation, gain customers, and increase sales? Not quite sure how to get started? Unsure about using hashtags, going live, or using IGTV? If so, this is the webinar for you. In this session, you will learn all the tips to making your business’s Instagram account profitable.

Samantha (Sammi) Williams, is a content strategist with over twenty years of writing experience. She founded Sam’s Word, LLC, in 2015, with the goal of alleviating the writing burden of others. Writing has been a natural passion for Sammi, and she leverages those skills through the facilitation of business development, marketing, and communication workshops. When Sammi is not providing training to other businesses, she assists businesses with content development, editing, proofreading, copywriting, and more.

 

 

Minimum wage increases: What should a business owner do?

    Tom Mazzaferro

Minimum wage will soon begin climbing in Connecticut and will escalate in stages, perhaps forever. As a business owner, have you planned your reaction? What has happened in other places across America where state minimum wages have been boosted? Do you cut your staffing? Do you raise your prices? Do you change your business concept? In this webinar, Tom Mazzaferro, CMA, will address the analysis and actions that must be conducted if you intend to consider your business prepared.

Tom is a seasoned accountant with more than 30 years of experience. He holds a designation as a Certified Management Accountant by the Institute of Management Accountants. Tom was formally chief financial officer of a financial service organization and also held financial positions with an insurance company, an electrical distributor and a retail farm supply organization. His experience includes financial reporting, taxation, budgeting and capital management. During recent years living in Connecticut, Tom was a volunteer for the New Haven chapter of SCORE.

 

 

How to Improve your Work/Life/Money Balance

Jenny DeRosa Bergeron

Is your schedule overwhelming you? Do you feel drained by your work and outside obligations? Is the stress impacting your relationships and your enjoyment of your business? Thinking through the interaction between these key elements of life will help you maintain sufficient energy to tackle all of your challenges and remain focused and committed. Learn the seven strategies and three essential habits to get you to on track.

Jenny DeRosa Bergeron is the founding member of Athene Wealth Management. Jenny specializes in pre- and post-retirement planning, education planning, employee retirement plans, and insurance strategies. After graduating Phi Beta Kappa with her Bachelor’s degree from Trinity College, Jenny obtained her Series 7 and 66 securities as plus her health, accident, and long-term care insurance licenses. Jenny has won more than 10 awards in her 18 years of industry experience.

 

 

Antes de Empezar su Negocio

Si está pensando en comenzar su propio negocio, escuche a expertos profesionales que le informarán sobre conceptos importantes antes de seguir adelante. Ahorre tiempo y dinero al incluir este conocimiento en sus planes.

 

 

How to Coach your Employees Without Causing them to Quit

Jean Mix

Powerpoint slides for this presentation.

Are you not seeing results from your efforts in employee development or performance improvement activities? Do you lack a formalized coaching strategy for yourself, your company or your supervisors to provide feedback and measurement on employee performance? Learn how to develop a coaching environment that gets results without creating employee anxiety and discord. Jean Mix, founder of Mix Education Services LLC, will teach you specific managerial techniques to coach employees so you can achieve optimal performance.

 

 

How to Collect Business Debts

       David Dobin

Maximizing cash flow and ensuring efficient operations is crucial to the success of every business, and every business owner inevitably faces the question of what to do when a customer, client or contractor fails to pay or fails to perform its contractual obligations. This seminar will introduce the basic concepts of liability enforcement, and provide information, strategies and tips for using the legal system to recover what’s owed to your business, including recommended contract provisions, informal attempts to resolve disputes, lawsuits, judgments, and settlements.

David Dobin is a principal of Cohen and Wolf, P.C. and represents individuals, businesses and condominium associations in a variety of litigation matters, including debt collection actions, trademark disputes, foreclosure defense and prosecution, contract disputes, business tort claims, breach of fiduciary duty claims, mechanic’s lien foreclosures, eviction actions, premises liability matters and other various complex commercial litigation matters.

 

 

Social Media Integration Tools to Increase Productivity

   Samantha Williams

 

Everyone knows businesses must have a consistent presence on social media to remain competitive. However, business owners are too busy actually running their businesses to devote hours a day to manage their social media pages. This is why you need social media integration and productivity tools to assist you in creating, scheduling, and posting content to your business’s social media pages.

Samantha (Sammi) Williams, is a content strategist with over twenty years of writing experience.She founded Sam’s Word, LLC, in 2015, with the goal of alleviating the writing burden of others. Writing has been a natural passion for Sammi, and she leverages those skills through the facilitation of business development, marketing, and communication workshops.

 

 

 

 

Maximum Crowdfunding: The Complete Guide to Raising Capital for Your Business

   Anthony Price

 

Businesses are leveraging crowdfunding to raise tens of thousands and even millions of dollars. This webinar covers the basics of running a campaign. Anthony Price, founder and CEO of LootScout, counsels small businesses owners on how to build better businesses. He is the author of Get the Loot and Run.

 

 

 

 

How to Buy a Building

 

Dreaming of freeing your business from an unaffordable rent or an unresponsive landlord? Buying a building with a commercial mortgage is very different experience than a residential real estate transaction. Learn what’s involved so you can prepare.

 

 

Women's Business Success: Overcoming Challenges in a Management Role

 

Panel discussion from Women's Business Success: Overcoming Challenges in a Management Role, June 12 2019, Hartford, CT. Panelists: Sharon Castelli, Carol Kardas, Devon Scanlon, Dawn Reshen-Doty. Moderator: Jean Mix.

 

 

 

Attracting and Retaining Top Talent

The job market has changed, as have the demographics of the current workforce. Employees can afford to be selective in today’s environment, making it harder to fill positions and more important than ever to retain valuable talent. Millennials now represent more than 35% of the workforce and companies cannot afford to ignore the changes in mindset this generation brings. This presentation explores these adjustments and some of the ways successful companies are adapting to a new landscape. Presenters: John Adinolfi, Director of Sales, ADP

 

 

 

Create contract-winning capability statements

Sammi Williams

Every year, the federal government spends billions of dollars funding contracts. States and municipalities also have millions of dollars available to hire firms for a variety of projects, products, and services. Although competing with other companies to win contracts may sound overwhelming, an expertly designed capability statement can significantly improve your potential for success. The capability statement is your vehicle to winning sought-after government contracts, but it has to be structured appropriately. Learn which information must be on your capability statement, what to leave off, and how to position your business for success in the federal, state and municipal marketplace. Capability statements also can improve marketing efforts to corporations and private enterprises.

Samantha (Sammi) Williams, is a content strategist with over twenty years of writing experience.She founded Sam’s Word, LLC, in 2015, with the goal of alleviating the writing burden of others. Writing has been a natural passion for Sammi, and she leverages those skills through the facilitation of business development, marketing, and communication workshops. When Sammi is not providing training to other businesses, she assists businesses with content development, editing, proofreading, copywriting, and more. Sammi earned a Master’s in Health Care Administration from the University of New Haven and a Bachelor’s in Business Administration / Human Resource Management from York College – CUNY. Sammi is also trained in quality assurance and analysis, and is certified as a Six Sigma Green Belt.

 

 

 

Marketing foundations for new and established businesses

Rich Laria

Are you’re unsure if your business really has an effective marketing plan? Do you feel like you just engage in a series of trial and error attempts to find what might work? Has the spaghetti not been sticking to the wall lately? Are you ready to surrender to the reality that you need some expert direction to lay proper plans? Rich Laria has been both a marketing practitioner in his own businesses and a college professor of marketing. He will help you:

  • Appreciate that a marketing plan is centered on the customer.
  • Understand basics of competitive strategy/analysis.
  • Understand ways to conduct low-cost customer validation and market research.
  • Understand how to evaluate an industry.

If you think all of these elements are self-evident and the only facts and data you have are swimming around in your head somewhere, then Rich can teach you a more effective way.

Richard Laria spent 30 years in higher education, both in administration and teaching at the undergraduate and graduate levels in management and marketing disciplines. For 22 years he was involved in health care sales and marketing, including ten years as an entrepreneur. when owned and operated a medical equipment business on Long Island specializing in rehabilitation products while actively serving in the US Army Reserve. Rich retired as a Lieutenant Colonel after 21 years of service with the Army Reserve Medical Services Corps, serving his last four years as a certified instructor for an Army Reserve School. He currently serves as a volunteer counselor for the Veterans Business Outreach Center, a partner organization of the Small Business Administration.

 

 

 

 

Managing conflict in your workplace

Jean Mix

The most important and hardest element of a small business owner's role is handling people. But building a harmonious team requires careful attention to the staff as well as polishing your own management skills.

Do you waste valuable hours dealing with workplace conflict? Do you find yourself attending to the same silly problems over and over again because the issues never get resolved? In this introduction to conflict management in the workplace and beyond you'll learn how to more productively and confidently respond.

Jean Mix of Mix Education Services LLC. will teach you specific managerial techniques to deal with conflict so you can achieve optimal performance. You will leave the session fully understanding the Conflict Resolution Model, so that you can implement it when conflict occurs, and have better business results.

Powerpoint slides for this presentation.

 

 

Building relationships with journalists to promote your business

Lee Howard

Almost every small business owner would love to have their operation featured in the local newspaper. Lee Howard, award winning journalist for The Day, will help you learn:

  • What kind of story is likely to attract media interest.
  • How to make an effective pitch for your idea.
  • The proper use of news releases and other avenues of communication.
  • How to become a valuable source for a reporter interested in your industry.

Lee Howard, community editor of The Day in New London, currently runs eight weekly newspapers in southeastern Connecticut. In addition, for more than 25 years he was an editor and columnist for The Day, which has been honored as New England Daily Newspaper of the Year in its circulation category six times in the past decade. As a business writer in 2009, he earned the most prestigious prize in Connecticut journalism by taking home the Theodore Driscoll Award for Investigative Reporting. He also has earned top prizes in business writing, column writing, breaking news and page one layout, among others. His reporting has been cited in at least three books, including Pulitzer Prize-winner Hedrick Smith’s 2012 bestseller “Who Stole the American Dream,” which pointed to Howard’s reporting on outsourcing tied to H1-B visas.

 

 

Use LinkedIn to make things happen for your B2B enterprise

Sammi Williams

As a small business owner or solopreneur, leveraging social media to market your business and identify leads is essential. LinkedIn is considered to be the primary social media platform for B2B connections, with over 500 million global users. This workshop will provide you with the best practices to incorporate into your social media strategy to guarantee success with LinkedIn.

Samantha (Sammi) Williams, is a content strategist with over twenty years of writing experience. As a LinkedIn power user, Sammi has helped small business owners and solopreneurs apply best practices in the use of this important social media platform to achieve the same successful results she has accomplished in her own business.  

She founded Sam’s Word, LLC, in 2015, with the goal of alleviating the writing burden of others. Writing has been a natural passion for Sammi, and she leverages those skills through the facilitation of business development, marketing, and communication workshops.

Powerpoint slides for this presentation.

 

 

Tax changes impacting CT small business owners

Ed Muenzner

The Tax Cut and Jobs Act of 2017 and related changes enacted by the Connecticut Legislature have shaken up the game for small business owners. Listen in to this expert briefing to learn what to ask your tax advisor to be sure you are on top of the most important relevant changes. Presenter for this August 2018 teleconference is Ed Muenzner, CPA, Franklin, CT

 

 

 

Save money by understanding the unemployment compensation system

Josh Goodman

It’s tough enough being a small business owner trying to maintain a productive workforce. It can feel like the deck is stacked against you when squaring off against the rules in the unemployment compensation system.

The instructor for this July 2018 seminar is Josh Goodman, President, Pinnacle Unemployment Services and Consulting.

Slides for the seminar may be downloaded here.

 

 

Commercial lease renewal dos & don’ts for tenants

Building on the article published in the January 2018 edition of CEDF’s Chalkboard newsletter, Jeff Grandfield,  consultant from The Lease Coach, reviewed the key approaches and tactics for renewal and new space negotiations.

 

 

CTStartup.com podcasts featuring CEDF clients

How to deal with difficult employees

The CTStartup.com team came to the CEDF offices in Meriden to allow CEDF clients and Murtha Cullina employment consul Mike Harrington to discuss the topic of how to deal with difficult employees. The first half of the podcast is an interview with Mike, followed by a question-and-answer session where these business owners asked Mike for answers regarding their own employment issues.

         

                             

                                                         

 

Not sure which loan or educational service meets your need?

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