If You Don't Get Your SWAT Together, You'll Hate Yourself Later!!

There is a  secret formula for achieving a personal career plan on an ongoing basis.  As I have mentioned in earlier posts, you must have a personal career development plan if you are going to flourish in the current economy.  There is no time like right now to read this article and apply the strategies I am going to share with you.

Every great company and individual goes through regular, ongoing self assessment and personal growth, setting goals in order to thrive in their particular business environment.  Are you going to be swept along by whatever winds of change are blowing your way, or are you going to get your SWAT team together?

Just as a reminder, a SWAT team is a highly trained special weapons and tactics team of elite officers who handle all sorts of high risk, special operations events.  In case you are not aware, there is a lot going on in our economy these days!  You need to have a highly tactical approach to today’s business environment.
Every top business uses a tool called SWOT to uncover its Strengths and Weaknesses, and to examine Opportunities and Threats facing it. 

Just as business leaders use this tool, I am asking you to use this tool to creat your own personal and career business plan to carry you confidently through the years ahead.

Strengths:

The key success factor here is to uncover what makes you unique, what differentiates you from those around you.  What qualities set you apart.  Here are some questions to get you thinking:

•    What are you really good at?
•    What skills do other people recognize in you?
•    What do you do better than most people you work with?
•    What do you get recognized or rewarded for?
•    What, about yourself, are you most proud of or statisfied with?
•    What experiences, resources or connections do you have access to that others don’t?

You can tap into friends, peers, and family to give you feedback about your strengths as well.  Don’t be modest!  Identifying your strengths is a huge first part for your personal career plan.

Weaknesses:

There are two temptations here.  The first, is to be highly self-critical and write reams and reams of pages as to where we think we fall short.  The second temptation is pride, which says, “Weaknesses, what weaknesses?”  Just as a store keeper takes a business inventory every year, so we must take personal inventory of our weaknesses as well as our strengths, so that we can minimize those weaknesses.

Here are some suggested questions:

•    What do you try to do that you just can’t seem to master?
•    What do you do only because you have to in order to satisfy job requirements?
•    Are there one or two aspects of your personality that hold you back?
•    What do other people most often identify as a weakness for you?
•    Where are you vulnerable?
•    Where do you lack experience, resources, or connections where others have them?

Opportunities:

After looking within, it is time to look outside of yourself.  Set aside some time to brainstorm and to write down at least 20 ideas that may not have occurred to your before:
•    In what ways can you maximize your strengths?
•    What opportunities are open to those who do these things well?
•    What would you love to do that you’re good at?
•    How can you minimize your weaknesses?  If your weaknesses no longer held you back, what could you do?
•    Where do you see the most potential growth for yourself?  Within your current company, in a different company?, a different industry, or different career altogether?
•    What trends are having an impact on your current career or one you are thinking about pursuing?

Threats

Some may see this as negative thinking.  However, you would not have faulted George Bush for taking more precautions for Hurricane Katrina would you have?  Threats are coming at us all the time with our personal careers, so we would be wise to work on contingency planning.

•    Do you have weaknesses that need to be addressed before you can move forward?
•    What problems could your weaknesses cause if left unchecked?
•    What setbacks might you face?
•    What obstacles have other people overcome to get to where you want to go?

Take Action! 

These questions are worthless unless you take some time to reflect on them, and to form some plans of action.  I encourage you to take 5-10 minutes during each day this week to invest into your personal development and career plan.  Steven Covey, in his classic, 7 Habits of Highly Effective People, states that leaders spend most of their time in Quadrant II activities: those that are not urgent, but most important.  Clarifying and charting your career course is a definite Quadrant II activity!

To give credit where credit is due, I got most of the ideas for this post from MindTools, a fantastic site which I highly recommend to you!

Photo Credit: Laura Burgess PR on Flickr


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Are Christian Entrepreneurs Supposed to be Wealthy?

Did you know that you are supposed to be rich, wealthy, and famous beyond your imagination? Yes, that's right! God wants you to live the "good life." Anyone can get rich with possessions and money, but it takes God to experience a total wealth with possessions, money, and a great [world-renowned] name.

A lot of Christian entrepreneurs go into business and end up broke, busted, and disgusted because they're not making any money. Some have a preconceived notion that God wants them to bless others by giving their products and services away. This can't be farther from the truth. Genesis 12:2-3 (New International Version) reads,

² "I will make you into a great nation
       and I will bless you;
       I will make your name great,
       and you will be a blessing.
³ I will bless those who bless you,
       and whoever curses you I will curse;
       and all peoples on earth
       will be blessed through you."

God told this to Abram, but what makes you think He doesn't mean it for your life as well?

From this passage we can clearly see that;

• You ARE called to be wealthy!
  
• You ARE destined to become famous!
• You WERE born to be blessed and to be a blessing to others!
  

There are 3 ways you can claim this awesome promise of God. Read on if you're ready to become wealthy!

Embrace Your Gifts, Talents, and Abilities

First thing's first, recognize and embrace the skills God has already given you. You can draw for a reason. You can sing, write, and dance for a reason. Trust me, if you don't get anything else, understand that God knows what He's doing! By using our gifts we honor Him and are more capable in serving others which results in more blessings all around. Don't know what your gifts, talents, or abilities are? Here are a few thoughts on each and how to discover them;

• Gifts - Things we're born with that are typically supernatural in nature or manifest themselves in unexplained methods. Example; I don't know how my mom knows to call me [and knows exactly what to say] when I'm feeling down, but she does it on-time, every-time! That's a God-given gift!
  How to Discover: Ask a friend or someone close if they know what your spiritual gifts are, pray over the answer, and ask God to confirm it for you. He's got to tell you because - according to His word - he wants you to be successful!
  
  
• Talents - These are physical abilities such as being able to paint, write, great at basketball, etc.
  How to Discover: What do you enjoying doing in your spare time? What comes easy for you that may be difficult for someone else? List them out on a piece of paper and see what you come up with.
  
  
• Abilities - These are simply special skills or aptitudes. Example; perhaps you took a class and enhanced your knowledge of web design or public speaking. Honing your skills gives you special abilities and are useful to gaining wealth.
  How to Discover: What have you learned that enhances your skills? List them on a sheet of paper and circle at least 3 that are most valuable.  
  

Pursue Your Passions

Your passions are those things you were called to do while you were still in your mother's womb. When you seek opportunities, projects, and business ideas that you're passionate about you find more riches than you would in a get-rich-quick scheme. Don't know what you're passionate about? Here are a few tips on discovering them;

• Go on a fast - We live in a society of constant movement and noise. Quiet your spirit in order to listen to what your heart tells you. Fasting is a great way to make yourself spiritually aware of your needs and more apt to receiving clear direction and guidance.
  Note: Check out the "Win in 2010" Entrepreneur Fast that kicked off this year. It's never too late to start!
• Analyze Your Past - What did you want to be when you grew up as a child? What did you love doing in college? Search for clues to your passions buried within your past. They may unlock the key to a locker full of money making ideas!
• Read Inspirational Books - Books are great ways to discover new information, open your eyes to new possibilities, and inspire you to new levels in your life. Here's a pretty good list of books for entrepreneurs that you might like to check out.
• Explore Different Opportunities - Switch career fields [I started flight attending in order to pursue my passion of blogging. Sounds weird, but this video will explain more.], volunteer your time with different organizations, do a test run of an idea you're exploring, do whatever it takes to jump start your pursuit of your passion. You might stumble into it but once you find it, it's smooth sailing from there! 

Follower Feedback - Question: How can you discover what you're passionate about?

Deliver Value to Your Customers

According to Free Dictionary.com, value is described as, "Worth in usefulness or importance to the possessor" or, "a principle, standard, or quality considered worthwhile or desirable." Don't just start a business because it's "hot on the market" right now. The best products and services solve people's problems or help them accomplish something in their lives. Want to know the best ways to deliver value to your customers? Here are a few tips on how;

• Customize Your Services - Don't just match industry standards, give them a unique experience that goes above and beyond anything they've ever paid for!
• Teach Them How to Fish - Sure, you make more money performing a specific task for a client day in and day out. What if they paid a premium price for you to teach them how to do it themselves? Why stop with only your clients? Why not open the floodgates and offer your expertise in the form of workshops and seminars?
  
• Give to Get - It's ok to give nuggets of information, expertise, and samples away now and then. By giving something of value it puts you in position to ask for something valuable back. Bloggers utilize this business model and it works without fail!
  
• Know Your Market - How can you deliver anything of value to prospects if you don't know exactly what they want? Get to know them by maximizing surveys and polls. Do your research and find out who you're selling to, what they're needs are, and how best to serve them. Speaking of service . . .
  
• Deliver Excellent Customer Service - Remember corporate America and big business? This is where they fail and why you will succeed. You have the ability to make your business more personable and direct. Never forget this competitive edge and deliver excellent customer service as naturally as night and day.
  

Note: For more on why customer service is so important to your business read, "Customer Service is Dead and You Killed It."

Final Thoughts

Just because you're a Christian entrepreneur doesn't mean you can't make money and live the "good life," God promises in His word. You're not required to give all your products or services away and you certainly don't have to play to what others think you're supposed to do with your business. You were born to be blessed and to be a blessing to others. Have you been held in bondage by this form of thinking? Do you feel like you should "bless" others by offering services for free? What else can we do to attain the wealth the Bible speaks about? Share your thoughts below.

About the Author

Rod Kirby is the editor-in-chief of The Success Center, the #1 Christian Entrepreneur's blog-a-zine for small business, financial, marketing, and social media help. For resources to help you take your life, brand, blog, or business to the next level, check out the Best of The Success Center. You can also follow Rod's rampage of terror on Twitter and find him misbehaving on Facebook.



P.S. Photo Credit of the Flowing Water is from kkitsos on Flickr

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Build Your Life Like Martin Luther King Jr

John 12:24 I tell you the truth, unless a kernel of wheat falls to the ground and dies, it remains only a single seed. But if it dies, it produces many seeds. 25The man who loves his life will lose it, while the man who hates his life in this world will keep it for eternal life. Jesus Christ, fortelling his coming death

"He is no fool who gives what he cannot keep to gain that which he cannot lose." Jim Elliot, Christian martyr, 1945

As a Caucasian, I have a lot of shame for the infamous history of slavery and segregation in our country. One man changed all that, and his name was Martin Luther King, Jr. What can you and I learn about personal leadership development from this one man?

Study!!

Readers are Leaders. Education is not everything, but it does develop our character and our knowledge, exposes us to different viewpoints, and gives us a platform to speak from. Marting Luther King, Jr. developed his personal effective through vigorous study, earning his PhD in theology. It takes vision and character to commit yourself to the effort, discipline, and self-sacrifice that such study requires. But, like all things in life, a key success factor to significance and fulfillment is to live life from a long term perspective. This allows you to sacrifice the gratification of the short term in order to reap the rewards of a long term commitment.

Learn from Live Leaders. Martin Luther King, Jr., learned and absorbed lessons from many key leaders. His most important personal leadership development came from his visit to India, to visit with Mohandas Karamchand Gandhi. It was from this great soul that Martin Luther formulated his own values and vision of changing a society through peaceful, organized, and non-violent opposition.

Who are you choosing as your role models? What are you reading? I encourage you to start setting aside up to one hour per day purely for reading and study. And I encourage you to be on the lookout for leaders who you can look up to and learn from.

Be Faithful with Little Things, and You Will Be Promoted to Bigger Things.

Martin Luther King, Jr. started out as a minister at a small congregation. He honed his speaking skills, and became a gifted preacher. What is your personal career development plan? Do you have one? There are two extremes to avoid here. One is to become impatient with your position and to go negative. In this instance, you have a pair of complaining glasses on, and you can only see what is wrong with your boss, with your co-workers, and with the duties of your job. The other extreme is to avoid all planning for the future, to be afraid of taking on bigger challenges.

By paying rigorous attention to your personal career strengths, by setting your goals, by pro-actively taking on greater responsibility, being early for work, and staying late when needed, you will be sharpening your personal skills, which are your greatest assets. Don't ever neglect to plow your own plot of ground, for in it you will find the diamonds of greatness that may lead to your next opportunity.

Clarify and Commit to a Bigger Vision.

You will find that a pure pursuit of material success will, in the long run, lose its luster. True personal leadership development comes, paradoxically, with a certain denial of self, for without it you will not find true significance.  Before I lose you with this statement, you must realize that true legacies come from service to a greater good. In order to do this, you must clarify your values, know your abilities and talents, and figure out how you can align your abilities and talents with a way or ways to serve humankind and your Creator.  Figure out what legacy you will leave behind!

Check out this powerful quote from Martin Luther King, Jr:

“ I'd like somebody to mention that day that Martin Luther King Jr. tried to give his life serving others. I'd like for somebody to say that day that Martin Luther King Jr. tried to love somebody.

I want you to say that day that I tried to be right on the war question. I want you to be able to say that day that I did try to feed the hungry. I want you to be able to say that day that I did try in my life to clothe those who were naked. I want you to say on that day that I did try in my life to visit those who were in prison. And I want you to say that I tried to love and serve humanity.”


Wow! And again, I will say, Wow! What are you going to give your life to?

Be Willing to Be Controversial. Anyone who is doing anything of impact in life is going to get criticism. Be prepared. Make it your companion. Listen carefully and non-defensively to what is being said in the criticism. But then be willing to do what it takes to remain true to your values and to your vision. Martin Luther King, Jr. drew all sorts of criticism from whites and from his own race.

He was criticized for being non-violent, he was criticized as being a Communist, he was criticized for putting children in harm's way during protests. He was under incredible pressure. Yet he prayed, he thought, he wrote, he reflected, and he made his stand.

Listen to this great quote in the midst of one of his waves of criticism:

“And then I got to Memphis. And some began to say the threats, or talk about the threats that were out. What would happen to me from some of our sick white brothers? Well, I don't know what will happen now. We've got some difficult days ahead. But it doesn't matter with me now. Because I've been to the mountaintop. And I don't mind. Like anybody, I would like to live a long life. Longevity has its place. But I'm not concerned about that now. I just want to do God's will. And He's allowed me to go up to the mountain. And I've looked over. And I've seen the promised land. I may not get there with you. But I want you to know tonight, that we, as a people, will get to the promised land. And I'm happy, tonight. I'm not worried about anything. I'm not fearing any man. Mine eyes have seen the glory of the coming of the Lord.”

Decide to Be Courageous! As you can see from the quote above, Martin Luther King, Jr. was a courageous man.  Without courage, he never would have accepted the position of leading the civil rights movement.  Without courage, he never would have organized the first peace marches.  Without courage, he never would have stood up for his position in the midst of severe criticism from inside and outside his ranks.  Without courage he would not have stayed true to his larger vision and mission.  Without Martin Luther King Jr's courage, President Obama might never have become president.   Without courage, people of all races in the United States would not have the same civil liberties they have today.

How do you get courage so that you can increase your personal effectiveness and promote your personal development?

First, think of something that you have been putting off because of fear.  Put it on the calendar for sometime this week and Do It!!

Practice exercising your courage muscles on a regular basis.  When needed, assert your position.  Don't be afraid to speak your mind.  (This is written for those who don't regularly do so, not for those who often speak too much :).

I hope that you will take time to reflect on Martin Luther King, Jr. this week: his example, his life, and his legacy!

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You Don't Have to Have Legs to Achieve Incredible Success

The only way around is through. – Robert Frost

 

When I see the picture of the van to the left, it takes me back to a hospital I worked for in Chicago as a mental health therapist.  We had quite a few physically disabled clients who did not have the use of their legs.  In order to get into the van, they needed to be secured to the lift you see there.  The hydraulic lift then smoothly lifted them on to the van.  Thus mobility and transportation is available to every person without the use of their legs.

It wasn't always this way.  Over 30 years ago, a gentleman named Ralph Braun (Rise Above: How One Man's Search for Mobility Helped the World Get Moving, by Ralph Braun, is his autobiography) was born with spinal muscular dystrophy.  At the age of 14, he was confined for life to a wheelchair.  To this young man, it was a traumatic event.  However, it turned out to be the source of his life's work.

Success Factor # 1:  It's OK to be a Sunflower Amongst the Daisies!  or, Accept Yourself and Your Life.

The first step for your personal growth plan is to accept and persevere with exactly who you are, the circumstances that you are in, the assets you have, and the seeming limitations that you have.  As Ralph himself stated, he had a difficult time coming to terms with his disability.  But his parents did not give up on him, and they would not let him give up on himself. 

If you are having difficulty accepting, then seek out an encouraging coach, friend, or therapist whom you can work this acceptance out with.  Surround yourself with a team of cheerleaders, not naysayers.  After all, it's the company you keep that will propel you forward or hold you back.


Success Factor #2: Bloom Where You are Planted, or at Least Change Gardens! 


Ralph Braun went to college for less than a year, then dropped out when he realized he could not get around campus.  After dropping out, he decided to make lemonade out of lemons: he decided to design a battery powered scooter that would get him around better.  He sought out and hung around with his uncles, all of whom were great mechanics.  And he found out that his mechanical aptitude, coupled with his mentoring under his uncles, blossomed.  People told him it would never work: but he had belief in himself and in his abilities.  Other people's negative opinions never held him back. 

Personal Life Plan Lesson:  Put a plan for personal growth into motion.  Determine that you are going to suck everything you can out of life every day with the current opportunities, circumstances, and abilities that you have.  For those of you who work at a corporate job, have you taken advantage of the often fantastic and varied training courses and programs that they have available to you, often free of charge?  Are you seeking out influential people in your department or in other departments and getting to know them, asking them how they got to where they are, and what they would advise you to read, or what further skills to develop?

For those of you who are in a small business, have you taken advantage of community college courses, of workshops, of Toastmasters, of business networking information groups, or of you chamber of commerce.  Have you taken the opportunity to serve your way into recognition in any of these groups?  Have you taken the opportunity of relationships you can nurture and build value into all around you in the business community?

Success Factor #3: There's More Than One Way to Skin a Cat While You're Being Chased by a Bear

Ralph showed a certain savvy, grit, and perseverance on his way to success.  He started working in a factory as a quality control technician.  As the factory control workers saw him ziop around on his new scooter, they started coming to him and asking him to design scooters for friends of theirs who had similar disabilities.  When he moved farther away from the factory, he had to find more reliable transportation, so he bought a conversion van.  Soon, he realized that he needed a way to get into the van.  So, utilizing the aptitude and knowledge he had acquired from building his scooter, he designed the lift that you see in the photo in this blog.

It wasn't long before word got around in the same way that his scooter had, via word of mouth, and he was soon designing those lifts for co-worker's friends and families.

At this point, he was busy enough that he could have quit his job.  But he was realistic enough to realize that in order to support his wife and three children, he would need to continue to work at the factory.  (Hint, Hint: You don't have to quit your day job immediately to start a business.  In fact, you may never quit your job to start a business.  Remember that there are all sorts of combinations that can work: internet info products you develop or sell as an affiliate; your own web sites that you monetize, freelancing, consulting, moving into higher positions of responsibility within your own company).

But I digress.  After working at the factory for.......9 years....he had gotten so busy designing lifts and scooters, that he decided it was time to launch his own business, devoting all his focus to that.  (Hint, Hint: There may come a time where you have to take the leap, and devote the time you need to FOCUS).

Well, things were looking good when he bought his own building, and was pumping out those highly desired scooters and lifts.  However, there was this Bear called Fire, and the fire wiped out almost everything he had put into the business.  Life was rough, really rough.  But his employees were loyal and committed, and they worked extra hard, along with him, to meet the customer demands, and they turned the disaster around. To this day, Ralph Braun states, 2/3 of his original employees are still with the company, after almost 30 years!

As time went on, particularly after the Vietnam War, Mr. Braun noticed two trends.  First, the making of scooters was becoming something that was easier and easier for other companies to accomplish, and a lot of the parts and labor were cheaper overseas.  Second, the demand for his lifts was becoming greater and greater, with disabled veterans coming back from overseas.  In addition, he had the vision to see that he could set up dealerships to sell his lifts.  Seeing those trends, he decided to stop making the scooters, and to focus instead on his lifts.  And the rest is history.  Wherever you see a wheelchair lift, in the United States or around the world, it is likely a Braun product.


Life Lessons We Can Learn: 

• By taking advantages of all the opportunities around us, and by developing our abilities daily, we can progress to more and greater things.

• When disaster strikes, dig in and work hard.  

• Cultivate your people skills.  (Read How To Win Friends and Influence People by Dale Carnegie) Learn to listen first, then respond.  Seek to understand, then to be understood.  Treat people over, across from, and under you with the greatest fairness and respect.  Because in the end, no one person can accomplish great things alone.  It takes a team.

And I will conclude a quote from Mr. Ralph Braun himself, which sums up his personal success:

"When I was growing this business, I had two strikes against me. I was young, and I was what the population calls disabled. I never let that stand in my way. I just had to walk the extra mile, or roll the extra mile in my case."

May we learn and change and grow to be as impactful and successful as Mr. Braun.  Because there was only one of him, and there is only one of you! 

Disclosure: Much of this article is paraphrased from a write up of an interview of Ralph Braun by Inc Magazine.  




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2 Best Ways to Achieve Personal Success

photo credit: jamesalmeida on Flickr 

"There is nothing more beautiful than finding your course as you believe you bob aimlessly in the current.  Wouldn't you know that your path was there all along, waiting for you to knock...like a photograph coming into focus."

Jodie Foster, Commencement Speech, June, 2006

How many of you are dealing with the holiday hangover and the coming Monday morning dread?  How many of you are hiding away on your couches, hoping that the football games will never end?  How many of you are sleepwalking through life hoping that you don't wake up?

Well, Wake Up!  It's time for me to share with you some best ways to achieve personal success this year and beyond.  Jim Randel's team recently contacted me to request that I review his new book, The Skinny on Success: Why not you?  I am not so much reviewing it, as I am recommending it!  He outlines great personal success factors that make a difference between lukewarm existence and vibrant living.


1) Take the Time to Discover What You Are Passionate About.

How many of us grow up living according to what we think we 'should' be doing, based on either unspoken or spoken expectations communicated to us while growing up?  Or how many of us have pursued money alone, ending up in a job that we hate, but are too comfortable to leave in order to pursue our personal dreams?

So, how do we discover what we are passionate about?  Here are some questions to consider from a classic work called Flow: The Psychology of Optimal Experience (P.S.), by Mihaly Cxikzentmihalyi.


What are you doing when:

• you lose track of time during the day
• you don't hear barking dogs or loud sirens
• you feel centered...relaxed, even though engaged in a difficulty challenge
• you feel energized
• you forget to eat
• you have a sense of wellness
• you can focus easily for long periods of time
  

I have shared in a previous post how I worked through, and continue to work through, processes that have helped me to understand what I am passionate about and how to pursue my passions so that I can be living life 'on purpose.'  You can do the same thing!  Many community colleges, if you sign up for a class (how about a life purpose class?), have great career counseling offices that will provide career testing and assessment.  It's worth considering a career/industrial psychologist who can provide some of the testing you may need to isolate your talents and abilities.

You can also read a number of books that will help you unite both your passions/abilities/talents/strengths with your mission in life and with the career or careers you may be interested in pursuing.  A classic in the field has been Richard Bolles' What Color Is Your Parachute? 2010: A Practical Manual for Job-Hunters and Career-Changers.

In terms of uniting your career with a bigger overarching purpose and mission, consider reading two of my very favorite books, How to Find Your Mission in Life, also by Richard Bolles, and  The Path: Creating Your Mission Statement for Work and for Life , written by Laurie Beth Jones.

Another means of exploring and assessing what your dreams, hopes, and aspirations are is to take the time to write and journal.  One excellent resource for this a book and workbook by Julia Cameron (Broadway actress and professor at Northwestern University.  (The Artist's Way and The Artist's Way Workbook).

2) Create a Living Around What You Love Doing. 

This takes courage, my friend!  Be flexible as you think about how to pursue this.  There will be obstacles and difficulties, but nothing worth achieving in life is easy!  I say be flexible, because there is no cookie cutter way to achieve your objective.  Too often, we are our own worst enemies.  We tell ourselves it's not possible, it's too late in life for me, it's too early in life for me, I don't have enough money, I am not good enough, etc.  Clear away that mental baggage and dream your dream!

One of the best examples of someone who is doing this is my friend over at the Success Center, Rod Kirby.  He was working in a different field that he was not completely happy with.  Once he clarified what he really wanted to do (you'll have to get over to the Success Center to find out what he's up to), he decided to find a job that would support his desire to have the flexibility to work on his personal businesses.  Now he's flying around the world as a flight attendant, which he enjoys doing, but which also provides him with the flexibility to be on TV, on the internet, and interviewing all the successful entrepreneurs as he does.

Consider working with a life coach or business coach who can help you clarify and work toward your goals.  There are so many good ones out there.  I will name @rodkirby, @truthlifecoach, Mike Magdaleno as a three coaches I can vouch for as having integrity and expertise.  If you have a business idea, you may also want to consider low to no cost counseling through SCORE.


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