Category Archives for Marketing Ideas

How to Create a Mailing List: Free Resource

There’s less “junk mail” cluttering up mailboxes these days, have you noticed? They haven’t been this empty in 50 years. This is an opportunity.

Direct mail is still a great way to reach your prospective customers.

In this video, I’m demonstrating a powerful and free resource you can use to generate fresh prospect lists fast and easy. This tool is called Reference USA and it’s as good a list-building software system as any I have ever used.

If you are marketing business-to-business or business-to-consumer, it doesn’t matter, this resource has it. If you’re a local business like a restaurant, service business or retailer, you can pull a list of “new

movers”. These are a great target for a “Welcome to the Neighborhood” postcard campaign.

The list builder has lots of options in order to drill down to find your best prospects. Criteria such as:

• Geographical location. Choose by city, state or plug in specific zip codes
• Income or annual business revenue
• Number of employees
  and much more.

I like to choose the records where the name of the owner (or “executive’s) name is listed because it’s a well-known fact that personalizing a mail piece gets a better response. In this video demonstration, I chose 4 zip codes and an annual sales range of $500,000 to $5 million and there were over 6000 results. Then I show how I can choose to select and download only specific records which have the contact names and rule out certain specific types of businesses.

Access to Reference USA is Free on My Local Public Library’s Website

I highly recommend you check your municipality’s public library website for this awesome resource. There’s no need to create lists. You can just get one record at a time. Sometimes a use it just to find out the name of the owner.

Some of the other cool functions of this program are the ability to generate New Business lists, Canadian lists, Healthcare-Specific Lists and even Job Postings.

This is a powerful tool everyone in business can utilize to build a list of prospects for direct mail marketing, email marketing and telemarketing.

Don’t wait another minute. Go to you local public library’s website and see if they have Reference USA available. If not, find out if they can get it.

By the way, you’ll need a library card to access Reference USA, but don’t worry, that’s also free!

Invitation: the 2nd i in The 3 i System of Sales & Influence™

The idea behind The 3i System of Sales and Influence™ is to position yourself and your business as a welcomed source of value before you ever even deliver your real product or service.

The Secret to Creating the Best Business Relationships is by Adding Value Every Step of the Way

The 2nd i in The 3i System of Sales & Influence™ is INVITATION.  An invitation to an an educational event,

a networking meeting, a fundraiser, or a professional sporting event are some ideas.  When your prospects accepts your invitation and something goes very well for him or her there, YOU will be the one remembered for such a gesture.

Small Business University events are an ideal place to which you could invite a prospect.  There are dozens of people there with whom to network and with 3 fast-paced presentations delivered by experts in their field, everyone in the room stays busy jotting notes.

When you invite someone to an event like like SBU, YOU will be remembered as the conduit for their new valuable relationships and ideas

The 3i System of Sales and Influence™ effectively eliminates the awkwardness of cold calling and soundly positions you as a persona of value and trust.  The law of reciprocation will at least land you and appointment and possibly a sale and referral.

This system is a long-term effort but like any long-term, wise investment, patience is required. If you’re looking to build long-term business relationships, it’s well worth it.

Sales Techniques: The 3i System of Sales & Influence™ (Part 1)

One of my core philosophies is, one good idea or one good connection can change your business or your life.

 This is the foundation of Small Business University.  As a venue meeting people in a networking setting, it’s also a resource for absorbing the knowledge and experience of others who share their expertise on our stage, on this website, and in our printed newsletter.

This and the next 2 blog posts here are on the subject of

The 3i System of Sales and Influence™. Sales techniques to get more appointments and build long-lasting relationships.

Ever since I started executing the 3i System of Sales & Influence™, not only has it become easier for me to get more appointments with people, but more prospective clients have approached me first!

The 3i System of Sales & Influence™ moves one from being an unwelcome pest to a welcomed guest.

Even if you’re not in sales, the principles in the system are very useful and to get what we want, we all need to be better at the game of influence.  As business owners, sales professionals, parents and employees, the power of influence is a key element in elevating our chances of success whether for making more money or teaching our children.

The first i in The 3i System of Sales & Influence™ is INFORMATION

Information has value. People pay for information.  We pay for books. We pay for newspapers.  We subscribe to magazines, take classes, go to seminars and attend Small Business University events in order to consume information.  We tend to trust those people who volunteer information we feel is valuable.  We tend to view them in a positive light. Most of all, we tend to reciprocate to those who give us good information.  We reciprocate by giving them more of our attention and often, giving them our business.

In a networking environment, we’re usually put off by those people who request a follow up appointment immediately after the first contact.  Successful relationships require a bit of romance. This is true of intimate relationships as well as business relationships.  Sure, there are exceptions, but even then, long-term relationships are rare when the courting process is short.

When you share information, you are looked upon as intelligent, empathetic, an expert and not desperate to make a sale.  Your credibility rises and your influence rises as well.  It’s powerful.

What kind of information should you share?

Don’t share information about you, your company or your product.  Keep your eyes open for new information on useful technology, information you think your prospect will be interested in on a personal level, or find some industry-related trends which could be helpful in his or her business or marketplace.  Now, when YOU consume information, look at it in a new light and ask “who else in my circle of influence could this help?”

I write a monthly newsletter.  It’s a resource you can pull ideas from to use for your new “swipe file” of useful information.  Subscribe to it.  Small Business University events are also a rich resource you can leverage for material.

Advice for Business Owners and Managers

You need your employees more than they need you.

“Wait a minute that sounds like heresy to me! I’m the boss. It’s my business. I worked long and hard to get here, and you tell me I’m not important.”

Advice for Business Owners and Managers

I never said you are not important. What I said is that you need your employees more than they need

Many business owners become prisoners to their business because they never train their employees to become really effective. Have a human resources consultant show you how to break out of business prison and enjoy entrepreneurship.

you. Because if you have employees, it’s because your business has gotten to a point where you cannot do it all yourself. When you have employees they are closer to your customers, your products, and your processes than you are.

It just works that way.

As an example if you have seven employees and four of them don’t show up on a Monday morning you are in a situation where the synergistic efforts toward a common sustainable organizational goal are not going to be achieved (or using a very basic business term, you’re in deep do-do). If you do not show up on a Monday morning, my guess is that things will go ok for the day. If nothing happens because you are not there to give everyone their minute-by-minute instructions, then shame on you.

Getting Things Done Through Others

As managers we get things done through others. When it was just us doing the work it was easy. Our senses told us what needed to be done, our mind sent a message to our hands, and our hands did the work. Now we have to use someone else’s hands to get the work done. So our ability to instruct, communicate, encourage, coach, and support helps our employees and their senses, minds, and hands to get the work done. This is called management, and these skills can be developed. Some people take to this better than others, and some people really have to work at it.

Things get easier as a business if you spend the time to interview and hire good people, treat them with respect, and develop and apply good management skills with them.

It just works that way.

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Contributed by Dan Sell of Danumur Consulting, LLC who recently delivered a presentation to alive audience at a Small Business University event. Dan is an HR professional, executive, and consultant with over thirty years of extensive leadership and senior level management experience.

To learn more about Dan Sell, his expert qualifications and his consulting business, please visit his website http://dansumur.com/

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To contribute to our blog, go to: https://smallbusinessu.org/contributors-wanted/

Why People Stop doing Business With You

People die and there’s nothing you can do about it. It’s generally only about 1% for most businesses.

People move away.  About 3% of your customers will move too far away to maintain a business practical relationship with you.  Not much you can do about that  (although it IS much easier today to keep in touch and to serve people at greater distances today).

5% of your customers will take the advice of a friend or relative and choose another source for the product or service you provide.  There IS something you can do about that.

9% will find what they perceive as a better deal, a better product or service.  There is also something you can do about that.

14% will leave you out of plain old dissatisfaction with  you, your product, your service or an employee.

68% of the people who leave your business and never come back due to indifference.

What is indifference?

Indifference occurs when people just don’t have a feeling either way about your business, the service, the experience, the relationship.  This is ONE crucial area where you, as a small business owner have the hands-down advantage over most of your larger competitors.

A warm greeting, eye-to-eye contact,  a sincere “Nice to see you again” and a smiling “Thank You” can easily differentiate your business from others.  This is the absolute minimum I personally expect when I patronize a business and yet it’s a rare occurrence.

Making clients feel good, welcomed, valued and convenienced are critical in overcoming almost ALL these  reasons people will forget about you.  Create relationships and keep more customers.

2 ways to keep people feeling like you recognize them and care about them: (there are more, but these are cheap & easy)

1. Send out a good, old fashioned Thank You card or Holiday Card. Hand-written is best.  If not to everyone, at least the best 20% of them.  Do everything you can to record their birthday and give a call or a card.  It’s huge (and you know it).
2. Email.  not just emails promoting yourself and your business but some value-added and personalized emails.

The Power of Persuasion

The Powers of Persuasion

Persuasion is the single most important skill for a person to master both professionally and

Milton Corsey is a business owner, coach consultant and a regular attendee to Small Business University events.
Click here to learn more about his business Evolution Training and Consulting

personally. Without this skill leaders would be unable to lead, and salespeople would be unable to sell. Persuasion is the key to success in every facet of life. Most people don’t understand the key elements of persuasion and fewer still apply the process.

Current neurological brain research shows how the mind reacts to logic and emotion. By integrating age-old knowledge with modern science we can help people make quick, non-analytical decisions using their own built-in shortcuts to making decisions.

The more skilled leaders are at the art and science of persuasion, the more likely it is that the goals of the organization will be met successfully without frustration or resistance.

Building Blocks of Persuasion

Leading through persuasion is a skill that can be learned. It’s not about swaying people against their will; persuasion is offering others a chance to see things from a different perspective. As the initiator, you must find a delivery system that allows you to communicate your conviction in a compelling way. Taking part in the act of persuading others and sweeping them up into a mutual vision can be a wonderful experience.

Persuasion is defined as a process that changes attitudes, beliefs, opinions or behaviors. It’s the single most powerful skill a leader can possess. Persuasion provides the ability to shift and transform employees and ultimately the culture of an organization. Leaders who practice the skill of persuasion are more engaged and trusted by their employees than those who adhere to the old “command and control” way of management.

There are three building blocks that support the persuasion process. Plato and Aristotle defined the process thousands of years ago, but they still remain valid today.

The three building blocks are:

1. Logos – Logic
2. Pathos – Emotion
3. Ethos – Authority / Credibility

Every persuasion process involves one or more of these building blocks. To decide which tool to use, logic or emotion, it’s essential to understand whether an individual responds in an analytical way or an automatic way.

The Secret Life of the Brain

The analytical thinker is thinking logically, systematically working out the decision with analysis, judgment, evaluation, and concentration.

The automatic thinker operates on “gut feelings”, basing decisions on their automatic, built in psychological reactions. Our brains are hard wired to respond to stimuli that help us make easy, quick, correct decisions. We respond to these powers of non-analytical compliance with what feels like gut reactions. These reactions are a composite of prior situations and experiences that we draw on. They are our built in navigational aids. They are essential parts of our very being. Leaders who learn to help others make quick, automatic, non analytical decisions using their own inborn powers have incredible power over others.

The Powers of Persuasion

The friendship power – this power encompasses all elements that create the feelings of positive relations. The goal of the friendship power is to bond with others by finding common ground, common interests and common goals. The strongest element in the friendship equation is similarity.

The authority power – authority is a critical emotional power, a prerequisite for other powers. Authority is usually defined as a position such as a lawyer, manager, teacher or policeman. The authority power uses the “rightness” of the request based on association of the role.

The consistency power – consistency is important because it makes us feel comfortable, gut level confident that we are making the right decisions. Leaders persuade by making people comfortable. The consistency power forms the bedrock of our internal self-guidance system. People are slaves to consistency and conformity. We use past performance data as a safe, easy comfortable, non-thinking guide to make current decisions and to generate action.

The secret to benefiting from the consistency power is to learn what the person you are trying to persuade will be comfortable with. By learning about the person and how they acted in the past about issues being discussed, frame your request so that a positive decision will be consistent with past actions. Set up a safe “consistency zone” for each person to make relatively risk free, comfortable decisions

The reciprocity power – reciprocity is the well documented, universal psychological requirement to have the recipient of a gift give something back in return. You create indebtedness, and IOU that must be repaid in some way at some point in time.

The hope power – this drives all human motivation. It’s the foundation for all human decision and action. Decisions and actions to achieve hopes, needs, wants and dreams always trump logic, reason and cognitive thought. This wonderful power is easy to activate. Adding the right powers to the hope power, you will have a formidable multi-pronged arsenal for success.

Communication

Persuasion is based on giving, receiving and understanding information. To persuade effectively, you must be able to understand an individual’s needs, wants, and desires and be understood when proposing the idea or solution. Effective communication is more important now than ever, especially as employees are encouraged to ask the question “why?” True communication only occurs when the message is received and understood as intended. Communication is the basis for all interaction and is the process of understanding and being understood.

In Conclusion

The most persuasive arguments come from leaders who exhibit high ethos, and appeal to both logic and emotion. All of these require listening to, understanding and empathizing with your employees. By listening and understanding, leaders build trust within the organization. Listening also helps one base persuasive arguments on the facts or logic that others find compelling. It is essential to listen and understand to the employees of your organization. Leaders who do not exhibit these qualities have a difficult time persuading and rely on coercive power, rather than leadership.

The Best Sales Tip Ever – Really

This is the best sales tip I ever got.

Introducing: The 3 i’s

• These concepts are simple to implement in a sales situation.
• They require no special skill, practice or scripting.
• They set you apart from competition
• They’re especially effective in following up with a prospect…

…even after experiencing “NO”.

The 3 i’s stand for:

Information – Introduction – Invitation

The 3 i’s put you or your sales team in a position of value and expertise in the eyes and minds of your prospects. They make it easier to approach a prospect and carve a path for follow up.They make it more likely each contact made with a prospect will get attention and move the relationship forward. You and your company will stand out when you use the 3 i’s.  

Sales Tip #1: How to Overcome the Fear of Cold Calling: Use Invitation

“Hello, I’m Andrew Mazer and I’m calling to invite Mr. White to a lunch meeting with me and a couple of other business owners.  May I speak with him, please?”

Or, “…Our company is donating turkeys to a local charity and we’re pulling together some other business people for this good cause.  I’m calling to invite Mr. White into a small group who will get some public recognition for a tiny investment.”

Think about events or meetings you could invite a person to which would be a benefit for them. Keep an eye out for events which would be conducive for this kind of invitation strategy. This is not about inviting someone to lunch (although you can) but it’s more like telling someone, “I was thinking about you and your company and I think this could be a good investment of your time.”

Sales Tip #2 How To Become Trusted Before, During and After the Sale: Use Information

Sharing quality information is an excellent positioning tool.  I’m not talking about the information which describes your business or your products & services. I’m talking about useful information which pertains to interesting business matters, business-related news, or to a specific niche or industry your prospect is in.

Sharing information shows your prospect:

• Your head is in the game…you do your homework.
• You care and you’re a valuable source for information.

Sharing information could come in the form of an article clipped from a newspaper, magazine, or a blog post printed out and mailed or a link sent via email.  It could be as simple as recommending an event, a website or a video.  Even if you have not yet met or spoken with your prospect, submitting information through a gatekeeper will often get through.

I launched my internet marketing business this way.  I created an information-rich presentation which I delivered to a room full of business owners about how to increase their visibility online.  Breakfast, the least expensive meal you can serve at an event was provided. First I created the presentation, then I got to work on inviting people to come take in the information.  It generated clients and referrals.

Sales Tip #3: Become More Helpful  Through Introduction.

What if you could refer a new customer to a prospective client before you ever asked for an appointment for yourself?  Wow…talk about a foot in the door!  Not only you could introduce your prospect to a new customer, you could also introduce him or her to one of your other satisfied clients who may be of synergistic value.  In networking, we call these power partners.

An example of a power partner relationship could be a personal injury lawyer and a financial adviser. A good prospect for a financial adviser is someone who may have recently been awarded a large sum of money in a lawsuit or settlement.  The lawyer would be an excellent referral source for the adviser.  Facilitating an introduction between these 2 professionals would put you squarely in a good position to get yourself a meeting with either party any time in the future.

The 3 i’s.  Surefire ways to get your foot in the door and look like a pro.

Personal Branding- How to Attract Your Ideal Client, Customer or Patient

Are You Dreaming About Your Dream Client? You Should Be.

Does the topic of Personal Branding techniques interest you? Would you like to see and hear Carol Ann present The Sizzle System at a future Small Business University event? If yes, fill out the comment form at the bottom of this post.!

Target audience. Ideal client. Target market. Niche. You’ve heard the terms, and if you’ve been in business for any length of time, I’m sure you’ve given a lot of thought about whom you should be marketing to. My background is in public relations, and in PR school it was all about defining your primary audience, your secondary audience and your tertiary audience, then speaking to those audiences through the appropriate medium with the right messaging.

But the way we do business has changed, which means our marketing has changed. Unless you’re a giant conglomerate or a mega movie studio, you’re target probably isn’t that large. If you’re a small business owner, your target audience is probably very narrow, and most likely you’d get better results if you narrowed it even further.

In the Sizzle System of Personal Branding, I have my clients describe their Dream Client. They define demographics and psychographics, and characteristics down to hair and eye color, and even the car they drive. This can be a real live client or a conglomerate of several different people.

Why just one Dream Client? Because our marketing copy needs to be directed at a real live person who needs what we have to offer.

My dream client is a forward-thinking, opportunity-seeking entrepreneur with brown hair and blue eyes. She drives a Lexus and buys her clothes at Nordstrom. She’s kind of edgy.

Get all the details for the next Small Business U event. Click here.

When I write my marketing copy I speak directly to her. I know she can afford to pay me for my services because she’s been in business for a while and knows how to bring in money. I know she cares about how she shows up for the world – for God’s sake, she drives a Lexus! She believes in quality and her clothes reflect that. I know her type, so when I write copy that speaks to her, it’s going to speak to others like her.

And yes, maybe some guy with a ponytail and beard who drives a Harley and wears leather will hear my message and resonate with it, and that’s fine, but those types are far and few between. It’s the 80/20 rule — again.

Then there’s the second part of the formula and the most important: Be the answer to your Dream Client’s dreams. What does your Dream Client need that you can provide — easily? That is the real key to defining your Dream Client.

My Dream Client is one smart cookie, but she’s not getting the clients she needs. Something is falling flat and she can’t figure out what that is. She’s gone through some changes and she’s starting to question her why. She’s feeling the need to reinvent herself or give her business a facelift, but she doesn’t know where to start. She’s tossing and turning at night wondering how she’s going to get these issues resolved.

Meanwhile I’m miles away tucked snuggly in my bed, sound asleep, with visions of my Dream Client frolicking in my subconscious like a sheep leaping over clouds. I’m smiling, because I know that she’s just waiting for me to come along and solve her problems. All I have to do is make sure she hears my message and make it easy for her to find me.

Once that happens, she’ll be happy to pay me for my services because I’m saving her time and money in the long run, and she knows that, pretty soon, she’ll be back to business stronger than ever. The clients will start rolling in, so whatever she paid for my services she’ll earn many times over.

My Dream Client is now sleeping soundly thanks to me, and I’m sleeping sounder than usual, satisfied that I could help her.

The moral of this story: Defining your Dream Client is based on the problems you solve, not the problems they have. Make sure you communicate the value that you bring to others so your Dream Client can find you. You’ll sleep sounder at night knowing you’re putting yourself out there, and she will too, knowing she can find the answer to her prayers.

by Carol Ann DeSimine, TheSizzleSystem.com

Carol Ann DeSimine is a Visibility Strategist and Branding Expert and the creator of The Sizzle System of Personal Branding. To learn how you can have a brand that is RED HOT click here. 

The Best Sales Advice- Do Old-School Methods Still Apply?

Sales expert, author, trainer and consultant, Rich Lucia is presenting at The Small Business University Back-To-School event Monday, September 8th.  His topic: The 180 Rule for Selling.

Get you FREE copy of Rich Lucia’s book when you attend the Back-To-School Event 9/8. Click here to learn more & register.

Here, Rich shares a recent article he posted on his blog, which is deep with content (or shall I say a “rich” resource for sales advice).

Rich has promised to give away a hard copy of his new ebook to everyone in attendance at the event 9/8 called The 180 Rule for Integrated Social Selling.  

Here, Rich shares an article called

In Search of the Sales Holy Grail

I often travel throughout the country to work with sales organizations and a common theme seems to be in play. Everyone appears to be looking for that one thing that is going to lift revenue to new heights. People are looking for the Holy Grail of sales tools that is the answer to prayers.

It appears the world of business development has spilled into two camps. On one side of the great divide, we have the traditionalists who seek age-old sales training and selling techniques. Their thinking is that it has always worked so why reinvent the wheel. They seem to be more content with following past processes over getting results. They forget that buyers have changed and how these buyers get their information has changed, locking many of the doors that once had a welcome mat. These die-hard traditionalists have an answer to cold calls that don’t generate results – make more of them.  Of course, when the strategy does not work, they seek training from 20-year-old sales manuals to polish their cold calling skills.

On the other side of the great divide, we have the early adopters with their answer to business development. They throw out all of the old selling techniques and believe that social media is the only true modern path to business development. They have even engraved, “Social Selling” on their Holy Grail, as they chase the latest social media platform and abandon the one before. Their battle cry is, “it has to be good – it is new.”

So, who is correct? The answer begins with an understanding that there is no Holy Grail, and as difficult as it is to accept, there is no magic pill and no one silver bullet to effective business development strategy. It is going to take a combination of the correct selling tools to get the job done today. Having an understanding of buyers today and selecting selling tools that are effective with those buyers is one half of the mission. The second half of the mission, an even more important one, is realizing the tools you select are supposed to compliment each other. Selling tools and your processes have to be integrated. You can create and deliver the best presentation of your life, but giving it to a person who has no need for it will result in no sale. Don’t use a great tool to drive an interested party to your website, only to find when they get there it has extinguished their interest because it was designed for your company’s bragging rights instead of being customer-centric.

It’s going to take a holistic approach to business development today and therefore the need for Integrated Social Selling.  By social selling I am not talking about the new branding of social media but instead how do we become closer or more social with our prospects and customers. In this age of point and click, are we really working harder to know our prospects and customers and how they buy? Are we working all stages of the sale cycle with the laser focus of purpose and making sure we aren’t unconsciously sabotaging our efforts by ignoring the power of integration? Have we become content in accepting a sales funnel with its 85 percent effort and wasted resources or are we working to widen it into more or a cylinder shape?

Replace your search for the Holy Grail with the knowledge that a holistic, integrated plan is needed. A plan that insures that you have correctly identified your target, selected the correct tools and they are working with each other and not against each other. Do these things and keep a Social Selling Playbook and you will achieve successful business development today using Integrated Social Selling.

Advice for Successful Thinking and Behavior – By Manny Nowak

Don’t Let Fear of Failure Slow You Down

Click here to learn more about Manny and his business from his website.

Click here to learn more about Manny and his business from his website.

The great inventor, Thomas Edison said, “If you are not successful, fail more”.

If you want to be more successful, then you have to fail more, plain and simple.Too many people out there look at opportunities and push them away. “Well I tried that, and it didn’t work”.

Yeah, I have tried a lot of things and they didn’t work.  But I did not go and find

a place to hide my head in the sand afterward.

How Hard You Try is in Direct Proportion to How Much You Want it.

If you want to do something, ask yourself, “How bad do I want this?”  What are you willing to do to get it?

I have listened as people have told stories such as: “I tried to get a job there once, but they didn’t hire me”.

OK – so try again and again and again.  If you really want to work some place, keep trying to find a way in.

If you keep trying you might just get there, if you stop, you are assured of failure.

How to Create Opportunity for Yourself

If you are trying to get into an account and not having success, then take all you have learned and try another way.  I use to sell computer services to Fortune 1000 companies.  It is a long sales cycle. 

But the key is, you do not stop because one thing didn’t work.  You keep looking, driving, trying, failing and learning.  Time after time when I got in I heard the same comment, “you have been so persistent, I just had to give you a shot.”

Or, how many have heard this one, “I tried to get a book published once, even sent it to 3 publishers, but nothing”.

Yea, so how many publishers are out there?

Do you now how many best sellers were turned down time and time and time again before they got picked up? 

I love the Rocky, Sylvester Stallone story.

Down on his luck, almost no money left, Sylvester got an offer to sell his screen play for Rocky for $125,000.  He turned it down because they would not let him play Rocky.

You are Your Greatest Asset

Now, here is a person with almost nothing left, but self-confidence.

He held out and did finally get a deal, less money in the short term, but the star role and a long and successful career.

Stick to what you want and go for it.  Then watch what happens.

You have to be willing to fail. Life is full of opportunities.  Stop giving up before you get to your goals.

This article contributed by Many Nowak.

Manny Nowak is America’s Number One Expert in Taking 6 Figure Businesses to 7 Figures and is speaking at the September 8th, 2014 Small Business University event.  Learn more about this even and Small Business U