Conozca su crédito y prepárese para obtener capital para su negocio
ACCION San Diego le presenta dos expertas dinámicas en áreas de crédito y de préstamos para
negocios. No importa qué tipo de negocio tenga o quiera empezar es necesario comprender los efec-tos que su crédito personal y sus finanzas tendrán en el éxito de su negocio. ¡Este taller será gratis! Estacionamiento y desayuno continental incluido.
Venga y aprenda más acerca de:
- ¿Por qué es importante mantener un buen historial de crédito?
- ¿Cómo puedo mejorar mi puntaje de crédito?
- ¿Cómo me puedo preparar para solicitar un préstamo de negocios?
- ¿Qué factores toman en cuenta los bancos cuando solicito un préstamo de negocios?

Presentadoras:
Jennifer Rodríguez, Springboard Nonprofit Consumer Credit Counseling
Valery Belloso, ACCION San Diego

Jueves, 9 de Febrero, 8:30am a 10:30am
Flyer- Spanish Workshop Feb. 9

Joe & Vi Jacobs Center
Community Room en el primer nivel
404 Euclid Ave., San Diego, CA 92114
Líneas de autobús: 3, 4, 5, 13, 916, 917. Parada en Euclid Ave.
Por Trolley: Línea Anaranjada. Parada en Euclid Ave.
¡Inscríbase hoy! En línea al http://tinyurl.com/accioncredito
o lláme a ACCION al (619) 795-7250
Patrocinado

¡Inscríbase hoy! En línea al http://tinyurl.com/accioncredito o lláme a ACCION al (619) 795-7250

They have just started a new program creating a limited-edition collection of hats, only available to those that pledge to this kickstarter page.  They work with marginalized women on the outskirts of Lima in communities called “pueblo jovenes”.  These squatter towns lack electricity, pumped water, and sewage systems and are filled with vulnerable families that are living without opportunity for employment or education.

This hat collection features three colorways, each of which is made from a fine alpaca/acrylic yarn blend.  They have the exclusive label designated for this kickstarter campaign which so appropriately reads, “limited edition”.

Additionally, each product will be hand-signed by the person who made it, so you can know who you are supporting.  Their profiles will be available online this Fall so you can learn more about them.

For more innovative global microfinance initiatives, check out this blog.

The 2011 Summit, held between November 13th and November 18th in Spain, addressed issues such as poverty outreach, over-indebtedness and unethical collection practices, transformation in microfinance, and building partnerships with corporations.  To watch the opening summit session, “Beyond ‘Ethical’ Financial Services: Developing a Seal of Excellence for Poverty Outreach and Transformation in Microfinance” presented by John de Wit, the managing director of Small Enterprise Foundation in South Africa please click the link below.
“Beyond ‘Ethical’ Financial Services” Plenary Session

For more highlights or to receive more information about  the Global Microcredit Summit, please visit their website.

(1) Get into shape. There’s no better time to start working toward that beach body! Exercise and healthy eating help you look good and feel better, increasing productivity and creativity in your business endeavors. However you choose to do it, make sure your goals are realistic and stick to it for five weeks. It takes about that long for an activity to become habit! If you need some extra help, check out ACCION SD client Fabulous Muscles for vitamins and other essential supplements. Free shipping to anyone in San Diego! www.fabmuscles.com

(2) Learn something new. Learning adds to your skills and adds a new dimension of interest to your life – another important part of achieving a healthy work-life balance. What you choose to learn can be directly related to your business or something that just interests you. Going to classes and workshops are great opportunities to meet new and interesting people, who may become customers, colleagues, or friends. ACCION San Diego and our non-profit partners offer free small business workshops through-out the year. This year ACCION SD plans on expanding its workshops to include more topics and greater opportunities to network. Make sure to check out our “Growing Your Business” event coming up at the end of the month!

(3) Shop and dine local. There is no better way to grow the economy and sup-port your community than eating and shopping at your local mom and pop businesses. Luckily, ACCION San Diego is connected with hundreds of local small businesses. When you need to buy a gift, fix your car, or find a place to eat, be sure to check out ACCION SD’s Client Business Directory and support a local business. www.accionsandiego.org/client_business_directory.html

(4) Finish your taxes… early. Are you notorious for waiting until the last minute to start everything? Do you find yourself scrambling to find stray business receipts? This year, don’t wait until April to start your taxes. Start fresh in 2012 by organizing your books from day one and hopefully you can start enjoying your rebate check sooner! If you need some professional help, check out ACCION SD’s client CVMR Enterprises for tax preparations services. Call Carlos at (619) 497-0333.

(5) Give back. There are all kinds of worthy organizations that make a difference in your community. Make a New Year’s resolution to find a cause that matters to you, and give what you can. It doesn’t just have to be money! Find a committee to serve on or become a mentor or volunteer. Giving and getting involved with non-profits are a great way to get you and your company recognized in the community. Remember, it pays to give! You may consider a donation to ACCION SD and support local businesses. www.accionsandiego.org

(6) Go on an adventure! Is there something that you’ve always wanted to do, but never found the time to do it? Have you ever jumped out of a plane or gone scuba diving? Maybe there’s a destination you’ve always wanted to go to. Whatever it is, make 2012 the year you try something new and exciting. Looking for a local adventure? ACCION SD client San Diego Fly Rides is a fun and exciting way to explore San Diego. Zip through downtown, La Jolla, or Balboa Park on your very own motorized bicycle. www.sandiegoflyrides.com

(7) Take care of yourself. You’ve worked hard in 2011. It’s time to spend a little bit of time for yourself in 2012. If you’re a business owner, remember that you are solely responsible for your own motivation, productivity, and well-being. There is no boss to pat you on the back or give you a raise. It’s up to you to keep yourself motivated and inspired. In 2012, be sure to reward yourself for specific milestones like a big client win, meeting a tough deadline, or working “overtime.” If you need an idea for a local get-away, check out ACCION SD client Escondido Wellness Center and pamper yourself with a well-deserved spa day! www.escondidowellnesscenter.com

(8) Start or expand a business. Do you have a great business idea or project and have been putting it off? Perhaps 2012 is the year to take action! Don’t have the capital? ACCION SD is committed to entrepreneurs like you and we want to help you achieve your 2012 business goals. Give us a call at (619) 795-7250 to explore our financing options. We can also connect you with business counseling and other small business re-sources to help you turn your dreams into reality. www.accionsandiego.org

Main Site: www.pubfish.com

Blog: http://blog.pubfish.com/

Quick Video/Slides: http://www.pubfish.com/images/videos/tour.mov

They are also hosting a few webinars in the next couple of months:  Webinars.  We encourage you all to sign up!

A low income and a low credit score that cost the local the opportunity to get a traditional loan from a bank does not mean that all their chances are thrown drown the drain. Accion can take a person in at their Euclid Avenue office that had to go through a bankruptcy more than a year in the past.

The question is does the San Diegan have the character to succeed?  Not just anyone can make their mark in their neighborhood, or in the big town. Carpenters and hairdressers have to grow their business accounts and their reputation among customers. Proof of a loan applicant’s commitment to their business they hold the idea on and will run is the first judgment the staff at Accion makes. Someone to stand behind them is the second. A supervisor or a customer that was a regular at their shop counter counts for a lot.

Once funded with a $500 loan, anyone can prove they are worth giving credit in local business. Accion’s clients have to give in return for the money they take. When they walk in the doorway after all payments have been made on the 12 percent to 18 percent interest rate first loan, they have to have convinced the staff their fiannces are secure by paying all the payments within 5 days of the due date. A second, and if needed, larger loan, will come with a lower interest rate for the client that earned a little credit.

The non-profit just needs a little help of their own. Private donations give Accion a financial foundation to stand on.

For the full article, please visit The Examiner‘s website.

We look forward to seeing you there!

Farmers Market

• Locally grow organic produce

*Grown by youth at San Pasqual Academy*

Baked Goods

• Kupcakes for Kenya

*Portions of the proceeds will go to the children of Kenya*

Mexican Folk Art

• Copper
• Dishes
• Figurines

*Sold by micro enterprise Youth group ME4ME

Arts and Crafts

• Piñatas
• Jewelry
• Purses

*Sold by micro enterprise group “Women in Action*

Located at:
2612 Daniel Ave
San Diego, CA 92111
(858) 560-0871
For more info Call Yolanda at X108 or Roshawn at X120

Support our Clients!  The holidays are here! Support microfinance and shop local while you’re shopping for your family and friends. Check out these ACCION clients who are offering holiday savings!

For more shopping ideas visit our Online Client Directory.
Also check out ACCION USA’s Online Holiday Marketplace.

Please join The International Rescue Committee in San Diego & Google Places San Diego as we sample the fare from local restaurants and promote domestic microfinance initiatives.

IRC Micro-Finance Bus Tour
December 10th, 10:30am—12:30pm
$20 per person    $15 with student ID.
The bus will leave the City Heights Farmer’s Market at 10:30am.
Transportation will be provided to Sammoon Bakery and Restaurant in El Cajon, and then to Fatuma’s Pizza (Formerly Safari Grill) in City Heights.

At each location, speakers will talk briefly about their experiences as refugee small business-owners.
The cost of the event covers round-trip transportation and sample food at both restaurants.

There will be multiple opportunities to use smart phones and cameras to promote our IRC-supported businesses. Feel free to bring them along!

For more information and to purchase tickets, visit http://www.rescue.org/us-

program/us-san-diego-ca/tour