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Terri Denison (2nd Appearance) Full Interview · The Steve Harvey Morning Show

• 0:00
  Speaker 1: My next guest is the Georgia District Director of the
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  Speaker 1: US Small Business Administration the s B, as is known,
• 0:06
  Speaker 1: and this role since May two thousand two. She is
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  Speaker 1: responsible for overseeing the implementation of the SBA's financial counseling, training,
• 0:15
  Speaker 1: and business development programs for small businesses throughout Georgia the
• 0:19
  Speaker 1: entire state. She holds a BA degree and American Government
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  Speaker 1: from Cornell University and an m A Degree in Urban
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  Speaker 1: Studies from Trinity University in San Antonio, Texas, which is
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  Speaker 1: my state. Yeah. She is also a graduate of the
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  Speaker 1: Federal Executive Institute in Charlottesville, Virginia. Please welcome back to
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  Speaker 1: money Making Conversation my good friend Terry Dennison and state
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  Speaker 1: that's right, that's right, that's right. So, you know, always
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  Speaker 1: like the fact that you you've crossed you know, this
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  Speaker 1: country and you've so mays you experienced a lot of conversations,
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  Speaker 1: a lot of personalities. Has that helped you in your
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  Speaker 1: role a bid over the s B A, Oh, definitely, um,
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  Speaker 1: because from each assignment or position or location. Um, you know,
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  Speaker 1: there's different things to learn and or you get new
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  Speaker 1: ideas that you can take with you to the next location. Right,
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  Speaker 1: what did what did you know? Everybody wants to be
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  Speaker 1: a small business owner. I know, I told about my
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  Speaker 1: story and named too when I opened my comedy club
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  Speaker 1: and I just jumped out there, put a sign outside,
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  Speaker 1: put charge charging people ten dollars, didn't know about taxes,
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  Speaker 1: didn't know a boy licenses. And then I went down
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  Speaker 1: to the small business and you guys offer assistance for free.
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  Speaker 1: Why do you feel that people don't know? I'm not
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  Speaker 1: saying they know. I didn't know, you know, And I
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  Speaker 1: think that people still don't know. Is it because people
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  Speaker 1: feel that it's difficult. They don't want to know what
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  Speaker 1: what what stops him from doing it? Right? Oh? Wow? Um?
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  Speaker 1: I think it's part of partly what you've just said
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  Speaker 1: that people are concerned, especially if you talk about the
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  Speaker 1: federal government. Oh I've done want the federal government in
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  Speaker 1: my business. Or they feel like it's going to be
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  Speaker 1: a hassle and a lot of hoops to jump through.
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  Speaker 1: And there are hoops to jump through. But that's a
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  Speaker 1: good thing because in the end, you really want to
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  Speaker 1: know what you owe and what what is what is
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  Speaker 1: really your profit margin? Because in the end, you know,
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  Speaker 1: I didn't know I had to pay taxes on my
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  Speaker 1: tickets that I sold to the customers. So eventually I
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  Speaker 1: did know and I had to pay for that. So
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  Speaker 1: I was living in a false profit lane. And I
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  Speaker 1: think that that that really doesn't give you the true estimate.
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  Speaker 1: But if in short, before we get started, just just
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  Speaker 1: a global look at what exactly, from your point of
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  Speaker 1: view and your leadership that the S s b A
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  Speaker 1: provides to established business or new business. Let's talk about
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  Speaker 1: the new business first. Okay, well, I think one of
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  Speaker 1: the best things we do is provide a sounding board.
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  Speaker 1: Uh when someone has an idea said, okay, we see
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  Speaker 1: a kernel of practicality in that, but we need to
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  Speaker 1: slage that idea more to make it practicable and also
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  Speaker 1: to make it a success. I think one of the
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  Speaker 1: big mistakes is that people run off and take off
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  Speaker 1: with the first version of the idea that they had
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  Speaker 1: right right, and they end up losing a lot of
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  Speaker 1: time and money that way. But if you come to us,
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  Speaker 1: we can kind of help you decide if this is
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  Speaker 1: a good direction to go into what you would need
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  Speaker 1: to do. But you know that's what paranoia. Stealing my idea.
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  Speaker 1: I don't want about steal my idea. You know, I
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  Speaker 1: have this original thought, I go down there where they
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  Speaker 1: still and next I know, I turn around corner and
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  Speaker 1: my my business ideas on this corner. How do you
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  Speaker 1: calm these calm individuals down You know, I come from
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  Speaker 1: a writer's background, so creative or freedom is always there.
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  Speaker 1: There's a stand up comic you is always worried about
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  Speaker 1: somebody stealing your joke. Again, you have to talk to
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  Speaker 1: somebody to understand the value. Are the legs, are the
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  Speaker 1: opportunities for your business because down there you provide guidelines,
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  Speaker 1: you provide books, if you want to open the clube.
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  Speaker 1: You can talk about how our expensive this space insurance
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  Speaker 1: will be for if it's three thousand square fee, how
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  Speaker 1: many chairs. Gre's a lot going on at the SBA
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  Speaker 1: that people need to know about correct well. In terms
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  Speaker 1: of the confidentiality issue. First of all, as federal employees,
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  Speaker 1: we cannot get, you know, gain from our day to
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  Speaker 1: day work. So counseling and consulting with people as part
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  Speaker 1: of that, and that extends to our resource partners for
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  Speaker 1: small business development centers, women business centers, that are business
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  Speaker 1: reach centers. All those consultants are bound by the same
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  Speaker 1: code of ethics. So now let's talk about the established
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  Speaker 1: business just out there, maybe in the visible one year,
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  Speaker 1: maybe two years, a multiple years. I really haven't found
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  Speaker 1: their footing yet. How can the s b A help
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  Speaker 1: them out? Well, we can help them with strategic planning,
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  Speaker 1: you know, we can look at their business model to see,
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  Speaker 1: you know, how it's working and specides where it's not
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  Speaker 1: working and provide ideas to how to take something that
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  Speaker 1: even if things are going well, to make them better, right, right, right,
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  Speaker 1: and how do you make it better? I won't put
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  Speaker 1: you on the spot there, but I'm just trying to
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  Speaker 1: really this is a great interview right for me personally,
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  Speaker 1: because I'm just I'm just talking about certain things that
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  Speaker 1: I feel that I know people have come up to
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  Speaker 1: me have stopped themselves from being successful because they're afraid.
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  Speaker 1: They're afraid of communicating. And then guess what, the people
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  Speaker 1: they're talking to don't know either, So it's like, you know,
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  Speaker 1: dummy talking to another dummy. And I'm just trying to
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  Speaker 1: get people to step out of that box and go
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  Speaker 1: to the s b A. And and where are you
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  Speaker 1: located in in in Atlanta, Georgia where offices are at
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  Speaker 1: Peachtree Center and Harris Tower, third floor. Uh and uh
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  Speaker 1: the Atlanta score chapter, the real score chapter, because we
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  Speaker 1: have to now in Atlanta is co located with us.
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  Speaker 1: What is score score? Um in right in the small
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  Speaker 1: business active is the service core tied executives. They're trying
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  Speaker 1: to be simply scoring that because you will. You don't
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  Speaker 1: have to be retired more. You can be an active
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  Speaker 1: business person and still be a member. And they provide
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  Speaker 1: free They volunteer their time to provide free one on
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  Speaker 1: one counseling and they also provide low costs training on
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  Speaker 1: a variety of subjects. Right now, someone listening in Texas,
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  Speaker 1: someone listening in California. There are SBA law offices in
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  Speaker 1: every state exactly, and territory and territory now we say territory,
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  Speaker 1: what do you mean when you say that, Puerto Rico, Guam,
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  Speaker 1: and Virgin Island and of course Washington, d C. And
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  Speaker 1: so with that being said, the whole purpose of the
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  Speaker 1: s b A I'm assuming, is to develop businesses. If
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  Speaker 1: you develop business as incommon as taxes generating. So there's nothing,
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  Speaker 1: there's no agenda here. It's there to make a city stronger,
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  Speaker 1: make a community stronger. And that's the whole purpose. So
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  Speaker 1: when you come on the shoulder like this, what does
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  Speaker 1: your don message that you're trying to get out to
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  Speaker 1: the general public about s b A. I think the
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  Speaker 1: main thing is that we are there to help you,
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  Speaker 1: whether you're getting started, whether you are an existing business. Um,
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  Speaker 1: maybe you're now having some challenges as your business has
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  Speaker 1: grown and evolved, and we can help you at that
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  Speaker 1: stage as well. Here's the thing about I want to
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  Speaker 1: bring up this question because SBA does loans correctly well,
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  Speaker 1: we guarantee loans right when I would like my um
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  Speaker 1: nephew in Houston, when Harrickane Harvey came through, his business
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  Speaker 1: was disrupted, bye bye, damage to win damage and flooding. Now,
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  Speaker 1: is there is there available tools at the SPA that
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  Speaker 1: would have assisting about it? Who who are who business
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  Speaker 1: get damaged in the Atlanta area or the State of
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  Speaker 1: Georgia area due to flooding or trying to reboot their business?
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  Speaker 1: There is and that's actually handled by our office Disaster
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  Speaker 1: does that to Assistance, which is almost like a separate
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  Speaker 1: agency within sp A. Now that side of the house
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  Speaker 1: actually does direct lending, no interest loans repayment up to
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  Speaker 1: thirty years period and it's for declared the disasters, either
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  Speaker 1: declared by the President or the SBA administrator. Okay, cool,
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  Speaker 1: let's do a quick recap on our first break. Okay,
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  Speaker 1: you go down to the office. You have score a
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  Speaker 1: weight doing you score is retired or active business owners,
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  Speaker 1: So you're not You're not getting advice from some person
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  Speaker 1: that's been hired to fulfill a cubicle. These gentlemen who
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  Speaker 1: have been in the trenches. I made the mistakes. I
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  Speaker 1: made mistakes when I was a business owner. Sometimes you
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  Speaker 1: have to make a mistake to understand how to do
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  Speaker 1: it right. So they're there to advise. I could couldn't
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  Speaker 1: used the word mentor to mentor you through the process
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  Speaker 1: if you're or a new business or startup or if
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  Speaker 1: your current business. Secondly, um you have with the agency
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  Speaker 1: you are isn't available in every state. SBA is in
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  Speaker 1: every state and territories territory including Guam, the Virgin Islands,
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  Speaker 1: in Puerto Rico, in Washington, d C. And then finally,
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  Speaker 1: can I use the word the services you provided are
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  Speaker 1: free for the most part, Yes, Okay, Look, we charge
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  Speaker 1: a little bit for training or the training in our
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  Speaker 1: office conducts us free, but our resource partners are allowed
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  Speaker 1: to charge to cover the cost of the training. They
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  Speaker 1: don't make a profit, right, And so with that being said,
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  Speaker 1: how does one make that call? How does one break
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  Speaker 1: that glass ceiling? They're going, okay, I'm I'm I'm afraid
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  Speaker 1: to call the SBA. Who do I call? My phone
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  Speaker 1: call is going to be recorded? Who do they call?
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  Speaker 1: Promote terry? Who they call? Well, actually, you can call
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  Speaker 1: our resource partners directly. For example, you got the Georgia
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  Speaker 1: Smallment Development Center Network Georgia SBDC dot uh uh, let's
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  Speaker 1: see dot org. But you can just do Small Development
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  Speaker 1: Center regardless of where your listeners are, to see where
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  Speaker 1: the network is there and make an appointment. Same thing
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  Speaker 1: with US District Office in their location of s b A. Okay,
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  Speaker 1: the location of s b A. Now I'm going back
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  Speaker 1: to when I know, many years ago, many many moons,
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  Speaker 1: and when I went to the SBA, they had they
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  Speaker 1: had i want to say, manuals where it allowed you
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  Speaker 1: to go in and they would just look, if you
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  Speaker 1: want to open a nightclub, you want to open a restaurant,
• 10:31
  Speaker 1: you want to open a flower shop, there's different managers
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  Speaker 1: that you can just go up and you can open
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  Speaker 1: up this book and it can tell you, uh, if
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  Speaker 1: you got a three thousand square foot or four thousand
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  Speaker 1: or side, this is what the potential insurance can be.
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  Speaker 1: This is what glasses will cause, this is what chairs
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  Speaker 1: will cause. Is that type of information still available at
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  Speaker 1: the SBA. We don't do the Entrepreneurship entrepreneur dot com series,
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  Speaker 1: and just because that information changes a month. So, but
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  Speaker 1: our resource partners, for example, Small Business Development Center Day
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  Speaker 1: have a lot of access to data and information like that.
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  Speaker 1: So a lot of times people will will direct them
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  Speaker 1: to go to the Small Business Development Center and they
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  Speaker 1: can't help them with industry specific information because because you
• 11:20
  Speaker 1: know the thing about the reason I say that, because
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  Speaker 1: of the fact you're absolutely right, because it's a general
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  Speaker 1: tendency to people whole you accountable from where they get
• 11:29
  Speaker 1: the information. Well, you said the glass was supposed to
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  Speaker 1: be five cents, when I went out, there were eight cents.
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  Speaker 1: Somebody's cheating on me. The government's money not being spent correctly.
• 11:37
  Speaker 1: I know you know to preach, so I won't preach it.
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  Speaker 1: More on in my studio today with money making conversations,
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  Speaker 1: my dear friend Terry Dennison, she is the Jargia, District
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  Speaker 1: director of the us UH Small Business Administration, which is
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  Speaker 1: known to everybody is the sp A. She's been there
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  Speaker 1: since two thousand two. Guess what, She's back on my
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  Speaker 1: show and it hasn't been two thousand deuces that last saw.
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  Speaker 1: She's here to help you. If your small business owners
• 12:02
  Speaker 1: please listen up and take note and make some comments
• 12:05
  Speaker 1: on may'a facebook page. Sean McDonald, I'm back money making conversation. Uh,
• 12:12
  Speaker 1: anybody out there listening to the show, I just want
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  Speaker 1: to tell you something about being successful. It takes effort,
• 12:18
  Speaker 1: takes planning, and takes relationships. A lot of people don't.
• 12:22
  Speaker 1: You can't be successful by yourself. You can. You can
• 12:25
  Speaker 1: have short term burst of success, but eventually you're gonna
• 12:28
  Speaker 1: wear down. Eventually, doubt's gonna creep in. You gotta have
• 12:32
  Speaker 1: people who are willing to support you emotionally and sometimes financially.
• 12:37
  Speaker 1: But I'm telling them that financial support gonna come real slope.
• 12:42
  Speaker 1: Everybody's there to pat you on the back of sample
• 12:44
  Speaker 1: your food. But the reason I brought the SBA back
• 12:47
  Speaker 1: onto the show is that I don't think I can
• 12:49
  Speaker 1: bring them on the show enough to talk about anybody
• 12:52
  Speaker 1: whether you're trying to start aside barbecue stand or a
• 12:55
  Speaker 1: car wash out of a bucket, that is a business.
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  Speaker 1: And my guests is the Jargia District director of the
• 13:00
  Speaker 1: US Small Business Administration, which we all know is the SBA.
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  Speaker 1: So I don't want to you get lost by saying
• 13:06
  Speaker 1: what is the Small Business Administration? Is the s b A.
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  Speaker 1: She's been in the roles as May of two thousand two.
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  Speaker 1: She's responsible for overseeing the implementation of the SBA's financial counseling, training,
• 13:17
  Speaker 1: and business development programs for small businesses throughout Georgia. So
• 13:22
  Speaker 1: welcome back to my show. Oh, it's great to be here.
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  Speaker 1: I appreciate you. Here's a couple of questions that they
• 13:26
  Speaker 1: sent over that I also wanted to get out to
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  Speaker 1: the general public. And let's take our time and let's
• 13:31
  Speaker 1: really flush it out so people can leave with pen
• 13:34
  Speaker 1: in hand. And the answers tied to that question, how
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  Speaker 1: is the government, federal government doing and meeting its small
• 13:41
  Speaker 1: business goals? Okay, we just came out with the fiscal
• 13:45
  Speaker 1: year two thousand eighteen scorecard that we do every year
• 13:49
  Speaker 1: where we look at various federal agencies and what they've done. Um, naturally,
• 13:54
  Speaker 1: there's a goal of t of federal contracting dollars annually
• 13:58
  Speaker 1: should go towards the small business of the federal government's
• 14:04
  Speaker 1: contract spent. And so for physical year eighteen we hit
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  Speaker 1: twenty uh it was five forty five point two billion
• 14:14
  Speaker 1: total in federal spending, so throughout the fifty states in
• 14:18
  Speaker 1: the territory, right right, Uh, So you know we're talking
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  Speaker 1: about over half a trillion dollars and so of that, um,
• 14:27
  Speaker 1: you know, ideally should have gone to small business, it
• 14:31
  Speaker 1: ended up being. Okay, let me ask you when you
• 14:34
  Speaker 1: when you say small should go to small business, what
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  Speaker 1: does that mean when you're just a half a trillion
• 14:39
  Speaker 1: dollars that's being spent, How is that being I'm I'm
• 14:44
  Speaker 1: being honest. Become kind of confused with that means when
• 14:47
  Speaker 1: you say goals to small business, what does that mean? Well,
• 14:51
  Speaker 1: by statute, there are goals that are set up. Okay,
• 14:54
  Speaker 1: so for small business it's twenty three percent um. So
• 14:59
  Speaker 1: this year twenty of the dollars spent on federal contract
• 15:03
  Speaker 1: and went to small business. So we actually yes, okay, cool, okay.
• 15:08
  Speaker 1: And so this is a general question, how does one
• 15:11
  Speaker 1: become a player in that in that game. M hm, well,
• 15:16
  Speaker 1: I think the first of all, and this is the
• 15:17
  Speaker 1: advice I always give people, federal contract is really then
• 15:22
  Speaker 1: extension of your core business. It's another level or another
• 15:27
  Speaker 1: avenue to support you. Because a lot of times people say, Okay,
• 15:31
  Speaker 1: I'm a government contract. I want to be a government contract. Well,
• 15:34
  Speaker 1: that's not an industry. A lot I want to get
• 15:39
  Speaker 1: into government contract. You're a your construction company that does
• 15:42
  Speaker 1: work with the federal government. You're an engineer that does
• 15:44
  Speaker 1: work with the government. Federal contracting is not a business.
• 15:50
  Speaker 1: So what people need to look at is is the
• 15:52
  Speaker 1: federal government. And it's funny people don't think about this
• 15:55
  Speaker 1: as they do with their commercial business. Is the federal
• 15:58
  Speaker 1: government buying when I'm selling? And and if so, how much,
• 16:02
  Speaker 1: how frequently, which agencies are doing it? And there are
• 16:05
  Speaker 1: always to get that information and how well federal couples
• 16:11
  Speaker 1: uh sites, Federal Procurement Data Center or system. Uh that's
• 16:17
  Speaker 1: a website where you you know, I see a lot
• 16:19
  Speaker 1: of seminars just these agencies say you come here and
• 16:24
  Speaker 1: we can show you how to get the federal contract.
• 16:27
  Speaker 1: I think that's where a lot of it comes from.
• 16:29
  Speaker 1: You have these people out there talking using the word
• 16:31
  Speaker 1: federal contract like it's actually a business when because they say,
• 16:36
  Speaker 1: you come here where I teach you how to get
• 16:38
  Speaker 1: your your E I N Number, T set up your taxes,
• 16:41
  Speaker 1: your code for your business and all that, and they
• 16:44
  Speaker 1: will charge you. Yeah, their businesses. But there are avenues
• 16:49
  Speaker 1: that people can take that they don't have to part
• 16:51
  Speaker 1: with their cash right away. That's why I have you
• 16:53
  Speaker 1: here to tell people about. So I would say definitely,
• 16:57
  Speaker 1: and this is existing each state and territory. The Procurement
• 17:01
  Speaker 1: Technical Assistance Centers p TAX funded by d O D
• 17:06
  Speaker 1: and what they do is they like our small business
• 17:08
  Speaker 1: Development centers, except they focus on strictly federal contracting. So
• 17:13
  Speaker 1: they can help you figure out translate what you do
• 17:16
  Speaker 1: into the various codes, and do help you do the
• 17:19
  Speaker 1: research to see who's buying how much frequently. The Procurement
• 17:25
  Speaker 1: Technical Assistance we're trying to get some multiple streets of
• 17:29
  Speaker 1: income happening up in here, Okay, on money made conversation.
• 17:33
  Speaker 1: So yeah, just then we're just staring at they're just
• 17:35
  Speaker 1: staring at. Up just a search and you can find
• 17:39
  Speaker 1: out where the PA tax is in your particular area,
• 17:42
  Speaker 1: and they you know, don't charge you for that. Uh,
• 17:47
  Speaker 1: if you're of online geek type, USA spending dot gov
• 17:52
  Speaker 1: as a very user friendly website where you can see
• 17:57
  Speaker 1: what purchases have been made, who's made them. You can
• 18:01
  Speaker 1: even drill it down to how much money has been spent,
• 18:04
  Speaker 1: but you know, or contracts and let okay, that's all.
• 18:08
  Speaker 1: This is great, but you gotta have your act together.
• 18:11
  Speaker 1: You do have to have you you know, I mean
• 18:13
  Speaker 1: your DUNS and Bradstreet. What are the things that they
• 18:17
  Speaker 1: need to have because it's like, you know, you just
• 18:19
  Speaker 1: can't go from Wow, you go online, you see all
• 18:23
  Speaker 1: this information. You have to have your certifications and your everything.
• 18:28
  Speaker 1: You can you walking through some of the stuff that
• 18:29
  Speaker 1: they have to have. So let's not get them excited
• 18:32
  Speaker 1: and they walk out there they go, well, you ain't
• 18:33
  Speaker 1: din it about all that? Yeah, so okay, we've decided
• 18:36
  Speaker 1: there is opportunity. Yes, you know, we've done that part.
• 18:40
  Speaker 1: So now they have to register with a tailor DUNS
• 18:44
  Speaker 1: number and it can be free and that can be
• 18:47
  Speaker 1: free and it's thirty days if you If it's free,
• 18:49
  Speaker 1: you now you can pay a higher feeing give it
• 18:51
  Speaker 1: to you a lot faster, but it's at least thirty days. Yeah,
• 18:55
  Speaker 1: especially if you tell them you're doing it because you
• 18:56
  Speaker 1: want to do work with the federal for certification. Uh,
• 19:00
  Speaker 1: then you register in the System for Award Management SAM
• 19:07
  Speaker 1: Systems SAM, Samantha SAM. Okay, so everybody, if you want
• 19:12
  Speaker 1: to get everything goes through SAM, including your payment. Once
• 19:17
  Speaker 1: you've done the work, you know, you put all the
• 19:20
  Speaker 1: information about your business there, what certifications you ask, all
• 19:24
  Speaker 1: that goes there. Okay, So that that's the administrative But
• 19:31
  Speaker 1: I would also college, because everybody wants to. I'm gonna
• 19:34
  Speaker 1: be a prime contractor, right and go straight big bucks.
• 19:37
  Speaker 1: What you also need to look at is maybe kind
• 19:40
  Speaker 1: of easing your way, especially if you've had no experience
• 19:44
  Speaker 1: in the federal arenas. So maybe start as a subcontractor
• 19:48
  Speaker 1: with a prime and some of that work they will
• 19:52
  Speaker 1: funnel to you. And then you can get your feet wet,
• 19:54
  Speaker 1: make contacts with someone who has that experience in federal
• 19:58
  Speaker 1: contract or you can form a joint venture for a
• 20:01
  Speaker 1: particular contract with a more experience and then and then
• 20:07
  Speaker 1: we have mentor protege agreements that allow larger companies and
• 20:12
  Speaker 1: smaller companies to form. And that's what happened with me
• 20:15
  Speaker 1: and the Air National guard. You know, we took a
• 20:17
  Speaker 1: small business, but we was able to partner up with
• 20:20
  Speaker 1: other the teaming partners. You can say that as a word,
• 20:23
  Speaker 1: because you know, we was able to partner up with
• 20:25
  Speaker 1: larger firms that were not small businesses, but they was
• 20:28
  Speaker 1: able to team together and be able to but they
• 20:31
  Speaker 1: cared a functionality that we couldn't achieve, whether it was
• 20:34
  Speaker 1: media buying, a design or a service that there's no
• 20:38
  Speaker 1: way we have the manpower to achieve. So I say
• 20:42
  Speaker 1: that to say that the government is not trying to
• 20:44
  Speaker 1: be in the big business. They're trying to be in
• 20:47
  Speaker 1: the small business. And and so. But you have to
• 20:51
  Speaker 1: have your everything lined up because you you can't be audited.
• 20:54
  Speaker 1: It definitely, definitely, And you could be something as simple
• 20:59
  Speaker 1: as if you take credit cards for payment, you can
• 21:05
  Speaker 1: uh engage in micro purchases. Well, every fel like our office,
• 21:11
  Speaker 1: has a purchase card. All we can do purchases up
• 21:14
  Speaker 1: to five thousand. I think that's going to go up
• 21:17
  Speaker 1: to ten. Some legislation and a foot now to increase
• 21:21
  Speaker 1: that so that if you're already doing commercial business and
• 21:24
  Speaker 1: using a credit card, that could be your way. Okay, cool,
• 21:28
  Speaker 1: let me ask you this you know, you just some
• 21:30
  Speaker 1: times on my show, and I'm happy, always happy to
• 21:32
  Speaker 1: have you on the show. Is there any particular year,
• 21:35
  Speaker 1: you know, because I want to bring you back. Is
• 21:37
  Speaker 1: it any particular we should have a conversation or encourage
• 21:40
  Speaker 1: businesses to kick off, or you know, like the end
• 21:43
  Speaker 1: of the year and get your taxes in on that
• 21:46
  Speaker 1: two thirty one, and then you try to file your
• 21:48
  Speaker 1: taxes because those days are there in March fifteen April fifteen,
• 21:51
  Speaker 1: I think that you start extending. Are there any periods
• 21:54
  Speaker 1: where small businesses should should use to the advantage to
• 21:58
  Speaker 1: start opening up? Well, of course, a lot of time
• 22:01
  Speaker 1: people gravitate towards the beginning of the calendar. Yere Okay,
• 22:04
  Speaker 1: this is the year I'm gonna I've been playing with
• 22:07
  Speaker 1: this idea in my head. This is the year I'm
• 22:08
  Speaker 1: gonna put it into practice, or this is the year
• 22:12
  Speaker 1: I want to take my business in a different direction
• 22:14
  Speaker 1: or expand. So that's you know, we get a lot
• 22:19
  Speaker 1: of traffic during that time. Of course, this past year
• 22:23
  Speaker 1: we did because people were on a little hiatus. The
• 22:29
  Speaker 1: beauty of everything that you're talking about is that there's
• 22:32
  Speaker 1: an opportunity, that's an option and that's your goal again.
• 22:36
  Speaker 1: Can you tell everybody how they can reach out to
• 22:38
  Speaker 1: the s b A here in the Georgia market and
• 22:42
  Speaker 1: also nationally well nationally www SBA dot gov and you
• 22:49
  Speaker 1: can go there and go under a local assistance and
• 22:53
  Speaker 1: they'll take you to the particular s BA in your
• 22:56
  Speaker 1: office in your location. And then for the folks here
• 22:59
  Speaker 1: in Georgia SBA dot gov Ford slash g A for Georgia.
• 23:04
  Speaker 1: Thanks you to the Georgia District website. You can see
• 23:07
  Speaker 1: what's going on here in the state, what we're up to,
• 23:09
  Speaker 1: and how to reach us. Can once your appointments. There's
• 23:12
  Speaker 1: everything on the phone, because one could come down and
• 23:15
  Speaker 1: talk to somebody or everything's done online and on the phone.
• 23:19
  Speaker 1: People do come by and we will sit with them
• 23:22
  Speaker 1: and then can kind of direct them to where they
• 23:25
  Speaker 1: can go for more hands on but at least we
• 23:28
  Speaker 1: can help them outline outline a road map for doing that. Terry, again,
• 23:35
  Speaker 1: our time flies because you have information that we need
• 23:38
  Speaker 1: to hear. As always give us some information so I
• 23:41
  Speaker 1: can put on my fan club, put on my social media. Again.
• 23:45
  Speaker 1: Anytime you need us money making conversation is your home.
• 23:48
  Speaker 1: Thank you Getting Terry Dennis, thank you,