Nobel Peace Prize Resonates in New Hampshire

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					                                                                                                                                         january - march 07

                                          Nobel Peace Prize Resonates in New Hampshire
                                          THE RECENT AWARDING OF                         self-employed individuals.                  population of 60% women, on a much smaller
                                          the Nobel Peace Prize to Muhammad                                                          scale of thousands and in different economic
                                          Yunus, founder of the Grameen Bank in          Today, MicroCredit-NH provides              circumstances. However, MicroCredit-NH’s
                                          Bangladesh, has brought recognition and        loan capital up to $15,000 (originally      95% loan repayment rate (Grameen Bank’s is
                                          appreciation for microfinance programs         $5,000), enhanced technical assistance      99%) is a testament to Mr.Yunus’ principle that
                                          worldwide. Yunus, considered the               and is the only provider of business        peer lending works.
                                          father of microfinance, is responsible for     savings accounts for the Individual
                                          developing the microfinance industry,          Development Account (IDA) matched           New Hampshire Relies on Microenterprise
                                          which has provided millions a self-            savings program in New Hampshire.
                                          help path out of poverty. This award                                                       An impressive 87% (or 115,000) of all
                                          celebrates the long-reaching effects of                                                    businesses in the state of New Hampshire are
                                          microcredit programs to secure peaceful                                                    microenterprises. This translates to over 151,000
                                          communities through an alleviation of                                                      people currently employed by microbusinesses
                                          low-income cycles.                                                                         – making the microenterprise segment the
                                                                                                                                     backbone of New Hampshire’s economy.
                                          MicroCredit-NH’s Roots
                                          Found in Grameen Bank                                                                      The Keene Sentinel featured the MicroCredit-
                                                                                                                                     NH program in an article and editorial after
                                          In the early 1980s, the microfinance                                                       the announcement of the Nobel Peace Prize.
                               rket, N    industry came to the United States and                   Muhammad Yunus,                   The editorial concluded, “…money alone isn’t
                     phy, N
               otogra                     made its way to New Hampshire with                  founder of the Grameen Bank            what makes a business succeed. Know-how
        iter Ph
  Jay Re                                  the origination of MicroCredit-NH in                                                       is extremely important and the microfinance
                                          1996. The program was inspired by the                                                      industry knows it. That’s why, of all the other
 Family-owned Businesses                  Grameen Bank, and was founded on               How MicroCredit-NH Compares                 things that can improve the lot of less well-off
                                          the same principle of providing small                                                      people in this country – a higher minimum
 Making A Comeback with                   business loans through peer groups to          While MicroCredit-NH’s mission and          wage, accessible health insurance, steadier jobless
 Berlin Couple                            those with little or no credit histories, in   loan services are similar to those of the   benefits and so on – microfinance is a remarkably
                                          order to increase income and economic          Grameen Bank, there are also differences    appealing tool” (November 24, 2006).
 Read more about Laura and                                                               between the two. The Grameen Bank
                                          stability. In addition, MicroCredit-NH
 Keith Lynch on the back page.                                                           serves millions of clients, 97% of which    MicroCredit-NH is thrilled with the Nobel
                                          added educational and networking
                                          components to its peer lending services,       are women. Its average loan amount          Peace Prize award and the recognition
                                          making it the only statewide provider          is $200, and MicroCredit-NH’s is            of microfinance internationally and in
                                          of microloans and business training for        $2,985. MicroCredit-NH serves a             New Hampshire.

                                          Member Milestones
                                          AS USUAL, MICROCREDIT-NH                       Paul Tykodi, owner of Tykodi                device, allowing for nationwide distribution.
 MicroCredit-NH is a                                                                     Consulting Services, LLC                    The product helps disabled individuals to
                                          members are making significant
                                          achievements as they develop their             ( in Dover.                  safely stand up to participate in outdoor
                                          businesses. Here’s the latest news:            While these outstanding business            activities (including golf). In August, the
 of the New Hampshire                                                                    owners weren’t selected for awards          ParaMobile was used by a disabled veteran
                                            Six MicroCredit-NH members were              this year, we received feedback from        to throw out the first pitch at a Fisher Cats
 Community Loan Fund.                       nominated for New Hampshire                  NHBR staff that the nominees were           game in Manchester, as well as a Boston Red
                                            Business Review’s (NHBR) Annual              impressive and highly regarded in           Sox game at Fenway Park.
 Its mission is to increase                 Business Excellence Awards presented         this close competition.
 the income and economic                    in October. Nominees included:                                                           Interested in publicizing your
                                                                                         Noah Elbers, owner of Orchard               milestone? Let us know about it
                                            John DeTore, owner of BoyKid                 Hill Farm and Breadworks in
 stability of the                           Hobbies in Claremont                         East Alstead, was nominated by
                                                                                                                                     for upcoming issues and on the web
                                                                                                                                     by sending an email to tdolphin@
 self-employed by                           Linda Matchett, owner of the Tuc’            MicroCredit-NH and Regional        Check out more
                                            Me Inn Bed and Breakfast                     Manager Robin Picard for the Small          member news by visiting the “What’s
 providing access to                        ( in Wolfeboro              Business Administration’s 2007              New” page at
                                            Kurt Muhlfelder, owner of South              Young Entrepreneur Award.
 business development                                                                    Diana Taylor, author and
                                            End Media (www.southendmedia.
                                            com) in Concord                              owner of Pug at the Beach

 resources, technical
                                            Lisa Sieverts, owner of Facilitated          (, was
                                                                                         a featured speaker at the Women’s
                                                                                                                                      Did You Know?
                                            Change ( in
                                            Harrisville                                  Business Center annual September
 assistance and expanded                                                                 luncheon, “Celebration of New
 market opportunities.
                                            Richard Tango-Lowy, owner of ars
                                            Cognita, Inc. (
                                                                                         Hampshire Women Business                      Entrepreneurship Week
                                                                                         Owners.” Her inspiring speech
                                            in Manchester                                about overcoming a life-threatening            USA is February 24 -
                                                                                         illness and then starting and
                                                                                         operating a successful business was
                                                                                         the highlight of the event for many.
                                                                                                                                           March 3, 2007.
                                                                                         Roxie and Ken Zwicker, owners of                Celebrate America’s
                                                                                         New England Curiosities Walking
                                                                                         Tours (www.newenglandcuriosities.
                                                                                         com) in Portsmouth, were featured
                                                                                                                                        entrepreneurial spirit
                                                                                         on WMUR’s New Hampshire                        and encourage young
                                                                                         Chronicle in December.
                                                                                         John Hikel, owner of ParaBaseTec
                                                                                         USA ( in
                                                                                                                                         people to consider
PERMIT NO. 1537                                       Concord, NH 03301
 CONCORD NH                                           7 Wall Street                      Goffstown has announced that his               entrepreneurship as a
                                                                                         product, the ParaMobile, has been
                                                                                         approved by the FDA as a medical
  US POSTAGE                                                                                                                                career choice!
                                                                                                   FREE SESSIONS

                                               PROGRAM ORIENTATIONS
                                               Individuals interested in accessing MicroCredit-NH’s business resources are required to be oriented to the program
                                                  by a Regional Manager prior to joining a Business Group. Registration is required for all program orientations.

                                                   NORTH COUNTRY REGION                           EAST CENTRAL REGION                              SOUTH CENTRAL REGION
                                                   Joyce Presby, Regional Manager                 Claudia Needham, Regional Manager                David Hamel, Regional Manager
                                                   To register, contact Joyce at (603) 620-0745   To register, contact Claudia at (603) 620-5709   To register,contact David at (603) 620-0963
                                                   or                   or                    or
                                                   DAY SESSIONS                                   DAY SESSIONS                                     DAY SESSIONS
         MICROCREDIT-NH                            Bethlehem                                      Conway                                           Concord
            REGIONS                                North Country Council, 107 Glessner Rd.        Mt. Washington Valley Economic Council           NH Community Loan Fund, 7 Wall St.
                                                   Wednesdays, 1/10, 2/14 and 3/14, 9 – 11 AM     Technology Village, 53 Technology Ln.            Tuesdays, 1/16 and 2/20, 4 – 6 PM
           North Country (NC)
                                                                                                  Tuesdays, 2/27 and 3/27, 3 – 5 PM
           West Central (WC)                       Gorham                                                                                          Derry
           East Central (EC)                       One Bean Street, 212 Main St.                  Laconia                                          Derry Public Library, 64 East Broadway
                                                   Wednesdays, 1/17, 2/21 and 3/21, 9 – 11 AM     Laconia Area Community Land Trust                Mondays, 2/5 and 3/5, 4 – 6 PM
           South West (SW)
                                                                                                  658 Union Ave.
           South Central (SC)                      Lancaster                                      Tuesdays, 1/16 and 2/20, 2 – 4 PM                Manchester
           South East (SE)                         Weeks Memorial Library, 128 Main St.                                                            1. Amoskeag Business Incubator
                                                   Wednesdays, 1/3 and 3/7, 2 – 4 PM              Meredith                                         33 South Commercial St.
                                                                                                  Meredith Public Library, 91 Main St.             Wednesdays, 1/10, 2/14 and 3/14, 4 – 6 PM
                                                   North Stratford                                Wednesdays, 1/3, 2/7 and 3/7, 4 – 6 PM
                                                   Blueberry Hill Bed & Breakfast                                                                  2. Manchester Community
                                                   484 US Route 3                                 Ossipee                                            Resource Center
                                                   Thursdays, 1/11, 2/8 and 3/8, 9 – 11 AM        Ossipee Public Library, 74 Main St.              177 Lake Ave.
                                                                                                  Wednesdays, 1/10, 2/14 and 3/14, 4 – 6 PM        Wednesday, 2/7, 3 – 5 PM
                                                   EVENING SESSION
                                                   Lancaster                                      Wolfeboro                                        Nashua
                                                   Coos Economic Development Council              Wentworth Economic                               Business Information Center, 151 Main St.
                                                   148 Main St.                                   Development Corporation (WEDCO)                  Thursdays, 1/11 and 3/8, 1– 3 PM
                                                   Wednesday, 2/7, 6 – 8 PM                       Citizens Bank building, 7 Center St.
                                                                                                  Tuesdays, 1/23, 2/27 and 3/27, 10 AM – 12 PM     Salem
                                                                                                                                                   Kelley Public Library, 234 Main St.
                                                   WEST CENTRAL REGION                            EVENING SESSION                                  Tuesdays, 1/9, 2/13 and 3/13, 1 – 3 PM
                                                   Janet Cote, Regional Manager                   North Conway
                                                   To register, contact Janet at (603) 620-0319   The Met Coffee House                             EVENING SESSIONS
                                                   or                     2680 White Mountain Highway                      Concord
        Visit                                                                                     Thursday, 1/11, 6:30 – 8:30 PM                   NH Community Loan Fund, 7 Wall St.
                                                   DAY SESSIONS                                                                                    Tuesday, 3/20, 4:30 – 6:30 PM                              Bristol
                                                   Grafton County Economic Development            SOUTH WEST REGION                                Nashua
      today!                                       Council, 10 North Main St., 2nd floor          Robin Picard, Regional Manager                   Nashua Public Library, 2 Court St.
                                                   Tuesdays, 1/16 and 3/20, 10 AM – 12 PM         To register, contact Robin at (603) 620-1269     Tuesday, 2/27, 6 – 8 PM
ACKNOWLEDGEMENTS                                   Lebanon
                                                   The Dartmouth Regional Technology              DAY SESSIONS                                     SOUTH EAST REGION
MicroCredit-NH is generously                       Center, Centerra Resource Park                 Keene                                            Jennifer Murphy Aubin
supported by Citizens Bank,                        16 Cavendish Court (off Route 120)             Hannah Grimes Center, 25 Roxbury St.             Regional Manager
the City of Manchester, Samuel P. Hunt             Tuesdays, 2/13 and 3/13, 2 – 4 PM              Tuesdays, 1/23 and 2/20, 3 – 5 PM                To register,contact Jennifer at (603) 496-0520
Foundation, NH Community                                                                                                                           or
                                                   New London                                     Milford
Development Finance Authority,                     Carriage House Community Meeting               Wadleigh Memorial Library, 49 Nashua St.         DAY SESSIONS
NH Community Development Block                     Room, 124 Newport Rd.                          Wednesday, 3/21, 4 – 6 PM                        Dover
Grant Program, NH State Council on                 Thursdays, 2/1 and 3/1, 4 – 6 PM                                                                Café on the Corner, 478 Central Ave.
the Arts, Unitil, Cambridge Trust                                                                 Newport                                          Thursdays, 1/4 and 2/1, 2 – 4 PM
                                                   Plymouth                                       Richards Free Library, 58 Main St.
Company and is endorsed by all NH                  Plymouth Chamber of Commerce, 1 Foster St.     Wednesday, 1/24 & Thursday, 2/15, 3 – 5 PM       Exeter
County Commissions.                                Tuesdays, 2/6 and 3/6, 10 AM – 12 PM                                                            ArtWorks-NH orientation for
                                                                                                  Peterborough                                     a local Arts Business Group
The Network Content:                               Tilton                                         Peterborough Savings Bank Annex                  Exeter Elementary School, 30 Lincoln St.
                                                   Twin Rivers Community Corporation              45 Main St.                                      Tuesday, 1/16, 4 – 6 PM
Tara Dolphin                                       608 West Main St.                              Thursday, 1/25 & Wednesday, 2/21, 3 – 5 PM
Marketing and Communications Manager               Thursdays, 1/11, 2/8 and 3/8, 10 AM – 12 PM                                                     Portsmouth
MicroCredit-NH                                                                                    EVENING SESSION                                  Me & Ollie’s Café
                                                   EVENING SESSION                                Walpole                                          10 Pleasant St., Market Square
Original Design:                                   Hanover                                        Savings Bank of Walpole, North Meadow            Thursdays, 1/25 and 3/22, 4 – 6 PM
                                                   Howe Library, Murray Room, 13 East South St.   Plaza, 68 Ames Plaza Ln., Route 12
Teresa Troy, VCA, Nottingham, NH                   Wednesday, 3/28, 6 – 8 PM                      Thursday, 2/22, 6 – 8 PM                         Raymond
                                                                                                                                                   Ocean National Savings Bank, 55 Main St.
                                                                                                                                                   Thursdays, 1/18, 2/15 and 3/15, 12 – 2 PM
                                Special Opportunity for                                                                                            Rochester
                                                                                                                                                   Citizens Bank, 1 North Main St.
                                MicroCredit-NH Members!                                                                                            Thursdays, 2/8 and 3/8, 2 – 4 PM

                                                                                                                                                   EVENING SESSION
 MicroCredit-NH members are invited to participate at a reduced registration rate in the                                                           Portsmouth
 Institute, presented by The School of Community Economic Development at Southern New Hampshire University (SNHU). This                            Portsmouth City Hall, 1 Junkins Ave.
 “boot camp” for community-minded entrepreneurs will be held on Thursday, 3/29, 5 – 9 PM and Friday, 3/30, 9 AM – 5 PM.                            Tuesday, 2/13, 6:30 – 8:30 PM

 Location: SNHU, 2500 North River Road, Manchester
 RSVP: Deadline for registration is Friday, 3/23. Register online at
 Cost: $50 (special rate for MicroCredit-NH members – a $200 value!) for both days including meals (dinner, continental breakfast
 and lunch). Scholarships are available. Please contact Veronica Kamerman at if you would like to apply.

 Farm, and Michael Swack, Dean of the School of Community Economic Development, will tell “tales from the trenches” Thursday

 selected to sit on the “hot seat” to have cases they submitted in advance explored by the panel and fellow participants.
                                                                                                                                                      How to Register:

Unless otherwise stated below, please contact MicroCredit-NH at 1-800-769-3482 or email for more information and to register. Workshop fees are $15 for
                                                                                                                                                      1. Call MicroCredit-NH at 1-800-769-3482 or send
                                                                                                                                                         an email to:
                                                                                                                                                      2. We now accept credit cards! Provide your
                                                                                                                                                         card number to MicroCredit-NH via telephone.
                                                                                                                                                      3. Send a check, made payable to MicroCredit-NH.
                                                                                                                                                         Indicate workshop name and location on memo
                                                                                                                                                         line. Mail check to:
MicroCredit-NH members and $20 for non-members.                                                                                                          MicroCredit-NH, 7 Wall Street, Concord, NH 03301

 Bristol                                            Gorham                                         Lebanon                                              New London
Location: Newfound Regional School                  Location: Gorham Family Resource              Location: The Dartmouth Regional                      Location: Tracy Memorial Library
District Lifelong Learning Program at               Center, 123 Main Street                       Technology Center, Centerra                           304 Main Street
Newfound Regional High School                       Marketing Roundtable                          Resource Park, 16 Cavendish Court                     Build Your Business Ferociously!
1 Newfound Road                                     Thursday, 2/15, 11 AM – 1 PM                  How to Get Your                                       Thursday, 1/11, 6 – 9 PM
Marketing on a                                      Discuss marketing ideas with other local      Customers to Pay                                      Increase your marketing exposure while spending
Shoestring Budget                                                                                 Tuesday, 1/9, 10 AM – 12 PM                           less money, and transform your business from
Wednesday, 2/7, 6:30 – 8:30 PM                      marketing efforts. Bring a bag lunch and      Find out how you can make more money with             “ho-hum” to downright staggering. Learn over 103
Ever place a print ad for a lot of money and        your own marketing materials to receive       your existing customers by implementing               low-cost strategies to market your business.
see little, or no, return? Marketing is essential   feedback and ideas for improvement.           and enforcing a credit policy, and watch              Sponsor: Raising Granite Business Solutions
for maintaining and growing your business,          Featured Speaker: Joyce Presby                your customers pay in full – and on-time.             (MicroCredit-NH Business Group)
but it doesn’t have to cost a fortune.This          Cost: $15 members/$20 non-members             Participate in realistic debt collection calls in     RSVP: Heather Turner at (603) 938-2433
workshop will cover effective, low-cost marketing                                                 preparation for making your own.                      Featured Speaker: Ted Gorski, Executive
techniques that attract potential customers.        Groveton                                      Co-sponsor: Grafton County                            Coach, Get Your Edge
Featured Speaker: Janet Cote                        Location: Northumberland Public               Economic Development Council                          Cost: $5 members/$10 non-members, checks
Cost: $15 members/$20 non-members                   Library, 22 State Street                      Featured Speaker: Michelle Dunn,                      payable to Raising Granite Business Solutions
                                                    Financial Toolkit Tune-up                     Author/Consultant (featured inWall Street
                                                                                                  Journal and on CBS Early Show)                        Newport
 Conway                                             Wednesday, 1/24, 6 – 8 PM                     Cost: $60, includes a copy of the
Location: Mt. Washington Valley                     Streamline business operations by                                                                   Location: Sugar River Valley Technical
                                                                                                  book Become the Squeaky Wheel, a
Economic Council, Technology Village                understanding and using the information       Credit & Collections Guide for Everyone               Center, 243 North Main Street
53 Technology Lane                                  generated by your accounting software’s       by Ms. Dunn; “New Account Packets” for                Marketing on a Shoestring Budget
Is Your Marketing Working?                                                                        collections use; tip sheets on “Easy Ways             Tuesday, 1/30, 6 – 8 PM
                                                    income statements and balance sheets will     to Collect” and a free membership to                  See Bristol Description
Thursday, 2/15, 10 AM – 12 PM                       be covered. Please bring a calculator.                       Featured Speaker: Tara Dolphin
Are your marketing dollars translating into         Featured Speaker: Joyce Presby
customers? Learn to evaluate your advertising                                                                                                           Cost: $15 members/$20 non-members
                                                    Cost: $15 members/$20 non-members              Lisbon
and promotional efforts for maximum results,                                                      Location: Lisbon Town Office
and create a marketing plan and budget.                                                                                                                 Plymouth
                                                    Jaffrey                                       21 School Street                                      Location: Pease Public Library
Featured Speaker: Claudia Needham
Cost: $15 members/$20 non-members                   Location: Jaffrey Civic Center                Assessing Opportunities for                           1 Russell Street
                                                    40 Main Street                                Business Growth and Success                           Assessing Opportunities for
 Derry                                              Blogging as a Marketing Tool                  Wednesday, 3/14, 6 – 8 PM                             Business Growth and Success
Location: Bank of America                           Wednesday, 1/17, 6 – 8 PM                     See Dover Description                                 Tuesday, 3/27, 6:30 – 8:30 PM
57 Crystal Avenue                                   Christine Halverson will demystify the        Featured Speaker: Joyce Presby                        See Dover Description
Financial Toolkit Tune-up                           “blogosphere.” Find out what it is, how to    Cost: $15 members/$20 non-members                     Featured Speaker: Janet Cote
                                                    blog, and how blogging can be used to                                                               Cost: $15 members/$20 non-members
Monday, 2/12, 5:30 – 7:30 PM                        promote and market your business. Chris
Streamline business operations by                                                                  Manchester
                                                    will share some of her blogging experiences   Location: Unwined
understanding and using the information                                                                                                                 Portsmouth
generated by your accounting software’s                                                           865 Second Street, Mallard Pond Plaza                 Location: The Rosa Restaurant
                                                    Featured Speaker: Christine
                                                    Halverson of Halverson New Media,             Synergistics Networking                               80 State Street
statements and balance sheets will be covered.      LLC, and professional blogger for             Anniversary Party                                     MicroNet Networking Night
Featured Speaker: David Hamel                       Stonyfield Farm Yogurt                        Tuesday, 2/20, 6 – 8 PM
Cost: $15 members/$20 non-members                                                                                                                       Tuesday, 2/27, 6:30 – 8:30 PM
                                                    Cost: $15 members/$20 non-members             All MicroCredit-NH members are invited                Meet MicroCredit-NH members from the South East
                                                                                                  to sip, relax and enjoy as the Synergistics           region and practice your 30-second business pitch.
 Dover                                              Keene
Location: The McConnell Center                      Location: Continuing Education at             evening meet and greet will provide an                from making new contacts and renewing existing
61 Locust Street                                    Keene State College, 229 Main Street          opportunity for MicroCredit-NH members                relationships. Light refreshments will be served.
Assessing Opportunities for                         Morrison Hall – Room 206                      from all over NH to exchange business                 Sponsor: Empowered Entrepreneurs
                                                                                                  cards, make connections and pitch their               (MicroCredit-NH Business Group)
Business Growth and Success                         Assessing Opportunities for                   businesses. Cash bar and dinner fare.                 RSVP: By 2/20 to Roxie Zwicker at (207)
Tuesday, 3/13, 6:30 – 8:30 PM                       Business Growth and Success                   Sponsor: Synergistics                                 439-8905 or
Small business owners are often so busy             Tuesday, 3/6, 6 – 9 PM                        (MicroCredit-NH Business Group)
managing and maintaining daily operations,                                                                                                              Cost: None
                                                    See Dover Description                         RSVP: Becky O’Neil, (603) 624-9707
there is little time and energy left to look        RSVP: Continuing Education of Keene           Cost: None
outside and ahead of the business for future        at (603) 358-2290. Reference course
development.This workshop will feature              NCPP-290-N16C.                                Location: Amoskeag Business                           Location: Rochester Community Center
assessment tools for both start-up and              Featured Speaker: Robin Picard                Incubator, 33 South Commercial Street                 150 Wakefield Street
experienced businesses to identify possible         Cost: $50                                                                                           Tax Strategies: Filing Your
growth opportunities.                                                                             Hitting the Bulls Eye:
Featured Speaker: Jennifer Murphy Aubin                                                           Strategic Marketing                                   Schedule C
                                                    Location: Keene Community                                                                           Wednesday, 1/17, 6:30 – 8:30 PM
Cost: $15 members/$20 non-members                                                                 Tuesday, 3/6, 9 – 11 AM
                                                    Education at Keene High School
                                                                                                  Access market research solutions and
                                                    43 Arch Street
 Gilford                                                                                          proactive planning and promotional
                                                    From Business Plan to                         strategies to successfully “hit the bulls eye”
Location: Southern NH University’s
Gilford Campus, 2 Airport Road
                                                    Success: 4-part series                        with identifying, attracting and retaining
                                                    Thursdays, March 22nd, 29th,                  your most likely customers.
Brainstorm + Brand = BOOM!                                                                        Featured Speaker: David Hamel
                                                    April 5th and 12th, 5:30 – 8:30 PM
Thursday, 3/15, 8:30 AM – 4 PM                      Research shows that successful businesses     Cost: $15 members/$20 non-members
Get your creative juices flowing and boost                                                                                                              Sponsor: Future Fortunes
                                                    work from a business plan.Whether                                                                   (MicroCredit-NH Business Group)
                                                    you’re just starting-up, or operating an       Nashua                                               Featured Speaker: Kim Perkins, owner of
of new ideas and cutting edge strategies,           existing business, increase the likelihood    Location: Nashua City Hall                            Books by the Numbers, LLC
increase your visibility, marketing results,        of your long-term success by creating and     229 Main Street, Room 208                             Cost: None
                                                    using a business plan. Participants with      Assessing
and blow your competition out of the water.         completed business plans will have the
Space limited to 30 participants.                   opportunity for review.                       Opportunities for
Co-sponsors: Belknap County Economic                                                              Business Growth and
                                                    RSVP: Keene Community Education at
Development Council, SCORE Lakes                                                                  Success
                                                    (603) 357-0088
Region, Greater Laconia-Weirs Beach
                                                    Featured Speakers: Gary Chabot,               Thursday, 3/22, 6 – 8 PM
Chamber of Commerce
                                                    Vermont SBDC; Tara Dolphin,                   See Dover Description
Featured Speakers:
                                                    Marketing and Communications                  Featured Speaker:
Claudia Needham; Kevin Skarritt, Chief
                                                    Manager, MicroCredit-NH;                      David Hamel
Nut of Acorn Creative; and Lani Voivod
                                                    and Robin Picard                              Cost: $15 members
of Epiphanies, Inc.
                                                    Cost: $60 ($15 per session) members           $20 non-members
Cost: $40, includes lunch
                                                           $80 ($20 per session) non-members
All In The Family: Family-owned Businesses
Making A Comeback with Berlin Couple

KEITH AND LAURA LYNCH’S                        Keith’s long-standing reputation in the
four children will be ready to step in         community. While Keith is on painting
when their parents are positioned to           jobs, he also promotes North Star Web
hire employees for their two home-             Services. He secured two new web
based businesses. 10-year-old Danielle         clients during his last job.
has already lent her talents by fixing
a glitch in the logo of her mother’s           Critical Crossroad:                          Today, Laura reports the MicroCredit-NH
enterprise, North Star Web Services.           Enter MicroCredit-NH                         Tutorial Curriculum has been “absolutely

                                                                                                                                                            North Star
                                                                                            instrumental,” causing her to change her
Thanks to teamwork that seems to be a          Business hasn’t always been booming.         method of bookkeeping and identify how
family trademark, both Keith and Laura
operate thriving businesses sharing
                                               In early 2006, the Lynches were at a
                                               crossroads with the recent opening of
                                                                                            the couple was spending money in the
                                                                                            wrong places. “MicroCredit-NH hasn’t
                                                                                                                                                              Web Services
the same name: North Star. Laura’s             North Star Web Services. “Between two
newly launched business specializes in                                                      made us rich, but it has gotten us out of
                                               businesses, we should’ve been able to        the Poorhouse,” she explained.
website design, hosting, databases and         make a good living – but we weren’t,”                                                        ways to use the money – the business line
graphic design services. Keith’s 20-year-      said Laura. Keith was injured on the                                                         was a suggestion from a member,” said
old business, North Star Painting,                                                          The Lynches have also made significant          Laura. “I wouldn’t have been able to do
                                               job, and considered closing the painting     contributions to the Valley Ventures
offers exterior and interior house             business to work full-time with Laura.                                                       any advertising without the loan. Most
painting. While Keith has over 30 years                                                     group, by providing leadership and              microbusinesses don’t have $500 sitting
experience as a painter, he is also well-                                                   goals, designing a group website                around.”
versed in web development, holding                                                          ( and
degrees in computer technologies               “ I wouldn’t have been                       helping to organize the group-sponsored         With Keith’s recent injuries, he couldn’t
and operating systems. Laura’s                                                              Microenterprise Showcase tradeshow in           continue his strict, old-world style of
graphic design and web expertise are            able to do any advertising                  Berlin last September.                          the “paint, pot and brush” technique.
complemented by Keith’s talents.                                                                                                            Realizing he had to “change or fold,”
                                                without the loan - most                     Powerful $500 Loans                             Keith’s loan paid for a spray gun he uses
It Takes Two                                                                                                                                to apply paint and back-brush it. Keith
                                                microbusinesses don’t have                  Keith and Laura have each taken $500            credits the loan process and feedback
“We make a good team because Keith                                                          loans through MicroCredit-NH. Laura’s           from his group for making him more
understands computer language and               $500 sitting around.”                       paid for local newspaper advertising and        open to change. “I value the viewpoints of
coding, and I focus on the graphic                                                          a business phone line. She reports the          my group members very highly,” he said.
design portion of our clients’ website                                                      loan process wasn’t as difficult as she had     “The fact that we have different businesses
development,” explained Laura. Some            Laura’s mother recommended                   imagined, as she’d been bookkeeping the
                                               MicroCredit-NH, having heard of the                                                          isn’t important. We put our ideas
current clients include an insurance agency,                                                correct way (as a result of Tutorials) for      together and it helps out considerably.”
home inspector and consulting firm.            program through her work at the Family       several months prior to the applications.
                                               Resource Center at Gorham. The couple
                                               then visited the Valley Ventures Business                                                    Future is Bright
The Lynches also strengthen each other’s                                                    “It was a good experience because we
businesses with marketing support. By          Group in Berlin. “We were sold right off     had to convince our peers we needed the
                                               the bat by the potential of the program,”                                                    Laura plans to host more microbusiness
cross-marketing the North Star name,                                                        money, and I discovered I had flaws in my       websites, and now offers discounted
Laura is maximizing and enriching              Keith said.                                  plan. The group helped me find other            pricing for MicroCredit-NH members.
                                                                                                                                            She’s also working to make North Star
                                                                                                                                            Web Services a household name in the
                                                                                            Group Isn’t Artist-Exclusive                    Berlin, Gorham and Milan communities.
GROUP PROFILE                                                                               While BIG includes several artists,
                                                                                                                                            “It’s very costly for a small business to
                                                                                                                                            have a website,” Laura commented. “It’s
What’s the BIG Idea? Wolfeboro Business Group                                               individuals from other industries are           a leap of faith, but I offer considerably
Works Together – and for Each Other                                                         also represented. Jim owns Positively           lower pricing and more web education
                                                                                            Creative Solutions, a technology                for the client.”
                                                                                            consulting and web design firm in Alton. “I
THE BUSINESS INVESTMENT GROUP,                 “My book was all made possible because       come from a technology perspective, but         Within two years, Keith plans to work
known as “BIG,” is nearing its first           of my involvement in MicroCredit-NH,”        being with so many creative people in this      strictly indoors. A master painter, he
anniversary and is already a model for         Duane said. “This can be classified as a     group has provided a great exchange of          will market himself as a local expert
how MicroCredit-NH groups can operate          real success story and inspire others to     ideas for me,” Jim explained.                   in interior painting. “Interior work is
successfully.                                  publish a book, too. You can make                                                            my forté, and the current local trend is
                                               anything happen if you work with             Linda Matchett, owner of the Tuc’ Me            to restore properties to their original
This group of nine outstanding business        MicroCredit-NH.”                             Inn Bed and Breakfast in Wolfeboro,             beauty,” said Keith. “The time is right for
owners uses the tools that make groups                                                      is another non-artist group member. “I          me to make this transition.”
excel, such as meeting facilitators, work      Jim’s wife, Donna Aldrich Fontaine           hesitated to come to MicroCredit-NH
plans and monthly business spotlights          is an oil and pastel painter. She is         before because I felt I was beyond what the     As for MicroCredit-NH, the Lynches
– and they clearly enjoy each other.           currently working on an art book and         program offered,” Linda admitted. “But I
                                               several children’s stories while painting                                                    are looking forward to continued
Most striking is that the majority of the                                                   now realize that I didn’t know as much as       participation. Both business owners have
members are cross-marketing and hiring         commissioned pet portraits. Donna credits    I thought! My business has grown more
                                               MicroCredit-NH with providing her with                                                       second loan applications in mind. “It has
one another for business contracts,                                                         this year than over the 3 ½ years I was in
                                               a wealth of knowledge through its business                                                   helped us so much already,” Keith said.
making MicroCredit-NH’s expanded                                                            business before joining BIG.”
markets resource a tremendous value.           planning and marketing workshops.                                                            “We are excited about the future.”
Need to Publish a Book?                        Art Works with Cross-Marketing               Alternative to an MBA?                          For more information on North
Ask a Fellow Member!                                                                                                                        Star Web Services or North Star
                                               Stacie Hubbard, owner A Walk in              The group’s dedication to learning and          Painting, call (603) 752-3089
BIG consists of five artists, three married    Wellness massage therapy, will soon          growth is inspiring to its members. “I feel     or visit
couples and two book-related business          open a day spa in Alton. Using feedback      like I’m on a path to an MBA through this       and
owners. “Group effort” barely describes        from her group members, she has              group,” commented Duane. “We haven’t            MicroCredit-NH member pricing
how BIG members contributed to a               avoided trouble spots in its development.    scratched the tip of the iceberg of what this   for North Star Web Services is
new book by one of their peers. Duane          “MicroCredit-NH is something I wish I        group can learn and do,” Jim added.             available at
Hammond, who specializes in fine art           knew about sooner,” Stacie commented.                                                        microcreditnhpricing.html.
pastel paintings of pigs in human-like         Stacie has offered to hang a variety of      To learn more about BIG and membership
situations accompanied by humorous             photographs taken by BIG member and          opportunities in Carroll County, contact
captions, wanted to publish a book             artist, Karen Klitgaard. This will           Claudia Needham at (603) 620-5709 or
version of his work. Fellow BIG                enhance Karen’s marketing efforts by
member Brad Marion, owner of Beech             providing awareness and a wider
River Books publishing in Ossipee,             market for her artwork.
offered to publish the book for Duane.
BIG members also selected the book’s           Artists Sandy Hammond and
cover photo, which shed light for Duane        Dawn Marion split the cost of a
on what appeals to the general public.         tent for the “Art in the Park” event
Since December, he’s held signings of          in North Conway last summer.
Pigs in a Poke Collection #1 at                Together, they set-up their displays                                                         7 Wall Street, Concord, NH 03301
local bookstores statewide. The book is        and offered “moral support” to
                                               one another during this intensive                                                                      1.800.769.3482
now available for purchase on Duane’s
website, which was designed and built by       marketing event.                                                                   
another BIG member, Jim Fontaine.