Tuesday, December 25, 2012
Wednesday, December 12, 2012
Branding of Our Products or Services!
When you stop and think about Apple® products, what comes to mind? Creativity? Innovation? Style?
What about BMW®? You might instantly think of luxury, speed, and performance. Or, perhaps you imagine yourself behind the wheel of one of their cars, whipping around turns and experiencing the thrill of racing down a highway at top speed.
When you stop and
think about Apple®products, what comes to mind? Creativity? Innovation? Style?
What about BMW®? You
might instantly think of luxury, speed, and performance. Or, perhaps you
imagine yourself behind the wheel of one of their cars, whipping around turns
and experiencing the thrill of racing down a highway at top speed.
Brand identity i.e a
big part of the success of Apple and BMW. They've created and sustained
specific and emotional ideas around their brand, and these ideas resonate
strongly with their customers.
A successful brand
identity reflects people's values and beliefs, and how they would like to see
themselves.
However, without a clear and meaningful identity, a brand can
quickly fade away.
Kapferer's Brand
Identity Prism identifies six key things that you need to think about when
developing a brand identity.
.......coming soon!.........
Saturday, December 8, 2012
Eliminate the passion killers:
True leaders inspire employees to reach their potential.
That’s a tall order. More often, leaders fall into the trap of becoming passion killers.
One practical way forward is asking your team to catalog “passion killers,” and systematically try to eliminate them.
Common ones include endless meetings, email that’s too long or too short, lack of customer input, hypercritical reaction to ideas, no recognition, no coaching and interdepartmental conflict.
That’s a daunting list.
Start with the easy ones: Eliminate meeting A, revise form B, and get yourself a coach.
If your aim is true, you’ll receive goodwill and appreciation in return.
— Adapted from Liberating Passion, Omar Khan with Paul Brown, Wiley
Tuesday, December 4, 2012
Learn from the Bald Eagle ways to become a Smart Businessman:
When I read about bald eagles and about the way they live, I always start thinking about what a businessman can learn from them in order to become successful and that is what this article is about.
1.Vision
Bald eagles are birds that can often be found on very high altitudes. There they soar and with their very sharp eyesight they have a clear view on the world below them and especially on the prey they want to catch; fish, that is what they like most.
They can see the milky white spot in the water from a distance of many miles. In high places they build their nests.
On a rock, on the top of a tree but always on a spot where they
have a good view on the world that surrounds them. And from
their castle they see what is happening around them and that
gives security.
The businessman should also have a clear view on what is happening in the market.
From very far he should recognize his potential customers and "attack" them at the right moment. At the same time he should be aware of the dangers that surround him, anticipate, absorb the environment and be prepared to act immediately.
2.Knowledge
Bald eagles are confined to their territories. With the seasons
some migrate but you find bald eagles only in a specific habitat
namely forests, mountains and near sea and rivers. You won't
find them in the desert. In their habitat they know what to do,
where they can find prey and which dangers surround them. By
instinct and by learning they have knowledge about the way they
have to conduct their lives and about how they have to behave
in this habitat. They will never go beyond the limitations of this
frame work. If they do, they die.
This holds a lesson for the businessman. He should know everything about his business and when I say everything, I mean
everything. He should know all about the products he sells from beginning to end, every detail should be an open book to him. He can never be surprised with questions on which he has no answers. He should know about marketing techniques, the position and plans of competitors etc., etc. And if he doesn't possess this knowledge by nature, he has to learn it.
3.Enough is enough
When Bald Eagles catch prey, they will catch only one fish at a time.It is not possible for them to catch more. But they know precisely how to catch this one fish.Their flying skills, their strong talons and their eyesight are extremely well developed and fit for the job.
Almost every attempt to catch a prey is successful.
This phenomenon also holds a wise lesson for the businessman.
He has to restrict himself to a number of products he can handle and products that matches his skills and abilities.
To stay in the animal world: if you are a cow don't try to jump fences like a horse. People will only laugh at you.
It is better to sell one product very well than ten without a satisfying result.
4.Courage
Bald eagles mate for life and they are absolutely loyal to each other.
From high altitudes the two birds tumble down in a dangerous free fall. Mocking the laws of gravity they unite.Only just above the tree tops they separate and fly wing by wing to the nest. This spectacular show requires great courage.
A businessman also needs courage to be successful. He has to make decisions about difficult and uncertain subjects. And he also needs to know when to stop his free fall. Having courage to make difficult decisions is not synonymous for being reckless. A decision that leads to disaster is not a decision, but a wild guess.
You see....the businessman can learn a great deal from this majestic bird that embodies not only beauty, strength and freedom but that possesses also the essential conditions and abilities to survive.
The beginning businessman as well, who is maybe starting his business in great uncertainty about the future, can learn from the bald eagle:
Flying high starts with spreading your wings!
Tuesday, November 27, 2012
WAFANYABIASHARA WATANO WENYE UTAJIRI WA KUTUPWA TANZANIA:
Said Bakhressa Gulam Dewji, Rostam Aziz, Reginald Mengi na Ali Mufuruki, wametajwa na Jarida la Ventures Africa linalozungumzia masuala mbalimbali ya uchumi wa Afrika kuwa ndiyo matajiri zaidi nchini.
Anayeongoza katika orodha hiyo ni Bakhressa anayemiliki mali na fedha zenye thamani ya Dola za Marekani 620 milioni sawa na Sh992 bilioni (D
Anayeongoza katika orodha hiyo ni Bakhressa anayemiliki mali na fedha zenye thamani ya Dola za Marekani 620 milioni sawa na Sh992 bilioni (D
ola moja Sh1,600) akifuatiwa na Dewji ambaye utajiri wake ni Dola 560 milioni (Sh896 bilioni). Wengine na kiasi cha mali na fedha wanazomiliki kwenye mabano ni Rostam (Sh672 bilioni- Dola 420 milioni) Mengi (Sh448bilioni- Dola 280 milioni) na Mufuruki (Sh176 bilioni - Dola 110 milioni).
Matajiri hao wamepatikana baada ya kuangalia nafasi zao kifedha, ufanisi wa kampuni zao katika soko la hisa, mfumo wa wanahisa katika soko la hisa na mtiririko mzima wa fedha katika akaunti zao kwenye benki mbalimbali.
Jarida hilo linalotoka mara moja kwa mwezi kutoka Afrika Magharibi, limesema matajiri hao wa Tanzania ni kati ya Waafrika wenye utajiri ambao ni mabilionea 4,800 kutoka mataifa 17.
Asilimia kubwa ya watu 1,523 ni mamilionea na wamo katika ripoti ya watu matajiri Afrika.
Jarida hilo linataja jinsi matajiri hao walivyokuwa wajasiriamali wadogo kabla ya kuibuka na kuwa mabilionea.
Said Salim Bakhresa
Jarida hilo limesema chanzo cha utajiri wa Bakhressa ni mapato yanayotokanana uzalishaji wa bidhaa mbalimbali kwenye viwanda vyake.
Mfanyabiashara huyo aliacha shule akiwa na umri wa miaka 14 na kuanzisha biashara zake. Alianza kuuza urojo Zanzibar na baadaye alifungua mgahawa miaka ya 1970.
Mgahawa huo ulipanuka na alitumia faida yake kufungua mashine ya kusaga pamoja kiwanda za usindikaji vyakula, huku akiunda Kundi la Makampuni ya Bakhressa.
Aliendelea kusindika vyakula mbalimbali na kutengeneza unga wa mahindi na baadaye kuanzisha kiwanda cha kuoka mikate na baadaye kutengeneza chocolate, ice cream, vinywaji na makasha ya kufungashia bidhaa. Kutokana na shughuli hizo, kwa mwaka huingiza Sh800 milioni.
Kampuni zake kwa sasa zinafanya biashara mbalimbail katika nchi za Tanzania, Uganda, Malawi, Rwanda na Msumbiji na ameajiri zaidi ya wafanyakazi 2,000.
Gulam Dewji
Mfanyabiashara huyo ana utajiri unaokadiriwa kufikia Dola 560 milioni kutokana na kuzalisha bidhaa na kutoa huduma mbalimbali.
Ni mmoja wa mataikuni wa Tanzania tangu miaka ya 1970 na kazi yake kubwa ilikuwa kuingiza bidhaa mbalimbali kutoka nje.
Alianza na kampuni ndogo aliyoiita Mohammed Enterprises Tanzania, ambayo kwa sasa ni kati ya kampuni kubwa Afrika Mashariki na Kati.
Miongoni mwa mali zake ni Kiwanda cha 21st Century Textiles, moja ya viwanda vikubwa vya nguo Kusini mwa Jangwa la Sahara. Kampuni yake ina viwanda vinne, Tanzania na Msumbiji huku ikizalisha Dola 100 milioni kwa mwaka. Pia kampuni hiyo husindika juisi kwa matunda ya Tanzania, mafuta ya kula, sabuni na tishu.
Kampuni hiyo pia inamiliki kampuni ya bima, makontena, kampuni za kuuza mafuta ya petroli na maduka ya kuuza bidhaa mbalimbali zaidi ya 100 Tanzania nzima.
Hata hivyo, Gulam alisema jana kwamba takwimu zilizotolewa zimekosewa. Alisema kwa sasa yuko nje ya Dar es Salaam na atatoa taarifa sahihi atakaporejea.
“Kuna baadhi ya tarakimu zimekosewa niko Morogoro kuangalia biashara zangu nikirudi Dar es Salaam nitazungumza,” alisema Dewji.
Rostam Aziz
Ameelezwa kuwa utajiri wake umetokana na kuendesha shughuli zake mbalimbali ikiwamo kampuni za mawasiliano ya simu, madini na biashara za usafiri wa meli.
Mwanasiasa huyo mwenye asili ya Asia, alichaguliwa kwa mara ya kwanza kuwa Mbunge wa Igunga mwaka 1993 na alishinda kwa vipindi viwili.
Aliachana na ulingo wa siasa mwaka 2011. Anamiliki asilimia 19 ya Hisa za Kampuni ya Vodacom ambayo ina wateja zaidi ya milioni nane.
Ameelezwa pia kuwa anamiliki Kampuni ya Ujenzi ya Caspian na sehemu ya Bandari ya Dar es Salaam kwa kushirikiana na Kampuni ya Hutchison Whampoa ya Hong Kong.
Akizungumzia utafiti huo, alisema: “Umefanyika kwa umakini isipokuwa tu kwa upande wangu wanasemas ninamiliki asilimia 19 ya Kampuni ya Vodacom kitu ambacho si sawa kwani ninamiliki asilimia 35.”
Reginald Mengi
Mengi anakimiliki kampuni mbalimbali ikiwemo vyombo vya habari, viwanda vinavyozalisha vinywaji baridi vya Coca-Cola na ana mgodi wa dhahabu.
Mfanyabiashara huyo baada ya kufanya kazi ya uhasibu ambayo ndiyo taaluma yake, alifanya biashara ya kutengeneza kalamu za wino zilizopata soko kubwa Afrika Mashariki.
Leo hii, IPP Group ambayo Mengi ni mwenyekiti wake, inamiliki magazeti mbalimbali ikiwemo Financial Times, ThisDay na The Guardian, televisheni mbili kubwa Afrika Mashariki na Kati EATV na ITV na vituo vya redio. Anamiliki Kampuni za IPP Gold na Handeni Gold.
Ali Mufuruki
Utajiri wake unatokana na biashara mbalimbali za rejareja na za ushirika.
Ni mwanzilishi na Mwenyekiti Mtendaji wa Tanzania Infotech Investment Group.
Kampuni hiyo inajumuisha Watanzania na Waganda kwa ajili ya kuuza bidhaa za Afrika Kusini za Woolworth.
Infotech hufanya kazi ya uendelezaji makazi na ukodishaji, matangazo na shughuli za mawasiliano.
Matajiri hao wamepatikana baada ya kuangalia nafasi zao kifedha, ufanisi wa kampuni zao katika soko la hisa, mfumo wa wanahisa katika soko la hisa na mtiririko mzima wa fedha katika akaunti zao kwenye benki mbalimbali.
Jarida hilo linalotoka mara moja kwa mwezi kutoka Afrika Magharibi, limesema matajiri hao wa Tanzania ni kati ya Waafrika wenye utajiri ambao ni mabilionea 4,800 kutoka mataifa 17.
Asilimia kubwa ya watu 1,523 ni mamilionea na wamo katika ripoti ya watu matajiri Afrika.
Jarida hilo linataja jinsi matajiri hao walivyokuwa wajasiriamali wadogo kabla ya kuibuka na kuwa mabilionea.
Said Salim Bakhresa
Jarida hilo limesema chanzo cha utajiri wa Bakhressa ni mapato yanayotokanana uzalishaji wa bidhaa mbalimbali kwenye viwanda vyake.
Mfanyabiashara huyo aliacha shule akiwa na umri wa miaka 14 na kuanzisha biashara zake. Alianza kuuza urojo Zanzibar na baadaye alifungua mgahawa miaka ya 1970.
Mgahawa huo ulipanuka na alitumia faida yake kufungua mashine ya kusaga pamoja kiwanda za usindikaji vyakula, huku akiunda Kundi la Makampuni ya Bakhressa.
Aliendelea kusindika vyakula mbalimbali na kutengeneza unga wa mahindi na baadaye kuanzisha kiwanda cha kuoka mikate na baadaye kutengeneza chocolate, ice cream, vinywaji na makasha ya kufungashia bidhaa. Kutokana na shughuli hizo, kwa mwaka huingiza Sh800 milioni.
Kampuni zake kwa sasa zinafanya biashara mbalimbail katika nchi za Tanzania, Uganda, Malawi, Rwanda na Msumbiji na ameajiri zaidi ya wafanyakazi 2,000.
Gulam Dewji
Mfanyabiashara huyo ana utajiri unaokadiriwa kufikia Dola 560 milioni kutokana na kuzalisha bidhaa na kutoa huduma mbalimbali.
Ni mmoja wa mataikuni wa Tanzania tangu miaka ya 1970 na kazi yake kubwa ilikuwa kuingiza bidhaa mbalimbali kutoka nje.
Alianza na kampuni ndogo aliyoiita Mohammed Enterprises Tanzania, ambayo kwa sasa ni kati ya kampuni kubwa Afrika Mashariki na Kati.
Miongoni mwa mali zake ni Kiwanda cha 21st Century Textiles, moja ya viwanda vikubwa vya nguo Kusini mwa Jangwa la Sahara. Kampuni yake ina viwanda vinne, Tanzania na Msumbiji huku ikizalisha Dola 100 milioni kwa mwaka. Pia kampuni hiyo husindika juisi kwa matunda ya Tanzania, mafuta ya kula, sabuni na tishu.
Kampuni hiyo pia inamiliki kampuni ya bima, makontena, kampuni za kuuza mafuta ya petroli na maduka ya kuuza bidhaa mbalimbali zaidi ya 100 Tanzania nzima.
Hata hivyo, Gulam alisema jana kwamba takwimu zilizotolewa zimekosewa. Alisema kwa sasa yuko nje ya Dar es Salaam na atatoa taarifa sahihi atakaporejea.
“Kuna baadhi ya tarakimu zimekosewa niko Morogoro kuangalia biashara zangu nikirudi Dar es Salaam nitazungumza,” alisema Dewji.
Rostam Aziz
Ameelezwa kuwa utajiri wake umetokana na kuendesha shughuli zake mbalimbali ikiwamo kampuni za mawasiliano ya simu, madini na biashara za usafiri wa meli.
Mwanasiasa huyo mwenye asili ya Asia, alichaguliwa kwa mara ya kwanza kuwa Mbunge wa Igunga mwaka 1993 na alishinda kwa vipindi viwili.
Aliachana na ulingo wa siasa mwaka 2011. Anamiliki asilimia 19 ya Hisa za Kampuni ya Vodacom ambayo ina wateja zaidi ya milioni nane.
Ameelezwa pia kuwa anamiliki Kampuni ya Ujenzi ya Caspian na sehemu ya Bandari ya Dar es Salaam kwa kushirikiana na Kampuni ya Hutchison Whampoa ya Hong Kong.
Akizungumzia utafiti huo, alisema: “Umefanyika kwa umakini isipokuwa tu kwa upande wangu wanasemas ninamiliki asilimia 19 ya Kampuni ya Vodacom kitu ambacho si sawa kwani ninamiliki asilimia 35.”
Reginald Mengi
Mengi anakimiliki kampuni mbalimbali ikiwemo vyombo vya habari, viwanda vinavyozalisha vinywaji baridi vya Coca-Cola na ana mgodi wa dhahabu.
Mfanyabiashara huyo baada ya kufanya kazi ya uhasibu ambayo ndiyo taaluma yake, alifanya biashara ya kutengeneza kalamu za wino zilizopata soko kubwa Afrika Mashariki.
Leo hii, IPP Group ambayo Mengi ni mwenyekiti wake, inamiliki magazeti mbalimbali ikiwemo Financial Times, ThisDay na The Guardian, televisheni mbili kubwa Afrika Mashariki na Kati EATV na ITV na vituo vya redio. Anamiliki Kampuni za IPP Gold na Handeni Gold.
Ali Mufuruki
Utajiri wake unatokana na biashara mbalimbali za rejareja na za ushirika.
Ni mwanzilishi na Mwenyekiti Mtendaji wa Tanzania Infotech Investment Group.
Kampuni hiyo inajumuisha Watanzania na Waganda kwa ajili ya kuuza bidhaa za Afrika Kusini za Woolworth.
Infotech hufanya kazi ya uendelezaji makazi na ukodishaji, matangazo na shughuli za mawasiliano.
Tuesday, November 20, 2012
Customer is always the King
In Business we have to value Customers needs and wants!!! "Customer is always the King...!
Value the Voice of Your Customers!!
Let your Employees or Partners Satisfy your Customers at their Optimal
Life is About Choices
What do you Prefer most
a. To own a Big Company
b.To work in a Big Company
for a "like" for b drop your "comment"
b.To work in a Big Company
for a "like" for b drop your "comment"
Friday, October 26, 2012
Wezeshwa na Safari Lager 2012 New Season Lauching
Tanzania Breweries Limited through its Safari Brand has once again launched its Wezeshwa na Safari Lager Program. Following the success from last year, Safari Lager has decided to extend its support to many other entrepreneurs this year 2012. Experts from TAPBDS CO.LTD shall be handling all the technical areas of the program up to the acquisition of final grantees. Therefore we are encouraging entrepreneurs from all angles of Tanzania to make use of this valuable opportunity so that they get supported in their business expansion process. For those interested to participate just find some more information via www.wezeshwa.co.tz
Safari Manager Oscar Shelukindo addressing the Press during the official launching of Wezeshwa na Safari Lager phase two.
Joseph Migunda together with the Wezeshwa Team addressing a Press during the launching of Wezeshwa na Safari Lager phase two. From far right is Laurance (Operation Manager at ICL), Oscar Shelukindo (Safari Lager Brand Manager) and Edwin Mengistu (TAPBDS Official).
Get a Free Fax Right on your email
Fax is one of the Most important communication to the Corporate world of 21st century;
The benefits of Free Fax to Email in Tanzania.
Businesses, Companies, Government Departments, Corporations and Individuals receive free Tanzania Fax Numbers from us.
- We link your 0736 fax number to your email address. Your faxes will go directly into your email address as a file attachment.
- When someone fax to your number, your fax gets emailed to you as an image file attachment (in PDF Format) - instantly, free of charge and ready to view.
- There is NO COST involved to use our service (as seen in South Africa for many years). Our service is and remains a FREE service. There are no setup cost, no monthly cost, no contracts, no subscription charges, no installation cost, no maintenance cost, no capital investment required, and you do not need to buy a fax machine or to pay for a fax line rental.
- Our fax to email service is completely secure (encrypted), private and safe, and is powered and licensed by TTCL - your trusted partner in Tanzania. Our Fax Servers are located in the TTCL Head Office in Dar es Salaam from where it is managed and maintained. You can read the letter from TTCL about free fax to email here.
- Your fax number is and remains free of charge. Please ensure to receive at least 1 fax on your number every 3 months, for your number to remain active.
- No software or hardware or technical knowledge is required to use our system - you receive your faxes right into your email. It is an easy to understand service and anyone can use it.
- You can receive any number of faxes on your free number. The service is free no matter how many faxes you receive.
- You can receive more than one fax at the same time from different senders – your fax number is never engaged.
- Multiple faxes are received more quickly.
- You can receive multiple-page documents instantly.
- You can view your faxes wherever you can access your email – anywhere in the world.
- You receive free dedicated and professional Customer and Technical Support from us.
- You can manage your faxes easily on your computer – only print out the ones that you really need, and organise your faxes the way you want to.
- You will save on paper and printer ink cost as you only need to print out the faxes that you really need.
- Make life easier in your Company or Corporation by getting a different fax number for each Department. This will eliminate queues at the fax machine and avoid losing important documents at the fax machine. Faxes will go straight to the correct Person, in the correct Department.
- Save money by using our free fax service: No more fax line rental, fax machine purchase, fax machine maintenance, and unnecessary ink, paper and toner costs as you only print out the faxes that you require a hardcopy of.
- Your 0736 fax number is not restricted by an area code and can be dialed from anywhere in Tanzania. It can also be dialed from other countries in the following format +255736...
- Your fax number operates on existing professional infrastructure in the TTCL Headoffice in Dar es Salaam (tried and tested) at no charge. Confidentiality is guaranteed and you have sole access to the fax documents in your email. The fax transmission is encrypted meaning our service is completely safe and secure to use.
- Our fax to email system assures everyone of privacy, as faxes are delivered directly to the correct person's email.
- You can keep your fax number for life – just receive at least 1 fax on your fax number every 3 months for your free fax number to remain active.
- You will have a separate fax number for your Business or Company than your standard phone number. This will give your Company a more professional image.
- If your email address changes, you can keep the same fax number. Just contact us and we will change the email address for you - this is truly a free fax number for life.
www.faxtanzania.com/faxnumberbenefits.html
Thursday, September 6, 2012
8 Common Legal Mistakes That Startups Make
When you decide to start up a
company it can be very exciting yet exhausting at the same time. You are filled with joy but at the same time you can’t wait to get everything started and
going as well. Throughout the process there are some things that you may
accidentally forget or even do by mistake. Some of the most common mistakes
startups make are often the ones that they end up regretting down the line.
1)
Failing To Incorporate
Some startups need to incorporate.
Not choosing the right corporate structure, or failing to choose one at all, could
put the company’s officers at risk. This is especially important if the startup
is going to be doing business in a high-risk industry like the medical
industry.
2)
Incorporating Too Early
Some companies don’t need a
corporate structure when they are first beginning. However, being new to the
business world it is easy for one to think that they do and the consequences of
incorporating to early are usually very severe.
3)
Failing To Copyright Material
A company that publishes information
of any kind should copyright everything it produces. Copyright protection
ensures that no other individual or business may use the material in any form
without the expressed written consent of the business. However, when first
entering the business world many business owners have copyright out of their
minds. They never think that it is something that they need yet as time goes on
it is something that they wish they would have invested a little bit of time
into.
4)
Failing To Use Trademarks
When a business creates a unique
logo or slogan, it’s a good idea to trademark it. This is especially true if
the company plans on growing in size. The time to file a trademark is before
any legal battles begin, not after they’ve started.
5)
Failing To Use Patents
When a company invents something,
it’s a good idea to patent it. It’s not always obvious, but that invention may
later lead to other inventions that depend on the first invention. If no
patents are filed on the first invention, then there’s no protection for the
company. Anyone could run off and say it is there invention and then all of
your hard work has basically been thrown down the drain.
6)
Advertising To Investors
Startups are generally prohibited
from soliciting investors. The SEC prohibits solicitation to investors unless
there is a “substantial and pre-existing relationship” between the company and
the prospective investor. While it’s tempting to advertise for startup capital
to make business operations run more smoothly, this is not the way to go about
it.
7)
Forming a 50-50 Partnership
Partnerships sometimes seem like a
good idea at first. However, a 50-50 partnership can make it harder to conduct
business in the long run. If the partners cannot agree on the direction of the
business, or they end up not seeing eye to eye on an issue, it can prevent the
business from functioning. Because each partner owns half of the business,
nothing can be accomplished.
8.
Not Using Contracts For Business
It’s understandable that a startup
would conduct business using “handshakes.” However, this is a bad habit.
Contracts clarify what services and products will be provided to customers.
They also make it clear what each officer in the company, and every employee,
is and isn’t responsible for. Not to mention the fact that if for some reason
your partner wants to file a lawsuit against you for something that was clearly
stated in the beginning a contract is the only thing that is going to help you
win your case.
Overall, these are the eight major
mistakes that businesses make in the beginning but there are others. These
eight are mentioned because they usually carry the most serious consequences.
Just be sure that when you are getting ready to become a business owner you
double check everything and know the laws. The process may not go as fast as
you expected but in the end it is always better to be safe than to be sorry.
I have written this purposely to provide friendly explanations of
major areas of law and also help friends who are small business owners to understand business
law.
"welcome for more clarification"
By Mengi @2012
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