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DTSTART;TZID=America/Los_Angeles:20240529T140000
DTEND;TZID=America/Los_Angeles:20240529T150000
DTSTAMP:20260403T162722
CREATED:20240424T215933Z
LAST-MODIFIED:20240424T215933Z
UID:10000653-1716991200-1716994800@nevadasbdc.org
SUMMARY:Bankable for the Small Business with Greater Nevada Credit Union
DESCRIPTION:Are you ready to discuss how to be a better bankable business? It’s not just about having enough profits\, assets\, and liquidity for qualification\, what about your credit? We’ll be covering some best practices to improve your bankability\, personal credit vs business credit\, and more training opportunities ahead! Join us to be the best version of your business when heading to the bank asking for funds. \nPresenters: \nKristin Stowe is the Commercial Services Manager at Greater Nevada Credit Union. With seventeen years in the financial industry\, she is also an Accredited Cannabis Banking Professional who has guided GNCU’s cannabis banking efforts. \nChris Holland is a Commercial Business Development Specialist and Certified Credit Union Financial Counselor (CCUFC) at Greater Nevada Credit Union. Most recently\, he managed the business relationships for their Carson City partners including Carson Tahoe Health; Western Nevada College\, and the State of Nevada. \n \nThe Nevada SBDC is funded in part through a Cooperative Agreement with the U.S. Small Business Administration.
URL:https://nevadasbdc.org/event/bankable-for-the-small-business-with-greater-nevada-credit-union/
LOCATION:ONLINE\, STATEWIDE\, NV\, United States
CATEGORIES:Accounting/Finance,Webinar
ORGANIZER;CN="Nevada SBDC":MAILTO:training@nevadasbdc.org
GEO:38.8026097;-116.419389
END:VEVENT
BEGIN:VEVENT
DTSTART;TZID=America/Los_Angeles:20240619T190000
DTEND;TZID=America/Los_Angeles:20240619T203000
DTSTAMP:20260403T162722
CREATED:20240524T002815Z
LAST-MODIFIED:20240524T002815Z
UID:10000663-1718823600-1718829000@nevadasbdc.org
SUMMARY:Financial Planning for Small Business
DESCRIPTION:This training event is hosted by Northern Nevada SCORE. \nFrom business plans to operations\, financial planning is key to operating your business and understanding if you are making money. Join us for this two hour session and learn the basics from your business plan to basic financial reporting.\nTopics Include…\nData Collection\nRevenue Forecasting\nExpense Forecasting\nBasic accounting set-up and working with your accountant\nCash Flow\nFinancial Reports\nFollowing the workshop participants will be provided with a pdf of the slide deck and an excel file with templates for your use. \n \nThe Nevada SBDC is funded in part through a Cooperative Agreement with the U.S Small Business Administration.
URL:https://nevadasbdc.org/event/financial-planning-for-small-business-5/
LOCATION:ONLINE\, STATEWIDE\, NV\, United States
CATEGORIES:Accounting/Finance,Webinar
ORGANIZER;CN="SCORE Northern NV":MAILTO:scorennv@gmail.com
GEO:38.8026097;-116.419389
END:VEVENT
BEGIN:VEVENT
DTSTART;TZID=America/Los_Angeles:20250107T180000
DTEND;TZID=America/Los_Angeles:20250107T193000
DTSTAMP:20260403T162722
CREATED:20241204T205952Z
LAST-MODIFIED:20241212T173640Z
UID:10000713-1736272800-1736278200@nevadasbdc.org
SUMMARY:Nevada SBDC & IRS Small Business Tax Compliance Workshop Series
DESCRIPTION:Ready to take your business to the next level? Join us for an engaging session packed with valuable insights on the critical legal and financial steps for starting and growing your business. Learn how to obtain an EIN\, maintain accurate records\, choose the best bookkeeping system\, and select the ideal business structure. \nWe’ll explore powerful tax-saving strategies\, including Schedule C deductions\, home office expenses\, and tax compliance tips. Plus\, discover the essentials of the Beneficial Ownership Information Report (BOIR) and how it impacts your business. Gain essential knowledge on federal employment tax rules\, classifying workers\, payroll management\, and the tax considerations when hiring both resident and nonresident aliens. Don’t miss this chance to set your business up for success—register today! \n\n\n\nSession #1\n1/7/2025\n6:00 PM\n– 7:30 PM (PST)\n\n\n\nSession #2\n1/14/2025\n6:00 PM\n– 7:30 PM (PST)\n\n\n\nSession #3\n1/20/2025\n6:00 PM\n– 7:30 PM (PST)\n\n\n\nSession #4\n1/28/2025\n6:00 PM\n– 7:30 PM (PST)\n\n\n\nSession #5\n2/4/2025\n6:00 PM\n– 7:30 PM (PST)\n\n\n\nSession #6\n2/11/2025\n6:00 PM\n– 7:30 PM (PST)\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\nLesson 1: Federal Taxes and Your New Business \nLesson 2: Schedule C and Other Small Business Taxes \nLesson 3: Filing and Paying Taxes Electronically \nLesson 4: Business Use of Your Home \nLesson 5: Federal Taxes When Hiring Employees or Independent Contractors \nLesson 6: Managing Payroll to Withhold the Correct Amount of Taxes \nLesson 7: Tax Deposits and Filing a Return to Report Payroll Taxes \nLesson 8: Hiring People Who Live in the U.S. Who Aren’t Citizens \n \nFunded (in part) through a Cooperative Agreement with the U.S. Small Business Administration. All opinions\, conclusions\, and/or recommendations expressed herein are those of the author(s) and do not necessarily reflect the views of the SBA.
URL:https://nevadasbdc.org/event/nevada-sbdc-irs-small-business-tax-compliance-workshop-series/
LOCATION:8400 W. Sunset Rd #300\, 8400 W Sunset Rd #300\, Las Vegas\, NV\, 89113\, United States
CATEGORIES:Accounting/Finance
ORGANIZER;CN="Nevada SBDC":MAILTO:training@nevadasbdc.org
GEO:36.0712818;-115.2754368
X-APPLE-STRUCTURED-LOCATION;VALUE=URI;X-ADDRESS=8400 W. Sunset Rd #300 8400 W Sunset Rd #300 Las Vegas NV 89113 United States;X-APPLE-RADIUS=500;X-TITLE=8400 W Sunset Rd #300:geo:-115.2754368,36.0712818
END:VEVENT
BEGIN:VEVENT
DTSTART;TZID=America/Los_Angeles:20250221T093000
DTEND;TZID=America/Los_Angeles:20250221T110000
DTSTAMP:20260403T162722
CREATED:20250113T193134Z
LAST-MODIFIED:20250113T193134Z
UID:10000717-1740130200-1740135600@nevadasbdc.org
SUMMARY:Quickbooks Online en Español 1.0
DESCRIPTION:¿Eres parte del más del 80% de propietarios de pequeñas y medianas empresas que utilizan QuickBooks\, pero sientes que no estás aprovechando todo su potencial? QuickBooks Online es diferente de la versión Desktop y tiene muchas funciones que operan de manera distinta. Con solo unos minutos\, puedes comenzar a personalizarlo para satisfacer las necesidades específicas de tu negocio. \n¡Únete a nuestra serie de 6 sesiones de QuickBooks Online y domina esta herramienta para gestionar tu empresa con mayor eficiencia! \nDetalles del Taller\n\nInicio: Viernes\, 21 de febrero\nHorario: 9:30 a.m. – 11:30 a.m.\nFrecuencia: Una vez a la semana\, todos los Viernes\, por 6 semanas\nLugar: Alexander Library (1755 W Alexander Rd\, North Las Vegas\, NV 89032)\nFormato: Taller práctico con expertos invitados a lo largo del taller\n\nTemas Semanales \n\nSemana 1: Introducción – Cómo empezar con QuickBooks Online.\nSemana 2: Contabilidad básica – Bookkeeping.\nSemana 3: Principios de contabilidad esenciales.\nSemana 4: Funciones que ahorran tiempo y aumentan la productividad.\nSemana 5: Cómo rastrear ventas y gastos para cumplir con las necesidades de tu negocio.\nSemana 6: La facilidad y seguridad de realizar copias de seguridad de los datos.\n\nThis project is being supported\, in whole or in part\, by federal award number SSBCI-21031-0011 awarded to Nevada SBDC by the U.S. Department of the Treasury. \nCarmen Mendez \nCarmen is an experienced professional with over two decades of experience in management and business development across various industries. Notably\, she has held key roles within prestigious Fortune 500 corporations\, including H&R Block Inc. At H&R Block\, Carmen has honed her expertise in the financial and tax services industry. Her skills in strategic management\, business development\, and operational leadership have been essential in navigating the complexities of the financial and tax landscape. Carmen’s contributions have played a crucial role in enhancing H&R Block’s success in a fiercely competitive market. During her tenure\, Carmen has actively participated in the development and implementation of strategic initiatives to elevate the company’s market position and foster sustainable growth. This includes optimizing tax preparation services\, exploring new business opportunities\, and ensuring strict compliance with regulatory requirements. Carmen’s track record reflects her ability to achieve results and significantly contribute to H&R Block’s position as a leader in the tax and accounting field. \nJeny Zendejas \nJeny Zendejas is a business development advisor at the North Las Vegas office\, where she plays a crucial role in the Nevada Small Business Development Center (SBDC). Throughout her professional journey\, Jeny has gained a diverse range of experiences across the health sector\, education\, and business administration. Her academic background includes a bachelor’s degree in Health Management and a master’s degree in Public Administration\, with a specialized focus on government agencies. Jeny’s unwavering commitment to the community is deeply rooted in her status as a first-generation college graduate and a dedicated dreamer focused on supporting and positively impacting her community. Her current approach involves actively enhancing the efficiency and effectiveness of the program and providing business advisory services by leveraging her extensive knowledge and experience. \n\n\n\nSession #1\n2/21/2025\n9:30 AM\n– 11:30 AM (PST)\n\n\n\nSession #2\n2/28/2025\n9:30 AM\n– 11:30 AM (PST)\n\n\n\nSession #3\n3/7/2025\n9:30 AM\n– 11:30 AM (PST)\n\n\n\nSession #4\n3/14/2025\n9:30 AM\n– 11:30 AM (PDT)\n\n\n\nSession #5\n3/21/2025\n9:30 AM\n– 11:30 AM (PDT)\n\n\n\nSession #6\n3/28/2025\n9:30 AM\n– 11:30 AM (PDT)
URL:https://nevadasbdc.org/event/quickbooks-online-en-espanol-1-0/
LOCATION:Alexander Library\, 1755 W. Alexander Rd\, North Las Vegas\, 89032\, United States
CATEGORIES:Accounting/Finance
ORGANIZER;CN="Nevada SBDC":MAILTO:training@nevadasbdc.org
GEO:36.2314718;-115.164847
X-APPLE-STRUCTURED-LOCATION;VALUE=URI;X-ADDRESS=Alexander Library 1755 W. Alexander Rd North Las Vegas 89032 United States;X-APPLE-RADIUS=500;X-TITLE=1755 W. Alexander Rd:geo:-115.164847,36.2314718
END:VEVENT
BEGIN:VEVENT
DTSTART;TZID=America/Los_Angeles:20250313T090000
DTEND;TZID=America/Los_Angeles:20250313T100000
DTSTAMP:20260403T162722
CREATED:20250214T200750Z
LAST-MODIFIED:20250214T203756Z
UID:10000723-1741856400-1741860000@nevadasbdc.org
SUMMARY:Debt-Free to Business-Savvy: Managing Debt While Starting Your Small Business
DESCRIPTION:In this webinar\, we’ll dive into effective strategies for managing and paying off debt while balancing the demands of starting and growing your small business. Learn actionable tips on budgeting\, prioritizing debt repayment\, and maintaining healthy cash flow to ensure both personal and business financial success. \nConrad Chow is the Program Manager of Nevada Money Mentors\, the financial wellness program at the University of Nevada\, Reno. With a passion for helping students gain financial literacy\, Conrad oversees the program’s operations and leads initiatives that promote financial well-being across campus. His expertise includes budgeting\, managing debt\, and helping students make informed financial decisions. Conrad is also the chair of the Asian Pacific Islander Affinity Group for faculty and staff at UNR. \n  \nThis training event is hosted by the Nevada SBDC for the State Small Business Credit Initiative. Upon registration\, you will receive an email requesting your signature on an additional privacy agreement. Please sign this agreement prior to your event date to avoid any disruption in registration.
URL:https://nevadasbdc.org/event/debt-free-to-business-savvy-managing-debt-while-starting-your-small-business/
LOCATION:ONLINE\, STATEWIDE\, NV\, United States
CATEGORIES:Accounting/Finance,Funding
ORGANIZER;CN="Kaitlyn Schwantes":MAILTO:kschwantes@unr.edu
GEO:38.8026097;-116.419389
END:VEVENT
BEGIN:VEVENT
DTSTART;TZID=America/Los_Angeles:20250417T100000
DTEND;TZID=America/Los_Angeles:20250417T110000
DTSTAMP:20260403T162722
CREATED:20250402T194114Z
LAST-MODIFIED:20250402T194114Z
UID:10000732-1744884000-1744887600@nevadasbdc.org
SUMMARY:How to Tell Your Story to Any Lender or Investor
DESCRIPTION:If you are thinking about or are in the process of taking out a loan for your business\, considering or actively seeking investors to help grow\, scale\, and sustain your business\, tried to secure loans\, financing\, and funding in the past without success\, want to learn how your story can help you access capital . . . then this webinar is for you! \nDuring this webinar\, instructors Brandy M. Miller\, Co-Founder of Path To Connections and award-winning copywriter and content creator\, and Joylynn M. Ross\, national bestselling author\, Business Subject Matter Expert\, and CEO of Path To Publishing\, will introduce you to their universal Storytelling Framework in a fun\, engaging\, and entertaining method that will teach you: \nHOW to tell your story to get lenders and investors leaning in\, eager to listen \nMISTAKES business owners make in sharing their story that keep lenders and investors from saying “YES!” to them \nWHAT lenders and investors need from your story to be able to say “YES!” to you \nWHY the lenders and investors NEED those things to be able to say “YES!” \nHOW to relay your financial health through storytelling \nEven more important than what you’re asking for is how you ask for it. Storytelling Experts Joylynn and Brandy will teach you how to use your story to increase your chances of securing your next loan or investment. Register for this webinar today. \nBONUS – These speakers were just announced SBA Microenterprise Small Business of the Year! Come learn from award winning storytellers!
URL:https://nevadasbdc.org/event/how-to-tell-your-story-to-any-lender-or-investor/
LOCATION:ONLINE\, STATEWIDE\, NV\, United States
CATEGORIES:Accounting/Finance,Funding,Webinar
ORGANIZER;CN="Nevada SBDC":MAILTO:training@nevadasbdc.org
GEO:38.8026097;-116.419389
END:VEVENT
BEGIN:VEVENT
DTSTART;TZID=America/Los_Angeles:20250514T130000
DTEND;TZID=America/Los_Angeles:20250514T143000
DTSTAMP:20260403T162722
CREATED:20250422T210408Z
LAST-MODIFIED:20250422T210408Z
UID:10000735-1747227600-1747233000@nevadasbdc.org
SUMMARY:Credit 101: Building Strong Credit for Personal and Business Success
DESCRIPTION:Understanding credit is essential for both personal financial health and business growth. Join us for Credit 101\, an interactive panel event designed to demystify credit\, empower you with practical strategies\, and answer your most pressing questions. \nOur expert panelists will walk you through: \n\n       The foundations of credit\, including the 5 Cs of credit and updates to the credit scoring system\n       Personal credit: how to build it\, repair it\, and leverage it for business success\n       Business credit: why it matters\, how it works\, and how to establish and maintain it\n       The interconnectedness of personal and business credit\n       Real-world insights on common credit challenges\, rejections\, success stories\, and strategies for making credit work for you\n\nModerator: Kelli Kelly \nPanelists: Cydney Reid\, Dereck Barrett\, Josh Dunlap \nLocation: UNR Innevation Center – Concept Café \nRefreshments Provided: Coffee\, tea\, and water \nWhether you’re an entrepreneur\, aspiring business owner\, or simply want to better understand your financial tools\, this session will equip you with the knowledge to take control of your credit future. \n**Your information will be shared with the University of Nevada\, Reno Innevation Center and U.S. Bank for this event.**
URL:https://nevadasbdc.org/event/credit-101-building-strong-credit-for-personal-and-business-success/
LOCATION:Innevation Center\, 450 Sinclair Street\, Reno\, NV\, 89501\, United States
CATEGORIES:Accounting/Finance,Funding
ORGANIZER;CN="Nevada SBDC":MAILTO:training@nevadasbdc.org
GEO:39.5220337;-119.8080639
X-APPLE-STRUCTURED-LOCATION;VALUE=URI;X-ADDRESS=Innevation Center 450 Sinclair Street Reno NV 89501 United States;X-APPLE-RADIUS=500;X-TITLE=450 Sinclair Street:geo:-119.8080639,39.5220337
END:VEVENT
BEGIN:VEVENT
DTSTART;TZID=America/Los_Angeles:20250702T080000
DTEND;TZID=America/Los_Angeles:20250702T160000
DTSTAMP:20260403T162722
CREATED:20250529T161628Z
LAST-MODIFIED:20250610T202618Z
UID:10000742-1751443200-1751472000@nevadasbdc.org
SUMMARY:Sprint to Scale 2-Day Workshop
DESCRIPTION:  \n \nEmbark on a transformative 2-Day journey with us to bring your business aspirations to life! Dive deep into the intricacies of business planning\, set ambitious goals\, and lay the foundation for your success through our dynamic and thought-provoking workbook and cohort style learning. Whether you’re starting a new venture or aiming to reach new heights\, this program is your gateway to strategic growth and achievement. Don’t miss the chance to supercharge your entrepreneurial journey – enroll now and pave the way to your business dreams! \nKelli Kelly once sailed away on a tallship\, cooked on dive boats in the Bahamas\, worked her way up through corporate coffee\, and ultimately earned an Associate’s in the Culinary Arts and a Bachelor’s in Organization and Project Management. After moving to Fallon\, Nevada\, Kelli found her calling in local and regional food systems while working at a farm-to-table restaurant. She was inspired to work with local farmers\, ranchers\, and value-added producers to promote sustainable agriculture and advocate for eating seasonally and within the foodshed. Kelli serves as the Agriculture and Food Systems Business Advisor for the Nevada Small Business Development Center housed at the Churchill Entrepreneur Development Association and is pursuing a Master’s Degree in Urban Leadership at the University of Nevada\, Las Vegas.  Kelli is an avid reader\, a policy wonk\, a slurper of dumplings\, and a proud “person of the bean”\n\n\n2024 Nevada Small Business Development Center State Star\nPresident/Vice President/Secretary\, Emerge NV\nMember\, Governor’s Council for Food Security\n2019-2020 Chair\, Nevada Farms Conference\nMember\, NevadaGrown Board of Directors\nMember\, Western Nevada College–Specialty Crop Institute Advisory Committee\nMember\, Northern Nevada Food Security Coalition\nMember\, Churchill County School District Career & Technical Education Advisory Committee\nMember\, Fallon Youth Club Board of Directors
URL:https://nevadasbdc.org/event/sprint-to-scale-2-day-workshop/
LOCATION:565 Rio Vista Dr.\, 565 Rio Vista Dr.\, Fallon\, 89406\, United States
CATEGORIES:Accounting/Finance,Business Planning,Digital Marketing,Marketing/Sales,Operations,Resource Information,Social Media,Starting a Business
ORGANIZER;CN="Nevada SBDC":MAILTO:training@nevadasbdc.org
GEO:39.4820165;-118.756873
X-APPLE-STRUCTURED-LOCATION;VALUE=URI;X-ADDRESS=565 Rio Vista Dr. 565 Rio Vista Dr. Fallon 89406 United States;X-APPLE-RADIUS=500;X-TITLE=565 Rio Vista Dr.:geo:-118.756873,39.4820165
END:VEVENT
BEGIN:VEVENT
DTSTART;TZID=America/Los_Angeles:20250731T120000
DTEND;TZID=America/Los_Angeles:20250731T130000
DTSTAMP:20260403T162722
CREATED:20250624T181016Z
LAST-MODIFIED:20250715T173341Z
UID:10000745-1753963200-1753966800@nevadasbdc.org
SUMMARY:Mastering Cash Flow for Small Business Success
DESCRIPTION:This class focuses on teaching small business owners how to effectively manage and forecast cash flow in practical ways. You’ll learn how to track income and expenses\, plan for seasonality\, and make informed decisions using simple tools and strategies. An ideal class for entrepreneurs who want to take control of their finances and build a resilient future. \n\nTaught by Lori Hauck\, a Certified Public Accountant licensed in three states. She has over 15 years of experience teaching finance and accounting classes to college students and business professionals. She is an entrepreneur and international speaker on behavioral finance topics. She possesses a talent explaining financial topics to clients\, students\, and entrepreneurs in ways they can easily understand.\n\nThis is part of our State Small Business Credit Initiative (SSBCI) program powered by the Governor’s Office of Economic Development (GOED) and funded by the U.S. Department of Treasury.
URL:https://nevadasbdc.org/event/mastering-cash-flow-for-small-business-success/
LOCATION:ONLINE\, STATEWIDE\, NV\, United States
CATEGORIES:Accounting/Finance,Webinar
ORGANIZER;CN="Kaitlyn Schwantes":MAILTO:kschwantes@unr.edu
GEO:38.8026097;-116.419389
END:VEVENT
BEGIN:VEVENT
DTSTART;TZID=America/Los_Angeles:20250814T100000
DTEND;TZID=America/Los_Angeles:20250814T110000
DTSTAMP:20260403T162722
CREATED:20250730T204815Z
LAST-MODIFIED:20250807T212521Z
UID:10000766-1755165600-1755169200@nevadasbdc.org
SUMMARY:Digging Out of the Debt Hole: Money Makeover for Entrepreneurs
DESCRIPTION:Are you tired of feeling buried by debt with no way out? This webinar is your fresh start. \nJoin us as we explore how your mindset can be the secret weapon in your financial comeback. You’ll learn practical strategies to conquer debt\, tips to rebuild confidence around money\, and habits that create lasting change. Whether you’re a business owner or managing personal finances\, this session offers real-world solutions to help you go from red to black. \n\n Walk away with your own personalized “Money Makeover Plan”\n Shift your money mindset from fear to control\n Begin your path toward debt freedom and financial peace\n\n\nSpecial Speaker – Monica Coburn of Nevada Business Advisors\n\n\nThis is part of our State Small Business Credit Initiative (SSBCI) program powered by the Governor’s Office of Economic Development (GOED) and funded by the U.S. Department of Treasury.\n 
URL:https://nevadasbdc.org/event/digging-out-of-the-debt-hole-money-makeover-for-entrepreneurs/
LOCATION:ONLINE\, STATEWIDE\, NV\, United States
CATEGORIES:Accounting/Finance,Webinar
ORGANIZER;CN="Kaitlyn Schwantes":MAILTO:kschwantes@unr.edu
GEO:38.8026097;-116.419389
END:VEVENT
BEGIN:VEVENT
DTSTART;TZID=America/Los_Angeles:20250917T100000
DTEND;TZID=America/Los_Angeles:20250917T110000
DTSTAMP:20260403T162722
CREATED:20250828T223837Z
LAST-MODIFIED:20250828T223837Z
UID:10000810-1758103200-1758106800@nevadasbdc.org
SUMMARY:Approved! Cracking the Code to Business Financing from a Banker's Perspective
DESCRIPTION:Join us for this dynamic webinar where we’ll break down exactly what lenders look for—and how to stand out from the crowd. From understanding creditworthiness to crafting a compelling loan package\, you’ll walk away feeling confident\, clear\, and ready to secure the capital you need to grow. \n\nDiscover what lenders really look for in loan applications—from credit profiles to cash flow\nLearn how to shift your mindset and approach financing with confidence and clarity\nUncover common pitfalls that cause loan denials—and how to avoid them like a pro\nGet insider tips on how to present your business in the best light\, from documentation to delivery\nUnderstand the full loan journey: from pre-qualification to approval and beyond\nBuild a loan-ready plan tailored to your business goals and funding needs\nHear real-world examples and lender-approved strategies that work through an interactive lender panel discussion.\n\nLearn to think like a lender and position your business as “fund-ready” \nUncover the top reasons applications get denied—and how to avoid them \nGet expert tips that take you from prepping your paperwork to perfecting your pitch \nWhether you’re applying for a loan for the first time or refining your funding strategy\, this session will arm you with the knowledge and edge to make lenders say “yes.” \n  \n\nSpecial Speaker – Monica Coburn of Nevada Business Advisors\n\n\n\nThis is part of our State Small Business Credit Initiative (SSBCI) program powered by the Governer’s Office of Economic Development (GOED) and funded by the U.S. Department of Treasury.
URL:https://nevadasbdc.org/event/approved-cracking-the-code-to-business-financing-from-a-bankers-perspective/
LOCATION:ONLINE\, STATEWIDE\, NV\, United States
CATEGORIES:Accounting/Finance,Webinar
GEO:38.8026097;-116.419389
END:VEVENT
BEGIN:VEVENT
DTSTART;TZID=America/Los_Angeles:20251008T090000
DTEND;TZID=America/Los_Angeles:20251008T100000
DTSTAMP:20260403T162722
CREATED:20250820T172214Z
LAST-MODIFIED:20250820T172214Z
UID:10000777-1759914000-1759917600@nevadasbdc.org
SUMMARY:Are You Business Loan Ready?
DESCRIPTION:Preparing for a business loan can be time consuming.  If you’re a startup\, protracted startup\, or an existing business owner; I will walk you through the process\, so you are prepared and know what you need.  In addition we’ll discuss different lending options\, including alternative lending and projection based loans. \nPenny Garton Sr. Loan Officer for CDC Small Business Finance Based in California\, lending Nationwide. Penny is a 37-year veteran of commercial lending\, underwriting\, and customer service\, providing financing to small businesses throughout the United States. \nThis is part of our State Small Business Opportunity Program (SBOP) program powered by the Governor’s Office of Economic Development (GOED) and funded by the U.S. Department of Treasury.\n  \n 
URL:https://nevadasbdc.org/event/are-you-business-loan-ready/
LOCATION:ONLINE\, STATEWIDE\, NV\, United States
CATEGORIES:Accounting/Finance,Webinar
ORGANIZER;CN="Kaitlyn Schwantes":MAILTO:kschwantes@unr.edu
GEO:38.8026097;-116.419389
END:VEVENT
BEGIN:VEVENT
DTSTART;TZID=America/Los_Angeles:20251015T090000
DTEND;TZID=America/Los_Angeles:20251015T100000
DTSTAMP:20260403T162722
CREATED:20250820T173812Z
LAST-MODIFIED:20250820T173812Z
UID:10000778-1760518800-1760522400@nevadasbdc.org
SUMMARY:Health Care Industry Lending
DESCRIPTION:Preparing to start or expand your Health Care or Med-Spa business?  Let’s discuss what stage you are at\, licensed or not yet licensed\, and discuss what options are available to you.  I will walk you through the process\, so you are prepared and know what you need.  In addition we’ll discuss different lending options\, including alternative lending and projection based loans. \n  \nPenny Garton Sr. Loan Officer for CDC Small Business Finance Based in California\, lending Nationwide. Penny is a 37-year veteran of commercial lending\, underwriting\, and customer service\, providing financing to small businesses throughout the United States.
URL:https://nevadasbdc.org/event/health-care-industry-lending/
LOCATION:ONLINE\, STATEWIDE\, NV\, United States
CATEGORIES:Accounting/Finance,Webinar
ORGANIZER;CN="Nevada SBDC":MAILTO:training@nevadasbdc.org
GEO:38.8026097;-116.419389
END:VEVENT
BEGIN:VEVENT
DTSTART;TZID=America/Los_Angeles:20251021T100000
DTEND;TZID=America/Los_Angeles:20251021T110000
DTSTAMP:20260403T162722
CREATED:20250924T212855Z
LAST-MODIFIED:20250924T212855Z
UID:10000811-1761040800-1761044400@nevadasbdc.org
SUMMARY:Capital Conversations: What Every Business Should Know
DESCRIPTION:In today’s economy\, access to capital remains one of the most critical—and often misunderstood—elements of small business success. This panel brings together seasoned bankers and lending experts to demystify the financing process and provide actionable insights for entrepreneurs at every stage.\nJoin us for a candid conversation on the realities of securing funding\, from traditional loans and SBA programs to alternative financing options. Panelists will share what lenders look for\, how to prepare a strong application\, and common pitfalls to avoid. \nWhether you’re just starting out or scaling your operations\, this session will equip you with the knowledge and confidence to make informed financial decisions. \nExpect real-world advice\, insider tips\, and a chance to ask your most pressing questions. If you’re serious about growing your business\, this is one conversation you won’t want to miss. \nIn collaboration with special speaker\, Monica Coburn of Nevada Business Advisors. This is part of our State Small Business Credit Initiative (SSBCI) program powered by the Governor’s Office of Economic Development (GOED) and funded by the U.S. Department of Treasury.
URL:https://nevadasbdc.org/event/capital-conversations-what-every-business-should-know/
LOCATION:ONLINE\, STATEWIDE\, NV\, United States
CATEGORIES:Accounting/Finance,Webinar
ORGANIZER;CN="Nevada SBDC":MAILTO:training@nevadasbdc.org
GEO:38.8026097;-116.419389
END:VEVENT
BEGIN:VEVENT
DTSTART;TZID=America/Los_Angeles:20251030T120000
DTEND;TZID=America/Los_Angeles:20251030T130000
DTSTAMP:20260403T162722
CREATED:20250818T203802Z
LAST-MODIFIED:20250818T231233Z
UID:10000775-1761825600-1761829200@nevadasbdc.org
SUMMARY:Understanding Nevada's New 401K Mandate
DESCRIPTION:Attention small business owners: Nevada’s new 401K mandate requiring employers to offer a retirement savings program has officially gone into effect\, and the deadline to comply has now passed. If you haven’t yet implemented a solution\, it’s not too late to get on track! Join us for a one-hour webinar on the Nevada Employee Savings Trust (NEST) program\, a state-facilitated retirement option designed to help small businesses meet the requirements without the complexity of setting up a traditional 401k. We’ll cover how NEST works\, what your responsibilities are as an employer\, and how to enroll quickly and easily. This is a great opportunity to ensure compliance and support your employees’ financial well-being. \nZach Conine currently serves as Nevada’s 23rd State Treasurer. Elected on November 6th\, 2018\, Zach knows that responsible financial management is the key to ensuring long-term growth for the State. As Treasurer\, Zach leads a team of more than 45 professionals that are responsible for investing the State’s and many local governments’ money\, financing community assets and facilities\, processing payments for public agencies and collecting and returning unclaimed property. Additionally\, Zach is responsible for Nevada College Savings Plans and administration of numerous scholarship programs and other services that help Nevadans plan\, save\, and pay for post-secondary education. \nIn addition to the daily management of the State Treasurer’s Office\, Zach serves as a member of the State Board of Finance and the Executive Branch Audit Committee. Zach serves as Chair of the Board of Trustees of the College Savings Plans of Nevada\, the Nevada Employee Savings Trust and the Nevada State Infrastructure Bank. \nPrior to serving as State Treasurer\, Zach built a successful business career in the gaming\, finance\, and consulting sectors. Over the course of his career\, Zach has been committed to creating economic opportunities for local businesses and working families. As co-founder of a consulting business\, he has helped dozens of small and medium sized businesses expand\, increase efficiencies\, and decrease expenses. In doing so\, he assisted in the creation and preservation of more than 3\,000 jobs in Nevada.
URL:https://nevadasbdc.org/event/understanding-nevadas-new-401k-mandate/
LOCATION:ONLINE\, STATEWIDE\, NV\, United States
CATEGORIES:Accounting/Finance,Webinar
ORGANIZER;CN="Nevada SBDC":MAILTO:training@nevadasbdc.org
GEO:38.8026097;-116.419389
END:VEVENT
BEGIN:VEVENT
DTSTART;TZID=America/Los_Angeles:20251112T120000
DTEND;TZID=America/Los_Angeles:20251112T130000
DTSTAMP:20260403T162722
CREATED:20251029T180516Z
LAST-MODIFIED:20251029T180851Z
UID:10000819-1762948800-1762952400@nevadasbdc.org
SUMMARY:Understanding Cash Flow
DESCRIPTION:Understanding how money moves in and out of your business is essential to keeping it healthy. In this session\, participants will learn the difference between cash inflow and cash outflow and why tracking both matters. We’ll explore how profit on paper doesn’t always translate to money in the bank—and what that means for day-to-day operations. Through practical examples\, you’ll discover how to anticipate and manage the timing of your income and expenses. By learning how to manage your cash effectively\, you’ll gain the flexibility to handle slow seasons and unexpected costs with confidence. \n\nLearning the difference between cash inflow and cash outflow\nProfit does not always mean you’ll have money in the bank\nManaging your cash will offer flexibility to weather slow times and bills that may hit at different times.\n\nDereck Barrett is a business advisor and entrepreneur with over 20 years of experience in business planning\, financing\, and growth strategy. \nAfter graduating from the University of Nevada\, Reno\, he began his career in banking sales\, earning national recognition as a top performer. \nIn 2004\, he co-founded and financed his first physical therapy clinic in Southern California. Later he and his wife returned to Reno\, purchased a commercial building and started another physical therapy clinic. Dereck expanded the practice to multiple clinics locations and was the market leader before selling his majority interest. \nWhile expanding the practice\, Dereck became a commercial real estate broker and has worked in that capacity for the last 7yrs. \nHe attributes his life’s professional success to entrepreneurship and sincerely loves helping guide entrepreneurs through the challenges of launching\, financing\, and scaling their companies.
URL:https://nevadasbdc.org/event/understanding-cash-flow/
LOCATION:ONLINE\, STATEWIDE\, NV\, United States
CATEGORIES:Accounting/Finance,Funding,Webinar
ORGANIZER;CN="Nevada SBDC":MAILTO:training@nevadasbdc.org
GEO:38.8026097;-116.419389
END:VEVENT
BEGIN:VEVENT
DTSTART;TZID=America/Los_Angeles:20251120T120000
DTEND;TZID=America/Los_Angeles:20251120T130000
DTSTAMP:20260403T162722
CREATED:20251029T175959Z
LAST-MODIFIED:20251029T180954Z
UID:10000818-1763640000-1763643600@nevadasbdc.org
SUMMARY:Mastering Your Startup Finances
DESCRIPTION:Financial success starts with understanding the key numbers that drive your business. In this training\, you’ll learn the difference between revenue\, profit\, and cash flow—and why each tells a unique story about your business’s health. We’ll walk through simple ways to budget and track your costs\, including a practical Excel template you can use right away. You’ll also uncover some of the most common financial pitfalls that trip up small business owners and how to steer clear of them. By building stronger financial habits\, you’ll gain the clarity and confidence to make smarter business decisions. This session is ideal for entrepreneurs who want to take control of their finances and plan for long-term growth. \n\nLearn the difference between revenue\, profit and cash flow\nSimple ways to budget and track your costs (where we could provide a simple excel sheet)\nCommon financial pitfalls and how to avoid them\n\nDereck Barrett is a business advisor and entrepreneur with over 20 years of experience in business planning\, financing\, and growth strategy. \nAfter graduating from the University of Nevada\, Reno\, he began his career in banking sales\, earning national recognition as a top performer. \nIn 2004\, he co-founded and financed his first physical therapy clinic in Southern California. Later he and his wife returned to Reno\, purchased a commercial building and started another physical therapy clinic. Dereck expanded the practice to multiple clinics locations and was the market leader before selling his majority interest. \nWhile expanding the practice\, Dereck became a commercial real estate broker and has worked in that capacity for the last 7yrs. \nHe attributes his life’s professional success to entrepreneurship and sincerely loves helping guide entrepreneurs through the challenges of launching\, financing\, and scaling their companies. \n 
URL:https://nevadasbdc.org/event/mastering-your-startup-finances/
LOCATION:ONLINE\, STATEWIDE\, NV\, United States
CATEGORIES:Accounting/Finance,Funding,Starting a Business,Webinar
ORGANIZER;CN="Nevada SBDC":MAILTO:training@nevadasbdc.org
GEO:38.8026097;-116.419389
END:VEVENT
BEGIN:VEVENT
DTSTART;TZID=America/Los_Angeles:20251217T110000
DTEND;TZID=America/Los_Angeles:20251217T120000
DTSTAMP:20260403T162722
CREATED:20251204T231210Z
LAST-MODIFIED:20251204T231210Z
UID:10000824-1765969200-1765972800@nevadasbdc.org
SUMMARY:Closing Your Books with Confidence
DESCRIPTION:The year is winding down and so are your chances to get your books in order before tax time. Join us for a live training designed specifically for small business owners who want to approach their year-end review with clarity. Whether you’re preparing to meet with your accountant\, file taxes\, or simply want to know your business numbers inside and out\, this session will give you the tools and confidence to finish the year strong.\n\nTaught by Lori Hauck\, a Certified Public Accountant licensed in three states. She has over 15 years of experience teaching finance and accounting classes to college students and business professionals. She is an entrepreneur and international speaker on behavioral finance topics. She possesses a talent explaining financial topics to clients\, students\, and entrepreneurs in ways they can easily understand.\n\nThis is part of our State Small Business Credit Initiative (SSBCI) program powered by the Governor’s Office of Economic Development (GOED) and funded by the U.S. Department of Treasury.
URL:https://nevadasbdc.org/event/closing-your-books-with-confidence/
LOCATION:ONLINE\, STATEWIDE\, NV\, United States
CATEGORIES:Accounting/Finance,Webinar
ORGANIZER;CN="Nevada SBDC":MAILTO:training@nevadasbdc.org
GEO:38.8026097;-116.419389
END:VEVENT
BEGIN:VEVENT
DTSTART;TZID=America/Los_Angeles:20260206T170000
DTEND;TZID=America/Los_Angeles:20260206T190000
DTSTAMP:20260403T162722
CREATED:20260128T005641Z
LAST-MODIFIED:20260128T005641Z
UID:10000839-1770397200-1770404400@nevadasbdc.org
SUMMARY:Tax Compliance Workshop Series
DESCRIPTION:Session #1\n2026-02-06\n5:30 PM\n– 7:00 PM (PST)\n\n\n\nSession #2\n2026-02-13\n5:30 PM\n– 7:00 PM (PST)\n\n\n\nSession #3\n2026-02-20\n5:30 PM\n– 7:00 PM (PST)\n\n\n\nSession #4\n2026-02-27\n5:30 PM\n– 7:00 PM (PST)\n\n\n\nSession #5\n2026-03-06\n5:30 PM\n– 7:00 PM (PST)\n\n\n\n\nReady to take your business to the next level? Join us for an engaging session packed with valuable insights on the critical legal and financial steps for starting and growing your business. Learn the difference between business and personal taxes\, maintain accurate records\, select the ideal business structure\, and more! \nGain essential knowledge on federal employment tax rules\, classifying workers\, payroll management\, and common federal tax credits for small businesses. Don’t miss this chance to set your business up for success—register today! \nWeek 1: Income Tax Basics for Small Businesses\nWeek 2: Income\, Expenses\, and Accurate Recordkeeping\nWeek 3: Self Employment Tax\, Payroll & Owner Pay\nWeek 4: Filing Requirements\, Forms & Deadlines\nWeek 5: Tax Planning\, Credits\, and Working With Professionals \nCarmen L. Mendez is a seasoned business executive and tax educator with over 20 years of experience supporting small businesses. She brings hands-on tax leadership from H&R Block\, where she managed more than 300 tax professionals across a major metropolitan market and worked directly with small business owners on tax compliance\, deductions\, and year-round planning. Known for simplifying complex tax topics\, Carmen teaches practical\, easy-to-follow tax courses designed to help small business owners understand their tax responsibilities\, avoid costly mistakes\, and make smarter financial decisions.Luis Caldera is a seasoned tax and business professional with many years of experience in personal and corporate tax preparation. He brings extensive expertise in bookkeeping\, business administration\, and business licensing\, helping clients stay compliant while building strong financial foundations. Luis has significant experience working with construction businesses\, including construction-specific business licensing\, and understands the regulatory and financial challenges unique to the industry. Known for his accuracy\, reliability\, and client-focused approach\, Luis is dedicated to helping individuals and businesses operate efficiently\, minimize risk\, and achieve long-term success. \n \n  \n 
URL:https://nevadasbdc.org/event/tax-compliance-workshop-series/
LOCATION:8400 W. Sunset Rd #300\, 8400 W Sunset Rd #300\, Las Vegas\, NV\, 89113\, United States
CATEGORIES:Accounting/Finance,Taxes
ORGANIZER;CN="Albert Delgado":MAILTO:albert.delgado@unlv.edu
GEO:36.0712818;-115.2754368
X-APPLE-STRUCTURED-LOCATION;VALUE=URI;X-ADDRESS=8400 W. Sunset Rd #300 8400 W Sunset Rd #300 Las Vegas NV 89113 United States;X-APPLE-RADIUS=500;X-TITLE=8400 W Sunset Rd #300:geo:-115.2754368,36.0712818
END:VEVENT
BEGIN:VEVENT
DTSTART;TZID=America/Los_Angeles:20260210T110000
DTEND;TZID=America/Los_Angeles:20260210T120000
DTSTAMP:20260403T162722
CREATED:20260129T222521Z
LAST-MODIFIED:20260129T222521Z
UID:10000841-1770721200-1770724800@nevadasbdc.org
SUMMARY:Credit Consulting Basics for Small Business Owners
DESCRIPTION:Credit Consulting Basics for Small Business Owners \nCredit Consulting Basics for Small Business Owners is a foundational\, easy-to-follow workshop designed to help entrepreneurs understand how credit works and why it matters for business success. Participants will learn the fundamentals of personal and business credit\, how credit scores are calculated\, how to read a credit report\, and practical steps to improve and repair credit. This session breaks down complex credit concepts into simple\, actionable steps so business owners can begin strengthening their credit immediately and position themselves for financing\, growth\, and long-term stability. \nWorkshop Overview Topics: \n\nThe difference between personal credit and business credit\nWhy credit matters for loan approvals\, interest rates\, and vendor terms\nUnderstanding credit scores (FICO vs. VantageScore) and score components\nHow to read and understand a credit report\nCommon credit report errors and how to document them and how to dispute issues\nBasic steps to establish and build business credit\nCreating a simple credit improvement action plan\n\nKey Learning Outcomes: \n\nUnderstand how personal and business credit work and how they differ\nGain confidence reading and reviewing credit reports\nIdentify common credit errors and know how to dispute them correctly\nLearn which actions improve credit scores the fastest\nDevelop practical strategies to repair and rebuild credit\nCreate a clear\, realistic action plan to improve credit over time\n\nMeet the Presenter: \nDarlene Rose-Shults has owned and operated her own business for nearly a decade and leverages her experiences to help entrepreneurs reach their goals through business planning\, identifying new markets\, developing and pivoting to in-demand products and services\, and growing sales through social and other media. She has a passion for assisting business owners with creating business plans\, understanding their credit and creating plans for better business operations. Darlene has an MBA\, and her pre-entrepreneur career in higher education gives her the ability to keep clients on task and provide structured advising with demonstrable outcomes.
URL:https://nevadasbdc.org/event/credit-consulting-basics-for-small-business-owners/
LOCATION:ONLINE\, STATEWIDE\, NV\, United States
CATEGORIES:Accounting/Finance,Webinar
ORGANIZER;CN="Nevada SBDC":MAILTO:training@nevadasbdc.org
GEO:38.8026097;-116.419389
END:VEVENT
BEGIN:VEVENT
DTSTART;TZID=America/Los_Angeles:20260224T173000
DTEND;TZID=America/Los_Angeles:20260224T190000
DTSTAMP:20260403T162722
CREATED:20260109T004833Z
LAST-MODIFIED:20260109T004833Z
UID:10000834-1771954200-1771959600@nevadasbdc.org
SUMMARY:Financial Foundations: Master Your Numbers in Two Nights
DESCRIPTION:Session #1\n2026-02-24\n5:30 PM\n– 7:00 PM (PST)\n\n\n\nSession #2\n2026-02-25\n5:30 PM\n– 7:00 PM (PST)\n\n\n\n\n  \nTake control of your business finances with this engaging two-night training focused on understanding your balance sheets\, P&L\, and more. In this hands-on workshop\, you’ll break down key financial concepts into simple\, practical terms you can immediately apply to your business. Learn how to read\, interpret\, and use your financial statements to make smarter decisions and strengthen your financial health. Join us to gain the clarity you need to manage your money with purpose and move your business forward with confidence. \nKathy has over 25 years of experience in small business development as a highly successful entrepreneur as well as a sought-after advisor and trainer by those in all stages of business ownership. Her areas of expertise include business plan counseling\, marketing\, strategic planning\, economic development and business education and training. With over 10 years in banking and other types of financial institutions\, Kathy has assisted businesses in financial planning and access to capital through alternative lending sources. Kathy serves as a part-time business advisor and trainer for the Nevada SBDC primarily in Douglas County\, Carson City and surrounding areas.
URL:https://nevadasbdc.org/event/financial-foundations-master-your-numbers-in-two-nights/
LOCATION:ONLINE\, STATEWIDE\, NV\, United States
CATEGORIES:Accounting/Finance,Webinar
ORGANIZER;CN="Nevada SBDC":MAILTO:training@nevadasbdc.org
GEO:38.8026097;-116.419389
END:VEVENT
BEGIN:VEVENT
DTSTART;TZID=America/Los_Angeles:20260302T120000
DTEND;TZID=America/Los_Angeles:20260302T130000
DTSTAMP:20260403T162722
CREATED:20260211T235708Z
LAST-MODIFIED:20260211T235708Z
UID:10000845-1772452800-1772456400@nevadasbdc.org
SUMMARY:Small Business Finance Workshop
DESCRIPTION:Join the Nevada SBDC for an in-person financial workshop and learn practical and actionable methods for improving your business finances. \n 
URL:https://nevadasbdc.org/event/small-business-finance-workshop/
LOCATION:700 Wyoming St.\, 700 Wyoming St.\, Boulder City\, 89005\, United States
CATEGORIES:Accounting/Finance,Funding
ORGANIZER;CN="Nevada SBDC":MAILTO:training@nevadasbdc.org
GEO:35.977326;-114.8308742
X-APPLE-STRUCTURED-LOCATION;VALUE=URI;X-ADDRESS=700 Wyoming St. 700 Wyoming St. Boulder City 89005 United States;X-APPLE-RADIUS=500;X-TITLE=700 Wyoming St.:geo:-114.8308742,35.977326
END:VEVENT
BEGIN:VEVENT
DTSTART;TZID=America/Los_Angeles:20260521T103000
DTEND;TZID=America/Los_Angeles:20260521T113000
DTSTAMP:20260403T162722
CREATED:20260331T200140Z
LAST-MODIFIED:20260331T200140Z
UID:10000854-1779359400-1779363000@nevadasbdc.org
SUMMARY:SBRC | Building Business Credit
DESCRIPTION:Learn how to establish and strengthen business credit to better position your company for financing\, growth\, and vendor relationships. This session covers what lenders look for\, common pitfalls to avoid\, and steps you can take right away.
URL:https://nevadasbdc.org/event/sbrc-building-business-credit/
LOCATION:Vegas Chamber\, 70 E. Bonneville Ave\, Las Vegas\, 89101\, United States
CATEGORIES:Accounting/Finance
ORGANIZER;CN="Nevada SBDC":MAILTO:training@nevadasbdc.org
GEO:36.1662928;-115.149209
X-APPLE-STRUCTURED-LOCATION;VALUE=URI;X-ADDRESS=Vegas Chamber 70 E. Bonneville Ave Las Vegas 89101 United States;X-APPLE-RADIUS=500;X-TITLE=70 E. Bonneville Ave:geo:-115.149209,36.1662928
END:VEVENT
BEGIN:VEVENT
DTSTART;TZID=America/Los_Angeles:20260611T103000
DTEND;TZID=America/Los_Angeles:20260611T113000
DTSTAMP:20260403T162722
CREATED:20260331T201514Z
LAST-MODIFIED:20260331T201514Z
UID:10000856-1781173800-1781177400@nevadasbdc.org
SUMMARY:Time To Find Your Dream BAIL Team - Panel Discussion with a Banker\, Accountant\, Insurance Agent\, and Legal Team
DESCRIPTION:Training Description: Building on December’s Build Your Dream Team masterclass\, this panel discussion takes a deeper dive into the key advisors every growing business needs: a Banker\, Accountant\, Insurance Agent\, and Legal team. Learn when to engage each expert\, what questions to ask\, and how a strong BAIL team helps you grow strategically while protecting your business.
URL:https://nevadasbdc.org/event/time-to-find-your-dream-bail-team-panel-discussion-with-a-banker-accountant-insurance-agent-and-legal-team/
LOCATION:Vegas Chamber\, 70 E. Bonneville Ave\, Las Vegas\, 89101\, United States
CATEGORIES:Accounting/Finance,Legal
ORGANIZER;CN="Nevada SBDC":MAILTO:training@nevadasbdc.org
GEO:36.1662928;-115.149209
X-APPLE-STRUCTURED-LOCATION;VALUE=URI;X-ADDRESS=Vegas Chamber 70 E. Bonneville Ave Las Vegas 89101 United States;X-APPLE-RADIUS=500;X-TITLE=70 E. Bonneville Ave:geo:-115.149209,36.1662928
END:VEVENT
END:VCALENDAR