Construction, Industrials and Utilities

CF Template - Manufacturing (Open with Excel)

CF Template - Chiropractor (Open with Excel)

SCORE Workshop Poster 1st. Qtr. 2014

Taxes Presentation on 3/13/2013

Karen M Rathje

Karen M. Rathje

Karen M Rathje

Current City: Bettendorf, IA

formerly an accountant in the construction, property management, land development arena.



undergraduate degree in accounting from St. Ambrose University Davenport Iowa</p>

MBA St. Ambrose University Davenport Iowa</p>

A two-sided flyer designed to instruct prospective clients how to sign up for counseling.  

Printed copies are available in the SCORE Office.



          I’m in the process of establishing a graphic design/web development business. 
Should I form a corporation? 


By Attorney Ruth-Ellen Post

The four most common forms of business structure are:

  • LLC (Limited Liability Company)
  • CORPORATION (Conventional and Subchapter S)

The following outlines provide very general information on some of the main
similarities and differences among these business structures in six key areas:

About the Author

          This column is brought to you by the Merrimack Valley Chapter of SCORE, with 
nearly 70 current and former business executives available to provide free, confidential, 
one-on-one business mentoring and training workshops for area businesses. Call 603-666-7561 or visit for information on mentoring, upcoming 
workshops and volunteer opportunities. SCORE is a national, non-profit organization 
and a resource partner of the U. S. Small Business Administration. 


William Effinger

William Effinger

Current City: Poulsbo, WA

Bill Effinger has several decades of hands-on experience as a developer; builder of homes and commercial projects, a forward planning consultant and land acquisition specialist. His negotiating and marketing skills are exceptional

Elected Mayor of Buena Park California in 1950 Effinger has been a long time member of the National Association of Home Builders (NAHB). He was an appointed member of the NAHB Marketing Committee, National Education Chairman of the Remodelers Council and has had many of his cogent industry related articles on marketing and management published in the NAHB Business Journal, National Association of Realtors Magazine, Boston Business Journal, and Builder Magazine.

“New Dimensions for Living” became the creative company formed by Effinger in 1982 to design and build two prototype affordable housing products, one in San Diego’s North Park and the other in Golden Hill, which won an award from the San Diego Housing Commission for “The Most Creative Affordable Housing Concept" in 1985. After getting National publicity beginning with the Pacific Coast Building Conference in San Francisco, the concept was acquired by a national public company in Boston Massachusetts. The original concept remains viable today.

Formerly a commissioner of the Escondido, CA Housing Commission, Effinger has an excellent track record for receiving government approvals for large and difficult commercial and residential development projects. He has applied his passion for, and experience in affordable housing projects to create and assist builder clients in that field.

Effinger created a computer based business management tool marketed internationally in 1991 as "The Competitive Edge" licensing it to Bird Construction Software, Inc. a subsidiary of Bird Incorporated of New England.

Effinger is a licensed Commercial Real Estate Broker/Independent Contractor, Managing Principal of New Century Consulting, a member of the Kitsap HBA specializing in Affordable Housing.



Continuation courses UCLA</p>

Rajesh M Koppikar

Rajesh Koppikar

Rajesh M Koppikar

Current City: Palm Beach Gardens, FL
Chapter: Palm Beach SCORE

Over 36 years of international work experience (in India,Germany & USA) in Quality Assurance, Vendor Audit/Evaluation, ISO 9000 audits, Global Procurement, Supply Chain Management, Materials/Warehouse Management, ERP (SAP) implementation, IT Application Support, Business Process Engineering and e-Business. Worked in Naval Dockyard/Mazagon Dock Ltd./Siemens/Gulf Oil/Florida Power & Light.  Certified ISO 9000 auditor (Bureau Veritas Quality International), Six Sigma Yellow Belt & Lean. Retired from Florida Power & Light.



<ol> <li> Electronics &amp; Telecommunication Engineering.&nbsp;</li> <li> ISO 9000 Auditor</li> <li> Six Sigma Yellow Belt</li> <li> Lean</li> </ol>


Founded in 2013, aEONRG provides construction and renovation solutions, including LEED-certified government and corporate construction, renovations, environmental and renewable energy solutions, architectural and engineering services, project management and consulting.  Taking social responsibility seriously, aEONERG aims to provide one-stop-shopping general contracting solutions and to help reduce the country’s carbon footprint. 

After decades in the Army, from leading tank combat troops to managing procurement programs and working in the Pentagon for the Under Secretary of the Army for Acquisition, Technology and Logistics, founder Bill Belknap became a corporate site general manager and facilities lead. But he says, his long standing goal was to become an entrepreneur. Belknap worked with SCORE counselor Frank Millheim while in the planning stages for his business.  “SCORE and specifically Frank Milheim actively listened to my start up business plan and goals, affirmed some of my directions and challenged me to focus more directly on specific groups of customers as well as services where I would have the most success.”

The company has 18 full- and part-time employees.  In 2013, aEONERG won 10 contracts – including one multi-year contract -- with revenues just shy of their $500,000 goal. For 2014, the company’s goal was to double its business with one million in contracts. In March it received its largest award ever and its 16th government contract, reaching $982,500 since becoming operational on May 1st 2013.  

The company is also dedicated to helping veterans, seniors, and the environment through its social responsibility program with a percentage of our profits.  The national nonprofit founded by Cass Belknap in 2003, grants wishes to seniors, with one third of the 1,750+ wishes granted to veterans.

William Belknap
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