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Business

  • Starting over in the job market

    Question: I recently was laid off after 20-plus years at my job. I am nervous about looking for a new job and starting over. Any tips on where/how to start?

    Answer: The economic crisis in the United States has led to record job losses and layoffs that have affected nearly every industry. While it may not seem like it right now, this crossroads in your life is an opportunity to evaluate your financial future and perhaps pursue a different career path you may not have otherwise considered.

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  • Recognizing important stages in winter wheat

    Spring is just around the corner and the longer days and warmer weather soon will have the winter wheat crop breaking dormancy, allowing rapid growth. This late winter period is an important one for wheat growers, and decisions made during this time could determine the success of the crop.

    To be considered an adequate stand, wheat now should have 70 to 100 tillers per square foot. A field at the lower end of that range would need a low rate of nitrogen applied at Feeke’s 3, which typically occurs toward the end of February.

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  • Chamber offers social media, marketing training

    The Hardin County Chamber of Commerce is accepting registration for a Social Media Boot Camp, its second offering in the continuing Business at Breakfast series. The chamber also is launching a Lunch and Learn series with a repeat of its Marketing Your Business program. 

    Both programs are designed to help develop members’ skills and knowledge to make their businesses more successful.

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  • Business blooms: Florists rush to meet Valentine’s Day demand

    Florist Beth White ordered more than 2,000 red roses to meet the demand she expected for the most popular flower she sells on her store’s busiest day of the year.

    Florists were in a flurry Wednesday to meet with last-minute customers and make final arrangements before Valentine’s Day.

    The holiday means doing in one day the amount of business she typically has in a month, said White, owner of E’town Florist on Westport Road in Elizabethtown.

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  • Time to consider frost seeding

    It’s the time of year forage producers really get to thinking about reseeding pastures and hay fields.

    Last summer’s drought took a toll on stands of legumes and grasses in some fields, so producers are wondering what’s really going to be there this spring. Frost seeding is a good option to get clovers back into pastures and hay fields, and based on the calls we’re getting here recently, many producers are considering using this option, but have questions — especially on the recommended timing.

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  • Two minutes of glory for American farmers

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  • Focus on finance: Tax law updates for 2013

    Question: What can you tell me about the American Taxpayer Relief Act that recently was signed?

    Answer: The American Taxpayer Relief Act of 2012 was signed into law Jan 2. It includes key provisions that will affect many households.

    The Bush-era tax cuts are permanent with the exception of a new top rate of 39.6 percent for taxable income levels of $450,000 for joint filers and $400,000 for single filers.

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  • Simple vs. compound interest

    Question: What is the difference between simple and compound interest?

    Answer: Whether you are investing or borrowing money you will more than likely have to deal with some form of interest. Your decision on how to invest or how to borrow should include a basic understanding on the difference of each and the impact they can have on your savings or debt. 

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  • Richards wins Ray Kroc Award
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  • Small business funding: Where to go when the bank says no

    Question: Do I have any other options for a service oriented small business loan if the bank says no?

    Answer: Service businesses make up a significant part of the economy, especially with laid off workers and other corporate refuges setting up shop as consultants. But try getting a loan to fund one.

    Jeff Goldstein, a former Procter & Gamble brand manager and Cincinnati-based business consultant, learned that lesson the hard way when he needed a bank loan to buy a market research firm.

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