Live Better
5 tips for starting your own business
(Family Features) The pandemic has caused many people to reflect and seek out change. One example can be found in the number of new businesses.
According to data from the United States Census Bureau, nearly 5.4 million applications were filed to form new businesses in 2021 – a 35% increase compared to pre-pandemic filings in 2019.
If you’re looking to start a business, one of the biggest obstacles can be knowing where to start. Many opportunities exist for small businesses today, including support and funding for start-ups, especially for minority business owners.
Starting a small business doesn’t have to be complicated. Consider these five steps to get on the right track.
1. Do Your Research
Make sure you understand the current market for your business. This step is crucial to turn an idea into a full-fledged business plan.
Ask questions like:
- Is this product or service in demand right now?
- Are there similar products and services out there, and are they succeeding?
- Can this product or service be delivered safely for employees and customers?
- Could the business support rapid growth if it really took off?
Ask other business owners about challenges and rewards to explore whether this is a good option for you. Use market analysis tools recommended by resources such as the Small Business Administration (SBA) to get to know the market for your business.
2. Write a Business Plan
No business can find funding, investors or partners without a solid business plan. Learning to write a comprehensive plan also forces you to fully think through every aspect of your proposed idea. The SBA can help with research of business plans.
Enlist the help of other business owners during the process, if you can, to understand how their plans helped them and what to avoid.
3. Fund Your Business
Every business needs capital to get started. Your business plan’s financial section should provide a clear idea of the capital you need to launch. Most businesses rely on multiple financial sources, including:
- Personal funds
- Bank loans or personal loans
- Investors
- Crowdfunding
SBA loans can be one option. For example, Huntington Lift Local Business is a small business lending program focused on serving minority-, women- and veteran-owned businesses. A top SBA 7(a) lending program, it has developed creative lending options and other features to help bring relief, recovery and growth to small businesses.
Through the program, businesses can secure SBA-guaranteed loans from $1,000-150,000 with:
- Zero origination fees
- SBA fees paid by Huntington
- Lower credit score requirements
- Free financial education courses
- Checking accounts with 24-hour grace overdraft fee relief and service fees waived for 36 months
- Flexible, longer-term repayment options
“The pandemic has caused people to re-evaluate and seek out a change, with many choosing to start their own business,” said Maggie Ference, Huntington’s SBA program director. “Everyone deserves a shot at success and our program delivers a solution to customers when they need it most, whether for a startup or an established business looking to grow.”
4. Develop a Marketing Plan
Creating a brand identity and communicating it well is crucial to success. Consider hiring or contracting marketing services to help you choose your business name, create a logo, build your website and develop a strategic marketing plan to get the word out about your business.
5. Take Care of Business
Dotting the “I’s” and crossing the “T’s” is necessary for every business. Details include choosing your location and registering your business; applying for required licenses and permits, including federal and state tax IDs; and opening your business bank account. Also consulting with an accountant experienced in helping small businesses can ensure you have your financial ducks in a row.
Starting a small business is a daunting challenge, but it can also be a rewarding opportunity. Taking the time to fully explore and utilize all the resources at your disposal can help your business become successful. Find more advice for small business owners at huntington.com/smallbusiness/small-business-resources.
Photo courtesy of Adobe Stock
SOURCE:
Huntington Bancshares
Live Better
Refresh your home: Spring cleaning checklist
(Feature Impact) After months of winter, spring cleaning isn’t just about dusting and vacuuming – it’s about inviting sunlight and fresh air into your space through the open windows and giving yourself a fresh start for the longer days ahead.
It’s also a perfect opportunity to clear out the old and make room for new experiences, memories and energy. Whether you’re tackling deep cleaning for the first time or you have seasonal rituals for tidying up your home, this room-by-room guide can help you plan and conquer seasonal chores.
Whole Home:
- Declutter spaces: Donate, recycle or discard what you don’t need
- Wash windows inside and out
- Dust baseboards, walls, vents and ceiling fans
- Wipe down doors, knobs and light switches
- Vacuum and clean under and behind furniture
- Clean curtains and blinds
- Store seasonal items like winter clothing and decor
- Replace air filters
- Shampoo carpet
Kitchen:
- Empty and wipe down refrigerator and freezer
- Clean oven, stovetop and microwave
- Scrub countertops and backsplashes
- Clean out the garbage disposal
- Sweep and mop floors
- Organize the pantry and throw away any expired items
Bathrooms:
- Scrub grout and tile
- Clean mirrors and glass surfaces
- Deep clean toilets
- Wipe down cabinets and bathroom fixtures
- Wash rugs, floor mats and the shower curtain and liner
- Empty trash and clean the bin
Bedrooms and Other Living Areas:
- Wash bedding, pillows and linens
- Organize closets and drawers
- Vacuum chair, couches and mattresses as well as under cushions
- Dust shelves and decor
- Clean light fixtures and lampshades
Outdoor Areas:
- Power wash patios, sidewalks and driveways
- Wipe down outdoor furniture and replace textiles like pillows, cushions and umbrellas
- Clear debris from garden beds
- Prune shrubs, plants and trees
- Organize garages and sheds
- Reconnect hoses and sprinklers
- Prep lawn equipment such as mowers, weed eaters and blowers
For more spring cleaning tips and tricks, visit eLivingtoday.com.
Photo courtesy of Shutterstock
SOURCE:
Live Better
Curating a memorable vacation for your family
(Family Features) Travel has a way of slowing time down, creating memories for loved ones that last long after suitcases are unpacked and regular routines return. For many Americans, their most treasured family memories took place on a vacation or trip rather than at home.
In fact, nearly 67% said they value a core memory more than a physical souvenir after a vacation, according to a survey commissioned by Holland America Line, a cruise line that has been exploring Alaska for nearly 80 years. What’s more, almost 86% of survey respondents said they have looked at photos or videos from a past trip to lift their mood, and more than 90% said positive travel memories can improve their mood during difficult times.
With Alaska on the travel bucket list of more than two-thirds of Americans, it’s a destination that is influencing experience-focused family adventures.
Explore Curiosities
Travel is about more than seeing new places. For many Americans, it’s also a time to learn, explore new interests and slow down. Booking a cruise can encourage those behaviors.
According to the survey, 61% of Americans are more likely to try new foods while traveling on a cruise, and nearly half (48%) said they’ve discovered a new interest or hobby during their cruise, including wildlife, food, history or culture. For example, cruise guests may be able to try local specialties, like fresh Alaskan seafood, reindeer sausage, birch syrup and Alaskan berries, while on board.
Unstructured time is part of the appeal of cruises, with 28% of respondents sharing they read more during their trips.
Focus on Nature
Nature-focused destinations stand out because they offer experiences that feel rare and immersive, especially in places where wildlife and landscapes are central to the journey. More than 4 in 10 survey respondents said seeing wildlife in nature would be the most memorable family vacation experience, compared with about 12% who said meeting a character at a theme park would stand out most.
Whether spotting whales, watching glaciers calve or seeing the Northern Lights stretch across the Alaskan sky, the landscape being part of the experience helps define the journey. To help guests witness the majestic animals found in Alaska, including whales, eagles, bears, moose, otters, seals, sea lions and more, Holland America Line carries a wildlife expert on board. Plus, a wildlife spotting guide points out native animals found along the cruise route and a map with the best places to see each species is included.
“Guests tell us time and again how profoundly nature shapes the memories they carry home,” said Robert Morgenstern, senior vice president of Alaska Operations at Holland America Line. “Wildlife sightings, time outdoors and shared moments linger long after the cruise ends, especially for families exploring Alaska together.”
Reimagine Family Time
For families, travel often creates time for bonding that daily routines simply don’t allow. More than half of the survey respondents said their best family memories occurred while traveling together, and more than 4 out of 5 (82%) said some of their strongest family bonding moments happened during a vacation or family trip.
In addition to shared memories, more than 91% said travel had a positive impact on their mental and emotional well-being.
As travelers look for relief from routine and overstimulation, finding experiences rooted in nature, exploration and shared moments can help create lasting memories and emotional connection.
To learn more about Alaska travel and book your next family adventure, visit hollandamerica.com.
SOURCE:
Live Better
Dive in: How to prep the pool for summer
(Feature Impact) Summer will be here before you know it, but before you start digging out the bathing suits, beach towels and sunscreen, be sure to take time to prep your pool for the swimming, tanning and splashing to come.
Deep Clean
Start by giving your pool a good scrub. Remove debris such as leaves, branches, rocks and other items that may have collected over. Then use your cleaner of choice and a hard brush to scour the walls and floor to remove algae, stains and loose dirt.
Apply an Algaecide
No one wants to swim in green water with slimy surfaces. To prevent algae growth, add an algaecide to the water. These chemical cleaning agents are best used preventatively to keep algae spores from growing and water clear.
Shock It Up
Shocking a pool is simpler way to describe superchlorination – a process that involves adding a large amount of chlorine to destroy bacteria, algae and other contaminants that may have formed. As for how much shock to use, usually about 1 pound of shock per 10,000 gallons of water for routine pool maintenance.
Lessons in (Water) Chemistry
A healthy pool season is all about the right mix of chemicals and pH levels. Before you get into testing mode, you’ll need to have a water testing kit on hand. Begin the process by testing the pH levels of the water and adjust as needed to keep the pH between 7.2-7.8. Keeping the pH levels in this range helps prevent skin irritation and eye discomfort.
Filter First
As much as you may be ready to dive in after the prep work, you’ll want to run the filter first – for at least one full day. It helps distribute the shock and algaecide throughout the water and remove any lingering bacteria to help ensure your pool stays clear and clean.
Find more tips to get your pool ready for summer at eLivingtoday.com.
Photo courtesy of Shutterstock
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