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
5 ways to naturally support summer energy and focus
(Feature Impact) Summertime means sunshine, longer days, family vacations and social events everywhere you look – but summer can slip away if you feel too tired and distracted to make the most of your experiences.
According to a survey conducted by Atomik Research on behalf of Botanic Tonics, many adults ages 21 and older struggle to feel fully present in summer activities. Nearly half of respondents said having enough energy and a clear mind would help them get more enjoyment out of the summer moments that matter most.
With that in mind, here are five simple daily habits to support your energy and focus throughout the rest of the summer season.
Improve Your Sleep Quality
It might sound obvious, but getting better sleep should be a top priority for anyone trying to harness more physical and mental energy throughout the day. Keep your bedroom cool, dark and quiet; avoid consuming caffeine too close to bedtime; and wind down with a relaxing routine like reading or yoga.
Get Regular Exercise
Even though a workout consumes energy in the short term, it pays you back with dividends. Just 30 minutes of movement a day – including favorite summer activities like swimming or playing games in the yard – can improve your mood. Physical movement also helps reduce stress, which was a reported obstacle for 33% of survey respondents who wished they could be more present with friends and family during the summer months.
Stay Hydrated
When the weather is hot, it becomes more important to stay on top of your hydration. Even mild dehydration can negatively impact your energy and focus. When you’re out of the house, bring a reusable water bottle and set reminders to drink regularly, especially during and after outdoor activities.
Limit Device Usage
When you’re feeling sluggish, it can be tempting to collapse on the couch or in bed to scroll on your phone or watch TV. There’s nothing wrong with screen time in moderation, but digital fatigue is real and it can drain your energy and disrupt your sleep. Plus, 49% of surveyed adults said social-media-driven FOMO (“fear of missing out”) made it harder for them to enjoy their summer experiences in the moment.
Try Botanical Energy Offerings
When energy levels start to dip, it’s easy to reach for a cup of coffee, a sugary energy drink or soda. Products made with thoughtfully sourced botanical ingredients offer a different approach. For example, Botanic Tonics’ “feel free” kava-centric supplements are designed to deliver chilled energy: a unique combination of energy, focus and elevated mood.
For smooth, sustained energy without caffeine jitters or sugar crashes, try KavaMaté, crafted with noble kava root and yerba maté. For those looking to elevate their mood and enhance focus, feel free Classic is thoughtfully crafted with noble kava root and natural whole leaf kratom – never synthetic ingredients, alcohol or concentrates.
Learn more about these products, responsible consumption and where to purchase at BotanicTonics.com.
Photo courtesy of Shutterstock
SOURCE:
Live Better
Teach and inspire your kids by exploring your family history
(Feature Impact) During back-to-school season, education is naturally at the forefront of most parents’ minds. While a lot of important learning is accomplished in the classroom, there are so many opportunities to continue challenging and developing children’s minds and hearts in family life as well. Learning about history together is a practical way to inspire deep, meaningful conversations about the world, whether from books, documentaries or visits to museums.
Watch this video to learn more
Now is an opportune time to explore the story of Anne Frank, a Jewish teenager evading Nazi capture during the Holocaust. Families can read her famous diary together then visit “Anne Frank The Exhibition,” presented by the Anne Frank House at the Griffin Museum of Science and Industry. This comprehensive exhibition immerses visitors in the context that shaped Frank’s life, from her early years in Frankfurt through her tragic death and how her father ensured her legacy. The centerpiece is the first full-scale recreation of the Annex where the Frank family and four other Jews hid during the Nazi occupation of the Netherlands. The exhibition, recommended for visitors ages 10 and older, is open through early 2027.
No matter what piece of history families choose to delve into together, they should take the time to discuss with their kids what they’re thinking and feeling about everything they’re discovering. Then together they can figure out what lessons from the past can be taken into the future.
“Anne Frank ’s story is a powerful reminder of what happens when fear and hatred are
allowed to take root,” said Dr. Chevy Humphrey, Griffin Museum of Science and Industry
president and CEO. “At the same time, it reveals the quiet but enduring strength of
curiosity, creativity and resilience, values that sit at the heart of our mission. We hope this
exhibition offers meaningful moments of reflection for our guests, particularly young
people, and encourages them to think critically about their role in the world they are
inheriting.”
Learn more about the exhibit and other experiences that bring history and science to life at GriffinMSI.org.
SOURCE:
Live Better
Expert entertaining advice for hosting summer soirees
(Feature Impact) For summer hosts across the country, few pairings are as timeless and crowd-pleasing as wine and cheese. Approachable, easy to find and naturally complementary, these warm-weather favorites are a perfect fit for a variety of occasions.
At the end of the day, summer entertaining is about good food, good wine and creating a space where people feel welcome, according to sommelier Sam Capaldi, whose mission is to make wine fun and approachable.
“My ideal celebration is pretty simple: a few loved ones gathered on the patio, cheese boards in the center of the table, bottles of wine chilling on ice, music playing in the background and a card game that somehow gets way more competitive than anyone expected,” Capaldi said.
Whether it’s a backyard gathering with friends, a solo night watching reality TV or a spontaneous evening, Capaldi wants hosts to remember that the best pairings aren’t just what’s in the glass and on the board – it’s the people, moments and memories that come with them.
In partnership with Cracker Barrel Cheese, Capaldi is sharing simple tips for hosts looking to elevate their summer soirees without the hassle.

Make Entertaining Simple and Fun
The pressure to create the perfect tablescape, prepare an impressive meal and uncork an expensive bottle of wine can feel overwhelming. Instead, a simple text that says “Come over, I have wine and snacks,” can mean the world to a close friend or loved one.
One of Capaldi’s favorite reminders for hosts is they don’t need five different wines to serve alongside a cheese board. Instead, one or two are often more than enough. The key is choosing versatile wines that pair well with a variety of flavors and textures.
Create Memorable, Crowd-Pleasing Pairings
Elevate any gathering with some of Capaldi’s favorite approachable wine and Cracker Barrel Cheese pairings such as:
- A refreshing white wine, Sharp White Cheddar drizzled with spicy honey and potato chips. The bright acidity of the wine cuts through the salty chips and rich, savory cheese, creating a fresh and balanced bite.
- A fruity rosé, Extra Sharp Yellow and Sharp White Cheddar, garlic naan crackers, slices of prosciutto and a spoonful of strawberry jam. Rosé is incredibly versatile and plays well with the different flavors on the board, making it a perfect match for several different cheeses.
- Pinot grigio, pretzels and Vermont Sharp White Cheddar. The citrus notes and the bright acidity of pinot grigio cut through the richness of sharp cheddar, while its crisp finish keeps your palate refreshed between bites. Salty pretzels also help highlight the wine’s fruit notes, making every sip taste a little brighter.
Use Seasonal Additions for a Special Touch
Summer offers an abundance of fresh produce and seasonal flavors that can elevate any gathering without overcomplicating the occasion. Capaldi recommends adding frozen fruit to wine, such as strawberries, peaches or mangos to whites and rosés. The fruit helps keep the wine cold without watering it down and adds a subtle burst of fruit flavor.
When it comes to cheese spreads, a jar of spicy honey can quickly become a go-to ingredient. For a sweet-and-salty combination, try drizzling spicy honey over cheese then pair with potato chips or pretzels so your snack board offers a little bit of everything.
For more summer entertaining inspiration, visit CrackerBarrelCheese.com.
Photo courtesy of Shutterstock (wine and cheese plates)
SOURCE:
Cracker Barrel Cheese
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