Small Biz Advice

Family peanut-butter venture sees sales take off

August 9, 2014
Andrea Muirragui Davis
B. Happy Peanut Butter is a hit at the summer market—and then some. Available at more than a dozen retail outlets in central Indiana, its seven varieties of hand-packed PB could produce sales of $100,000 this year.
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Angel-investing event may bolster startupsRestricted Content

August 10, 2013
Chris O'Malley
An emerging network of angel investors from around the state will team with Indiana University next month on a workshop that will put them in the same room with entrepreneurs who’d like their backing.
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WOJTOWICZ: Lots to consider when weighing mortgage payoff

June 21, 2013
Jean Wojtowicz
You certainly don’t want to keep paying a mortgage if it restricts your business in other areas. But you don’t want to cough up too much at once and have the same effect.
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WOJTOWICZ: Is small-business ownership for you?

November 30, 2012
Jean Wojtowicz
The horror stories are sobering: Dun & Bradstreet reported earlier this year that businesses with fewer than 20 employees have only a 37 percent chance of surviving four years and just 9 percent will be around 10 years.
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Co-working spaces multiply, giving independent workers options

June 30, 2012
Ellen Kobe
Co-working sites—shared office spaces designed to give entrepreneurs, free-lancers and consultants the tools they need to get the job done as well as the chance to interact with other professionals, sans cubicle—are gaining popularity nationally and, finally, in Indianapolis.
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Mentors give entrepreneurs a business boostRestricted Content

May 26, 2012
Andrea Muirragui Davis
Good mentors can make a world of difference to up-and-coming entrepreneurs. Countless business owners find themselves in need of a gut check from time to time and, these days, mentors are an essential part of their toolkit.
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Satellite training sites give entrepreneurship agency a boostRestricted Content

April 14, 2012
Hayleigh Colombo
Participation at Business Ownership Initiative-led training sessions is up nearly 30 percent so far this year as more Hoosiers start businesses of their own. Executive Director Julie Grice is looking for more counselors and money.
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WOJTOWICZ: Temporary program helps refinance commercial mortgages

February 24, 2012
Jean Wojtowicz
A recent study from Credit Suisse found that over $15 billion of small commercial mortgages (under $5 million) are coming due in the next few years.
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Extras help small firms boost business

January 14, 2012
Andrea Muirragui Davis
Small businesses like KnowSweat Workouts increasingly are adding products and services to keep revenue flowing during tight economic times.
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WOJTOWICZ: Do homework before meeting business lender

December 19, 2011
Jean Wojtowicz
Prepare to talk in detail about your business, the plans you are making and the reasons for expanding before you show the banker the facts and figures.
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WOJTOWICZ: Character always counts—even in loan decisions

September 23, 2011
Jean Wojtowicz
During these difficult times, small-business lenders are looking harder at intangibles—including a borrower’s character.
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WOJTOWICZ: Missed tax payments could affect business loans

July 1, 2011
Jean Wojtowicz
Property tax billing and collection were at their most confusing during the recession, when businesses were experiencing lost revenue, poor projections and, in general, toughing it out as best they could.
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WOJTOWICZ: Relief available for firms with falling real estate values

June 3, 2011
Jean Wojtowicz
New law allows banks to refinance existing real estate and equipment debt through the U.S. Small Business Administration 504 loan program.
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SHEPHERD: Credit cards hurting too many businessesRestricted Content

May 21, 2011
Connie Shepherd
Expensive personal credit undermines credit scores and ultimately the odds of more traditional lending.
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Indianapolis tech experts talk about the local industryRestricted Content

April 9, 2011
In a question-and-answer forum, leaders weigh in on topics ranging from tech transfer to the future of Aprimo.
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Business Ownership Initiative hires executive director

February 15, 2011
Sean Morrison
Julie Grice, a 10-year veteran of the Greater Indianapolis Chamber of Commerce and former business owner, began her tenure as executive director of the not-for-profit Business Ownership Initiative of Indiana on Sunday.
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WOJTOWICZ: How to lay your hands on working capital

December 6, 2010
Jean Wojtowicz
Small-business owners looking for working capital would be well-served to do their research in advance and can ask their bankers about several approaches, including financing based on assets.
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INSIDE DISH: Irvington favorite breaks off slice for Greenwood

December 3, 2010
Mason King
Jockamo Watch
                           VideoThe owners of Jockamo Upper Crust Pizza had seen other local eateries sink after expanding. They weighed many risks before pulling the trigger.
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Twitter tool winner of Startup Weekend event

November 15, 2010
The winner, StatsSquared, now will compete against other winners from cities worldwide in an online contest for the overall top prize.
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Latest Startup Weekend offers twist for entrepreneurs

November 9, 2010
Scott Olson
Unlike past events in Indianapolis, this one features a panel of judges who will select a winning business idea, enabling a team to compete in a global online contest against other winners from cities worldwide.
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WOJTOWICZ: Be careful when locking in low loan rate

August 27, 2010
Jean Wojtowicz
This may be a golden opportunity for small-business owners to lock in a low rate to finance expansion. But make sure you understand the loan agreement.
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LEADING QUESTIONS: Small-biz tips from finance whiz

May 26, 2010
Mason King
Wojtowicz_WatchVideoJean Wojtowicz, whose firm has helped fund more than 1,200 Indiana companies, recommends the "front-page test," looking seriously at expanding, and pulling the trigger quickly on toxic employees.
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LEADING QUESTIONS: Small biz whiz talks taking risks

May 5, 2010
Mason King
LQ_Ball_WatchVideoMarketing pro Lorraine Ball suggests a test for when it's time to ditch the corporate gig, plus tips for networking and public speaking.
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McCLANAHAN: Does e-mail boost or bust productivity?

April 9, 2010
CJ McClanahan
The more I deal with e-mail, the more I believe that, despite these extremely valuable benefits, e-mail is hurting our ability to effectively grow our businesses.
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MARKETING: Do you know what keeps your customer up at night?Restricted Content

December 26, 2009
Lorraine Ball
As the year winds down, it is a great time to think about your marketing plan and budget for 2010. For small-business owners, this is particularly important, because we do not have the marketing budgets of large firms.
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  1. The $104K to CRC would go toward debts service on $486M of existing debt they already have from other things outside this project. Keystone buys the bonds for 3.8M from CRC, and CRC in turn pays for the parking and site work, and some time later CRC buys them back (with interest) from the projected annual property tax revenue from the entire TIF district (est. $415K / yr. from just this property, plus more from all the other property in the TIF district), which in theory would be about a 10-year term, give-or-take. CRC is basically betting on the future, that property values will increase, driving up the tax revenue to the limit of the annual increase cap on commercial property (I think that's 3%). It should be noted that Keystone can't print money (unlike the Federal Treasury) so commercial property tax can only come from consumers, in this case the apartment renters and consumers of the goods and services offered by the ground floor retailers, and employees in the form of lower non-mandatory compensation items, such as bonuses, benefits, 401K match, etc.

  2. $3B would hurt Lilly's bottom line if there were no insurance or Indemnity Agreement, but there is no way that large an award will be upheld on appeal. What's surprising is that the trial judge refused to reduce it. She must have thought there was evidence of a flagrant, unconscionable coverup and wanted to send a message.

  3. As a self-employed individual, I always saw outrageous price increases every year in a health insurance plan with preexisting condition costs -- something most employed groups never had to worry about. With spouse, I saw ALL Indiana "free market answer" plans' premiums raise 25%-45% each year.

  4. It's not who you chose to build it's how they build it. Architects and engineers decide how and what to use to build. builders just do the work. Architects & engineers still think the tarp over the escalators out at airport will hold for third time when it snows, ice storms.

  5. http://www.abcactionnews.com/news/duke-energy-customers-angry-about-money-for-nothing

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