Tag: First

Louisville Business First: 20 People to Know: Trey Riddle #harvard #business

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Louisville Business First: 20 People to Know: Trey Riddle

Favorite way to spend time away from work:

Describe your company:

Sunstrand is a manufacturer and supplier of biomaterials for a variety of technical and industrial applications. Our focus markets are polymer composites, plastics and technical nonwovens. Basically, we take raw agricultural feedstocks (bamboo, kenaf, flax, hemp) and manufacture our products that take the form of fibers and fillers (particulates).

Our customers (upstream manufacturers) then incorporate these materials into their products. Ultimately, our materials will be used in a variety of applications, including consumer goods, automotive, building materials and sporting goods.

What is the biggest hurdle for entrepreneurs in the area?

Acquisition of capital is probably the No. 1 most challenging issue facing startups in the area. The community has done a really good job of highlighting some of the bigger names in local investment, but that is just the tip of the iceberg, so to speak.

How do we get below the water line? Additionally, there are way more companies needing capital than investors, and that breeds deal partiality.

What is some advice for people who want to start a company?

Seek out help. I have found that people are generally willing to have open discussions with you about a variety of business-related topics if you just ask nicely. The key in those situation is to not push product, but rather reach out for advice. Be dedicated and stay vigilant — there will be ups and downs. It is not all about the money. If you are not passionate about the business, don’t even think about starting it.

What’s the most interesting question a potential investor has ever asked you?

What is your plan? Not what is the business plan, but where do I see myself personally in 10 years. I think the key here was that the potential investor was interested in my personal goals because he knew that it would affect the business in the long run.

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Maryland First Time Home Buyer #first #time #home #buyers #in #maryland

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We help turn your dreams of homeownership into reality.

Maryland First Time Home Buyer specializes in helping renters become homeowners

George Kennedy and his entire support team were tremendously professional, transparent and highly responsive to my questions and concerns. I was treated with the utmost dignity and respect at every step of the process. Any questions I encountered during the process were answered often within minutes of my call or email. As a first time home buyer, my experience could not have been more seamless. I will readily recommend George s services to anyone looking to purchase real estate. Top notch!

I highly recommend this team of hard working, quick responsive and very helpful employees of the Maryland First Time Homebuyer to everyone. We previously went with another mortgage company who gave us false information and also took days to respond to us. With that being said we would have missed out on our new home which has everything that we wanted in a house. We are very grateful that God has put these people in our lives and I wouldn t trade them for the world!

They were very professional and extremely knowledgeable. Treated me like family and truly cared. My experience was overall awesome!

I first contacted George in April about purchasing my first home, but I heard so many myth I just didn t know what was true or not true. George gave me his professional opinion and told me what I needed to do to make it possible. Personal things came along, but after six months I manage to fix everything he ask. From start to finish. 30 days to settle into my first home. Again thanks so much.

Shawna Nicole M.

My experience was great because in the end I moved into my new home! Mr George was very professional and although my loan was a tough one he managed to get it done with a smile walked us through the process and I couldn t be more happier. Mr George is the best they come.

George asked questions to understand our needs and listened to us. He explored options for us and lent his experience and expertise to our decision-making process. He explained the loan process in detail and guided us through it. We thoroughly enjoyed working with George and his team and are very pleased with the result!





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First Time Home Buyer Programs in Illinois #homes #for #sale #in #illinois, #illinois #real

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First Time Home Buyer Programs in Illinois

First time home buyers can be eligible receive opportunities to use special credits or promotions in their efforts to purchase a home. Depending on the area or state, they can receive extra financing, beneficial interest rates on mortgages and other incentives. These incentives can help with closing costs, down payments and other costs. Keep in mind that there are certain parameters and requirements to receive these benefits so pay attention what kinds of benefits you may be eligible to receive in Illinois.

Welcome Home Illinois

Welcome Home Illinois is a program which allows qualified first time home buyers to get financing for their first time home purchases. These qualified potential buyers can get $7,500 for down payment or closing costs. First time home buyers can enjoy favorable interest rates, at 3.99% on secure 30 year mortgages. To qualify buyers can’t have owned a home in 3 years and have a minimum credit score 640.

SmartMove

SmartMove is a financing option that provides mortgage programs to first time Illinois home buyers. The Illinois Housing Development Authority has been expanded and offers a 30 year first mortgage with solid interest rates. Home buyers can obtain second mortgages of up to $6,000 to assist with down payments and closing costs. Only first time homebuyers, buyers who haven’t owned primary residences in Illinois in the last 3 years, are eligible though military veterans are also eligible, even if they’re not first time home buyers and keep in mind that there are requirements in terms of income and purchase pricing.

American Dream

The goal of the American Dream initiative is to increase home ownership among minority groups in order to contribute to the revitalization and stabilization of minority communities through increased home ownership. To qualify, buyers must be less affluent first time home buyers whose incomes to not exceed 80% of the median income in a particular area. This assistance is provided to home buyers through the federal government’s Department of Housing and Urban Development and can be used to assist with down payments, closing costs and interest reduction.

These programs provide options for homeowners who are in need of financing in Illinois. As always, do your research when you’re considering which types of financing to employ when trying you hand at buying your first home. Best of luck!

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Chinook Medical Gear, Inc – Your Source for Medical Kits, Tactical Combat Casualty Care

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WHOLE BLOOD COLLECTION & TRANSFUSION KIT Contains essential items to collect and transfuse fresh whole blood in a compact, vacuum-sealed package.NSN: 6515-01-657-4750

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  • The Eye Care Institute CEO Again Recognized by Business First of Louisville #drop #shipping

    #business first louisville

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    You are here: Home / The Eye Care Institute / The Eye Care Institute CEO Again Recognized by Business First of Louisville

    The Eye Care Institute CEO Again Recognized by Business First of Louisville

    Mark Prussian, Chief Executive Officer of The Eye Care Institute, was again honored as a Partner in Health Care by Business First of Louisville.

    The award recognizes businesspeople who offer support to the Greater Louisville health care industry. A print profile of Prussian is featured in the March 12, 2010 supplement to Business First. This is the fourth year in a row for Prussian receiving this recognition. Prussian also received the Business First Forty under 40 award in 1999.

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    Watch Tyler’s LASIK experience with Eye Care Institute. “I wanted a long term solution to my Read More.

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    The Eye Care Institute’s CEO, Mark Prussian was a featured guest on The Rusty Satellite Show with Read More.

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    Business – First Capital Bank of Kentucky – Louisville, KY #franchise #businesses

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    Allow the business expertise of First Capital Bank to be your most important financial resource. We work with our clients to develop a keen understanding of their businesses and personal lives, as they are often closely interwoven. We can then evaluate financial hurdles and opportunities intelligently, recommending solutions that make sense on a personal and professional level. We respond to our business customers by designing an approach that asks the right questions and provides the solutions necessary to meet the unique needs dictated by today s changing business climate. Allow our experienced, knowledgeable and highly qualified team to provide you with the most responsive financial products and services available to you and your business. Check out our options, use our helpful financial tools, and schedule a visit with us today. We re eager to help you get started.

    Contact Us

    Thank you for your interest in First Capital Bank of Kentucky. We strive to make ourselves available to you, via email, telephone, postal mail and in person at any of our branch locations. or use the secure form found on our Contact Us page.

    First Capital Bank of Kentucky
    293 N. Hubbards Lane
    Louisville, KY 40207





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    Consult the Expert – Business First Louisville – CUB: A Kentucky Community Bank #start

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    Consult the Expert Business First Louisville

    Topic:
    The Era of Smart Technology

    Nearly all of us today have a Smart Phone, but what is a Smart Safe?
    A Smart Safe is key to managing the challenges of cash in a retail environment. A Smart Safe automatically accepts, validates and stores notes while recording each transaction.

    Smart Safe features include:
    • Note Validation – tracks and records each note while checking for counterfeits
    • Cash Tracking – deposits tracked by each user of the safe by Login ID
    • Reporting – various reports can be generated to streamline reconcilement
    • Connectivity – stores can provide online access to an armored car carrier and the bank

    Benefits of this technology:
    • Eliminates the employee risk of taking cash to a bank branch.
    • Can lower expenses associated with armored car services as frequency of pickups may be reduced.
    • If your bank has online access to the cash deposits they may be willing to provide you advanced availability even though the cash may still be sitting in the safe. If your business consists of managing large amounts of cash, get safe smart.

    Online Banking

    Convenient Capture Login

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    Hire Your First Employee #small #business #consulting

    #how to start a business

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    If your business is booming, but you are struggling to keep up, perhaps it’s time to hire some help.

    The eight steps below can help you start the hiring process and ensure you are compliant with key federal and state regulations.

    Step 1. Obtain an Employer Identification Number (EIN)

    Before hiring your first employee, you need to get an employment identification number (EIN) from the U.S. Internal Revenue Service. The EIN is often referred to as an Employer Tax ID or as Form SS-4. The EIN is necessary for reporting taxes and other documents to the IRS. In addition, the EIN is necessary when reporting information about your employees to state agencies. Apply for EIN online or contact the IRS at 1-800-829-4933.

    Step 2. Set up Records for Withholding Taxes

    According to the IRS, you must keep records of employment taxes for at least four years. Keeping good records can also help you monitor the progress of your business, prepare financial statements, identify sources of receipts, keep track of deductible expenses, prepare your tax returns, and support items reported on tax returns.

    Below are three types of withholding taxes you need for your business:

    • Federal Income Tax Withholding
      Every employee must provide an employer with a signed withholding exemption certificate (Form W-4) on or before the date of employment. The employer must then submit Form W-4 to the IRS. For specific information, read the IRS’ Employer’s Tax Guide [PDF].
    • Federal Wage and Tax Statement
      Every year, employers must report to the federal government wages paid and taxes withheld for each employee. This report is filed using Form W-2, wage and tax statement. Employers must complete a W-2 form for each employee who they pay a salary, wage or other compensation.

    Employers must send Copy A of W-2 forms to the Social Security Administration by the last day of February to report wages and taxes of your employees for the previous calendar year. In addition, employers should send copies of W-2 forms to their employees by Jan. 31 of the year following the reporting period. Visit SSA.gov/employer for more information.

    • State Taxes
      Depending on the state where your employees are located, you may be required to withhold state income taxes. Visit the state and local tax page for more information.

    Step 3. Employee Eligibility Verification

    Federal law requires employers to verify an employee’s eligibility to work in the United States. Within three days of hire, employers must complete Form I-9, employment eligibility verification, which requires employers to examine documents to confirm the employee’s citizenship or eligibility to work in the U.S. Employers can only request documentation specified on the I-9 form.

    Employers do not need to submit the I-9 form with the federal government but are required to keep them on file for three years after the date of hire or one year after the date of the employee’s termination, whichever is later.

    Employers can use information taken from the Form I-9 to electronically verify the employment eligibility of newly hired employees by registering with E-Verify .

    Visit the U.S. Immigration and Customs Enforcement agency’s I-9 website to download the form and find more information.

    Step 4. Register with Your State’s New Hire Reporting Program

    All employers are required to report newly hired and re-hired employees to a state directory within 20 days of their hire or rehire date. Visit the New Hires Reporting Requirements page to learn more and find links to your state’s New Hire Reporting System.

    Step 5. Obtain Workers’ Compensation Insurance

    All businesses with employees are required to carry workers’ compensation insurance coverage through a commercial carrier, on a self-insured basis or through their state’s Workers’ Compensation Insurance program.

    Step 6. Post Required Notices

    Employers are required to display certain posters in the workplace that inform employees of their rights and employer responsibilities under labor laws. Visit the Workplace Posters page for specific federal and state posters you’ll need for your business.

    Step 7. File Your Taxes

    Generally, employers who pay wages subject to income tax withholding, Social Security and Medicare taxes must file IRS Form 941, Employer’s Quarterly Federal Tax Return. For more information, visit IRS.gov .

    New and existing employers should consult the IRS Employer’s Tax Guide to understand all their federal tax filing requirements.

    Step8. Get Organized and Keep Yourself Informed

    Being a good employer doesn’t stop with fulfilling your various tax and reporting obligations. Maintaining a healthy and fair workplace, providing benefits and keeping employees informed about your company’s policies are key to your business’ success. Here are some additional steps you should take after you’ve hired your first employee:

    Set up Recordkeeping

    In addition to requirements for keeping payroll records of your employees for tax purposes, certain federal employment laws also require you to keep records about your employees. The following sites provide more information about federal reporting requirements:

    Complying with standards for employee rights in regards to equal opportunity and fair labor standards is a requirement. Following statutes and regulations for minimum wage, overtime, and child labor will help you avoid error and a lawsuit. See the Department of Labor’s Employment Law Guide for up-to-date information on these statutes and regulations.





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    Business First Greater Richmond #business #school #ranking

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    We re Here to Help Your Business

    We identify your needs connect you with resources.

    We have lots of resources available to help businesses. And if we can t help you directly, chances are we know who can. What can we do for you today?

    • Hiring workforce training
    • Financing
    • Real Estate
    • Operations planning management
    • Investment hiring incentives
    • Downsizing Management
    • and much more!

    Free Confidential

    because we re managed by a non-profit

    Business First Greater Richmond is funded by public and private investors. Our confidential services are offered at no charge and we leave all the profit-making to you. When your business succeeds, we succeed.

    A strong business community is the key to an amazing life in Greater Richmond.

    Businesses are the backbone of our community. Strong businesses create a strong economy and improve everyone s quality of life. Our goal is to grow the regional economy by helping you prosper.

    The Business First Visit

    So you’ve decided to participate in a Business First visit. We’re looking forward to talking to you!

    This is a great oppurtunity to voice your opinion, connect with resources that might help your business today, and form a lasting relationship with your local economic development department for any needs that may arise in the future.

    Business First | Greater Richmond is a program supported by the Greater Richmond Partnership, Inc. in collaboration with the economic development offices of Chesterfield, Hanover, Henrico and the City of Richmond.

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    Business – First Capital Bank of Kentucky – Louisville, KY #unsecured #business #loan

    #business first louisville

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    Allow the business expertise of First Capital Bank to be your most important financial resource. We work with our clients to develop a keen understanding of their businesses and personal lives, as they are often closely interwoven. We can then evaluate financial hurdles and opportunities intelligently, recommending solutions that make sense on a personal and professional level. We respond to our business customers by designing an approach that asks the right questions and provides the solutions necessary to meet the unique needs dictated by today s changing business climate. Allow our experienced, knowledgeable and highly qualified team to provide you with the most responsive financial products and services available to you and your business. Check out our options, use our helpful financial tools, and schedule a visit with us today. We re eager to help you get started.

    Contact Us

    Thank you for your interest in First Capital Bank of Kentucky. We strive to make ourselves available to you, via email, telephone, postal mail and in person at any of our branch locations. or use the secure form found on our Contact Us page.

    First Capital Bank of Kentucky
    293 N. Hubbards Lane
    Louisville, KY 40207





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