A8 EDU
1
ducation E Thursday, June 24, 2010 The Brownsville States-Graphic page A8 Corner Corner Katherine Horn Walter Battle County Director Walter Dirl 4-H Agent Tiffany Thomas 4-H Agent Travis Wade 4_H Program Assistant Tennille Short Family Consumer Science (FCS) Agent Sharon Sparks FCS Program Assistant Peggy Jackson Family Resource Center Programs CTE.JSCC.EDU 800-355-JSCC | 731-424-3520 THIS AD WAS FUNDED BY FUNDS RECEIVED UNDER TITLE I OF THE CARL D. PERKINS CAREER AND TECHNICAL EDUCATION ACT OF 2006. Patty Hopper is still grooming in Brownsville. She is now located at Dr. Butler’s Brownsville Veterinary Clinic 1218 Anderson Avenue Call 772-0456 BANKRUPTCY 1-800-748-9889 Walker, Walker & Walker, PLC Ken Walker Richard Walker 2 Locations To Serve You: Jackson & Lexington We are a debt relief agency. We help people file for bankruptcy relief under the bankruptcy code. There are only a few more weeks left for the “Make A Splash, Read” Summer Reading pro- gram. Keep reading and keep filling out those book logs! We are having some great fun here at the li- brary during summer. Join us on Thursdays for “Make A Splash, Read”!! For all you adults out there – there is a reading contest for you too! No registration or book logs required. All you have to do is after reading a book, fill out a “How I Liked This Book” form found at the circulation desk, and drop it into the draw- ing box. We will have a drawing at the end of June and again at the end of July. Let’s all read! It is so much fun! It is way too hot to stay outdoors very long, so come into the air-conditioned li- brary and get a few good books to read!!!! Speaking of good books, here is a partial list of some of the new titles we have received lately: “Lotus Eaters” (CD) by Tatjana Soli “Lucid Intervals” (CD) by Stuart Woods “Faster Pastor” by Sheryn McCrumb “The 9 th Judgment” by James Patterson “Burned” by P. C. Cast “Dead in the Family” by Charlaine Harris “State Fair” by Earline Fowler “Teaching a Pig to Dance” by Fred Thomp- son “Cross Roads” by Fern Michaels We have lots of books to choose from. If some of the above named titles don’t appeal to you, you can always ask one of the librarians for assistance in finding just the right book for you. The library will be closed Monday, July 5 in observance of Indepen- dence Day. Happy Reading! By Walter Battle These are adapted from tips by a retiring University of Virginia, Agriculture Business Management Special- ist, Bill Whittle. He recently put out the top 11 pitfalls in farm- ing operations he had witnessed over his ca- reer. Our own Farm Management Special- ist, Chuck Danehower provided these pitfalls in the recent UT Crops IPM Newsletter. I felt the information was pertinent to all small businesses as well. 1) Not knowing your break-even margin: BEM, or what price you must get to make a profit. Every manage- ment decision must be weighed against how it affects your BEM. Too few business owners know their break-even margin and if you do not know yours you are sadly probably in the majority. 2) No plan for trans- ferring the business to the next generation: Life happens, but with- out adequate planning and preparation it may not happen the way you desire. Transition- ing the business is a long-term, on-going and arduous process encompassing every segment of the business and family. You need to start early, involve ev- eryone, and modify as life provides changes. 3) Inadequate finan- cial recordkeeping: If you keep your finan- cial records only for tax preparation, Uncle Sam appreciates your efforts but you have given up a management tool for determining BEM and therefore making profit- able decisions. Without adequate records for making decisions your outcomes are based on guesses and wishes. 4) Lack of a clearly defined business plan: Many business owners are great at planning day-to-day production activities but long-term plans get lost in the ev- eryday work. Stocking supplies, keeping up- to-date equipment, and selling products must happen, but determin- ing how each cog re- lates to profitability will keep you in business for the next generation. 5) Lack of Commu- nication: Some small business owners tend to be uncommunicative, but family businesses have many official and unofficial partners with a stake in the business. It is important to keep these partners (spouse, children, employees, lender, equipment deal- er, supplier, etc.) aware of what you are doing at least to the level of their involvement. 6) Avoiding or defer- ring taxes: The desire to not pay taxes leads to tax decisions that may have long-term nega- tive implications rath- er than decisions that manage for long-term profitability. Many often forget that the tax bill will come due sometime in the future. 7) Lack of financial reserves: Both business- es and families lack the financial reserves nec- essary to make weath- ering tough times less difficult. Economic downturns changes the landscape and busi- nesses must have re- serves that they can use in conjunction with tools provided by their lender to remain in op- eration. 8) Not managing family living expenses: The family can be a black hole in sucking up money. The only way to manage that black hole is to know what it costs your family to live and then to manage your resources. 9) Following other businesses: Businesses are different and the factors that drive your neighbor’s decisions are not the same fac- tors you deal with. Why should you follow them? They did not get to be successful follow- ing others. 10) Jumping on the latest/newest/hottest enterprise: The learn- ing curve for new en- terprises is steep and expensive. A lot of homework needs to be done before launch- ing a new enterprise, and it is rare to see that homework done. Be- cause an enterprise is successful somewhere does not mean you can make it work here, but the reverse is also true. The right idea, coupled with the right resources, markets, and manage- ment traits are essential in raising an idea from the kitchen table to a profitable enterprise. 11) Not training the next generation: Busi- ness owners are good at teaching the young- er generation about production but less so about financial man- agement. This has a lot to do with a lack of communication, murky long-term plans, and an unwillingness to share control. If the business is going to survive for generations, that train- ing must occur. Top Eleven Mistakes of Small (Family) Businesses Durin g its spring 2010 commencement exercises, Bethel University awarded the following degrees: Bachelor of Science to Georgia E. Robinson of Brownsville and Whitney Brooke Taylor (Cum Laude) of Stanton. Mater of Business Administration was awarded to Michael Lee Jones of Brownsville. Headquartered in McKenzie, Bethel University is a four-year school affiliated with the Cumberland Presbyterian Church. It offers both bachelor and master’s degrees through a number of teaching platforms, and it has Tennessee satellite locations in Jackson, Clarksville, Nashville, Memphis and Chattanooga. For more information about Bethel University, go to www. bethelu.edu. Bethel University awards degrees Emily Watson was the lucky student at Anderson’s last Awards/Pep Rally. One member of the Principal’s Club is chosen each six weeks to receive a bicycle, which is provided by the Rotary Club and Brownsville Police Department. Congratulations, Emily!!! Whitney Taylor of Stanton achieved the Honor Roll at Bethel Uni- versity for spring semes- ter 2010. To qualify for the Honor Roll, a traditional student must have com- pleted 12 or more hours simultaneously of aca- demic work with an aver- age of 3.70 or above with no grade below a “C.” Headquartered in McKenzie, Bethel Uni- versity is a four-year school affiliated with the Cumberland Presbyte- rian Church. It offers both bach- elor’s and master’s de- grees through a number of teaching platforms including classroom and online, and it has satel- lite locations in Jackson, Clarksville, Nashville, Memphis and Chattanoo- ga. For more information about Bethel University, go to www.bethelu.edu. Taylor achieves honor roll at Bethel University Call 772-1172 to Subscribe to Brownsville States-Graphic
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Patty Hopper is still grooming in Brownsville. She is now located at Dr. Butler’s Brownsville Veterinary Clinic 1218 Anderson Avenue Call 772-0456 Walter Battle County Director Walter Dirl 4-H Agent Tiffany Thomas 4-H Agent Travis Wade 4_H Program Assistant Tennille Short Family Consumer Science (FCS) Agent Sharon Sparks FCS Program Assistant Peggy Jackson Family Resource Center Programs Ken Walker Richard Walker Thursday, June 24, 2010 The Brownsville States-Graphic By Walter Battle
Transcript of A8 EDU
ducationEThursday, June 24, 2010
The Brownsville States-Graphic
page A8
CornerCorner Katherine Horn
Walter Battle County DirectorWalter Dirl 4-H AgentTiffany Thomas 4-H AgentTravis Wade 4_H Program AssistantTennille Short Family Consumer Science (FCS) AgentSharon Sparks FCS Program AssistantPeggy Jackson Family Resource Center Programs
CTE.JSCC.EDU800-355-JSCC | 731-424-3520
TH
IS A
D W
AS
FU
ND
ED
BY
FU
ND
S R
EC
EIV
ED
UN
DER T
ITLE
I O
F T
HE C
ARL
D.
PERK
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00
6.
Patty Hopperis still grooming in
Brownsville. She is now located at Dr. Butler’s Brownsville Veterinary
Clinic1218 Anderson Avenue
Call 772-0456
BANKRUPTCY1-800-748-9889Walker, Walker
& Walker, PLCKen Walker Richard Walker
2 Locations To Serve You:Jackson & Lexington
We are a debt relief agency. We help people filefor bankruptcy relief under the bankruptcy code.
There are only a few more weeks left for the “Make A Splash, Read” Summer Reading pro-gram. Keep reading and keep filling out those book logs!
We are having some great fun here at the li-brary during summer. Join us on Thursdays for “Make A Splash, Read”!!
For all you adults out there – there is a reading contest for you too! No registration or book logs required. All you have to do is after reading a book, fill out a “How I Liked This Book” form found at the circulation desk, and drop it into the draw-ing box. We will have
a drawing at the end of June and again at the end of July. Let’s all read! It is so much fun! It is way too hot to stay outdoors very long, so come into the air-conditioned li-brary and get a few good books to read!!!!
Speaking of good books, here is a partial list of some of the new titles we have received lately:
“Lotus Eaters” (CD) by Tatjana Soli
“Lucid Intervals” (CD) by Stuart Woods
“Faster Pastor” by Sheryn McCrumb “The 9th Judgment” by James Patterson
“Burned” by P. C.
Cast“Dead in the Family”
by Charlaine Harris“State Fair” by Earline
Fowler“Teaching a Pig to
Dance” by Fred Thomp-son
“Cross Roads” by Fern Michaels
We have lots of books to choose from. If some of the above named titles don’t appeal to you, you can always ask one of the librarians for assistance in finding just the right book for you.
The library will be closed Monday, July 5 in observance of Indepen-dence Day.
Happy Reading!
By Walter Battle
These are adapted from tips by a retiring University of Virginia, Agriculture Business Management Special-ist, Bill Whittle. He recently put out the top 11 pitfalls in farm-ing operations he had witnessed over his ca-reer. Our own Farm Management Special-ist, Chuck Danehower provided these pitfalls in the recent UT Crops IPM Newsletter. I felt the information was pertinent to all small businesses as well.
1) Not knowing your break-even margin: BEM, or what price you must get to make a profit. Every manage-ment decision must be weighed against how it affects your BEM. Too few business owners know their break-even margin and if you do not know yours you are sadly probably in the majority.
2) No plan for trans-ferring the business to the next generation: Life happens, but with-out adequate planning and preparation it may not happen the way you desire. Transition-ing the business is a long-term, on-going and arduous process encompassing every segment of the business and family. You need to start early, involve ev-eryone, and modify as life provides changes.
3) Inadequate finan-cial recordkeeping: If you keep your finan-cial records only for tax preparation, Uncle Sam appreciates your efforts but you have given up a management tool for determining BEM and therefore making profit-able decisions. Without adequate records for making decisions your outcomes are based on guesses and wishes.
4) Lack of a clearly defined business plan: Many business owners are great at planning day-to-day production activities but long-term
plans get lost in the ev-eryday work. Stocking supplies, keeping up-to-date equipment, and selling products must happen, but determin-ing how each cog re-lates to profitability will keep you in business for the next generation.
5) Lack of Commu-nication: Some small business owners tend to be uncommunicative, but family businesses have many official and unofficial partners with a stake in the business. It is important to keep these partners (spouse, children, employees, lender, equipment deal-er, supplier, etc.) aware of what you are doing at least to the level of their involvement.
6) Avoiding or defer-ring taxes: The desire to not pay taxes leads to tax decisions that may have long-term nega-tive implications rath-er than decisions that manage for long-term profitability. Many often forget that the tax bill will come due sometime in the future.
7) Lack of financial reserves: Both business-es and families lack the financial reserves nec-essary to make weath-ering tough times less difficult. Economic downturns changes the landscape and busi-nesses must have re-serves that they can use in conjunction with tools provided by their lender to remain in op-eration.
8) Not managing family living expenses: The family can be a black hole in sucking up money. The only way to manage that black hole is to know what it costs your family to live and then to manage your resources.
9) Following other businesses: Businesses are different and the factors that drive your
neighbor’s decisions are not the same fac-tors you deal with. Why should you follow them? They did not get to be successful follow-ing others.
10) Jumping on the latest/newest/hottest enterprise: The learn-ing curve for new en-terprises is steep and expensive. A lot of homework needs to be done before launch-ing a new enterprise, and it is rare to see that homework done. Be-cause an enterprise is successful somewhere does not mean you can make it work here, but the reverse is also true. The right idea, coupled with the right resources, markets, and manage-ment traits are essential in raising an idea from the kitchen table to a profitable enterprise.
11) Not training the next generation: Busi-ness owners are good at teaching the young-er generation about production but less so about financial man-agement. This has a lot to do with a lack of communication, murky long-term plans, and an unwillingness to share control. If the business is going to survive for generations, that train-ing must occur.
Top Eleven Mistakes of Small (Family)
Businesses
Durin g its spring 2010 commencement exercises, Bethel University awarded the following degrees: Bachelor of Science to Georgia E. Robinson of Brownsville and Whitney Brooke Taylor (Cum Laude) of Stanton. Mater of Business Administration was awarded to Michael Lee Jones of Brownsville.
Headquartered in McKenzie, Bethel
University is a four-year school affiliated with the Cumberland Presbyterian Church. It offers both bachelor and master’s degrees through a number of teaching platforms, and it has Tennessee satellite locations in Jackson, Clarksville, Nashville, Memphis and Chattanooga. For more information about Bethel University, go to www.bethelu.edu.
Bethel University awards degrees
Emily Watson was the lucky student at Anderson’s last Awards/Pep Rally. One member of the Principal’s Club is chosen each six weeks to receive a bicycle, which is provided by the Rotary Club and Brownsville Police Department. Congratulations, Emily!!!
Whitney Taylor of Stanton achieved the Honor Roll at Bethel Uni-versity for spring semes-ter 2010.
To qualify for the Honor Roll, a traditional student must have com-pleted 12 or more hours simultaneously of aca-demic work with an aver-age of 3.70 or above with no grade below a “C.”
Headquartered in McKenzie, Bethel Uni-versity is a four-year school affiliated with the Cumberland Presbyte-rian Church.
It offers both bach-elor’s and master’s de-grees through a number of teaching platforms including classroom and online, and it has satel-lite locations in Jackson,
Clarksville, Nashville, Memphis and Chattanoo-ga. For more information about Bethel University, go to www.bethelu.edu.
Taylor achieves honor roll at Bethel University
Call 772-1172 to Subscribe
to Brownsville States-Graphic
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