Maximum Business Aug/Sep 2015

business MAXIMUM

The Voice of Business in the Whitewater Valley

AUGUST-SEPTEMBER 2015 Find this section at www.pal-item.com

TECH HELP 5 secrets to make you fall in love with Windows 10, Page 9 Free helpful apps for your small company, Page 10

BUSINESSES OFFER SUMMER

FUN Toy store hopes to inspire community change with charitable project, Page 3

Owners enjoy providing ice cream, outdoor games, family entertainment, Page 4

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ummer is a time for relaxation and rejuvenation.

The season also offers opportunities for entrepreneurs, such the local Dairy Queen eateries and outdoor recreation at Richmond Putt-Putt and Marker’s Wally World in Liberty, Ind. And a business known for year-round fun is providing a way for the community to give back each month with some toys as incentives. Veach’s Toy Station is offering its Community Change Initiative. Learn more inside this issue.

INDEX Page 3..... Toy store owners hope to inspire community change with giveaways, collections for charity Page 4..... Businesses with ice cream, mini golf, go-kart racing offer summer fun and jobs Page 7..... 3 ways to regain your business passion Page 8..... Migration to EMV chip card technology can affect your small business Page 9..... 5 secrets to make you fall in love with Windows 10 Page 10..... Free killer apps for your small business Page 11..... A humorous take on a glitch with insurance Page 12..... Find security with a solid retirement plan Page 13..... Calendar of upcoming events, opportunities Pages 14-15..... Photos of local ribbon-cuttings, donations

CHAMBER COLUMN

CHAMBER OFFERS FARM TOUR WITH BOWMAN SUPERIOR GENETICS When considering what to write about for this article, my first instinct was to write about some of the groups and organizations that make the best of the warm weather.

I considered writing about many deserving topics such as the Depot District Associations’ festivals, green spaces like the Cardinal Greenway and city parks, or summer education programs like the Third Grade Academy.

I was beginning to look into Sprout of Control, a community garTREVOR dening project, when it OAKERSON hit me: I should write about agriculture.

In Indiana, agriculture is clearly a key economic force. In 2014, Indiana produced nearly $4 billion in corn and more than $3 billion in soybeans.

In Wayne County during 2014, the average yield of corn was around 185 bushels per acre. Likewise, the average yield of soybeans was around 57 bushels per acre.

We recognize the importance of agriculture at the Wayne County Area Chamber of Commerce.

The Agribusiness Committee, composed of volunteers from a variety of businesses and with a variety of agricultural experiences, has been diligently working at monthly meetings

to expand awareness of this key sector of business in our community.

One of the initiatives that the Agribusiness Committee is pleased to present to the community is the upcoming free Chamber Farm Tour on Sept. 29 at Bowman Superior Genetics in Greens Fork, Ind. The tour, from from 5:30 to 7:30 p.m., will include an overview of the facilities, some history of the farm, and discussion of new technology and conservation techniques. Following the tour will be a meal provided by Hometowne Dining Company.

For more information about the Chamber Farm Tour, please contact the Chamber at (765) 962-1511 or visit ChamberFarmTour.Eventbrite.com For more information about the Chamber and other upcoming Chamber events, such as the Community Improvement Awards on Sept. 17 and the Taste of Wayne County on Oct. 8, you can visit WCareaChamber.org.

Trevor Oakerson is director of marketing and membership for Wayne County Area Chamber of Commerce.

JOSHUA SMITH/PALLADIUM-ITEM FILE

Guests go through a line to get food during a farm tour organized by Wayne County Area Chamber of Commerce. This year’s free tour takes place Sept. 29.

Melissa Vance

Chamber hires director of education and events Melissa Vance has joined the Wayne County Area Chamber of Commerce as its new director of education and events.

Vance is a graduate of Centerville High School and Indiana Wesleyan University and was most recently an events and communications coordinator at Reid Foundation.

In addition, she is a board member of the Richmond Symphony Orchestra and Wayne County Communities in Schools, serving as marketing chair for both.

Vance will be responsible for managing the several large events for the Chamber, including the Community Improvement Awards, the Taste of Wayne County and the Chamber Annual Dinner.

Vance will also coordinate Chamber networking events and business-education programs.

Amy Oler Holthouse, president and CEO of the Chamber, said, “We are excited to have Melissa with us. Her experiences and connections will allow us to continue to provide the area with high quality events.”

For more information about joining or volunteering with the Chamber, visit wcareachamber.org or call (765) 962-1511.

FUN JOBS

VEACH’S HOPES TO INSPIRE COMMUNITY CHANGE

By Millicent Martin Emery mmartin@pal-item.com

www.pal-item.com § Maximum Business §Palladium-Item Media Group, AUGUST/SEPTEMBER 2015

Toys are fun. They can change a kid’s perspective, but they can also change the community.

Shari and John Veach have developed a fundraiser called Veach’s “Community Change Initiative.”

Shoppers at Veach’s Toy Station can donate any amount they wish to a featured charity each month.

As a thank-you, they’ll be entered into a drawing to win a toy the store has selected for the promotion. No purchase of toys is necessary to participate.

Shari said she and John want to strengthen community partnerships, and they see great community need.

Charities that have been featured include Community Food Pantry, Hayes Arboretum, Richmond Art Museum and The Centerville Playground.

Second Helpings, which provides some summer meals for children, is the featured August charity. The winner will receive a basket of toys and a $50 Veach’s gift certificate.

Some of the toys given away earlier this year include a kitchen set, two lemonade stands, an art easel, and a plasma car.

“We are thankful to the community for supporting us for 77 years so far, so we are happy to give back,” Shari said.

She hopes donations grow for the project as awareness increases.

Shari said she has been pleasantly surprised by the gratitude expressed by the not-for-profits the store has highlighted. The art museum donated a gift certificate to be given away as part of the prize the month it was featured.

“Donation requests come in daily, and although we would love to have the resources to help everyone who asks, it just isn’t possible,” Shari said. “This is a way to connect with not-for-profits who are doing good work in the community, and we’re inviting our customers to connect with them, too.”

The Veaches hope to continue the project in 2016.

Shari said the Community Change Initiative name has a three-part meaning.

It represents community change as in the monies that are collected. It

LOUISE RONALD/ PALLADIUM-ITEM FILE

Shari and John Veach ring up a sale for customer Nancy Haisley of Richmond.

JOSHUA SMITH / PALLADIUM-ITEM

Toys and games for all ages can be found at Veach’s Toy Station at 715 E. Main St.

LEARN MORE To learn more about Veach’s Community Change Initiative, visit 715 E. Main St., go online to www.veachstoystation.com or call (765) 962-5761

also stands for helping to create positive community change through the work of the not-for-profits.

Shari said it also encompasses the initiative of involving customers and connecting them to the highlighted community asset.

She said in the future, they might challenge other businesses to join the store or do their own community change initiative.

The Veaches also hope the Community Change Initative helps children learn to be involved in the community in various ways, such as giving back, being aware of good work being done and being aware of local assets and organizations.

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FUN JOBS

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BUSINESSES WITH ICE CREAM, MINI GOLF, GO-KART RACING OFFER

SUMMER FUN AND JOBS

By Ron Greeson

T

hey are longtime summer businesses, traditional in their appeal, and large in the visibility and mindset of area residents for many, many years.

The opening of these specialized enterprises signals warmer weather, summer fun, and memorable experiences with families and friends.

Three such businesses are Richmond Putt-Putt and Games, the three Richmond Dairy Queen locations, and Marker’s Wally World south of Liberty.

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ting cages are like what they always were,” he said.

Craig Brown has been working at The Snack Shack also offers Richmond Putt-Putt for many years, treats. and owns the local franchise with a “I think the late 1990s were the partner from northeast Indiana. greatest times,” Brown said. “We Brown calls the local business even had mini golf shows on televi“kind of a retro business, and I have sion, and a few expert players even never thought that changing anyplayed full-time at professional tourthing would help the business.” naments.”

Most customers, old or new, While those days are gone, after would surely agree. economic and cultural changes, In fact, Brown reports that he still there is a core of business for the sees regular customers who have local location, even in what has been come to eastside Richmond for years a tough summer, weather-wise. to play miniature golf here, weekend “The rainy summer has really after weekend. hurt us this year,” Brown said. “We “This is an activity that anybody have had to power wash more than can do, and it remains pretty much usual, and the cloudy and rainy days, as it was when I bought the busiparticularly on the weekends, have ness,” he said. hurt us. There has been more mold The business is located at 410 to deal with, due to the amount of Commerce Road, just north of a rain.”

McDonald’s location and some other Still, a professional Putt-Putt businesses near Interstate 70. event will take place here Oct. 2-3.

Years ago, there were more than Putt-Putt is open from April to the 400 Putt-Putt locations in Indiana end of October, but it has reduced and around the country, according to hours now. Through Sept. 6, the Brown. course is open 3-9 p.m. Mondays But now only a handful remain in through Thursdays, 10 a.m. to 10 p.m. the Hoosier state, and about 60 naFridays and Saturdays and noon to 9 tionally, Brown estimates. p.m. Sundays. Labor Day hours are “Still, the base of our business is 10 a.m. to 9 p.m.

See SUMMER, Page 6 the same, and our mini golf and bat-

RICHMOND PUTT-PUTT

PHOTOS BY JOSHUA SMITH/PALLADIUM-ITEM

Olivia Bradley watches as she plays miniature golf at Richmond Putt-Putt and Games.

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FUN JOBS

Summer

for the season.

“It is a business that takes a lot of work, but customers have been great to us over the years, and continue to be loyal,” Johnston said.

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Continued from Page 4

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From Sept. 8 to Oct. 25, the course is open from noon to 10 p.m. Fridays and Saturdays and noon to 9 p.m.

Sundays.

“We have already been open and operating much longer than many businesses of this type, and locations in the state have been able to sustain,” Brown said. “It has been a great business for our family, and we have employed lots of kids and other people over the years.”

MARKER’S WALLY WORLD

RICHMOND DAIRY QUEEN

Barry Johnston has been a longtime owner of the three Dairy Queen locations in Richmond.

An institution for summertime culinary treats, Johnston’s three locations have been here for around half a century. He has owned them since the 1980s.

And in an era of drive-thrus and enclosed dining room areas, the local DQ restaurants still feature walk-up outside windows, and parking lots for cars, where many enjoy their purchases.

Why the longtime local success?

“I have great employees at my stores, and I still put money back in the business,” he said of the consistent approach that he thinks is the key. “The employees and people who deal with customers at the windows, they make or break the business every day, and as a business owner, I put in a lot of hours as well.”

Johnston has resisted making many product and building changes to his stores.

“I think the feeling of nostalgia is part of what keeps customers returning to our restaurants,” Johnston said. “It is important to try and keep your help, and we have been able to keep some of our people for a long time. We employ 30 to 35 people at the peak of our summer season, which is usually in July.”

Bill Lingle was the local businessman who originally brought DQ to Richmond, looking at the franchise in the late 1950s. The first store was built by 1960, Johnston said.

Johnston bought his first Richmond Dairy Queen in 1980, then added a second in 1985 and the third in 1987.

“We typically open in late February, and the business slows into Sep-

Customers wait in line on South Ninth Street for their first Dairy Queen treat of the year as the business opens for the season.

tember and October, which is when we close,” he said.

Over the years, he says the Blizzard (ice cream blended with candy or other sweet treats) is probably the most popular item sold.

But customers also like the Sloppy Joe sandwiches, also called “Wimpies.” Homemade ground beef

items are very popular.

“DQ is 17th worldwide in total restaurant sales, and the company has around 4,600 locations, so it is doing very well everywhere,” Johnston said.

Many in the area look forward every year to the late winter day when the local Dairy Queens open

PHOTOS BY JOSHUA SMITH/PALLADIUM-ITEM FILE

A customer drives a go-kart at Marker's Wally World in Liberty, Ind.

Down in Union County, Duane Marker and his family have operated Marker’s Wally World for nearly three decades.

Open from the first weekend of May until late September, Wally World provides go-kart racing, batting cages,boat and tank tag, a large slide, mini golf and more.

It has been mostly family run for much of its existence.

Marker has also run a retail power equipment store for the past 21 years, along with his 28 years with Wally World.

Marker’s Wally World draws many customers from Whitewater Memorial State Park, Brookville Lake, and residents from across the region. It’s found at 1212 S. Indiana 101 just south of Liberty, Ind. “We call ourselves a Family Fun Center, and we have customers now that worked here, or came here as kids, that now bring their own kids,” Marker said. “It is with a sense of pride for us that we have that, and this business has lasted a long time, especially for a business of this type, which often don’t last a long time.”

He cites the tremendous success of Wally World in the early days.

“We were open seven days a week in the 1990s, and once had as many as 28 employees,” Marker explained.

“Now we only need six or seven employees.”

And this summer’s rainy, wet and cloudy weather did not help, especially some rainy Fridays.

“This business is very much weather-related, and along with the economy of the region, and with the popularity of home gaming and the like, people often now stay home for the same feeling they can get coming here,” Marker said.

Current hours are noon to 8 p.m.

Saturday and noon to 7 p.m. Sunday.

“My kids worked here when they were young, and they are all older and away now,” he said. “We have had a long run here, and will close on Sept. 20 for the year. We encourage people to come out for the rest of the 2015 season, and hope to see our loyal customers again very soon.”

To learn more, call (765) 458-7229 or visit http://www.wally world-markers.com.

FUN JOBS

3 WAYS TO REGAIN YOUR BUSINESS PASSION It’s the middle of summer, and you’re stuck behind your desk — working and sweating — while your friends’ Facebook feeds are filled with pictures of them happily enjoying a drink on some beach. It’s no wonder you’ve lost that loving feeling for your own business.

Falling out of love with your small business can happen any time, not just in summer. Most entrepreneurs find they hit a period when they’ve RHONDA lost their momentum ABRAMS and feel like they’re in a rut.

How do you fall back in love with your business and get back to where you once belonged? It’s time to get reunited.

Think back to when you first started your business: Âť What was your original business idea? Âť How did you come up with it? Âť What problem were you trying to solve? Âť What opportunity were you trying to seize? Âť What excited you about it?

Getting back in touch with what you loved about your business in the first place may help reignite your spark. You have goals and aspirations — let’s bring those to the forefront again. Or, you may be reminded of ideas you had for your business that you set aside during your day-to-day efforts to keep everything running

3. Emulate your role models

smoothly. Maybe it’s time to dust those off and try some new approaches.

2. Reassess your personal goals

In addition to what you wanted to achieve for your business, you were almost certainly motivated by personal goals when you began your business. You may have lost touch with those or feel like you’re not achieving them quickly enough.

For instance, my first clients owned a fashion design company. The two founders were motivated by wanting to be creative, but over the years they were doing administrative tasks almost exclusively, and their staff was doing the creative work.

They needed to re-focus on their orig-

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“What would Sheryl do?� Reminding yourself of your role models can help create a powerful vision for yourself and re-energize you when you’ve lost steam. If your business hero is Steve Jobs or Elon Musk, it might reconnect you with your desire to be innovative. If your role model is Sheryl Sandberg, she might be an inspiration for building a collaborative, highly successful company. Or perhaps you’d like to be like your sister who’s been self-employed for 10 years yet goes to all her kids’ soccer games and PTA meetings?

Our role models don’t all have to be famous. Or rich. They can be those GETTY IMAGES/FUSE who have found ways to live the kind of lives we’d like to have or to make inal personal motivation to get rethe type of mark we’d like to make on energized. the world.

Most entrepreneurs’ personal goals Whether you’re just starting out in can be summed up by the Four Cs: business or you’ve been in business  Creativity: If being creative is for years, try this exercise: what gets you motivated, remain  1. Think about an entrepreneur closely involved in the creative asyou admire. pects of your business.  2. Jot down the traits you admire  Control: If you’re driven by a in that person. need for control, structure systems to  3. Brainstorm how you can inensure that you have sufficient incorporate those traits into your life formation about all developments in and your business. your company Any relationship can get a bit stale,  Challenge: If you have a high even the relationship of an entrepreneed for challenge, establish goals neur to his or her own company. It’s that provide you with sufficient stim- time to get out from behind that desk ulation, while maintaining the health and give yourself a date night or a of your business. Otherwise, you may vacation to remind yourself what find yourself continually starting new inspires you and what made you fall projects that divert your attention. in love with your small business in the  Cash: Every entrepreneur wants first place.

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TECHNOLOGY TIPS

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Migration to EMV chip card technology can affect your small business U.S. credit card companies are making the transition from magnetic stripe technology to cards with chips.

Chip cards are payment cards that have an embedded chip, offering increased security when your customers use the chip to pay in SHARON store.

HARVEY Chip cards are based on a global card payment standard called EMV, which stands for Europay, MasterCard and Visa, currently used in

MILLICENT MARTIN EMERY / PALLADIUM-ITEM

more than 80 countries around the world. The United States is now in the process of making the migration

to EMV technology.

In an effort to reduce fraud, EMV Chips are becoming the standard for integrated circuit cards, IC card capable point-of-sale terminals, and automated teller machines.

Chip card transactions offer advanced security for in-store payments by making every transaction unique. compliant in certain fraudulent Chip cards are also much harder transactions. to counterfeit or copy. If the card The U.S. Small Business Adminidata and one-time card are stolen, stration (SBA) is committed to makthe information cannot be used to ing sure small business owners uncreate counterfeit cards and commit derstand what this transition means fraud. for you, your business, and your For merchants and financial incustomers through webinars, online stitutions, the switch to EMV means resources, and in-person events. adding new in-store technology and SBA and Square have teamed up internal processing systems. to offer free help to small businessTo get chip-enabled for your busi- es across the country navigate the ness, contact your payment services upcoming transition to EMV chip provider. card technology.

The switch to EMV also means a Topics covered include what the change in liability for credit card transition to EMV chip card technolfraud. Today, if an in-store transogy means for small businesses; action is conducted using a counter- what EMV chip card technology is feit, stolen or otherwise comproand why it’s more secure; and how to mised card, consumer losses from prepare for new fraud liability rules that transaction generally fall back impacting merchants beginning Oct. on the payment processor or issuing 1. bank, depending on the card’s terms Log on to www.sba.gov/in for and conditions. more information and upcoming Beginning Oct. 1, 2015, a deadline webinars or contact the SBA Indiana set by major U.S. credit card issuers District Office at (317) 226-7272. including MasterCard, Visa, DiscovSharon Harvey is public affairs specialist er and American Express, the liabilfor the U.S. Small Business Administration ity for card-present fraud will shift Indiana District Office in Indianapolis. to whichever party is the least EMV-

TECHNOLOGY TIPS

5 SECRETS TO MAKE YOU FALL IN LOVE WITH

Windows 10 is finally here. If you Home, you’re getting them all, and hated Windows 8, you’re most likely you’re getting them automatically. in love with Windows 10. Of course, Microsoft wants its updates to you might still be waiting in line for work more like a website. Nobody your chance to download the upwonders what version of Amazongrade. Microsoft is rolling it out in .com they’re using or how to get the stages. Or you could also be latest patch. The only choices deciding whether you even you get now are whether you want to upgrade. New software want to defer updates (if you almost always has bugs to have Windows 10 Pro) that work out, and sometimes you aren’t essential for security just don’t know what to expect. and whether you want to Whether you’re on the fence install them and restart manabout Windows 10 or champing ually or automatically. at the bit to try it, here are five You can control your upKIM secret features that you need dates through the Settings KOMANDO to know: screen. Just click Start and » Customize Start menu. choose “Settings.” Almost On the whole, Windows 10 looks a lot everything you need to do to manage like Windows 7. The Start button is your system is in this window. Click back, and it opens up the Start menu, the “Update & security” icon, and instead of taking you to the touchselect the “Windows Update” tab. friendly Start screen. Even though Then click “Advanced Options.” If the mouse-and-keyboard users you have Windows 10 Pro, you’ll be weren’t crazy about the Start screen able to defer updates or enable Winwith those big, blocky live tiles, it dows 10 to automatically update other was actually pretty functional and Microsoft programs like Office. attractive.

It’s also possible to visit the old Windows 10 gives you the best of Control panel. both worlds. Now you can customize If you’re a long-time Windows the Start menu to look and work like user, you’ll be happy to know that the you want it to. You can tweak almost Control Panel is still around. You everything about it. Just click and don’t have to use Settings. You can drag the edges to make each live tile access the Control Panel by rightas big or as small as you want. clicking the Start button and selectAdding or removing programs, ing “Control Panel.” files, folders and live tiles is just as » Search Windows and more. easy. Right-click an icon and select You’ve been able to search through “Pin to Start” to add it to your Start files, folders and programs on Winmenu. Once it’s in there, you can dows forever. You can still do that, click and hold to drag it wherever but now it’s way smarter. Windows 10 you want it. You can also group icons search is powered by Cortana, Microtogether into categories. soft’s answer to Siri and Google Now. If you love live tiles, you can add Cortana will pop up the first time you them to the menu. If you hate them, use search. You can type your you can get rid of them quickly just searches or just use your voice. by right-clicking.

The more you use Cortana, the » Manage updates. If you’ve been more she learns about your habits following Windows 10 through its and preferences. Over time, she’ll get development, you’ve probably heard a lot better, and pretty soon she’ll be a lot of the controversy surrounding spot-on in figuring out exactly what the new update procedure. Gone are you want when you search. She’ll the days of picking and choosing predict your needs and offer you which updates you want and which solutions such as traffic or weather ones you don’t. With Windows 10 updates. It’s pretty cool, if also a bit

creepy.

If you don’t want to use Cortana, that’s OK too. Just click the “Not interested” button when she first appears. Or you can always change Cortana’s settings later by clicking the little gear-shaped icon to the left of the search area.

It also has an action center.

If you hated Windows 8, you’re most likely in love with Windows 10.

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WINDOWS 10

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TECHNOLOGY TIPS

FREE KILLER APPS FOR YOUR SMALL BUSINESS

By Rhonda Abrams

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Everyone loves getting something free, and if you run a small business, you certainly appreciate saving money. Fortunately, a whole lot of companies want to give you something free to help you run and grow your small business.

A few years ago, “free-mium” was all the rage as the latest business model. During the economic downturn, online companies wanted to capture your business by enticing you with a certain level of service for free, in the hopes you’d upgrade to the “premium” version.

Today, there are fewer freebies, but you can still find many applications absolutely and continually free, especially if yours is a very small company.

Here are some free services for your small business you should check out if you want to: » Build your company’s infrastructure. Google is more than a search engine or email: You can virtually run your whole business on Google. Create, share and collaborate with Google’s office suite of wordprocessing (Docs), spreadsheets (Sheets), and presentation software (Slides) (www.google.com/docs); store all that content and more with Google Drive’s 8GB free limit; communicate via phone, SMS or video call on Google Hangout. And when

Windows 10

people search for businesses like yours, get found through Google’s Get Your Business on the Map initiative (https://www.gybo.com). » Manage projects. Everyone needs a good “to do” list. With Asana (https://asana.com), you can manage projects, assign and keep track of tasks, view a team calendar, upload files, and more. Use it at the office or on the go to stay on top of projects without hundreds of emails back and forth. » Manage customers. It’s easier to keep a customer than to find a new one. And a customer relationship management program makes it easier to keep those customers happy.

Track contact information, of course,

still here, but it looks different.

The first thing you’ll notice is a toolbar across the top of every Continued from Page 9 Explorer window. It looks a lot like the ribbon at the top of Microsoft When you load up Windows 10, Office. Another big difference is make sure you check out the Action that Explorer is now heavily inCenter. There’s a little square tegrated with OneDrive and Microspeech bubble on the far left of the soft Live. OneDrive is Microsoft’s taskbar. Click that, and you can see online cloud storage service, just notifications, updates, messages like iCloud and Google Drive. With from Cortana and more. You can Windows 10, you automatically get also quickly switch to tablet mode, a Microsoft Live account and 5GB take a note or change your settings. of free storage on OneDrive. » Explorer window. If there’s In Windows Explorer, you’ll be one thing that’s synonymous with able to drag files and folders quickWindows, it’s Windows Explorer. ly and easily between your OneI’m talking about the file manager Drive online storage and your local that you can use to access anything hard drive. Be careful! If you’re on your PC. Windows Explorer is not paying attention, it’s easy to

free for up to 10 questions. » Hold online meetings or conference calls. Conference calls used to be expensive, but with Free Conference Calls (www.freeconference call.com), it’s free to hold them with clients or contractors. Sign up, and you’ll get a dedicated number and no charges for the conference capability. Each caller pays their own long distance rates to dial in (if any). For free video conferences, use Skype (www.skype.com), likely the best known provider of VoIP (or voice over internet protocol) calls. » Store, share and back up files.

Everyone in our office likes using Dropbox (www.dropbox.com) to store GETTY IMAGES/ISTOCKPHOTO and share our files, especially when we’re working on a project with writbut also birthdays, anniversaries, ers, editors and designers and need your customer’s dog’s name. The free to make sure we’re all working on the version of Insightly (https://www. correct version of a file. Dropbox’s insightly.com/) gives you access for free version starts out at 2GB of two users up to 2,500 records and up storage per person, and you can earn to 200MB of storage. Upgrade when up to a total of 8GB through referyou outgrow this plan and never lose ring friends. You can work offline what might be your company’s most and when you’re back online, Dropimportant asset — your customer list. box syncs everything automatically. » Find out what customers » Get a website. A website is a want. How do you know what your must, yet many small businesses customers want? Ask them. Conduct don’t have one. With Wix (http:// surveys about new products, pricing, www.wix.com/), Weebly (http:// services, whatever using Survey www.weebly.com/) and Wordpress Monkey (https://www.surveymon(https://wordpress.com), there are no key.com) for free. If you need only a excuses not to have an online pressmall survey sample of 100 responence. You can get a simple site up dents or fewer, SurveyMonkey quickly — without knowing any tech(https://www.surveymonkey.com) is nical skills.

accidentally upload something to OneDrive that you didn’t mean to. » Task View and virtual desktops. Pressing ALT+TAB on Windows computers has always let you cycle between open windows or currently running programs. Or when you hit the Windows Key+TAB in later versions of Windows, you got a neat Rolodex-style view of open programs.

You’ll be glad to know Windows 10 still lets you multitask just as quickly using ALT+TAB, or you can hit the Task View button on your taskbar. It’s the three little boxes just to the right of the Search icon.

But it doesn’t stop there. Windows 10 has a cool feature that lets you create unlimited new desktops.

While in Task View, click the little “plus” sign in the bottom right corner. It says “New desktop.”

Each new desktop is like a separate computer. You can customize one for work, one for play, one for videos or whatever purpose you have in mind. It’s a way to minimize distraction and stay organized.

To switch among desktops, just bring up Task View and click which one you want to use. You can move programs among them by clicking and dragging them from the task view to the desktop you want.

For daily tips, free newsletters and more, visit Komando.com. Email techcomments@usatoday.com.

HUMOR COLUMN

NO DENTAL, NO MEDICAL ...

ple who are told they don’t have a life. Each month, Social Security mistakenly lists 750 living Americans as dead. That’s 9,000 people a year wrongly identified by the government as deceased. Once you get on the death list, it’s not easy to get off.

“60 Minutes” recently profiled four people who had wrongly been listed as dead. All of them had been he’d been getting how all these people could be locked out of their bank accounts paychecks was bewrong. Maybe he had been termiand assets. One woman had been yond me. nated. Maybe he hadn’t been going arrested and taken to jail for susWhen I called, he to work. Maybe that wasn’t really pected identity theft. couldn’t talk long his credit line I’d been seeing in the Several years ago, a man in Utah because he was busy paper. Maybe he had another wife mistakenly listed as dead visited a photographing a spot and another family somewhere.

Social Security office to protest his news story about a Maybe I had watched too many “death” in person. The clerks wantLORI gas line break. He Lifetime movies on TV. ed more evidence.

BORGMAN suggested I call the It took three hours, numerous The husband and I are thankful insurance company. I phone calls, a lot of hair pulling and that we are once again in good suggested he keep his distance from two emails with a few words in all standing with insurance coverage, the gas leak, as we didn’t have insur- capital letters, but the situation was and that his employer once again ance. resolved. He had not been terminat- has him listed as employed.

I called the insurance company ed; someone had read the wrong line Oh, and for the record: we are and they confirmed he had been on a spreadsheet and set the ball in very much alive. terminated May 31. The rep then motion.

Lori Borgman of Indiana is a columnist, said she couldn’t talk to me without The fallout from being told you author and speaker. Contact her at first talking to him. don’t have insurance coverage or a lori@loriborgman.com For a brief moment, I wondered job is nothing compared to the peo-

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After I made a dental appointment last week, the receptionist called back to say we no longer had dental coverage.

“That’s interesting,” I said.

“Yep, and you don’t have any medical insurance either,” she said.

The dentist’s receptionist is a perky sort, so if you’re going to get bad news, she’s a good one to get it from.

“No dental or medical, huh?” I asked.

“Nope, nothing. As a matter of fact, they said your husband was terminated May 31st.”

I said thanks and that I’d call the husband at work and tell him to come on back to the house as he had been fired three months ago. Why

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PLANNING AHEAD

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FIND SECURITY WITH A SOLID RETIREMENT PLAN Achieving financial independence is key to enjoying a satisfying retirement. Social Security has many tools to help you plan for your future.

Prepare for a secure, comfortable retirement by visiting www.socialsecurity.gov/ myaccount.

Once there, open a secure my Social Security account and assess your financial needs.

You’ll get immediate access to your personal Social Security Statement, your earnings record, and an estimate of your retirement benefits at age 62, at your full retirement age, and at age 70.

You can also ensure your earnings are correct, since your future benefits are based on your earnings record.

Choosing when to retire is an important decision. At our Retirement Estimator, which you can find at www.social security. gov/estimator, you can get an estimate of your future benefit amount.

You can use “what if� scenarios to see how your benefit amounts will change with different retirement dates and future earnings estimates.

Also, visit www.myra.gov to check out myRA, a new retirement savings option from the Department of the Treasury for

TERESA BRACK

BUSINESS CALENDAR  Chamber Classic Golf Outing, 8:30 a.m. Aug. 28 (shotgun start), Jamaica Run Golf Club, 8781 Jamaica Road, Germantown, Ohio. Offered by Preble County Chamber of Commerce. Includes 18 holes of golf with cart in scramble format, lunch and more. (937) 456-4949 or preblecountyohio.com  Parking lot sale for Alzheimer’s Association, 8 a.m.-5 p.m. Aug. 28 and 7 a.m.-1 p.m. Aug. 29, Dot Foods, 14600 Gateway Road, Cambridge City, Ind. Every dollar raised at the sale will be matched dollar-for-dollar by Dot Foods.  Lunch and Dunk, 11:30 a.m.-1 p.m.

Aug. 28, The Leland Legacy, 900 S. A St., Richmond. $10. A fundraiser for Alzheimer’s Association. Dunk Dr. Brent Swinney, Clay Miller, Kyle Turner and Dave Snow.

(765) 939-6500 or www.TheLeland Legacy.com/ Âť Preble County Koffee Talks, 8-9:30 a.m., offered the first Friday each month at REFLECTIONS@pmg, 3377 U.S. 35 E., West Alexandria, Ohio. Leadership discussions and networking for women. Schedule: Sept. 4, “Am I Too Busy To Be Healthy? The Rushing Woman’s Syndromeâ€? with speaker Gwen Pietzuch; Oct. 2, “How are you REALLY Leading?â€? by Stefanie Price; Nov. 7, essential oils by Babette Spitler; and Dec. 4, “Ban Bossyâ€? by Darlene Langhout, Girl Scouts of Western Ohio. wibn.org Âť Whitewater River cleanup day, 10 a.m.-noon Aug. 29, Milton, Ind. Meet at the stoplight in Milton for further instructions. Organized by Wayne County Soil and Water Conservation District. Free lunch provided. The SWCD will provide trash bags, gloves and canoes. waynecoun tyswcd.org/watershed or (765) 966-0191.

the millions of Americans who face barriers to saving for retirement. myRA is a simple, secure, and affordable way to help you take control of your future.

Once you are ready to retire,

apply at www.socialsecurity.gov/retire.

Our online retirement application is the easiest and fastest way to apply for Social Security retirement benefits. It can take you as little as 15 minutes to complete.

There are no forms to sign, and usually no documentation is required. Additionally, you can apply online from the convenience of your home.

Learn more about Social Security retirement benefits by reading our publication at www.socialsecurity.gov/pubs.

With all of these resources in place, you too can prepare to reap the joys of a financially secure retirement. Learn more at www.socialsecurity.gov.

Teresa Brack is Social Security manager in Richmond. Call (866) 446-6190 or visit the office at 500 N. A St. to learn more.

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Âť Autumn Oaks coonhound event, Sept. 3-5, Wayne County Fairgrounds, 861 Salisbury Road N., Richmond. Free for spectators. United Kennel Club welcomes all dog lovers. Vendors on site. (269) 3439020 or www.ukcdogs.com. Âť Eatonic Music Festival, Sept. 4-6, Preble County Fairgrounds, 722 S. Franklin St., Eaton, Ohio. Featuring more than 35 bands on two stages. Headliner is six-time Grammy winning blues legend Buddy Guy. Concerts are from 5 p.m. Sept. 4 to 2 a.m.

Sept. 5 (blues); 10 a.m. Sept. 5 to 2:30 a.m.

Sept. 6 (rock) and 10 a.m. to 5:30 p.m. Sept.

6 (bluegrass). Early bird discount ticket available. Tickets: eatonicmusicfestival.com. Info: (937) 533-1291  35th annual Farmer’s Pike Festival, 9 a.m.-10 p.m. Sept. 4-6 and 9 a.m.-5 p.m. Sept. 7, 1965 S. County Road 850 E., New Castle, Ind. More than 400 spaces for antiques, collectibles, arts and crafts, jewelry, clothes, food and other items. Live music and games. Admission: $4 for adults, $1 for children 10 and younger, and free for ages 3 and younger. Free parking. (765) 332-2576 or http://farmerspike.com/  Harvest Festival, 8 a.m.-noon Sept.

5, Jack Elstro Plaza, North Seventh and A streets, Richmond. Farmers market, fun free kids’ crafts and activities, an inflatable obstacle course, and more.  First Friday car shows, 5 p.m. Sept.

4 and Oct. 2, Historic Depot District, Fort Wayne Avenue and North E Street, Richmond. Free admission and free parking in the Depot lot.  Pizza Party, 5-8 p.m. Sept. 10, Oct. 8 and Nov. 12, Joe’s Pizza, 911 N. E St., Richmond. Tips and a portion of sales goes to Senior Opportunities Services. Live music

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PLANNING AHEAD Luncheon, 11:30 a.m. -1 p.m. Sept. 17, The Richmond. Create a painting with inspeaker and author. Social hour at 5:30 struction. Offered by Richmond Art MuLeland Legacy Ballroom, 900 S. A St., p.m. and dinner at 6:30 p.m. Silent aucRichmond. Organized by Wayne County tion. Tickets $50 in advance. Benefits seum. $35. Reservations: (765) 966-0256 Area Chamber of Commerce to honor Genesis domestic violence shelter. ReserÂť Oktoberfest, Sept. 26, Historic beautification projects that deserve recDepot District, Richmond. Street fair with vations: (765) 966-0538 or visit 15 S. 11th ognition. $20 per person. RSVP at St., Richmond. arts, crafts, antiques, food, beer garden, http://wcareachamber.org/ or (765) 962Âť Fourth Street Fair, 10 a.m.-5 p.m. music and more. RichmondDepotDis1511.

Oct. 3-4, 100 to 500 blocks of South Fourth trict.com  Women’s Networking Lunch, Street, Richmond. Arts, crafts, antiques,  Fall festival, Sept. 26, Warm Glow 11:30 a.m. registration, Sept. 18 at Lingle food and more. Free admission. Vendors Candle Outlet, 2131 N. Centerville Road, Hall, Reid Health, 1100 Reid Parkway, welcome. Fundraiser for Senior OpportuCenterville, Ind. Includes arts and crafts Richmond. Reservations are required by nities Services. (765) 962-1010 vendors. (765) 855-5483 Sept. 11 and can be made at http://wayne Taste of Wayne County, 5:30-8  Girls That Shine Gala for Girls Inc. coun tyfoundation.org/WNL91815.html p.m. Oct. 8. Tickets $10 at Wayne County of Wayne County, 7 p.m. Sept. 26, Gaar  Wine Down on the Farm, 5:30-7:30 Mansion, 2593 Pleasant View Road, RichArea Chamber of Commerce or at door. p.m. Sept. 18, Huddleston Farmhouse, U.S. mond. Walk the red carpet at the gala (765) 962-1511 40, west of Cambridge City, Ind. Harvest  Ninth annual Basket Bingo, 6 p.m. under the stars. Tickets: (765) 962-2362 Supper costs $50. (800) 450-4534  Farm tour, 5:30 p.m. Sept. 29, Bow- Oct. 8, Elks Country Club, 2100 U.S. 27 S.,  Richmond Symphony Orchestra - man Superior Genetics, 9898 Garrett Richmond. Doors open at 4:30 p.m. $25 in Music for Late Summer, 7:30 p.m., advance or $30 at the door. Tickets availRoad, Greens Fork, Ind. Free. Organized Sept. 19, Civic Hall Performing Arts Center, by Wayne County Area of Commerce. able at Hand-In-Hand Adult Day Care.

380 Hub Etchison Parkway, Richmond.

RSVP at www.eventbrite.com/e/farm-tour- Food, drinks and snacks available for Featuring pianist Lorraine Min. $75 adult purchase. For ages 18 and older. (765) tickets-17443070694 season subscription. Free youth admission 966-0852 Âť YWCA Annual Dinner, 5:30 p.m., for grades K-12. A single adult ticket is Âť Make a Difference Day, Oct. 24.

Oct. 1, Forest Hills Country Club, 2169 S. $15. (765) 966-5181 or http://richmond Get a group together and register a pro23rd St., Richmond. Keynote speaker is symphony.org LaDonna Gatlin, sister to the Gatlin Broth- ject at http://makeadifferenceday.com/ Âť “The Incredible Vision of a Half Find more events at pal-item.com ers musicians, performer, professional Blind Man: Carl Fisherâ€? told by Steve Etheridge, 6:30–7:30 p.m. Sept. 24, Bard Room, Morrisson-Reeves Library, 80 N. Sixth St., Richmond. Fisher, born in Richmond, spearheaded creation of Indianapolis Motor Speedway. Fisher was a sportsman, entrepreneur, promoter and millionaire known statewide and nationally. Free. Registration is not required. Âť Catalyst4Change program featuring national winner Joe Montana and emcee Tim Brown, 5:30- 9:30 p.m.

Sept. 24, Lingle Wellness Center at Wernle Youth & Family Treatment Center, 2000 Wernle Road, Richmond. $100 each or $700 for a table of eight. Tickets: (765) 939-4570 or wernle.org Âť Casino Night, Sept. 25, 4th Floor Blues Club, 923 N. E St., Richmond. All of the ticket price goes to 13 local charities.

(765) 966-5654 or inconcertrichmond.com. Âť Applefest, Sept. 25-27, Jefferson School grounds, New Paris, Ohio. Food vendors with apple dumplings and other apple-inspired dishes, arts and craft vendors, parade and classic car show on Saturday, live music rides and games for the kids, animal shows, apple-related contests and a beer garden. www.new parisoh.com 4121 South A Street, Richmond, IN Âť Cork and Canvas, 6-9 p.m. Sept. 25 www.tlcpethospital.com and Oct. 30, Room 912, 912 E. Main St.,

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from 6-8 p.m. Âť 10th annual butterfly release, 5 p.m. Sept. 11, The Secret Ingredient, 720 E. Main St., Richmond. For each $20 donation that goes to Richmond Rose Garden, participants will receive one butterfly to release at a ceremony honoring or memorializing someone important to the donor.

Honorees’ names will be displayed in the store window for three weeks. Butterflies need to be paid for by Sept. 7. (765) 9660990  Potterypalooza, 10 a.m.-4 p.m.

Sept. 12, Richmond Art Museum, 380 Hub Etchison Parkway, Richmond. Free to attend. Live wheel throwing demonstrations, Kids Clay Zone, more than 20 ceramic vendors, and live music during the festival featuring Wingwalkers and Sean Lamb Band. Âť 50th annual Heritage Festival, 10 a.m.-5 p.m., Sept. 12 and noon-5 p.m.

Sept. 13, Wayne County Historical Museum, 1150 N. A St., Richmond. Featuring children’s activities and crafts, carriage rides, blacksmith, iron works, handmade and wood crafts, art, silent auction, Civil War re-enactments, music and more.

Adults, $7; ages 6-18, $4; members and children younger than 6, free. www.way necountyhistoricalmuseum.org Âť Canal Days, Sept. 12-13, downtown Cambridge City, Ind. Vendors sought.

(765) 478-4689 or http://www. cambridgecityindiana.org/  Starr-Gennett Music Festival, Sept. 12-13, around Richmond. Sept. 12, gospel music in the Historic Depot District from noon to 5:45 p.m. and pop and country music from 6 to 10 p.m. Rush County Big Band will play patriotic/big band music will be played 5:30–7 p.m.

Sept. 13 at the Wayne County Veterans Park, with flag-folding ceremony and “Tapsâ€? at 7 p.m. Âť Youth As Resources Golf Scramble, 9 a.m. Sept. 12, Highland Lake Golf Course, Richmond. Money supports youth-led projects in Wayne County. $200 per four, or $50 per individual. Students are $35. Includes 18 holes of golf with cart, prizes and lunch. Sponsors sought.

(765) 993-0005 or yarwayne.org/golf/ Annual Wayne County Rural Youth Reunion, 12:30 p.m. Sept. 13, MCL Restaurant & Bakery, 3801 National Road E., Richmond. Bring your Rural Youth memorabilia and a friend. All previous Rural Youth members welcome. (765) 478-9107, (765) 962-7556, (765) 886-5339 Community Improvement Awards

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BUSINESS RECOGNITION

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Brookdale Senior Living Center at 3700 S. A St. celebrates its renaming in July with a ribbon-cutting. The care facility was formerly called Sterling House of Richmond.

Graduates of the Manufacturing Matters program smile in July after receiving certificates. The training program offers skills in high demand from local employers. The course is a joint effort of Ivy Tech Corporate College, WorkOne and partner companies. Successful applicants will receive a scholarship to meet expenses for the course and a chance to interview for positions with partner companies upon completing the class. Learn more and apply at www.ManufacturingMatters.info.

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Camping World celebrates its ownership change with a ribbon-cutting in July. Camping World at 2250 Williamsburg Pike was formerly known as Tom Raper RVs. Marcus Lemonis, CEO and chairman of Camping World and host of CNBC’s TV show, “The Profit,” made an appearance during the grand opening celebration.

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A $50,000 check was presented to the Wayne County Chamber of Commerce’s Center for Excellence on Aug. 12 after Richmond was selected as a quarterfinalist in America’s Best Communities Competition.

Cope Environmental Center recently was the focus of West End Bank’s monthly focus on a nonprofit organization. The bank promoted Cope’s services within its locations and arranged an internal employee event to raise awareness and collect donations. West End Bank’s Gale Ramsey presented a donation of $420 to Alison Zajdel, Cope’s executive director.

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West End Bank recently promoted the Laundry Project in its branches and through an internal employee event to raise awareness and collect donations. Gale Ramsey, left, of West End Bank presented the employees’ donation of $371 to Michael Duke, right, project manager for the Laundry Project.

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Recovery Works celebrates its groundbreaking with a ceremony in July. Wayne County will have an in-patient detox facility when Recovery Works opens in 2016 at the intersection of Indiana 1 and Interstate 70 near Cambridge City.

The Wayne County Soil & Water Conservation District received $500 from the Whitewater Valley REMC Community Trust to assist with the funding for Conservation Days, a two-day educational program for third- and fourth-grade students to learn about agriculture, natural resources and safety. Whitewater Valley Community Trust board members Carol McQueen, left, and Michael Allen, right presented the check to conservation education coordinator LuAnne Holeva, center.

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In July, West End Bank promoted the Siloam Health and Wellness Clinic at its locations and arranged an internal employee event to raise awareness and collect donations.

Gale Ramsey of West End Bank, right, presented a $500 check to Toni Reinke, a nurse practitioner with the Siloam Health and Wellness Clinic.

BUSINESS RECOGNITION

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West End Bank was a $1,000 sponsor of the MBIII (Mr. Basketball Three) Youth Basketball Camp at Earlham College for ages 7 to 12. Camp instructors included Lyndon Jones, a graduate of Marion High School and Indiana University; Woody Austin, a graduate of Richmond High School and Purdue University; and Jay Edwards, a graduate of Marion High School and Indiana University, all of whom were honored as Indiana’s Mr. Basketball.

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West End Bank sponsored the Charles Elementary School multi-day Flatrock Camp Experience for fourth-graders this spring with $4,234. The experience fosters teamwork, leadership and self-growth.

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Karoline Coryea and Katy Robinson served as interns with the Wayne County Area Chamber of Commerce.

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