Shelbyville Times-Gazette

(BPT) - A sandwich is an easy lunch you can quickly make in the morning as you help your kids get ready for a new school day. But the real beauty of a sandwich is that it's infinitely customizable. The only limit is your child's imagination. That's why this back-to-school season, Nature's Own — the nation's No. 1 selling loaf bread brand — and Make-A-Wish are inviting families to bring a little more creativity to the daily school lunch ritual with its Sandwishes campaign.

Real estate investors who want to scale multi-unit real estate portfolios face two issues. Tax optimization strategies and income constraints cause them to hit a wall when they reach 3-5 properties if they don’t understand how DSCR loans and cash-flow underwriting work. However, as Griffin Funding, a mortgage and home loan lender, explains below, asset-based financing based on property net operating income (NOI) can continue to scale.

Posted Tuesday, September 8, 2026 3:00 pm Entrepreneurs are using AI tools for insurance research at rates comparable to insurance agents and peer networks, according to a new ERGO NEXT survey of small business owners. Of those who have used AI, most trust the information they receive, signaling that entrepreneurs are becoming more comfortable using digital tools to navigate complex business topics that have traditionally required human expertise.

Access to cash and credit is a small business’s lifeline. Your business’s credit rating shows lenders, suppliers, and other vendors how financially stable your business is, as well as how well you’ve been able to manage your cash and pay your business debts on time. Establishing a strong business credit score is the first step to helping your business get ahead, such as by making it easier to secure financing when you need it—and with the most advantageous rates and terms possible.

More than 20 million involuntary job separations happen in the U.S. each year, according to the Bureau of Labor Statistics. For many workers, the next step is navigating an increasingly complex hiring process that relies on automation and digital screening, often without the tools or visibility to understand how those systems work. EarnIn, an earnings management and payroll company, examines how financial apps are trying to help address the discrepancy between job seekers and job posters.

Posted Tuesday, September 8, 2026 2:30 pm Excel was released in 1985. Forty-one years later, here you are, still using it to run your shop. Spreadsheets are wonderful. Your schedule is on there. Your techs’ repair orders (RO) and updates for the day are found on it. Your service advisors use it to track customers. It’s going well, until it isn’t.

Keeping a buyer has always cost less than replacing one, yet retailers often put the relationship under pressure after payment clears. Harvard Business Review has reported that acquiring a new customer can cost five to 25 times more than keeping an existing one. The same math makes the after-sale experience harder to treat as back-office work. After a brand pays to win the click, a vague tracking update or a hard-to-find return label can decide whether another order follows.

Whether you’re a first-time homebuyer or have been around the real estate block before, asking the right questions during your house hunt can help you find the right type of home for your needs and avoid problems later, Ally Financial reports. 1. What is my homebuying budget? Understanding how much house you can afford will inform your entire homebuying process. 2. What are the must-have features that I want in a home? Determine which features you can and cannot compromise before starting your search.

(BPT) - No matter where you live, you can be at risk for short- or long-term power outages. Between extended heat waves, hurricane season, wildfire risk and upcoming winter storms, the aging power grid can't always handle the many challenges Mother Nature dishes out. For National Preparedness Month this September, learn about the range of options that are available for reliable solar power backup, whether you live in an apartment, suburban home or rural area.

At-home DNA tests have revolutionized personal health insights, but understanding their accuracy requires examining the underlying technology. These tests typically analyze single nucleotide polymorphisms (SNPs), which represent common genetic variations found throughout the population. Major providers like 23andMe and AncestryDNA achieve impressive accuracy and best results for raw genetic data, with laboratory processing standards reaching 99.5% to 99.9% accuracy rates.