What to Drink When
Beat the Seasonal
recalibrate, recharge and relax!
uly and August are two of our
favorite months of the year.
Not only is it “officially” summer,
which often means vacation
season, but it’s also a time when
things slow down just a little,
giving us time to recharge and
relax. This issue of Advantage
can help you do all three of
Recalibrate—If you have a seasonal
business, our article, “Beat the
Seasonal Business Blues” will help
you recalibrate your finances so
that you can weather the ups and
downs inherent in this type of
business more easily.
Recharge—Spending time in
hot weather can really zap your
energy, especially when we aren’t
properly hydrated. We can help
you fix that with our hydration
tips. Plus, we have a full menu’s
worth of unique grilled dishes
so you can recharge both your
barbecue repertoire and your
body with some tasty eats.
Relax—Of course, summer is
also meant for relaxing, which
may mean a camping trip. To
help you prepare so that you
don’t have to worry about a thing
while you’re on your campsite,
see our list of some of the best
Have a safe and enjoyable
2 | JULY–AUGUST 2016
4 • Beat the Seasonal Business Blues | Cash flow, credit and
creativity—those are three driving forces behind every successful business,
but they take on even more importance when it comes to seasonal businesses.
Here are some tips to help you leverage them to your advantage.
6 • No Stove Required—Unique Grilled Dishes | Rest assured,
these unique grilling recipes will satisfy that urge for something different—
no stove required!
8 • Hiring Summer Students 101 | Educated, tech-savvy, and
energetic…high school and college students can be a great resource for
employers needing seasonal or part-time help. This article can help you
make sure that the experience is mutually beneficial.
10 • Help Your Pooch Beat the Heat this Summer | The “dog days”
of summer can be uncomfortable for humans, but imagine how dogs feel.
With normal body temperatures that run higher than ours, and fur coats,
hot weather can be unbearable for canine companions. These tips will help
you keep your pooch safe and happy even as temperatures soar.
2 • From the Firm | Summer’s here—recalibrate, recharge and relax! July
and August are two of our favorite months of the year. Not only is it “officially”
summer, which often means vacation season, but it’s also a time when things
slow down just a little, giving us time to recalibrate, recharge and relax.
12 • Life & Living | The Best Camping Apps. If your idea of the perfect
weekend or vacation includes a campsite in the great outdoors but you need
a little help with the finer points of “roughing it,” find your mobile hotspot
and check out these latest and greatest camping apps.
14 • Mind Flex | Hydrate! Know What to Drink and When.
Water. It’s something that many of us take for granted, but it’s essential to
our health. These tips can help you stay optimally hydrated this summer.
Advantage is published by osity LLC, 1516 S. Walnut St., Bloomington, IN 47401 (osity.com) and distributed as a courtesy by professional services firms nationwide. This publication is intended
to provide general information only and is not to be construed as providing financial, legal, or other professional advice or services. The information and points of view presented may
not be appropriate for your specific financial position or circumstances. Contact a financial or legal professional before making any decisions or plans regarding your financial management.
JULY–AUGUST 2016 | 3
Beat the Seasonal
Cash flow, credit and creativity—those are three driving forces behind
every successful business, but they take on even more importance when
it comes to seasonal businesses. Here are some tips to help you use them
to your advantage.
Know the numbers.
Seasonal businesses are tough, and their owners must
be tougher—with a thorough knowledge of their
business financials. Being able to manage finances
accurately and effectively is crucial.
Considering the inherent income fluctuations of
a seasonal business, it’s imperative to have a firm
handle on costs, as well as knowing when to tap into
credit and when it makes sense to ramp up or reduce
activity based on objective numbers. A CPA or other
4 | JULY–AUGUST 2016
financial professional can help you
understand the numbers part of
your business so that you can plan
Keep cash flow current.
Hand-in-hand with knowing the
key financials of your business is
knowing how to keep your cash
Of course, if you don’t know
what’s coming in and going out
down to the penny, you need to
take action to remedy the situation
with a good accounting system (or
an accounting firm that can do it
In addition, you’ll need an
invoicing system that is quick and
efficient, so you can easily keep
track of which clients are current
on payments and which ones are
falling behind. This information
can help you to quickly identify
and rectify situations that may put
a squeeze on your future cash flow.
Expand your demand.
Another strategy to shore up your
business during slow periods is to
use a creative approach to reduce
the impact of seasonality. Take a
look at your current products and/
or services and consider ways to
grow interest in them; or consider
what complementary items or services
you could introduce to augment
your sales during non-peak
periods. You can also use slower
times to market to existing and
prospective customers to increase
interest and demand.
Control your use of credit.
Not all cash flow and seasonality
influences can be controlled, and
Not all cash flow
influences can be
controlled, and that’s
why it’s essential to
keep extra cash on
hand to cushion any
to your business.
that’s why it’s essential to keep
extra cash on hand to cushion
any unexpected blows to your
business. A credit card or line of
credit is one way to bridge a cash
flow gap, especially if you are just
starting out and not eligible for
larger bank loans. However, it’s
important not to get in over your
head, which is something a solid
financial plan will help you avoid.
Take the long view of
your seasonal business.
Although your business may
operate only part of the year, it’s
important to think about it as a
12-month operation. This will
ensure that you not only plan
ahead for new opportunities
and maximize existing ones, but
that you also set aside enough
cash to pay any overhead costs
that exist even when your business
is closed. Carefully managing your
cash flow and credit, along with
implementing a little cash-infusing
creativity can help you beat the
seasonal business blues.
Sources: Inc.com and Entrepreneur.com
JULY–AUGUST 2016 | 5
6 | JULY–AUGUST 2016
Try These Unique
illing…for some it’s a summertime tradition, for others it’s a true passion,
and for many of us, it’s a way to escape the kitchen when it’s just too hot
to cook. While steak, hamburgers, and chicken breasts certainly taste
delicious on the grill, the same rotation of grilled meats can leave you desiring
more adventurous fare. Rest assured, these unique grilling recipes will satisfy that
urge for something different—No Stove Required!
Nachos on the Barbie
What You Need
• 8 oz. tortilla chips
• 1 pkg. (8 oz.) shredded cheese
(cheddar or Colby are good
• 1/2 cup finely chopped red
• 1 jalapeño pepper, seeded,
• 1 tomato, chopped
• 1/2 cup sour cream
Heat grill to medium-high heat.
Double-fold edges of large
sheet of heavy-duty foil to
make rimmed 12x10-inch tray.
Spread chips onto bottom of
tray; cover with cheese, onions
Place on center of grill. Turn
off burners directly below tray;
cover grill with lid. Grill 5 min.
or until cheese is melted.
Top with tomatoes. Serve with
Grilled Fish and Peppers
What You Need
• 1 cup Italian dressing
• 2 tsp. crushed red pepper
• 1-1/2 lb. grouper fillets
• 2 each red and green bell
peppers, each cut into 6 pieces
• 2 Tbsp. grated parmesan
• 2 Tbsp. finely chopped cilantro
Mix dressing and crushed red
pepper. Pour over fish and peppers
in shallow glass dish; turn
fish and peppers over to coat
both sides of each with dressing
mixture. Refrigerate 15 min.
Heat grill to medium-high heat.
Remove fish and peppers from
marinade; discard marinade.
Grill fish and peppers on covered
grill 4 min.; turn fish over.
Grill, covered, 2 min. or until
fish flakes easily with fork. Place
fish and peppers on serving
plate. Sprinkle with cheese and
cilantro; let stand 3 min.
Grilled Fruit Kabobs with
Creamy Honey Sauce
What You Need
• 6 small plums, pitted, halved
• 3 fresh peaches, each cut into
• 3 cups fresh pineapple chunks
• 1/2 cup creamy poppy seed
dressing (brand of choice)
• 1/2 cup honey nonfat Greekstyle
Heat grill to medium heat.
Toss fruit with dressing in
medium bowl; thread onto 4
skewers. Reserve dressing left
Grill kabobs 6 min. or until fruit
is tender and lightly browned,
turning after 3 min. and brushing
with reserved dressing.
Serve with yogurt.
JULY–AUGUST 2016 | 7
Hiring Summer Students 101
Educated, tech-savvy, and energetic…high school and college students can be a
great resource for employers in need of seasonal or part-time help. The following
information can help you make sure that the experience is mutually beneficial.
Partner with schools.
It’s more likely that you will find students who are
prepared and enthusiastic to work in a professional
organization if you tap into formal internship or
summer hiring programs at local high schools
and colleges. You can also use the job-board
listings that many schools offer. Going these routes
instead of recruiting independently will help you
more easily find students with the specific skills
you are looking for.
8 | JULY–AUGUST 2016
Follow the rules.
Another reason to work through
formal channels when hiring
students is because you’ll be able
to simplify compliance related
to state laws governing student
workers. You will also have assurance
of a student’s legal authorization
to work in the United States.
Another resource for this purpose
is SnagAJob.com, an online
employment agency that offers
businesses an easy way to recruit
students with instant verification
on a job applicant’s age and
authorization to legally work
in the United States.
Invest in your
It’s important to spend a little bit
of time upfront to create a meaningful
experience for any high
school or college student hired.
This means thinking through what
kind of projects they could take
ownership of and what skills they
may be able to grow under your
mentorship. Resist the temptation
to pile on a lot of administrative
tasks or “grunt” work on the students
you employ or you’ll miss
out on the opportunity for them
to make a real contribution to
Make a plan
and set goals.
For internships or paid part-time
positions to be mutually beneficial,
there needs to be a plan in
place for the goals of the work
being done and the outcomes that
the incumbent is to produce. Just
like any other employee, a student
worker should know who their
supervisor is, how they will be
evaluated and what your expectations
are for employees. This
will help you get the most out of
your student worker, and it will
help them understand how a real
Just like any other
employee, a student
worker should know
who their supervisor
is, how they will be
evaluated and what
are for employees.
Students can learn a lot from
working in a real company, and
businesses can gain a lot in return
by employing them. Don’t underestimate
the skills that your intern
or part-time student worker can
bring to your company as well
as the fresh perspective they can
offer. Who knows? You may just
find a real gem whom you’ll want
to transition from an internship
into a full-time position once they
finish their education
Keep these dates handy to
avoid paying penalties:
Business Tax Deadlines
• March 15, 2016
• September 15, 2016
Estimated Quarterly Tax
April 18, 2016
June 15, 2016
September 15, 2016
4th Quarter 2016:
January 15, 2017
Individual Tax Deadlines
April 18, 2016
October 17, 2016
IRA Contribution Deadline:
April 18, 2016
for additional information
JULY–AUGUST 2016 | 9
The “dog days” of summer
can be uncomfortable for
humans, but imagine how
your dog feels. With normal
body temperatures that run
higher than ours and fur
coats, hot weather can be
unbearable for canine
companions. These tips can
help you keep your pooch
safe and happy even as
10 | JULY–AUGUST 2016
dog for summer.
A shorter summer clip is fine but
resist the urge to give your dog
a buzz cut. A dog’s fur is part of
his natural insulation system that
keeps warm air in during winter
and hot air out during summer.
Also, shaving your dog’s coat
too short can put him at risk for
Teach your dog a shady trick. If
your dog lives outside or spends a
lot of time outdoors, teach him to
do a “down/stay” in a cool spot.
Keep the canine
Remove cushiony bedding from
your dog’s crate or bed. He may
be more comfortable lying on
the cooler bottom rather than
on blankets or fleece.
of fresh water.
You’re not the only one who
enjoys a nice drink of refreshing
water on a hot summer day. To be
sure the water is truly refreshing,
place the bowl in a shady spot
away from direct sunlight.
Save exercise sessions for early
morning or after the sun goes
down. Your dog will appreciate
the cooler temperatures and so
Let your dog chill inside.
Keep your dog indoors when you
go out for more than an hour. If
possible, restrict him to rooms
with either air conditioning or
or after the
sun goes down.
Ban bathroom drinks.
This is the time of year when
dogs are tempted to drink the
cold water from toilet bowls. Keep
the lid down and try to avoid
chemical cleaners and fresheners
that stay in the bowl.
Check the ground
Blacktop can get too hot for your
dog's paw pads. Touch the surface
yourself—if it’s too hot for you, it’s
probably too hot for your dog.
Try a gentle hose down.
Try a gentle spray of cool water,
which your dog may find refreshing.
It may take you a few tries
before your pooch enjoys the
experience. If all goes according to
plan, he’ll feel happy and refreshed
once he’s nice and wet.
Be aware of heat
stress or stroke.
If you see that your dog is
panting heavily, salivating or
foaming from the mouth, these
may be the first signs of a heatrelated
problem. Get your dog
to a cool location, provide small
drinks of cold water, and, if he
doesn’t improve within a few
minutes, contact your
By taking the simple steps above,
you can ensure that your pooch is
safe and comfortable during the
“dog days” of summer!
JULY–AUGUST 2016 | 11
Life & Living
If your idea of the perfect
weekend or vacation includes
a campsite in the great outdoors,
but you need a little help with
the finer points of “roughing it,”
find your mobile hotspot and
check out these awesome
12 | JULY–AUGUST 2016
Classic Camping Cookbook
and Meal Planner
Developed by Coleman®, the Cookout Cookbook
& Meal Planner iPhone application helps
families prepare meals during the busy summer
camping and cookout season. Use it to find the
perfect meal based on food type, category and
ingredients. It also allows you to plan meals for an
entire camping trip, all you have to do is choose
the number of days you will be camping and let
the app do the rest. It will even help you generate
shopping and equipment lists so you never forget
essential ingredients again.
Do you find your camper van always has a bit of a
tilt after you’ve pitched up, or you and your family
find themselves at the bottom of their sleeping
bags in the night with the downhill slope? The
iHandy app can help you out by telling you what’s
level and what’s not. This is a simple tool, but like
the compass, can be essential for a trip to the
Star Walk Stargazing
This is another award winning app, which you
should definitely buy if you are interested in stars,
constellations and satellites. If you can point your
iPhone at it, you can find out what constellations
and satellites you’ve been looking at and get a lot
of exciting and educative information. You can
even use the app to look back in time or into the
future to see what the night sky might or will
Flashlight uses the LED light on the iPhone to
fill the screen with bright white light to illuminate
your tent, camper van or caravan. It even includes
special effects including: Strobe Light, S.O.S.,
Yin-Yang, Halloween, Candy Hearts, Holiday
Lights, Photos and many more!
MyNature Animal Tracks
This is a great app to have for the kids that you
can use to identify and figure out animal tracks
and learn a bit more about the type of animal that
left them and a bit about their habitat. It includes
illustrations of both fore and hind feet with a
complete description of track measurements, gait
patterns used, trail widths and animal life cycles.
MyCast Weather Radar
This app has an animated radar, clouds and
StormWatch severe weather alerts, allowing effortless
interpretation of how the weather affects your
day. Whether you are interested in weather for today,
tomorrow or next week, this app has it all.
Survival skills are techniques a person may use
in difficult or dangerous situations (e.g. a natural
disaster) to save themselves or others. However,
they can also be used to better appreciate nature
and for recreation. The techniques shared in this
app provide advice to get basic necessities such
as water, food, shelter, habitat and signal for help;
navigate safely; avoid unpleasant interactions with
animals and plants; and for first aid.
JULY–AUGUST 2016 | 13
Know What to
Drink and When
14 | JULY–AUGUST 2016
ater. It’s something that many of us take for granted, but it’s essential to our
health. In fact, water is the most important, and often most forgotten, nutrient.
You can last for some time without food, but only days without water. Losing body
water can adversely affect your functioning and health. That’s why it’s important,
whether you participate in sports or not, to be adequately hydrated—especially
during the summer when the risk of dehydration from hot humid weather is present.
Use the following tips to help you stay optimally
hydrated this summer:
Drink enough water to prevent thirst.
Monitor fluid loss by checking the color of
your urine. It should be pale yellow and not
For short-durations (less than 60 minutes)
of low-to-moderate-intensity activity, water
is a good choice to drink before, during and
Consider all fluids, including tea, coffee,
juices, milk and soups (though excluding
alcohol, which is extremely dehydrating).
The amount of caffeine in tea and coffee
does not discount the fluid in them, even
if they have a slight diuretic effect.
Eat at least five cups of fruits and
vegetables per day for optimum health,
as they all contain various levels of water
and the all-important nutrient potassium.
Any time you exercise in extreme heat or
for more than one hour, supplement water
with a sports drink that contains electrolytes
and 6 percent to 8 percent carbohydrates.
Begin exercise well-hydrated. Drink
plenty of fluids the day before and within
the hour before, during and after your
JULY–AUGUST 2016 | 15
has to be earned
When it comes to your financial strategies and well-being, you can count on us to
help your business reach new heights. From your monthly financial management,
to your tax strategies and planning, we have the knowledge and commitment to
keep you growing safe and sound.
Turn to us as your most trusted advisor.