Author Archive

PHIL HARDWICK: Change — you must embrace it and learn to manage it

by Published: September 15,2014

Tags: Business, education, Mississippi, Phil Hardwick

Before reading this column, complete the following sentence with the very first thing that comes to your mind: I never dreamed I’d see the day that … Over the past 20 years or more I have opened many a presentation with that little exercise. It is fascinating to see how the responses have changed. When […] [...]

PHIL HARDWICK — Financial literacy makes better schools and communities

I love Junior Achievement. Too bad it’s no longer around. Once upon a time I was a Junior Achievement volunteer, a business person who went into elementary schools and presented a program about work-readiness, entrepreneurship and financial literacy. Trained by Junior Achievement of Mississippi and equipped with some excellent instructional materials, I, like dozens of […] [...]

PHIL HARDWICK: Sales tax collections as an economic indicator

Small business makes a substantial contribution to the economic health of cities in Mississippi. Small businesses not only provide jobs, their sales tax collections are a significant source of revenue for their communities. That makes them economic development engines. Although the term “economic development” has no standard definition, it is generally agreed that economic development […] [...]

PHIL HARDWICK — The value of corporate headquarters to communities

For many people, growing up in Jackson, Mississippi in the 1950′s and ’60′s meant banking at Deposit Guaranty, buying groceries at Jitney Jungle and shopping for clothing at McRae’s. Today, those homegrown local businesses are no longer wearing the same names as a result of being acquired by even bigger businesses. Not only did the […] [...]

PHIL HARDWICK — Commencement speeches we will never hear

The 2014 graduation season will be remembered for speeches not made. And that is not a good thing. It is not new for students to protest against the selection of graduation speakers. During the 1960’s, students spoke out and criticized at graduation ceremonies to protest the U.S. involvement in Vietnam. Things settled down for a […] [...]

HARDWICK — Commercial real estate leases — pros and cons

There are three basic categories of commercial real estate leases. In this column we will explore the pros and cons of each to help you decide which one is right for you and your business. Let’s begin by pointing out that a lease is a contract. In general, all contacts involving the sale of real […] [...]

PHIL HARDWICK: Are Mississippians stuck or mobile?

by Published: May 9,2014

Tags: Business, column, Mississippi, Phil Hardwick

Just over 75 percent of all Mississippi residents were born in Mississippi. That is the sixth-highest percentage in the United States. That number reveals some good things and some not-so-good-things about the Magnolia State. One obvious good thing about that number is that it indicates that residents are apparently satisfied with living here. Even though […] [...]

PHIL HARDWICK: In serarch of — and avoidance of — uniformity

by Published: April 7,2014

Tags: Business, column, economic development, Mississippi

What would you do if another state barred the sale of your products after having approved them for years and years even though other states allowed the sale of your products? Depending on the volume and sales of those products you might complain to state officials, contact your Congressional office or even file a lawsuit. […] [...]

PHIL HARDWICK — Forecasting the future

by Published: March 7,2014

Tags: Business, Mississippi, Stennis

“It’s tough to make predictions, especially about the future.” — Yogi Berra   The World Future Society just issued it list of 20 Forecasts for 2014-2030. I’ve selected several from that list that I think will affect many Mississippi businesses and consumers and offer a bit of commentary about each. Amish Boom. The fastest-growing religious […] [...]

PHIL HARDWICK — So you want to be a residential real estate investor? Part 2

by Published: February 21,2014

Tags: Business, economic development, Mississippi, real estate

In part one we discussed how to determine whether a person had the right characteristics to be a residential real estate investor and how to find the right neighborhood. We now move to finding and managing the right property. There are two really important axioms to keep in mind when investing in residential real estate. […] [...]

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