Special advertising supplement
2 - Sunday, June 24, 2018
Locally Owned & Operated Special advertising supplement
NETWORKING, BUSINESS AWARENESS CENTRAL TO WORK OF LOCAL CHAMBER By Julie Pastrick President and CEO
non-member business because they are perceived to be more trustworthy and involved in their communities. Most chambers represent a significant portion of the business community, so pick up a directory or peruse the list on your chamber’s website. There might be a few — or several — businesses you may not even recognize! The list is an excellent resource for expanding your list of favorite restaurants or finding your next new favorite shop.
Greater Flagstaff Chamber of Commerce
A
local chamber of commerce is the heart and soul
of any thriving business community, and Flagstaff is no exception. The
Calendar Of Events
Greater Flagstaff Chamber connects business with local leaders and new customers through numerous networking events; convenes roundtables and conversations around regional issues important to business and economic prosperity; and serves as a champion for vibrant and healthy communities. We hold steadfast to our value that a strong community and a dynamic business climate are inseparable.
The chamber drives the Flagstaff community’s “Shop Local” campaign. We keep awareness high among consumers about just how vital shopping local is to the character and well-being of our community. When you shop local, you give support to the backbone of the community. Shopping local creates jobs, sustains families and is a boost to those businesses that create a healthy economy. Driving more customers to local business is a chamber’s primary focus. It does so through a vibrant and focused chamber social media campaign and by distributing business brochures to visitors. Also, the Greater Flagstaff Chamber provides an in-depth print and digital directory of member businesses. It’s a huge go-to business and community resource. To stay abreast of local events, you need to look
no further than the chamber for an up-to-date digital list at www.flagstaffchamber.com. Building a reliable network of business colleagues is vital to running a thriving local business, and that need is central to the work of the Greater Flagstaff Chamber. The chamber works hard for you while you are working, and you can rely on value to your business that only chambers can deliver. Expanding your network with local chamber business members is a great way to become more invested in your community. Here are ways to do just that.
Business Directory
The local chamber business directory includes member businesses. A study by the Shapiro Group (2012) revealed that consumers are more likely to shop at a member business over and
Your chamber of commerce keeps an updated calendar of local events. This calendar highlights new ribbon cuttings and celebrates businesses by spotlighting a different company on a regular basis. By attending a new shop or restaurant’s ribbon cutting, or visiting a spotlighted business, you might discover another shop that is right next door or across the street. Getting out into your community and shopping local is invaluable in building the local economy.
Become A Member
Run a business? Thinking about starting one up? Consider becoming a member of your local chamber. Most chambers have several levels of membership investment, including business memberships and individual memberships. This is a great way to hear first about new businesses that are thinking of starting up in the area and gaining networking access with current business leaders and community decision makers.
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Sunday, June 24, 2018 - 3
Locally Owned & Operated Special advertising supplement
S
8 REASONS TO SHOP LOCAL
hopping local not only helps you, it serves an
4. You support the business owner and the artisan. This ensures that both the business and the artisan’s wares will thrive in your community.
entire community. Here are just eight reasons you should shop local.
1. Inject money into the local economy. When you shop local, your money (and tax dollars) stay in the community, helping your schools, your streets, and your energy service providers.
directly returned the U.S. economy.
5. Get the history of an item. Many shop owners are likely to know the story behind a particular item. You can ask where something was sourced or how it was made, and the shop owner will undoubtedly have an answer for you.
3. Purchase one-of-a-kind items and gifts. While big box stores stock a broad inventory and purchase from their suppliers in bulk, local shops tend to purchase from local artisans more often and support the wares of other small businesses. This is why you are more likely to find items in local shops you won’t be able to find at major retailers.
2. You also keep money in the United States. In fact, if every family in the United States spent even $10 more each month at a locally owned small business rather than at big box stores, more than $9.3 billion would be
6. Great customer service. Small business owners are highly invested in the success of their shops or services. This translates into making
sure each customer’s shopping experience is a positive one. 7. You will raise your property value. Vibrant neighborhoods with thriving shopping districts are highly coveted, which works in your favor if ever you need or decide to sell your home. 8. You’re going to feel good doing it. Dopamine, serotonin, oxytocin and endorphins are the happy chemicals produced naturally by your body. Many situations can trigger these neurotransmitters. Helping others is one of them.
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4 - Sunday, June 24, 2018
Locally Owned & Operated Special advertising supplement
PERSONALIZED QUALITY CARE
PHYSICAL THERAPY AND ELECTRODIAGNOSTICS
At Larson Rehabilitation our focus is on high quality, patient centered care. Whether you have chronic pain, a work or sports injury, or need post operative rehabilitation, our goal is to accelerate your return to optimal activity.
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EAT LOCAL
E
ating local has a more authentic flavor. By eating local, you support local families, but you are also more likely to consume items
that are locally sourced and grown. Here are just a few ways to eat locally.
Find a New Place
If you are unsure which shops are locally owned, then use it as an opportunity to refer to your local Chamber of Commerce’s business directory. Local venues are usually founded around old family recipes. If you have a more adventurous palette, be sure to order the special. The special is generally either what an establishment is famous for or it is a rotating dish that is meant to highlight something new or uses seasonal ingredients. You will rarely go wrong.
Shop a Co-op
A co-op is a grocery store that is owned by its shoppers. By paying for a membership and attending meetings, you will
have a say in what the store sells and how its run. Many co-ops prioritize stocking foods that are organic and produced and farmed locally. This is also a fantastic way to get to know your neighbors.
Farmers Markets and CSAs
Farmers’ markets are the best places for local-sourced foods and fresh in-season ingredients. They are also an integral part of small business in America. According to the United States Department of Agriculture, there were more than 8,000 farmers markets operating in the U.S. as of 2014. Another way to support local growers is through community-supported agriculture, or a CSA. Through a CSA, a farm sells shares of its crops directly to consumers.
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Sunday, June 24, 2018 - 5
Locally Owned & Operated Special advertising supplement
SHOPPING LOCAL BY THE NUMBERS
M
ore and more people are choosing to shop local each year.
See how much shopping local can affect your community with these fast facts.
Let’s Talk Small Businesses
• According to the Small Business Administration, there are 29 million small businesses across the United States. • These businesses account for 99.7 percent of all business in the country and provide 47 percent of the nation’s jobs, according to the SBA. • About 8 million of these businesses are owned by minorities. • Small businesses also donate 250 percent more of their earnings than larger companies to nonprofits and community causes, according to the Good Business Network.
Let’s Talk American Made
• The United States lost 5.7 million manufacturing jobs between 1998 and 2013, according to a report from the Economic Policy Institute. Shopping American-made supports those companies that choose to employ Americans. • Shopping American-made is something most people prefer to do. According to a recent Consumer Reports survey, more than 60 percent say they will pay up to 10 percent more for the privilege.
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6 - Sunday, June 24, 2018
Locally Owned & Operated Special advertising supplement
SHOP LOCAL: NOT JUST FOR THE HOLIDAYS
S
mall Business Saturday is a shopping day that follows Black Friday. The movement began as a way to both encourage people to also shop
local for their holiday purchases and remind them of the benefits of doing so. However, shopping local is not just for your holiday needs. Here are some ways to find great local businesses to patronize.
Check Out Your Local Chamber of Commerce
Your local chamber of com-
merce should keep and regularly update both a business directory and a calendar of events. This calendar will highlight a number of events, including ribbon cuttings, business spotlights
and local events happening in your area. Pick up a directory or peruse the list on your chamber’s website. This is a great way to expand your list of favorite restaurants or to find your next new favorite shop.
Take a Walk Downtown
One of the great things about walking is that you notice more of what’s around you. You could discover a shop you have driven past dozens of times without noticing. Walking also encourages window shopping and popin shopping. Research shows that people who walk a shop-
ping district tend to be in less of a hurry, linger longer and make smarter purchases.
Spread the Word
Local and small businesses depend on word of mouth for positive feedback and repeat business. Outside of shopping local, the next best thing you can do to support local businesses is to recommend shops and services to others. Give positive reviews of small shops you love on Yelp and other consumer feedback websites. And don’t forget to get vocal on your social media profiles, and retweet #shopsmall.
Locally Owned & Operated
A
POSITIVE EFFECTS
Special advertising supplement
Sunday, June 24, 2018 - 7
community’s local businesses are often what write the town’s history, initiate and maintain traditions and give a community its
special characteristics. Shopping local also creates a positive ripple effect throughout the entire community. Read on to find out how. Your Money Supports Your Community
When you spend local, it stays local. It pays local workers, who send their children to local schools and pay mortgages on homes in the community. Every American worker also pays taxes on money earned in the United States, which is then used to fund education, agriculture, social programs and business. It is a circulation of money that is crucial to a community’s success. Not convinced? Consider this: According to the Andersonville Study of Retail Economics, shopping local generates 70 percent more local economic activity per square foot than their big box store counterparts.
Your Money Supports Your Neighbor
Small businesses are run by your neighbors and they employ your neighbors. According to the U.S. Chamber of Commerce, 67 percent of jobs in the United States
come from small businesses. By sticking local, your money is actually working overtime. Your dollars are getting you the things you need but they also work to get your neighbors the things that they need. You might find that the sticker price of an item at a local business is a little higher at times, but before you hesitate, remember that your dollar is working harder, too.
You Get to Know Your Community
Think about how quality customer service makes you feel. You are more likely to receive great customer service at a locally owned shop than at a big box chain. Local shops are deeply invested in your experience because they rely on your repeat business and word of mouth. Plus, if you have any questions, you are more likely to get a knowledgeable answer and may even develop a rapport with the owner. This investment means they get to know you and you, in turn, can get to know them if you frequent their shop enough.
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8 - Sunday, June 24, 2018
Locally Owned & Operated Special advertising supplement
WHY CHOOSE A LOCAL LENDER
B
uying local products and services helps to support your community. More money circulates among local families, who in turn make purchases from other local businesses and service providers, creating a positive economic ripple that strengthens the community. The benefits of buying local food and gifts are clear and many, but what about choosing a local lender for your mortgage? Choosing a lender based in your community supports local businesses in all the same ways, and it does much more: a local lender offers a deeper layer of expertise and experience on real estate rules and common practices in your area. Whether you’re looking to buy a new house, renovate, or refinance, a local lender can offer a competitive edge, personalized service, and a betterdesigned mortgage that truly benefits you and your community. COMPETITIVE EDGE The housing market in Flagstaff and its surrounding areas is fiercely competitive. Buyers looking to finance with a mortgage usually compete against multiple bids and cash offers. You may be surprised to learn the lender you choose can make a difference in whether your bid is chosen. How? Typically, when you make an offer on a home in our state, your offer is accompanied with an Arizona Prequalification form. This form is provided by your lender and serves to verify your strength as a buyer; your Prequalification form is only as strong as the reputation of your lender. Sellers use this information to compare bids and determine which offer looks the best and most reliable. Working with a lender who has established a reputation in the community as a trustworthy, reliable company can strengthen your offer. Remote, internet-based companies may not provide the clout and peace of mind necessary to convince a seller that your prequalification1 is trustworthy
or reliable; using a proven local company goes a long way in giving buyers a competitive edge because of that hometown reputation. Erin Moore, Senior Loan Officer (NMLS: 177569) at PrimeLending, whose team The Moore-MacFerren Group is ranked in the top 1% of mortgage originators in America by Mortgage Executive Magazine (2017) tells us that “ultimately, sellers choose the offer from buyers they feel most confident can close on their loan and meet their deadlines. We have a proven track record for making that happen here in Flagstaff.” PERSONALIZED SERVICE An enormous benefit to working with a local lender is accessibility. You can meet faceto-face, as often as necessary. The mortgage process has become increasingly complex and confusing, and every transaction is different based on the borrower’s unique situation, personal financial goals and housing expectations. A trusted local lender can get a better sense of you and your goals, and guide you through the process in a much more complete, personal way. Your loan officer can take the time to get to know you and your financial situation and work to find a home loan that fits your
individual financing needs. But this personalized service goes even further than communication: a local lender can provide unique insight into how your goals might fit with the local economy. Housing trends, market analyses, and historical knowledge of a city are all highly unique to each community. Working with a local expert enables you to capitalize on these trends to not only get a better mortgage, but set yourself up to realize more financial benefits in the long run. Local loan officers have deeper connections to local real estate agents, title companies, appraisers and other service providers that ensure your loan goes as smoothly as possible. “Most agents would much prefer to work with lenders who know their local market and have someone to call when questions or challenges arise,” explains Paul Conigliari, Branch Manager (NMLS: 150783) at PrimeLending, “and that’s why I make it a priority for everyone to have my cell number.”
needs, goals, and position in life. Mortgage financing is not a onesize-fits-all process, nor should it be treated as such: a trusted mortgage expert should be able to show you the best options for your specific situation. For example, mortgage insurance is a requirement on conventional loans originated with a down payment of less than 20% of the value of a home. An expert loan officer can show you that there are multiple ways to design this mortgage insurance, and each way of designing this mortgage insurance may have more of an impact on your monthly payment than the interest rate! While internet mortgage “shops” often offer a limited choice of mortgage insurance providers to provide competitive quotes, a local lender that works with many mortgage insurance companies has access to a wider range of quote options. With more competitive bids to choose from, you have a better opportunity to pick an option that lowers your overall monthly payment. This is just one of the ways loan design is crucial to getting the most advantageous mortgage possible. Conigliari elaborates, “Loans are like fingerprints, every situation is unique. Having a lasting relationship with a home loan expert is critical to developing opportunities and net worth. Home loans are completely different than auto loans, although unfortunately too many people mistakenly treat them as such.” Buying a home is an important transaction, and choosing the right lender can have a huge impact on your experience. When you choose a trusted local lender, you have the peace of mind that comes from selecting an industry expert who gives you the best chance to achieve your homeownership dreams. Flagstaff residents deserve a proven expert that lives and works in your community who can offer the very best in personal service, local expertise and creative financing options.
TPECNOC NEPO RUOY TFARC A MORTGAGE THAT MEETS YOUR NEEDS There is a secret truth to mortgages: the lowest interest rate may not always offer you the best overall financial outcome. You are a unique person with your own
Call today to learn which home loan program is right for you!
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1) A prequalification is not an approval of credit, and does not signify that underwriting requirements have been met. 2) As listed by Marketrac® for Jan-Dec 2017. All loans subject to credit approval. Rates and fees subject to change. ©2018 PrimeLending, a PlainsCapital Company. (NMLS: 13649) Equal Housing Lender. PrimeLending, a PlainsCapital Company (NMLS: 13649) AZ Lic. no. 0907334. v120717
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