April 2009

April 2009

the

Vol 2 Issue IV

of

positive

immigration & diversity change

appreciative inquiry

onthecover:

New Canadians Centre P.M. Agreement #1471570 If undeliverable, return to: 175 George Street North, Peterborough, ON K9J 3G6

a monthly publication of

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GOLF Consider your Nominations year round

It’s that time again, time to start thinking...GOLF!

Our annual Golf Tournament will be held on June 10th at the Kawartha Golf & Country Club.

To take advantage of the great sponsorship opportunities contact the Chamber.

October 21, 2009

ber’s m a h C e Meet th ketplace. by over New Mar to be seen

you ess groups location for Here is the er members and busin b 1500 Cham gh and the Kawarthas. u ro o onnected in Peterb it (max. 4 c

65 per un r business, service or For just $ u can list yo onth. units), you age each m s s e m l a n o ment, promoti nth commit r a 6 mo discount fo % 5 a itment. e iv e c Re onth comm m 2 1 a r fo nt 10% discou

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yourstaff Stuart Harrison Ext. 202 General Manager Cynthia Hamu Ext. 201 Office Manager Shelley Gauthier Ext. 204 Administrative Assistant Anne Arnold, CSP Ext. 200 Membership Services Manager Cathy Martin Ext. 214 Event Coordinator/Marketing Assistant Lindsay Walker Ext. 210 Front Line Coordinator Krista Laidley Ext. 205 Licensing Supervisor Reception Ext. 0

yourboard

4 6 8

inside

Positive Immigration & Diversity

regular features

Change Appreciative Inquiry Creates a Positive Change Experience

on the cover

Upcoming Events

executive/finance Mary LaRocque Chair Marlin Travel Terry Merrill Past-Chair Holiday Inn Peterborough Waterfront Arlynn Dupuis Vice-Chair McGillen Ayotte Dupuis Tony Smith Treasurer Tristone Media Group Stuart Harrison Secretary Greater Peterborough Chamber of Commerce Jef Dueck Director-At-Large 91.9BOBFM/Country 105/Energy 99.7 Betty Johnson Director-At-Large Century 21 United Realty

member matters

10

new members

11

chamber events - club laurus - breakfast club

12

business after hours

14

benefacts

15

here’s my card

16

the voice of business

directors Dick Crawford Crawford Building Consultants Bob Doornenbal The Peterborough Examiner Brad Hilker Peterborough Regional Health Centre Patric Marren Nationwide Barter Drew Merrett Merrett Home Hardware Building Centre Joel Parkes Kitty’s Erotic Boutique Kamran Qayyum Siemens Milltronics Process Instruments Inc. Diane Wolf Trent University

editor cynthia hamu DESIGN treehouse studio Printing commercial press

contributors www.peterboroughchamber.ca

Mayor Paul Ayotte City of Peterborough Karl Moher Douro-Dummer Deputy Reeve County of Peterborough Marg Dawson Peterborough County Federation of Agriculture

stuart harrison Stuart Harrison is the General Manager of the Peterborough Chamber of Commerce and can be reached at 705.748.9771 x202 or stuart@ peterboroughchamber.ca

www.metateamsolutions.com

appointments

The Greater Peterborough Chamber of Commerce 175 George St. N. Peterborough 705.748.9771 www.peterboroughchamber.ca

5

Debra Bannister

MBA, PMP, Cert. Ad. Ed. Debra is owner of Meta Team Solutions and can be reached at 705.657.1470

bystuart harrison

i

positivematters Immigration and Diversity mmigration and diversity is a growing area of interest in small town Canada. The overwhelming reality is that approximately 95% of new immigrants who come to Canada settle in Toronto, Vancouver or Montreal. But what happens to those immigrants after they’ve been in Canada for five or ten years? Increasingly they are looking to smaller communities to find the lifestyle they perhaps envisioned when they first arrived. While the numbers are not overwhelming yet, many communities are positioning themselves to deal with the coming influx. The trends were highlighted in a recent presentation to the Chamber by Statistics Canada’s Doug Newson. The complete Powerpoint presentation is a download away at www.peterboroughchamber.ca however some selected stats include: •

Peterborough is indeed still the oldest Central Market Area(CMA) in Ontario with a median age of 42.8. (The youngest is Kitchener Waterloo at 36.4).

•

The percentage of foreign-born residents in Toronto is 45.7%, Peterborough is the second lowest in the Province at 9.4%, next to Sudbury at 6.7%.

•

Canada’s Fertility Rate has not reached the replacement level (2.2) since the early 1970’s (2006 was 1.59) Immigration makes up the rest!

•

•

In Peterborough approximately 40.2% come from Asia (including the Middle East), 29.5% from Europe, 12.1% from the United States.

The proportion of Visible Minority population in Peterborough is 2.7%, compared to a high of 42.9% for Toronto, a low of 2.1% in Sudbury, 10.3% in Oshawa, and 16% in Ottawa

•

New Canadians coming to Peterborough come from over 50 source countries. Top source countries or regions are South America, China, Philippines, Korea, England, USA. Middle East and South Asia.

•

Top languages spoken are Spanish, Chinese, Korean, Tagalog, English, Arabic and Pashto.

•

New Canadians come to Peterborough for the following reasons: • A family member already lives here, • For work. Companies with significant New Canadian employees are: GE Canada, SJS Lakefield Research, Trent University and Fleming College • Private Peterborough homes as live-in caregivers.

• Casa Maria Refugee Homes.

• To study at Trent and Fleming College.

• Secondary migration from the GTA.

•

4

thevoiceofbusiness

Top requests for services from clients are employment, language training and immigration related services.

Growth in our immigrant population is not only inevitable, but necessary. So what is our community doing to deal with both current and future immigrants?

1.

The newly formed Peterborough Partnership Council on Immigrant Integration (PPCII) is working on an Immigrant Integration Strategy in order to increase education and awareness, develop new services, involve established community members in immigrant integration, and work towards a diversified workforce. The PPCII believes that immigration is essential for long-term social, economic and environmental community health and quality of life.

The Chair is Cath D’Amico, Manager of the ESL Program at Trent University.

an advocate and resource partner for new Canadians, and to promote acceptance of new Canadians through education and awareness projects. Call 705-743-0882. www.nccpeterborough.ca 3.

2. The New Canadians Centre Peterborough, at 205 Sherbrooke Street, is the lead agency for the PPCII, and has a mandate to support immigrants and refugees and ease the process of adjusting to a new life in Canada, to provide settlement services, act as

The Community Race Relations Committee of Peterborough was established

by City Council in 1981 in response to a series of racist attacks on Nigerian students studying at Trent. The aim of CRRC is to promote positive race relations in the Peterborough area.

They provide education, consultation, and capacity building services to the community. Current projects include the PPCII, an online anti-racism resource centre, and ongoing educational programming. Their office is located at 205 Sherbrooke St, Unit D, housed in the same building as the New Canadians Centre.

Call 742-9658.

4. 1. new Canadians coming to Peterborough come from over 50 source countries.

Top source countries or regions are South America, China, Philippines, Korea, England, USA. Middle East and South Asia.

2. Top languages spoken are Spanish, Chinese, Korean, Tagalog, English, Arabic and Pashto.

3. New Canadians come to Peterborough for the following reasons: a family member already lives here, for work (examples of companies with significant new candian employees are: GE, SJS Lakefield Research, university and college + private Peterborough homes/ families for live in caregivers; Casa Maria Refugee Homes; to study at Trent and FC and secondary migration from the GTA; 4. top requests for services from clients are employment, language training and immigration related services.

onthecover: New Canadians Centre Our front cover photo this month features three people who are deeply involved in local immigrations issues (see feature story on page 4). They are Carmela Valles, Executive Director of the New Canadians Centre, Cath D’Amico, Chair of the Peterborough Partnership Council on Immigrant Integration, and Manager of the ESL Program at Trent University, and Rachel Gurofsky of the Race Relations Committee.

Left to right: Rachel Gurofsky (seated), Carmela Valles and Cath D’Amico

thevoiceofbusiness

5

by debra bannister

CHANGEmatters

t

Appreciative Inquiry Creates A Positive Change Experience ransformational Change is difficult and complex at the best of times. One such technique that has been rapidly gaining popularity in leading companies is a technique called Appreciative Inquiry (AI). Organizations are centers of human relatedness, first and foremost, and relationships thrive where there is an appreciative eye—when people see the best in one another, when they share their thoughts, dreams and ultimate concerns in affirming ways, and when they are connected in full voice to create not just new products but better organizations.

AI is about the search for the best in people, their organizations, and the relevant world around them. AI involves the art and practice of asking questions that strengthen a system’s capacity to heighten “positive potential”. AI theory suggests human knowledge and organizational destiny are interwoven. To be effective as executives, leaders, change agents, etc., we must be adept in the art of understanding, reading, and analyzing organizations as living, human entities. Knowing our organization and ourselves stands at the center of any transformational beginning and every attempt at change. Inquiry and change are not separate moments, but are simultaneous. To inquire is to change how we view the present moment in time. The questions we ask set the stage for what we “find”, and what we “discover”. The way we view and know our employees and our organizations is fateful and eventually becomes our destiny.

The way we view and know our employees and our organizations is fateful and eventually becomes our destiny

The cycle begins with the thoughtful identification of what is to be studied— affirmative topics. The topics selected become the organization’s agenda for learning & innovation. Topics are not viewed as problems to be solved and gaps to be closed but instead as affirmative opportunities to create new and competitive products and services. This approach has the added benefit of creating new knowledge and minimizing defensiveness and resistance that often occurs when we revert to a problem-centered approach.

The process of Appreciative Inquiry involves 4 steps: 1. Discovery—mobilizing a system of meaningful questions into a positive change core; 2. Dream—creating a clear results-oriented vision in relation to the newly discovered potential; 3. Design—creating possibility propositions of the ideal organization in which people feel is capable of expanding the positive core and realizing the articulated new dream; and 4. Destiny— strengthening the affirmative capability of the whole system to build hope and momentum around creating processes for learning, adjustment, and innovation So take a moment today to affirm and appreciate what is to come in 2009.

When everyone works together to discover their strengths and envision a positive future, the sky’s the limit!

“we GOT ONE!” Sara & Bruce Canadian Distribution Channel Peterborough

PROVIDING BUSINESS LOANS FOR NEW AND EXPANDING BUSINESSES. Competitive rates, flexible terms, start-up information, business planning and business counselling!

Helping your business get to the next level.

Call 705-745-5434 Visit us at 351 Charlotte St. in Ptbo or on the web www.cdc.on.ca

w w w. c d c . o n . c a

6

thevoiceofbusiness

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7

Upcoming Events... businessafterhours tuesday april 7th, 2009 Quality Professional Service

location: Discovery Dream Homes, 4 McCloskey Rd time: 4:00 - 6:00 pm cost: Free, Compliments of OLG Slots at Kawartha Downs please note: Pre-registration is required for this event.

breakfastclub tuesday april 14th, 2009 location: Carousel Restaurant, 116 Lansdowne Street East time: 7:30 am cost: Pay for your breakfast please note: You do not need to register for this event.

newmembers’reception thursday april 16th, 2009 1840 Lansdowne St. W., #14 Peterborough, Ontario K9K 2M9

location: Chamber of Commerce Board Room time: 4:00 pm – 6:00 pm cost: Free please note: Pre-registration is required for this event.

Phone: (705) 749-EXIT (3948) Website: www.exitrealtyliftlock.com

clublaurus thursday april 23rd, 2009 location: Mexicali Rosa’s, 320 Water Street time: 5:00 pm – 7:00 pm cost: $5 at the door please note: Pre-registration is required for this event.

8

thevoiceofbusiness

Looking Ahead – May/June ’09

Growing your business...t o ge t h e r !

businessafterhours tuesday may 5th, 2009 location: Phoenix Alternative Learning Centre, 1097 Water Street time: 4:00 - 6:00 pm cost: Free, Compliments of OLG Slots at Kawartha Downs please note: Pre-registration is required for this event.

• Competitive rates on commercial loans and mortgages • Flexible payment options • Local credit approvals

www.kawarthacu.com

breakfastclub tuesday may 12th, 2009 location: Carousel Restaurant, 116 Lansdowne Street East time: 7:30 am cost: Pay for your breakfast please note: You do not need to register for this event.

clublaurus thursday may 28th, 2009 location: Mexicali Rosa’s, 320 Water Street time: 5:00 pm – 7:00 pm cost: $5 at the door please note: Pre-registration is required for this event.

businessafterhours tuesday june 2nd, 2009 location: MEDIchair – Home Medical Equipment Specialists

550 Lansdowne St West time: 4:00 - 6:00 pm cost: Free, Compliments of OLG Slots at Kawartha Downs please note: Pre-registration is required for this event.

wednesday june 10th, 2009 location: Kawartha Golf & Country Club time: Lunch from 11:00 am – 12:45 pm

1:00 pm Shotgun Start cost: $150.00 + GST per person Sponsored by Cabinetree and Higgins Hardwood Flooring Pleae Note: Many opportunities available to promote your business. For more information contact Cathy at 748-9771 ext. 214 or email at cathy@peterboroughchamber.ca

registrationinformation Unless otherwise specified, registration is required for all Chamber events. To register, please call 748-9771 Ext. 0 or email register@peterboroughchamber.ca.

Peterborough Omemee • Bobcaygeon

(705) 742-4245 • 1-800-387-1627 www.darlinginsurance.net

youradhere

38thannualgolftournament

Proud of Our Past, Positive About Our Future

to check for availablity and secure your spot contact: Anne Arnold 705.748.9771 x200

thevoiceofbusiness

9

MEMBERmatters headlines Peterborough Volkswagen Moving to New Location

After 40 years at the corner of Reid & McDonnel St., Peterborough Volkswagen is making changes. During the month of April, Peterborough Volkswagen will be moving to their new location at 500 Towerhill Rd., across from Sobeys in the north end. The staff and management are excited about their new building and the opportunity to showcase their state-ofthe-art Volkswagen “marketplace” facility.

With the convenience of a larger lot and display space, Peterborough Volkswagen can now showcase the Volkswagen brand along with its fine selection of Certified Pre-Owned Vehicles.

Gord Arnold Home Inspections Now Certified in Asbestos Removal

Gord Arnold, of Gord Arnold Home Inspections, has recently been certified in “Asbestos Removal”. He also has completed his “Odor Control” designation through the IICRC (Institute of Inspection Cleaning and Restoration Certification). These new qualifications will add to his accreditations of “Water Remediation” and “Mould Remediation”. Gord is a “Certified Home

McGraw Hill Research studied 600 corporations during the 1981-82 recession and found that the ones who went “dark” grew an average of 19% in the five year period of recession and recovery.

In contrast, companies that maintained or increased exposure grew an average of 275% in the same five year cycle.

Clearly it pays to be courageous in a receding economy.

Ricardo Pereira Klout Marketinig Norwood, ON www.klout.ca 10

thevoiceofbusiness

Inspector” through the NACHI (National Association of Certified Home Inspectors) and now has the knowledge, as well as the experience, of giving you peace of mind at home, and at your business. Let Gord take away your pain. For more information call Gord at 705-875-1557 or visit www.gordarnoldhomeinspections.ca.

Arctic Spas Receives 2008 Dealer of the Year Award

Arctic Spas Durham was recently awarded a 2008 Dealer of the Year award for Canada.

The award was given by Arctic Spas to the top performing Arctic Dealer for Customer Support. Arctic Spas Peterborough is owned and operated by Arctic Spas Durham. Arctic Spas has also recently launched a new website, which provides detailed information on their products, as well as a “build a spa” option. For more information, visit www.arcticspaspeterborough.com

Soehner Displays and Exhibits Inc. Wins Readers’ Choice Award

Soehner Displays and Exhibits Inc. have won the 2008 Durham Business Times Readers’ Choice Award for Display Equipment. Soehner Displays and Exhibits provide Trade Show Displays, Banner Stands, Literature Racks and other promotional products for your business.

To find out more, call 905-655-7487 or visit them online at www.soehnerdisplays.com.

Strandgaard Consulting (The Utility Company) Wins Robotic Painting Arm Contract

Strandgaard Consulting, with over two decades of innovation and experience in the industrial paint automation, recently announced that it has won a contract to design and build a prototype robotic painting arm to be used in the oil fields around the world.

Once the prototype is approved, production should commence

immediately. This contract should bring several highly skilled jobs to the City of Peterborough within the next several months and expand the technology base within Peterborough. Strandgaard, which operates the local IT franchise The Utility Company, is owned by Peter Struwing.

For more information on The Utility Company check out their website at www.theutilitycompany.com or call them at 705-775-1000.

Adirondack Technologies Inc. Awarded Government Contract

Adirondack Technologies was recently awarded the contract for Public Works and Government Services Canada – Food and Furniture Division, to provide free-standing furniture. Adirondack Technologies Furniture Inc. is aboriginalowned and operated and offers a complete furniture solution, specializing in office systems design, reconfiguration, installation, and custom furniture design.

For more information, please contact Adirondack Technologies at 705-295-7430.

Morrison & Hollingsworth and Collins Barrow Kawarthas LLP Merge

The partners of Morrison & Hollingsworth Chartered Accountants are pleased to announce the merger of their practice with the offices of Collins Barrow Kawarthas LLP. The merger, which was effective March 2nd of this year, will create the largest full service Chartered Accountant firm in the area, with a staff of over sixty accountants offering accounting and auditing services throughout the region. The office will have a full-time tax department with three practicing income tax specialists, an IT specialist and a business valuations department. The office will remain at the same location and they can be reached at the same phone and fax numbers until arrangements can be made to merge the two existing Peterborough offices into one location. For more information they can be reached at 705-745-4657.

Does your business have some new and exciting news to share? If so, please submit your information (approximately 75 words) to info@peterboroughchamber.ca by the 1st of the preceeding month for inclusion in the next month’s issue (i.e. February’s newsletter, January 1st deadline). Please note that information will be printed at the General Manager’s discretion.

newmembers

welcome to our new members who joined the Chamber from Dec 05, 2008 - Mar, 2009

Aaron’s

Charlotte Video

Green Window Works Inc.

Ken Daniel Graffiti Removal

Appliances, Electronics & Furniture Jeff Caldwell (705) 748-2800 www.shopaarons.ca

Art Galleries, Museums & Entertainment Genevieve Gilbert (705) 745-4337

Glass & Glazing Verne Windrem Ehren Davey (705) 772-7002

Graffiti Removal Ken Daniel (705) 799-1176

CPR & R Industries

Hickory Dickory Decks

Computers Eric Martin (705) 872-2919

Residential Construction Mary Anne Barnett (705) 927-6428 www.hickorydickorydecks.com

Body Bliss Esthetics Beauty Salons, Fitness, Spas & Tanning Catriona Krampitz (705) 927-8564

Green Street Sporting Goods Verne Windrem (705) 775-4545 www.green705.com

Ken Daniel Complete Asphalt Repairs Ltd. Paving, Sand & Gravel Ken Daniel (705) 799-1176

Residential Construction Clint Hoyle (705) 799-7777 www.pds.ca

Stoney Lake Fine Homes Residential Construction Henry Schmied (705) 654-4277 www.stoneylakefinehomes.com

 please utilize their services whenever possible 

membertomember

Gifts & Gift Baskets Kate Kidd (705) 742-4390 www.basket4u.ca

savings program

Basket Express

Paul Davis Systems of Peterborough & Kawartha Lakes

Check out the downloadable flyer on the Chamber website at peterboroughchamber.ca for a complete listing of all the great savings you and your employess can enjoy by simply being a member of the Chamber.

NEW this month:  Just a Little Something Offering a corporate discount of 10% off any basket order over $75.00

Jenn Hancock www.justalittlesomethingon.com 705-748-4950 Gift Baskets for every season, reason & occasion!

thevoiceofbusiness

11

Chamberevents clublaurus

Club Laurus Profile Winner

Mexicali Rosa’s ď‚ by Jef Dueck (91.9BOBFM/Country103/Energy 99.7) , Committee Co-chair On February 26th Club Laurus met once again at Mexicali Rosa’s...and things got really interesting! After a little food and drink, everyone was asked to take a seat in one of the groupings of chairs in the room.

Once seated we went around the room and gave a quick introduction - as always, we had some first time attendees! After making it around the room, we began an evening of ‘Speed Networking’ (not to be confused with ‘Speed Dating’)!

We handed out three questions to each group in the room. Everyone with a question was to read the question out loud to the group and provide their individual answer to that question. Questions ranged from “What are the current trends in your industry and will they become fashionable?� to “What is the dumbest thing your boss has ever asked you to do?� After a

Congratulations to Denise Olver of Peterborough Golf & Country Club

few minutes, once everyone answered their question, we mixed up the seating and went again with new questions, and continued this process until we had gone completely around the room. We learned a little more than expected about the others in our group and, needless to say, there was a lot of laughter! It was a great exercise because there was also a lot of in-depth discussion and self-reflection on a level that we normally don’t get to by simply networking with our usual pleasantries.

Peterborough Golf and Country Club is a Traditional Stanley Thompson Championship course located minutes from the downtown core, being Peterborough’s only truly Private Members Golf & Country Club.

The new facility offers their Members exciting opportunities for team building, client entertainment, incentives and rewards which encourage members to develop strong relationships with their customers, coworkers and community.

Membership provides unlimited golf and curling, while enjoying the many social activities of the new Clubhouse.

The New Clubhouse provides function space to accommodate 10-200 people for public or community business and social events.

For more information contact Denise Olver 743-5010 or ptbogolf.denise@nexicom.net

Club Laurus meets on the 4th Thursday of each month, from 5 to 7pm at Mexicali Rosa’s, with several tasty appetizers provided! All employees of Chamber Members are welcome to join us - register now by calling the Chamber 748-9771 ext. 0, or email register@peterboroughchamber.ca

Peterborough’s #1 Source for News and Information in Print and On-line.

www.peterboroughexaminer.com

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sponsored by:

businessafterhours

Jan 6  by Bob Behan (The Protectors Group), BAH Committee Chair AON’s newest retirement community, Canterbury Gardens, is a magnificent structure to view as you drive by the brand new retirement centre on Sherbrooke St. West. This impression is pale however compared to the one that “hits you” upon entering it. The facility is an inspiring and stunning place, representative of the next generation in retirement living.

tours throughout. The residence features 137 suites, an in-home theatre, a beauty salon, a salt water acquafit pool, a state of the art fitness centre, an internet and computer room, a library, a licensed pub and even a putting green. A full-time Activity Director helps clients to energize their minds and bodies, while an on-staff physician and nursing personnel are available to attend to health issues.

Kerri Davies and the friendly people of Canterbury Gardens hosted the March Business After Hours reception.

Approximately 120 Chamber members enjoyed visiting the resort-like setting, while socializing with existing and potential business contacts.

Canterbury Gardens is a leading-edge retirement centre that combines the best features of your favourite resort with the traditional comforts of home.

Thank you for inviting us into your home. We are very impressed!

Staff members, who proudly showed off the facility attributes, conducted guided

thevoiceofbusiness

13

breakfastclub

February  by Bob MacLeod, Breakfast Club Committee Co-chair Our speaker on Tuesday, February 10th was to be Mary LaRocque of Marlin Travel.

Unfortunately, Mary was bit by the flu bug that has been rearing its nasty head for a lot of people this winter.

Betty Johnson, Sales Representative, of Century 21 United Realty and also a Mortgage Agent of Centum Core Financial Inc. was able to fill in. Betty spoke to us about interest rates being historically low.

For example: • 1980 the five year posted rates were 21% • 1990 the same five year posted rate was 14.25% • 2009 the five year rate is now 4.29% and continuing to drop

Betty also touched on the real estate market in Peterborough. It is becoming a buyers market. Homes are still selling but the average days on the market for single family residential homes in the City of Peterborough is 75 days.

Buyers are still out there looking but your home needs to be priced right on the mark otherwise it is going to sit and people will buy something else.

She was also the number one selling sales representative at Century 21 United Realty for 2008. If you have any mortgage or real estate enquiries, give Betty a call at 749-7934.

I am a dealer with Ecoquest and have been taking online courses with NORMI (Nation Organization of Remediators and Mold Inspectors). With this training, I have learned that most people require air purifiers in their homes because of mold, bacteria, smoke dust mites, etc. Ecoquest products remove even the smallest particles and kill bacteria on surfaces with Active Pure Technology. If you know someone that is constantly sick in their home or office please give me a call, I can help. My motto “We take the Solution to The Pollution”.

20 Years Experience in Employment Litigation Matters.

Some points about your credit history: • Make your payments on time.

Downsizing? Right-Sizing?

Know Your Rights.

• Don’t be applying to a lot of different lenders for credit as it will reduce your credit score.

• Check your credit from time to time as identity theft and credit card theft is becoming rampant. There may be items showing up on your credit that is not yours and will affect your ability to borrow in the future.

If you have concerns about your rights as an employer, call me.

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14

Congratulations to Wayne Glancy of Clean Air Water & Power

www.activepure.com/wayne2952 Wayne Glancy Air Quality Specialist 705-749-6209 wayneg2952@gmail.com

She also talked to us about why Canada is in much better shape than the US. We have been much more conservative in our lending than the US. Our banks are very strong and not asking for handouts like the big banks south of the border.

Get the Phone!

Breakfast Club Winner Profile

thevoiceofbusiness

Bruce Fitzpatrick 742-1674 www.locklaw.ca 20 Years Experience in Employment Litigation Matters.

benefacts

by Brian Bulger

An Employer’s Obligation to their Employees Once an employer has a benefit plan in place for their firm they are obligated to inform their insurer whenever their employee’s earnings change. The purpose of keeping employee’s earnings current is to ensure that their disability coverage stays current. Failure to do so could be a costly mistake for any employer, because if an employee becomes disabled and they receive less disability income than what they are eligible for, the employer could be held responsible by the employee for the shortfall.

In January of every year, the Administrators of the Chambers of Commerce Group Insurance Plan mail a form called the Annual Firm Update to each and every firm who is insured on the Plan.

The form provides a list of all of the employees who participate in a firm’s benefit plan as well as each person’s gross monthly earnings. It also shows the dates of birth of each

participant, asks if there has been any changes to anyone’s earnings and provides a place to show everyone’s current earnings.

The reason this form is sent out in January each year is because many firms use December 31st as their year end. Therefore, for many employees January is a time for raises and other income adjustments.

Most other group benefit insurers use the annual renewal date of their firm clients group plan to remind clients to update their employee’s earnings.

As an increase in income will provide a higher level of disability coverage, many employees will be asked to provide medical evidence for proof of their good health. It’s typical for an insurance company to request eligible employees to complete and submit health statements for underwriting.

Please note: the Chamber & Licensing Offices will be closed on the following dates: n Friday, April 10th, 2009 – Good Friday n Monday, May 18th, 2009 – Victoria Day n Wednesday, July 1st, 2009 – Canada Day n Monday, August 3th, 2009 – Civic Holiday n Monday, September 7th, 2009 – Labour Day

Additional questionnaires and a visit by a Nurse for further medical information may also be required.

Employees don’t have to apply for the excess disability coverage if for some reason they don’t wish to, as it’s their choice. Not wanting to pay the additional premium cost or having a pre-existing health condition that would cause them to be declined the excess coverage are two reasons that come to mind why an employee may not want to apply.

In addition to notifying your insurer of the changes to earnings right when they take place, a firm should retain the document which shows their actions.

This article has been brought to you exclusively by your Chambers of Commerce Group Insurance Plan Agent/Broker, Brian Bulger. For more information, Brian can be reached at 741-1400.

If the tooth fairy won’t pay your dental bills,

WE CAN!

HELP IS HERE, WITH AFFORDABLE GROUP COVERAGE DESIGNED SPECIFICALLY FOR SMALL TO MEDIUM SIZED BUSINESSES. See why over 20,000 business owners selected this plan!

n Monday, October 12th, 2009 – Thanksgiving n Thursday, December 24th, 2009 – Christmas Eve (Close at 2pm) n Friday, December 25th, 2009 – Christmas Day n Monday, December 28th, 2009 – Boxing Day n Thursday, December 31st, 2009 – New Year’s Eve (Close at 3pm) n Friday, January 1st, 2010 – New Year’s Day

Brian Bulger

(

1.877.277.0677 www.chambers.ca

)

p. 705.741.1400 f. 705.741.1225 e. bbulger@thelifeinsuranceguy.com w. thelifeinsuranceguy.com

thevoiceofbusiness

15

HEATHER HARVEY Certified General Accountant

Providing small to medium sized businesses and entrepreneurs with accounting and financial management services.

469 Water Street Peterborough, ON K9H 3M2

Here’s myCard

Bus: (705) 743-8200 Fax: (705) 748-0225 Email: hharvey@ontariobusiness.net

• Reach over 1500 members of the Chamber, plus members of Sales & Ad, Women’s Business Network, Kawartha Manufacturers Association, Home Builders Association, plus major industrial and non-industrial employers • $95 / mo. with a 6 month commitment – Full Colour • Back Cover exposure!

Call Anne Arnold at 748-9771 x200 to book your spot, first come-first served.

MARTIN WORMALD

President

RENT SECURITY SYSTEMS LTD. Burglar Alarms - Fire Alarms - Closed Circuit TV Fire Extinguisher, Distress Alarms ULC Alarm Monitoring P.O. Box 2481, 480 The Parkway Peterborough, ON K9J 7Y8 Tel: 748-2001 Fax: 748-2041 Email: martin@trentsecurity.com Website: trentsecurity.com

Martin Boruta President

martin@shawcomputer.com

1434 Chemong Road, Unit 1 & 2 P.O. Box 2379 Peterborough ON K9J 7Y8 Telephone: (705) 742-2204 Fax: (705) 742-8312