November 2009

November 2009

the

Vol 2 Issue X

of

HST

Dispelling the Myth Prosperity Tradeshow

A huge success!

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

a monthly publication of

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Contact Jennifer Hancock at 705-748-4950 www.justalittlesomethingon.com inquiries@justalittlesomethingon.com

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youradhere

Just a Little Something

Meet the Chamber’s Marketplayocu toebe. seen

for Here is the location ber members and am Ch 00 15 er by ov Peterborough and business groups in the Kawarthas. per unit (max.

For just $65.00 ), you can list 4 connected units ice or promotional your business, serv h. nt message each mo unt for a 6 month Receive a 5% disco discount for a commitment, 10% ent.

12 month commitm

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

5-748-9771 x200 Call Anne Arnold at 70 come-first served. t firs to book your space,

The Holidays are coming...

don’t forget to book your party soon, before it’s too late!

Join us at Kawartha Golf & Country Club for our Daily

HOLIDAY FESTIVE LUNCHEON BUFFET

From 11:30 am, November 24th until December 18th Only $12.95 per person, Perfect for your lunch or office Holiday Party, in our 19th Lounge

Reservations for larger groups encouraged

To view our impressive menu visit our website at www.kawarthagolf.ca

CHRISTMAS PARTIES

Kawartha Golf & CC offers outstanding banquet rooms beautifully decorated for the Christmas season. Our large panoramic windows overlooking the golf course create the perfect ambiance as you celebrate the season with friends and colleagues.

KAWARTHA GOLF & COUNTRY CLUB www.kawarthagolf.ca

For more information or reservations:

Wayne Umphrey

743-3737 ext. 222

catering@kawarthagolf.ca

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

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

4 6 8 14

inside HST Dispelling the Myth

Business Matters

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

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

5

ecoflyers

7 10

Prosperity Tradeshow - A Huge Success!

new members

11 12

Upcoming Events

chamber events - business after hours - breakfast club - club laurus benefacts

15

here’s my card

16

your chamber News from the CCC News from the OCC

the voice of business managing editor cynthia hamu editor shelley gauthier DESIGN treehouse studio Printing commercial press

contributors www.peterboroughchamber.ca

appointments

on the cover member matters

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 Kamran Qayyum Siemens Milltronics Process Instruments Inc.

regular features

stuart harrison Stuart is the General Manager of the Peterborough Chamber of Commerce and can be reached at 705-748-9771 x 202

www.peterboroughchamber.ca

yourstaff

Cathy Martin Cathy is the Event Coordinator/ Marketing Assistant at the Peterborough Chamber of Commerce and can be reached at 705-748-9771 x 214

bystuart harrison

HSTmatters

s

Dispelling the Myth ince the Provincial government announced the harmonization of the PST with the GST, there has been a slow but steady growth in the understanding of and support for the move. A recent online poll on the MSN Canada website showed that 77% of the over 20,000 respondents were in favour of harmonization. A non-partisan coalition of leaders from the business community recently demonstrated the broad-based support for sales tax reform in Ontario. Organizations include the Ontario and Canadian Chambers of Commerce, the Ontario Trucking Association, the Certified General Accountants of Ontario, the Retail Council of Canada, TD Bank Financial Group, the Toronto Board of Trade, Canadian Manufacturers and Exporters and the Canadian Council of Chief Executives.

The initiative has its detractors; however many of these are Political opponents who have a tendency to cherry-pick specific outcomes and demonize harmonization without explaining the full picture. It’s not just HST; it’s a package of changes, introduced in the spring 2009 Provincial Budget.

Here is a snapshot of some of the more common myths and misconceptions about these tax reforms, as well as the positive impact on business: • It will help business come out of the recession on a much more level playing field with its competitors by cutting the marginal effective tax rate on new investment in half.

• Like the GST, any HST paid by business will now be returned as input tax credits, a significant reduction in operating costs. The most common comment we receive on HST comes from those who provide professional services, lamenting the fact that they will now have to charge their clients 13% instead of 5%. What they don’t realize is that those clients will get that 13% back as an input tax credit, the same as the 5% GST now. At the same time, they themselves will be able to claim input tax credits on many of the products and services they purchase.

• In a Global economy, any savings realized by business are typically re-invested in new equipment, more staff, and lower cost to the consumer, all of which stimulates the economy.

• It removes layers of embedded taxes, approximately $5 billion, buried in goods and services.

Example:

“The HST will encourage investment by reducing the cost of purchasing most types of construction equipment and many products and services”

Example: Small Service Provider Dry Cleaner

Current Tax + Embedded RST Burden (2009)

Revenue: $200,000 Taxable Income: $20,000

$6,480 $290

Annual Savings

$1,100

$6,480

Retailer Current Tax + Embedded RST Burden (2009)

Revenue: $600,000 Taxable Income: $40,000

$7,560 $1,060

Annual Savings

$2,200

$4,960

$290 $200

$1,060 $400

Net Tax on Business Tax Payable (2010) $5,090

$5,030

$4,300

$960

$3,500

$800

$60

CIT

Embedded RST (Retail Sales Tax)

Sales Tax

Tom O’Callaghan, President, Ontario Road Builders Association.

CIT

Embedded RST (Retail Sales Tax)

Source: Ontario Ministry of Finance Example:

Impact of Proposed Sales Tax Changes and Tax Relief Single Parent on Ontario Works, 2 children (5 & 7)

4

YEAR 1

thevoiceofbusiness

$2,600 $1,800

$900

Sales Tax

Net Tax on Business Tax Payable (2010)

$1,395

YEAR 2

MATURITY

Example:

Example: Small Service Provider Dry Cleaner

Current Tax + Embedded RST Burden (2009)

Retailer Current Tax + Embedded RST Burden (2009)

Revenue: $200,000 Taxable Income: $20,000

$6,480 $290

Annual Savings

$1,100

$6,480

Revenue: $600,000 Taxable Income: $40,000

$7,560 $1,060

Annual Savings

$2,200

$4,960

$290 $200

$1,060 $400

Net Tax on Business Tax Payable (2010) $5,090

$5,030

$4,300

$960

$3,500

$800

$60

Small Service Provider Dry Cleaner

YEAR 1

Revenue: $200,000 Taxable Income: $20,000

$6,480 $290

Annual Savings

$1,100

$6,480

Embedded RST (Retail Sales Tax)

$1,125

$730

$730

$555

$565

$1,060 $400

$5,030

$4,300

$960

$3,500

$730

Payments Savings

($165)

($175)

Costs

($270)

$1,800

$900

$800

$60

CIT

CIT

MATURITY

$2,200

Net Tax on Business Tax Payable (2010)

Sales Tax

Sales Tax

YEAR 2

$1,395

$665

$1,060

$290 $200

$5,090

Embedded RST (Retail Sales Tax)

• A Single Sales Tax is recognized as smart taxation • With a few exceptions, everything currently by the majority of our competitors (more subject to GST will be subject to HST. The PST than 150 countries), and after Ontario and BC is literally eliminated, consumers pay one tax, harmonize in July 2010, by the majority of collected by the Federal Government. On the Example: Canadian Provinces. surface this is a dramatic shift, however the Impact of Proposed Sales Tax Changes and Tax Relief Example: combination of personal incomeSingle taxParent cuts, on Ontario Works, 2 children (5 & 7) The Advocacy pages on our website Retailer property tax credits (up to $250, Current Tax + Embedded Revenue: $600,000 or $625 for www.peterboroughchamber.ca have more information, RST Burden (2009) Taxable Income: $40,000 seniors), $7,560sales tax credits (up to $260), the $1000 including a number of charts which show the Annual Savings sales tax transition benefit, and a rebalancing impact on both business and consumers. $4,960 of business expenses vs. expenditures serves Tax on Business to minimize the impact.NetTaxHarmonization is Payable (2010) $2,600 estimated to increase consumer prices by only 0.7% (Sept. 18, 2009 report by TD Economics) which will be more than offset by the above Sales Tax CIT Embedded RST (Retail Sales Tax) measures.

Note, single parent with $11,532 in annual Ontario Works benefits, paying $620 in monthly rent, with no daycare costs.

“The move to a

Example:

Current Tax + Embedded RST Burden (2009)

CIT

Embedded RST (Retail Sales Tax)

Impact of single sales tax

Sales Tax Transition Benefit

Increase in Property and Sales Tax Cut

Net Impact

Example:

Example:

Impact of Proposed Sales Tax Changes and Tax Relief

Impact of Proposed Sales Tax Changes and Tax Relief Couple - $70,000 - Split between 2 earners, 2 Children

Single Parent on Ontario Works, 2 children (5 & 7) YEAR 1

YEAR 1

MATURITY

YEAR 2

$1,395

$665

$1,125 $730

$750

$565 $690 $80 Payments Savings

$730

Payments Savings

($165)

($175)

Costs

($270)

Impact of single sales tax

Sales Tax Transition Benefit

Increase in Property and Sales Tax Cut

MATURITY

YEAR 2

$1,355

$665

$730 $555

Costs

$2,600 $1,800

$900

Sales Tax

Net Tax on Business Tax Payable (2010)

$690

$80

$610

$610

$360 $610 ($330)

($380)

($605)

$80

$310

harmonized sales tax will bring Ontario into the 21st Century in terms of business input taxation and into conformity with tax norms in most of the industrialized countries”

Net Impact Impact of single sales tax

Note, single parent with $11,532 in annual Ontario Works benefits, paying $620 in monthly rent, with no daycare costs.

Sales Tax Transition Benefit

Increase in Property and Sales Tax Cut

Personal Income Tax Cut

Net Impact

David Bradley, President, Ontario Trucking Association.

Source: Ontario Ministry of Finance Example:

Impact of Proposed Sales Tax Changes and Tax Relief Couple - $70,000 - Split between 2 earners, 2 Children YEAR 1

$665

MATURITY

YEAR 2

$1,355

$750

$690 $80

$80 Payments Savings

Costs

$610

$610

($380)

($605)

Impact of single sales tax

Sales Tax Transition Benefit

Increase in Property and Sales Tax Cut

onthecover: $690 $80

$360

$310

$610

($330)

Our front cover features the Harmonized Sales Tax (HST). Stu Harrison’s cover story on pages 4 and 5 dispels some of the myths surrounding HST and provides valuable information concerning the harmonization of the current GST and PST. For further information on HST, please see Your Chamber on page 14.

Personal Income Tax Cut

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thevoiceofbusiness

5

by cathy martin

BUSINESSmatters

Prosperity Tradeshow 2009 The Chamber held its annual Prosperity Tradeshow on September 16th, and it was another wonderful success. This sold out event featured over 125 Chamber members showcasing their businesses and the products and services they have to offer. The Chamber would like to thank the following sponsors for being an integral part of this excellent event:

• Event Sponsor – MicroAge • Appetizer Sponsor – Ontario Power Generation • Internet Sponsor – Cogeco • Media Sponsors – Chex TV, The Peterborough Examiner, Star 93.3/107.9 The Breeze • Business After Hours Sponsor – OLG at Kawartha Downs • Alan Hill of Dominos Pizza for the wrap up party Check out what our exhibitors had to say!

Exhibitor Feedback Brian Stephenson, Treehouse Studio

Patric Marren, Nationwide Barter

We’ve prepared, schmoozed and now we reflect….

I want to start off by saying how much fun it was to be involved with Prosperity 2009. My company really needs to develop relationships and put a face to our company and as a community we are limited to options on where a large group of business people come and socialize and find that key new component to their company. The Peterborough Chamber of Commerce has developed exactly that; a show that brings people together both professionally and socially and the contacts that Nationwide Barter made will develop into very strong business for a long time to come. I am excited to say I will have a booth next year and will continue to support this show as long as it is in existence.

What is the value of the Prosperity Tradeshow? Actually, it’s immeasurable.

The opportunity to showcase my company’s services to such a broad range of people was extremely gratifying. I had many people drop by that were familiar with my company but didn’t realize the scope or the quality of my work – this is the beauty of the Prosperity Tradeshow – being able to showcase your business’ best assets in a fun, professional, no-pressure environment.

The results are starting to show even just after a couple of weeks, and my plan is to continue growing in the following months. I’m very glad I decided to participate and will definitely transition from a table to a booth for next year.

Thank you to all who stopped by for a visit and those who took the time to present your business to me while I mingled throughout the day.

If you haven’t been to a show, even as a guest, I encourage you to take the time next year and meet other business people like yourself. It only takes one contact to help grow your business. photos courtesy: Alan Pinn, Visual Eyez Creative

6

thevoiceofbusiness

The

ecoflyer

will provide portunity you with an op er-style to send your fly ways message three e of for one low pric

$ 225

Call Anne and book today!

Arnold, CSP Contact Anne e re, and reserv to find our mo e u e next iss . your spot for th

200 5) 748-9771 x

(70

Get More, for Less!

1 As a .pdf file on ou r “ecoFlyer” page on our website.

2 As a text-based m essage and hyperlink in one of our bi-monthly email blas ts.

3 As a 1/6 page ad on the “ecoFlyer” page in our Magazine.

Tuesday, November 17, 2009

ecoflyer Northumberland Manufacturers’ Association

5th Annual Conference

Mapping Your Future Success

1st Tri-Association Conference

November 17, 2009 8:00am to 4:30pm Best Western Cobourg Inn & Conference Centre

930 Burnham Street, Cobourg

Come to the annual High Performance Conference Learn from the best local and international experts, network with your fellow manufacturers and plan your own route to “Maping your Future Success!”

Members* $150 / participant Non Members $175 / participant *Members include: NMA, KMA, QMA 5% GST will be added to each registration.

Plus...

For full details and registration information contact:

You no longer have to print a flyer!

Charlene Smith

Northumberland Manufacturers’ Association Telephone: 905-372-8315 ext. 242 Fax: 905-372-2238 charlene.smith@thenma.ca

presents JOHN McDERMOTT: MEMORIES ARE MADE OF THIS featuring THE LEMMON SISTERS

An intimate concert with John McDermott...an artist whose sense of respect for tradition and understanding of the sentiment behind the music resonates worldwide.

Wednesday, November 25th at 2PM www.johnmcdermott.com

THE CHRISTMAS STORIES VARIETY SHOW

...with special guests, stories and songs for all ages.

Friday, November 27th at 8PM

BALLET JÖRGEN’S GROUP OF SEVEN NUTCRACKER

Ballet Jörgen Canada’s Group of Seven Nutcracker is becoming a national treasure destined to warm the hearts of young and old alike.

Wednesday, December 16th at 7PM www.balletjorgen.ca

KEVIN FOX

Multi-instrumentalist and singer-songwriter Kevin Fox combines guitar and cello with his charismatic voice, to create a unique and captivating musical tapestry of cello-driven folk/pop.

Thursday, February 11th at 8PM www.thecollectionagency.ca/kevin.html

MATTHEW GOOD

Award Winning Canadian Rock Musician!

Monday, December 14th at 8PM www.matthewgood.org

Call 705 742 SHOW (7469) • www.showplace.org

thevoiceofbusiness

7

November’s Upcoming Events... businessafterhours tuesday, november 3rd location: Kawartha Club Bingo, 1019 Clonsilla Avenue 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, november 10th location: Carousel Restaurant, 116 Lansdowne Street East guest speaker: Anita Record, The Canadian Cancer Society time: 7:30 am cost: Pay for your breakfast please note: You do not need to register for this event.

taxinformationforum tuesday, november 17th Proud of Our Past, Positive About Our Future

Peterborough Omemee • Bobcaygeon

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

Hosted by the Ontario Ministry of Revenue location: The Holiday Inn Peterborough Waterfront time: 7:45 am – 4:30 pm cost: Free admission to the full day forum, including the seminars please note: You can register for this event by: • Calling the Ministry of Revenue at 1 866 ONT-TAXS (668-8297), ext. 11123 • Online at Ontario.ca/revenue and click on ‘Events’ for more information • In Person at the Peterborough Chamber of Commerce

newmembers’reception thursday, november 19th For all new members since April 2009. Come out and network with fellow new members, meet the Board of Directors and utilize the available table space to display your products/services.

Please call Cathy for availability at 748-9771 ext. 214 or email cathy@peterboroughchamber.ca location: Chamber of Commerce Boardroom time: 4:00 pm – 6:00 pm cost: Free please note: Pre-registration is required for this event.

clublaurus thursday, november 26th location: The 2nd Floor Lounge, 172 Simcoe Street guest speaker: Tim Macdonell of Elite Sports Tours Inc. time: 5:00 - 7:00 pm cost: The 2nd Floor Lounge & the Historic Red Dog please note: Pre-registration is required for this event.

8

thevoiceofbusiness

Looking ahead...

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

businessafterhours tuesday, december 1st Christmas Social Join us at The Market Hall for our much anticipated Christmas Social as we merge both our Business After Hours and Club Laurus for a special holiday event.

This evening is always very popular as delicious food from many of our members in the Restaurant/Catering business is available for guests to sample!

If you would like to donate food for this event (appetizer, dessert, or something else!) please contact Cathy at the Chamber, 748-9771 ext. 214.

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

www.kawarthacu.com

location: The Market Hall, 336 George St. N. time: 4:00 - 7:00 pm cost: Free, Compliments of OLG Slots at Kawartha Downs please note: Pre-registration is required for this event.

breakfastclub tuesday, december 8th location: Carousel Restaurant, 116 Lansdowne Street East guest speaker: Cammie Jaquays, Pure Power Solutions, “How to Organize your 2010 Business Plan”. time: 7:30 am cost: Pay for your breakfast please note: You do not need to register for this event.

We are extremely excited to announce that OLG Slots at Kawartha Downs will be sponsoring our Business After Hours for 2010!

Wednesday, November 4th

Formal Networking Evening/ Multi-Level Market Fair Holiday Inn Peterborough Waterfront 6-7 p.m. – Social Hour & MLM Fair 7 p.m. – Dinner 8 p.m. – Formal Networking & WBN Speakers

A great opportunity to show the rest of the network what you and your business is all about! Come and get more aquainted with members and guests as we gather to share stories about our business, our passions, our dreams and how each of us has something unique to offer and share in return.

Join us for our first MLM Fair and speak to the entrepreneurial women who make up this growing business segment.

Next Month Wednesday December 2nd

Annual Christmas Dinner & Auction

Proceeds to the YWCA Crossroads Women’s Shelter.

An evening with silent and live auctions, live music and fabulous food. Donations for this event are being accepted NOW. Please contact the WBN to make your donation arrangements.

Mark your calendars now for our 121st Annual Chamber Gala, being held on Saturday, February 6th, 2010 at the Peterborough Golf & Country Club.

Our theme this year is Rocky Mountain Romance which is centred around our grand prize trip, sponsored by Cogeco.

Stay tuned for more details.

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

You can register for these events by visiting our WBN website at www.womensbusinessnetwork.net Cost is $35.00 per person and must be prepaid. Guest registration deadline for November’s meeting is Friday, October, 30th 2009 Don’t miss out on these wonderful opportunities.

Promoting and supporting women in business through personal and professional growth opportunities.

CUSTOM BUILDERS Decks, Gazebo’s, Outdoor Structures Creating the ultimate backyard Paradise!

Free Consultation

705-799-7874 / 1-800-263-4774 Gary or Mary Anne Barnett www.hickorydickorydecks.com thevoiceofbusiness

9

MEMBERmatters headlines Nancy Duncan Opens Wholly Health

Nancy Duncan is opening a new business in her building at 588 Monaghan Road.

Called Wholly Health, Nancy will provide natural and organic wellness products and therapies including nutritional consulting, reflexology, supplements, cleanses and numerous products for skin and hair, household and laundry, fitness as well as essential oils and organic teas and coffee.

For more information, please call (705) 741-0562.

Little Lake Cemetery Breaks Ground on Visitation and Reception Centre

Congratulations to the Little Lake Cemetery Company as they start work on their new Visitation and Reception Centre. The facility will be located at the Highland Park Cemetery at 2510 Bensfort Road, and will feature a memorial hall that can accommodate anything from the smallest service up to 250 people, as well as geo-thermal heating and an interior living wall, state-of the art sound system, private family rooms and outdoor patios. There’s more information online at www.littlelakecemetery.com or call (705) 745-6984.

Jack Magee’s Authorized to Complete Warranty and Maintenance Repairs for Saturn

Jack McGee Chevrolet Cadillac has been authorized by General Motors to complete warranty and maintenance repairs for Saturn owners. For details call Sandie Mason at Jack McGee’s at (705) 741-9000.

Jean-Luc Charron Joins Charterfield Consulting

Janet Hunter is pleased to announce a new service offered at Charterfield Consulting with the arrival of Jean-Luc Charron. Jean-Luc has over 23 years of management experience and has provided consulting services for the last 13 years. He is a Certified Management Consultant (CMC) and has extensive experience in performance measurement, risk assessment, decision-making frameworks, and program evaluation. Jean-Luc will also be involved with their Funding Applications services. For more information, please call (705) 741-0217 or visit them online at www.charterfield.ca

Renovations Underway at Peterborough Kia

Brian Norman, President of Peterborough Kia has recently announced that the dealership is undergoing a significant interior and exterior upgrade at its current location of 238 Lansdowne Street East, at Ashburnham Drive. Renovations, using all local trades, are expected to be completed sometime before Christmas. For more information, please call (705) 741-1188 or visit them online at www.peterboroughkia.com

SNAP Newspaper Group Makes the Profit Hot 50

SNAP Newspaper Group Inc. ranks #34 as one of Canada’s Emerging Growth companies as part of the 2009 PROFIT HOT 50 ranking. The findings of the 10th annual PROFIT HOT 50 ranking were published in the October issue of PROFIT magazine and online at www.profitguide. com. SNAP Newspaper Group, along with other young firms, was ranked by a two year revenue growth. For more information on SNAP Peterborough Inc., please call (705) 760-9220 or visit online at www. snappeterborough.com

Match Me Peterborough Offers Confidential & Comfortable Dating Experience

Match Me Peterborough is a new matchmaking service for the Peterborough area, recently launched by Rebecca Cooper. Match Me Peterborough offers an alternative to meeting someone online, or at a bar, by offering a membershipbased service where you are matched with another compatible single. The service has been attracting career professionals who may be too busy with their career to be in the dating scene, as well as newly retired or semi-retired individuals who have now found themselves to have some extra time in their life to spend with someone. Rebecca promises a confidential and comfortable experience. For more information visit them online at www.matchmepeterborough.com or call (705) 931-4721.

New Service Offered by Stealth Private Investigators

Stealth Investigations, through direct contact with owner/investigator Peter Moore, can supply an electronic key pad to clients who require background checks. In lieu of a police station CPIC check, often requiring six to eight weeks for a return, Peter will have a check returned through the participating police service within six minutes. They can conduct multiple searches at once for an organization or a check as required. For more information, please visit their website at www.stealthpi.ca

Buildings Offered for Rent on Highway 7 East

Partners Grant Hayes and Jay Lough-Hayes of Re/Max Eastern Realty are offering a unique rental opportunity in a new development at 1057 Highway 7 East. The two buildings, one featuring 20’ ceilings and 14’ roll up doors, the other with 10’ ceilings, are in a high traffic location and offering brand new energy efficient buildings. For more information, please visit their website at www.homesinpeterborough.com

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 Editor/General Manager’s discretion.

10

thevoiceofbusiness

Captain George’s Fish & Family Restaurant

Medical Equipment Sharon Canzi (705) 742-6134

Restaurants & Catering Kathy Marler, Gwen Hogg (705) 740-9776

BMT Insurance and Financial Services

Charterfield Consulting

Insurance Claude Gauthier (705) 745-1771 www.bmtinsurance.ca

Communications Janet Hunter (705) 741-0217 www.charterfield.ca

Bo Pizza

Children’s Montessori School Inc.

Restaurants - Take Out Patricia Mock (705) 749-3600

Education Brendan Connelly (705) 742-8442 www.childrensmontessorischool.com

Burley’s Gardening & Executive Garden Suite

The Creative Caring Centre

Accommodations Margaret Burley, Bob Burley (705) 745-8322 www.burleys.ca

C. O. Accounting Services

Coaching - Corporate & Personal Marg Buller (705) 292-9999 www.personalityteambuilder.com

Accounting & Bookkeeping Carbe Orellana (705) 201-1406

 please utilize their services whenever possible 

Einstein Aquatics

Jackson Creek Consulting Inc.

Pet Supplies Sean Cormican (705) 749-6215

Elderberry Herbals Health Care Practitioners Marianne Beacon (705) 748-4730 www.elderberryherbals.ca

Global Angel Charitable Organization Not-for-Profits Nicole White (705) 740-2645 www.globalangelcharity.com

Grass & Snow Workes Landscape, Lawn Care & Tree Services Shawn Flaherty (705) 761-7462

Impact Staging and Design

Consultants - Industrial/ Commercial & Project Management Sarah Majeski (705) 874-8397

M-Trilogix Software & Website Design Craig Read (647) 729-3969 www.m-trilogix.com

Match Me Peterborough Dating Services Rebecca Cooper (705) 931-4721 www.matchmepeterborough.com

Templeman Vending Food & Beverage Stores John Templeman (705) 761-8616

Interior Decorating & Home Staging Donna DuMoulin (705) 931-2381

“When I was looking into getting merchant services for my business, I discovered the scope of savings that Chamber members receive. The discount on start up fees, monthly fees and monthly rentals was equal to an entire year of Chamber Membership fees. Plus, there is significant savings on transaction fees. Many of these savings are ongoing. I decided to join the Chamber first!”

membertomember

Best of Hearing Centre

welcome to our new members who joined the Chamber from Sept 10, 2009 – Oct 9, 2009

savings program

newmembers

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

NEW this month:  Best of Hearing Aid Centre

Offering a 10% discount off batteries.

Sharon Canzi

705 742.6134

 Scholars

Marianne Beacon Elderberry Herbals

$200.00 off any program (excluding tutoring packages

& workshops) Valid to March 31, 2010.

Brian Nashman 705 742.4152

brian@scholarscanada.com

www.scholarscanada.com

thevoiceofbusiness

11

Business

Chamberevents

After Hours sponsored by:

businessafterhours

September  by Bob Behan (The Protectors Group), BAH Committee Chair Angels of Flight Some companies just make you feel good about them. Angels of Flight Canada Inc. is one of those companies.

The locally owned and operated health care company specializes in medical evacuation and intra facility transportation of ill and injured persons nationally and around the globe. They have extensively trained Registered Nurses, Paramedics and Physicians specializing in aero and ground transportation of patients.

Angels of Flight makes all of the transportation and patient care arrangements while also providing the appropriate hospital and receiving doctor in the country of your choice.

It is great to have this service as the logistics, finances and politics would be

overwhelming to most of us in such a stressful situation.

that Gail Courneyea has a good organization.

They also started Global Angel, which is a charitable organization committed to providing support for medical transportation to those in need of treatment, repatriation and benevolent needs regardless of financial status. They do fabulous work and deserve more thanks than words can describe. You can visit their web site www. globalangelcharity.com for more information.

Thank you for sharing your business with us.

Angels of Flight is another tremendously interesting and exciting Peterborough business.

Good people make good organizations and it is obvious

“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

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thevoiceofbusiness

breakfastclub

September  by Betty Johnson (Century 21 United Realty), Breakfast Club Committee Co-chair September’s Breakfast Club speaker was Rob Baker, General Manager of Acklands-Grainger discussing Pandemic Preparedness.

In an effort to help ensure the safety and well being of its employees and customers, Acklands-Grainger has developed a multifaceted flu pandemic response plan.

Rob suggests that all companies put together a plan in case of a potential pandemic, implementing a documented plan at each level of your organization which includes: • Identification of critical systems, roles and personnel; • Implementation of back-up plans; • Identification of personnel who can work from home; • Required departmental records and their locations • Names and contact numbers for each staff member, critical suppliers and customers;

• Identifying and ordering products which may be in higher demand during a pandemic; • Establishing communication vehicles to help employees and their families be prepared and pre-arranged communication meetings to maintain information flow; • Establishing specific policies/actions which will be implemented should the need arise; and • Creating checklists/tools to assist management.

While we all hope we won’t need to implement a pandemic plan, we need to establish contingency plans to educate staff, and have specific policies ready to be put into place should a flu pandemic affect our companies.

clublaurus

September  by Linsday Walker, Front Line Coordinator At September’s “Newbie Night” we welcomed many new faces, Club Laurus rookies invited to come and see what our monthly gatherings are all about. The regular networking portion involved an extra twist with “Business Bingo”. Attendees were challenged to meet nine new people and collect their signatures on bingo cards.

We then drew business cards instead of bingo numbers, until someone got three names in a row and yelled “Bingo!” Winners were rewarded for their networking know-how with fabulous prizes donated by fellow members.

Guests enjoyed the fresh air on the 2nd Floor Lounge patio and were treated to a delicious buffet of sushi and barbecued ribs provided

by Shawn Stephenson at Simply Sushi.

Thank you to the 2nd Floor Lounge for their gracious hospitality, and to Nationwide Barter for sponsoring Club Laurus. We look forward to seeing September’s “newbies” (and all other newcomers) at our next event!

sponsored by:

Breakfast Club Winner Profile Congratulations to iMagine Events Is there a special event you need help planning and facilitating? iMagine Events will work closely with you to plan….

Private Events: Weddings • Retirement parties Anniversary parties • Birthday day parties Family Reunions Corporate Events: Conferences/ Seminars Product Launch • Awards Banquets Tournaments • Marketing Promotions For more information, please contact Margaret Hamilton at (705) 295-1518 or send an email to marghamilton@nexicom.net

Club Laurus Winner Profile Congratulations to Alex Lamore, Interglobe / Financial Navigation Alex Lamore is an Associate with Interglobe Financial Services and Financial Navigation in Peterborough.

As an independent, Alex offers a wide range of services and products from top companies in the financial industry.

From GIC’s to Life Insurance to Group Benefits.

Contact Alex today at 1-705-740-9000 or alamore1@cogeco.ca for a no-obligation consultation today!

thevoiceofbusiness

13

Yourchamber by shelley gauthier

Canadian Chamber of Commerce Ontario Chamber of Commerce Government Urged to Remain Vigilant in Restoring Economic Growth, Confidence and Jobs In its pre-budget submission to the House of Commons Standing Committee on Finance, the Canadian Chamber of Commerce urged the government to remain vigilant in its efforts to restore economic growth, confidence, and jobs. A concerted effort is needed by all levels of government to ensure committed fiscal stimulus funds get out the door.

The up-front cost of these measures, combined with slower revenue growth, has resulted in a significant deterioration in the government’s fiscal position. A string of deficits is projected both in the near and medium terms. The Canadian Chamber called on the federal government to present Canadians with a viable plan on how it will balance its books and avoid long-term structural deficits. Rebalancing the government’s books sooner rather than later is imperative to regaining the fiscal flexibility needed to tackle areas that are crucial to our long-term competitiveness – in particular, high marginal personal income tax rates ( especially as they apply to individuals with modest incomes), and the challenges posed by an aging population.

The government must also address long-standing structural impediments that negatively affect the operation of markets, and the capacity of businesses to operate efficiently. This entails removing all internal barriers to trade and mobility, eliminating overlapping regulations, minimizing tax administration and compliance costs, and tackling the issues that impede Canadian market acce4ss opportunities internationally.

PETEWATERSPEC.AD:Quark ad template

6/19/09

2:52 PM

For additional information on Canadian Chamber of Commerce activities, please refer to their website www.chamber.ca

Businesses Unite in Alliance for Sales Tax Reform Recently, the Ontario Chamber of Commerce joined a group of nonpartisan business leaders to demonstrate the broad-based support for sales tax harmonization.

The Smart Taxation Alliance includes the Ontario Chamber of Commerce, AGS Automotive Systems, Canadian Chamber of Commerce, Canadian Council of Chief Executives, Canadian Manufacturer’s & Exporters Ontario, Certified General Accountants of Ontario, Ontario Road Builders’ Association, Ontario Trucking Association, Retail Council of Canada, TD Bank Financial Group, and the Toronto Board of Trade.

Positive impacts of a single sales tax, when combined with other announced tax reforms will include: • Cutting the marginal effective tax rate on new investment in half; • Encouraging business investment in Ontario and the creation of jobs; • Cutting in half the red tape suffered by businesses in Ontario in the collection, remittance and auditing of sales taxes, for an estimated annual savings of $500 million; • Removing layers of embedded taxes in goods and services throughout Ontario valued at roughly $5 billion; • Leveling the playing field with all goods and services in the economy so that all sectors contribute equally to revenue generation in the province; and, • Increasing competitiveness of Ontario business.

PageFor 1 additional information on Ontario Chamber of Commerce activities,

please refer to their website www.occ.on.ca

Always there...Always informed

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thevoiceofbusiness

E XAMINER THE PETERBOROUGH

benefacts

by Brian Bulger

The Importance of Beneficiary Designations For many benefit plan participants, naming a beneficiary for the life insurance portion of their firm’s group insurance plan is something that’s done at the time of enrollment and then it’s pretty much forgotten.

Not only is it quite important to designate a beneficiary, it’s something that should be reviewed from time to time, as it could provide protection to the insurance funds as well as to the assets of the insured person’s family.

When a person dies, having a designated beneficiary will ensure that the life insurance funds are paid directly to the beneficiary, whether it’s an individual, a number of people or an organization. It provides quick access to funds that might be needed for funeral costs and other important immediate financial needs.

Some people simply name their Estate as their beneficiary as they don’t feel it’s of much importance or they think it’s the right thing to do. And when there is no signed and dated beneficiary designation, the insurance settlement is usually made to a person’s Estate. The Estate’s assets normally cannot be distributed until the proper process has been followed.

This usually means that the will ( if there is a will ) may need to be probated ( which involves a 3% legal fee ) and final tax returns may need to be prepared for the If the tooth fairy deceased as well. won’t pay your

dental bills,

WE CAN!

HELP IS HERE, WITH AFFORDABLE GROUP COVERAGE DESIGNED SPECIFICALLY FOR SMALL TO MEDIUM SIZED BUSINESSES.

When a life insurance settlement is paid to a named beneficiary rather than to the Estate, the insurance money is protected from seizure by any creditors the deceased may have had.

Plan sponsors and administrators should remind their employees about the importance of designating a beneficiary and to inform the insurer if and when their wishes change. A change in marital status, for example, is a time to reconsider one’s beneficiary designation. I am quite sure that there are thousands of separated and divorced people in Canada who have overlooked changing their beneficiaries; Talk about having an unexpected surprise.

People need to put some time and thought into their choice of beneficiaries. Although it may seem like a nice thing to do, naming a girlfriend or nephew as a beneficiary, is neither practical nor fair if the people who would be responsible to pay for a deceased family member’s final expenses weren’t left any money to pay the bills.

Finally, a person can designate a beneficiary Revocable or Irrevocable on some group benefit plans. A revocable beneficiary allows the insured person to change their beneficiary anytime they wish providing they submit a request in writing to the insurer. If however an irrevocable beneficiary is designated, the insured person will require a written consent from the irrevocable beneficiary in order to make a change. And if a minor is named irrevocable their consent may be impossible to obtain. You can bet that that holds true for many ex-spouses too.

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.

See why over 20,000 business owners selected this plan!

Please note: the Chamber & Licensing Offices will be closed on the following dates: Brian Bulger

(

1.877.277.0677 www.chambers.ca

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

)

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 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

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

Hearing Tests Hearing Aids Repairs Latest Technology

Sharon Canzi,, B.C., B.C., H.I.S. H.I.S. 267 Charlotte St., Peterborough • 150 Strickland St., #4, Lakefield •

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MARTIN WORMALD

Great Golf... ...At A Great Price.

Kevin Fitzgerald President

890 Earl Ave. Ennismore, Ontario K0L 1T0 705-292-8065 Phone 705-292-8225 Fax 705-875-8403 Cell

705-742-6134 705-652-0089

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