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Celebrating 17 Years of Service Published and Owned by Schaffner Publications, Inc.
APRIL 2011 Vol. 17 No. 4
INSIDE THIS MONTH
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“The Business Voice of Erie, Huron, Ottawa, Sandusky and Seneca Counties”
Sandusky County
“Insourcing” Anyone? . ..........2
Fremont: State of the City Address
Chamber Calendars .........8
Excerpts from Mayor Terry M. Overmyer’s remarks in February of this year
Accounting: Reducing Costs ............. 12
I come before you this evening to report on the State of the City and to speak both frankly and candidly to the residents of
and across America. Please take time to remember those in the armed forces on active duty, the reservists and service members who have fallen in the line of duty. Think of the fearless men and women who put on a uniform every day to make freedom possible. I would very
our community, the fine employees of our city and to those at all levels of our government. If you have attended a State of the City address before, you know that I like to begin by thanking our military men and women who fight for the very freedom that we enjoy here in Fremont
much like to thank the elected officials who took time away from their schedules to be here today. My colleagues in City government who need to be recognized are City Auditor John Lauer, City Treasurer Holly Elder and especially the City Law Director Robert Hart for his great legal
Common Insurance Mistakes ......... 15 Selling in Tough Economic Times.............. 18 Legal: Dangers of Joint Tenancy . ........ 19 Well-Booked Business ......... 21 IT: Hidden Cost of Freeware . ... 24
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service to this community in 2010. Before I go any further, let me recognize Fremont City Council which is comprised of fellow citizens, with diverse perspectives, who are both compassionate and devoted individuals who love our City and who have been wonderful partners in so many of the endeavors I will talk about today. President O. Duane Simmons, Council members Don Nalley, Bob Marker, James Weaver, Richard Root, Larry Jackson, Jim Melle and Mike Koebel all who continue to move your City forward. I commend our employees for their faithfulness in carrying out their duties with integrity, given both the economic downturn and ever-increasing public scrutiny. Last year we asked them to continue to deliver high-quality, cost effective City services even while freezing their wages. We have asked them to do more with less and they delivered. There was no less demand for their work. No less need for police protection, for road repair, for water and sewer, parks and recreation and fighting fires. And through it all, they remained dedicated to Fremont. Weathering 2010 is also a great credit to Safety Service Director Sam Derr. I am happy to report he has made it through his first full year with the City as Safety Service Director, and is still here. Despite some challenges he has proved he was the right pick for this very important position. His leadership in these challenging times has been vital. Sam, thank you; and keep up the good work. Since I took office, my administration has been focused on both short-term and
See FREMONT, Page 5
We’re a proud member of the following: Bellevue Area Chamber of Commerce
Elmore Chamber of Commerce
Chamber of Commerce Erie County Chamber of Sandusky County of Commerce
Fostoria Area Chamber of Commerce
Huron Chamber of Commerce
Marblehead Peninsula Chamber of Commerce
Genoa Chamber of Commerce
Huron County Chamber of Commerce
Milan Chamber of Commerce
Oak Harbor Area Put-in-Bay Chamber Chamber of Commerce of Commerce
Vermilion Chamber of Commerce
Port Clinton Area Tiffin Area Chamber Willard Area Chamber Chamber of Commerce of Commerce of Commerce
2 April 2011
North Coast Business Journal
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You’ve heard about “Outsourcing.” What about “Insourcing?” By Jeffrey H. Bryden Editor
profits by cutting costs. And manufacturing costs were some of the first to go under the microscope. I’m departing We heard all about — we saw the from my monthly results — as plants here in Ohio were Marketing and closed and the work shipped to Advertising topics other U.S., primarily southern, cities. this month as an Then we saw these plants close and interesting release manufacturing operations were sent crossed my overseas. “Outsourcing” it was “e-mail desk” called...a new “business-speak” word recently...and I’ve that we all came to hate. not been able to forget its message. But that dark side of the coin, like There seems to be a tendency all coins, had a flip side, a brighter during economic slumps to pass side. That half-empty glass of water along sad, bad, or just plain terrible may have been half-full. What I’m business news. It’s the journalistic talking about is just the opposite of equivalent of taking a squirt gun full that evil word “Outsourcing.” It’s of gasoline to a fire that’s being called “Insourcing” and it’s all about fought. It doesn’t help at all – it just work coming into the U.S. makes matters worse. Here’s the text of the release sent Businesses for years have looked for me by the Organization for ways to maintain profits by building International Investment (OFII) in sales – and when that got to be Washington, D.C. OFII is a business impossible, they looked to maintain organization in Washington, DC that uniquely represents the U.S. operations of global companies i.e.: Siemens, Nestle, Nokia, Honda, Philips etc. From a nationwide standpoint, these companies employ 5.6 “The Business Voice of Erie, Huron, Ottawa, million Americans— Sandusky and Seneca Counties” nearly 5 percent of the 205 S.E. Catawba Road, Suite G, private sector Port Clinton, Ohio 43452 workforce. 419-734-4838 • Fax 419-734-5382
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JEFFREY H. BRYDEN jbryden@ncbj.net
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North Coast Business Journal is owned and published monthly by Schaffner Publications, Inc., and is mailed free to chamber of commerce members in a five-county area: Erie, Huron, Ottawa, Sandusky, and Seneca counties. The editorial deadline is the 25th of each month, with the advertising deadline the end of each month. No part of this publication may be reproduced or transmitted in any form without the expressed, written consent of the Publishers. We welcome submissions from readers in the form of letters, articles or photographs, although we reserve the right to edit and condense any articles submitted. Submissions should be sent to the editor at the above address. Include a stamped, self-addressed envelope if you would like an item returned. We prefer material (copy & photos) to be submitted electronically.
Insourcing
(in-sôrs-ing) v. When companies based abroad invest in the United States and create jobs for Americans. • U.S. subsidiaries of global companies play a vital role in Ohio’s economy, insourcing 231,600 jobs—an increase of 8.1 percent over six years. • Ohio ranks 7th in the nation in the number of jobs at U.S. subsidiaries.
• U.S. subsidiaries write paychecks to 5 percent of Ohio’s private-sector workforce. Manufacturing Jobs • Ohio ranks 3rd in the nation in the number of manufacturing industry jobs at U.S. subsidiaries. • More than 55 percent of jobs at U.S. subsidiaries in Ohio are in the manufacturing industry— accounting for 129,900 jobs. Greenfield Jobs • U.S. subsidiaries announced 48 Greenfield projects* in Ohio last year, creating an estimated 3,328 new jobs. • U.S. subsidiaries invested an estimated $2 billion in Ohio Greenfield projects last year. *GREENFIELD PROJECTS: a capital investment to build a new plant, factory or other business. Greenfield statistics were prepared by Content First, LLC using fDi Markets. Unless noted otherwise, statistics are the latest publicly available government data from the Bureau of Economic Analysis, http://www.bea.gov/ AEGON USA Air Liquide America Akzo Nobel ALSTOM BAE Systems BASF bioMerieux, Inc. Boehringer Ingelheim BOSCH BP Bridgestone Americas Daimler Electrolux North America Ericsson Evonik Degussa Experian Givaudan GKN America Corp. GlaxoSmithKline Hanson North America Heineken USA Honda North America HSBC North America Holdings Huhtamaki
Iberdrola Renewables InterContinental Hotels Group John Hancock Financial Services Lafarge North America L'Oreal USA Magna MillerCoors Mitsubishi Electric Nestlé USA, Inc. Novartis Novelis Corp. Oldcastle, Inc. Panasonic Corp. of North America Philips Electronics North America Randstad Reed Elsevier Rexam Rolls-Royce North America Inc. Saint-Gobain SAP America Shell Oil Company Siemens Sodexo Solvay Square D Tata Group TE Connectivity Teva Pharmaceuticals USA Thomson Reuters ThyssenKrupp Bilstein of America Tim Hortons T-Mobile USA TOTAL Holdings USA Toyota Motor North America Tyco International Voith Holdings, Inc. Volvo Group North America Westfield LLC WPP Group USA XL Global Services Zurich North America (More about Ohio can be found at www.ofii.org/jobs/oh) It’s an impressive list — and a growing one too. The North Coast Business Journal is all about plane landings, not plane crashes. And, as we look around our corner of the state, I hope you’d all agree that there’s a lot of good news to share. “Insourcing” is just the beginning of it. Maybe the tide’s coming back in?
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North Coast Business Journal
April 2011
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“Out with the Old, In with the New… and Bringing back the Best…”
2011 Theme Song for Chamber of Commerce of Sandusky County The Chamber of Commerce of Sandusky County has charged into 2011 with an “Out with the Old, In with the New, and Bringing back the Best” approach to addressing business and community needs for their 2011 programming year, according to Holly Stacy, Chamber President/CEO. “As a community information resource, the Chamber will be updating the Sandusky County View Book this year. This pictorial publication is designed to promote the entire county from Bellevue to Woodville.” said Stacy. “The publication highlights the many assets Sandusky County has to offer, describing all the factual information that makes the county a great place to live, work and raise a family.” The advertisements purchased by Chamber members make the publication possible. The book is updated every three years and is used by anyone who wants to promote Sandusky County. Stacy said members will be contacted this spring about being part of the publication. The book is scheduled to come out towards the end of the year. The Chamber has also updated their website, which Stacy says is full of information for members and the general community. “On our updated website you can see great pictures from our activities, click through our membership directory and find our calendar of events.” She said the site also outlines the many benefits of Chamber membership and includes great resources such as the county map that the Chamber produces. Member benefits are very important to all Chambers of Commerce; Stacy says this year Sandusky County is focusing on addressing needs for all the members in each of the four divisions. “We have members classified in agriculture, industrial,
retail and service divisions. This year our Chamber Ambassadors are taking a close look at each division
and organizing an event that will fit the needs of those members.” She cited special Chamber Mixers such as an education program or a special themed event to be the types of activities that are being planned. One of the key events that President Stacy says is being organized is the return of the Chamber Christmas Tree & Wreath Auction in November. “This event had a great run for 10 years and we decided to bring it back in celebration of the Chamber Foundation’s Fifth Anniversary and to help raise money for the Sandusky County Cancer Care Fund. “This special event promotes our members, encourages networking and supports a community charity. “ The other big events planned for the year include the 4th Annual “Best of Sandusky County Pizza Challenge” in early April, the Business Celebration & Hatbox Auction at Eagle Isle on June 2nd, and the Chamber Tent at the county fair. “We are planning on having a larger exhibit area at the fair this year to accommodate the interest from our members.” said Stacy. When it comes to being a strong business advocate, Stacy says Chambers are recognizing the
message heard in the fall election and clearly seeing the state of our economy, “The Ohio Chamber of Commerce kicked off 2011 by launching the Campaign for Jobs. As the voice for business in Sandusky County, our Chamber needs to join this effort as well and be a strong partner in creating jobs, growing our economy and making Ohio competitive once again.” Built on the principles needed to create jobs and spur economic growth, the Campaign for Jobs is an aggressive campaign platform made of ten key planks. Redesigning a 21 st Century Government, Lowering Business Costs, Restructuring Economic Development, Streamlining
Government Regulations and Transforming Ohio’s Tax Climate are just some of the planks of the Campaign. These planks are all essential to job creation and getting Ohio back to work again. Stacy says, unlike most campaigns supporting or opposing a candidate or issue on the ballot, the Campaign for Jobs is for everyone. “It’s about jobs and that is something we can all get behind. The Campaign supports change, innovation and progress instead of the status quo and complacency.” Those interested can join the Campaign for Jobs by visiting www. campaignforjobs.com. The Chambers website address is www.scchamber.org.
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4 April 2011
North Coast Business Journal
Choose Mercy Tiffin Hospital for the best cancer care. The Mercy Cancer Center at Tiffin was recently awarded a three-year accreditation with commendation by the American College of Surgeons’ Commission on Cancer. This distinctive recognition, only earned by those programs capable of providing the very best in cancer care, recognizes the comprehensive, multidisciplinary nature of Mercy’s oncology services. The newly expanded Mercy Cancer Center at Tiffin provides patients with access to the highest level of care and caring. Our highly trained and professional staff has access to the newest technology, clinical treatment protocols and biotherapies. The facility features custom chemotherapy infusion stations, point of care
laboratory testing, massage therapy, lymphadema treatment and a clinical pharmacy. The center also houses an extensive media resource center as well as Angie’s Boutique – a unique retail outlet that specializes in merchandise for cancer patients and a distributor of bareMinerals make-up by Bare Escentuals. The Mercy Cancer Center at Tiffin is dedicated to winning the war on cancer one patient at a time, and doing so with fAiTh, hOpE and lOvE. For more information about Mercy’s oncology program, please call Mercy Cancer Center at Tiffin at 419.455.8101.
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Ag Week Kickoff Breakfast Announced Ag Award Winners The Chamber of Commerce of Sandusky County’s 2011 Ag Week Kickoff Breakfast was held last month at Ole Zim’s Wagon Shed in Gibsonburg. The Agricultural Committee announced that Lee Watson received the Farmer of the Year Award and Barrett Zimmerman received the Agricultural Service Award. Lee Watson is the 2011 recipient of the Farmer of the Year Award. He grew up in S a n d u s k y County and has been farming for over 40 years. Watson was superintendent of the agronomy building at the Huron County Fair for 25 years, and is lifelong WATSON member of the Bellevue FFA Alumni. Watson, sat on the nominating committee for Country Springs, now Sunrise Coop, has over 20 years of board experience from Bellevue Farmers, Country Springs and the Sandusky County Farm Bureau. He is currently a York Township Trustee and has been for the past 10 years. Watson is a member of Immaculate Conception Church in Bellevue. When he is not farming, he enjoys spending time with his family, gardening, grilling, vacationing and playing cards. The nominator described him as a “very kind and caring person; always the first one to stop what he’s doing to help someone out.” He attended York School and Bellevue High School. He attended BGSU Firelands College, for 22 years has been married to Connie, has one
child, Dustin and daughter-in-law Ruth. Together He and his son farm over 2,300 acres of corn, soybeans and wheat. Barrett Zimmerman is the recipient of the 2011 Agricultural Service Award. His list of credentials that is both extensive and impressive. Zimmerman is c u r r e n t l y involved as a member of St. Mary’s Church and serves as President of their cemetery board, ZIMMERMAN Works for the Junior Fair Board at the Sandusky County Fair, and has been a Seneca County 4H advisor for 7 years. Zimmerman graduated from Tiffin Columbian High School, received two Bachelor’s degrees from The Ohio State University in Ag Education and Science and received his Masters Degree in Ag Science from OSU as well. Zimmerman has his state FFA degree, serves on the state Ag Science committee that develops curriculum for the Ag Science Program, and is Superintendant of the state “Jobs Interview Contest.” He is an assistant field commander for the state urban soils contest, an Ohio’s lead teacher for the National Poultry Contest, and has taught Ag Science at Sentinel Career Center in Tiffin. Since 1997 to the present, Zimmerman teaches Ag Science at Clyde High School. He spends many hours working with his students encouraging their education and community involvement. He is married to Michelle and they have five children.
FREMONT, from Cover long-term solutions to give our citizens confidence that priorities are being addressed in a timely manner. We’ve made accountability a priority for all sectors of city government. We’re working to establish and communicate a positive image for our community. And we have put programs in place to build an ethical, skilled diverse City workforce in which employees are empowered to use their initiative, creativity and expertise in responsible ways. In my mind, the essential question to address is whether the City is a good steward of tax dollars. Are we managing finances well, and using our resources efficiently to get the job done? On behalf of the best Department Head team that any Mayor could ask for, I am proud to answer with a resounding “Yes!” Last year, we sat down with all five of our employee unions and through some tough negotiations; we hammered out agreement to cut costs. We also managed to help our budget by shrinking our workforce over the last three years. Yes, we’ve asked more from city workers, but in the end we put the City on better fiscal footing. No expression of gratitude will ever appropriately convey the pride I have felt to serve alongside all these
April 2011
North Coast Business Journal
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remarkable public servants. I hope that my sincere Thank You suffices for today. Ladies and gentlemen, as your Mayor, and on behalf of your City Council and City Staff, I am privileged to report that the State of our City remains sound. In reviewing our accomplishments for the year, I realize just how much we all care about our community and how hard we work to make Fremont such an amazing place. Tonight, as your Mayor delivering this State of the City address, I continue to feel honored to serve you and the residents of this wonderful City. I also continue to be thrilled about this job. I am thrilled by the potential this City holds and by the amazing people in this community. Across Ohio and here in Fremont this past year was not an easy one, but I have been heartened and inspired by the way this City and all of you have pulled together to forge ahead and accomplish so much in the way of improvements and progress for our home. Fremont holds the potential, but it is the citizens who tap into it and make it all happen. I am always so encouraged by the residents I meet out in our neighborhoods, as well as those who come to see me in my office; by the local business owners I
talk to who put it all on the line for Fremont; and by the participation of residents who advocate different viewpoints causing robust dialogue that helps us govern better and achieve better outcomes for our City. Simply put, I am proud of my hometown Fremont, Ohio. … Ladies and gentlemen, in conclusion, I want to again thank the private sector and business leaders in the City. You have leveraged your houses and invested your life savings to chase the American dream here in Fremont. Your investment has been a critical component of ensuring that the quality of life here remains healthy and prosperous. So on behalf of a grateful City, I thank you. You are a large part why I am able to deliver optimistic reports on the State of our City. To the great citizens of Fremont, I respectfully ask you to pledge time and energy to your community. Volunteer for the City. Volunteer for your school, place of worship, or for a non-profit organization. Check in on a neighbor who is aging or sick. Invite a neighbor without a job over for a home-cooked meal. Make your City what you want it to be for your children. It is the cooperative efforts of hard working citizens that will chart our successes one year from now – five years from
Mercy Willard Foundation Receives $50,000 Pledge The Mercy Willard Foundation Board is please to announce a generous pledge to the “A Legacy of Compassion, A Commitment to Community”
Bud Schaffer gives Foundation Chair Dr. Chris Bohach his pledge for $50,000 for the “A Legacy of Compassion, A commitment to Community” capital campaign. Capital Campaign received from Raymond “Bud” Schaffer, local retired business owner of Schaffer
Motors. Bud committed $50,000 towards the campaign and urges other to contribute. “Having a local hospital is important to the community and we need to support it,” said Bud. “If we didn’t have a local hospital, what would happen to healthcare or our local economy? And the staff at Mercy Willard are truly what make the hospital special. When you walk down the halls, the people smile and talk to you. You don’t receive that type of treatment just anywhere.” Bud also volunteers at the hospital as a courier and serves on the Mercy Willard Foundation Board. He has two daughters that work at the hospital, Beth Goodsite, RN and Chris Jacobs, RN. “We are very grateful to Mr. Schaffer for his generous support of the Capital Campaign,” said Marsha Danhoff, President of the Mercy Willard Foundation. “I believe with the support of people like Bud, we will certainly be positioned to meet our goal.” The campaign must raise $1 million towards the construction of the building. The Foundation will then raise an additional $2 million to add additional equipment and services to the project. To date, over a half million dollars has been pledged to the campaign.
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now – a generation into our future. It is the strength of entrepreneurship and our commitment to partner and invest that will produce more jobs and provide more opportunities for our families. Whether it’s a firefighter pulling someone from a burning house, a police officer putting his life on the line to protect us, teachers educating kids, or businessmen and women investing in our community, we have the resolve to get through the tough times and to build on our future. You know, I have had people in the last few months come up to me and kind of console me as they say, “boy, must be tough being the Mayor right now.” In some ways I have had my bad days and in some ways it can be trying but the truth of the matter is that this is such a vital community and the people in this community are such fine people individually and collectively that I believe we have nothing to fear. And no matter what the situation, I will remain an optimist and I will remain your Mayor as we work through these challenges. I want to thank all of you for your belief in this community and for your hard work to make it the best it can be, to make it second to none. Thank you very much. May God bless the City of Fremont and its residents.
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6 April 2011
North Coast Business Journal
Downtown Fremont, Inc. Submitted by Angie Morelock, Executive Director Downtown Fremont, Inc. had a banner year in 2010. Downtown Fremont, Inc. is the local non-profit revitalization organization that follows the Main Street Four Point Approach which has been credited for the redevelopment of many downtowns nationwide. Created by the National Trust for Historic Preservation, this comprehensive revitalization program organizes downtown and community leaders to work toward the same goal of getting the downtown in top physical shape, promoting the positive images of downtown, and expanding its economic base. Downtown partnered with many businesses and organizations this past year to host one-of-a-kind activities and events, to celebrate our successes, and to offer valuable programs and services in the Historic District in our efforts to implement the Four Point Approach. These efforts were recently
recognized when the Chamber of Commerce of Sandusky County presented Downtown Fremont, Inc. with the 2011 Small Business Division Member of the Year Award acknowledging their outstanding business achievements and community support. Downtown Fremont was incorporated in 2001 and has undergone and witnessed many positive changes over the years. However, 2010 is a year that will stand out because this is the year we transitioned from a program that was in its infancy stages to a more mature program that has not only continually gained momentum and support from the business community, key leaders, and stakeholders, but perhaps more importantly this year, we gained credibility from the community. The Fremont community is becoming very supportive of downtown and more and more people are realizing the true value of downtown to the economic health of the City of Fremont. The national movement of
www.ncbj.net promoting buying local can certainly be felt in Fremont. People seem to understand the importance of supporting independent businesses, in turn providing a more stable economic foundation. In addition to the support received
downtown Fremont in the process. They were also very sharing with each other and the other owners from other parts of the country who attended. I think they understood that their competition is not other independent owners; they were there
by the community, the business community began supporting each other in new and innovative ways this year. There has always been an atmosphere of cooperation and collaboration in the downtown among business owners. However, a real shift has taken place and owners truly realize the benefits of being located in the central business district by working together, cross promoting the products and services of each other, and valuing the support of their neighbors. They now realize the advantage they have and that they are stronger together than other businesses that are in a “stand alone” situation. Jon Schallert, marketing consultant and creator of “Destination BootCamp”, recognized a rare sense of community when 7 Downtown Fremont business owners attended his workshop in March of 2010 to learn how to reposition their businesses and attract more visitors and tourists from outside of Fremont. Schallert stated that “The Fremont Community Reinvention Scholarship participants were the most cohesive, cooperative group of independent business owners I’ve ever had attend our Destination BootCamp. What was immediately apparent was that they were attending my workshop to improve their businesses, but they were just as committed to improving
to help every other owner become the best they could be.” says Schallert. He continued by saying, “If all downtowns in America had business owners like these Fremont ones, what a vibrant shopping environment America’s consumers would find in every downtown!” What a great compliment and victory for Downtown Fremont! This cooperation and collaboration is key while working towards our goal of downtown revitalization and establishing the many programs, services and events we offer. Our greatest success remains the Ralph’s Joy of Living Farmer’s Markets! The fifth year of hosting the markets in Downtown Fremont, Inc. was the best year ever. In fact, our market was named The Biggest Market around on www.FunCoast.com, which is a great honor considering there are over 365 markets that take place in Ohio. The markets continue to grow and get better every year. Due to the great success and growth, Downtown Fremont, Inc. has created a new Farmer’s Market Coordinator position. Carol Montgomery has been contracted as the Farmer’s Market Coordinator for the upcoming 2011 season. Once again in 2011, the markets will be held on the third
See DOWNTOWN, Page 7
www.ncbj.net DOWNTOWN, from Page 6 Saturday of June through October; with two additional markets on July 30th and October 1st. Two extra markets were added in 2010 as additional dates based off of peaks in the produce season and will be continued as they were well received by the public which was demonstrated by
high attendance. This attendance, along with the support of our generous sponsors, the commitment of the downtown business owners, and the number of high quality vendors who register for every market, are the reasons we continually experience success. We would like to invite all area farmers/growers, greenhouses, orchards and niche market vendors to participate in the 6th Annual Ralph’s Joy of Living Farmer’s Market to take advantage of wonderful sales and advertising opportunities. The markets are open-air sales on Front Street in Downtown Fremont and run rain or shine from 9:00 a.m. – 1:00 p.m. on the following dates: June 18th, July 16th, July 30th, August 20th, September 17th, October 1st , and October 15th. For registration information and complete rules and regulations for the market, contact Montgomery at 567-3424758, or visit www.Ralphsjol.com/ fremontmarket. Downtown Fremont is very proud of the markets and very thankful to everyone who is involved. Other projects that we are proud of and excited about include the many recent new business openings, property sales, and business expansions. New and expanding businesses are a crucial aspect of our development efforts. While many downtowns around the state are experiencing store closings and higher
North Coast Business Journal vacancy rates, we are welcoming new stores and celebrating at ribbon cutting ceremonies. This is due to the fact that Downtown Fremont is an affordable place to do business and has many advantages to both start-up businesses and businesses looking to relocate or open a second location. Downtown Fremont welcomed 8 new businesses into the downtown in 2010 and has already done the same in 2011 with 3 new businesses. We will also welcome another new business in April and celebrate an expansion of an existing business in May. Both new and old businesses alike have begun to coordinate their hours and are now open for business on Thursday nights until 7:00 p.m. The Promotions Committee of Downtown Fremont has been discussing the need for coordinated evening hours for quite some time. The decision was made after Jon Schallert visited our community in May of this year, and helped the business owners understand today’s shopper and their need to be able to shop after normal business hours in their central business district. As a result, the downtown business community worked together and coordinated hours with each other so that they could meet the needs of the shopper and make sure they wouldn’t have to go out of town. The committee then developed a long-term radio, print, and billboard campaign to spread the word to the community in hopes that they would take advantage of the opportunity to shop local during the extended hours. If the response is positive, it could lead to additional extended hours in the future. Everyone is encouraged to plan a trip to Downtown Fremont, whether it is on a Thursday evening or during normal business hours, to see why the Chamber of Commerce recently recognized the efforts of this central business district. You will enjoy the ambience of an historical downtown district where the streets are lined with decorative lampposts, banners, brick pavers, Japanese Lilac Trees, tree grates and historical period street signs. We are confident that you will find something to your liking and enjoy all that we have to offer including unique shops and friendly merchants who make every visitor glad they came whether to shop or just to browse. Follow us on Facebook to stay up to date on all that is happening in Downtown Fremont. Anyone who has an interest in participating in revitalization efforts or would like to expand a business into downtown should contact Angie Morelock, Executive Director, Downtown Fremont, Inc. at 419-332-8696 or visit www. DowntownFremontOhio.org.
April 2011
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Over fifty years ago, Robert and Joanna Wagner started the Capitol Aluminum & Glass Corporation as an alternative to working for a big, rigid company. Today, Capitol still offers the detailed attention and flexibility it was built on. Those qualities are why the company has designed, manufactured and installed custom-crafted, heavy duty commercial window and entrance systems for thousands of schools, churches, government and commercial organizations across 50 successful years. That’s also why they were our choice when we remodeled our Bellevue Banking Center in 2003. Gail Coe, CEO of Capitol Aluminum, understands the importance of client attention. That’s why she works with Dave Sabo and the Business Bankers at Croghan. “The Croghan Colonial Bank has been our partner through multiple facility expansions,” says Coe. “They really spend time getting to know our business.”
Member FDIC
8 April 2011
North Coast Business Journal
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CHAMBER CALENDARS for April Erie County Chamber of Commerce 27 Business After Hours At TGIFridays, co-sponsored United Way and TGIFridays 5:15 p.m. start RSVP to 419.625.6421 Fostoria Chamber of Commerce 6 20
Safety Council Steering Committee, 11:30 am, Chamber office
Huron County Chamber of Commerce 7
14 Chamber Board of Directors, 4:00 p.m., Chamber office 20 Education Committee, 8:00 am, Chamber office Oak Harbor Area Chamber of Commerce
29 Fun night out on the town, 7:00-11:00 p.m. Huron Chamber of Commerce 28 Business After Hours, 5 - 7 p.m. Brass Pelican on the River Co-sponsored by Huron Playhouse
OBC Delivers the Right Employee
14 Business After Hours Oak Harbor Golf Club 5:00-7:00 p.m., Free Golf Clinic 16
Chamber of Commerce Annual Easter Egg Hunt, 2:00 p.m. Adolphus Kraemer Park Ages 12 and under--Free event
21 Board Meeting Chamber Building, 7:30 am
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5 Chamber Administration Meeting at Chamber Office, Noon 7 Business After Hours 200th Red Horse, 5-7 p.m. 8 SEE Seminar Ottawa County Improvement Corporation 9:00 – 11:00 am 11 Chamber Board Meeting Chamber Office, 8:30 am 13 Main Street Port Clinton Economic Restructuring Committee, MSPC Office, 8:30 am 14
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15 Chamber Foundation Board Meeting, Chamber Office, 9:00 am 18 21
Tired of running expensive ads and sorting through résumés? OBC’s Career Services Director will:
Leadership Ottawa County “Taste of Ottawa County, LIVE HERE, BUY HERE” Ottawa County Fairgrounds 2:00 - 7:00 p.m. Port Clinton Area Chamber of Commerce
13 New Member Breakfast,7:30 am RSVP required, 419-668-4155
Safety Council, 11:30 am Fostoria Community Hospital
21 Chamber Board Meeting, Noon Fostoria Community Hospital
Program Committee, 8 am, Chamber office
30
Walleye Festival Committee Meeting at Ida Rupp Library 5:00 p.m. Main Street Port Clinton Board Meeting at MSPC Office 8:30 am Joint Annual Dinner and Awards Ceremony at Catawba Island Club, 6:00 p.m. Sandusky County Chamber of Commerce
Call Tarina Oglesby today to find tomorrow’s new hire!
10 Best of Sandusky Co. Pizza Challenge, 11 am - 2 pm Sandusky Co. Fairgrounds
888-627-8345
19 Agricultural Committee Meeting 8:00 am, Chamber office
5202 Timber Commons Drive Sandusky, OH 44870
www.OhioBusinessCollege.edu OH Reg# 97-12-1480B
26 Chamber Ambassador Meeting 8 am, Chamber office 27 Chamber Board of Trustees 7:30 am, Chamber Office
Tiffin Area Chamber of Commerce 8
Ambassador Meeting 11:30 am, Chamber (new) Office 19 W. Market St, Suite C Please RSVP.
12
General Membership Meeting 11:30 am - 1:30 pm 19 W. Market St., Suite C Lunch is $10, RSVP 419-447-4141 or info@tiffinchamber.com
13
Small Business Basics Seminar Free, two-hour seminar Ohio Small Business Development Ctr. of Terra Community College. Chamber Conference room Register w/Bill Auxter at 800-826-2431 or bauxter@terra.edu
13 Tiffin Area Chamber Executive Committee, 8:15 am 20 Ribbon Cutting Angie’s Boutique, 40 Fair Lane 4:00 p.m. 26 Tiffin Area Safety Council 11:30 am at Camden Falls Vermilion Chamber of Commerce
6 Step-in to Spring, Styles by Macy’s Business & Professional Women Scholarship Fundraising 6:30 p.m. Paper Moon Vineyards Ste Rte 60 in Vermilion Tickets are $20.00
7
“Taste of Vermilion” 6 pm - 8 pm Kingston of Vermilion 4210 Telegraph Lane Call Heather McCord at (440) 967-1800
24
Easter Buffet 11:30 am-2 p.m. German’s Villa 3330 Liberty Ave Vermilion RSVP at 440-967-1770 Willard Area Chamber of Commerce
14 “20th Annual State of the City” 6:00 p.m. at the Depot in the Park
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North Coast Business Journal
April 2011
9
$59 Million to be Invested in Sandusky County Sandusky County Economic Development Corporation (SCEDC) has put significant effort into working with and supporting established companies located throughout the county. Newly announced investments as well as projects completed in 2010 are paying important dividends to both the companies involved and to Sandusky County. Martin Marietta Magnesia Specialties, LLC – Woodville Township Several projects are set to begin soon in Sandusky County, investing a significant amount of money in the region. Three of these include a $59 million project by Martin Marietta Magnesia Specialties, LLC in Woodville Township, a $5 million Holiday Inn Express project in Sandusky Township, and an approximately $1 million Futronics Inc. expansion in Rice Township. First, the Martin Marietta Magnesia Specialties expansion project includes construction of a newly owned and operated 15,000 square foot building and the purchase and installation of a new kiln for the production of dolomitic lime. The new kiln #7 – the sixth kiln on site (there is no kiln #3) – will be placed near the existing kiln #6. The project is expected to create 15 jobs and retain 160 positions. Kay E. Reiter, SCEDC executive director, noted, “There are a sizable amount of construction related jobs – over 100 – for the project as well… Martin Marietta has been looking at this project for a period of time…the timing is good for them.” Martin Marietta was approved for a 35% Job Creation Tax Credit for a five-year term as a result of the company’s expansion. The value of the tax credit is estimated at $236,015 over the term, and the company would be required to maintain operations at the project site for eight years. Anne Lloyd, Executive Vice President and CFO, Martin Marietta Materials in Raleigh, North Carolina, stated, “We are looking at the expansion of our lime kiln there in Woodville and creating 15 new jobs, once the project is
completed. It will probably take about two years to construct.” She also discussed the benefits of the Sandusky County site for the manufacturing firm’s expansion project. “The economic development corporation provided us with tax incentives, which were part of the answer,” Lloyd explained. “It is a site that provides nearly a quarter of the dolomitic lime in North America, and it is a naturally occurring deposit that is not found in all other places. So, to get that kind of dolomitic lime expansion into that market, we need to be there. The geology requires us to be there.” Lisa Patt-McDaniel with Ohio Department of Development (ODOD) had stated, “Ohio’s favorable business climate makes it a great place for companies to invest. These incentives will help strengthen our workforce through job creation and retention, which will create growth and boost Ohio’s economy.” Martin Marietta Magnesia Specialties LLC, a subsidiary of Martin Marietta Materials, is a US producer of magnesia-based chemicals for industrial, environmental and agricultural uses, as well as fiber-reinforced composite materials used for transportation and military applications. Chemical-grade magnesia is marketed as a process additive, used as raw material for products such as ceramics, paper and sugar. Magnesia Specialties markets agricultural grades of magnesium oxide for use in mineral premixes and animal feed, environmentally friendly air and water treatments, and a new flameretardant product. At the Woodville Township facility, a significant amount of dolomitic lime is sold to the steel industry as a fluxing agent to help purify steel and extend refractory lining life. Martin Marietta Materials produces construction aggregates used primarily for construction of highways and other infrastructure projects, in certain green initiatives (including flue gas desulphurization), and in the domestic commercial and residential construction industries. Its aggregates business’
network of more than 285 quarries, distribution yards and plants spans 27 states, Canada, the Bahamas and the Caribbean Islands. Holiday Inn Express – Sandusky Township Separately, the Holiday Inn Express is expected to begin construction this year in Sandusky Township, just north of Fremont. The three-story facility will include 78 beds, a pool, a fitness center and a conference center on a 20.4-acre site. According to Reiter, the project will break ground as soon as weather permits. Approximately 20 new jobs will be created. Futronics Inc. – Rice Township Fremont-based Futronics Inc. is investing approximately $1 million in a new building to be constructed on land it currently owns in Rice Township. It will consolidate warehousing and shipping / receiving operations from Toledo
and Wooster into one central location in the Fremont area. Construction of the new warehouse is expected to be complete in late spring on North State Route 53, near the Ohio Turnpike. This location was chosen due to its proximity to major transportation routes as well as availability of a suitable site. Futronics had previously purchased a 10-acre facility from SE Johnson prior to its merger with Shelly Corporation. Keenan Fields of Signature Associates facilitated the earlier acquisition of the property from SE Johnson. Futronics has received a $379,000 loan from the US Small Business Administration (SBA) for the project. According to the company, the new building will provide centralized warehousing and equipment dispatching, expand the company’s service areas, and create a larger base from which the company can grow.
See INVESTMENTS, Page 10
10 April 2011
North Coast Business Journal
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Sandusky County Chamber Members of the Year Winners
Members of the year: (l to r) Downtown Fremont, Inc., Small Member of Year, Angie Morelock – Executive Director; Rutherford B. Hayes Presidential Center, Medium Member of the Year, Tom Culbertson - Director; Green Bay Packaging Inc., Large Member of the Year, Paul Martin -Fremont Division Vice-President.
Mixer at WSOS Stricker Center Open House
Pictured are three Chamber Ambassadors participating in the recent Chamber Mixer at the WSOS Stricker Family Development Center Open House; (l to r) Brad Steyer, Creative Financial Partners; Janet Pollock, Securance Service Inc.; and Gina Miller, Memorial Health Care System, Community Health Plan Alliance.
Save Time, Save Money. Summer Term Classes at Terra Community College
Day, evening and online courses available. Select from four start dates! • May 23-June 27—Five–Week Session • May 23-August 1—Ten–Week Session • June 6-August 1—Eight–Week Session • June 28- August 1—Five–Week Session Accelerated courses for people on the go! Check out our Summer Term course offerings on our website. For more information, contact our Admissions office at 419.559.2349.
866.AT.TERRA www.terra.edu
INVESTMENTS, from Page 9 Futronics was founded in 1937. It is a federally licensed, inter-state common carrier and also a licensed public telephone company under the auspices of the Public Utilities Commission of Ohio (PUCO). Additionally, it is a full service Motorola dealer, providing repair and sales of Motorola products in over 30 counties in northern Ohio and southeast Michigan. Whirlpool – Clyde Division & Revere Plastics Inc. - Clyde Sandusky County completed several large investment projects in 2010 as well. One of the manufacturers placing new investment in the area last year was Whirlpool Corporation – Clyde Division. SCEDC is continuing to work with the company to assist in the recruitment of major suppliers to locate production facilities in close proximity to the Clyde, Ohio operations. Whirlpool Clyde invested $175 million in its facility for a project including tooling, equipment and facility changes. As a result of this growth, Whirlpool has hired over 900 employees in the past year. According to Whirlpool, the 2.3 million square foot Clyde plant is the largest automatic washer facility in the world. Prior to becoming a Whirlpool facility, the plant made a range of products, from Elmore automobiles and Clydesdale fire trucks to church furniture, bicycles, weapons (for World War II), and porcelain signs. When Whirlpool purchased the facility in 1952 from Clyde Porcelain Steel, it was just 250,000 square feet. Two years later, Whirlpool purchased the adjacent Bendix Corporation, which added an additional 170,000 square feet. With gradual expansions, the factory slowly grew to its current size including distribution centers. A number of major suppliers have located manufacturing facilities in close proximity to Clyde as well. For example, Whirlpool Clyde supplier, Revere Plastics, also expanded its business on East Elm Street in Clyde by adding 50,400 square feet. The project invested approximately $11 million ($8.5 million in new equipment, $1.1 million in new inventory, and $1.5 million in real property). “Revere is completed, and that project did extremely well,” stated Reiter. “It is very impacted by what’s happening at Whirlpool.” The project enabled Revere to retain 443 jobs and add 25 new jobs as a result of its capital investment. Revere Plastics produces injection-molded plastic parts used in Whirlpool washing machines. The expansion and new equipment is designed to also supply parts for a new Whirlpool product line. SCEDC continues to work closely with Whirlpool Clyde to support new investment projects for suppliers to this large Sandusky County manufacturing operation. Article provided by Toledo Business Journal 2-17, 2011.
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April 2011
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Fremont Prepares to Open New Middle School Submitted by Dr. Traci McCaudy, Superintendent, Fremont City Schools In 2007, Fremont City Schools received an Ohio School Facilities Exceptional Needs Program Grant to assist in funding the construction of a badly needed new middle school. The grant offer required the passage of a Bond/Permanent Levy. In 2008, Fremont voters demonstrated their commitment to children and education by passing the levy. Passage triggered the development of several school design committees that were comprised of students, parents, community members, civic leaders and school personnel. Planning culminated in a Groundbreaking Ceremony on April 29, 2010. Construction commenced shortly thereafter and a quality project team continues to make excellent progress on the construction. Fremont City Schools anticipates a November, 2011 completion of the building and students will begin classes in the new school mid-January of 2012. The Fremont Middle School Project Transition Plan has been created for the purpose of developing procedures that will ensure a smooth and orderly, mid-year transition to the completed middle school. A calendar is being prepared that will list the date and time of the opening ceremony and the dates and times for tours of the building. Listed below are some facts about the new Fremont Middle School: • 126,000 square feet • Grades 6,7 and 8 • North Street Wing: Three stories (one for each grade level) • Gymnasium with regulation-size athletic court with curtain divider • Gymnasium capacity of 650 guests • Cafeteria with seating capacity of 450 and including an 1800 square foot stage • State-of-the-art technology throughout • Comprehensive security system featuring cameras and entrance controls
• An innovative, cost-efficient, low maintenance chilled beam HVAC energy system. Additionally the new building will qualify for a platinum LEED (Leadership in Energy and
Environmental Design) designation by the Ohio School Facilities Commission. For more information, please visit the Fremont City Schools Web site at www.fremontschools.net.
POWER IS OUT, YOUR NETWORK IS DOWN. What do you do? During a thunderstorm on a Friday night around 7:00 pm, a company with a large inventory of product that must remain refrigerated lost electricity. Normally, this would not have been a problem as there are generators installed at the location. This time, the generators did not come on. Fortunately, this company is a MyNet™ Total Care customer through Advanced Computer Connections. MyNet monitors the facility and ACC Technicians were alerted that the site was not responding. ACC alerted the appropriate staff employed at the facility, and then started working the with generator company. Within 15 minutes of the power going out, a plan was in place to get things up and running again. Had it not been for MyNet and ACC, the customer would not have known until Monday morning… When you are a MyNet customer, ACC is always there! Please contact us today to find out how we can help your company.
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12 April 2011
North Coast Business Journal
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Accounting
How to Analyze Costs and Savings: Reducing costs in a down economy By Jeffrey L. Schmittgen Today’s business climate has everyone scrambling. Sales are lagging, costs are increasing, profits are decreasing and business owners are taking hits to their income. That defines many businesses today. How do you maintain profitability? Successful managers look in two directions, improving efficiency in all processes and reduction of fixed costs. Businesses have two kinds of expenses, variable (moving up or down with sales) and fixed (staying constant if sales change). Most expenses are somewhat blended between fixed and variable, and it’s important to know the breakdown for each expense category. Both kinds of expenses require a different type of analysis in order to impact profitability. When analyzing variable costs, there are two key concepts: efficiency and pricing of direct costs. Inefficient processes anywhere within an organization are costly. However, they are an easy area to tighten up to improve variable cost percentages. Managers need to step back and analyze even the most efficient areas and squeeze out changes. Sometimes upfront costs must be incurred to create savings. In that case a cost-benefit analysis should be done to justify the use of capital.
Pricing of direct costs is somewhat easier to analyze. Negotiating with suppliers, employees, fringe benefit providers and other subcontractors is vital as businesses work to maintain profits. In some cases, companies must do this just to survive. In analyzing direct costs, look to your income statements cost of sales section. Compare your performance to that of the best performers in your industry. This will help you identify specific areas where improvements can be made. Fixed expenses are another matter. A reduction of a fixed expense falls right to the bottom line of a company’s income statement. Salaried employees, underutilization of space, insurance costs and tax costs are a few examples of fixed expenses to scrutinize. The example above shows a simple progression where in Case 1 a normal year turns to Case 2 with a 20% decline in sales. After reducing fixed costs, Case 3 shows elevated profits. We work with our clients all the time on these kinds of analysis and assist in helping make what can be some very difficult decisions. Times are tough, we all know it. If you haven’t gone through this kind of analysis in a while, it’s probably time. Jeffrey L. Schmittgen, CPA is a director at Barnes Wendling CPAs Inc. Jeff can be reached at the Sheffield Village location at 5050 Waterford Drive. You can reach him at 440.934.3850 or via e-mail at jls@ barneswendling.com
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MEANS BUSINESS! Reaching over 23,000 readers in five counties every month
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North Coast Business Journal
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April 2011
13
Nobody likes to talk about chest pain. But you need to have a plan – just in case. Workers from Telamon Construction focus on constructing a bulkhead on the second floor of Building D.
Terra President Happy with Growth; Cautiously Optimistic about Future Dr. Marsha S. Bordner, President, Terra Community College The landscape at Terra Community College is changing, in terms of student population, physical structures and future expectations as well. It all makes for exciting times at our College in Fremont. We are so pleased that our enrollment numbers continue to be strong. It reinforces the fact that we are providing valuable education and skills that improve our community. Enrollment at the College has seen increases each term since 2007. In Fall 2010, for example, there were 11.7 percent more students attending than the previous fall. And as a result, for the first time, Terra broke through the 3,500-student mark. This spring, there are 6.5 percent more students attending classes than last year. The 3,541 students comprise the largest spring term enrollment ever. The student body at Terra also continues to evolve. The College has experienced a 22.1 percent increase in the number of students aged 40+. And we now have more students in the 25-39 cohort (34.9 percent of student population) than the 18-24 category (31.1 percent). Terra saw a 9.2 percent growth this spring in students from Ottawa County and we look for future growth there as well.
More students are embracing flexibly-scheduled, hybrid and distance learning classes. We will continue to explore offerings in these delivery methods as we strive to help our students complete their coursework on their schedules. So how do we continue to build on these successes? One way is through physical means. Last fall, we opened our first new building in 10 years. The Skilled Trades Center is a shining example of our continued commitment to the trades, such as HVAC, welding and automotive technologies. With the relocation of the skilled trades programs from Building D to the new building, renovation began early this year to create two new wings for the allied health, music and arts programs. Classes are being scheduled in Building D for fall semester, and we all are anticipating a visually stunning and academically efficient building. The centerpiece of the Fine and Performing Arts Center is a studio complex that will allow our students to experience cutting-edge technology in the production and editing of musical compositions/performances. Our Choral Society will rehearse in a brand new recital hall while our art students will display their work in new exhibit space. Naming rights for
See TERRA, Page 14
If you experience chest pain along with any of the following symptoms of a heart attack, call 911 immediately: • Pain and/or squeezing sensation of the chest • Shortness of breath • Sweating • Indigestion • Arm pain or upper back pain
With a dedicated team of professionals, including Dr. Veselin Dimitrov, Emergency Department Physician, and Dr. Gregory Vigesaa, Cardiologist, Mercy Willard Hospital has received Chest Pain Center Accreditation from the Society of Chest Pain Centers (SCPC), an international organization dedicated to eliminating heart disease as the number one cause of death worldwide. Mercy Willard is one of four critical access hospitals in the nation to receive this accreditation. Mercy Willard is also the only one of two critical access hospitals in the state of Ohio, and the first hospital in Huron County to receive this accreditation. As a Society for Chest Pain Centers accredited facility, Mercy Willard is held to higher standards, so your heart gets the care it deserves. You can expect better care and response time when seconds count. Getting treated for chest pain at an Accredited Chest Pain Center means you are getting the best and most current care available for what could be a heart attack. It means: Faster assessment and treatment Better odds of surviving a heart attack Better odds of recovering with a good quality of life
• General feeling of illness
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St. Anne
St. Charles
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Defiance
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Willard
14 April 2011
North Coast Business Journal
TERRA, from Page 13
crafted based on the work done thus far. the various areas have already been We asked ourselves and numerous selected by a variety of donors. community focus groups questions The Nursing and Allied Health wing like these: will house a variety of programs--all How do we prepare our students focused on providing our students and communities for work/life in a with training leading to solid global universe? employment. Our nursing students, How can we help our students nearly 100 strong, will learn in an financially? environment that simulates a How should we use our limited state hospital. Medical Assisting students resources, especially our capital will learn what it is like to work in a funds? doctor’s office. We will offer Physical What jobs will develop in this Therapist Assisting on our campus for region? the first time in the fall of 2011! Our What skills are critical for students Clinical Laboratory Science and in the new economy? Health Information Technology How do we keep current in students will also enter brand new technology, both in the classroom labs in August. and outside of it? As you can imagine, planning is the While we don’t have all the answers key to everything we do. That’s why and can’t predict the future, we were every five years, we spend an extensive able to tackle these questions with amount of time on strategic planning. creativity, open-mindedness, reality We are coming closer to finalizing and optimism. our plan and are eager to begin At the end of the day, our goal is to instituting it. chart a rich and diverse future for The Board of Trustees is expected to Terra Community College. The world approve its strategic goals this month. changes so rapidly and we must A campus team is working on change with it, yet we still need a initiatives that we will implement basic direction to help us keep based on those goals. Our vision and focused. mission statements will soon be We count our blessings everyday at
www.ncbj.net Terra but we also know many challenges lie ahead. The economic downturn in our country and state has forced, and will continue to force, some very tough decisions. We are certainly no exception. I assure you that we struggle with making difficult budget decisions as much as anyone. Already we have discontinued the Terra Truck Driving Academy Students in the Snap-on Automotive Lab in the due to low enrollment Skilled Trades Center practice using the new equipand a decrease in state ment. funding. Like all other state-assisted entities, by law. We have already changed Terra also faces cuts. Our portion of dining services to generate additional state support will be reduced by revenue and plan to defer some almost 13 percent, which accounts maintenance projects, specifically for over $800,000 in funding. The those related to the strategic energy Governor’s budget allows for a 3.5 plan. As I look back on 2010 and forward per cent increase in tuition. The cost of an education at Terra, however, to 2012, I am encouraged by our remains one of the best educational progress, even in trying times, and I am confident Terra will continue to bargains in our region. We will be looking at many ways to be one of the most important assets balance our budget, which is required in our region for decades to come.
Community Hospice Care
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181 E. Perry Street; Tiffin, OH 44883 (419) 447-4040 1-800-834-8100 Visit our website: www.communityhospicecare.com or contact us via email at: info@communityhospicecare.com
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April 2011
15
Retirement & Estate Planning
Common Insurance Mistakes We All Make Submitted by Douglas Gildenmeister Senior Vice President, Investments Retirement Plan Consultant The Gildenmeister Wealth Management Group of Raymond James & Associates, Inc. We all know we need insurance but it’s not usually at the top of our priority list. Insurance is a valuable tool to protect our families from unforeseen events that can severely damage their financial futures, but it does not often get much of our attention. We have compiled a list of common insurance mistakes so you can
determine if you are currently making any of them and hopefully properly insure you and your family before it is too late. • Not having any life insurance — Life insurance has two basic purposes: to provide estate liquidity and to provide sufficient assets for a surviving family to live on after the wage earner has passed away. • Having too much life insurance — If substantial assets are accumulated, then survivors may already be adequately provided for. • Not having life insurance on a non-working spouse — The value of a “non-workingâ€? spouse, which can be substantial, is often overlooked. • Buying life insurance on children — Such coverage rarely makes economic sense unless the
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policy pays interest which is tied to current market rates. The premium dollars could be better spent by contributing to a custodial account for the childâ&#x20AC;&#x2122;s future education needs. â&#x20AC;˘ Underinsurance of personal residences â&#x20AC;&#x201D; Most homeowners obtain homeownerâ&#x20AC;&#x2122;s coverage and then forget about it. They may fail to realize that if construction costs increase at 8% per year, the replacement cost of a property doubles every nine years. Determine what your house (not counting the land) is really worth and then see if it matches your coverage. â&#x20AC;˘ Having medical insurance with inadequate lifetime limitations â&#x20AC;&#x201D; With the ever-increasing cost of medical care, it is easy to incur very high expenses for an extended
hospital stay. Many policies cover only $100,000 to $150,000. The minimum coverage an individual should have is $250,000 to $500,000. â&#x20AC;˘ Not having disability insurance â&#x20AC;&#x201D; Youâ&#x20AC;&#x2122;ve probably heard it before. Your familyâ&#x20AC;&#x2122;s single greatest asset is more than likely your ability to earn a living. â&#x20AC;˘ Having a disability policy with too restrictive a definition of disability â&#x20AC;&#x201D; Many policies cease coverage if the insured can perform any occupation after the second year of coverage. â&#x20AC;˘ Holding a disability policy after retirement â&#x20AC;&#x201D; Make sure you arenâ&#x20AC;&#x2122;t paying premiums in retirement. This material was prepared by Raymond James for use by the financial advisor noted above.
16 April 2011
North Coast Business Journal
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North Coast Business Journal
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18 April 2011
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Sales
Selling In Tough Economic Times By Roger Bostdorff, B2B Sales Boost, LLC The mortgage industry is in disarray, unemployment is up. Manufacturing jobs are leaving North America in large numbers while the former Big Three of the auto industry are each being challenged for sales and profits. Each of the candidates for President want to debate who can provide more change, as President Bush and Congress signoff on a $700 Billion Bailout to Wall Street and the Financial institutions. The stock market has dropped substantially. All of this is indicative that the economy might be in for a real serious challenge for the remainder of 2008 and for 2009. “Woe is me, woe is me,” says the salesman/manager that is attempting to make his sales objectives. When
the economy gets challenging, companies look for ways NOT to spend money. Sales cycles stretch out and the average salesman/ order taker does not succeed. When the economy is good and the market is growing, a back slapper can make his objectives. However, when times get tough, a good and successful salesman will be doing more than back slapping and telling jokes with his customers. So how does one salesman succeed in hard times while the other salesman cannot make it? He can always cut the price right? Over time all that does is generate less profit for his employer and eventually downsize the company including the sales force. We have already had
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plenty of that in this marketplace. He can get more balls in the air (find more opportunities). However, if the sales cycles get stretched out, this just generates more work and still minimal additional sales. Ok, B2B Sales Boost, you are the Sales Consultant, how do we address this challenge? First, I don’t want to say that achieving the sales objectives in this marketplace, or any other marketplace, at this time, is easy. However, there are ways to increase your odds of success. First, you need to differentiate yourself while qualifying your prospective customers. This needs to be done in such a manner that you invest your time with the prospective customers that are going to indeed make a decision. Questions such as do you have the funding? Is this investment in your budget? What is your timeframe to implement? Need to be asked. Secondly, you need to be able to quantify why the customer should make a decision relative to your offering. Frankly, for me this is a simple concept but one that is rarely implemented. Your solution should be bringing value to your customer. If you have not worked with the customer to quantify that value you are missing a major positive influence that can help you achieve the sale. There is never a time that a salesman does not quantify for a customer the cost of the product or service he is selling. However, it is a rare occurrence that the sales person quantifies in $$ the benefits/value of the investment. You need to explain to the customer that it should be an easy decision making process. If the benefits/value (side of the scale) delivered by your product or service is greater than the cost (side of the scale) of that product or service, then the proposed business decision is a good one. If the cost is greater, then the customer should not proceed. Have you ever had a salesman tell you, as the customer, that maybe you should NOT buy his offering. Do you think that salesman has
added credibility and trust to his customer relationship. If the value is not greater than the cost today, who do you think the customer will call when the value exceeds the cost? You got it, the salesperson that told him to hold off. However, if the value is greater than the cost at the initial time of “ask,” the salesperson has a lever to make the sale happen now vs. the customer delaying. The excuse of, “I don’t know, I need to think about it” is resolved with “If the value is greater than the cost every day you wait Mr. Customer you are losing money, why would you want to wait?” Ok, so you are buying my dog food, but how does one get that value data? Those approaches can be taught. The approach requires confidence, and the proper questioning. With a little bit of coaching one can learn how to do this. To explain the process would take longer than I am allocated in this column but it can be taught. Without identifying the customer value, the sales cycle stretches out and you have no lever to shorten it. With the value quantified, you either get the business or quantify early on, that this customer is NOT a qualified buyer. Getting the business is great but determining you are not investing your time wisely is also very positive. If this occurs you can take that time and allocate it to finding a real buyer. Good luck and good selling! Roger Bostdorff is the President of B2B Sales Boost. He spent over 30 years with IBM in sales and sales management. B2B Sales Boost is a consulting company helping organizations improve their sales and overall business processes. He is also available for business speaking engagements. You can find more regarding B2B Sales Boost on the web at www.b2bsalesboost.com or calling 419-351-4347. If you would like to receive the B2B Sales Boost Newsletter please send an email to sales@b2bsalesboost.com.
April 2011
North Coast Business Journal
www.ncbj.net
Legal Downsides of Joint Tenancy By Jeff Roth Many bank accounts are owned by two or more people. This means that each individual has an equal right to keep or withdraw all of the property. Most joint accounts have an added element of designating that the survivor should receive the whole property. You may see the designation JTWROS which means” Joint with Right of Survivorship.” Banks tend to encourage this registration but there can be danger in having two owners with equal power.
BANK ACCOUNTS Actually, joint accounts only postpone probate. When one of the joint tenants dies, the account is immediately owned by the survivor. This will mean probate for the
survivor. The survivor can correct this problem by adding a new name but many times this does not happen. Incapacity of one of the owners can see the account frozen in a guardianship proceeding if the parties do not have the right documents to protect each other. If one of the owners has an accident or has creditor problems, the account is available for the creditors even if the one not in trouble actually contributed all of the money. The account is exposed to all of the problems of either owner. Here is another example of a major problem. You have three children and you place your son’s name on the account for convenience. If you pass away, the money belongs to
your one son. It is only a promise that gets the money divided equally among the other children. If the son does transfer funds to the other children there are serious gift and income tax problems. It is not a good day when your son who is on your bank account gets divorce papers and your accounts are frozen by the bank until the matter is settled. You could easily loose one half or all of the account to an ex daughter in law.
REAL ESTATE If mother buys a home and adds the son’s name on as a joint owner there can be a major tax consequence. First, she has effectually made a gift of one half of the property. A gift tax return should probably be filed but that is seldom done. If mom bought the home for $80,000.00 and it is worth $300,000.00 at her death only one half is reappraised with a step up cost basis. Upon sale by the son, there is an income tax on his interest. If mom elects to sell during her lifetime then she may only elect the federal income tax exemption on her FreedomBoat Apr11.pdf interest.NCBJ Had she owned the 3/29/11 whole interest there would be no income
19
tax upon the sale. Serious problems can arise with real estate. Under Ohio law, a spouse must sign to legally transfer an interest in real estate. If you need to sell your house for your own finances or to downsize, you may find that your daughter in law may refuse to sign. Some banks may even offer an equity loan on the son’s interest and your home will be subject to a lien. It is easy to get a name on the title but it can be difficult to get the name off. As with an account, if you place your son’s name on a deed, your home will be subject to the problems of your son. It does not matter what you put in your will or trust. Neither document has any control over a Joint account or title to real estate. The asset will go to the survivor by operation of law.
SECOND MARRIAGE Major problems can occur with a second marriage. Without seeking proper legal advice, accounts and real estate can be transferred to the surviving second spouse. The children of the first marriage can see the assets 1:42:48 PM
See LEGAL, Page 24
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20 April 2011
North Coast Business Journal
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Awards for Huron Chamber’s Best By Sheila Ehrhardt Executive Director At the Huron Chamber of Commerce’s annual dinner meeting and recognition event, six awards were presented to Huron area business owners and residents. Chamber president Bruce Miller and director Sheila Ehrhardt introduced the honorees. Guests attending the “Hawaiian Luau” on Tuesday, March 15 at the Kalahari Nia Center were urged to come dressed in Caribbean casual. An authentic Hawaiian hula dancer entertained and there was even an “Ugliest Shirt” Contest, whose winner shall remain nameless. Winners of the “Bright Star 2011” awards included: Bill Scott, a lifetime Huron resident and high school teacher for 35 years. A Huron High School graduate, he excelled in football and track, setting records in both sports. He still holds the HHS record in the 220yard dash. A graduate of Muskingum College, he broke the school record for the 220, and, along with Edwin Moses, qualified for the national track meet in 1976. After earning a master’s degree in Sports Science from BGSU, “Doc,” as the athletes refer to him, put his talents to good use, becoming somewhat of an expert in sports injuries and the treatment to heal them. After a decade of teaching in Monroeville, he came to Huron High School in 1986 and will be retiring this spring after a lifetime of p r o v i d i n g encouragement, life skills and a window to future success for three generations of track and cross country teams. Immediate past president of the Huron Chamber, Doug Studer, earned an award and the nickname “P.T. Barnum. Ehrhardt described him as the guy who always sees that “the show must go on.” Be it the Huron Rotary Festival, a Chamber event, the
FishHuronOhio organization formed to promote area fisheries or Girls’ Night Out, Studer gives it his all. Founders of the annual girls’ gala five years ago, he and his wife, Gretchen, have raised more than $120,000 for Cancer Services and other local cancer foundations with the huge event that draws more than 1,200 women each year. Huron Street Department crew members, Dan Hoppe, Brent Yoakum, Jim Blainey and Dan Rosenberg were honored for their work with the Chamber and other community groups installing personalized summer banners for local businesses and holiday decorations each year throughout downtown Huron. Marge Billman received an award for her many years of dedicated volunteer work for the Chamber, and the Erie Community Federal Credit Union was honored as “Outstanding Huron Business.”
Save the
Studer presented the first annual “Unsung Hero Award” to Wayne Foster, owner of Foster Funeral Home & Crematory. The HHS graduate has worked behind the scenes for many years, designing computer programs that he uses to keep complete “stats” for the school’s football program. In addition to his work as co-chairman of the Huron campaign for United Way and many other behind-the-scenes civic activities, Foster handles official timing for all high school track events. Committee members planning the event included: Christine Crawford, of The Chapman Insurance Group, chairperson; Joy Hillman of Vacation With Joy, Ellen Meyers of Harbor North, and Jacqueline Clark, of N2Y.
date... Monday,
At the Huron Chamber of Commerce’s annual recognition dinner, the following members were honored: (front row l. to r.) Dan Hoppe, city of Huron Street Superintendent; Marge Billman, Volunteer; Shirley Jenney of Erie Community Federal Credit Union; Brent Yoakum, Huron street crew. Back row (l. to r.) Bill Scott, HHS teacher & track coach; Wayne Foster of Foster Funeral Home and Doug Studer, past president of the Huron Chamber.
22nd Annual
Chick Schaffner Memorial Charity Golf Classic Catawba Island Club Arthur Hills 18-hole course
June 20, 2011
Erie/Huron County Golfers Contact: Julie Yeager • 419.625.5269 • jyeager@steinhospice.org Ottawa/Lucas/Seneca/Sandusky/Wood County Golfers Contact: Bonnie Knepper • 419.862.4233 • bonnie_knepper@brushwellman.com
North Coast Business Journal
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The Well-Booked Business By Cathy Allen I recently spotted a new book by one of my favorite authors, Marshall Goldsmith. This book is called Mojo: How to Get It, How to Keep It, How to Get It Back If You Lose It and it is now sitting on my reading pile. I will no doubt be preparing a synopsis of it for a future edition of the North Coast Business Journal. In the meantime, I reprise this column from April 2009. As a facilitator, I often develop feedback information for clients as part of preparing for a strategic planning process. Before making decisions about short- or long-term goals, or setting budget priorities, it is helpful to get a sense from board and staff, customers, colleagues, and others, about how an organization is doing, what those people value most or least, and whether the group is meeting expectations. The basic predicate of my work is that most of us don’t get that kind of information in the natural course of a day. To get actionable feedback, it is necessary to ask for it. In this month’s book, Executive Coach and Business Consultant Marshall Goldsmith talks about the importance of developing high-quality feedback… and what to do when the report is less than
pleasant. What Got You Here Won’t Get You There: How Successful People Become Even More Successful By Marshall Goldsmith Hyperion, New York, 2007 SUMMARY: Though we may be completely unaware of it, most people – even highly successful people - have at least a few interpersonal habits that are off-putting to others. Even the most wellintentioned of comments and behaviors can be misunderstood by others, causing us to develop a reputation that is not of our choosing. The book provides a step-by-step guide to finding out how our supervisors, peers or subordinates perceive us and correcting any problems we discover. KEY LEARNINGS: • What we may think of as helping, others may see as arrogance. What we think of as delegating, others may see as shirking responsibility. The way others view our actions or hear our words can be very different from what we intend. • As important as a to-do list can be, a “to-stop” list can be equally so. Goldsmith’s list of 20 bad habits to stop – based on thousands of interviews with the colleagues of his clients – is eye-opening. • Feedback is best when it comes from others who 1) can let go of the past, 2) will pledge to tell the
y? h t al
e h s nes
Is
si u b r u yo
To Help You Employ Drug-Free and Healthy Workers: Drug & Alcohol Testing Services (Collected by Chain of Custody) Physical Exams Fingerprinting
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The 20
April 2011
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interpersonal flaws
that damage our relationships and limit our success 1. Winning too much. 2. Adding too much value. 3. Passing judgment. 4. Making destructive comments. 5. Starting with “No,” “But,” or “However.” 6. Telling the world how smart we are. 7. Speaking when angry. 8. Negativity, or “Let me explain why that won’t work.” 9. Withholding information. 10. Failing to give proper recognition. 11. Claiming credit that we don’t deserve. 12. Making excuses. 13. Clinging to the past. 14. Playing favorites. 15. Refusing to express regret. 16. Not listening. 17. Failing to express gratitude. 18. Punishing the messenger. 19. Passing the buck. 20. An excessive need to be “me.” truth, 3) are supportive and helpful, and 4) are focused more on improvement than judgment. • “Feedforward” refers to feedback which is purposely focused on future progress, rather than on past grievances. When soliciting such information from colleagues or friends, listen carefully to their suggestions without judgment, defensiveness or comment. If you want to know the truth about how you are perceived, you cannot shoot the messenger. • There is no substitute for a timely and sincere apology. To be effective, an apology has three elements: 1) “I’m sorry,” 2) “I’ll promise to do better in the future,” and 3) Silence. Explanations, justifications and additional details only dilute the impact of “I’m sorry. I’ll try to do better in the future.” • Hard as it is to change interpersonal behavior, it is even harder to change people’s perceptions, so anyone committed to changing must continuously remind people that they are trying to change, and enlist their support. • Before we can grasp another person’s meaning or perspective, we must hear it. Active listening requires keeping the mouth shut and engaging the information another person is imparting. Skill at listening is the difference between great leaders and near-great leaders. • Thanking people for a service, favor, or helpful
See BOOKED, Page 28
22 April 2011
North Coast Business Journal
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Firelands Regional Medical Center Receives Number One Ranking in Ohio in Overall Orthopedics HealthGrades, the leading independent healthcare ratings organization, recently published a national study finding that Firelands Regional Medical Center is ranked number one in the State of Ohio and among the top 5% in the nation in overall orthopedics, including spinal surgery. Ratings included all hospitals in the nation (nearly 5,000) and examined mortality rates and complication rates from government quality data reported in 2007, 2008 and 2009. Specifically, Firelands Regional Medical Center received the following HealthGrades 2011 orthopedic ratings, rankings and awards: • Ranked No. 1 in Ohio for Overall Orthopedics in 2011 • Ranked in the Top 5% in the Nation for Overall Orthopedics • Five-Star Rated (Top Rating) for Spine Surgery • Five-Star Rated (Top Rating) for Hip Fracture Repair • Five-Star Rated (Top Rating) for Total Hip Replacement • Five-Star Rated (Top Rating) for Total Knee Replacement • Joint Replacement Excellence Award, 2011 • Orthopedic Surgery Excellence Award, 2011 Firelands Regional Medical Center, together with the orthopedic surgeons and neurosurgeons of Sandusky Orthopedics & Rheumatology, Bone & Joint Surgery, Inc., Access Orthopedics, and Erie Neurosurgery & Associates, ranked higher than any other hospital in the State of Ohio for overall orthopedic surgeries, including back and neck surgeries, as well as knee and hip procedures. “What this means to the patients of Firelands and the patients of these surgeons it that the care they receive is performed by some of the nation’s best orthopedic surgeons and neurosurgeons at the toprated hospital in the state of Ohio,” shares Chuck Stark, President & CEO of Firelands Regional Medical Center.”The ranking is important to the community because it is based on quality measures and surgical results, including mortality and complication rates. When you have access to one of the top orthopedic and neurosurgery programs in the nation – right here in Sandusky – why choose to go anywhere else?” Firelands Regional Medical Center’s ranking is based on the 13th Annual HealthGrades Hospital Quality in America study, the largest annual report of its kind, analyzed patient outcomes from nearly 40 million Medicare hospitalization records over a three-year period. HealthGrades’ hospital ratings are the leading objective, actionable quality measures based solely on clinical performance, and are available to the general public by visiting www.heatlhgrades.com. More information on today’s HealthGrades study, including the complete methodology, can be found at www.healthgrades.com.
North Coast Business Journal
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Main Street Port Clinton Earns National Accreditation Heritage Ohio is proud to announce the 2011 certification of Port Clinton as a National Main Street Community. A member of the Main Street program since 2006, Port Clinton continues to work towards revitalizing the historic downtown district. “We are very pleased to announce that Port Clinton has been recognized as a Nationally Accredited Main Street Community for 2011,” said Jeff Siegler, Director of Revitalization for Heritage Ohio. “This designation is a testament to the hard work and commitment of the Main Street Port Clinton Board of Directors, staff and volunteers. Being recognized as a National Main Street Community signifies that Main Street Port Clinton is proficient in the ten criteria as set by the National Main Street Center. Meeting these criteria is a strong indicator of an organizations ability to successfully revitalize downtown and maintain a healthy and sustainable district.” In 2010, $135,174,342 was invested
across 34 Main Street Districts, of which Port Clinton was one. For each dollar that went into the local budget, communities saw over $35 in improvements such as renovations, new construction and f a ç a d e improvements. Heritage Ohio helps people to: save the places that matter, build community and live better. Heritage Ohio is the leading statewide, notfor-profit preservation organization, dedicated to encouraging and assisting people and organizations to protect and preserve Ohio’s heritage and cultural resources. Formed in 2000, Heritage Ohio has more than 500 members ranging from individuals and households to organizations and local governments. Since 1998, Heritage Ohio has contracted with the National Trust for Historic Preservation as Ohio’s state coordinating agency for the Main Street Program™. Learn more at www.HeritageOhio.org.
April 2011
23
All-Digital Smart Hospital
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FTMC Industrial Health Services is the provider of choice for corporate health needs, offering comprehensive services to business and industry. Our services include but are not limited to: • Walk-In Injury Clinic
• First Aid and CPR Certification
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• On-Site Drug Collections
• DOT Consortium Services
• Occupational Health Education and Wellness Programs
• Pre-Placement and DOT Physicals
FTMC currently works with companies of all sizes. Our services can be tailored to meet any company’s individual needs.
Waypoint Marine Sales Moves to Create Opportunity for Boaters The Waypoint Marine Sales staff, who started their brokerage operation in August of 2010, have moved their offices to Catawba Island, Ohio. Their new home is located in the Mirror Image Detailing complex on Ohio State Route 53, North. As Anne Mulligan of Waypoint Marine Sales explains, “The move is a natural
progression for our growth. Here we have exposure to Catawba Island traffic and we are very excited at our proximity to such a prestigious service and storage yard as Mirror Image Detailing. The new location provides an opportunity to showcase a variety of boats for sale in both inside and outside storage.
For more information about FTMC’s Industrial Health Services, call 419-663-6464 We are conveniently located at 28 Executive Drive in Norwalk. Ample parking and easy access.
272 Benedict Avenue • Norwalk, OH 44857 www.ftmc.com Tomorrow’s Technology. Today’s Personal Care.
24 April 2011
North Coast Business Journal
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IT
Hidden Cost of Freeware By Don Knaur Over the years, I have sung the praises of Freeware time and time again. I still believe in and recommend highly several Freeware programs, such as Avast Antivirus, Ccleaner and AVG Anti-virus and Anti-spyware. However, if you just blindly download and install these programs or other pieces of Freeware, you may find some unwanted surprises. In the past, most Freeware developers have counted on the distribution of Freeware to increase the sales of their top line products and hence pay for the Freeware development and distribution. Today, they want more. I don’t know whether the Freeware developers are being paid to distribute
and promote products and services from other companies or it is a barter agreement, but if you are not careful, you could be caught in a trap. While this will not doing anything to actually cost you money, at least initially, it may hijack your PC and/ or cause you to have performance problems. It could even be the indirect cause of a Malware infestation! The problems start when you install the Freeware. If you do not watch out, you will end up changing your home page and/or installing unwanted and unneeded software on your PC. You need to read the fine print on each page of the installation procedure. Especially if you see a check box or a radio button (a circle with a dot inside or a blank circle that a dot appears in when you click on it). Usually removing the check mark or dot is advisable; however, they have been known to employ
Don’t pitch your unwanted computers! Protect the environment and bring them to Goodwill.
We can recycle them through our Reconnect Program with Dell, Inc.
Be sure to remove personal information from the hard drive before dropping off your PC. Donation Centers
Bellevue
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Norwalk
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If your school, business or organization has a large quantity to donate please call (419) 625-4744
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Proceeds help to fund our employment services for the disabled and disadvantaged. Thank you.
reverse psychology, so careful perusal is required. These devices are set so that you are giving permission to make changes to your PC, whether you want them or not. So be wary! One of the changes often made by the Freeware is to add a search bar to your browser. You don’t actually need a search bar installed on your browser, but may find having one is helpful. More than one is a waste of space and resources, as well as confusing. I recommend that you allow the install procedure to do nothing more than install the software it was originally designed to install. Eventually, this practice may cause the software developers to change their marketing practices, but if they quit offering Freeware, someone else will take their place. An example of this is Adobe Reader. For years it has been available to the public as Freeware and still is. Adobe offers this for free, so that they have a market for their commercial products that write PDF files for distribution to the public. Almost everyone that is connected to the Internet uses the free Adobe products, Reader and Flash Player. This means that almost every Web Developer uses the Adobe products that create Flash and PDF files. However, that is evidently not enough for Adobe, because it is now distributing other products, such as McAfee Internet Security when you download and install their Reader product. This can be very harmful, as the McAfee product is not only an inferior product (this has been discussed in previous articles archived on http://
LEGAL, from Page 19 of their parents going to the children of the second spouse. We have all heard of the family farm passing to the wrong family and nothing can be done to correct the problem. Most of these designations are done for convenience but the unintended consequences can be devastating. Like the titling of any asset, the person should fully understand all of the present and future consequences of their actions. Jeff Roth is a partner with David
www.ncbj.net), but will also cause problems using your currently installed Anti-virus program. While I’m discussing Adobe, I’d like to point out that the Reader product is not as good as it used to be. A lot of users have been having problems caused by the Reader product when trying to read PDF files while online. They are also being bugged by the seemingly endless string of updates that Reader is providing. Fortunately, there is now a much better Freeware choice available, called Foxit. I have used it to replace Reader on my PCs. It is much faster than Adobe and does not require near the resources that you need with Reader. At this time, I have experienced absolutely no problems that could be attributed to Foxit. You may download Foxit from my favorite download site http://www.filehippo. com. While Foxit doesn’t try to push you into loading an unwanted Antivirus program, you may have to uncheck a couple of boxes. Just make sure that the box for making Foxit your default PDF reader is checked. I hope this has helped you see Freeware in a new light. Also, I hope this has helped you realize the dangers of automatically accepting the default values while installing software. Don is the CWO (Chief Working Officer) of Help-Desk, Ohio, a complete computer service center, located in Suite A of the Courtlee Interiors’ Building, 2499 W. Market in Tiffin. Don has a degree in Computer Programming from Tiffin University and has been an Information Technology Professional for over 23 years. He started HelpDesk, Ohio in the spring of 1996 and opened his shop in March 2001. Don welcomes calls for advice or information at 419-448-8020. Bacon of the firm ROTH and BACON with offices in Port Clinton, Upper Sandusky and Marion, Ohio. Mr. Roth is also licensed and practices in Florida. His practice is limited to wealth strategy planning and elder law in both states. Nothing in this article is intended for, nor should be relied upon as individual legal advice. The purpose of this article is to help educate the public on concepts of law as they pertain to estate and business planning. Jeff Roth can be reached at ohiofloridatrust@aol.com (telephone: 419-732-9994) copyright@Jeffrey P. Roth 2011.
www.ncbj.net
April 2011
North Coast Business Journal
25
Kalahari Resort-Sandusky, Ohio Breaks Ground on a $22 Million Convention Center Expansion The nine-month build out will create 141 full-time jobs and 98 construction jobs Kalahari Resort in Sandusky, Ohio recently broke ground on a $22 million expansion that will more than double the size of its convention center. The nine-month expansion
“We pride ourselves in striking the right balance of features for convention guests and leisure travelers to ensure that each has a top-notch, yet very different experience,” said
project, which will employ 239 people, will result in a 215,000 squarefoot convention center and an increase in meeting capacity from 2,200 to 5,200 attendees. Todd Nelson, president and owner of Kalahari Resort Convention Center, also announced today that the resort will start construction on six “Ny-UmBa Entertainment Units” bringing the total guest room count from 884 to 890. When completed in December, 2011, the venue will rival most facilities in the Upper Midwest. At a time when most meetings venues are reporting significant reductions in business and many companies have cut offsite events from their operating budgets, Kalahari is seeing an upswing in conventions and event business and is preparing for significant growth. Adding this level of event space to its current 884 guest rooms will make Kalahari the only under-one-roof complex in the Midwest to feature a convention center and hotel of this scope. Having filled a void in the region since opening its 95,000-square-foot convention center in 2006, the expansion will include a 38,000-square-foot grand ballroom / expo center, a 12,000-square-foot junior ballroom, 14 meeting rooms, a 4,000-square-foot themed outdoor plaza connected to an indoor ballroom and 30,000 square feet of pre-function space.
Nelson, who noted that, with this addition, the resort will have added more than $175 million in expansions since opening in 2005. “This expansion further demonstrates our commitment to building a premier meeting and convention venue in Northeast Ohio.” The distinctive meetings philosophy, for which Kalahari Resort is known, will be carried over in to the new convention space to include state-ofthe-art audio visual, such as interactive whiteboards, video conferencing options, high-end acoustical sound systems, HD-quality projectors and formatted screens, advanced lighting control systems and digital signage. Meeting planners will also appreciate smart design elements including electronically lockable built-in bars and registration areas as well as added warming kitchens in key areas to enhance food and beverage service options. Kalahari’s attention to detail flows through to its décor with its use of earthy colors that are proven to enhance the ability to focus and aid in productivity. Meeting and convention attendees will also be greeted by authentic African artwork, décor and furnishings that have been hand-selected by Kalahari staff in Africa, as well as one-of-a-kind fixtures designed by the resort’s private theme shop. “Many groups we’ve hosted have
been surprised to discover the level of our meetings and event offerings. Although groups want to bring larger statewide or national conventions to us, in the past we were able to accommodate their guest room needs, but we couldn’t accommodate their function space needs,” said Maris Brenner, director of sales for Kalahari Resort in Sandusky, Ohio. “We’re excited to open new doors for Kalahari Resort and the surrounding community with our added meeting space which will draw significantly more attendees.” Nyumba Entertainment Units With the announcement today of the addition of the “Ny-Um-Ba Entertainment Units,” Kalahari will be poised to accommodate additional meetings and large group needs. The African-themed “Ny-Um-Ba,” which means “home” in Swahili, is a fitting name for the 4,100-square-foot standalone units set to debut in November of 2011. Two of the suites will be single units while two duplexes will include two units each, allowing guests to rent an entire duplex to sleep up to 44 or a single unit to sleep up to 22. “These gorgeous units are amenitypacked and ideal for a family reunion or a corporate retreat,” added Nelson. Features of the “Ny-Um-Ba” units include: • Four bedrooms with two queen size beds; each bedroom includes a 42-inch flat screen TV • One bedroom with one king size bed which includes 42-inch flat screen
TV • Recreation room which includes a home theater system featuring surround sound, 65-inch flat screen TV, built-in bar, billiard table, and dart board • Indoor six-person hot tub Fully equipped kitchen, dining area and breakfast nook • Living room which includes a fireplace and 55-inch flat screen TV • Outdoor living area which features a patio • Wireless internet access and two iPod dock • Washer and dryer The authentically African themed resort has generated $27.4 million in taxes and fees for the public sector from 2005 to 2009 thanks to its wide array of offerings that include America’s largest indoor waterpark, outdoor waterpark and adventure park, restaurants, shops and Spa Kalahari. Named business of the year by the Erie County Chamber of Commerce in 2010, Kalahari Resort is the second largest employer in the area with 1,200 employees. “We support this expansion and are excited to see Kalahari Resort continue to grow and bring added visitors to the area, thus spurring economic growth and adding jobs in Erie County,” said Erie County Commissioner Patrick Shenigo. “We’re fortunate to have this level of private investment in our community.”
26 April 2011
North Coast Business Journal
Mercy Willard Hospital Achieves New Status as Accredited Chest Pain Center Mercy Willard Hospital is pleased to that they are having a heart attack to announce that it has received Chest ensure that they are not sent home Pain Center Accreditation from the too quickly Society of Chest Pain Centers (SCPC), “People tend to wait when they an international organization think they might be having a heart dedicated to eliminating heart disease attack, and that’s a mistake,” said Dr. as the number one cause of death Gregory Vigesaa, cardiologist at worldwide. Mercy Willard is one of 4 Mercy Willard Hospital. “The average critical access hospitals in the nation patient arrives in the emergency to receive this accreditation. Mercy department more than two hours Willard is also the only one of two after the onset of symptoms, but critical access hospitals in the state of what they don’t realize is that the Ohio, and the first hospital in Huron sooner a heart attack is treated, the County to receive this accreditation. less damage to the heart and the Hospitals that have received SCPC better the outcome for the patient.” accreditation to emphasize the Mercy Willard’s state-of-the-art importance of standardized diagnostic healthcare encompasses the entire and treatment programs that provide continuum of care for the heart more efficient and effective evaluation patient and includes such focal points as well as more appropriate and rapid as dispatch, Emergency Medical treatment of patients with chest pain System, emergency department, and other heart attack symptoms. Mercy Willard’s quality assurance They also serve as a point of entry plan and the community outreach into the healthcare system to evaluate program. and treat other medical problems, “By becoming an Accredited Chest and they help to promote a healthier Pain Center, Mercy Willard has lifestyle in an attempt to reduce the enhanced the quality of care for the risk factors for heart attack. cardiac patient and has demonstrated “To become an Accredited Chest its commitment to higher standards,” Pain Center, Mercy Willard engaged said Dr. David Jump, Chief of Staff at in rigorous evaluation by SCPC for its Mercy Willard Hospital. ability to assess, diagnose and treat patients who may be experiencing a heart attack,” said Lynn Get off your Detterman, President and CEO of Mercy and place your ad in this Willard Hospital. To Willard and the s u r r o u n d i n g communities, this means that processes are in place that meet strict criteria aimed at: • Reducing the time from onset of symptoms to diagnosis and treatment • Treating patients more quickly during the critical window of time when the integrity of Call Dave at 419-341-3310 the heart muscle can be or email at dkahler@ncbj.net preserved • Monitoring patients for ad rates that are when it is not certain
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Mercy Willard Foundation Receives $150,000 Pledge The Mercy Willard Foundation Board is pleased to announce a generous pledge to the “A Legacy of Compassion, A Commitment to Community” Capital Campaign received in honor of MTD / Midwest Employees. This generous $150,000 pledge brings the campaign total to nearly three quarters of a million dollars. The Mercy Willard Foundation’s goal to support the “bricks and mortar” construction of a new stateof-the-art hospital is the successful completion of a $1 million fundraising campaign. After reaching that goal, the campaign’s stretch goal is to raise an additional $2 million. With these additional donations, the Board of Trustees will be able to add new services and additional equipment in the replacement hospital. “We are very grateful for this
generous pledge to the Capital Campaign,” said Marsha Danhoff, President of the Mercy Willard Foundation. “We are nearing our first goal of raising $1 million dollars to support the construction phase of the project. This is a very exciting time for our community – truly a once in lifetime chance to leave a legacy for years to come.” “We are delighted to have received such a generous donation in honor of the MTD / Midwest employees,” said Lynn Detterman, President & CEO of Mercy Willard Hospital. The employees will be recognized with a plaque in the new hospital cafeteria. MTD Products Inc. is a world leader in the design, manufacture and sales of outdoor power equipment, offhighway transmissions and consumer goods.”
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On the Move Janotta & Herner Inc. Lands Several Jobs for Kalahari Resorts Condominiums
Convention Center
Kalahari Resorts in Sandusky, Ohio, has chosen Janotta & Herner Inc. of Monroeville as the general contractor on the $4 million Ny-Um-Ba condo project. Ny-Um-Ba is Swahili for Home and that’s exactly what Kalahari will be creating with this project. Six units capable of housing up to 22 guests each will be constructed on the east side of the facilities property off route 250 in Huron Township. Each two-story unit will be approx. 4,330 SF and follow the African theme of the main Kalahari Resort. JHI will begin construction April 4 and plans are to open the units sometime this fall. According to Jim Shelley, Janotta & Herner Project Manager: "Our summer is going to be very busy with two major projects here at Kalahari, the second being the foundations for the new Convention Center."
Janotta & Herner has begun foundation work on the new 125,000-square-foot Convention Center being constructed by Kalahari Resorts. JHI was the successful bidder on the foundation package, which also includes pouring of the interior floor. The company has a concrete division and will place 12 men on the project for approximately five weeks. The $22 million Convention Center is slated for completion in December. Derek Guerra JHI Project Manager, states that, “We have been working with Kalahari for some time now on miscellaneous projects. JHI is pleased to be partnering with Kalahari on such a significant project. This Convention Center will mean a great deal to our local economy going forward.” Founded in 1962, JHI has begun its 50th year in business, employs 130 workers and is a 100% employee-owned company.
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2011 Hatbox Auction The 2011 Business Celebration & Hatbox Auction is getting a makeover! This year’s event is hosted by Eagle Isle located in Fremont, Ohio and is Thursday, June 2. The Sandusky County Chamber will fill the evening with raffle prizes, live auction packages and the opportunity to network with current and potential Chamber members. This year’s featured chef is Keith Mosser, who not only caters, but also is co-author of The Healthy Edge Cookbook. For more information about Keith and his services, please visit his website at http://cookingwithkeith.com. The Business Celebration & Hatbox Auction creates an evening of networking and fun in honor of Chamber members. The evening provides members with an opportunity to market their business and invites potential members of the Chamber a chance to become exposed to the many benefits of membership. This multi-member event will be from 5:00 p.m. to 7:30 p.m. on June 2nd. Pre-sale tickets are available for purchase at the Chamber of Commerce for $15.00. If additional tickets are available, they will be sold at the door for $20 each. All tickets sold include, heavy appetizers, drink tickets and raffle tickets. Attendees will have the opportunity to purchase additional raffle tickets at the event. For additional information, contact the Chamber of Commerce Sandusky County. Members who want to “showcase” their business should call the office to sign up as spots are limited. Please visit our Web site for more information on upcoming programs and events, www.scchamber.org.
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28 April 2011
North Coast Business Journal
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Tourism Has One Answer To Helping Ohio Close The Budget Gap!
Theisen Named New Director of Patient Accounts
Executive Director, Connie Durdel of the Sandusky County Convention & Visitor Bureau, joined other members of the Ohio Association of Convention and Visitors Bureaus, the Ohio Hotel Lodging Association, the Ohio Travel Association and Ohio’s Appalachian Country as they visited State Legislators on Wednesday, March 16th to emphasize that tourism can help narrow the budget gap. Over 100 tourism partners visited State Senators and Representatives in Columbus as part of Ohio Tourism Legislative day. According to Longwoods
Firelands Regional Medical Center is pleased to announce that Lori Theisen has been promoted to Director of Patient Accounts. In her new position, Theisen will be responsible for the management of the medical center’s Patient Accounting staff and functions, as well as the coordination of all additions and changes to the Charge Description Master. Theisen received an Associates in Accounting from BGSU Firelands. Theisen has been an employee at Firelands Regional Medical Center for over 18 years. She resides in Sandusky with her husband Thomas and has three adult children and three grandchildren.
International, for every tourism advertising dollar spent on promoting tourism in Ohio, state and local governments realize a combined $13.00 return. That return on investment can help generate the dollars needed to feed the state budget and create more jobs. Phil Craig, executive director of the OACVB states, “Jobs are the most important issue facing Ohio today. By using the local lodging tax to market our communities we are creating and retaining jobs right here in our communities.” Tourism accounts for 437,000 jobs in Ohio as visitors spend $36 billion
in Ohio with a $2.5 billion revenue impact for state and local governments. State tourism officials are scheduled to speak with the Legislature and Governor Kasich’s administration to further advance the benefits of tourism in Ohio. The Ohio Division of Travel and Tourism was recently allocated $5 Million dollars in the Governor’s new budget. Regional tourism is a competitive business and the division will launch its yearly spring tourism ad campaign on May 1st, with $1.5 million being spent on consumer ads in Ohio and surrounding states.
Ottawa County Improvement Corporation
Annual Awards
BOOKED, from Page 21 suggestion merely meets their expectations. Withholding it is damaging to relationships. Remembering to say “thank you” can diffuse a potentially volatile situation, so cultivation of an “attitude of gratitude” can yield big benefits. • Eight rules for positive change given in one of the later chapters include “Pick the right thing to change,” and “If you can measure it, you can achieve it.” • Successful people often find themselves in positions of authority, though with less-than-optimal cooperation from subordinates. The book’s final chapter contains a series of items for the boss’s “to-stop” list, including “Stop trying to coach people who should not be coached,” and “Stop letting your staff overwhelm you.” TOOLS: A 72-question executive feedback instrument in an appendix called the “Global Leadership Inventory.”
L to R Front Row: Michael McCann, Large Business Category, McCann Family Businesses; Jan Pugh, Small Business Category, Packer Creek Pottery; Julene Market, Personal Achievement, Miller Boat Line – 105 yrs; Brian Snyder, Economic Development Partner Award, Snyder Group – Sutton Center Project. L to R Back Row: Don Dockerty accepting for Ralph Ruta, Entrepreneur Award; Ruta’s Lodging Industry, Inc.; Mike Detzel, Medium Business Category, CTAM (formerly Chipmatic); Jim Adkins, Volunteer of the Year, Ottawa County Building & Grounds Superintendent; Dave Grosjean, Bill Mack Award, Genoa Downtown Business Merchants; Keith Smith, Business of the Year, Materion-Brush Wellman.
Cathy Allen is the owner of Creative Option C, LLC, a consulting firm in Marblehead dedicated to helping groups and organizations invent solutions together. To learn more about how Creative Option C can help you and your organization, call us at 419-732-1770 or check out our website at www.CreativeOptionC. com. Also posted there are additional book synopses and original articles.
North Coast Business Journal
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OBC’s Schultz Earns Masters Degree Greg Schultz, Director of Education for the Sandusky Campus of Ohio Business College recently earned a Master of Science in Higher Education- with a major in College Administration and Leadership from Kaplan University. Schultz started as a part-time instructor for Ohio Business
College in January of 1995. In 2001 he was hired as a full-time Technology Coordinator and in 2004 was promoted to the Director of Education. Prior to OBC, Schultz graduated from The University of Toledo with a Bachelors Degree in Mechanical Engineering Technology and was employed as a Product Design Manager for Ohio Industries in Bucyrus, Ohio. Schultz currently resides in Castalia with his wife and two children and is a Scout Master for the Boy Scouts of America.
Rupp adds Duties at Norwalk Memorial Home Kristin Rupp of Monroeville recently was promoted to assistant nursing home Administrator at Norwalk Memorial Home. Under the direction of Peg Baird, executive vice president and licensed Nursing Home Administrator, Rupp finished a ninemonth administratorin-training program approved by the
State of Ohio. She successfully passed the state and federal licensure exams and received her license in late 2010. Rupp was named the director of The Carriage House in February 2009. Rupp will continue in this role and will also provide leadership and support to the Norwalk Memorial Home team as assistant administrator. She has been employed at Fisher-Titus Medical Center since June 2005 and has also served as the Marketing/Admissions Coordinator at both Norwalk Memorial Home and The Carriage House.
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Dr. Alfred A. Kafity Elected American College of Gastroenterology Fellow Board Certified Gastroenterologist Dr. Alfred A. Kafity, a member of Fisher-Titus Medical Center’s medical staff, has been elected a Fellow of the American College of Gastroenterology (ACG). The d i s t i n c t i o n r e c o g n i z e s achievements in gastroenterology. Dr. Kafity of Bay Area Gastroenterology in Norwalk was elected upon the recommendation of peers and the review of ACG’s Credentials Subcommittee. He may now use the letters “FACG” after his name in recognition of this honor. Dr. Kafity also is a fellow of the American College of Physicians. He is
the immediate past president of the Huron County Medical Society. He is an active member of the Firelands Surgical Center, American Society of Gastrointestinal Endoscopy (ASGE), American Gastroenterological Association (AGA), American College of Physicians (ACP), and the Crohn’s and Colitis Foundation of America (CCFA). He is a frequent lecturer on issues related to Colon Cancer Awareness and Prevention. Dr. Kafity earned a medical degree from North Texas State University Health Science Center-College of Osteopathic Medicine, Forth Worth, Texas and completed his internal medicine residency at The Ohio State University Hospitals in Columbus. He then completed a fellowship in gastroenterology at The Ohio State University Hospitals.
30 April 2011
North Coast Business Journal
Cramer Promoted to Director of Infection Control and Patient Safety Firelands Regional Medical Center is pleased to announce that Susan Cramer, RN, CIC, has been promoted to Director of Infection Control and Patient Safety. In her new position, Cramer is responsible for the coordination of the hospital-wide Infection Control Program which i n c l u d e s surveillance, prevention, reporting and a new program with the Ohio Department of Health for electronic
lab reporting and surveillance that interfaces with the Centers for Disease Control and Prevention (CDC). She will also take the lead in Patient Safety related to the 34 Safe Practices for Healthcare, as Infection Control is a major component of any Patient Safety Program. Cramer received her Registered Nurse (RN) credentials from the Providence School of Nursing. She has been an employee at Firelands Regional Medical Center for 24 years, working in Infection Control for the past four years. Cramer resides in Castalia with her husband Forrest and has four children.
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FTMC’s Soisson Certified in Autism Education Lindsey Soisson, a speech-language pathologist and Fisher-Titus Medical Center’s Pediatric Special Programs Coordinator, recently was certified in autism education through National University. The four-course sequence provides an orientation to terms and characteristics of autism spectrum disorders, behavior management principles, evidence-based teaching techniques, and skills needed to effectively collaborate with parents and families of children with autism. Soisson, a native of Norwalk, joined Fisher-Titus in September 2008. As the Pediatric Special Programs Coordinator, she coordinates and develops pediatric therapy programs for those with autism and other neurodevelopmental disabilities. Soisson has been working with children with autism spectrum disorders for over seven years. From 2004-2008, she worked at the country’s largest non-profit organization for children with autism, The Help Group, located in Los Angeles, Calif. At The Help Group, Soisson provided individual and
group therapy services to children with Autism Spectrum Disorders, e m o t i o n a l disturbances and developmental disabilities. She also helped develop curriculum and programs for their preschool program for children with autism. Soisson also is certified and trained in Hanen Programs: It Takes Two to Talk and More Than Words, as well as being proficient in the Picture Exchange Communication System (PECS). Soisson received her bachelor of science in hearing, speech and language sciences from Ohio University in 2002 and a master of science in communication disorders from Case Western Reserve University in 2004. In graduate school her focus was on children with autism spectrum disorders and early intervention. She completed graduate internships at the Positive Education Program and The Cleveland Clinic Center for Autism in Cleveland, Ohio.
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North Coast Business Journal
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April 2011
31
Ohio Tourism Division Releases 2010 Return on Investment The Ohio Department of Development’s Tourism Division today announced their 2010 paid marketing “Too Much Fun for Just One Day” campaign resulted in a $13 to $1 return on investment for Ohio – a return of $13 in state and local taxes for every $1 invested in tourism marketing. “We are very happy with the consistently strong performance of
our paid marketing program beginning with a $12 to $1 return on investment in 2008 and capturing $13 to $1 for two years; that’s a good return in anyone’s book,” said State Tourism Director Amir Eylon. Total taxes received in Ohio as a result of Ohio’s tourism marketing campaign were estimated at $19 million for 2010 with $8 million of that total going to local taxes and
$11 million to the State of Ohio. “These results affirm that the Tourism Division is on target with their messaging and tactics, and they are efficiently maximizing their budget,” said Ohio Department of Development Director Mark Kvamme. Research conducted on behalf of the Ohio Tourism Division also revealed that the Division’s 2010 paid consumer marketing efforts generated
approximately $275 million in new visitor spending. Ohio visitors spent an average of $188 per visit in 2010. “The ‘Too Much Fun for Just One Day’ campaign has successfully capitalized on the trend toward regional travel coupled with the great values and diverse tourism experiences offered by our industry partners in Ohio,” Eylon said.
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Coming next month: Focus on Huron and Vermilion
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32 April 2011
North Coast Business Journal
Cmty Benefits 2010 NC Biz.pdf
12/16/10
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Serving the Community SAVING LIVES
COMMUNITY BENEFIT REPORT 2010 QUALITY CARE Emergency Department Visits.................17,450 Inpatient Admissions ................................2,311 Inpatient/Outpatient Visits .....................80,976 Surgical Procedures ..................................4,444
For more than 90 years, Memorial Health Care System has been serving the local community. As we continue to be a non-prof it organization that is dedicated to making Sandusky County a better place to live, MHCS accounts for a total economic impact to the community of over $150 million. In addition to the economic benef it to our community, Memorial Health Care System provides essential services that educate, save lives, and keep Sandusky County healthy.
Lab Tests ...........................................1,138,667 Physical Therapy Treatments ................110,954 Diagnostic Imaging Procedures ..............44,857 Pain Management Patients .......................9,128 Home Health Care Visits ...........................7,994 Hospice Visits..........................................15,428 HealthLink Visits .....................................15,554 COMMUNITY INVESTMENT Mobile Meals..........................................10,688
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Over 150 physicians on staff, with more than 100 specialists
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Memorial Women’s Health Services, featuring OB/GYN specialists
Total Payroll and Benefits.............. $29.3 Million
Child and Adult Specialty Clinic, featuring infectious disease specialty care
Charity/Uncompensated Care ........ $7.3 Million
Newly renovated 13 bay Emergency Department
Utility Payments .................................$870,069
Auxiliary of Memorial Hospital Women’s Diagnostic Center, opened in 2010
Dollars Spent Locally .................... $12.7 Million
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Weitzel-Kern Surgery Center
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Herbert-Perna Center for Physical Health
Total Volunteer Hours .............................39,160
Capital Investments ........................ $4.2 Million
memorialhcs.org