POSTMASTER: TIMELY MATERIAL. PLEASE EXPEDITE.
Celebrating 17 Years of Service OCTOBER 2011 Vol. 17 No. 10
INSIDE THIS MONTH Marketing: Tortoise or the Hare?.................2
By: Donald Icsman Acting City Manager and Carrie Handy, Chief Planner, City of Sandusky
Financial Planning: Seeing the Big Picture............. 15
The “Paper District,” the area of downtown Sandusky between Sandusky Bay and West Water Street and between Jackson Street and McDonough Street, represents a significant part of the City’s local history due to the four major industrial employers that have called the area home. The Hinde and Dauch Paper Company holds the distinction of having been a pioneer in the development of corrugated cardboard packaging products including shipping boxes, bottle wrappers and store display stands. The Sandusky Foundry and Machine Company (locally known as Sandusky International), recently purchased by MetalTek, continues to manufacture centrifugally cast paper suction rolls and is a major employer in downtown Sandusky. The Automatic Paper and Machine Company, later purchased by Scott Paper, was a key manufacturing facility for the production of waxed paper. The Stowe-Woodward Corporation was a major
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expansion of operations for Sandusky Foundry and Machine. Together these factories played a key role in Sandusky’s industrial economy during the 20th century. During the first part of the 21st century, however, the Paper District evolved into a major area of focus for the City of Sandusky in the redevelopment of its
ABOVE: The Lofts at Mariners Cove. LEFT: A picture of factory workers on the south façade of the original Hinde & Dauch paper company building around 1910-18, now known as the Keller Building.
See SANDUSKY, Page 6
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 October 2011
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Are you the “Tortoise” or the “Hare?” By Jeffrey H. Bryden Editor
their mass selling effort. Does this sound rational? Not only does continuing or As children, lessons on life were increasing your advertising budget passed on to us in the form of during slow times make common fairytales. One which most of us sense, there is “tons” of research to remember is the story of the race reinforce that this is also a good between the tortoise and the hare. business practice. And we know My old company, Meldrum & who won. Fewsmith Communications in Companies, like Cleveland, teamed up with McGraw these fictitious Hill and the BPA for 15 years of animals, are race studies covering over 60 companies competitors too. that advertised during four And the victory recessionary periods. Thirteen of usually goes to these firms cut their budget by up to those who are half during the two year period of c o n s t a n t , each recession, while the remaining consistent firms increased theirs – with increases performers. Consumers appreciate ranging from 20% to up to 70%. consistency in price, product and The firms that increased their mass promotion – it’s reassuring to them. selling (advertising) not only Yet when times slow down, as things continued to grow, but grew in both have a way of doing in our region’s sales and net income at a more rapid seasonal economy, many companies rate when the country’s economy start to pull back their advertising. improved. Like the tortoise retreating back into One of my former colleagues, J. his shell? Wesley Rosberg, who conceived and When your sales slow down, do you led this research, summed it up: “I fire your sales force? Hopefully not! have yet to see any study that proves The last thing you’d want to do when that timidity is the route to success. sales slow down is to cut back or Studies consistently have proven that eliminate your sales efforts. companies that have the intelligence NCBJ Berrysaha0711.pdf 7/28/11 10:24:15 AM What do you do in a sales downturn? and guts to maintain or increase their Pull all your people together? Give them a pep talk? Develop some sales incentives and promotions – either for your people or to pass along to customers? Re-direct sales efforts for extra emphasis on key accounts or on more profitable products? Or even add a few temporary sales people to get you through the slump? St. Charles Place for Outside Dining You’d look for ways to energize, fine-tune and revitalize your efforts, wouldn’t you? Yet, while no one in their right mind would eliminate the personal selling effort when times get tough, many entrepreneurs and managers are quick to cut their advertising budget,
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overall marketing and advertising efforts in times of business downturns will get the edge on their timid competitors.” Indeed, many successful companies view slow economic time as an opportunity. Charles Brower, former president of BBDO, stated, “Instead of waiting for business to return to normal, you should be cashing in on the opportunity your overly cautious competitors are creating for you ... the fact that your competitors are pulling back can make your advertising dollars look and act even bigger. There are few things as detrimental as a lapse in advertising. It costs much more to get advertising momentum up than it costs to keep
it going. Once you let momentum die, you must start almost from scratch again.” As Mr. Brower points out, your advertising dollars have given you a presence, a “share of voice,” in the marketplace. If you do nothing more than maintain your customer communications budget, as the competition starts to cut theirs, your consumer “share of mind” awareness will increase at no additional cost! Maybe, in our personal and our business life we should all remember the outcome of the proverbial race between the tortoise and the hare -where the victory went to the competitor who never rested, but kept everlastingly at it.
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Dates and Times
2011 Locations
October Schedule
Wednesday, October 5 9:30 a.m. – 11:30 a.m.
Ottawa County Improvement Corporation, Conference Room 8043 W. SR. 163, Oak Harbor
Wednesday, October 12 9:30 a.m. – 11:30 a.m.
Tiffin Area Chamber of Commerce, Conference Room 19 W. Market Street, Tiffin
Wednesday, October 19 9:30 a.m. – 11:30 a.m.
Erie County Chamber of Commerce, Conference Room 225 W. Washington Row, Sandusky
Wednesday, October 26 4:30 p.m. – 6:30 p.m.
Terra Community College, Building B, Room 101 2830 Napoleon Road, Fremont
To register, contact: Bill Auxter, Director Ohio Small Business Development Center at Terra Community College Toll-Free 800-826-2431 or 419-559-2210 or email bauxter@terra.edu
The Small Business Development Center Program of Ohio (SBDC) is funded in part through a cooperative agreement with the U.S. Small Business Administration (SBA). The SBDC program is also funded in part by the Ohio Department of Development. All opinions, conclusions recommendations expressed are those of the author(s) and do not necessarily reflect the views of the SBA. Reasonable accommodations for persons with disabilities will be made if requested at least two weeks in advance. Contact the SBDC at Terra Community College, 419.559.2210.
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Congresswoman Marcy Kaptur (r) joins newlyinstalled Chamber President John Pheiffer (l) in honoring NASA’s Plum Brook Station with the Chamber’s Youth Service Award. The award was accepted by Plum Brook Station’s Deputy Director, David Taylor.
October 2011
We’re in the business of commercial loans, and business is good.
Sandusky’s Looking Up By John Moldovan, President, Erie County Chamber of Commerce A year ago, we were cautious about the economic situation in Sandusky and Erie County, but we’re much more optimistic about our future. Several things are on the outer edges of our possibilities, and all bode well for us. We have been approached with concepts that are exciting and dollargenerating, but much work will have to be done before they become reality. However, some of the positive that are actually happening, that will bring us economic plusses, are the sale of the ACH (Ford) plant in Perkins Township, and the massive expansion of Kalahari’s Convention Center. As the automotive industry seems to be back on the upswing, we expect that our local plants to be part of that upward flow. We have a great history of Kalahari’s aggressiveness, and with even more facilities with which to work, there will be the attendant ripple effect through several sectors of our local economy, i.e., retail and services businesses, in addition to tourism. While they are not centered in the City of Sandusky, when it comes to projects like these, economic realities quickly blur political boundaries. Among new ventures being kicked around right now include the possibility of a military park, focused on the citing of a decommissioned U.S. Navy ship; a “look-see” at the community by a minor league baseball franchise; and, perhaps, a new recreation complex that will not only serve local citizens, but will
attract business, also. There is a tendency to overlook our industrial community, but we continue to have great diversity in our industrial concerns. We are fortunate in that regard, because it tends to mitigate the effects of economic downturns, comparatively speaking. Downtown Sandusky continues to experience an interesting revival, and is becoming an epicurean focal point along the North Coast. J. Bistro’s addition to other quality establishments was recently joined by the announcement of the opening of a gourmet hotdog restaurant. A handful of other retail establishments, and the addition of more service businesses make for a very viable downtown; one that draws positive comments from all the out-of-town visitors that stop into the Chamber office. The Downtown is also an entertainment focal point for the community, what with concerts, shows and street events that attract a variety of folks from all over. When you take a moment and consider all that we have available to us, locally, I believe we compare favorably to other communities our size, and even larger. We have excellent governmental, educational, health, and private sectors services, and best of all, a citizenry that values its community, and is willing to work to ensure its success. We join with our local economic development colleagues in working toward the growth of the community, both through expanded local establishments, and through the addition of new ventures.
Robin Grathwol, Jeff Huber, Lee Jordan, Terry Chapman, Rich Finneran
While other banks are turning local business borrowers away, Citizens Bank has a different point of view. We know that the cornerstone of a strong community is strong local business. That’s why we’re making commercial lending and financial services to area companies a priority. We’ll help your business move ahead with loans, checking, cash management and reserve options, and wealth management plans. Contrary to what most banks would have you believe, this could be a great time for a business loan. Call or visit a Citizens Commercial Banker today.
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4 October 2011
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BGSU FIRELANDS ALL COLLEGE BOOK SERIES
The Immortal Life of Henrietta Lacks by Rebecca Skloot
Doctors used her cells without asking. More than 20 years later, her children found out. Their lives would never be the same.
Events are Free and Open to the Public Oct. 12, 12:30 p.m., West Building Room 115
A PIONEERING EVENT: HeLa Cells Discovered!
Christine Genovese, Ph.D., Associate Professor, BGSU Discussion on the importance of the HeLa Cells issue for the scientific community and all in general.
Oct 19, 12:30 p.m.,Cedar Point Center Auditorium
Informed Consent and Breach of Duty: A Case Study of Henrietta Lacks
Candy Shealy, RHIA; Instructor, BGSU
Oct. 25, 12:30 p.m., Cedar Point Center Auditorium
An Afternoon with Harriet A. Washington
Washington has been a fellow in ethics at the Harvard Medical School, a fellow at the Harvard School of Public Health, and a senior research scholar at the National Center for Bioethics at Tuskegee University. As a journalist and editor, she has worked for USA Today and several other publications, been a Knight Fellow at Stanford University and has written for such academic forums as the Harvard Public Health Review and The New England Journal of Medicine. She is the recipient of several prestigious awards for her work. Her latest book is entitled, MEDICAL APARTHEID, The Dark History of Medical Experimentation on Black Americans From Colonial Times to the Present.
One University Drive • Huron, OH 419.433.5560 www.firelands.bgsu.edu
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Cedar Point Enjoys an Exciting Summer On the Shores of Lake Erie With the addition of a tall new ride, an internationally renowned hot dog eatery and a nighttime show featuring music and pyrotechnics, Cedar Point has enjoyed an exciting summer on the shores of Lake Erie. If that wasn’t enough, the Sandusky, Ohio, amusement park/resort was recently named as the Best Amusement Park in the World in the prestigious Golden Ticket Awards presented annually by Amusement Today newspaper, an international publication that covers the amusement industry. It was the 14th consecutive year Cedar Point has earned the award. In June, the park introduced WindSeeker, a 301-foot-tall swing ride that towers above the Cedar Point Beach. Seated in open, twopassenger chairs with their feet dangling in the air, riders are treated to spectacular views of Cedar Point, Sandusky Bay and Lake Erie. “The view from the top of WindSeeker is absolutely stunning,” said John Hildebrandt, vice president and general manager of Cedar Point. “The excitement level builds as the swings ascend to nearly 30 stories above the beach.” Another guest favorite has been the addition of Pink’s that specializes in premium hot dogs, chili dogs and onion rings all served with fresh toppings. It also serves fresh hamburgers, cheeseburgers and french fries. The Pink’s location at Cedar Point is its only franchise located east of Las Vegas. The park also presented a new nighttime show when American Portrait premiered in early June. Sponsored by the Marathon Petroleum Company LP, American Portrait featured lively music, vivid hi-res images and colorful pyrotechnics that illuminated the evening sky. The new show had a patriotic theme that paid tribute to our troops and the land they protect. Currently, Cedar Point is hosting HalloWeekends, its fall festival of fun and frights. Returning for its 15th year, HalloWeekends provides an unmatched mix of rides and roller
WindSeeker coasters, haunted houses and fright zones, live shows and special attractions such as the Monster Midway Invasion Celebration parade that features four new floats. This year HalloWeekends has added two new fright zones, Screamworks and Blood on the Bayou, and two new shows (The Edge of Madness – Six Feet Under and Dr. Cleaver in the Clink). For the second consecutive year, HalloWeekends at Cedar Point has received the Frightmaster Award, the highest rating given by HauntedHouseTours.com, a popular Halloween website. HalloWeekends at Cedar Point will be held Friday nights, Saturdays and Sundays through Oct. 28-30. In addition to being named the world’s best amusement park, Cedar Point also received recognition for its coaster collection. The park’s Millennium Force roller coaster was named as the “Best Steel Roller Coaster in the World” for the second consecutive year and the sixth time since its introduction in 2000. Four other Cedar Point roller coasters were ranked in the Top 25. The Top Thrill Dragster (9th) and Magnum Xl-200 (10th) were the park’s two other Top Ten finalists while the Raptor was ranked 18th and the Maverick captured the 21st spot. Cedar Point also received another very special honor at the Golden Ticket Awards as Dick Kinzel, CEO of the Cedar Fair Entertainment Company that owns and operates Cedar Point and 10 other amusement
See CEDAR POINT, Page 5
October 2011
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Creating Business Friendly Communities By Peter Zaehringer Executive Director Erie County Economic Development Corporation There are various signs of what to look for in business friendly communities, e.g. an “open for business and pro-business” attitude, a skilled workforce, available incentives and programs, a sound infrastructure, just to name a few. And while there are various other signs that describe a business friendly community, the most important aspect is that if any of these “signs” are nonexistent or imperfect, the community is willing to acknowledge and address those gaps. “Ask, and you shall receive” Business friendly communities focus on supporting local businesses by working and communicating with them. We have to embrace new economic strategies to become a business friendly community, think outside the box, and not be afraid of inviting businesses and other stakeholders to join us in those discussions and find ways to help our
businesses grow and thrive. One strategy that embraces this thinking is Economic Gardening. Its philosophy embraces strategies to grow existing businesses in a community. It is a unique, yet proven economic development strategy based on the fundamental concept that entrepreneurs drive economies. Erie County and its communities are very unique in its economic opportunities and challenges and I believe that economic gardening will prove to be a successful vehicle for consistent and organic growth of existing businesses, entrepreneurs and future investors alike. In today’s economy we must also think beyond political boundaries and leverage relationships within our region and implement a framework that focuses around job retention, growth and attraction by collaborating with leaders from both private and public sectors. We now need to use this opportunity to embrace working together to compete, and not compete against each other. In less than a year, with the gracious support of various stakeholders, we
were able to quickly implement programs and initiatives that are the basis for such a framework. Among those are: RISE – our Regional Incubator for Sustainability and Entrepreneurship located at BGSU Firelands An Economic Development Task Force that works together collaboratively to service investment opportunities countywide Our lead referral initiative to share investment opportunities with all Erie County communities Public forums that inform local businesses of programs and services available to them Our Business Expansion and Retention Program which serves as a vehicle for continued communication between ECEDC, local communities and businesses These services help create an environment for young talents to explore local opportunities, help existing businesses grow and provide a basis for regional collaboration. A recent increase in current local expansion and attraction projects, and quickly rising client numbers
within our RISE program are positive indicators that these programs are relevant and work. Our partnerships with local elected officials, foundations, regional economic development organizations and other stakeholders provide a solid foundation for future growth. We need to build upon those relationships as the most successful economic development campaigns involve tightly coordinated teams or organizations within a region. These teams must look past geographical boundaries of cities, counties and sometimes state borders to promote a single message for an entire region. While we are nowhere near done, in economic development you never are, I am excited about what we have achieved in less than a year. I am also very excited every time I see the natural and man-made assets we have to promote economic development in Erie County and our region. I’m looking forward to continue to create business friendly communities in Erie County. What a great place to work and live!
CEDAR POINT, from Page 4 parks, was selected to the Legends Series that recognizes the top examples of dedication and achievement in the amusement industry. “It was a very special day,” said John Hildebrandt, vice president and general manager of Cedar Point. “Not only was our park and our roller coaster named as the best in the world, but Dick Kinzel, who has been a mentor to many of us in the industry, was recognized for his many achievements.” Cedar Point also has plans to make next summer even more exciting than this year. In August, the park unveiled Dinosaurs Alive! on Adventure Island, a prehistoric themed attraction, for 2012. It will be located on the island that is located in the lagoons toward the back of the park. Dinosaurs Alive! will be multisensory and interactive. It will feature approximately 50 life-size animatronic dinosaurs that will
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dozen themed exhibits and displays. There will also be informational signs for each exhibit and guides and fossil displays that will make Dinosaurs Alive! entertaining and educational.
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6 October 2011
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Marketing Lake Erie Shores & Islands Jill L. Bauer Public Relations Coordinator, Lake Erie Shores & Islands East Lake Erie Shores & Islands® is a cooperative marketing partnership between the visitor bureaus of Erie and Ottawa counties. This partnership, now in its sixth year, has proven beneficial in marketing our north coast Ohio destination to potential visitors, attracting nearly 7 million annually. The Lake Erie Shores & Islands (LES&I) team includes in-house visitor interaction, marketing, public relations and social media staff who promote the region through a variety of mediums. In addition, LES&I works with both a traditional advertising agency and a digital agency to assist in advertising promotions. LES&I has recently wrapped up a successful summer promotional season and is in the midst of a fall campaign. Summer marketing was geared toward family travelers, while the focus of fall marketing is aimed at those who travel without children – young couples, empty nesters, girlfriend and guy friend getaways. The message of all LES&I advertising in 2011 has been “Unplug to Recharge,” and all marketing has used that theme in one way or another. Advertising mediums used for the summer
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campaign included two different television commercials that aired from May 30 – August 21 in Cleveland, Columbus, Dayton and Pittsburgh; online display ads on a number of sites including Facebook, TripAdvisor, Pandora Internet Radio, dispatch.com, Cleveland.com, Google, Casale and Specific media; pay-per-click search terms on Google and Yahoo; print advertising in several national and regional magazines and newspaper inserts; radio in Charleston and Huntington, WV; and outdoor advertising locally to “welcome” the visitors to the region and remind them to “recharge” while they are visiting. LES&I also participated in a mobile marketing promotion with the Ohio Tourism Division, sharing our message at a number of special events in Ohio and neighboring states. Several components of the summer advertising campaign have recently been recognized by the Ohio Association of Convention and Visitors Bureaus with three Middy Awards for print, radio and television advertisements. LES&I maintains a social media presence on TripAdvisor, Facebook, LinkedIn, Twitter, Foursquare, two Blogs (WordPress), YouTube and Flickr and continue to increase the number of individuals and businesses visiting our social networking pages. For example, from September 2010 to September 2011 we’ve had a 279% increase
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Bryan P. Kuns, DO Medical Director
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in Facebook followers and a 168% increase in Twitter followers. A new bi-weekly video feature, “Shores & Islands Shorts,” has become very popular with our consumers. Our YouTube video views have grown from 8,699 in September 2010 to over 20,000 viewers in September 2011. Our social media marketing creates more personal relationships with potential visitors as well as locals. Public relations strategies include a monthly consumer e-newsletter with over 22,000 subscribers, press release distribution to national and regional media, and hosting a number of journalists (either on organized group tours or individual visits) to tour the Lake Erie Shores & Islands area and spread the message to their readers. For the fall season, Lake Erie Shores & Islands is aggressively pursuing a secondary target audience - the non-family audience. Fall getaway packages are being marketed throughout the campaign which includes five weeks of radio (Cleveland, Columbus, Akron and Toledo) with 150 TRP’s per week, from August 22 - September 25; online display advertising with a dedicated landing page promoting the packages from August 22 - September 30; and an advertorial in Ohio Magazine which is designed for this audience. The LES&I team is anxiously awaiting results so that we can measure the effectiveness of this fall campaign. The hope is that the extended advertising exposure will result in an extended season for our lodging and attraction partners.
SANDUSKY, from Page 1 downtown and waterfront. The first part of the redevelopment of the Paper District began with the rehabilitation of the former Hinde & Dauch factory building into the Chesapeake Lofts condominium project. This project was finished in 2009 and created 190+ waterfront condominiums along with a public waterfront walkway all around the perimeter of the building which is part of the City’s Sandusky Bay Pathway. The second phase of the Paper District redevelopment was recently finished by the City of Sandusky this summer. The City constructed the new Paper District Marina Boat Basin and Amphitheater immediately west of the Chesapeake Lofts building. The public marina opened for transient dockage on June 14, 2011, making it Sandusky’s 16th public waterfront access site. The Marina Boat Basin and Amphitheater property was formerly the site of the Scott Paper Company, also known locally as the Tri-Cor industrial complex. The City purchased this property in 2003 and began remediating the environmental issues on the site with the assistance of a $3 million Clean Ohio Revitalization Fund Grant. The Marina was also funded using tax increment financing dollars from the Paper District Tax Increment Financing
See SANDUSKY, Page 9
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The Well-Booked Business By Cathy Allen
Much of the work I do involves developing feedback for my client organizations. Using surveys and confidential interviews with internal and external customers, we develop a picture of how the agency is perceived by others. The information is then shared with their management team or board so they can use it during strategic planning. It is always interesting to see how people respond to such feedback – positive and negative – it is often a surprise. One of my favorite books on the subject of feedback is called What Got You Here Won’t Get You There; How Successful People Become Even More Successful by Executive Coach Marshal Goldsmith. This month’s book, also by Goldsmith, continues in the same vein, teaching readers the importance of syncing your internal experience to other people’s experience of you. This is true for businesses and organizations as much as for individuals. Mojo: How to Get It, How to Keep It, How to Get it Back if You Lose It, by Marshall Goldsmith with Mark Reiter, Hyperion, 2009. SUMMARY: When we love what we are doing, it shows. Since people tend to support those who are clearly positive and happy, we can build momentum for success simply by making sure we are genuinely fond of our work. Whenever or wherever our Mojo flags, it makes sense to put attention on why, and give effort to reestablishing it. Goldsmith defines Mojo as “that positive spirit toward what we are doing now that starts from the inside and radiates to the outside” and then addresses each of its component parts in succession. The book becomes a “how to” guide, showing readers the path to increased meaning and satisfaction in work and in life.
KEY LEARNINGS • For most of us a gap exists between how we perceive ourselves and how others perceive us. This may be wider in some aspects of our lives than others. In areas where our Mojo is weak, people can see our unhappiness or boredom or irritation. In today’s world of 24/7 connectivity, the personal and the professional bleed into each other and often become inseparable. • Since our Mojo starts from within, we start with an assessment of ourselves in order to begin measuring it. The opposite of Mojo – Nojo – is the difference between taking responsibility and playing the victim, between appreciating opportunities and tolerating requirements. Knowing our own tendencies is a first step to building Mojo. • Inertia is real. Once our backsides land on that sofa, it can be very difficult to get back up again. So even if watching TV adds no value to our lives, we’re likely to continue with it for hours, at the expense of participating in an activity that adds joy or leads productively to long-term meaning. • Here Goldsmith spells out four different kinds of individual identity and their interrelationships: 1) Remembered Identity, related to our past, 2) Reflective Identity, related to who others tell us we are, 3) Programmed Identity, which has to do with the belief systems we are raised in, and 4) Created Identity, which we define for ourselves. • Some achievements are recognized by others, whereas some are very personal and known only to ourselves. Pursuing goals that are personally valuable can build Mojo, whether or not the achievement is appreciated by those around us. When we are comfortable with our own motivations, it will radiate to the outside. • Our reputation is about how other people see us, which may or may not have much relationship to
October 2011
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The Mojo Toolkit 1. Establish criteria that matter to you. Define your life’s mission and choose your life’s activities accordingly. 2. Find our where you’re currently living. Conduct a self-assessment to determine where your Mojo level is now. 3. Be the optimist in the room. Positive people are more attractive to others and therefore have an advantage in building success. 4. Take away one thing. If there is something in your life or work day that is dragging you down, eliminate it. 5. Rebuild one brick at a time. Resist the urge to take on everything at once. 6. Live your mission in the small moments, too. A clear purpose, or lack thereof, manifests itself in behaviors big and small. 7. Swim in the blue water. Seek a unique and sensible niche and fill it. 8. When to stay, when to go. Making good choices about when to stick it out and when to cut our losses is fundamenhow we see ourselves. We cannot create our reputation, but we can influence it. Most people are too nice to share any negative impressions they may have of us, leaving us completely ignorant of how we are perceived. • Worrying about things that cannot be changed has a negative effect on our Mojo. Being able to accept circumstances and move on is an important skill, in business and in life. • The author has identified six common mistakes that damage our Mojo: 1) Over-committing, 2) Waiting for the facts to change, 3) Looking for logic in all the wrong places, 4) Bashing the boss, 5) Refusing to change because of “sunk costs,” and 6) Confusing the mode you’re in (being relaxed or casual with people at work, or formal and professional at home.) • For today’s busy professional, business owner, or knowledge worker, Mojo is not an optional nicety. Increased competition for fewer work opportunities means
tal to our reputation. 9. Hello, Good-Bye. If you must leave a job prematurely, take steps to mitigate the impact on your Mojo. 10. Adopt a metric system. What data do we have for evaluating where we are? Pick something to measure and check it periodically. 11. Reduce this number. If the amount of time spent talking with others about pointless, silly things is above 10% of your day, bring it down. 12. Influence up as well as down. Make your boss a customer. Strive to please that person and to keep him or her informed. 13. Name it, frame it, claim it. If there’s something you want to change or improve about yourself, give it a name. This cognitive trick increases understanding and focus. 14. Give your friends a lifetime pass. If someone adds value to your life overall, let the little things go. positivity of spirit will be a difference maker between people of otherwise equal skill sets. TOOLS: A ten-question selfassessment tool for measuring our own Mojo, also available online at www.mojothebook.com, as well as a 13-part “Reputation Questionnaire” designed to help us understand how we are perceived by others. Have a book like you’d like to see synopsized in The Well-Booked Business? Tell us about it by taking the one-question poll posted to our website. Creative Option C, LLC, is a facilitation and organizational development consulting firm in Marblehead owned and managed by Cathy Allen since 2003. In addition to making a book recommendation, visitors to www.CreativeOptionC. com can download additional synopses and original articles and sign up to receive a quarterly email newsletter.
8 October 2011
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Firelands Regional Medical Center Adds New Services Firelands Regional Medical Center has a long-standing tradition of providing high quality healthcare services to the surrounding region. “As the region’s premier healthcare provider, Firelands Regional Medical Center strives to offer the highest and most advanced healthcare resources close to home – delivered by experienced, highly-credentialed medical and support staff,” explains Charles A. Stark, President & CEO of Firelands Regional Medical Center. “We like to say that we are ‘big enough to care for you, small enough to care about you.” Throughout 2011, Firelands has continued its commitment to bringing the latest healthcare options to the local community. As a tax exempt facility Firelands Regional Medical Center provides care 24/7 for anyone, regardless of their ability to pay. Firelands Regional Medical Center also subsidizes care providing free or discounted care to those in need. In 2010 Firelands provided over $28.7 million in community benefit care to the region. Those dollars were to treat persons without insurance or an ability to pay their medical bills, as well as programs provided at reduced costs or free, including: health screenings (blood pressure, glucose, cholesterol, vascular screenings, etc.), community health seminars and programs, childbirth classes, health fairs, flu and pneumonia vaccine clinics, and much more. Firelands Regional Medical Center provides health education and outreach services to the community to promote disease prevention and encourage each person to focus on their personal wellness so they can enjoy better health and thus a better lifestyle.
Nationally Recognized Care As an on-going measure of quality, Firelands Regional Medical Center is one of the highest rated medical centers in terms of quality in the state. Recent distinctions include: • Breast Imaging Center of Excellence • Ranked #1 in Vascular Surgery in Ohio and Top 5% Nationally • Ranked #1 in Ohio and Top 5% Nationally in Overall Orthopedics, including Spinal Surgery
provided include Neurosurgery Services, Physical Medicine Services, Electrodiagnostics and Physical Therapy Services. Although 70-80% of all people will experience back pain at some time in their life, only 5% will require back surgery. The team of spine center professionals coordinate your care to provide the best results possible.
University Hospitals Seidman Cancer Center at Firelands Regional Medical Center
• Top 5% Nationally for Patient Safety • Top 10% Nationally for Inpatient Rehabilitation
New Services & Technology in 2011 Some of the newest technology and services provided at Firelands include:
The Endocrine & Diabetes Center for Advanced Care Opening its doors in mid-September, the Endocrine & Diabetes Center for Advanced Care is the region’s only comprehensive program for patients with Endocrine and Diabetes conditions. Evaluation, diagnosis, prevention, treatment and management of endocrine and diabetes conditions is provided by Ahmad F. Sabbagh, MD, Endocrinologist & Lipidologist with Firelands Physician Group; and Jean T. S. Feick, MSN, CNP, CDE, Certified Adult Nurse Practitioner, Certified Diabetes Educator, also with Firelands Physician Group. As an Endocrinologist, Dr. Sabbagh specializes in hormone diseases, such
as diabetes, metabolic disorders, thyroid diseases and hypertension. The new addition of this specialty for the residents of this region means patients will no longer have to drive to Toledo or Cleveland to see an Endocrinologist. The Endocrine & Diabetes Center for Advanced Care also provides Diabetes Education Services provided by Nationally Certified Diabetes Educators. This aspect of the program has been certified by the American Diabetes Association since 2003 and provides patients with information on how to manage diabetes, decrease the risks of diabetes complications, nutritional planning and lifestyle changes and self-care skills. Services are provided by certified registered dieticians and covered by Medicare (with prescriber referral).
Firelands Regional Medical Center Spine Center Firelands recently opened the Firelands Regional Medical Center Spine Center, which provides the area’s only team-based approach for comprehensive spine care, all in one convenient location. Services
Recently unveiling its new name, the former University Hospitals Ireland Cancer Center, is now University Hospitals Seidman Cancer Center at Firelands Regional Medical Center. The local Cancer Center recently added a number of complementary therapies to its list of services, including massage therapy, guided imagery, pet therapy, and Reiki Therapy – all available to patients at the Center. Being an affiliate of UH Seidman Cancer Center, Firelands Regional Medical Center can provide cancer patients with access to nationally recognized physicians, resources and clinical trials which provide the latest developments in cancer fighting drugs and pioneering treatments. University Hospitals Seidman Cancer Center at Firelands Regional Medical Center offers chemotherapy and radiation therapy treatments using the treatment protocols established by UH Seidman Cancer Center.
New Medical Staff In 2010, to date, Firelands has recruited 11 physicians representing eight different areas of specialty including internal medicine, general family practice, radiation oncology, endocrinology, urology, obstetrics and gynecology, neuropsychology and adult hospitalists. In addition, Firelands has expanded its reach into the local communities to help better serve our region including new offices of general family practice physicians in Berlin Heights and Vermilion.
Outreach Facilities – Laboratory and Physical Therapy To help meet the needs of the
See FRMC, Page 9
North Coast Business Journal
www.ncbj.net FRMC, from Page 8
ABOVE: The new Paper District Marina Building. BELOW: A view of the new marina looking southeast from the marina building.
SANDUSKY, from Page 6 District. The Paper District Marina has 62 boat slips and 8 jet ski docks and can accommodate vessels up to 45 feet in length. A pump-out station is available along with an accessible restroom and shower facility. Electrical and water service hook-ups are available as well as free Wi-Fi service. The Amphitheater will have events beginning in the summer of 2012. For more information on the transient marina and dockage rates, go to h t t p : / / w w w. c i . s a n d u s k y. o h . u s / documents/PaperDistrictMarina.pdf. The City is now working on a development agreement for the redevelopment of the City-owned Keller Building property in the Paper District. A Columbus developer, Thomas Fortin and Company, Inc., has proposed to turn the building into market rate apartments with first floor commercial space with such amenities as a rooftop garden and event space. Renderings of the proposed development and the rooftop space by MODA4 Designs are found in the picture below. With the Paper District redevelopment, Sandusky’s downtown waterfront is transforming from an industrial area to a vibrant residential and commercial destination. Please come to downtown and enjoy its new marina facility and waterfront, walk the Sandusky Bay Pathway and visit the new restaurants and shops!
community and provide added patient convenience, over the past few years, Firelands Regional Medical Center has expanded Laboratory and Physical Therapy Services into the communities of Castalia, Huron and Norwalk. Most recently, Laboratory and Physical Therapy Services has been added in Vermilion. In addition, a new Physical Therapy location recently opened at 703 Tyler Street, Sandusky, adjacent to the new Firelands Regional Medical Center Spine Center. A new Laboratory Collection Center was also added at 3006 S. Campbell Street, Sandusky. Patients can use any of these facilities-- all physician orders are accepted.
Radioactive Seed Localization (RSL) Fredric Itzkowitz, DO, General Surgeon on the Medical Staff of Firelands Regional Medical Center recently completed advanced training at the Mayo Clinic in Rochester, Minnesota in radioactive seed localization for non-palpable breast lesions. Dr. Itzkowitz and Firelands Regional Medical Center are licensed by the Ohio Department of Health Bureau of Radiation Protection to use the seeds for localization. Firelands Regional Medical Center and Dr. Itzkowitz are the first providers in the region offering this new technology.
Firelands Regional Medical Center Surgery Center Firelands Regional Medical Center became the sole owner of the Northern Ohio Surgical Center at 2800 Hayes Avenue. It is now known as the Firelands Regional Medical Center Surgery Center, and offers the same broad range of same-day surgical procedures at the facility. The Center was previously owned by Firelands and many of the Surgeons who perform surgeries at the Center.
Firelands Regional Medical Center Durable Medical Equipment (DME) Company Firelands recently introduced the Firelands Regional Medical Center Durable Medical Equipment (DME) Company. Firelands Regional Medical Center Durable Medical Equipment Company is dedicated to providing the highest quality services and equipment for rent or purchase to patients upon discharge from the hospital or other care
October 2011
9
settings in the community. The DME equipment that will be readily available to patients includes walkers, wheelchairs, oxygen concentrators, aerosol machines, crutches and beds. Future expansion of services and equipment offered will be explored as patient needs dictate.Â
In
the
Near Future
Relocation of Firelands Corporate Health Center to Perkins Township Firelands Regional Medical Center acquired property at 5420 Milan Road, Sandusky. Interior renovations are currently underway to accommodate the occupational health and safety services provided by Firelands Corporate Health Center as well as the Firelands Home Health Services offices. Firelands Corporate Health Center provides services to over 800 businesses in the area, and has been doing so since 1981. Firelands Home Health provides services in 10 counties in Northern and Central Ohio. Expected completion date of the facility is January 2012. For more information about Firelands, visit the Web site at firelands.com or on Facebook at facebook.com/ FirelandsRegionalMedicalCenter.
10 October 2011
North Coast Business Journal
The Many Faces of Tourism By Lake Erie Shores & Islands East Executive Director Joan Van Offeren
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! Y E H
You have likely seen the billboard in front of Kalahari Resort, advertising “The many faces of Kalahari” – it shows three; one with a relaxing spa mask, one with an energetic snorkel mask and one with an African tribal mask. It is meant to make the consumer expand upon their ideas of “just a waterpark.” Tourism is much the same way. When you think of the “many faces of TOURISM” you probably think of the front-desk clerk, the Cedar Point ride attendant or the ferry boat captain. But do you picture a plumber, locksmith or a lawn maintenance worker? What about a snow plow or tow truck driver? Franklin Sanitation in Huron estimates that half of their services come from tourism-related businesses; with 20% attributed to work they do for hotels/motels directly. Franklin Sanitation services sewers and drains, as well as septic tanks and grease traps. Owner Greg Franklin recognizes the importance of tourism to his business, and shares jobs have been added since the tourism product has evolved. Another example, Ninke Lawn Service in Sandusky provides lawn and landscaping maintenance services to many local businesses; 20 percent are tourism-related. These might not be the first workers you think of when you think about tourism employees, but they are all an important piece of the total tourism picture. Many small business owners benefit from the impacts our visitors add to the local economy; and, in the cycle of spending, we all benefit from the induced impacts. There are three types of economic impacts from consumer (tourist) spending – direct, indirect, and induced. In Erie County in 2009, the direct impact of tourism spending was $706 million. Travelers create direct economic value within a discreet group of sectors (e.g. recreation, transportation, entertainment, accommodations, retail, and food & beverage). This supports a relative proportion of jobs, wages, taxes and GDP within each sector. Each directly affected sector also purchases goods and services as inputs (e.g. food wholesalers, utilities) into production. These impacts are called indirect impacts, which are $202 million in Erie County. Lastly, the induced impact is generated when employees whose incomes are generated either directly or indirectly by tourism, spend those incomes in the economy. In Erie County this is $189 million. Added together, $706 million in spending generates total sales of $1.1 Billion in Erie County. Like it or not, we all need to be reminded of the significance of local tourism businesses, their economic impact and how it relates to our quality of life. We appreciate our community members and ambassadors who share the hospitality message as volunteers; they too 703 Tyler Street, Suite 350A represent a face of tourism!
g n i k r o w I'm here
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Call Dave at the North Coast Business Journal at 419-734-4838
Introducing the Area’s Only Comprehensive
Spine Center
Treating Individuals for Back or Neck Pain, Injuries, Illness & Physical Limitations Firelands Regional Medical Center Spine Center provides the area’s only team- based approach for comprehensive spine care, all in one convenient location. Five-star rated (top rating) for Spine Surgery Ranked #1 for Overall Orthopedics in Ohio.
Sandusky, OH
Services Provided Include:
Neurosurgery Services: – Back, Neck & Peripheral Nerve Surgeries – Using the latest in minimally invasive procedures – Disk Replacement Physical Medicine Services: – Treating Pain, Injuries, Post-Surgery, Rehabilitation Electrodiagnostics Physical Therapy Services: Treatment programs may include exercises, isokinetics, manual techniques, massage, heat/cold, reconditioning and other preventative techniques. 419-55-SPINE (557-7463)
firelands.com/spine
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October 2011
Ohio Business College Can Help Find the Perfect Employee! With unemployment at a record high and competition for jobs more fierce than ever, it can be difficult, timeconsuming and costly to evaluate hundreds of résumés merely to fill one position. Tarina Oglesby, Career Services Director at Ohio Business College in OGLESBY Sandusky, is there to simplify the whole hiring process by matching a motivated, qualified OBC graduate with the perfect job opening. As the Career Services Director at Ohio Business College, Oglesby is responsible for working with students to find that job they’ve always wanted, while also working with local businesses to find that ideal employee. This can include prepping students on interviewing skills, professionalism and dress, as well as working with employers to pinpoint exactly what they want in an employee. The first step after being contacted by a prospective employer is to find out everything about the position. Oglesby explains “I get as many details as I can about the job and then I go through all of my graduates and students and match up their skills to what the job requires.” Details about a job are incredibly vital, she pointed out, so that the employer can find the right fit the first time around. Although speed is important, Oglesby is also very thorough in selecting resumes that match exactly what a business is seeking. “In a matter of a day or two,” she promises, “I will send four or five (or more if needed) qualified applicants that are fine with the pay, fine with the hours, fine with the dress.” Having applicants prescreened means never having to lose a great interviewee because they didn’t
fully understand the job benefits and duties. She will even check attendance records and speak to instructors to ensure that employers receive only the most motivated and responsible applicants. Selected students need to have not only the required knowledge and skills for a position, but also the office etiquette and demeanor that the employer wants. In fact, preparing students for success and seeing them accomplish their goals is what keeps Oglesby working so hard. “I think what’s rewarding for me is that a lot of our students have had no professional experience at all, and yet they end up getting some jobs in offices, as office managers, accounting clerks…I think it’s not just the education (that is important) but it’s the professionalism that we teach.” She also acknowledged that preparing students for interviews and teaching them how to present themselves is as important as any of her responsibilities, even taking students to get haircuts when necessary. Amy Caponi of Cintas recently contacted OBC for help filling a position, and she couldn’t be more pleased. Caponi explained that she was overwhelmed with applications and dealing with Ohio Business College made the entire process much less of a headache. “I got over 130 résumés when I posted the job and I was really looking for someone with the right skills,” she recalled. She decided to call Oglesby in Career Services to find someone with the right qualifications, and found that “going through the college weeded out a lot of the résumés, which saved a lot of time.” Caponi said that working with Ohio Business College to find a great fit for Cintas was easy and painless, and the attention to detail made all of the difference. Ohio Business College is located at 5202 Timber Commons Dr. in Sandusky.
YOUR BUSINESS FUTURE IS BUILT ON BORROWING DECISIONS YOU MAKE RIGHT ABOUT…NOW. As a business owner, you face tough decisions every day. Like deciding if and when you should borrow. A Huntington Business Banker can help. Now is the time to reach out. At Huntington Business Banking, we take the time to understand your specific business needs and help you make borrowing decisions that are right for you. In 2010, we committed to lending $4 billion to local businesses over a three-year period, so if you decide you’re ready, we’ll be there to support you every step of the way. It’s what you’d expect from the #1 SBA lender.1 To learn more or speak with a Business Banker, stop by your local Huntington branch, visit huntington.com/borrow or call 1-866-808-8913.
Huntington is the #1 SBA 7(a) lender in the region made up of Indiana, Kentucky, Ohio, Michigan, West Virginia and Western PA. Source: U.S. SBA from October 1, 2007, through June 30, 2011. Member FDIC. B ® and Huntington® are federally registered service marks of Huntington Bancshares Incorporated. Huntington.® Welcome.TM is a service mark of Huntington Bancshares Incorporated. ©2011 Huntington Bancshares Incorporated. 1
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12 October 2011
North Coast Business Journal
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BGSU Firelands Serves the Community For nearly five decades Bowling Green State University Firelands College has proudly served the community as a primary source of higher education opportunities in the area. During that time, BGSU Firelands has evolved from a campus of just under 600 students, solely offering two-year degrees in 1968, to an institution of more than 2,500 students, offering two-year, four-year, and advanced degrees in a variety of formats. “It’s a campus with diverse opportunities,” said BGSU Firelands Dean William Balzer. “Community members’ aspirations for higher education and professional training vary, and we feel strongly that we should be able to meet those individual needs.” Offering 15 two-year associate degrees in 22 areas of study, eight bachelor’s degrees, two master’s degrees, one-year certificate programs, and customized training, there are a wealth of options at BGSU Firelands. Specific degree programs include opportunities in the broad areas of health care, technology, business, and public service, and more. The College regularly conducts marketing studies to listen to the needs of business and industry, community members, and prospective students. In combination with advisory boards for a number of academic areas, information is used to identify new programs of study and ensure that existing programs remain on the cutting edge. This was the case with BGSU Firelands most recent addition – a two-year program in diagnostic medical sonography. Offered for the first time this fall, the BGSU Firelands program is already filled and there is a waiting list for those who would like to enter the program. Hospitals and medical facilities have a need for skilled individuals in this highly technical field. Offering the programs which are in high demand is only one of the facets of a successful college. Another important facet is the ability to provide courses and programs of study in environments that best meet the needs of today’s students, who often balance work and family responsibilities as they pursue their college education. BGSU Firelands has been expanding the use of satellite locations to provide even greater access to high quality and affordable college education. Most recently, BGSU Firelands has added Sandusky High School to the list of satellite locations. The Sandusky High School program is based on a similar and successful program which BGSU Firelands started at Norwalk High School in 2008. “Some students find it difficult to drive to our campus in Huron at certain points in their academic careers,” said Director of Enrollment Management
and Student Retention Services Deb Divers. “Thanks to the strong support from Norwalk and Sandusky Schools, together we are able to provide additional opportunities for underserved areas and open the door to education for more distant communities.” Approximately 20 courses are offered in the evening at the two high schools. BGSU Firelands also offers course work at the Firelands Regional Medical Center School of Nursing and at Lorain County Community College. Another area the College is expanding is the delivery of on-line courses and degrees through BGSU Firelands and the other colleges of BGSU. The popular associate of arts on-line degree offers students the ability to take classes from home or any other location, shifting their “class time” to meet the demands of work and family. Students have appreciated the online option because of its flexibility and convenience as well as reduced commuting costs. In recent years, BGSU Firelands has also reinvented its system of academic class scheduling, shifting most classes to a Monday-Wednesday or Tuesday-
Thursday schedule. This delivery model, along with a robust offering of evening courses, allows the College to offer full class schedules for students who are only able to attend College two days a week because of other commitments or life circumstances. The change also allows the College to expand “weekend” programs on Friday and Saturday as yet another alternative for busy students. According to Balzer, flexibility is the key to the delivery of college course to the contemporary consumer. “Students want to have the ability to fit classes in between busy work schedules, raising families and other commitments. It’s our responsibility to ensure they have every option to earn their college degree, given its increasing importance to job access in the new global economy.” With student enrollment strong and the challenge of helping an increasing number of community members earn their college degree and maintain their knowledge and skills as lifelong learners, BGSU Firelands is looking forward with great optimism. “We offer a smaller, more personalized college experience with all the opportunities of a large and well-respected university, so we can quickly and efficiently respond to changing trends,” said Balzer. “We are committed to meeting the higher education and professional development needs of our community.”
October 2011
North Coast Business Journal
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Law You Can Use Uninsured Motorist Coverage Protects Drivers from Lawbreakers Q: What is uninsured motorists (UM) coverage and how does it work? A: If you are injured in a car accident by an uninsured at-fault driver, UM coverage takes the place of the liability coverage the driver should have had. Instead of making a claim with the at-fault driver’s insurance company, you make a claim with your own insurance company under your UM coverage. UM coverage pays for things like accident-related medical expenses, wage loss, and pain and suffering, but does not cover damage to your vehicle. You can purchase uninsured motorist property damage (UMPD) coverage, but if you have collision coverage on your vehicle, UMPD is probably not necessary. Q: If Ohio law requires all drivers to have car insurance, why should I consider buying UM coverage? A: Ohio law requires all drivers to have proof of financial responsibility to pay for injuries or damages to others if they are responsible for causing an accident. To meet this requirement,
most drivers buy car insurance that includes liability coverage. Unfortunately, some drivers disobey this law. A 2011 Insurance Research Council study estimates that one in seven drivers may be driving without car insurance. If you are in an accident, there is a real chance that the other driver may not have insurance. Even if the accident is not your fault, you may end up paying for accident-related costs, including medical expenses, out of your own pocket. Q:
Am I required to buy UM coverage?
A:
No. UM coverage is optional.
Q: If I don’t buy UM coverage, do I have any recourse against the at-fault driver? A: You could try to collect accident-related damages directly from the at-fault driver, but if they refuse to pay, you may have to file a lawsuit. If the court agrees that the other driver was at fault, a judgment would be entered against that driver for the amount of your damages. Lawsuits
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A: Not necessarily. If your insurance company makes a payment to you from your UM coverage, the company has the right to be reimbursed for the money they paid from the personal assets of the at-fault driver. This is why you should not try to “settle” your claim directly with the at-fault driver without your insurance company’s permission. Doing so may jeopardize the company’s right to recover and may mean that your UM coverage benefits will be denied. This “Law You Can Use” column was provided by the Ohio State Bar Association. It was prepared by attorney Deborah Kenney of The Motorists Group in Columbus. The column offers general information about the law. Seek an attorney’s advice before applying this information to a legal problem.
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Financial Planning — Helping You See the Big Picture Douglas Gildenmeister Senior Vice President, Investments Retirement Plan Consultant The Gildenmeister Wealth Management Group of Raymond James Do you picture yourself owning a new home, starting a business, or retiring comfortably? These are a few of the financial goals that may be important to you, and each comes with a price tag attached. That’s where financial planning comes in. Financial planning is a process that can help you reach your goals by evaluating your whole financial picture, then outlining strategies that are tailored to your individual needs and available resources.
Why
is financial planning important?
A comprehensive financial plan serves as a framework for organizing the pieces of your financial picture. With a financial plan in place, you’ll be better able to focus on your goals and understand what it will take to reach them. One of the main benefits of having a financial plan is that it can help you balance competing financial priorities. A financial plan will clearly show you how your financial goals are related--for example, how saving for your children’s college education might impact your ability to save for retirement. Then you can use the information you’ve gleaned to decide how to prioritize your goals, implement specific strategies, and choose suitable products or services. Best of all, you’ll have the peace of mind that comes from knowing that your financial life is on track.
The
financial planning process
Creating and implementing a comprehensive financial plan generally involves working with
October 2011
North Coast Business Journal
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financial professionals to: • Develop a clear picture of your current financial situation by reviewing your income, assets, and liabilities, and evaluating your insurance coverage, your investment portfolio, your tax exposure, and your estate plan • Establish and prioritize financial goals and time frames for achieving these goals • Implement strategies that address your current financial weaknesses and build on your financial strengths • Choose specific products and services that are tailored to meet your financial objectives • Monitor your plan, making adjustments as your goals, time frames or circumstances change
Some
members of the team
The financial planning process can involve a number of professionals. Financial planners typically play a central role in the process, focusing on your overall financial plan, and often coordinating the activities of other professionals who have expertise in specific areas. Accountants or tax attorneys provide advice on federal and state tax issues. Estate planning attorneys help you plan your estate and give advice on transferring and managing your assets before and after your death. Insurance professionals evaluate insurance needs and recommend appropriate products and strategies. Investment advisors provide advice about investment options and asset allocation, and can help you plan a strategy to manage your investment portfolio. The most important member of the team, however, is you. Your needs and objectives drive the team, and once you’ve carefully considered any recommendations, all decisions lie in your hands.
Why
can’t
I
do it myself?
You can, if you have enough time and knowledge, but developing a comprehensive financial plan may require expertise in several areas. A financial professional can give you objective information and help you
weigh your alternatives, saving you time and ensuring that all angles of your financial picture are covered.
Staying
on track
The financial planning process doesn’t end once your initial plan has been created. Your plan should generally be reviewed at least once a year to make sure that it’s up-to-date. It’s also possible that you’ll need to modify your plan due to changes in your personal circumstances or the economy. Here are some of the events that might trigger a review of your financial plan: • Your goals or time horizons change • You experience a life-changing event such as marriage, the birth of a child, health problems, or a job loss • You have a specific or immediate financial planning need (e.g., drafting a will, managing a distribution from a retirement account, paying longterm care expenses) • Your income or expenses substantially increase or decrease • Your portfolio hasn’t performed as expected • You’re affected by changes to the economy or tax Laws
Common
questions about financial planning
• What if I’m too busy? Don’t wait until you’re in the midst of a financial crisis before beginning the planning process. The sooner you start, the more options you may have.
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• Is the financial planning process complicated? Each financial plan is tailored to the needs of the individual, so how complicated the process will be depends on your individual circumstances. But no matter what type of help you need, a financial professional will work hard to make the process as easy as possible, and will gladly answer all of your questions. • What if my spouse and I disagree? A financial professional is trained to listen to your concerns, identify any underlying issues, and help you find common ground. • Can I still control my own finances? Financial planning professionals make recommendations, not decisions. You retain control over your finances. Recommendations will be based on your needs, values, goals and time frames. You decide which recommendations to follow, then work with a financial professional to implement them. This information was developed by Forefield, Inc. an independent third party. It is general in nature, is not a complete statement of all information necessary for making an investment decision and is not a recommendation or a solicitation to buy or sell any security. Investments and strategies mentioned may not be suitable for all investors. Past performance may not be indicative of future results. Raymond James & Associates, Inc. member New York Stock Exchange/ SIPC does not provide advice on tax, legal or mortgage issues. These matters should be discussed with an appropriate professional. Raymond James & Associates, Inc. member New York Stock Exchange/SIPC.
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16 October 2011
North Coast Business Journal
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North Coast Business Journal
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October 2011
Need to be more USER-FRIENDLY? A regional financial institution wanted to focus more on serving their membership. In order to do this, they desperately needed to update their technology and improve their IT budgeting/planning while keeping within industry compliance. Things had to become easier to use and more reliable for their members and employees alike. Advanced Computer Connections provided guidance with a road map on how they could meet their objectives. ACC’s MyNet™ Total Care allows this business to focus on meeting their clients’ needs while ACC takes care of the IT day-to-day support. When you’re a MyNet customer, ACC is ready to make your life easier! Please contact us to find out how we can help your company.
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18 October 2011
North Coast Business Journal
Accounting
Protect your assets
How to implement a sound internal control structure with minimal By Timothy D. Mayles, CPA, CFE, CFF Director-in-charge, Sandusky office Barnes Wendling CPAs U.S. organizations lose an estimated five percent of annual revenues to occupational fraud. In the simplest of terms, occupational fraud is a person using company assets for their own unauthorized personal gain. The most common victims of occupational fraud
are privately owned companies, making up almost 40 percent of those affected, with an average loss of over $200,000. Businesses with less than 100 employees make up 35 percent of the victims with average losses of $190,000. Many small businesses accept weaknesses in internal control when staffing is limited. They believe they need several layers of staffing to have a sound internal control structure. This simply is not true. It is true that with a very limited staff some duties might overlap. However, you can still achieve a sound internal control structure. When the accounting department has only one to three
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www.ncbj.net individuals, you need to focus on segregating the most critical duties. Allow the less critical duties to overlap. Controls over cash receipts and disbursements are the most critical duties to segregate. Consider the following: Critical cash receipt controls: • Establish a lockbox with the bank. •Never allow the person that receives cash receipts to have access to accounts receivable or reconcile the bank accounts. • For wire transfers, create approvals within the banking system and establish limits. The lockbox is a sound investment because cash goes directly from the customer to the bank. This takes live cash receipts out of the hands of employees and prevents cash receipts from being diverted. What if your company decides a lockbox is not cost-beneficial? The person that receives cash receipts should never have access to accounts receivable or perform the reconciliation of the cash accounts. Even with limited staff, the receptionist could receive the cash and checks, stamp checks for deposit only, record in a log, copy the checks, complete the deposit slip and take to the bank. The receptionist would then give copies of the receipts to the accounting personnel to record in the books. Segregate the handling of cash receipts from the accounts receivable function. This prevents fraudulent accounting schemes, such as lapping or the posting of unapproved credit memos to customer accounts to cover stolen cash receipts. In a lapping scheme, cash receipts are stolen and as subsequent cash receipts are received, they are applied against the older invoices. Critical controls:
cash
disbursement
• No one should approve his or her own check request or purchase order. The person who has access to the processing of cash disbursements should not be able to create new vendors. • Check signers should not be accounting staff that has access to the accounting system. • Require two check signers on checks over an established threshold.
• If your system uses electronic signatures, require manual check signing for checks over a certain amount. • Ask the bank to send a separate statement directly to the owner. Review the activity monthly. Review all payees and endorsements on cancelled checks. Question any unusual checks or other activity on the bank statement • Do not use company credit cards. If credit cards are used, limit the number in use. Establish spending limits and restrictions on the types of purchases. (Bank cards have this capability.) • If payroll is performed in-house, the person with the ability to create new employees and change pay rates should not have access to the processing and disbursing of pay checks. An accounting department of two can put the above controls into practice. However, if it’s a department of one, the owners will need to be more involved. It is worth it for them to take on some of the controls and ensure the safe guarding of assets. Below are a few controls over cash disbursements that are less critical but still important: • Establish a maximum allowable amount for petty-cash expenditures. A corporate officer or owner should review or approve all petty-cash vouchers. • Use manual checks for emergencies only. Make no exceptions. • If feasible, institute Positive Pay or Reverse Positive Pay with the bank that holds your checking account. With a positive pay system, a company sends a periodic list of all of the checks recently issued with the name of the recipient, check number and amount. When a check comes into the bank, the bank first checks the list from the company before cashing or paying the check. If the check matches the information from the company provided list, the check is paid. If there is no match on the list, payment on the check is refused. In a reverse positive pay system, the company maintains the list of issued checks and the bank sends a list of checks which have been submitted for payment. The company compares the information from the checks at the bank to the list maintained in the company. If a check is good, the company OKs the bank to pay. If corrections must be made, the company handles the changes. If a
See ACCOUNTING, Page 28
October 2011
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Saturday, October 15 7 a.m. - 11 a.m. MORNING OF H E A LT H SC R E E N I N GS A N D I N FO R M AT I O N
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EHOVE Career Center Welcomes New Team Members (L-R) Front Row: Lisa York of Sandusky, Job Training Coordinator; Barb Haase of Huron, Adult Ed Occupational Therapy Assistant Program Director; Ami McQuillen of Huron, Tutor from North Point Educational Service Center; Lisa Sullivan of Sandusky, Social Studies Instructor; Pam Cox of Milan, Cafeteria Cook/Cashier; Carmin Patterson of Sandusky, LPN Instructor. Back Row: Jason Reel of Willard, Firefighter/EMT Instructor; Nick Mazur, School Resource Officer/Erie County Sheriff’s Deputy; Matt Ehrhardt, Assistant Director; Tiffany Thayer of Sandusky, Adult Ed Fiscal Clerk; Melissa Stombaugh of Bellevue, Secretary; Daniel Langdon of Sandusky, Industrial Tech Program Instructor. Not Pictured: Mandi Miller of Bellevue, Intervention Specialist
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Sandusky Office 422 W. Market St. 419-625-4942
20 October 2011
North Coast Business Journal
Mercy Tiffin Welcomes
Medical Oncologist to the Community Dr. Veltri earned his medical degree from Wayne State University School of Medicine in Detroit, Michigan. He completed a residency in Internal Medicine and a fellowship in Medical Oncology at University of Michigan Hospitals in Ann Arbor, Michigan. He brings over fifteen years of experience as an Attending Medical Oncologist, including five years as an Assistant Professor with the University of Toledo Medical Center in the Hematology and Oncology Division.
Salvatore “Sam” Veltri, MD Medical Oncologist
Board certified in medical oncology and internal medicine, Dr. Veltri joined the Mercy Cancer Center at Tiffin team as the full-time medical oncologist. Dr. Veltri’s goal is to provide high quality and compassionate care to every patient through a wide range of services including chemotherapy, hormone therapy, immunotherapy/biological therapy, general medical oncology and general hematology. To schedule an appointment with Dr. Veltri, please call 419.455.8122. Mercy Oncology Specialists 40 Fair Lane Tiffin, Ohio 44833
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Responding to a Debt Collection Lawsuit Q: I received a notice about an action against me on a debt. What should I do? A: You need to respond to the lawsuit; you cannot escape it by doing nothing. If you do not respond to the lawsuit, your creditor can get a default judgment against you. A default judgment allows the creditor to win in court simply because you were not there to defend yourself. If the collector receives a default judgment, it will be able to collect as much money as it asked for in the lawsuit. This could lead to your wages or bank account being garnished, or a lien being put on your property. Please note, however, that you cannot be sent to jail for failing to pay a debt or judgment. Q: What should I say in my response? A: Read the papers carefully. If you are being sued by someone other than the original creditor, there are some common issues to be aware of and bring to the court’s attention. • A debt collector must prove that it actually owns your debt. If someone other than your original creditor sues you, it has to prove that it bought your debt and owns it at the time the legal action is filed against you. Without such proof, it does not have a valid claim against you. • A debt buyer must produce your original credit agreement in court. The agreement must be the one that you agreed to and signed. If a collector sues you, look at the agreement it produces. If it is not the original agreement, then the debt buyer may not be able to get a judgment that includes fees and interest. • Your debt may be too old to be collected. In Ohio, for example, debt collectors generally have six years to take action against you on credit card debt. The six years starts to run from the date of your last payment. Sometimes, however, collectors will still try to sue you even after the time to bring action has expired. If the time limit on collection has expired, the collector no longer has a valid claim. • Someone else may have incurred the debt. You are only liable for your own debts (unless you co-signed on the loan or credit agreement for someone else). If someone forged your name and accumulated debt under your name, you are not liable for that debt. • Finally, if you have already paid the debt or discharged it in bankruptcy, you should present evidence to support this claim. You do not have to double pay the debt, or, if you have eliminated the debt through bankruptcy, you do not have to pay this debt. Q: If I don’t win in court, can the creditor take all my money? A: No, there are only certain assets that a creditor can reach when collecting on a debt with a court order. Under Ohio law, a court order gives the creditor the right to collect money by garnishing your wages or your bank account, putting a lien on your real property or seizing your personal property. Creditors cannot garnish anything without such a court order or a judgment against you. There are some exemptions to this general principle that creditors can garnish your income. The first $217.50 from each weekly take-home pay cannot be garnished at all. Additionally, Social Security payments, Supplemental Security Income, and veteran’s benefits are typically exempted from garnishment. An important exception to this is that federal agencies collecting debts owed to the United States can seize part of these benefits. State-administered benefits, such as Ohio Works First, are also exempt from garnishment. You may also be “judgment-proof.” This means that your income is exempt from garnishment and you do not have any assets that can be seized by creditors and sold to pay your debt. For example, if your only income is from Social Security and you do not own a car worth more than $3,450 (the exempted limit for personal property), then your creditors may sue you, but they will not be able to take any of your property or assets to collect your debt. This “Law You Can Use” column was provided by the Ohio State Bar Association (OSBA). It was prepared by Linda Cook, senior staff attorney for the Ohio Poverty Law Center in Columbus.
October 2011
North Coast Business Journal
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Legal The Sandwich Generation By Jeff Roth It has become increasingly apparent that the average middle aged client has a real problem. While they are concerning themselves with their upcoming retirement, the reality has come to their attention that they are responsible for their children and also their parents. With parents living much longer and children wanting to keep ahead of the curve, the demands on the middle class have tripled. THE MIDDLE CLASS I had a client tell me that his mother moved into his house 15 years ago because she had one year to live. Thanks to modern medicine she is still there. This same client has three college bound children. He wants the best for all but the pie is only so big. He is part of the sandwiched generation. If he were rich there would be no problem. There would be plenty of money and his parents would probably have the same amount. If he were poor, the children would have many need based scholarships and loans available and the parents would be on Medicaid. It is that middle class that has the problem .They have too much money for assistance and not enough to provide for the needs of three generations. WHO ARE BABY BOOMERS? They are that group of individuals born from 1946 to 1965. They are the first generation to be influenced by television. They appear to be financially better than their parents and luckier than their children. This generation may have planned for their children and themselves but the financial status of the parents present a real source of concern. KIDS The parents are being asked to insure their children’s education and
preparedness for life. Not only is a college education not enough, but children expect to go to the best school at the best location. Even if the kids do not feel that way, the parents feel the peer pressure to see that their children have everything that their neighbor’s children or their siblings’ children have. Historically, a child stayed close to home and worked in the same factory as his father. Today, that factory may not exist. Communication, television and the internet has broadened the child’s horizons. He is not afraid to travel four states away since he can report home each evening via the internet. Many children expect parents to provide all that is necessary to insure that they have the latest and greatest. Children today are more aware of the importance of education and want to take advantage of what the world has to offer. IDEAS The 529 plans or other long term savings plans are great for the young child. If your child is now in college, a student loan is not a sin. Unsubsidized loans such as a Pell Grant allow the child to be involved and appreciate the value of doing well. Let the child select the college and split the cost. Any scholarship comes off his share. Have the children realize early in high school that this will be a joint effort.
too busy expects everything to be equal. We won’t even bring in the subject of the in-laws and their opinions. Much goes unspoken in the area of planning for the parent between brothers, sisters and their spouses until after the funeral. At that point many families are destroyed because the children did not approach the situation with reality and a joint effort. IDEAS Children should address this potential problem when their parents are in their sixties. At least be involved to take an inventory of their available assets and anticipated needs. Have frank discussions as to alternative future courses of action. You will meet resistance because this generation thinks you are after their money. This is where an experienced third party can ask the right questions and assist the family in planning for the future. The purpose of this article is to make you aware that you are not alone on this subject. Children being
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proactive at an early stage with their parents are the correct approach. Please email any areas of interest or questions that you would like to have discussed to ohiofloridatrust@aol. com. It is important that this column is relevant to its readers. Jeff Roth is a partner with Forrest Bacon, David Bacon and associate Jessica Moon of the firm ROTH and BACON with offices in Port Clinton, Upper Sandusky, Marion, Ohio and Fort Myers, Florida. All members of the firm are licensed in the State of Florida. Mr. Roth’s 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. If you have any questions you would like to have answered in this area of law, please direct your question to this journal and your question will be considered for use as the topic of subsequent articles. Jeff Roth can be reached at ohiofloridatrust@ aol.com (telephone: 419-732-9994) copyright Jeffrey P. Roth 2011.
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PARENTS Along with advances in science and medicine comes longevity. Parents easily live to ninety and above. The problem is that their pensions and savings were based on 1960 numbers. Many are simply running out of money. Years ago, it was expected to have the parents move into the child’s home for the last two years of their life. Today, neither the parent nor the child wants to take this course of action. Parents more than children want their independence. With siblings, major problems are created between the expected caretaker and the child that is just too busy. In the end the one that was
Be sure to remove personal information from the hard drive before dropping off your PC. Donation Centers
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22 October 2011
North Coast Business Journal
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Terra’s Kern Center to Train Fostoria Biorefining Plant Employees Thanks to a federal grant being administered in Ohio, employees at the Poet Biorefining ethanol plant in Fostoria will receive training from the Kern Center for Community and Industrial Development at Terra State Community College. The Energizing Careers Program, managed by the Ohio Department of Development, was created to develop a pipeline of qualified, skilled workers that meets employer demand and promotes a robust green energy supply chain. The U.S. Department of Labor Employment and Training Administration awarded $6 million to the program. Alternative energy businesses, including those involved in wind, solar and biomass, were eligible for the funding. The grant will provide Poet and six other northwest Ohio companies with up to $6,000 per individual for approved training and apprenticeship programs. Poet officials have chosen to put their portion, $43,371, toward training at Terra for 43 of their employees. They will be taking coursework in two areas – maintenance, which includes basic electrical, motor controls, print reading and troubleshooting; and supervisory, which includes team building, facilitator training, leadership development and problem solving/decision making. “The grant will be used to improve the skills of the POET Fostoria site team members,” said Mike Bishop, General Manager at POET. “The training topics were developed based upon observation, performance evaluations and assessment testing. Terra was instrumental in developing plans to address our training needs.” Terra officials anticipate forming a good working relationship with yet another area company. “We are very excited to see POET receive the Energizing Career Grant. At a time when incumbent worker training dollars are hard to come by, this is a big win for one of our area employers,” said Beth Hannam, Coordinator of Corporate Training at Terra. “In the long-run this kind of training will help POET become more competitive. These are exactly the kinds of partnerships that we are looking to create between local companies and the Kern Center at Terra. We can’t wait to get started.”
North Coast Business Journal
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October 2011
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IT Windows Update Problems Plague Users By Don Knaur In part of January’s article I warned you about Windows’ Update issues. Recently, a major portion of the problems with PC’s brought into my shop have been caused by problems with the update p r o c e d u r e . Therefore, I decided to offer you some solutions to these problems. Windows XP, Vista and Windows 7 all have an automatic update feature with the default value set to allow Windows to update automatically. However, you need to be aware that if you choose not to allow the automated process, Windows will continually chastise you and pester you to change your settings. This is just another example of Microsoft making your life better. Please note the sarcasm. Allowing Windows to update automatically can cause problems in three different ways. First, there is the possibility of the update file being corrupted while downloading in the background either through the Internet or by having the PC shutdown during the download. The shutdown can be unintentional due to a power failure or due to the user shutting down the PC since they did not realize the download was still running. The resulting corrupt file can then cause problems with Internet Explorer or Windows when the PC is restarted. These problems can range from not loading Windows at all to not loading a program that should load at start up. The second way Automatic Downloads cause problems is having the PC shut down during the loading of the update. Like the shutdowns previously mentioned these can also be intentional or unintentional shutdowns. However, the intentional shutdown is most common. Usually, this is caused because Microsoft waits to load Automatic Updates, until you have told the PC to shutdown. While Microsoft does warn you not to shut off your PC, many users don’t even look at the screen after they tell it to
shutdown. These shutdowns are most prevalent in Notebook PC’s as the Notebook cuts power when you close the lid. Finally, Microsoft can cause the problem itself by loading multiple updates at the same time or by loading a bad update. When loading multiple updates, there is sometimes an update that requires a restart to complete the loading. If this takes place while another update is loading, you have a royal mess. If you experience any of these problems you may have an easy out. If you have Vista or Windows 7 on your PC, try going into the repair utility and from there doing a System Restore. This may be reached by continually tapping the F8 key during start up and then choosing the Repair option. If this does not work, you can also try booting from your Windows disk and choosing the Repair option. Then go to the Restore Selection. Warning, while a restore will not harm any data, any programs loaded after the restore point was set will have to be reloaded. Frankly, the easiest way to prevent these problems is to turn off the automatic updates. Especially if you are using Windows XP or Vista, there will never be another Update that you need. Windows XP and Vista contain no fatal flaws; hence any update to them is unnecessary. If you are using Windows 7, Microsoft will make sure you know if there is a critical update released, via the media. You can then download and install it from their updates web site.
very easily save you a lot of time and possibly a trip to the repair shop. And just remember, if the Microsoft way was always right, we’d still be buying and using Vista. (Author’s obligatory dig at Microsoft) 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 Help-Desk, Ohio in the spring of 1996 and opened his shop in March 2001. Don welcomes calls for advice or information at 419448-8020.
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In order to turn off Automatic Updates, you need to do the following: •Locate the My Computer or Computer icon and right click • Left click on Properties • Left click on Automatic Updates • With XP just click on the Turn Off Button or • With Vista or 7 click on the Change Settings line and highlight the Never Update line in the drop box • Click on Apply and/or OK boxes Following these instructions could
103 wall street • huron, ohio 44839 w 419.341.11117 w www.aha4creative.com e info@aha4creative.com o
24 October 2011
North Coast Business Journal
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Show Them the Love When You Can’t Show Them the Money: Five Affordable Ways to Boost Employee Happiness, Loyalty, and Motivation No matter how much they want to reward their employees, many leaders just don’t have the financial resources to give out much-deserved raises and bonuses. Fortunately, according to Todd Patkin, you don’t need to spend a cent to show your people beyond a shadow of a doubt that you care about them and appreciate their hard work. Foxboro, MA (August 2011)—To say the least, the past few years haven’t been the best for business. We’ve weathered a brutal recession, and most of us aren’t out of the woods yet. What’s more, it’s not only finances that have taken a hit— morale is suffering, too. In the battle for survival, many organizations have developed perpetually stressful
atmospheres in which employees are asked to do more with less—often with little thanks. In many cases, it’s not that employers want to shaft their people; they simply can’t afford not to cut hours and positions, and they definitely don’t have the funds for raises and bonuses. Fortunately, says Todd Patkin, you don’t need a single dime to make your people happy at work or to show them just how much you care about them and appreciate their efforts. “People will never admit it, but money is not the thing they desire most from their work. Instead, showing appreciation, respect, and, yes, even love are the three most important ways to make your people
feel great about their work,” points out Patkin, author of the new book Finding Happiness: One Man’s Quest to Beat Depression and Anxiety and— Finally—Let the Sunshine In (StepWise Press, 2011, ISBN: 978-0-9658261-98, $18.00, www.toddpatkin.com). “And happy, engaged employees are the single best way to impact your company’s bottom line.” Patkin isn’t just a talking head—he speaks from experience. For nearly two decades, he was instrumental in leading his family’s auto parts business, Autopart International, to new heights until it was finally bought by Advance Auto Parts in 2006 for more money than he ever dreamed possible. During that time, Patkin made it his number-one priority to always put his people and their happiness first. “As a leader, I quickly found that if my team was content and their work environment was a positive one, they would be more engaged and motivated, and they would truly care about our organization’s future,” he elaborates. “Plus, it was even more rewarding for me to see that my employees were happy—and often even ecstatic—than it was for me that we were making money.” Patkin adds, “It’s more important now than ever before to show your employees love and appreciation, because we’re in the midst of an economic downturn, so you probably won’t have the money to give big raises and bonuses.” Furthermore, Patkin adds that if your employees are perpetually stressed out, they’ll be less motivated and more disengaged. And when they’re unhappy, they’ll do only what they must to avoid chastisement…and you’ll lose money in the long term. Also, when the economy turns around, they’ll be more likely to look for a new job elsewhere. “If there is one thing I would like to tell all leaders at all levels and in all industries, it’s that you have nothing to lose and everything to gain— including an improved bottom line— by making your organization as happy a place to work as possible.”
Read on for five of Patkin’s showthe-love strategies that you can use to say “thanks for a job well done!” to any employee, any time…without spending a cent: Send “love” notes. Writing and sending a thank-you note is standard practice when you receive a gift. And what is great, thorough work other than a gift from your people to you? When you notice that an individual has done an excellent job or has achieved an important goal, send a specific handwritten (not typed!) note conveying your most sincere appreciation and admiration. This will take only one sheet of paper and five minutes out of your day…but it’ll make a lasting impression on your employee. “When you’re a leader, you’re busy and often overwhelmed,” Patkin acknowledges. “It’s understandable that you might overlook saying the words ‘thank you,’ much less writing them. Remember, though, that positive reinforcement and sincere gratitude will increase the respect your team has for you and will improve their opinion of your entire organization. Also, it will encourage them to likewise say ‘thank you’ more often to their own subordinates within your company. Think of writing what I call ‘love notes’ as a way to invest in your company’s atmosphere and future!” Distribute inspiration. Our society tends to think of work as a place of drudgery, obligation, and boredom, as exemplified in the now-iconic movie Office Space. People certainly don’t think of receiving inspiration and rejuvenation between nine and five. According to Patkin, though, buoying your team’s spirits should be one of your daily goals. If you help them to see the world as a sunnier place and to improve their attitudes and ways of thinking about their entire lives, their professional and personal productivity will increase too.
See SHOW THEM, Page 25
North Coast Business Journal
www.ncbj.net SHOW THEM, from Page 24 “If you run across a quotation or story that inspires you, don’t keep it to yourself—pass it along to an employee, and perhaps, if appropriate, also mention that the quote or anecdote reminded you of him and his great attitude,” suggests Patkin. “Alternatively, you might consider sending out a quote or lesson of the day. Yes, the idea might sound hokey at first, but I firmly believe that most people vastly underestimate the power of feeding their minds with inspirational and educational material.” Tell success stories. Even if they brush off praise or downplay their achievements, everybody loves to be recognized and complimented. When someone in your organization has done something great, tell her that you noticed her outstanding work, and tell the rest of the team, too! Whether correctly or incorrectly, many employees feel that their leaders take them for granted and only point out their mistakes, so make it your daily mission to prove that perception wrong. “When I was at Autopart International and I saw that one of my people did something noteworthy, I made sure that everyone else knew about it by sending the story about her accomplishment around in an email to the entire chain,” Patkin recalls. “I could literally see the glow on the highlighted employee’s face for weeks, and I also noticed that many of the other team members now worked even harder too in order to earn a write-up themselves. Remember to always praise in public as ‘loudly as possible,’ and conversely, criticize only in private!” Identify stars. According to Patkin, identifying stars is taking the concept behind telling success stories to the next level. Yes, recognize achievements whenever you see them, but also make celebrating your stars a regular event. Sure, some team members will roll their eyes at “Employee of the Week/Month” programs, but you can rest assured that no one is going to turn down this honor. “Instead of singling out just one person, you might even consider recognizing multiple individuals every month,” Patkin suggests. “For example, I always wrote about
several store managers in our ‘Managers of the Month’ newsletter. Later, I included assistant managers, store supervisors, store salespeople, and our drivers in this letter of champions as well. My profiles for each star would often be a full page in length, lauding both their professional achievements and wonderful personal qualities. The newsletters themselves were often thirty pages in length when finished. But I know many within the team loved to read these personalized recognitions each month, and they motivated lots of the employees to work even harder to earn a spot on the pages themselves.” Make it a family affair. Whenever possible, engage your employees’ families when praising them. Having a leader validate all the hours each team member spends at work will be remembered far longer than a bonus (really!). Plus, when spouses and kids know what Mom or Dad does at work and are “on board” with it, your employee’s performance will be buoyed by support from the ones he or she loves the most. “For example, if an employee did something really tremendous, I would call his home, generally trying to get the answering machine and not a person,” Patkin shares. “Then I’d leave a voicemail like this one: “Hi, (name of spouse and kids), this is Todd Patkin from Autopart International where your husband and dad works. I just want to tell you that your husband and dad is the most incredible, wonderful, amazing person in the whole world. He just broke our Nashua, New Hampshire, store’s all-time sales record. Guys, that is incredible!! So, please, kids, do me a favor. When your dad comes home tonight, everyone run up and give him a huge hug and tell him how proud you are of him and how great he is. And, (name of spouse), I hope you too will give him a big hug and a wonderful kiss to make sure he knows how much you love him and how much he is appreciated for all he’s doing for our company. Thanks, guys. “And in fact, years later, many employees whose families received these phone calls told me that although they didn’t remember how much their bonus checks were for that year, that extra-special
homecoming was still clearly etched in their memories.” “Trust me, showing people love, appreciation, and respect trump money just about every time when it comes to building longterm motivation and boosting employee morale and loyalty,” concludes Patkin. “When you take the time to make your employees feel valued, they’ll know that you care about them on a more personal level, and they’ll be much happier at work. And in the end, when you’ve achieved a really positive atmosphere at work and the improved bottom line that will surely come from it, you’ll feel amazing too!” ### About the Author: Todd Patkin grew up in Needham, Massachusetts. After graduating from Tufts University, he joined the family business and spent the next eighteen years helping to grow it to new heights. After it was purchased by Advance Auto Parts in 2005, he was free to focus on his main passions: philanthropy and giving back to the community, spending time with family and friends, and helping more people learn how to be happy. Todd lives with his wonderful wife, Yadira, their amazing son, Josh, and two great dogs, Tucker and Hunter. About the Book: Finding Happiness: One Man’s Quest to Beat Depression and Anxiety and—Finally—Let the Sunshine In (StepWise Press, 2011, ISBN: 978-0-9658261-9-8, $18.00, www.toddpatkin.com) is available at bookstores nationwide, from major online booksellers, and at www.toddpatkin.com.
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Call or come in today for a free, no obligation quote on all your printing needs! 419-732-6673 Fax 419-734-5382 minuteman@the beacon.net 205 S.E. Catawba Rd. Suite G - Catawba
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26 October 2011
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CHAMBER CALENDARS for October Bellevue Chamber of Commerce 6
Luncheon program Noon, The Willows Club House, 101 Auxiliary Dr Norfolk Southern Corporation
Erie County Chamber of Commerce 5
Candidates Forum Sandusky School Board/ Sandusky City Commission 7 to 9 p.m.; Room 300 Sandusky High School.
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Halloween Business After Hours, Sponsored by K-96 FM Radio, Ghostly Manor - 5:15 p.m. RSVP's requested by Oct. 21
Workshop: "Utilization of Linked In" 7:30 a.m., at Castaway Bay. RSVPs required by Oct. 25
Fostoria Area Chamber of Commerce 8
Fostoria Farmer’s Market 9 am-1 p.m. Downtown KeyBank parking lot
30
Halloween Parade 5 p.m. - Downtown
Genoa Chamber of Commerce 13
Chamber meeting 5:30 p.m., Genoa Care Center.
20
Business After Hours Walker Funeral Homes 5:00 - 7:00 p.m.
11
Financial Fitness For your Business, Noon, Chamber office Free seminar, lunch provided, “Valuing Your Business,” By: Vandootingh, Mosher, Mellen
12
Membership Committee, 7:30 am Breakfast for prospective members, Berry’s Restaurant, RSVP
Business After Hours, Kramer’s Farm Market, 5273 Whittlesey Ave, 5:00-6:30 p.m.
13
Safety Council, General Service, 7:30 am, Chamber office RSVP
Chamber Board of Directors, Chamber office, 4:00 p.m.
18
Financial Fitness for your Business, Noon, Chamber office, Free seminar, lunch provided, Presented by Edward Jones
19
Education Committee, 8:00 am, At Norwalk Concrete
20
Safety Council Manufacturing 7:30 am, Chamber office RSVP
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Financial Fitness for your Business, Noon, Chamber office, Free seminar, lunch provided, “Tax & Accounting Issues for Small Businesses, Presented by Stein, Olsen & Stang
Marblehead Peninsula Chamber of Commerce
Huron County Chamber of Commerce 6
Safety Council, Construction, 7:30 am, Chamber office, RSVP
Program Committee, 8:00 am, Chamber office
6 8
Short Directors Meeting 6:00 p.m. at Wesley Lodge in Lakeside, set-up for Lighthouse Festival 16th Lakeside-Marblehead Lighthouse Festival in Lakeside 9:00 am to 4:00 pm
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Business After Hours 5:00 to 7:00 p.m. Hosted by: Ghostly Manor 3319 Milan Road, Sandusky
27
Executive Meeting At the Chamber Office 10:00 am
Oak Harbor Area Chamber of Commerce 8-9
Chamber of Commerce Annual Apple Festival Downtown Oak Harbor
20
Board Meeting 7:30 am-- Chamber Building
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Social Media Seminar Scott Brown Noon -1 p.m. Location: OCIC Free to chamber members Sponsored by National Bank of Ohio.
Business After Hours 5:00 -7:00 p.m. Hosts: The HR Department and Edward Jones Edward Jones office in Oak Harbor.
Port Clinton Area Chamber of Commerce 6
Business After Hours Edgewood Manor 5:00- 7:00 p.m.
10
Chamber Board Meeting 8:30 am, at Chamber Office
11
Main Street Economic Restructuring Committee 8:30 am at MSPC Office
13
Main Street Downtown Committee 8:30 am at MSPC Office
Main Street Organization Executive Committee 8:30 at MSPC Office
14
Candidates Night 7:00 p.m. at PC Elks Lodge Chamber Ca$ino Night Port Clinton Elks Lodge 6:00 - 11:00 p.m.
20
Main Street Port Clinton Board Meeting 8:30 am at MSPC Office
Tiffin Area Chamber of Commerce 8 11
Farmers Market 9 am to 1 pm. Sponsored by the Chamber
12
Small Business Basics Seminar Free, two-hour seminar Ohio Small Business Development Center Conference room of Chamber Register with Bill Auxter 800-826-2431, 419-559-2210 or bauxter@terra.edu
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Ambassador Meeting 11:30 am at the Chamber Please RSVP
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Tiffin Area Safety Council 11:30 am at Camden Falls
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Chamber Annual Meeting 6:00 to 8:00 p.m. Camden Falls Cash Bar, heavy hors d'oeuvres RSVP by Oct. 26 419-447-4141 or info@tiffinchamber.com
Ribbon Cutting Fifth Third Bank Ribbon Cutting at 8:45 am New location 513 W. Market St. General Membership Meeting 11:30 am to 1:00 pm, Chamber offices Lunch is $10 RSVP by calling 419-447-4141 or info@tiffinchamber.com
Vermilion Chamber of Commerce 9
39th Woollybear Festival
14
Witches Brew @ German's Villa 440-967-1770
15
Pirate Fest
27
Community Prayer Breakfast German's Villa 7:45 – 9:00 am
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On The Move LES&I Receives Marketing Awards The Ohio Association of Convention & Visitors Bureaus held its 14th Annual Awards of Excellence in Waldo, Ohio on Thursday, September 15, 2011. MIDDY Awards are presented for destination marketing and tourism development. “The MIDDY Award name reflects our region of the country,” said Diane Watson,
Chairperson of the OACVB MIDDY Awards for 2011. “Recipients are recognized for excellence in planning, creativity, effectiveness of message, concept and design.” Over 100 award entries were received in a variety of categories, including rack brochure, website, print advertising, specialty advertising, social media, television spot, and tourism campaign. All entries are judged by a team of experts in the communications, advertising, public relations, publications and/or tourism from outside of the OACVB membership. Lake Erie Shores & Islands® received three first place MIDDY awards. First place honors were presented to the LES&I team for their “Unplug to Recharge” print advertisement, “Unplug to Recharge” radio spot and “Recharge Your Battery” television commercial. Accepting the awards were LES&I East Executive Director Joan Van Offeren, LES&I West Executive Director Larry Fletcher, and LES&I East Managing Director Dawn Weinhardt. Lake Erie Shores & Islands® is a cooperative marketing partnership of the visitors bureaus of Erie (East) and Ottawa (West) counties.
Memorial Hospital adds Compliance Officer Ljudmila Hadzikadunic, R.N., B.S.N., J.D. has joined Memorial Hospital in Fremont as its compliance officer. Hadzikadunic comes to Memorial from Jackson Memorial Hospital in Miami, Florida, where she served as the corporate compliance manager for the hospital’s clinical trials office. She is a licensed attorney in Ohio and a registered nurse. As compliance officer, Hadzikadunic will oversee all aspects of Memorial Hospital’s compliance program. Hadzikadunic will institute and maintain effective compliance communication via the compliance hotline. She will also ensure that all Office of Inspector General (OIG) requirements are met and approved by the board of directors. In addition to her time as a compliance manager in Miami, Ms. Hadzikadunic has also served as a registered nurse, charge nurse and in a supervisory role at hospitals and long-term care facilities in the Cleveland, Ohio area – including five years experience at the Cleveland Clinic. Hadzikadunic earned a Bachelor of Science in Nursing from Kent State University; she earned a Juris Doctorate from the Cleveland-Marshall College of Law. Ms. Hadzikadunic is certified in health care compliance and is also a certified clinical research contract professional. She speaks English, German and Serbo-Croatian.
Memorial Hospital Earns Nuclear Medicine Accreditation Memorial Hospital’s Diagnostic Imaging Department has earned a three-year term of accreditation in nuclear medicine as the result of a recent review by the American College of Radiology (ACR). Nuclear medicine is a branch of medical imaging that uses small amounts of radioactive material, ingested by the patient, to diagnose and treat a variety of disease, including many types of cancers, heart disease and certain other abnormalities within the body. According to Nathan Perkins, Memorial Hospital’s director of diagnostic imaging, “This accreditation demonstrates to our patients that Memorial Hospital’s imaging department performs at the highest levels of quality and safety. Our department is also ACR accredited in mammography and computed tomography (CT scans).” The ACR gold seal of accreditation represents the highest level of image quality and patient safety. It is awarded PERKINS only to facilities meeting ACR Practice Guidelines and Technical Standards after a peer-review evaluation by board-certified
physicians and medical physicists who are experts in the field. Image quality, personnel qualifications, adequacy of facility equipment, quality control procedures and quality assurance programs are assessed. The findings are reported to the ACR Committee on Accreditation, which subsequently provides the practice with a comprehensive report they can use for continuous practice improvement. “The ACR is the nation’s top imaging accreditation organization. Its stamp of approval illustrates our commitment to Memorial Hospital’s vision of being a nationally recognized health care facility that provides top-notch, compassionate patient care,” added Perkins. The ACR is a national professional organization serving more than 34,000 diagnostic/interventional radiologists, radiation oncologists, nuclear medicine physicians and medical physicists with programs focusing on the practice of medical imaging and radiation oncology and the delivery of comprehensive health care services. Memorial Hospital has service Sandusky County and neighboring communities since 1918. It is a 186 licensed-bed hospital that provides inpatient and outpatient services. In addition to diagnostic imaging services, such as CT, MRI, nuclear medicine
and digital mammography, Memorial Hospital provides surgery, intensive care, emergency care, rehabilitation services, mental health services, hospice care and much more. For more information, visit memorialhcs.org.
Kelly Cleland, C.N.M.T., R.T. (N) and Renee Ackerman, C.N.M.T., R.T. (N), from Memorial Hospital’s nuclear medicine program.
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Heidelberg Names New Dean for School of Business Heidelberg University has appointed Dr. Haseeb J. Ahmed as the new dean of the School of Business and associate professor of banking and finance. He comes to Heidelberg after serving as chairman of the Department of Business and Economics at Johnson C. Smith University in Charlotte, N.C., since 1999. Ahmed arrived on AHMED campus in August and hit the ground running. Already, he has begun the process of accreditation for the school with the Accrediting Council of Business Schools and Programs, a five-year
process. Currently, the Heidelberg School of Business is a “candidate” for accreditation; Ahmed aspires to achieve the ACBSP accreditation in the next three years. Heidelberg was attractive to Ahmed because he welcomes the opportunity to make a difference on campus and in the community. “I was very impressed with the university’s mission statement. It goes very well with my own philosophy that you have to lead a purpose-driven life,” he said. “Given my education, experience and skill set, I thought this was a place where I can make the greatest difference.” Equally impressive to Ahmed has been “the commitment I have observed from the administration, the Board of Trustees and major
donors.” “They are really committed to moving the School of Business into its rightful place, not just in Ohio but globally,” he said. “I think this is a win-win situation not only for the School of Business but for the institution and the community. As the school prospers, that will have an impact on the institution. It will have an impact on the faculty, students and community at large.” Ahmed has a Ph.D. in finance from the University of Mississippi, an MBA from Jacksonville State University and a bachelor’s degree in mechanical engineering from the University of Texas. He serves as a mentor, accreditation evaluator and regional committee chair for the Accreditation Council for Business Schools and
Mercy Tiffin Hospital Honors Sara Van Horn The Seventh Annual Catherine deserving of being this year’s winner assures their meals are delivered McAuley Lifetime Achievement of the Catherine McAuley Lifetime within 45 minutes of ordering and Award was presented to Sara Van Achievement Award.” that the food is to the patient’s Horn on September 20, 2011 as part Sara Van Horn has been a liking. She is known to memorize of Mercy Tiffin Hospital’s celebration committed Mercy Tiffin employee the patient’s food preferences, likes of Mercy Week. The awards for nearly 30 years. Sara is the and dislikes. Our patients miss her ceremony took place in the Mercy hostess in nutrition services and is when she has a day off. Patients Tiffin Hospital’s McMullen responsible for responding to the frequently mention her name on Conference Center. patient’s meal request within the the Press Ganey patient satisfaction The Catherine McAuley Lifetime “room service” process. Sara takes surveys with comments such as: Achievement Award is intended to her responsibilities of delivering “Sara made me feel special,” or “Sara be the most prestigious honor that meals to the patients seriously. She provided excellent service.” Mercy Tiffin can bestow on any treats the patients with respect, associate of the hospital. The award is given to individuals who, through a lifetime of services to this hospital, emulate most closely the values of the foundress of the Sisters of Mercy, Catherine McAuley. “This year’s recipient of the award, not unlike her predecessors, demonstrates certain character traits that we all admire,” said Thornton. “This person of mercy and love enriches the lives of all those she touches, including her co-workers, her patients and her family. Sara embodies all the traits L to R: Charlie Ervin, rural division director of facility support; Dale Thornton, President & an award winner should CEO; Sara Van Horn, nutrition services hostess; Mary Jane Fox, nutrition services supervisor; have and is very Leah Everett, nutrition services manager.
Programs, and is the recipient of the organization’s International Teaching Excellence Award. Ahmed brings a wealth of experience developing programs that served Johnson C. Smith University as well as the Charlotte business community. Ahmed will draw on his business partnership building experience and strong record of community engagement to enhance relationships within the community. These partnerships will help the community deal with the major economic structural shift and work toward revitalization in the new economy, he said. “Giving back to the community is very important to me.”
ACCOUNTING, from Page 18 bad check is presented to the bank, it is not paid and the company is not defrauded. Companies must remember that it is management’s responsibility to implement, design and maintain internal controls. You are not exempt from reviewing your internal controls simply because your company has an independent audit performed annually. External audits cannot be relied on to detect fraud or identify all deficiencies in internal controls. It is, however, an excellent opportunity to solicit suggestions from an independent person. Regardless of the outcome of the audit, companies should not rely upon and assume internal controls are operating effectively. Companies should review their internal controls at least annually. As you see, you can achieve a sound internal control structure with minimal resources. By instituting some of the above mentioned controls, you can protect your company assets and get your company’s risk of fraud to an acceptable level. It’s possible, even with a small staff. To see how your organization’s internal control structure rates, request a copy of the Association of Certified Fraud Examiners 12-page “Fraud Prevention Checkup” by sending an e-mail to tdm@ barneswendling.com
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Northcoast Jobs Connection October Schedule for Ottawa County The Northcoast Jobs Connection Job Stores and the Seneca One Stop offer numerous services and resources for job seekers and employers. Seminars are free and open to anyone in the community. The area seminar dates in October are: At the Ottawa County Community Resource Centre, 8043 W. SR. 163, Oak Harbor: “Reemployment Session” – 8:30 a.m. to 1 p.m., Oct. 6, 13, 20 and 27. Employment service professionals will cover several topics including job search tips and trends, completing applications, creating resumes and interviewing. “Individual Job Search Appointments” – 9 a.m. to 3 p.m., Oct. 6 and 24. Come prepared to work one-on-one with a specialist and discuss your job search situation or create an impressive resume. “Get a Job, Get a Better Job, POD” – 8:30 a.m. to 1 p.m., Oct. 27. For more information on the Job Stores, log onto w w w. northcoastjobs.org. Or in Ottawa County, call the Job Store at 800-6651677 or 419-898-3688, ext. 270. The Job Store is located at 8043 W. State Route 163, Oak Harbor and is open 8 a.m. to 5 p.m. on Mondays, Wednesdays and Fridays and from 8 a.m. to 6 p.m. on Tuesdays and Thursdays.
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Community Hospice Care
Rebecca S. Shank, R.N. Executive Director
With Community Hospice Care, it’s not the destination, but the journey that matters
Proudly Serving Seneca & Huron counties since 1983
Not for Profit - No Patient ever receives a bill for our care
Community Hospice Care
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
WEATHERING THE TEST OF TIME SINCE 1970
Northwestern Ohio’s Premier Full Service Commercial and Industrial Roofing and Sheet Metal Contractor ANY ROOF - ANY SERVICE - ANY TIME
J.B. & Company Inc. 100% Employee Owned service@jbroofing.org PO Box 520, Tiffin, Ohio 44883 Phone 800.472.0969
October 2011
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Croghan Bancshares, Inc. Announces Acquisition Croghan Bancshares, Inc. (OTCBB: CHBH) the parent holding company of Croghan Colonial Bank, Fremont, Ohio (“Croghan”) announced today that Croghan has signed a purchase and assumption agreement to acquire four retail banking branches located in Tiffin (downtown), Tiffin (Westgate), Fremont and Clyde, Ohio from The Home Savings and Loan Company, a subsidiary of United Community Financial Corp (NASDAQ: UCFC). The deposits associated with these four branches totaled approximately $112 million as of June 30, 2011. Croghan’s strategic highlights of the transaction include:
• Expands Croghan’s franchise through the acquisition of two branch offices in Tiffin • Enhances Croghan’s existing market presence in both Fremont and Clyde • Includes the purchase of associated consumer and residential mortgage loans • The transaction is expected to be immediately accretive to earnings Under the terms of the purchase and assumption agreement, Croghan will assume all of the deposit liabilities and buy the related fixed assets of the branches. Croghan will pay a 4.0% premium on all non-public, nonjumbo and non-brokered deposits. It
Business
M a r k e t p l ac e To advertise, call Dave at 419-732-2154
PN
is also anticipated that Croghan will purchase performing consumer and residential loans associated with the branches, which totaled approximately $28 million as of June 30, 2011. Rick M. Robertson, President and CEO of Croghan, said, “We are excited about expanding our franchise to the Tiffin community with both the downtown and Westgate branch locations. With our commitment to community banking, we believe that Croghan Colonial Bank will compete very effectively in Tiffin. This transaction also enables Croghan to strengthen its market share in Fremont and Clyde. Croghan
Payne Nickles & Company certified public accountants & business advisors
will remain well-capitalized following the transaction, and we expect the transaction to be immediately accretive to our earnings per share. Home Savings has been committed to customers and community, we want to continue and grow these important relationships.” The transaction has been approved by the Boards of Directors of both companies. No shareholder approvals are required. The transaction is expected to close during the fourth quarter 2011 and is subject to regulatory approval and other customary closing conditions.
CONSTRUCTION QUESTIONS OR NEEDS? Call Ted Kastor
Business Advisory Services u Business Valuation Services Litigation & Accounting Fraud Support u Tax Return Preparation Account & Financial Reporting u Bookkeeping and Payroll Let us know how we can help your business. Visit our website at pncpa.biz or call one of our two convenient locations. Norwalk: 419-668-2552 Sandusky: 419-625-4942
Christopher D. palmer
Branch Manager/Sales Lawyers Title Insurance Corporation
402 Columbus Avenue | Sandusky, Ohio 44870 phone: 419-626-4475 fax: 419-626-8333 toll free: 800-442-7767 mobile: 419-656-1209 FFCUbcNCBJ0111.pdf 1/25/11 3:02:31 PM email: cpalmer@ltic.com website: www.palmerltic.com
(419) 465-4611 established 1962
employee owned
32 October 2011
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Your Hometown Hospice
Hospice of Memorial Hospital Serving your community for 26 years Hospice of Memorial Hospital is committed to enhancing quality of life by supporting our patients and families physically, emotionally and spiritually.
For the right care, right now. memorialhcs.org/hospice | 419.547.6419