POSTMASTER: TIMELY MATERIAL. PLEASE EXPEDITE. SEPTEMBER 2009 Vol. 15 No. 9 Published and Owned by Schaffner Publications, Inc. “The Business Voice of Erie, Huron, Ottawa, Sandusky and Seneca Counties” INSIDE THIS MONTH Fire Some Sales People...... 2 Do Your Proposals Sell? . 4 The Misinformation Highway .......... 17 The Well-Booked Business .......... 9 Business Tax Changes ...........12 Legal: Gifting in 2009 ............ 14 Protecting Your Greatest Asset ..19 Port Clinton: 2008 State of the City Debbie Hymore –Tester, Port Clinton Mayor Focus on Port clinton Celebrating 15 Years of Service Standard Mail U.S. Postage Paid Tiffin, OH 44883 Permit #88 www.ncbj.net Bellevue Area Chamber of Commerce O U T L I N I N G an action plan will now need to be put into place to include A D M I N I S T R A T I V E funding and working with ACCOMPLISHMENTS . . . I have just finished my first federal, state, and local officials. At City Hall, the employee year as Mayor, and it has been Our anchor for the downtown healthcare plan has been an honor to serve our has reopened its doors. The changed, giving the city a community. Island House has converted 5-15% annual savings. CrossSafety Service Director Robert Berner, Law Director George Wilber, President of Council Linda Hartlaub, and I, have faithfully continued to meet, and to work on issues facing our city; and, due to today’s economy, we will also strive to capitalize on government dollars created for job-ready sites and infrastructure for our city. CONCERNING ECONOMIC DEVELOPMENT . . . Along with others, the City of Port Clinton has been faced with tough economic times due to businesses closing their doors and moving away. The waterfront development Courtesy Ottawa County Visitor's Bureau project was halted when the Puller Group could not reach into condotels with two training procedures have been an agreement and backed out restaurants which are open for implemented for better of negotiations in April. Since business. The old Armory has customer service, along with that time, several parties have become Fastrack Urgent Care, updated job descriptions. The shown interest in the project, and the L and K Hotel/ cleaning service contract was and even though today’s Restaurant is now Portside Inn. renewed with Riverview lending climate is bleak, the and records’ In April and May, both the Industries, city will still be committed to FLW and MCW Walleye Circuit retention was updated, along developing Port Clinton’s Tournaments were hosted by with posted public document waterfront in the future. the City of Port Clinton, Wal- requests. Also, the Architectural Phase 1 of the environmental Mart, and the Ottawa County Review Board was created for studies has been completed Visitors’ Bureau, which brought the downtown area. including a review of those thousands of dollars into our Chapter 139 of the codified results with the Ohio EPA. So, community. ordinance, consisting of wages, Fostoria Area Chamber of Commerce Genoa Chamber of Commerce Huron Chamber of Commerce Milan Chamber of Commerce uniforms, sick time, and drugfree work place, has been amended, a new position for property maintenance and zoning inspector was created and filled, and a 3-year contract with the local teamsters was signed. To be more competitive, bids for consulting service contracts were also put-out. The Service Department was reorganized, and within this area, snow plowing policies were established, focusing on the main thoroughfares. The windrowing of the downtown streets was eliminated, and the apron-clearing policy for seniors and the disabled was enacted. Also, a more economical and efficient salt policy has been created. The Administration and Council worked together in the formation and passage of an exterior Property Maintenance Code, and the Land Reutilization Ordinance. Approximately $70,000 was secured in grants for upgrades to the infrastructure, including construction of a new ADA restrooms facilities for Lakeview Park, which should be completed in the new year. UPGRADING WATER, SEWER, AND STREETS . . . With Eva Castillo as Water Supervisor, the city increased the water/sewer 4% to cover Continued on Page 5 Vermilion Chamber of Commerce We’re a proud member of the following: Elmore Chamber of Commerce Oak Harbor Area Put-in-Bay Chamber Chamber of Commerce of Commerce Chamber of Commerce Erie County Chamber of Sandusky County of Commerce Marblehead Peninsula Norwalk - Huron County Port Clinton Area Tiffin Area Chamber Willard Area Chamber Chamber of Commerce Chamber of Commerce Chamber of Commerce of Commerce of Commerce 2 September 2009 North Coast Business Journal www.ncbj.net Sales Starting to Slow? Quick, Fire Some Sales People! By Jeffrey H. Bryden, Editor Sound absurd? Sure it does. The last thing you’d want to do when sales slow down is to cut back or eliminate your sales efforts. But what would you do in a sales downturn? Pull all your people together? Give them a pep talk? Develop some sales incentives and promotions – either for your people or for them to pass along to customers? Re-direct them 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? You’d look for ways to energize, finetune 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 (their mass selling effort.) Does this sound rational? Not only does continuing or increasing your advertising budget during slow times make common sense, there is “tons” of research to reinforce that this is also a good business practice. My old company, Meldrum & Fewsmith Communications in Cleveland, teamed up with McGraw Hill and the BPA for 15 years of studies covering over 60 companies that advertised during four recessionary periods. Thirteen of these firms cut their budget by up to half during the two year period of each recession, while the remaining firms increased theirs – ranging from 20% to up to 70%. The firms that increased their mass selling (advertising) not only continued to grow, but grew in both sales and net income at a more rapid rate when the country’s economy improved. One of my former colleagues, J. Wesley Rosberg, who conceived and led this research, summed it up: “I have yet to see any study that proves that timidity is the route to success. Studies consistently have proven that companies that have the intelligence and guts to maintain or increase their 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! As children, early lessons in life were passed on to us in the form of fairytales. One which most of us will remember is the story of the race between the tortoise and the hare. Maybe, in our personal and our business life we should all remember the outcome -where the victory went to the competitor who never rested, but who kept everlastingly at it. FTMC SNYDER/WHITE HEART & VASCULAR CENTER September is Peripheral Arterial Disease Awareness Month “The Business Voice of Erie, Huron, Ottawa, Sandusky and Seneca Counties” 205 S.E. Catawba Road, Suite G, Port Clinton, Ohio 43452 419-734-4838 • Fax 419-734-5382 Publisher Editor Director of Sales Accounting Manager Layout & Graphic Design JOHN SCHAFFNER JEFFREY H. BRYDEN This e-mail address is being protected from spambots. You need JavaScript enabled to view it DAVE KAHLER This e-mail address is being protected from spambots. You need JavaScript enabled to view it CINDY CONSTIEN This e-mail address is being protected from spambots. You need JavaScript enabled to view it JENNIFER DAUBEL This e-mail address is being protected from spambots. You need JavaScript enabled to view it ANGIE ADAIR This e-mail address is being protected from spambots. You need JavaScript enabled to view it BRUCE DINSE The Silent Killer Thursday, September 24, 6:30 p.m. Kalahari Convention Center Rt. 250, Sandusky Presented by: P .A.D. Coming Next Month: Know your risks and learn how a simple screening can save your life If you are 50 or older and suffer from leg pain or have unsightly veins, you could be at risk for a life-threatening stroke, heart attack or aneurysm. Many people blame these symptoms Barry J. Zadeh, MD Board Certified Cardiothoracic Surgeon Norwalk Cardiac, Thoracic and Endovascular Therapies Member of P.A.D. Coalition Dr. Barry Zadeh Norwalk Cardiac, Thoracic and Endovascular Therapies on advancing age, when, in fact, they may have Peripheral Arterial Disease – a vascular disease that can be successfully treated when diagnosed early. Join us for coffee and dessert. The evening includes a PAD risk assessment for attendees. Free screenings will be scheduled with Dr. Zadeh for those with risk factors for PAD. Circulation Manager North Coast Business Journal is owned and published monthly by Schaffner Publications, Inc., and is mailed free to chamber of commerce members in a five-county area: Erie, Huron, Ottawa, Sandusky, and Seneca counties. The editorial deadline is the 25th of each month, with the advertising deadline the end of each month. No part of this publication may be reproduced or transmitted in any form without the expressed, written consent of the Publishers. We welcome submissions from readers in the form of letters, articles or photographs, although we reserve the right to edit and condense any articles submitted. Submissions should be sent to the editor at the above address. Include a stamped, self-addressed envelope if you would like an item returned. We prefer material (copy & photos) to be submitted electronically. To Register: 419-660-2828 Preregister by Sept. 18 to be entered into a special door prize drawing. Join Dr. Barry Zadeh to learn the signs and symptoms of vascular diseases – including PAD – and the latest minimally invasive techniques to treat it. 272 Benedict Ave., Norwalk, OH 44857 | www.ftmc.com S a n d u s O k n y F o c u s www.ncbj.net North Coast Business Journal September 2009 3 'I Heard it On the Grapevine Internet?' WPCR celebrates First Anniversary It was a real wakeup call for Port Clinton’s Greg Peiffer as he lay in bed in the middle of the night and had the stunning realization that neither Port Clinton nor Ottawa County had a radio station—no way to hear local news first thing in the morning, no local weather reports and most shocking to him, no live high school sports broadcasts. In May of last year, Peiffer retired after thirty years at the helm of TriCounty Broadcasting, Inc, a twostation traditional AM/FM broadcast facility serving Findlay and Fostoria and their surrounding counties. “My wife kids me that I was without a job for less than twenty-four hours,” Peiffer said remarking on his idea to start a radio station in Ottawa County. But Peiffer’s idea was not to start the usual AM or FM facility with its difficult-to-acquire, and costly, FCC license, its 500-foot steel towers, high-powered transmitters and specialty power grids from the utility company. He decided instead to go online and broadcast via the Internet. With such a new concept (local radio available only by computer and maybe a broadband enabled cellphone,) Peiffer knew it would be an education process and… his biggest question, would people listen? And now, after celebrating its first anniversary just last week, WPCR, an acronym for We’re Port Clinton Radio, Peiffer has his question answered. More than 203,000 answers! That’s the number of page visits that PortClintonRadio.com received just in the month of July. His research shows they’re not only listening just in Ottawa County, but has regular listeners in 36 of the 50 States and an audience overseas – even countries like Japan and Turkey. “I suspect we’re getting people from our area that are maybe in the military and want to be kept up-to-date on what’s happening at home”, Peiffer said, “We also get a regular daily audience from Iraq and Afghanistan”, he added paging through a lengthy report generated from Google using their Analytics service. Ottawa County leads the pack in Joan Bryden -- Program Director and host of Talk@Ten; Jim Rusincovitch -Sales Manager; Greg Peiffer -- President & General Manager. daily listeners with the Columbus, Cleveland and their suburbs a close second and third. Peiffer said the “Live from the Boat” fishing reports and lake condition reports are what keep the audience in those areas coming back. The success of PortClintonRadio. com has also added jobs in Ottawa County. WPCR, starting as just a hi-tech communications concept, now has eight staff members that work in advertising sales, programming, commercial production and doing on-location broadcasts, or remotes, at community events and high school football and basketball games. One of the station’s newest programs is “Talk@Ten,” an hour-long, daily community affairs program hosted by Joan Bryden, aired, as the name implies, at 10:00am. “Joan is a former Cleveland broadcast producer who has thousands of contacts and a personality that makes even the most timid or nervous person open up when they’re across the microphone from her,” Peiffer said. The show, in its second month, features local government officials, authors, experts Continued on Page 5 4 September 2009 North Coast Business Journal www.ncbj.net the price and only the price. Now if you always have the lowest price then maybe that is fine. However, if you have the lowest price but your competitor uses a selling proposal, you too are at a disadvantage. A selling proposal should have the information that was in the previously described price quote plus the following: 1. What is the customer’s problem that needs to be solved or addressed? 2. What is the current situation and why does the status quo need to be changed? In other words, what is the customer’s problem and why does it need to be fixed? • If the current situation is changed to the process or product the customer has in mind-what $$ benefits will be derived? • If the current process is NOT changed, what negative ramifications financially will occur to the customer? 3. How does your solution address all of #2? 4. What makes your company unique? 5. Why do business with your company? 6. Customer references Items 4-6 are boiler plate, meaning they should be created and used with every proposal. If you deliver a selling proposal and your contact needs to take your proposal to the decision maker that you have not been able to connect with, your odds of getting an audience with that decision maker increase immensely. Thus your odds of getting the business increase dramatically as well. What are you/your sales team delivering to your customers? Could utilizing a selling proposal increase your sales? Are your competitors reading this article? Roger Bostdorff is the President of B2B Sales Boost, LLC. He spent over 30 years with IBM in sales and sales management. B2B Sales Boost is a consulting company helping organizations improve their sales and overall business processes. You can find more about B2B Sales Boost on the web at www.b2bsalesboost.com or calling 419-351-4347. If you would like to receive the B2B Sales Boost Newsletter please send an email to This e-mail address is being protected from spambots. You need JavaScript enabled to view it Do Your Proposals Sell? By Roger Bostdorff Recently I was hired for a Client Engagement to review many things relative to their sales/marketing materials and programs. I reviewed my client’s brochure, website, customer follow-up process as well as their proposals. This engineering firm’s proposals included project deliverables, any assumptions, the price, payment schedule and the standard Terms and Conditions. My evaluation and comments to my client was that if they had already secured the agreement of the customer mentally or verbally, and they were dealing with the decision maker and not just an influencer, this proposal approach might be satisfactory. I suggested to my client and I submit to you that in most cases this is not reality. First, most customers request a proposal from multiple solution providers. Secondly, many times the person who you or your sales team are interacting with may not be the final decision maker. He may subsequently need to take your proposal (price quote) to the person who has the authority to sign the check. If that final decision maker is evaluating your quote as compared to your competitor’s, don’t you want your prospective customer to understand what makes your company and your solution the BEST answer for their needs? Otherwise, the item that gets the most focus is Sales Get off the roller coaster. Providing your employees with affordable healthcare benefits can feel like a roller coaster ride. SummaCare’s proven track record of offering consistent rates can help you get off the ride! For 15 years, SummaCare has built a reputation on providing competitive, predictable health insurance rates. To learn more, call your agent today or visit www.summacare.com. www.ncbj.net Port Clinton Continued from Page 1 rising operating costs. To continue increasing a new customer base, the Erie Township Sewer project added 32 new customers from the Willow Beach area, North Camp Perry Road and Camp Perry. The WSOS Housing and Millennia Housing development, which has 46 units, also increased revenue. To create more office efficiency, a new scanning machine was purchased, and to better utilize time, 90% of the monthly door hangers have been eliminated. With Ernie Isaac as the Sewer Supervisor, the reconstruction of the Number 1 Clarifier, the Maintenance building, and the Press building have all been completed. The reconstruction of the digester is also finished, along with 75% of the chlorination tanks. In addition, the odor control building was rebuilt and the lead engineer on the project was replaced. The Brooklyn pump station replacement project has been completed. A new generator was purchased for the Red Horse pump station as well as a permanent diesel stand-by pump for the Brooklyn pump station. Phase 1A and 2 demolition and construction began in February and is scheduled for completion in May 2009. With Fred Bice as the Street Supervisor, such projects as the concrete on Monroe Street under the viaduct, and at the intersection of Jefferson and Tenth was replaced along with concrete repairs on Grant. Second Street from Monroe to Harrison was resurfaced, and the Second and Laurel Roadway project was completed along with improvements to Buckeye Boulevard. In addition, 28 catch basins have been replaced throughout the city and 8 curb corners in Ward 4 are now handicap accessible. SUMMARIZING PARKS AND WPCR Continued from Page 3 on art, wine, and people from around the area and the country who have an interesting story to tell. Not only does the success of WPCR look bright for the future, but so does the entire concept of Internet radio. Peiffer is now consulting several online radio stations he helped launch in Columbus, Toledo and in out- of- state markets in New Jersey and Texas. “The trend several years ago was for the larger radio station group owners to buy smaller radio stations and then move them to a more metropolitan area”, North Coast Business Journal RECREATION, AND CEMETERY . . . With Tracy Colston as the Director of Parks and Recreation, 2008 was another good year for adult and children’s programs in Port Clinton with numerous basketball, volleyball, tee-ball, swimming, open gym, and senior activities. Working with Magruder Hospital for the last 3 years, Port Clinton City Schools, and the city put together an Activity Guide with all program, activity, and event listings throughout the year which are available and distributed throughout the community. Since this department is in charge of rental for the Lakeview Park shelter house, many events have been scheduled there, as well as for the gazebo on Adams Street, and Waterworks Park on Perry Street, projects such as beach, downtown, parks, and cemetery cleanups, plus putting up Christmas lights, and most recently, the installation of the ice rink at Waterworks Park. Working with the Mayor to coordinate community projects is an important responsibility of this department. Also in charge of cemeteries in the city, Tracy Colston, along with the Friends of the Cemetery, have made several improvements, including planting and trimming trees, and fixing drainage issues. The most important accomplishment this year was the revitalization of the new Veterans’ Circle, where approximately $25,000 in partial donations were spent to beautify this very important sacred area. UPDATING POLICE AND FIRE . . . Lead by Port Clinton Police Chief, Thomas Blohm, the police department has had 11,467 agency calls for the year, varying from 911 calls, ambulance requests, assistance calls, disturbances etc. The department set up boat check points along the September 2009 5 Portage River, and purchased new also performs rescues in many equipment through donations, grants, different areas such as MVA’s, water and homeland security. Costing rescue, ice rescues, and high-angle approximately $70,000, were 2 stedi- rescue. Having accumulated 1,776 eye stabilizer day/night binoculars, a hours of training this year, the Marcus Radio and base, Mustang firefighters have responded to 248 fire survival suits, a radar unit, life vests, calls and 130 inspections. All and a new boat engine. firefighters have completed the state The PCPD has added the position of mandated training along with the parking enforcement officer, who is NIMS requirements. PTLM. J.R. ADDRESSING THE TAX Cipiti, and, PTL. Josh Nelson has COLLECTOR, THE AUDITOR, AND rejoined our department after THE TREASURER . . . returning to his family from Kuwait. The Department of Taxation, run by Chief Blohm and PTLM Ellias Fuivia, Jeff Bugbee, continues to pursue those along with the Sheriff Bratton and the Port Clinton residents not filing with Ottawa County Sheriffs’ department or paying taxes to the city, which have been instrumental in bringing in yielded additional revenue. This will the US Border Patrol. be ongoing in order to ensure that There are now 8 agents working in those required to file or pay, will meet the area, and by July there should be their obligations. There have been approximately 40 more. new payment agreements and Lead by Fire Chief Ken Johnson, the collection of past due accounts in Port Clinton Volunteer Fire order to avoid garnishment, which Department has 37 active members has been very successful in collecting with 5 new hires. Along with Assistant unpaid taxes, and in turn, bringing in Fire Chiefs Tom Krupp and Same revenue. Conte, the department continues to In working with the Law Director, provide service not only to the city, the Tax Commissioner and council’s but also to Portage Township and passing of Ordinance 28-08 will others as needed. It has worked on provide the department the ability to relationships with the local police, pass on collection costs to the taxpayer service department, and Sheriffs’ so that the city can collect the total department and has given almost amount, and will also allow the 4,000 hours of volunteer time for the department to pursue hiring of a safety of Port Clinton residents. collection agency. In addition, the The department has purchased amnesty program was extended to get $40,000 of equipment, with some Continued on Page 6 donations from the Firefighters’ Association. Their goal is to continue to improve their training Family Owned and Operated Since 1933 and to keep the equipment in top Serving Commercial & Industrial Accounts condition, since In NW Ohio prevention is the most important item the Specializing in: firefighters can offer. STANDARD ARCHITECTURAL & MULTIThe Fire Department COLOR COATINGS not only fights fires, but MAY PAINTING INC. WOOD FINISHING WPCR leased the upper level of the Russ Homes headquarters in the Knoll Crest Plaza which houses its main studio as well as administrative offices “With the advent of online radio, the pendulum is quickly swinging the other way and online broadcasters like myself are returning local radio back to its hometowns,” Peiffer said. That’s good news for those that want a truly local weather forecast and local news. And it appears that www.portclintonradion.com (WPCR,) is filling that need in our area. VINYL WALLCOVERING WATER REPELLENT COATINGS TWO COMPONENT EPOXY & URETHANE SYSTEMS WATER AND SAND BLASTING “Professional Painting Pays” 419-332-1363 446 N. Wood St., Fremont, OH 43420 Toll Free 800-797-6252 www.maypainting.com 6 September 2009 North Coast Business Journal the comparison of these other communities. Plus, new revenue streams for the city were investigated, including municipal electric service, fiber optic, and waterfront development. As Treasurer of the city, Edna Hansen’s duties are to balance the budget and to invest monies into STAR Ohio, US Treasury Money Market funds, Federal Credit Bank, and Federal Home Loan Bank. All the monies are insured against loss with no money being used for speculation. FORMING PARTNERSHIPS . . . Main Street and the city of PC worked on a partnership to improve our city’s historic downtown. An application was made and accepted for $15,000 to the Department of Development for the comprehensive downtown revitalization tier 1 program grant. An architectural firm was hired and a citizens’ committee formed to work on a plan for the downtown streetscapes. When completed in May, application will be submitted for CDBG funding. An income survey was completed for the Conestoga neighborhood, and as a result, an east end improvement project will be established, which will finance improvements on approximately 25 city blocks in the east end of Port Clinton. City participation with the Friends of the Park continues to improve our city’s parks. The Administration and Friends of the Park worked together on the renovation and improvement of the existing shelter house at Lakeview Park, which now has garage door closures, electricity, siding, and new paint. In addition, ground improvements were made throughout the park. A $500,000 grant was received for the WSOS CHIP program. The Downtown Beautification Committee and Port Clinton Arts Council secured funding for the beautification of the Waterworks Park Circle which included a statue, lighting, and a sprinkler system. CREATING SPECIAL EVENTS . . . Some of the special events in the City Of Port Clinton throughout 2008 were: Walleye Drop, Walleye Festival, www.ncbj.net Community Easter Egg Hunt, 4th of July Celebration, Peach-Perch-Polka Festival, Return of US Coast Guard Unit 309 from Kuwait, Ohio Chautauqua, Halloween Spooktacular, Thanksgiving Community Feast, Holiday Spectacular. CONCLUDING THOUGHTS . . . In the past year, WE, the Administration, City Council, city employees, civic organizations, and the many volunteer groups and individuals in our town have worked together in order to improve our community. WE will continue to work together, discovering new and perhaps more creative ways to solve old problems. WE understand there is a lot of work to do, and that the only way we can make our community stronger is to work as a team for the betterment of everyone. In only this way can we survive what the entire world is facing today, a changing economy that requires every citizen to stand united and to be proactive in the advancement of community service to the City of Port Clinton, our home. Port Clinton Continued from Page 5 commercial property landlords and housing providers to file by April 15th, 2008. This department is active with the Northwest Ohio Tax Commissioners’ Association and attends bi-monthly meetings to keep up with new legislation which may affect municipalities. As Auditor, Steve Benko, and Assistant Auditor, Rachael Klemintov, assisted the state of Ohio with the city’s 2006 and 2007 audit. In addition, several changes were made in 2008. Those changes included making direct deposit available for the city and elected officials, updating the inventory control records, and obtaining a Moody’s bond rating and converting almost 4 million of shortterm bonds into long term bonds, which would reduce future administrative costs and stabilize future budget projections. In addition, the sewer and water rate fees were compared to other Ohio communities to obtain a comparison and to see where the city fits within Full Service Document Management Bureau Records Information Management Services Scan Microfilm Shred Mailing Media Vault Storage Microfilm To Digital Disk Medical & X-Ray Scanning & More Industrial Services At Your Service! Sorting 419-448-4655 Labeling Packaging Call for your Warehousing free quote! Light Assembly Tool Bit Sharpening Inventory Management Third Party Inspection Order Processing (Fullfillment) WO RK CONNECTIONS INTERNATIONAL, LLC Since 1968 525 Wall St. Tiffin, OH www.ncbj.net North Coast Business Journal September 2009 7 The Misinformation Highway By Don Knaur The Internet has long been known as the Information Highway. However, if you were to truly investigate this, you would find that there is a very high percentage of misinformation on the World Wide Web (WWW). For example, I did a Google search on “JFK conspiracy” which received 1,230,000 hits (topic matches). One of the first five hits stated that there was incontrovertible proof that he was shot from the sewer. Need I say more? Just because it’s on the Internet, doesn’t mean something is true! I did a Google Search on “Smoking is good for you” (the quotes were included) and received 20,600 hits. Although I am a long-term smoker, even I would never believe that! You can probably find information to support almost any theory you can dream of on the WWW. Therefore, when you use the Internet for research, you should research your sources as well as your topic. One of the most popular research sites is www. wikipedia.com. It is also a very dangerous site. Anyone can edit any article on the site or add a new article. Wikipedia posts a disclaimer on every new article. They require verifications of these articles before they will remove a disclaimer. However in this day of Wifi hotspots and with a multitude of free email account providers, how hard would it be to set up a Hoax? Not only do you have to be leery of the information you find on the Internet, but also you have to be wary of many Internet stores. There are several stores that exist only in their owners’ minds. Some of these stores are legitimate; you may have read or heard about them. They advertise that you do not need any inventory and you don’t have to ship the merchandise, someone else will do all of that for you. Now if you think about it, how can you be sure of customer service or value when someone is paid to be a buffer between you and the actual seller There are other stores that don’t exist in anything other than HTML (the language used to write Web Pages). These sites are only after one thing -- your credit card number. Prices that are too good to be true are a dead give away to an illegitimate site. I don’t mean 20 to 40% discounts, because I’ve availed myself of more than a few of these. I mean the 70 to 90% discounts. The old saw, “If it’s too good to be true, it is!” is especially true on the WWW. Some of these stores don’t ask you to wait on shipping; IT owned community bank that has served the locally First National Bank is aarea since owned community bank that has served the area 1875. We are well since 1875. capitalized,well capitalized, strong and in the business to do BUSINESS!! We are strong and in the business to do BUSINESS! How can we help your business today?? Contact: Dean Miller or Terry Durham at 419-483-7340 has served the area since 1875. We are well Looking for astrong and in the New Relationship? Looking for a New Relationship? capitalized, We are open for businesses! We business to do BUSINESS! are open for business! First National Bank is a locally they allow you to download the “software bargain” immediately. You will probably get either a pirated or unlicensed copy of the software. While pirated software, probably won’t hurt you at home, if it’s on your business PC there could be big repercussions. The penalties for a business having pirated software are very stiff. It could be as bad as being caught having bought stolen property, which is exactly what you would be guilty of. Other sources of misinformation are some of the so-called bargain hunter sites. One that I remember from a long time ago is http://www.priceline.com/. Over ten years ago I needed a room in Columbus quickly, so I went to their Web Site. I was given a range of prices for mid-quality motels and asked to put in an offer to see if any of them would accept. As I needed the room that night, I put in an offer of $15.00 less than the lowest price listed and immediately was offered a room. I was very happy to have saved $10.00, because I had to pay a $5.00 fee to PriceLine. However, when I got to the motel, people were coming in off the street and paying $10.00 less than my bid. That was the last time I went to their site to book a motel room. To be fair to them today, I checked prices for a room at the Courtyard in Middleburg Heights for the Labor Day weekend, because I know the motel well and have stayed there often. I also checked with the www.orbitz.com web site. Both web sites offered a Continued on Page 10 How can we help your business today?? Contact: Dean Miller or Valerie Bumb at 419-483-7340 or Terry Durham at 419-621-7340 8 September 2009 North Coast Business Journal www.ncbj.net CHAMBER CALENDAR Bellevue Area Chamber of Commerce Sept. 3 Monthly Luncheon Meeting Noon at The Willows at Bellevue. Program: Marc Weisenberger Bellevue Community Center Farmer's Markets 9:00 a.m. to 1 p.m. Sept. 17 Business After Hours 5 to 7:00 p.m. Host: Jodie McCallum Art Gallery Board of Directors Meeting, 4 p.m. SBDC Seminar “The ‘Other’ Financials, Free Fall Finale Golf Outing Eagle Creek Golf Club 1:30 p.m. Shotgun Lunch w/Mike Rankin Asst. Secretary of State 11:30 am-12:20 p.m. Chamber office, lunch provided, RSVP req’d Safety Council Service Division, 7:30 am, Chamber RSVP req'd Chamber of Commerce Golf Outing Oak Harbor Golf Club Business After Hours Ottawa County MRDD 5-7 p.m. Apple Festival Court Preliminaries 10 am at Carroll Township Hall Executive Committee Meeting Conference Room, Noon Business After Hours Slater’s Madison Street Pub 5 – 7 p.m. Board of Directors Meeting Conference Room, 8 AM Membership/Marketing Committee Chamber Conference Room, 9 AM Service Excellence Experience Session 1 Ottawa County Resource Center 8 AM – 11:30 AM Chamber Golf Outing, Oak Harbor Golf Club, Registration 8:30 AM Shot Gun Starts 10 AM Main Street Board of Directors Meeting Chamber Conference Room Sept. 22 Sept. 24 Sept. 15 Sept. 18 Sandusky County Chamber of Commerce Sept. 4, 11 Free concerts 11:30 am to 12:30 p.m. Courthouse lawn. Chamber Foundation Golf Outing, Green Hills Golf Course, Clyde Agricultural Committee Meeting 7:30 a.m., Chamber office Coffee & Contacts, 8 to 9 a.m., Chamber office Reservation required. Ambassadors Meeting, 8 a.m., DaVinci’s Coffee House Foundation Board Meeting, 1:30 p.m., Chamber office Board of Trustees Meeting, 7:30 a.m., Chamber office Around the Town at Heidelberg University 11:00 am to 1:00 pm. Brown Bag Friday Free Live Music 11:30 am to 12:30 pm Front of the Courthouse. Around the Town at Tiffin University 11:30 am to 1:30 pm. Business After Hours CF Professional, Inc. 20th Anniversary! 5 to 7 pm RSVP 419-447-4141 Heritage Festival & Cruisin’ the Park Hedges-Boyer Park Seneca Kruisers Car Show, Business Workshops Quick Books "Hands-on" Series Session I: 7:45 -- 9:45 am Session II: 10 am to noon. Information @ 419-447-4141. Safety Council, St. Francis Home, 11:30 am 37th Annual Woollybear Festival (440)-967-4477 or This e-mail address is being protected from spambots. You need JavaScript enabled to view it . Norwalk-Huron County Chamber Sept. 10 Sept. 15 Sept. 16 Sept. 11 Sept. 12, 26 Erie County Chamber of Commerce Sept. 25 "Understanding Generational Differences & Social Networking for Business" 7:30 a.m. Ballroom, Castaway Bay. $49 fee & advance Sept. 18 registration required. Annual Multi-Member Business After Hours, 4:00 p.m., Convention Center at Kalahari. RSVP required Fostoria RailFest Downtown Fostoria All Day Community Conversations & Coffee Fostoria Country Club, 7:30 a.m. Sept. 29 Sept. 22 Sept. 28 Sept. 30 Sept. 24 Fostoria Area Chamber of Commerce Sept. 19 Sept. 4 Oak Harbor Area Chamber of Commerce Tiffin Area Chamber of Commerce Sept. 3 Sept. 24 Sept. 24 Marblehead Peninsula Chamber of Commerce Sept. 3 Directors Meeting Otterbein North Shore 7:00 pm Sept. 26 Sept. 4, 11 Sept. 10 Port Clinton Area Chamber of Commerce Sept. 2 Sept. 10 Sept. 17 Sept. 20 Sept. 14 Sept. 14 Retail or office space 1,500 to 4,500 sq. ft. Available immediately Plaza is anchored by Dianna’s Restaurant & Deli Located near intersection of Routes 163 & 53 Just across from Walmart Supercenter Kula Hoty Lynch (800) 416-4689 This e-mail address is being protected from spambots. You need JavaScript enabled to view it Sept. 22 Sept. 23 Vermilion Chamber of Commerce Sept. 20 Sept. 17 8 AM www.ncbj.net North Coast Business Journal September 2009 9 The Well-Booked Business By Cathy Allen Six Figures? Me? Nahhhhh…… That’s for people who care about money. I’m a service person, more oriented to doing a good job for my customers. I don’t need much income to be comfortable. Success is an internal matter anyway. It’s not about material wealth…. According to this month’s featured author, this is the self-talk of a chronic underearner, which I confess I have been for most of my adult life. While such a condition is not exclusive to women, it is still common among women. In fact, much of the remaining gap between women’s and men’s incomes can be attributed to our ongoing willingness to underestimate our earning power. But Barbara Stanny has provided a roadmap to prosperity, even for those of us who are off to a bit of a late start. She interviewed 150 high-earning women, looking for commonalities, and the resulting book is full of examples of women who overcame the deeply-held cultural belief that good girls don’t give money much attention. "The Secrets of Six-Figure Women: Surprising Strategies to Up You Earnings and Change Your Life" by Barbara Stanny, HarperCollins Publishers, Inc. 2004 SUMMARY: To be financially successful, a woman must follow her passions and intend to be financially successful. The women who earn higher-than-average incomes do not “sell out,” give up their feminine side, or spend their days doing work they dislike. By being freely themselves, they attract wealth into their lives and provide an example to others. The rest of us can learn to prosper by studying the lives of these six-figure women. Many of those Stanny interviewed did not become high-earners until they were into the middle or late stages of their careers, a sign that it is possible to overcome early messages and step into the world of those who expect to be valued for what they do. KEY LEARNINGS If it is a given that we manifest what we focus on, then focusing on the wage gaps between women and men only serves to widen the gap. By focusing instead on wage gains among women, we can grow personal wealth. The eight secrets are: Financial success is possible in almost any field; lack of education doesn’t have to hold you back. Working hard does not mean working all the time. Focus on fulfilling your values rather than financial goals. Loving what you do is much more important than what you do. Feel the fear. Have the doubts. Go for it anyway. Think in terms of trade-offs, not sacrifices, to find a workable equilibrium. Sometimes you just have to shrug it off and have a good laugh. Appreciate abundance. Women who undervalue themselves will perpetually settle for having less income than they need. Consciously and unconsciously they will erect barriers to their own prosperity, often by clinging to romantic notions of poverty or equating morality with lack. To get out of the under-earning trap, women must accept personal responsibility, root out deep- seated beliefs and feelings, move through the anxiety caused when our adult aspirations conflict with childhood conditioning. An intent to earn money, audacity, resilience, and a source of encouragement are required. Financial know-how helps but is not absolutely necessary. The first step on the path toward any goal is to know what the goal is. If we wish to have financial resources, we must hold an intention to have financial resources. Even before we know how we Continued on Page 10 Another Reason to Believe in Mercy Hospital of Tiffin. Mercy welcomes Nephrologist to the community. Dr. Litvin earned her medical degree from the University of Health Sciences - College of Osteopathic Medicine in Kansas City, Missouri. She completed her Fellowship in Nephrology at the University of Toledo Medical Center and is board certified in Internal Medicine. Dr. Litvin manages kidney disease by regulating blood pressure and electrolytes, balancing fluids in the body, and administering dialysis. She is committed to providing care you can believe in to patients. She will see patients in Mercy Tiffin’s Specialty Clinics, located on the second floor of the Medical Office Building at 27 St. Lawrence Drive. To schedule an appointment, call the Mercy Tiffin Specialty Clinics at (419) 455-8500. Molly Litvin, DO Nephrology mercyweb.org © 2009 Mercy Health Partners 10 September 2009 North Coast Business Journal Booked Business continued from Page 9 are going to do it, we must intend to do it. You have to be willing to change your present circumstances, to let go of what is in order to bring about something else. Getting out of your own way is a lifelong process. If the development of wealth is a game, here are the rules: 1) Decide Which Game to Play, 2) Jump In, Ready or Not, 3) Keep on Truckin’, 4) Grab Opportunities, 5) No Excuses Allowed, 6) Ignore Naysayers, and 7) Never Personalize. Assertiveness can be especially difficult for women, but without a willingness to say out loud what we offer, and what that is worth, we doom ourselves to perpetual under-earning. Women interviewed for this book advised doubling our asking price, and negotiating down when necessary but never up. Be audacious. Get outside your comfort zone. Plan to do just a little bit more than you think you can. Stay realistic, but set goals that cause you to reach a little farther today than you did yesterday. Challenge yourself. Surprise yourself. Making money and having money are different things. If a woman earns a lot but spends more, doesn’t save or invest, gives money to others before providing for herself, she will lose control over her own destiny. If you don’t have the know-how, hire someone who does. Power can be scary. So, sometimes we pull back when we get close – and these fears express themselves in lack of financial resources. Claiming power may sometimes mean rocking the boat – but the alternative is worse. TOOLS: The author provides a series of exercises designed to help individual women move past blocks. There are journal exercises, meditative exercises with thought-provoking questions, a guided decision-making process, a value clarification exercise, a method of getting feedback from close family and friends, and an exercise for learning one’s own motivational patterns. Cathy Allen is the owner of Creative Option C, LLC, a consulting firm in Port Clinton dedicated to helping groups and organizations invent solutions together. By developing feedback from stakeholders, planning strategically, and taking the time to get everyone on the same page, groups can achieve greater levels of success than they ever imagined – all while bringing projects in under budget. To learn more about how Creative Option C can help you and your organization, call 419-732-1770 or check out www.CreativeOptionC.com. Also posted there are additional book synopses and original articles. IT continued from Page 7 www.ncbj.net interest in their services. When searching for a bargain, start with the source. While if time and space allowed, I could probably fill this edition with examples of misinformation available on the WWW, I think you have the general idea. If you want information you can trust, stick to the printed media or the publishers’ web sites. (i.e. www.pcworld. com or www.zdnet.com) You can even believe the comics, especially Doonesbury and Dilbert, for providing more accurate information than a lot of Internet Sites. Of course your most reliable source of accurate information is the North Coast Business Journal! 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 20 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 419-448-8020. Coming next month: Focus on Sandusky Don’t pitch your unwanted computers! Protect the environment, and bring them to Goodwill. We can recycle them through our Reconnect program with Dell Inc. Proceeds help fund Sandusky Bay Area Goodwill training and job programs for the disabled and disadvantaged. Be sure to remove personal and other information from the hard drive before dropping off your PC. SBA Goodwill Industries Inc. Donation/Retail Centers 855 W. Main St. 295 Milan Ave. Bellevue 1040 Oak Harbor Rd. 205 S.E. Catawba Rd. Fremont 422 Cleveland Rd. E. 108 Blossom Centre Huron Norwalk Port Clinton 924 E. Perkins Ave. Sandusky Willard www.ncbj.net North Coast Business Journal September 2009 11 Port Clinton Area Chamber of Commerce Update From Laura Schlachter, President/CEO The Port Clinton Area Chamber would like to take this opportunity to thank all of its members for their continued support. The mission of the Chamber is to plan, develop, implement, and support programs and policies designed to improve the economic and business climate of the Greater Port Clinton area. The Chamber has been hard at work these past several months planning events, holding ribbon cuttings for new businesses, coordinating our monthly business after hours, and working to support our Chamber members. The Chamber strongly promotes tourism and business for the Greater Port Clinton area, answering hundreds of phone calls and emails monthly. Between January 2009 and July 2009, the Chamber staff made 6,356 referrals to our Chamber members. During the summer months, the Chamber is also open on the weekends to welcome tourists to the community and answer inquiries. The focus of the Chamber’s Marketing and Membership Committee is to look for ways to better serve our Chamber members and support business in the community. We realized that our website - www.portclintonchamber. com is a great tool for promoting our Members. During the month of July, we received 4,856 visits and 4,359 new visitors to our website. The Website has received a new fresh look! Please check it out. The Chamber invites all of our Members to participate in the Chamber’s Market Basket. Businesses and organizations will have the opportunity to list their promotions, special events, and activities on our website for FREE. Examples include a coupon for 10% off a service; wine tasting or book signing; or the announcement of a new line of purses at a retail store. All you need to do is visit the Chamber website and click on the Market Basket icon to submit your promotion. We are pleased to announce that the Ottawa County Directory sponsored by the Ottawa County Chambers of Commerce is completed. The Chamber is proud of this outstanding publication which is a Funeral Home for their support of this program. Many thanks to the Chamber’s Premier Members: Catawba Bay; Civilian Marksmanship Program; Cros.net, Inc.; Edgewood Manor Nursing Center; First National Bank; Group Insurance Specialists; Magruder Hospital; Neidecker, LeVeck & Crosser Funeral Home; News Herald; Northern Ohio Medical Specialists; and Ohio Telecom. Port Clinton Chamber’s 16th Annual Thank you also to our Honorary Classic Car and Truck Show downtown. Premier Members: Can’t Miss tool to promote all of Ottawa County. It has been a pleasure partnering with the Marblehead, Elmore, Oak Harbor, and Genoa Chambers on this exciting project. There were 162 fantastic classic cars, trucks and bikes in attendance at the 16th Annual Classic Car and Truck Show held on Saturday, August 1st in Downtown Port Clinton. You couldn’t ask for a more beautiful day and everyone had a fabulous time in Historic Downtown Port Clinton. For the first time, spectators picked People’s Choice Awards for 1st, 2nd and 3rd Place Trophies. 1st Place was awarded to a 1960 Buick LeSabre; 2nd Place went to a 1957 Chevy 2Dr Hardtop; and a 1966 Chevy Chevelle was awarded 3rd place. Please mark your calendar for the 2010 event scheduled for Saturday, August 7. The Chamber’s Golf Outing is scheduled for Wednesday, September 23 at the Oak Harbor Golf Club with a shotgun start at 10am. The cost is $300 per foursome. Steak dinner and awards immediately following the tournament. Each participant will receive one free golf pass to the Oak Harbor Golf Club to be used until the end of the 2009 season. The number of foursomes is limited, so please register soon to reserve your spot. We hope that you will join us on September 23. Another successful season of Riverfront Live! has come to a close. Riverfront Live! is a free musical concert series held on Friday and Saturday evenings in June, July, and August on the shores of the beautiful Portage River. Special thanks to co-chairs Mary Gordon and Kathy Jo Schweitzer and all of the dedicated volunteers who have made this program what it is today. Thank you to Neidecker, LeVeck, and Crosser Charters; Catawba Island Club; and the Ottawa County Visitors Bureau. The Port Clinton Area Chamber of Commerce has proudly served the Greater Port Clinton Area for 71 years. For membership benefit information and for a complete membership directory, please go to our Web site – www. portclintonchamber.com or call the Chamber at 419.734.5503. The Chamber is open Monday – Friday from 9am – 5pm. Another Reason to Believe in Mercy Hospital of Willard. Mercy Willard welcomes Bill Back, M.D. to Mercy Primary Care Bill Back, M.D., Internal Medicine, completed his Medical Degree, Internship and Residency at the Medical College of Ohio (University of Toledo Medical Center). He is board certified by the American Board of Internal Medicine. Dr. Back currently serves as the Chief of Staff at Mercy Willard. Dr. Back is seeing patients at Mercy Primary Care of Greenwich and New Washington. Mercy Willard is committed to these rural communities as it continues to provide dedicated physician access and availability to their patients. Dr. Back specializes in Chronic Disease Management including Diabetes, Cardiovascular Disease and Chronic Obstructive Pulmonary Disease (COPD). He offers inoffice procedures for removal of skin lesions, joint injections, and wound care. Dr. Back performs many outpatient procedures, including EGD’s, Colonoscopy and Cardiac Stress Testing. Dr. Back was born and raised in the Greenwich community and is a graduate of South Central High School. For more information or to make an appointment, please call Mercy Primary Care of Greenwich and New Washington. Mercy Primary Care of Greenwich 65 West Main Street 419-752-1811 mercyweb.org Bill Back, M.D. Mercy Primary Care of New Washington 202 West Mansfield Street 419-492-1300 © 2009 Mercy Health Partners 12 September 2009 North Coast Business Journal www.ncbj.net required annual payment is the lesser of: (1) 90% of the tax shown on the return or (2) 100% of the tax shown on the preceding year’s return (110% if adjusted gross income (AGI) for the preceding year exceeded $150,000). The Recovery Act provides that for a tax year beginning in 2009, the required annual payment for individuals with small businesses is the lesser of (1) 90% of the tax shown on the return for the tax year, or (2) 90% of the tax shown for the preceding tax year. An individual qualifies for this relaxed estimated tax payment rule only if: AGI on the preceding year’s return is less than $500,000 ($250,000 if married filing separately); and at least 50% of the gross income shown on the previous year’s return was from a small trade or business (one that employed no more than 500 people, on average, during the calendar year ending in or with the preceding tax year). More workers eligible for work opportunity tax credit (WOTC). Employers that hire workers from one or more targeted groups (e.g., long term family assistance recipients) can claim a tax credit that varies with the type of person hired. For individuals beginning work for the employer after Dec. 31, 2008, the Recovery Act creates a new targeted group for the WOTC, consisting of unemployed veterans and disconnected youth who begin work for the employer in 2009 or 2010. Limited subsidy for COBRA continuation coverage. The Recovery Act provides a 65% subsidy for COBRA continuation premiums for up to 9 months for workers who have been involuntarily terminated, and for their families. This applies to group health plans that are subject to the Federal COBRA continuation coverage requirements or to similar requirements under State law. If your company has such a plan, and receives a 35% payment from someone eligible for the subsidy, it must make the remaining 65% premium payment. However, the company is “paid back.” It can either offset its payroll tax deposits or claim the subsidy as an overpayment at the end of the payroll quarter. To qualify for premium assistance, a worker must be involuntarily terminated between Sept. 1, 2008 and Dec. 31, 2009. Workers who were involuntarily terminated between Sept. 1, 2008 and Feb. 17, 2009, but failed to initially elect COBRA because it was unaffordable, must be given an additional 60 days to elect COBRA and receive the subsidy. Terminated workers must be notified of their right to a COBRA continuation coverage subsidy. The subsidy is not taxable when received, but higher income recipients— those with modified adjusted gross income above $125,000 ($250,000 for joint filers)—will have to pay back part or all of it at tax return time. Expanded fringe benefit. For months beginning on or after Mar. 1, 2009 and before Jan. 1, 2011, the Recovery Act increases the monthly exclusion for employer-provided transit and vanpool fringe benefits from $120 to $230. This figure is adjusted for inflation each year and could go up in 2010. If you would like more details about this or any other aspect of the new law, please consult your tax advisor. Author’s note: This article is not intended to offer professional tax advice. Please consult your tax advisor. Business Tax Changes in the American Recovery and Reinvestment Act of 2009 By Jeffrey J. Rosengarten, CPA, Payne, Nickles and Company The American Recovery and Reinvestment Act of 2009 (commonly referred to as the Recovery Act), which was signed into law on Feb. 17, 2009, makes a number of beneficial changes for business. Here’s a review of the more widely applicable provisions that could have an impact on you and your enterprise. Liberal expensing limits continued for another year. The Recovery Act gave a one-year lease on life to enhanced expensing rules, which allow qualifying businesses the option to currently deduct the cost of business machinery and equipment, instead of recovering it via depreciation over a number of years. For tax years beginning in 2009, the maximum amount that a business may expense is $250,000, and the expensing election begins to phase out when a business buys more than $800,000 of expensingeligible assets. These dollar limits are the same as those that were in effect for 2008. Had the Recovery Act not been passed and signed into law, these dollar limits would have dropped this year to $133,000 and $530,000 respectively. Bonus first year depreciation extended for another year, too. Bonus depreciation was supposed to go off the books for most assets placed in service after 2008. Fortunately, the Recovery Act extends for another year the ability for businesses to take an extra “bonus” depreciation deduction for the first year new assets are placed in service. The bonus first-year depreciation deduction generally equals 50% of the cost of qualified property (most types of tangible personal property, certain improvements to leased real property, and most software) acquired and placed in service during 2009. Certain types of property with a long life, and certain types of aircraft, may be placed in service before Jan. 1, 2011, and still qualify for the 50% bonus first year depreciation allowance. Also, note that the otherwise allowable first-year depreciation deduction for business autos first placed in service in 2009 continues to be hiked by $8,000 thanks to the Recovery Act. Extended election to speed up recognition of accumulated AMT and R&D credits instead of claiming bonus and accelerated depreciation. Many corporations are struggling and can’t make good use of the bonus and accelerated depreciation breaks. A law enacted last year gave such corporations an alternative tax break. Corporations with assets eligible for bonus depreciation and placed in service in 2008 after Mar. 31 (or placed in service during 2009 for certain aircraft and property with a long production period) could elect to decline bonus depreciation and accelerated depreciation for the bonus-depreciation-eligible assets and, instead, claim otherwise-deferred pre-2006 research tax credits and alternative minimum tax credits. The Recovery Act extends this election so that it is available for property placed in service in 2009 (or 2010 for certain aircraft and property with a long production period). Deferred tax on debt forgiveness income when debt is repurchased. A business generally will wind up with debt discharge income if it repurchases its debt for less than the outstanding amount of the debt. For debt that’s repurchased in 2009 or 2010, the Recovery Act permits the tax that’s owed on such debt discharge income to be paid over five years, beginning with 2014. Small businesses may elect longer NOL carryback period. In general, net operating losses (NOLs) may be carried back two years and forward 20 years (different rules apply for certain specialized types of losses). For NOLs arising in a tax year beginning or ending in 2008, the Recovery Act permits small businesses to elect to increase the NOL carryback period from two years to three, four, or five years. A small business for this purpose is a trade or business (including one conducted in or through a corporation, partnership, or sole proprietorship) whose average annual gross receipts are $15 million or less for the three-tax-year period (or shorter period of existence) ending with the tax year in which the loss arose. The longer NOL carryback period gives small businesses that experienced losses the ability to get immediate refunds of income taxes paid in earlier years. The refunds can be used to fund capital investment or other expenses. S corporation built-in gain holding period shortened temporarily. An S corporation generally is not subject to tax; instead, it passes through its income or loss items to its shareholders, who pay tax on their pro-rata shares of the S corporation’s income. However, if a business that was formed as a C corporation elects to become an S corporation, the S corporation is taxed at the highest corporate rate (currently 35%) on all gains that were “built-in” at the time of the election if the gains are recognized during a special holding period. This holding period is the first ten S corporation years. (Similar rules apply if an S corporation receives property from a C corporation in certain nontaxable transfers.) Thanks to the Recovery Act, for tax years beginning in 2009 and 2010, the special holding period is shortened to seven years. Bigger exclusion for sale of qualified small business stock. Before the Recovery Act, individuals could exclude 50% of their gain on the sale of qualified small business stock (QSBS) held for at least five years (60% for certain empowerment zone businesses). To qualify, QSBS must meet a number of conditions (e.g., it must be stock of a corporation that has gross assets that don’t exceed $50 million and that meets active business requirements). Under the Recovery Act, the percentage exclusion for gain on QSBS sold by an individual increases to 75% for stock acquired after Feb. 17, 2009 and before Jan. 1, 2011. Reduced estimated taxes in 2009 for individuals with small businesses. To the extent that tax isn’t collected through withholding, individuals generally must make quarterly estimated payments of the “required annual payment.” The Taxes www.ncbj.net North Coast Business Journal September 2009 13 'I'm Looking for Something a Little Less Expensive' Larry Fletcher, Executive Director Lake Erie Shores & Islands West Last September I wrote an article for this publication that I titled, Promoting Tourism in a $4/Gallon Economy. Around the country we were seeing travelers reducing their number of trips and most that did travel stayed closer to home. Thankfully, this summer we have not experienced fuel costs at 2008 levels and traffic on the roads and on the water has increased. But due to a variety of economic factors, the visitor bureaus in the region have still realized major challenges in drawing visitors to our area and getting them to stay around for a few nights. The title of this column is reflective of what many business owners in our area were hearing as people began planning their summer trips. Just like last summer there were still plenty of people who wanted to travel, but budgets were smaller than a lot of destinations would allow. The 2009 marketing plan rolled out by the Lake Erie Shores & Islands Visitor Bureaus was designed to meet this challenge with targeted messages promoting this area as one that offered great experiences at a great value. One of the main components of our plan was the Shore Savings Card, a program that entitled the bearer of the card to money-saving offers on lodging, dining, attraction tickets, gift items and more. The cards were distributed through 400,000 copies of our annual printed Travel Planner as well as from our Web site and from our two welcome centers. Tourism business partners posted discount offers on our Web site and we maintained printed lists at the centers. As of mid-August, there were more than 80 discount offers available and plans are under way to continue this program in 2010. Another way visitors could save was to take advantage of one of the many lodging packages that available. We encouraged our tourism partners to combine lodging with dining and attraction options and set as low a price as they could. In mid-August there were 55 different packages available to visitors. These along with the savings card were featured prominently on our Web site. We got the word out about these programs through an integrated media plan that included television, online and magazine ads, newspaper inserts, billboards, social networking sites and a comprehensive media relations program. We targeted family travelers and outdoor enthusiasts who lived within a five-hour drive radius. Our advertising message was “close to home and a long way from ordinary.” While many parts of Ohio are seeing declines in visitation, there is significant evidence that these marketing efforts have been successful. Year-to-date traffic in the two Lake Erie Shores & Islands centers is up 11% over 2008, Web site activity is up 51% and phone calls to the visitor bureau in response to advertising are up 11%. The most recent monthly report from Smith Travel Research (an independent research firm that provides data to the US lodging industry) shows that overall lodging occupancy levels in the Erie/Ottawa county region are outperforming every other area in the state. This increased activity however has not necessarily resulted in increased revenue, and many business owners are feeling the pinch of reduced income. This brings us back to the title of this article. In most cases those who are traveling are looking for a deal, and when options are available to make choices based on price, people are choosing to do what is necessary to save. Smith Travel Research also showed average room rates and revenue per room were down in our area compared to 2008. But in this challenging economic environment it has been encouraging to see the resilience and creativity of our area’s tourism professionals. Their efforts combined with the Lake Erie Shores & Islands marketing plan have allowed our region to weather the tough economic times and maintain a good level of tourism business. The Visitor Bureaus will be preparing the 2010 marketing plan soon and will again adapt to the needs of the consumers and do our very best to bring them to our region. For information, visit www. ShoresandIslands.com Catawba Office Mary Ann Gecsi, Manager Office: 419-734-5751 Cell: 419-265-0111 741 Mallard Pt., Norwalk See this stunning custom-designed 5 bedroom, 4-1/2 bath home by Seitz Design and Construction located in beautiful Mallard Pointe. All brick and in a spectacular setting, this home features a gourmet kitchen with SubZero and Viking appliances and a built-in wine chiller. The kitchen opens to a bright breakfast room. The two story great room features a charming fireplace with deluxe shelving, Mahogany plank wood floors throughout the first floor. The open stairway leads to a spacious second story featuring a luxurious master suite with a fireplace, 9 ft. marble shower, whirlpool tub and a sitting/exercise room adjoining. Perfect for the golfer, this beautiful home is located in Mallard Pointe, across from Eagle Creek Golf Course. Call Mary Ann Gecsi of the Howard Hanna Catawba Office, 419-734-5751 for an appointment to tour. 14 September 2009 North Coast Business Journal www.ncbj.net Legal Choose North Central Ohio’s Choose North CentralyourPremierePremier Ohio’s needs. Rehabilitation Center for therapy Gifting in 2009 By Jeff Roth In estate planning, gifting is one of the most important tools to save income and estate tax. Today, it is especially useful when one can give an asset that is currently valued less than it was two years ago but will hopefully be worth substantially more in several years. WHAT IS A GIFT? A gift is an irrevocable transfer of an asset without consideration from one person to another. A gift may be of tangible assets such as real estate, jewelry and physical objects or of intangible assets such as shares of stock, cash, investment accounts or even insurance policies. WHAT DO YOU MEAN BY IRREVOCABLE? Irrevocable means that the gift is complete and you will not get it back. 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You determine the the country, Edgewood Manor has a program to get you there. the intensity. intensity. Our is You determine the goal, you determine the Our goalgoal to help you succeed! is to help you succeed! • • • • • • • • • • • Come experience the difference The care you trust is in your own back yard. in Norwalk: Monday-Saturday (including evening hours) 282 Benedict Ave. Ste B 419-668-9409* in Bellevue: Monday-Friday 9 a.m. - 5 p.m. 1400 W. Main St. Bldg 1, Ste C 419-483-4122 *Phone line opens at 7:30 a.m. Monday through Saturday to schedule sick appointments for all locations until death but it will also be subject to Ohio and Federal estate tax. WHAT AMOUNTS CAN BE GIVEN? People understand the annual gift allowance and think that is all they can do. The maximum gift allowance for 2009 is $13,000.00. Normally you do not give this exact amount. If you took the kids to McDonald’s after making the gift you would have exceeded the maximum legal amount of the annual gift. I am unaware of any legal challenge on that technical point but it is consistent with the law. If you give under the $13,000.00 ceiling you have no reporting requirements and there is no tax to you or your children. In addition, a person can give up to one million dollars before a tax would be due. This means that if dad gave you the farm worth five hundred thousand dollars, neither your dad nor you would owe any tax at that time. DO I NEED TO FILE A FEDERAL GIFT TAX RETURN? A return needs to be filed if you give over the annual amount in any one year to any one person. The amount given would be disclosed and applied against your one million lifetime exclusion. Once you have given in excess of one million dollars you would owe federal gift tax which is approximately equal to the federal estate tax. This would mean that if over a ten year period you gave one million one hundred thousand dollars you would owe tax on the one hundred thousand dollars. The government keeps control of generational transfer by limiting the life time gift to One Million Dollars. Any amount given over that amount is subject to a gift tax payable within four months after the end of the calendar year the gift was made. WHY WOULD A PERSON GIVE SUCH A LARGE GIFT? If a person has a property that is rapidly increasing in value, a lifetime gift of the property will normally save dollars for the younger generation. As an example, let us say that you have a parcel of real estate next to the city limits that will increase in value as the city grows. If the land is given today you will be subject to gift tax on the current fair market value. This has a low value today but there is a great potential for a much higher value in the future. Once you get the asset out of your estate, the increase in value will occur in your children’s estate and escape State and federal estate tax levied at your death. This is a freezing technique that can pass appreciating property from one generation to the next and avoid estate tax on the appreciated value. It is very complicated but normally a great savings can be obtained by making lifetime gifts rather than transferring the assets at your death. The larger the estate the greater the savings. We must also remember that all future income derived from that asset will be taxable to the donee of the gift and he will be responsible for any annual income tax. ARE THERE ANY OTHER TAXES? One needs to be very aware of the income tax consequences of any gift. The law requires that you value the gift at the current fair market value for gift transfer purposes but the basis or cost to the person receiving the gift is the amount paid or value established when inherited by the one making the Continued on Page 15 www.ncbj.net LEGAL — continued from Page 15 gift. Here is an example. A person purchased a parcel of ground in 1970 for twenty thousand dollars. It was worth one hundred thousand dollars on the date the land was transferred in 2009. Assuming that the party had already given away the annual exclusion amount, the amount reported on the gift tax return would be One hundred thousand dollars or the current fair market value of the gift. If the one receiving the gift were to sell the property years later for one hundred thousand dollars, he would pay income tax on the difference from his fathers cost of twenty thousand dollars and the sales price of one hundred thousand dollars or eighty thousand dollars. Remember, the original cost follows the gift. The tax should be at the capital gain tax rate but one must always consider the income tax element. Passing the asset through an estate could cost in excess of a 48% tax. The one unknown is the future of the capital gain ceiling and the amount of estate taxes levied by congress in the future. There are many valuable uses for gifting in estate planning. It is important that North Coast Business Journal any gifting be planned and completed with professional assistance. For the average person in their later years a gift to a grandchild can be a rewarding event for both the grandparent and the grandchild. Most grandchildren still have that stock that their grandmother gave to them twenty years ago. It will always have special meaning. Many times one party that will state that the particular stock came from a grandparent and it is very important that it be passed on to their child or grandchild. In many estate plans, gifting is the best way to save taxes, time and probate. Jeff Roth is a partner with Forrest Bacon and David Bacon of the firm ROTH and BACON with offices in Port Clinton, Upper Sandusky and Marion, Ohio. Mr. Roth is also licensed and practices in Florida. His practice is limited to wealth strategy planning and elder law in both states. Nothing in this article is intended for, nor should be relied upon as individual legal advice. The purpose of this article is to help educate the public on concepts of law as they pertain to estate and business planning. Jeff Roth can be reached at ohiofloridatrust@ aol.com (telephone: 419-732-9994) copyright@Jeffrey P. Roth 2009. September 2009 15 PC Schools Planning for the Future Submitted by Jan M. Gluth Director of Student, Staff, & Community Development Port Clinton City School District is forging ahead in the 2009-10 school year! The new school year is off to a great start and there are numerous projects and initiatives to continue to improve education. First and foremost, Port Clinton High School once again achieved the highest Ohio Graduation Test scores in Ottawa and the surrounding counties. In addition, high school students continue to score higher than the national average on the ACT due to the curriculum that has been set into place. Port Clinton High School’s academic achievements are an extreme point of pride for students, staff, and community. Student test scores in grades 3 -12 continue to improve as Port Clinton City School District has been rated Effective on the Ohio Report Card. The district also improved from previous years by meeting Adequate Yearly Progress (AYP) in all subcategories in the areas of reading and math. The Port Clinton City School District recently received word that they qualify for a minimum of $3.2 million to assist in the construction of new facilities. The funds will be made available to the district through interest free bonds. This federal assistance is a one-time only opportunity, therefore, the Port Clinton Board of Education voted to proceed with a bond issue in November. In June 2009, a twenty-five member Facilities Action team, Continued on Page 18 Free is good. Real good. Try out the convenience of our remote deposit features without paying a cent! 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The fees will commence after six months and will be $95.99 per month for Xpress Deposit and Online Cash Management. Any related per-item fees will commence after the six months. The cost of the scanner will be billed to the merchant after six mo ** .25 per item fee after maximum number of free debit and credit transactions is reached. Subsidiary of United Community Financial Corp. Equal Housing Lender Member FDIC homesavings.com 16 September 2009 North Coast Business Journal www.ncbj.net www.ncbj.net North Coast Business Journal September 2009 17 Providing Innovative Insurance Solutions It’s not time to put the boat away yet! Whether this is your sixtieth summer boating or your first, it’s important to make sure that you have the very best in marine insurance. Diversified Insurance Service and Grange Insurance o er competitive rates and personal service. The lake is calling, so call Sarah Pietrykowski today and see how you’ll save. 1-800-848-2788 www.divinsurance.com Diversified Insurance Service has o ices in Elmore, Fremont, Port Clinton and Whitehouse. anotta erner nc. Maintenance Services 18 September 2009 North Coast Business Journal PC Schools Continued from Page 15 consisting of members of the community and school officials made a recommendation to the board to place a facilities issue on the ballot. Their recommendation, based on input from two community forums, is: 1. Build a new middle school on the northwest corner of the high school site (off Jefferson Street; current soccer practice area and portion of the main parking lot) 2. Remodel and expand Bataan into a Grade PK-2 building and design a specific grade 3-5 addition for this building. The current physical separation between primary grades (K-2) and grades 3-5 will be maintained. (Green space and athletic practice area maintained.) 3. Minimal upgrades to the high school with a focus on increased efficiency and long term cost savings. There were a total of 37 school districts approved to receive a share of a pool set aside for school construction. Districts that do not pass their issues in November forfeit the financial assistance. The pool of $100,000,000 is then available to districts that pass their issue in November. Port Clinton City School District is guaranteed $3.2 million but would likely receive more, depending on the number of districts passing their issue. This is exciting news for Port Clinton as city income tax for construction workers would bring an estimated $300,000 to the City of Port Clinton. Another important initiative for the district is implementing the first year of the new five-year Strategic Plan. This plan was developed with the help of a 25 member team consisting of members of the community, students, teachers, and administrators. The team identified ten strategies to focus on over the next five years: Facilities; Technology, Competitive Edge; Educational Environment; Student Character and Community Service; Preschool; Partnerships; Go Green; Revenue Generation; Staff Development & Collaboration. Complete details about the strategic plan can be found at the district’s website www.pccsd.net. The Port Clinton City School District continues to strive for www.ncbj.net Lauren Shaw works diligently on a classroom lesson at Jefferson Elementary School during the 2008-09 school year. Grade 3 students scored well above the State standard in reading and math on the 2009 State of Ohio Report Card. excellence by forging ahead, offering a challenging curriculum, and involving the community in the aforementioned initiatives. The intent of all the initiatives is to prepare student for their future and change the face of the district for future generations. Life Changes. We’ll be there.® Ohio National offers competitive products and services for individuals and businesses, including: Call today for more information. McClendon & Associates J. Edward McClendon, LUTCF 85 Benedict Avenue, Suite #104 Norwalk, Ohio 44857 419-663-2995 Securities offered through the O.N. Equity Sales Company, Member FINRA/ SIPC, One Financial Way, Cincinnati, OH 45242 513.794.6794. Product, product features and rider availability vary by state. Issuers not licensed to conduct business and products not distributed in AK, HI and NY. The Ohio National Life Insurance Company Ohio National Life Assurance Corporation www.ncbj.net North Coast Business Journal You should note that insurance companies limit the amount of income they will replace through a disability benefit, so you may not be able to insure the entire need. As you might expect, the key to any disability insurance policy is its definition of the term “disabled.” There are four key definitions of disability: “any occupation,” “own occupation,” “reduction in income,” and “residual.” You are disabled under an “any occupation” definition when your condition prevents you from doing anything for anybody that will bring home a paycheck. It is the most restrictive definition. The “own occupation” definition is far more favorable. Under this definition you are disabled if your condition prevents you from performing the major duties of your occupation. For example, under an “own occupation” policy, a heart surgeon is still disabled even if he could work as a professor of medicine. The precise language of “own occupation” policies varies from insurer to insurer, so it pays to read these policies carefully. “Income reduction” is a relatively recent innovation. Under these policies, you are September 2009 19 Retirement & Estate Planning Protecting your greatest asset Douglas Gildenmeister, Senior Vice President, Investments Retirement Plan Consultant The Gildenmeister Wealth Management Group of Raymond James & Associates, Inc. When most people are asked what their most valuable asset is, they respond that their house, car, retirement plan or business is most valuable. I disagree. I believe that your most valuable asset is your ability to earn a living. I believe this is true for just about anyone who is not already retired. Most people protect their car, house, and other possessions, but neglect to protect the most valuable asset they own: their power to generate income. The extent of the risk of a serious injury or illness affecting your ability to earn a living is startling. The probability of a 35 year old being disabled for more than three months before age 65 is over 50%. People in their 40s are three times more likely to be disabled than die before age 65. And the numbers get worse as you get older for remaining disabled for 5 years or more. Yet a great majority of the population has no disability coverage beyond Social Security and worker’s compensation. To evaluate your disability income needs, begin with an estimate of the income that will be needed during disability. Once the income need has been established, the resources available should be deducted. The first deduction should be from any employer paid shortterm disability or group insurance benefits. Next, you may wish to consider social security disability benefits. However, the social security system rejects most of the claims made for disability benefits. Finally, reduce the monthly income need by earnings from other sources such as interest and dividends on investments. The remaining balance is the disability insurance need. disabled as long as your condition forces you to earn less than you were earning before you were sick or injured. How much less you have to earn depends on the policy. “Residual disability” is also a recent innovation. This definition is an enhancement of an “own occupation” policy. Frequently, a person’s disability may permit them to return to their own occupation, but only at “half speed.” In other words, it may take a considerable period of time after they return to work to get back to their former level of earnings. The “residual disability” provision is designed to provide benefits to bridge that gap. Of course, this brief article is no substitute for a careful consideration of all of the advantages and disadvantages of this matter in light of your unique personal circumstances. Before implementing any significant tax or financial planning strategy, contact your financial planner, attorney or tax advisor as appropriate. This material was prepared by Raymond James for use by Douglas Gildenmeister, Senior Vice President, Investments of Raymond James & Associates, Member New York Stock Exchange/SIPC. Working Together to Cure Cancer Treating a broad range of cancer conditions, including: Blood Disorders Gastrointestinal Genitourinary Thoracic Breast Head & Neck Central Nervous System Sarcomas Lymphoma Leukemia Myeloma Diseases affecting bone marrow including anemias Coagulation disorders at For more information about UH Ireland Cancer Center at Firelands Regional Medical Center, please call 419-557-7480. Accepting referrals and second opinions. 701 Tyler St., Sandusky www.firelands.com Joseph Baar, MD, PhD, FACP Board Certified in Internal Medicine Board Certified in Medical Oncology Specialty Practice in Breast Cancer with a focus on Breast Cancer Vaccinations PhD in Immunology Vinay Gudena, MD, MPH Board Certified in Internal Medicine Board Eligible in Hematology-Oncology Amy M. Reese, MD, FACP Board Certified in Internal Medicine Board Certified in Medical Oncology Board Certified in Medical Hematology Martin L. Ribovich, MD, PhD Board Certified in Radiation Oncology PhD in Biochemistry 20 September 2009 North Coast Business Journal www.ncbj.net and the many vacationers who travel to Port Clinton to spend their weekends in the area. The market provides the community with access to a wide variety of fresh, local, in-season farm produce and other locally made products as well as high quality handmade crafts in a central location. Special thanks to the Ottawa County Community Foundation for their support of this project. The Farmers Market is open every Saturday from 8am-12pm at Adams Street Park in downtown Port Clinton. The Main Street Port Clinton Walleye Festival over Memorial Day weekend was a huge success! The Committee has already started planning for the 30th anniversary of the Walleye Festival in 2010 so we can make it the biggest and the best ever! The Walleye Festival Committee is looking for new volunteers. We have many dedicated and amazing volunteers, but we can use your help. Please contact Chairman Judy Smith at 419.732.2864 to learn more. I am pleased to introduce the 2009-2010 Board of Directors of Main Street Port Clinton Board. The officers are John Madison with The Frederick Agency, President; Mary Snyder with Mary’s Blossom Shoppe, Past-President; Tom Brown with Northwest Ohio Mayor’s and Managers Association, Vice-President; Dawn Zink with Zink Calls, Treasurer; and Rich Gillum with Kocher and Gillum, Secretary. Other Board Members include John Bennett with Second Main Street Port Clinton Update By Laura Schlachter, Program Manager Main Street Port Clinton is an official Ohio Main Street Community striving to protect, preserve, promote, and improve downtown Port Clinton as a vibrant center for businesses, entertainment, and cultural activities for residents of the community and visitors to the area. Each year, Main Street Port Clinton is reviewed by Heritage Ohio in order to maintain our statewide designation. Main Street Port Clinton has been hard at work applying for national, statewide, and local grants to improve our historic downtown. Port Clinton City Council with the support of Main Street Port Clinton adopted a Downtown Strategic Planning Initiative and a Market Study in May. The Strategic Planning Initiative outlined the development needs and assessed the existing conditions of the downtown including land use, traffic/circulation, public spaces, streetscape and aesthetic quality. Goals and objectives and a vision/mission statement for the central business district were derived from a series of public meetings, design workshops, and community input. The market analysis examined the details of the current overall economic, business, and service climate of downtown Port Clinton. The Strategic Planning Initiative and the Market Study were necessary in order to apply for a Community Development Block Grant CDBG Tier 2 $400,000 grant for building rehabilitation and streetscape improvements. Thirteen communities across the state applied for the grant; only 5 communities remain with Port Clinton being one of them. The deadline to submit the second part of the application is in October. Currently, Main Street Port Clinton is working with downtown property owners to designate a specific target area for the project and also determine private interest. Main Street Port Clinton was awarded a $25,000 grant from Heritage Ohio for our Downtown Exterior Building Improvement Program. Thirteen property owners have been awarded funding to make improvements to the exterior of their buildings. Projects include window replacement, new roofs, awnings, and exterior painting. Main Street Port Clinton started a farmers market this summer in order to provide an informal social gathering place for the enjoyment of the citizens of Port Clinton Main Street Board Member Missy Walker, City of Port Clinton Mayor Debbie HymoreTester, and Board President John Madison were presented a check from the Stensen Foundation to be used for the revitalization and rehabilitation of downtown Port Clinton. Street Diner; Jim Jachimiak with Kalahari Resort and Convention Center; J. Bou Sliman with the Garden at the Lighthouse; Paul Rothschild with Split Winds Gallery; and Missy Walker with First National Bank. Ex-Officio Board members include Duane Myers with the Ottawa County Visitors Bureau; Mayor Tester representing the City of Port Clinton; and Jeff Morgan representing Port Clinton City Council. Lastly, I challenge everyone in Port Clinton and surrounding communities to get involved with Main Street Port Clinton. We are looking for fresh ideas and new faces. Call me, email me, or stop by the Chamber. I can be reached by phone at 419/734-5503 or by email at This e-mail address is being protected from spambots. You need JavaScript enabled to view it . For all your Business Needs WEATHERING THE TEST OF TIME SINCE 1970 • Awards Banquets • Golf Outings • Business Meetings • Sales Seminars • Lunch and Dinner Meetings • Weddings For information, contact Tom Smerillo at 419-625-5394 Membership not Required 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 PLUM BROOK COUNTRY CLUB 3712 Galloway Rd., Sandusky • www.plumbrookcc.com www.ncbj.net North Coast Business Journal September 2009 21 Magruder Hospital – Moving from “Good” to “Great” Throughout 2009, Magruder Hospital has continued its commitment of bringing new healthcare services, technology, wellness and education programs, free health screenings and physician services to the community. “While it is great when a hospital is able to add services, technology, physicians, or put up a new building, it is even better when it can educate people on healthcare, offer screenings in hopes of catching disease at an early stage, and make sure the underprivileged receive the medical care they need. We are doing all of those things at Magruder,” said Magruder’s President & CEO Cliff Harmon. This year Magruder has an offering of several health screenings, including skin cancer, prostate, and colorectal. Education forums on topics like diabetes, Alzheimer’s, and arthritis are held every month. Wellness programs Morris. In May, Magruder opened its on-site urgent care service in its emergency department. Patients have access seven days a week, including holidays, from noon – 7:30 p.m. In March, Magruder hosted an open house for the community to see its new medical office building. The project created space for six physician practices and additional clinic space. Each physician practice has 3 exam rooms and other supporting space as well as better patient flow, more convenient parking, and increased technological capabilities. Magruder’s Women’s Center began taking appointments for its new digital mammography system. The technology, which was installed at the end of July, was purchased from GE Healthcare. The company’s Senographe Essential system is one of the leaders in the digital mammography technology Magruder’s new Sleep Medicine Center offers a comfortable setting for patients during their stay. such as nutritional counseling, yoga, tai chi, and cardio-pilates are helping people understand the benefits of eating right and exercise. As for the addition of new services, in January, the hospital began taking appointments for its new sleep medicine center under the direction of Dr. David Magruder Hospital opened its on-site urgent care service in May of this year. available in the market today. Magruder also entered into an agreement with Northwest Ohio Cardiology Consultants (NWOCC) of Toledo for expanded cardiology coverage. This relationship has expanded both the outpatient and inpatient cardiology capabilities of the Continued on Page 22 Meet your new friend in the fight against breast cancer. Magruder’s New Digital Mammography Technology •••• It will see you more clearly for what’s on the inside ••• And will take up less of your time •• But most important, it is a powerful ally in the fight against breast cancer. Available at Magruder Hospital’s Women’s Center Now Taking Appointments Monday – Saturday 615 Fulton Street • Port Clinton, OH 43452 • 419-734-3131• www.magruderhospital.com 22 September 2009 North Coast Business Journal www.ncbj.net Wagoner and Murray Host Lake Erie Shores & Islands Legislative Days Event provided more than 100 legislators, public officials and policy makers from around the state the opportunity to see all that the Lake Erie Shores & Islands region has to offer. State Senator Mark Wagoner (R-Ottawa Hills) and State Representative Dennis Murray (D-Sandusky) hosted Lake Erie Shores & Islands Legislative Days August 5-7, 2009. Over two days, more than 100 members of the Ohio General Assembly, state officials and other key policy makers had the opportunity to participate in activities and events that showcased the region’s travel and tourism industry and the importance of Lake Erie to the state as a whole. Wagoner and Murray believe that at a time when families have less disposable income for travel and state and local governments have fewer resources to invest, it is important that opinion leaders are aware of the economic jewel that is Lake Erie. “I am pleased that so many legislators joined Representative Murray and me for two full days on Lake Erie. Lake Erie Shores & Islands Legislative Days gave us the opportunity to emphasize not only the importance of having a healthy Lake Erie, but also the importance of travel and tourism to our area. I want to thank everyone who volunteered their time and provided the resources to make this event possible,” Wagoner said. “Lake Erie is Ohio’s single greatest natural resource. The Lake and its shoreline are significant drivers of the local economy,” Murray said. “Legislative Days highlighted the linkage between obtaining both present and future returns on these assets because the Lake Erie of the 1970s produced few tourists or fish while the Lake Erie of 2009 yields a bountiful harvest of both. It was important for key decision makers from around the state to learn about Lake Erie’s past success as well as looming and emerging challenges.” Participants in Lake Erie Shores & Island Legislative Days enjoyed: a luncheon at the Crescent Pavilion followed by a tour at Perry’s Victory & International Peace Memorial; a tour of Gibraltar Island, which included Cooke’s Castle, Ohio State’s Stone Laboratory, information on diving Lake Erie, water snake exhibits, and trips on a research vessel; an informational dinner at Niagara Event Center which featured keynote speaker Amir Eylon, Ohio State Tourism Director; a choice of tours at Kelleys, Middle Bass, or South Bass Islands; a luncheon highlighting Ohio Tourism at Crew’s Nest Pavilion, and for those who elected to extend their stay, a round of golf at Sawmill Creek Golf Course or a day trip to Cedar Point. Wagoner noted that while many participants were aware of the recreational opportunities in the region when they came, he was pleased that more people had learned about the quality programs and research conducted at Stone Lab by the time they left. This event was supported locally by the efforts of the Ottawa and Erie County Visitor Bureaus, Jet Express, Miller Boat Line, Put-in-Bay Chamber of Commerce, Kelleys Island Chamber of Commerce, The Perry Group, Perry’s Victory & International Peace Memorial, Island Transportation, Ohio Sea Grant, Lake Erie Islands State Parks, Sawmill Creek, and Cedar Point. For more information about Lake Erie Shores & Islands area visit www. ShoresandIslands.com THE LAST THING YOU ARE TO US IS SMALL. Get great service on your small business commercial insurance at Nationwide®. RICK A NEMECEK Randy Troike This e-mail address is being protected from spambots. You need JavaScript enabled to view it 127 W. Perry Street Suite 101 Port Clinton, OH 43452 (419) 732-3624 ©2006 Nationwide Mutual Insurance Company and Affiliated Companies. Nationwide Life Insurance Company. Home office: Columbus, Ohio 43215-2220. Nationwide, the Nationwide Framemark and On Your Side are federally registered service marks of Nationwide Mutual Insurance Company. Not available in all states. and patients to receive care. This has been a busy year here at Magruder, but overall, it’s still hospital. Patients of NWOCC, who have the ability to give great patient care that inspires received initial medical care from the group at and motivates all of us to come and work here one of its Toledo locations, can do all of their every day,” said Harmon. follow-up cardiology care at Magruder. A hospital-wide celebration for employees, volunteers and physician offices was held in April. The occasion was the hospital’s achievement of reaching the 96th percentile for patient satisfaction in the emergency department, putting Magruder in the top 4% of hospitals nationwide for patients satisfied with their care. This achievement and celebration followed Magruder reaching the 98th percentile for inpatient satisfaction in December of last year. “Coming in as the new President & CEO two years ago, one of my goals was to move Magruder from being a good hospital to a great Sidsel Halblaub, an RN at Magruder, takes hospital by actively engaging our employees care of a medical surgical patient. The hospiand physicians in making Magruder a great tal has begun renovations to convert all of its place for people to work, physicians to practice patient rooms to private. Magruder Continued from Page 21 www.ncbj.net North Coast Business Journal September 2009 23 A Closer Look at the Civilian Marksmanship Program If you drive around Port Clinton, Ohio during the month of July you will likely notice more than just the typical summer boating and fishing visitors. While Lake Erie is a big draw in the summer months, it cannot trump the yearly call of the National Matches that bring thousands of competitive shooters from all over the country to Camp Perry and Ottawa County. And while some local business signs mistakenly welcome these shooters to the NRA National Matches, it is actually the Civilian Marksmanship Program that federal law states is responsible for the annual National Matches. In fact, the Civilian Marksmanship Program (CMP), which is headquartered on post at nearby Camp Perry, was created by an act of the United States Congress in 1903 and mandated to conduct the National Rifle and Pistol Trophy Matches each year. President Theodore Roosevelt, who believed that marksmanship skills developed through regular practice and competition contribute to the nation’s defense, spearheaded the creation of this program. In 1907, the National Matches were conducted at Camp Perry for the first time, and it was decided that a permanent home had been found for the matches. To this day, the CMP continues to fulfill its mission of conducting the National Matches and Small Arms Firing Schools, which are also mandated by federal law. The law goes on to state that NRA national to 4:00 PM, Wednesday through Saturday. Browsing the CMP Store is just part of the history lesson you will receive through a visit to Camp Perry. The post was founded in 1906 and gets its name from Commodore Oliver Hazard Perry, USN, who was the victorious Naval Commander in the Battle of Lake Erie near Put-in-Bay, during the War of 1812. Since its opening, Camp Perry has served as the home of the National Matches, an Ohio National Guard training site and, for brief stints during World Wars I and II, as a POW Camp. Visitors can see its historic buildings, outdoor armament displays and of course the immense stretch of ranges that border Lake Erie. The old “Camp Perry Arcade” is the CMP headquarters building. It is located at the center of the post where visitors are able to view many National Matches Trophies, some dating prior to the inception of the Matches, that are on display in the windows of the headquarters building. Not everything on Camp Perry is from the early 20th century; a brand new CMP Marksmanship Center, which was completed in 2008, now hosts yeararound open and junior training and competitions events. The facility features an 80-firing point indoor air gun range that is fully equipped with state-of-the-art electronic targets. With this world-class system, all shots are instantly displayed on monitors beside each shooter and on display screens visible to spectators. The CMP holds monthly matches in both rifle and pistol events, along with several national championship competitions. The range is also open for public shooting on Tuesday evenings from 5:30PM until 8:00PM for a small fee. CMP has air rifles and pistols available as loaners, or participants can bring their own. People of all ages are encouraged to attend and marksmanship instruction is available for youth. The Marksmanship Center is a great place to learn how to shoot or just get in some extra practice. For 93 years, the CMP was a federal agency within the Departments of War or Defense that was administered by the U. S. Army. In 1996, Congress privatized the program by creating a federally chartered, not-for-profit cooperation known as the Corporation for the Promotion of Rifle Practice and Firearm Safety, Inc., which is the official name for the CMP. This 1996 legislation states, in part, that the functions of the CMP are 1) to instruct U. S. citizens in marksmanship, 2) to promote practice and safety in the use of firearms and 3) to conduct competitions in the use of firearms. The law goes on to state, “the corporation shall give priority to the activities that benefit firearms safety, training and competition for youth”. Continued on Page 24 championships “shall be held in connection with the National Matches.” The current National Matches thus include Pistol and Rifle Small Arms Firing Schools, CMP National Trophy Pistol and Rifle Matches, National CMP Games Rifle and Pistol Events, NRA National Rifle and Pistol Championships and several additional schools and clinics. Altogether in 2009, between the First Shot Ceremony on 13 July and the closing ceremony on 19 August, these events brought over 6,000 competitors, coaches and volunteers to Port Clinton. To fund its National Matches responsibilities as well as many other CMP marksmanship training and competition programs, the CMP is authorized by federal law to sell surplus .30 and .22 caliber military rifles, parts and ammunition to qualified U. S. citizens. In accordance with this legislative authorization, the CMP now sells governmentsurplus M1 Garands, M1 Carbines, .22 caliber target rifles and small quantities of other rifles to qualified Donna Schoonmaker, CRS, GRI, ABR, RSPS purchasers. All net revenue from CMP sales operations 4159 N. Grove Dr., is used to fund current Catawba Island programs and an Unique custom home with endowment to support lake views in Catawba Cliffs. Native stone fp, gourmet future programs. Most kitchen, open floor plans. CMP sales operations take Elegant design, a true one of place at the CMP a kind. Distribution Center in Anniston, Alabama. 1212 N. Catawba However, anyone in this Bay, Catawba Island area who is interested in Quality new home, purchasing one of these vaulted ceilings, high vintage rifles may go to the end cabinets, stainless CMP Store at Camp Perry GE appliances, tile & to inspect, select and wood floors, granite purchase these rifles. The countertops, corner fp, full basement. Store, which is located on 419-260-4486 (Cell) the southwest side of the This e-mail address is being protected from spambots. You need JavaScript enabled to view it base, is open from 8:30 AM The new CMP Marksmanship Center offers state-of-the-art electronic targets that allow spectators to see where competitors shots are placed on large monitors located above the shooters. This facility is open to the public on Tuesday nights for a small fee, and air rifles and pistols are available for use. 24 September 2009 North Coast Business Journal www.ncbj.net evaluating your insurance policy is Extra Expense. This refers to necessary expenses incurred during the period of restoration that you would not have incurred if there had been no claim. It would allow you to recover costs such as renting and preparing a temporary facility or moving equipment – any type of expense that would help avoid or minimize the suspension of business and to continue operations would be covered. While buildings, equipment and inventory are important to insure properly, protection for your earnings is equally important. There are many different forms of the coverage available and it can be customized to meet your specific needs. With the number of options available, you must know if what you need and what you have in place match up. A serious evaluation of your operation’s exposure and your current insurance coverage could be the difference to keeping your doors open after a loss or losing your business as well. Insurance Business Income Guest editorial submitted by Andrew L. Stephey, CIC, LUTCF United Insurance Service Does your current insurance policy provide the right coverage to make certain your business can overcome a serious loss? It is easy to assume that things are in place because you carry insurance for your property and liability exposures but have you thoroughly considered all the hurdles your business will face while trying to continue operations after a claim? Unfortunately normal expenses such as business loans, leases, utilities, taxes and possibly even payroll will continue. A loss can create substantial financial difficulties and businesses that do manage to re-open can still struggle with unanticipated obstacles. It is important to evaluate your need for Business Income insurance. Business Income coverage provides protection from indirect losses companies experience during shutdowns that could follow a serious fire or other large disaster. Income normally received could stop while the business is making repairs, rebuilding or searching for a temporary location. It is possible under the business income insurance to cover Continued from Page 23 CMP carries out this mission by supporting several programs that focus on youth. One of CMP’s flagship programs is the Three-Position Air Rifle Camps that take place across the country each summer, with several camps taking place at Camp Perry. These weeklong camps are designed to provide advanced instruction for youth who shoot on high school rifle teams and clubs. Current NCAA Collegiate Rifle athletes, Olympians and top experts in the country provide marksmanship instruction. The 2010 Camp schedule will be posted on the CMP website in January. Another CMP supported youth program that brings young shooters from across the country to Port Clinton is the JROTC Air Rifle Championships. Each weekend in February, over 200 athletes, coaches and parents will make the trek each weekend to Camp Perry to compete in four successive JROTC Championship matches. A winter event open to shooters of all the entire amount of the loss and continue to pay employees while the normal business operations are suspended. It is also possible to only cover your earnings and omit the cost of payroll. This would reduce your premium costs but obviously limit the ability to retain personnel in the event of an extended suspension of business. While many insurance companies may include some form of Business Income with their policies, the limit may be insufficient to meet your actual needs. Also, there are different coverage forms to choose from when selecting this protection for your business. Coverage can be purchased on an actual loss sustained basis, a coinsurance basis, a monthly limit of indemnity, or even an agreed value based on the needs of the operation. Retail operations should evaluate peak season needs versus slower periods of the year. There is a waiting period of 72 hours on the form but that can be reduced if desired. An extended period of indemnity can assist a business with additional income protection while it is getting back on its feet and re-establishing its customer base after it has resumed operation but is still not making the income it had prior to the loss sustained. One other option to review when ages is the Camp Perry Open that will take place on 15-17 January 2009. This air rifle match features a three-position air rifle match for juniors and an open international standing match. Last year the event drew over 200 competitors, including members of the U. S. National Team and the Army Marksmanship Unit. On 19 September from 9:30 AM to 3:00 PM the community is welcome to join CMP at the Marksmanship Center for an open house. Visitors will have an opportunity to shoot on the electronic targets and prizes will be awarded. The event will include safety instruction and staff will be on hand to provide hands-on training. This is an event for the entire family. Camp Perry is located five miles west of Port Clinton on Ohio State Highway #2. The Camp Perry entrance is on the north side of Hwy #2 and is marked by two lighthouses. For more information about CMP events or sale items please visit www.odcmp.com. To contact CMP directly you email This e-mail address is being protected from spambots. You need JavaScript enabled to view it or call (419) 635-2141. EHOVE Fire Academy Team Wins Wakeman Fire Fest Honors A team of students enrolled in the Fire Academy at EHOVE won top honors at the Wakeman Firefighters Homecoming Festival earlier this summer. The only student team to compete in the 16-department contest, the team took First Place in the Hose Relay Challenge and Second Place Overall. The EHOVE Fire Academy prepares students for entry level positions in the Emergency Medical Technician and Firefighting fields. Students who successfully complete the course are eligible to take the National Registry certification exam and the Professional Firefighter Level II State Exam. Both certifications are a requirement to work in the EMT and Firefighting fields. JUDGMENT 2 CASH® Judgment Enforcement Professionals Free Consultation • Small Judgments Our Specialty Joanne Shearer Director of Investigations 4920 Milan Road I-303 Sandusky, Ohio 44870 WE BUY MONEY JUDGMENTS 1-877-299-8304 Judgment2Cash.com This e-mail address is being protected from spambots. You need JavaScript enabled to view it www.ncbj.net North Coast Business Journal near the skin line, chest wall and in women with dense breast tissue types. Digital mammograms take as little as half the time of film and, if a second opinion is needed, the electronic image can be printed and sent to a consulting physician.” said Linda Badamy, Magruder’s Director of Imaging Services. While the technology is expensive, with an approximate $420,000 price tag, Magruder had some generous financial assistance from donors who are big supporters of the hospital having this technology. “The Magruder Hospital Auxiliary has really been a great supporter of purchasing digital mammography. The Auxiliary used the money from four fundraising events, the 2008 charity ball and the last three golf outings, to put toward this purchase. Magruder is very grateful for their contributions,” said Cliff Harmon, President & CEO of Magruder. In addition, according to Harmon, funds from the John & Bernice Pluta Family Foundation were also earmarked vending area, juke box and Wi-Fi for customer convenience. The Stainless Steel laundry equipment is the finest available in the commercial line. The Pet Wash is designed for any size pet and allows pet owners to wash their animal in a convenient, safe environment that eliminates the trouble associated with bathing pets September 2009 25 Digital Mammography Now Available at Magruder Hospital Magruder Hospital’s Women’s Center is now taking appointments for its new digital mammography system. The technology, which was installed at the end of July, was purchased from GE Healthcare and is the company’s Senographe Essential system. GE is one of the leaders in the digital mammography technology available in the market today. “There are so many advantages to this digital system. The images are clear and easy to read and it offers an excellent view of the breast, especially for the purchase. “The Pluta Family Foundation has generously given to Magruder over the years. In 2008, they agreed to have their donation put toward digital mammography. So between the generosity of the Auxiliary and the Pluta family, approximately $100,000 of the purchase came through donations to the hospital,” said Harmon. “Patients are thrilled Magruder now has digital mammography. Anything to improve the fight against breast cancer is a step in the right direction,” said Badamy. at home. The wash equipment includes shampoo, conditioner, flea/ tick treatment, suction hose and blow drier. Vending machines even offer dog treats & supplies. The Mathewsons have constructed a number of facilities around the State with the closest being located in Catawba. Clean Scene Owners Cut Ribbon Small Business Basics Seminars Set for September Clean Scene owners Brad and Jill Mathewson are pictured as they officially open their new facility located at 4307 Milan Road in Sandusky, Ohio. In early August, a ribbon cutting ceremony was held as representatives from Design/Build General Contractor Janotta & Herner Inc., Subcontractors, Suppliers, Banking Officers and Public Officials looked on. The Clean Scene is a combination of four separate entities. Anchored by a state of the art Car Wash, the 12,625 SF facility also includes a coin operated Laundromat, Pet Wash and Dry Cleaning service. The Car Wash features a 172 foot long wash tunnel that includes a water reclamation system to save water as well as high technology equipment that offer a number of options for customers. Upon exiting the wash tunnel, free vacuum stations are available. The Laundromat has high intensity lighting, epoxy flooring, wide aisles, The Ohio Small Business Development Center at Terra Community College is offering free, two-hour seminars, “Small Business Basics,” that will answer questions about starting, buying or expanding a small business. This seminar will take the confusion out of your efforts and help you avoid costly mistakes and unnecessary steps. Learn the basics of: name registration, licensing, taxes, zoning, business entities, employees, insurance, financing and business planning. The September schedule is: Wednesday, Sept. 9 – 9:30 to 11:30 a.m. Tiffin Area Chamber of Commerce (conference room), 62 S. Washington St., Tiffin Wednesday, Sept. 16 – 9:30 to 11:30 a.m. Erie County Chamber of Commerce (conference room), 225 W. Washington Row, Sandusky Wednesday, Sept. 23 – 4:30 to 6:30 p.m. Terra Community College (Building B, Room 101), 2830 Napoleon Road, Fremont These events are free and open to the public. To register or for more information, call Bill Auxter, Director of the Ohio Small Business Development Center at Terra Community College, toll-free 800826-2431 or 419-559-2210. Or contact him by email at This e-mail address is being protected from spambots. You need JavaScript enabled to view it . 26 September 2009 North Coast Business Journal www.ncbj.net Old Fort Bank Makes Sizeable Donation to Terra College Foundation Keeping with its focus on community, the Old Fort Bank has donated $50,000 to the Terra College Foundation. “We are very appreciative to the people of Old Fort Bank for supporting our students,” said Terra president, Dr. Marsha S. Bordner. “They certainly understand that education is a valuable asset to the community.” It’s just part of what the bank stands for, according to its leaders. “As a local community bank, Old Fort Bank welcomed the opportunity to contribute to Terra Community College,” stated Michael C. Spragg, President/CEO of Old Fort Banking Company. “The college has provided students with a solid foundation to a successful career path. We are pleased that some of our own employees are graduates of Terra while many other employees have attended classes and workshops to further their education and expertise in the workplace. We look forward to the continued growth and success of Terra.” Officials from Old Fort Bank and Terra recently got together for the check presentation. Dianne G. Krumsee, Old Fort Bank’s Chairman of the Board, noted that Terra offers an excellent academic program while providing the students in the community with the opportunity to improve their lives through education. “Old Fort Bank is pleased to pledge our support to this fine college and the Fremont community,” she said. “Terra provides a wide array of curriculum to build and enhance careers. Their faculty provides outstanding leadership as they prepare students from all walks of life for a brighter future. We are also pleased with the strides Terra has taken to offer affordable classes and services.” Established in 1916 The Old Fort Banking Company currently has eight full-service financial centers located in Bettsville, Clyde, Findlay, Fostoria, Fremont, Old Fort, Tiffin Downtown and Tiffin Westgate. Those at the check presentation were, from left, Dr. Sue Babione, Executive Director of the Terra College Foundation; Dianne G. Krumsee, Old Fort Bank’s Chairman of the Board; Michael C. Spragg, President/CEO of Old Fort Banking Company; and Dr. Marsha S. Bordner, President of Terra Community College. Increased Enrollments at Terra Call for Innovative Planning With the possibility of a 25 percent increase in traffic on campus this fall, officials at Terra Community College have arrived at an innovative plan to ensure students have a place to park. The extra cars will be the by-product of a record fall enrollment. There are currently more than 3,100 students registered, which is nearly 25 percent more than fall 2008. Those numbers prompted the search for more parking spaces. “We are very appreciative to Bob Kusmer for the suggestion and Tom Kern for his willingness to help us, in essence, add a parking lot at a very minimal cost,” said Dr. Jerome Webster, Vice President for Student and Administrative Affairs at Terra. Actually, the lot is already on campus, but is being used by the Terra Truck Driving Academy as its defensive driving course. Kern has graciously agreed to allow the college to lease, at a nominal fee, the parking lot of the former Singer Controls on Cedar Street. While the defensive driving course will be moved there, truck driving students will continue taking their classroom work on campus. Faculty and staff will be encouraged to park on the old truck driving pad so that students can park in lots closer to the buildings. Signs will be posted on campus and students will be advised of the new lots in their student portals. “Having to find additional parking spaces is a good problem to have because it means our enrollment is at historic levels,” Webster said. “But thanks to our plant operations and the flexibility of our truck driving staff, we will have those extra spaces without blacktopping more of our beautiful campus.” Aesthetic & Plastic Surgeon Dr. Teresa Ghazoul Offers Outstanding and Experienced Care After serving as chief of plastic surgery in Beverly Hills at the nation’s largest plastic surgery practice, Dr. Teresa Ghazoul returned to her native Ohio in 2006. She established Plastic Surgery of North Central Ohio to provide area residents with the finest care available in aesthetic and plastic surgery. A caring and compassionate surgeon with 19 years experience, Dr. Ghazoul’s artistic and personal approach helps guide her patients in their surgery decisions. Procedures include the latest aesthetic surgical and non-surgical options: • Breast Augmentation • Liposuction • Tummy Tucks • Eyelid Procedures • Breast Reductions • Laser Resurfacing • Facelifts • Breast Reconstruction • Rhinoplasty (Nose Surgery) • Skin Cancer Care • Scar Revision • Otoplasty • Botox, Restylane and Collagen Injections TERESA H. GHAZOUL, M.D., F.A.C.S. Board Certified, Aesthetic and Plastic Surgery Plastic Surgery of North Central Ohio 278 Benedict Avenue FTMC Medical Park 3, Suite 450 Norwalk, Ohio 44857 419-668-7010 www.plasticsurgerynco.com Dr. Teresa Ghazoul is a member of the Medical Staffs and serves as Chief of Plastic Surgery at: Fisher-Titus Medical Center Tomorrow’s Technology. Today’s Personal Care Employees from Zimmerman Paint Company stripe the former Terra Truck Driving Academy pad into a new parking lot. www.ncbj.net North Coast Business Journal September 2009 27 Firelands Regional Medical Center’s Diabetes Firelands Regional Medical Center Works with University Hospitals Ireland Cancer Center Education Program Merits ADA Recognition Firelands Regional Medical Center and University Hospitals Ireland Cancer Center, Cleveland, OH, are working together to bring the most state-of-theart cancer services to our local community so that patients who reside in our area can stay in the area to receive their cancer care. “This is especially important at a time when patients may not be feeling their best, and when treatments may be scheduled on a frequent basis. With our new UH Ireland Cancer Center affiliation, there is no need for patients and families in our area to undergo the additional stress of needing to travel out of town to receive the highest quality of care,” states Charles A. Stark, President & CEO of Firelands Regional Medical Center. Stark further explains, “What was most attractive to us in affiliating with University Hospitals is the fact that their affiliation models are communitybased, meaning that their interest in affiliating is to bring an advanced level of services to local communities and to keep those services close to home. This matches perfectly with Firelands’ commitment to providing care locally.” “Another fact that makes this affiliation exciting is that these physicians will follow all the clinical standards and protocols of the nationally renowned UH Ireland Cancer Center. Additionally, these oncologists will have access to the resources available through the UH Ireland Cancer Center. The UH Ireland Cancer Center is one of only a select few cancer programs in the nation (as part of the Case Comprehensive Cancer Center) that is designated as a comprehensive cancer center by the National Cancer Institute, which is the highest quality distinction in cancer care. Additionally, the physicians have access to a whole team of UH Ireland Cancer Center physicians who specialize in specific cancers, who can review complicated cases. Additionally, the affiliation with UH Ireland Cancer Center will enable Firelands patients, when appropriate for their situation, to have access to clinical trials and new treatment protocols that are not yet readily available to the general public as standard cancer treatments.” “This is such positive news for the cancer patients in our area.” shares Kimberly Schreiner, Director of the UH Ireland Cancer Center at Firelands Regional Medical Center. “Over the years, the clinical staff has developed lasting relationships with our patients and family members and we know it is a comfort to our patients to continue to have their treatments where they already know the staff. Now with the added expertise and additional level of services available through our UH Ireland Cancer Center affiliation, our patients will have the best of both worlds.” For more information on the UH Ireland Cancer Center at Firelands Regional Medical Center, call 419-5577840 or visit www.firelands.com. The prestigious American Diabetes Association Education Recognition Certificate for a quality Diabetes SelfManagement Education program was recently awarded to Firelands Regional Medical Center’s program. ADA believes that this program offers highquality education that is an essential component of effective diabetes treatment. The Association’s Education Recognition Certificate assures that educational programs meet the National Standards for Diabetes SelfManagement Education Programs. These Standards were developed and tested under the auspices of the National Diabetes Advisory Board in 1983 and were revised by the diabetes community in 1994 and 2000. Programs apply for Recognition voluntarily. Programs that achieve Recognition status have a staff of knowledgeable health professionals who can provide participants with comprehensive information about diabetes management. Our staff includes: Jean Feick MSN, CNP, CDE, Jill Wagner, BSN, RN, CDE and Kasey Spaar RD, CDE. “The process gives professionals a national standard by which to measure the quality of services they provide,” comments Jean Feick, MSN, CNP, CDE, Certified Nurse Practitioner and Diabetes Educator at Firelands Regional Medical Center. “And, of course, it assures the consumer that he or she will likely receive highquality service.” Education Recognition status is verified by an official certificate from ADA and awarded for three years. Leber Joins First National Bank Dean Miller, President and CEO of First National Bank has announced the addition of Tony Leber as Assistant Vice President and Mortgage Originator for Erie, Huron and surrounding counties. Leber is a graduate of Norwalk High school and attended Bowling Green State University. He has over 22 years experience in the banking industry, is a member of the Firelands Association of Realtors, active with various committees, and was voted as the Affiliate of the year in 2007 for his past efforts. Leber and his wife Kim reside in Norwalk and are the parents of 3 grown children. Coming in October: Focus on Sandusky “Building the North Coast” ild Bu Bu ild d an an d n Le sig e as Chamber Discount on Commercial and Health Insurance Amy Flickinger 30 E. Main St. Norwalk www.flickinger-ins.com 419-668-4406/800-947-3700 De FOCHT CONSTRUCTION 1-888-797-7724 General Contractors 28 September 2009 North Coast Business Journal www.ncbj.net Catholic Healthcare Partners Ranks Top 10 Health Systems Hanck and Associates, LLC Merges in Nation’s Partners was senior vice president for performance Catholic Healthcare named to the Top 10 list of health improvement and 100 Top Hospitals with Barnes Wendling CPAs LLC systems in the United States based on programs at Thomson Reuters. “This Donald P. Hanck, CPA, ABV, Huron resident and president of Hanck and Associates, LLC announces his Sandusky firm will be joining Barnes Wendling CPAs LLC as a principal effective August 1, 2009. The merger brings together professionals with representative strengths in Barnes Wendling industry groups including manufacturers, contractors, construction firms, notfor-profit organizations, wholesalers, retailers, and distributors. Timothy D. Mayles, CPA, CFE, Milan resident and directorin-charge of the Barnes Wendling Sandusky office, is looking forward to the merger. He said, “Everyone at Barnes Wendling is truly excited about Don joining us. Don is a true professional and will be a huge asset to the Firm. He and his wife do tremendous things for our community and we are proud to be associated with both of them.” Hanck and Associates will join the Barnes Wendling team in their Sandusky office at 5002 Timber Commons Drive. “We’ve been working with Barnes Wendling for about a year and we’re excited about this opportunity,” said Don Hanck, owner of Hanck and Associates, LLC. “Knowing that our clients will benefit from Barnes Wendling’s expertise and their commitment to client service, has made this an easy decision.” Barnes Wendling CPAs LLC has 16 team members who live in Erie, Huron, or Lorain Counties. The roots of Barnes Wendling trace back to Charles C. Barnes, founder of Barnes Wendling, who was born and raised in Norwalk. their hospitals’ clinical performance in a Thomson Reuters study released this week. CHP is the parent company of Mercy Health Partners. Data on the clinical outcomes from Mercy’s seven hospitals in Northwest Ohio, including Mercy Willard Hospital and Mercy Tiffin Hospital, were all involved in the data collection studied by Thomson Reuters. Researchers from the Thomson Reuters 100 Top Hospitals analyzed quality and efficiency of 252 health systems across the country and found statistically significant differences between top and bottom performs in several key areas. All U.S health systems with two or more short-term, general, non-federal hospitals were assessed. Researchers looked at five metrics that gauge clinical quality and efficiency: mortality, medical complications, patient safety, average length of stay and adherence to clinical standards of care (evidence-based core measures published by the Centers for Medicare and Medicaid Services). The data studied is from 2006 and 2007. “The Top 10 includes for-profit and not-for-profit health systems, religious and secular organizations, and facilities that differ in size, ownership structure and geographic distribution of member hospitals,” said Dean Chenoweth, supporters of Mercy Tiffin Hospital and the Mercy Tiffin Health Foundation who contributed to our fundraising efforts to purchase the Mercy Express Van,” Thornton said. “We are pleased that this same quality of service will continue through SCAT.” SCAT was started in 1994 as an all volunteer service. In the past 15 years, it has grown to currently employ 30 staff and provided 64,151 trips in 2008, an 18 percent increase over the prior year. The agency became a public transportation provider in 2001. Year to date, 32,848 trips have been recorded. SCAT currently has 20 vehicles in service and is supported through the Tiffin-Seneca United Way, Ohio Department of Transportation (ODOT) grant funding, On The Move Mercy Express Van Services Transferred to SCAT Dale Thornton, President & CEO of Mercy Hospital of Tiffin and Linda Good, Executive Director of Seneca County Agency Transportation (SCAT) have jointly announced the transfer of the Mercy Express Van services with SCAT. The Mercy Express Van has been donated to SCAT and will be used for general transportation services. Mercy Express Van services began in 1995 and the newest vehicle was purchased in 2006 with dollars raised from a Mercy Tiffin Health Foundation Winter Wonderland Gala fundraiser. The Mercy Express has provided safe, r e l i a b l e transportation services to the hospital and physician offices for local residents for the past 14 years. “We truly appreciate the suggests that every type of health system has the potential to drive higher quality and health systems could become a powerful force for rapid improvement in hospital performance.” “This national recognition demonstrates that quality healthcare is the number one priority for Mercy’s hospitals and the other 23 hospitals in the CHP system,” said Steven L. Mickus, president and CEO of Mercy. “From our largest hospital in Toledo to our community hospitals in Oregon, Tiffin, Willard and Defiance families can trust that they will received the highest quality healthcare possible combined with the compassionate care that has been a hallmark of the Mercy system for more than 154 years.” Michael Connelly, president and CEO of CHP, said this is an important milestone in reaching CHP’s goal of excellence in healthcare. “We are proud to be recognized for our quality of care and efficiency. The results of this study affirm our system-wide approach to quality care, and are also a testament to the hard work, determination and the local healing touch that only our front-line caregivers can offer all who come through our doors.” and a minimal pay-per-ride fee. Those who are elderly or disabled may apply for grants that cut the pay-per-ride fees in half. Rural transportation accounts for 97 percent of rides while three percent are for those with travel needs to church, weddings and funerals. SCAT’s mission is to serve the residents of Seneca County and metro Fostoria by providing a safe, reliable, affordable, accessible and efficient public transportation system. “Mercy Tiffin Hospital and SCAT Transportation have always had a great working relationship,” Good said. “This is a wonderful way to enhance our ability to operate more efficiently and cost-effectively and best utilizes our communities’ limited transportation resources.” www.ncbj.net North Coast Business Journal September 2009 29 e Brown Welcome Center is open yearround on the 17-acre garden estate of the Schedel Arboretum & Gardens and provides a unique venue for all seasons. Take control of your print fleet, and watch your profits and productivity soar! Introducing optimize. manage. improve. Multi-Media Facilities Full Catering Service PagePilot™ is RS’ new all-inclusive program that gives your business the control to optimize your print infrastructure, manage its print environment and improve e ciency and workflow, all while saving up to 40% annually! Call us today at 800.516.7321 for your no-obligation print assessment. Schedel Arboretum & Gardens 19255 W. Portage River S. Rd. Elmore, OH 43416 419-862-3182 www.schedel-gardens.org 30 September 2009 North Coast Business Journal www.ncbj.net Magruder Hospital Elects Two Magruder Hospital’s Board of Trustees recently elected two new board members, Sue Crosser of Oak Harbor and Greg Deerhake of Marblehead. Deerhake and Crosser were elected to replace outgoing board members Rev. Gene Hegemier of Oak Harbor and Rick Comings of Marblehead. Deerhake is the Co-owner of Bass Haven Marina in Marblehead. He is past president of the Marblehead Chamber of Commerce, and current director and past treasurer of the Laker Athletic Boosters. He and his wife Sue have 3 daughters, Kelly, Kim, Karen and a son, Chris. Crosser has been a nurse for 35 years and has held positions at Crosser Funeral Homes Inc., F i r e l a n d s R e g i o n a l Medical Center, M a g r u d e r Hospital, the f o r m e r Providence Hospital, and is now employed by The Giving Tree in Port Clinton. She and her husband John live in Oak Harbor. "It is important to have members on our board that represent each of the communities Magruder serves. Greg coming from Marblehead and Sue from Oak Harbor, are great representatives of their communities, said Paul Druckenmiller, President of Magruder Hospital’s Board of Trustees. Fisher Titus Promotes Two John Britton of Norwalk was recently promoted to vice president of information services and will be in charge of FTMC’s information technology and telecommunication needs. Britton has been with Fisher-Titus Medical Center for nine years and served as director of information services from August 2004 to December 2007. He has provided successful leadership to the Fisher Group, which specializes in providing consulting services for the installation of i n f o r m a t i o n technology systems in physicians’ offices. Suzanne Inglis, director of cardiovascular services at the Snyder/ White Heart & Vascular Center at Fisher-Titus, is being promoted to assistant vice president of nursing. In this new role, Inglis will continue managing the cardiovascular services areas and also will gain administrative responsibility for overseeing the surgery service line. Inglis of Marblehead has worked in Fisher-Titus Medical Center’s cardiovascular department since 2006. She has managed the operations of invasive and non-invasive cardiology and vascular services. Inglis is a registered nurse with over 30 years experience. Inglis is board certified in healthcare management as an American College of Healthcare Executives Fellow (FACHE). She has a bachelor of arts from The Ohio State University and a nursing diploma from Good Samaritan Hospital School of Nursing, Dayton. Currently, she is completing work on her Master’s degree in Nursing. Community Hospice Care With Community Hospice Care, it’s not the destination, but the journey that matters EXCEEDING EXPECTATIONS THROUGH EXCEPTIONAL SERVICE. Kwest Group has the resources necessary to meet the needs of our clients, providing the best solutions for any given project. We have the right people and the right equipment to assist your organization in any of the following areas: • Commercial Site Development • Industrial Site Development • Underground Utility Installation • Demolition • Environmental Remediation • General Excavation • Shore Protection • Wetland Mitigation and Construction • Marina Construction and Maintenance • Dredging • Sheet Piling • Custom Crushing Rebecca S. Shank, R.N. Executive Director Proudly Serving Seneca & Huron counties since 1983 Our mission is to provide high-quality construction services that maximize value across the board. To accomplish it, we recruit and retain the best employees available. As a result, we’re setting new standards for our people, our clients and our role within the community. Discover the difference Kwest Group can make in your next project. Not for Profit - No Patient ever receives a bill for our 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: This e-mail address is being protected from spambots. You need JavaScript enabled to view it 960 S. Plasterbed Rd. • Port Clinton, Ohio 43452 419-734-5533 • Fax: 419-734-5534 Community Hospice Care www.ncbj.net North Coast Business Journal September 2009 31 Brian Lehner Attends LPL Financial 2009 National Conference Brian Lehner recently attended focus09, a leading financial services industry conference hosted by LPL Financial, the nation’s number one independent broker/ dealer. Through the hundreds of business sessions, technology training and continuing education classes at this event, LPL Financial advisors gained valuable knowledge to help them continually improve the service they offer to clients and operate their independent practices more efficiently. Two LEED Accredited at ACI Construction Scott Gross, Chief Estimator and Mike Paradiso, Project Estimator of ACI Const. Co., Inc. have recently become Accredited Professionals in Leadership in Energy and Environmental Design (LEED). Developed by the U. S. Green Building Council, LEED provides building owners a framework for implementing practical and measurable green building design and construction solutions. The LEED professional accreditation distinguishes building professionals with an advanced depth of knowledge in green building practices. ACI Const. Co., Inc. is a commercial contractor headquartered in Alvada, Ohio. Beginning 40 years ago as a family-owned business of construction professionals dedicated to quality work, the firm now employs over 125 people. Business Marketplace 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 email: This e-mail address is being protected from spambots. You need JavaScript enabled to view it CHRISTOPHER D. PALMER (419) 684-5502 Fax (419) 684-5756 TOLL FREE 800-356-5125 “Committed to Excellence” Abby Slemmer Mortgage Loan Originator 2374 W. State St. • Fremont, OH 43420 Phone: (419) 333-2936 Fax: (419) 355-2678 This e-mail address is being protected from spambots. You need JavaScript enabled to view it www.fremontfcu.com CASTALIA TRENCHING & READY MIX, INC. EXCAVATING - BUILDING SUPPLIES READY MIX CONCRETE SINCE 1953 4814 SR 269 CASTALIA, OHIO 44824 ONE MILE SOUTH OF CASTALIA Call Dave to advertise in next month's issue of the North Coast Business Journal 419-734-4838 • Computer Graphics • Layout and Artwork • Rubber Stamps • Circulars • Envelopes • Résumés • Letters • Notices • Newsletters • Books • Pamphlets • Journals • Catalog Sheets • Sales Bulletins • Letterheads • Business Stationery • Business Forms • Price Lists • Flyers • Business Cards Minuteman Press 205 S.E. Catawba Rd, Suite G Port Clinton, Ohio 43452 ® “Where Quality and Service Make the Difference!” 419-732-6673 • Fax 419-734-5382 32 September 2009 North Coast Business Journal www.ncbj.net Mohamed El Nemr, MD Tarek Dbouk, MD Memorial Health Care System provides a range of services to meet the needs of women at every stage of life MEMORIAL HEALTH CARE SYSTEM IS PLEASED TO WELCOME OB/GYN’S MOHAMED EL NEMR, MD AND TAREK DBOUK, MD AS THE NEWEST MEMBERS OF THE MEMORIAL HOSPITAL MEDICAL STAFF. > Committed to meeting the healthcare needs of our community with 5-STAR service Recognizing the special health care needs of women throughout their lifetime, Memorial Health Care System strives to deliver care to women of all ages. Services available include mammography, pain management, wellness supervision, minimally invasive and conventional surgeries, obstetrics, educational programs, nutritional counseling, lactation/breastfeeding consultation, mental health counseling, cardiology clinic, and sleep medicine. 715 South Taft Avenue Fremont, Ohio 43420 Phone 419.332.7321 memorialhcs.org ■ ■ ■