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The Business Voice of Erie, Huron, Ottawa, Sandusky and Seneca Counties
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Bellevue Area Chamber of Commerce
insuring our zoning code is followed as governed by ordinance. All are praised for their efforts and dedication to our village. The Marblehead Fire Department continues to provide superior service to our community and surrounding area under the stalwart leadership of Chief Doug Waugh. In 2012, our membership increased by 4 for total of 18 active members. A breakdown of the total membership includes 9 State Certified Volunteer Firefighters, 2 State Certified Level I Firefighters, 2 State Certified Level II Firefighters, 1 Certified Fire Instructor, 2 Paramedics, 1 Advanced EMT, 8 Basic EMTs and 2 Certified CPR Instructors. In 2012, the membership logged a total of 218 training hours. Our membership also served many hours putting out fires, saving lives and responding to calls. Last year our members responded to 93 Fire Responses and 457 EMS calls. In 2012, the Fire Department accepted the purchase and delivery of a new ambulance, 4 new ice rescue suits and a new MSA Thermal Imager. Plans for 2013 include the research and purchase of a new Lifepak15 Cardiac Monitor/Defibrillator. Additionally, Chef Waugh, members and Councilwoman Angie Kukay were instrumental in the Joint Fire Department Study and developed plan. Countless hours were spent by this committee which additionally included representation from Danbury Township and the Lakeside Fire Department. The overall effort of this group has offered a solid unified plan for our community in regards to EMS and fire service for our future. Efforts to initiate this plan should begin in 2013.
Marblehead Peninsula Chamber of Commerce Milan Chamber of Commerce
As in the past, the Marblehead Volunteer Fire Department remains a dedicated group who donate countless hours for the health, welfare and safety of our community. This administration acknowledges all for their unselfish love of their fellow man and thanks all for their unconditional service to the village. The Police Department continues to serve our community under the professional leadership of Chief Greg Fultz. The department is currently staffed with 2 full time officers, 3 part time officers at 32 hours per week each and 1 part time officer at 16 hours per week. Additionally, the village continues to contract with Danbury Township for 16 hours of shift coverage weekly. At times when we have been short or in need of mutual aid, the Danbury Township Police Department has consistently been
Seneca Regional
June 2013
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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 JOHN SCHAFFNER JEFFREY H. BRYDEN jbryden@ncbj.net DAVE KAHLER dkahler@ncbj.net KRISTA CHEEK kcheek@ncbj.net ROBIN QUESADA accounting@thebeacon.net TODD GARDNER todd@thebeacon.net MARK SCHAFFNER marks@thebeacon.net BRUCE DINSE Editor Director of Sales Sales Representative Accounting Manager Layout &Graphic Design Circulation Manager
NorthCoast 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.
! Y HE
ing k r o I'm w re he
here too reaching over 23,000 business-focused readers in five counties every month
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June 2013
June 2013
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Merging History: A New Day Dawns for Emergency Services in Danbury Township
Danbury Township has experienced a strong and continuous record of outstanding property and life-saving service since the organization of the Marblehead Volunteer Fire Department in 1895 and the Lakeside Volunteer Fire Protective Association in 1905. On March 13, 2013 a century-plus history of contracting with these two departments came to momentous consolidation with the formation of The Danbury Township Fire Department. Trustees Charles Scott, David Hirt and Dianne Rozak unanimously agreed to a resolution to create the merged department with an effective date of July 1, 2013 for full operational implementation. This positive combination of resources will continue to offer the same dedicated, professional level of service that residents and visitors on the Marblehead Peninsula have come to expect and appreciate. The trustees have appointed Marblehead Fire Chief Doug Waugh as Interim Chief to oversee the merger process. Chief Waugh stated, I am extremely pleased to be a part of this momentous undertaking. I have found that our community has been blessed to have so many dedicated people serving us. Through two years of dedicated work, we have found that we are able to merge our four entities (Lakeside Volunteer Fire Protective Association, Marblehead Volunteer Fire Department, Village of Marblehead Council and Mayor, and Danbury Township) into a unified Fire and EMS department. All of our personnel have put forth an untold effort to streamline and enhance our public service to all of the residents of Danbury Township. We are all very grateful to be a part of this historical undertaking. We look forward to continuing our services to the community in a highly efficient and unified department of which we can all be proud. Ed Cochenour, Chief of the Lakeside Volunteer Fire Department and Gary Deerhake, fire fighter and President of the Lakeside Volunteer Fire Protective Association, collectively said Thank you to our Township Trustees for the opportunity to operate entirely as one department in Danbury Township. We will now be able to more efficiently administer and manage the equipment, buildings, personal, recruitment, training and the changing to a fulltime/part-time EMS. We look forward to Standing left to right: John Englebeck, David Hirt, Doug volunteering in the new Danbury Township Fire Waugh, Ed Cochenour, Charles Scott, Gary Deerhake. Department. Seated left to right: Dianne Rozak, Marvin Rettig, Shelley T:10.17 in Seamon
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VILLAGE, from Cover
available to provide back up. On behalf of the Village of Marblehead, I thank Danbury Township Chief Meisler, his staff and the Danbury Township Trustees for this unconditional service. We are fortunate to live in a community with mutual assistance being first and fore-most for the health, welfare and safety of all. For both police departments, I hold the utmost respect and I thank you for your true commitment to community service for the village and township. In 2012, the Police Department responded to 689 calls for service. A total breakdown includes: 264 traffic stops, 41 traffic citations issued, 223 traffic warnings issued, and 97 criminal arrests. It is noted of the citations issued, the number of DUIs for 2012 was one. The department also hosted a variety of community events that included the Village Easter Egg Hunt, Memorial Day Parade/ Ceremony, the Village Christmas Tree Lighting, and providing security for the 1st Annual Marblehead Summer Festival. The department was also pleased to support our local school by sponsoring 2 graduating seniors, participating with the Right to Read Week and providing a judge in the Boy Scout Cake Bake Contest. The department also continues to provide our village with a Senior Watch Program. In 2012, the department renovated their current office space with new flooring, furniture and fresh paint. Additionally in December, the department purchased a 2013 Ford Explorer Police Interceptor. The goal is to have this vehicle on the road within the next few weeks. I praise Chief Fultz and his staff for their professional unselfish dedication to the Village of Marblehead and thank them for a job well done. The Street and Maintenance Department continues to provide quality service to the village under the guidance of Street Commissioner Bryan Lucas. With one full time employee and one part time employee, services provided include ongoing road repairs, cemetery and park maintenance, grass mowing, tree trimming, snow plowing and equipment maintenance to note a few. The Street Committee, under the leadership of Councilman Dean Dorko, along with Councilman John Starcher, Councilman Duane Myers and Commissioner Lucas were able to work on our road improvement list with the much needed repaving of Clemons Street and extended pavement of Harsh Road. Additionally, a street resealing program was established to help lengthen the lifespan of all village streets. The village was equally pleased to work with the State of Ohio in the repavement of Main Street/State Route 163. The plan for 2013 includes the Culvert Replacement Project at Lake Pointe Park and the goal to continue on with our road improvement list. Under this area, Street Commissioner Bryan Lucas also worked very closely with Councilman John McDonald on the Clemons Cemetery Fence Replacement Project. The fencing was obtained from Fremont Fence Company with grant assistance from the OSS Solid Waste District and is actually all made of recycled aluminum. Additionally, Councilman McDonald and Councilwoman Vickie Kozak continued on with village beautification by purchasing 3 recycled benches with additional grant funds. Planters were also placed by the Maintenance Department with planted flowers to brighten our streets and daily maintenance was offered to the appearance of Radar Park for all who entered our Village. Councilman John McDonald also worked with our Maintenance Department on the establishment of a new sandbox at James Park. The goal for 2013 is to obtain an awning for the sandbox along with toys for the children to enjoy. The Street and Maintenance Department also completed the demolition of the house on the Gresh Property. Benches and parking have now been established at this area for residents to enjoy time near Lake Erie. In 2012, the Street and Maintenance Department purchased a much needed backhoe. This purchase will assist in future cost and man power for the village. Additionally, Street
June 2013
most maintaining full time jobs, Mrs. Sowers, though part time herself, remains the center point and direct contact person for the village. This past year Mrs. Sowers participated in our regular State Audit for the years ended December 31, 2010 and 2011. The audit process itself is a laborious task, but Mrs. Sowers displayed much professionalism and knowledge in her role. It is noted Mrs. Sowers gives 110% of herself to the village in this role and her efforts are acknowledged and appreciated by all for a job well done. From a legal stand point in 2012, the village addressed a total seventeen ordinances and ten resolutions. Our solicitor James Barney, of the law firm Kocher and Gillum continues to provide the village with solid legal representation. Mr. Barneys devotion to the village and our administration goes above and beyond the expected scope of legal representation. There is no issue too small or too large. Mr. Barney is available 24/7 and provides excellent legal guidance in all issues. It is truly a pleasure to work with Mr. Barney and his law firm as they truly serve the Village of Marblehead in the best interest of all residents. In closing and in reflection, I look at the leadership and dedication of the Village of Marblehead Council, Board of Public Affairs, Zoning Administrator, Planning Commission, Fiscal Officer, Solicitor and all employees knowing their commitment to this commonwealth and fellow man remains the number one priority as we celebrate our 122 birthday. As in 2012, the administration will continue to build on past efforts. We will focus on ongoing infrastructure improvements. We will focus on employee compensation and retention. We will focus on meeting the needs of the village with our continued growth. This administration vows to evaluate each situation and act in the most viable means for the health, safety and welfare of its employees, residents and visitors. The goal established with our fore-fathers in 1891 continues in 2013 as we seek to retain the Village of Marblehead as a prominent commonwealth of opportunity for all. May the year 2013 be prosperous in meeting our goals for our current residents and future generations. May God Bless the Village of Marblehead, Township of Danbury, County of Ottawa, State of Ohio, and the United States of America, now and always.
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June 2013
Wine, Roses, Tastes Of Fine Food: Make For Memorable Summer Eve
Picture this! On a balmy summer evening you take a stroll through gardens filled with lush flowers and enjoy a glass of award-winning Pinot Grigio while sampling a treasure trove of delectable snacks. If this sounds appealing, youd better hurry and get your tickets for A Taste of Wine, Roses & Tapas. This 8th annual event, sponsored by the Huron Chamber of Commerce and hosted by Barnes Nursery, is planned from 5:30 p.m. to 8:30 p.m., Friday, June 21 on the nursery grounds, 3511 Cleveland Road W. Last year the event was changed up to include tapas. This is the Spanish word for small plates. Noted area chefs will be providing samples of their greatest gourmet treats. They include: The Kitchens Bounty, The Lodge at Sawmill Creek, Kalahari Resorts, Marconis Italian Restaurant and Mesenburg Creative Catering. . Enjoy many of Ohios awardwinning wines that have made their mark in the U.S. wine industry. Bottled wines will also be available from Chateau Tebeau Winery, Firelands Winery, Hermes Vineyards, Matus Winery, Mon Ami and Paper Moon Vineyards. There will be live entertainment, a silent auction and raffle, as well as a scavenger hunt. A commemorative etched wine glass is included in the $20 pre-sale ticket. They are available at the Chamber office, 509 Huron St., 419-433-5700 and at Barnes Nursery, 3511 Cleveland Road W. Tables can be reserved. .
Coming in July:
June 2013
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Marblehead Peninsula Chamber of Commerce 5 6 20 27 6th Annual Golf Outing at CIC Shotgun start at 10:00 RSVP Directors Meeting 7:00 pm Danbury Township Hall Business After Hours Hosted by: The Boardwalk & Miller Ferry 4:00 Ferry RSVP ONLY Executive Meeting 10:00 am Chamber Office
Genoa Chamber of Commerce 13 25 26 Chamber Board Meeting Rayz Caf at 7:30am Genoa Super Cruise-In Car Show 6 pm Genoa Civic Theatre Board Meeting at 7:00pm
Huron County Chamber of Commerce 6 12 13 19 20 Safety Council, Construction division, 7:30am, Chamber office, RSVP Open House, Shipley's Office Supplies and Furniture, 10 N. Foster St., 10am-4pm, Membership Committee, 8am, Chamber office Safety Council, General Risk, 7:30am, Chamber office, RSVP Board of Directors, 4:00pm, Chamber office Regional Chamber/ Convention and Visitors Bureau Business After Hours, Bierkeller Restaurant, Bellevue, 5-7pm, RSVP Safety council, Manufacturing, 7:30am, Chamber office, RSVP
Oak Harbor Chamber of Commerce 7-8 20 22 Village Wide Garage Sale Days Board Meeting 7:30am, Chamber Building Downtown Farmer's Market 9am-1 p.m., Log Cabin Park
Port Clinton Area Chamber of Commerce 5 6 10 Emilys GSE Ribbon Cutting and Grand Re-Opening Noon Main Street Port Clinton Economic Restructuring Committee 8:30 am at MSPC Office Business After Hours Hosted by Cellular Central and Slaters Madison Street Pub 5-7 p.m. Port Clinton Area Chamber Board Meeting 8:30 am at Chamber Office
Seneca Regional Chamber of Commerce & Visitor Services 4 8 Ribbon Cutting Landing Point Financial Group 11:30 am. , 6 Main St., Tiffin, Ohio. Ribbon Cutting Ceremony @ 11:45 am. Downtown Tiffin Farmers Market 9 am to 1 pm. Sponsored by the Chamber Market is located on South Washington St. between E. Perry St. and E. Market St.
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June 2013
Taxes
10 June 2013
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Estate
Balancing Your Investment Choices with Asset Allocation
Douglas Gildenmeister Senior Vice President, Investments Raymond James A chocolate cake. Pasta. A pancake. Theyre all very different, but they generally involve flour, eggs, and perhaps a liquid. Depending on how much of each ingredient you use, you can get very different outcomes. The same is true of your investments. Balancing a portfolio means combining various types of investments using a recipe thats right for you. Getting the right mix The combination of investments you choose can be as important as your specific investments. The mix of various asset classes, such as stocks, bonds, and cash alternatives, accounts for most of the ups and downs of a portfolios returns. Theres another reason to think about the mix of investments in your portfolio. Each type of investment has specific strengths and weaknesses that enable it to play a specific role in your overall investing strategy. Some investments may be chosen for their growth potential. Others may provide regular income. Still others may offer safety or simply serve as a temporary place to park your money. And some investments even try to fill more than one role. Because you probably have multiple needs and desires, you need some combination of investment types. is saving for a retirement thats 30 years away. Many publications feature model investment portfolios that recommend generic asset allocations based on an investors age. These can help jump-start your thinking about how to divide up your investments. However, because theyre based on averages and hypothetical situations, they shouldnt be seen as definitive. Your asset allocation is--or should beas unique as you are. Even if two people are the same age and have similar incomes, they may have very different needs and goals. You should make sure your asset allocation is tailored to your individual circumstances. Many ways to diversify When financial professionals refer to asset allocation, theyre usually talking about overall classes: stocks, bonds, and cash or cash alternatives. However, there are others that also can be used to complement the major asset classes once youve got those basics covered. They include real estate and alternative investments such as hedge funds, private equity, metals, or collectibles. Because their returns dont necessarily correlate closely with returns from major asset classes, they can provide additional diversification and balance in a portfolio. some expert advice--and recognize that no one really knows where markets are headed. Some people try to match market returns with an overall core strategy for most of their portfolio. They then put a smaller portion in very targeted investments that may behave very differently from those in the core and provide greater overall diversification. These often are asset classes that an investor thinks could benefit from more active management. Just as you allocate your assets in an overall portfolio, you can also allocate assets for a specific goal. For example, you might have one asset allocation for retirement savings and another for college tuition bills. A retired professional with a conservative overall portfolio might still be comfortable investing more aggressively with money intended to be a grandchilds inheritance. Someone who has taken the risk of starting a business might decide to be more conservative with his or her personal portfolio. Things to think about Dont forget about the impact of inflation on your savings. As time goes by, your money will probably buy less and less unless your portfolio at least keeps pace with the inflation rate. Even if you think of yourself as a conservative investor, your asset allocation should take long-term inflation into account. Your asset allocation should balance your financial goals with your emotional needs. If the way your money is invested keeps you awake worrying at night, you may need to rethink your investing goals and whether the strategy youre pursuing is worth the lost sleep. Your tax status might affect your asset allocation, though your decisions shouldnt be based solely on tax concerns. Even if your asset allocation was right for you when you chose it, it may not be right for you now. It should change as your circumstances do and as new ways to invest are introduced. A piece of clothing you wore 10 years ago may not fit now; you just might need to update your asset allocation, too. This information was developed by Broadridge, an independent third party. It is general in nature, is not a complete statement of all information necessary for making an investment decision, and is not a recommendation or a solicitation to buy or sell any security. Investments and strategies mentioned may not be suitable for all investors. Past performance may not be indicative of future results. Raymond James & Associates, Inc. member New York Stock Exchange/SIPC does not provide advice on tax, legal or mortgage issues. These matters should be discussed with an appropriate professional. Raymond James & Associates, Inc., member New York Stock Exchange/SIPC.
Even within an asset class, consider how your assets are allocated. For example, if youre investing in stocks, you could allocate a certain amount to largecap stocks and a different percentage to stocks of smaller companies. Or you might allocate based on geography, putting some money in U.S. stocks and some in foreign companies. Bond investments might be allocated by various maturities, with some money in bonds that mature quickly and some in longerBalancing how much of each you should include is term bonds. Or you might favor tax-free bonds over one of your most important tasks as an investor. That taxable ones, depending on your tax status and the balance between growth, income, and safety is called type of account in which the bonds are held. your asset allocation, and it can help you manage the level and type of risks you face. Asset allocation strategies There are various approaches to calculating an asset Balancing risk and return allocation that makes the most sense for you. The Ideally, you should strive for an overall combination most popular approach is to look at what youre of investments that minimizes the risk you take in investing for and how long you have to reach each trying to achieve a targeted rate of return. This often goal. Those goals get balanced against your need for means balancing more conservative investments money to live on. The more secure your immediate against others that are designed to provide a higher income and the longer you have to achieve your return but that also involve more risk. For example, investing goals, the more aggressively you might be lets say you want to get a 7.5% return on your money. able to invest for them. Your asset allocation might Your financial professional tells you that in the past, have a greater percentage of stocks than either bonds stock market returns have averaged about 10% or cash, for example. Or you might be in the opposite annually, and bonds roughly 5%. One way to try to situation. If youre stretched financially and would achieve your 7.5% return would be by choosing a have to tap your investments in an emergency, youll 50-50 mix of stocks and bonds. It might not work out need to balance that fact against your longer-term that way, of course. This is only a hypothetical goals. In addition to establishing an emergency fund, illustration, not a real portfolio, and theres no you may need to invest more conservatively than you guarantee that either stocks or bonds will perform as might otherwise want to. they have in the past. But asset allocation gives you a place to start. Some investors believe in shifting their assets among asset classes based on which types of investments they Someone living on a fixed income, whose priority is expect will do well or poorly in the near term. having a regular stream of money coming in, will However, this approach, called market timing, is probably need a very different asset allocation than a extremely difficult even for experienced investors. If young, well-to-do working professional whose priority youre determined to try this, you should probably get
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June 2013
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Vanguard-Sentinel Adult Career Centers An Alternative to College Campus and Online Courses
It is often difficult for adults to begin the journey of returning to school once they have graduated. It is even more difficult for an adult to return to school if they left prior to receiving a high school diploma. It is easy to settle into a routine, and the farthest thing from ones mind might be the fact that they have to go back to traditional college campus. Some may not have the computer skills or discipline to complete online courses. For others, attending school for several years to obtain a degree is not an option due to personal or family needs. Adult Career Centers offer alternate options that should be considered when one is exploring returning to school. Class sizes are limited to keep studentto-instructor ratios lower than most traditional college classrooms. Students have a routine schedule and are with the same instructor throughout the entire program, allowing instructors to learn the students strengths and weaknesses and help them accomplish their individual goals. Students become comfortable with their instructor and peers, often becoming a family by the end of the program. Instructors assist students with personal and professional development targeted at the students goals. They work on areas that can help the students succeed in todays workforce. Adult students come to the Vanguard-Sentinel Adult Career and Technology Centers for a variety of reasons. Some desire to return to school to learn in-demand skills to secure a better job. Others are seeking to change careers and need new skills to do so. Each year 4,000 adults benefit from the Vanguard-Sentinel Adult Career & Technology Centers GED, short-term, and full-time programs. Help is available through Vanguards Adult Basic and Literacy Education Program for those who want to improve their educational skills. These free, part-time classes allow adult learners to work at their own pace to brush up on basic skills to prepare for the GED test, higher education, or employment. Classes are available
school in order to secure a job or change their career path. Being away from textbooks and homework, whether for a short period of time or over many years can be intimidating when exploring returning to the classroom. Some adults find it difficult to attend a
mornings and evenings to accommodate a variety of schedules. Highly qualified teachers use research-based instructional strategies to ensure the students are successful in meeting their goals. Along with strengthening their academic skills, we can help adults improve their basic computer skills and explore career and post-secondary education opportunities that suit their skills and interests. Full-time courses are offered for adults who already possess a high school diploma or GED certificate. These courses are designed to prepare adult students for employment in todays workforce. Three full-time programs, Office Administration, Diversified Medical Occupations, and Paramedic are offered at the Cedar Street campus in Fremont. For more information, call 419-334-6901.
Firelands Regional Medical Center Receives Accreditation from the American Heart Association
Firelands Regional Medical Center has received accreditation as a Mission: Lifeline STEMI (Heart Attack) referring facility from the American Heart Association and the Society of Cardiovascular Patient Care. In addition, Firelands Regional Medical Center also received the 2013 Mission: Lifeline Silver Receiving Quality Achievement Award.The Mission: Lifeline accreditation and award are a testament to the high-quality care that our patients receive, said Tina Ammanniti, Area Director, Cardiac & Pulmonary Services at Firelands Regional Medical Center. Firelands Regional Medical Center is dedicated to making our cardiac unit among the best in the country, and the American Heart Associations Mission: Lifeline program is helping us accomplish that by making it easier for our professionals to improve the outcomes of our cardiac patients. We are pleased to be recognized for our dedication and achievements in cardiac care, and I am very proud of our team.Each year in the United States, nearly 300,000 people have a STEMI, or ST-segment elevation myocardial infarction, the most severe form of heart attack. A STEMI occurs when a blood clot completely blocks an artery to the heart. To prevent death, its critical to immediately restore blood flow, either by surgically opening the blocked vessel or by giving clot-busting medication. During a heart attack, its imperative that the person gets that artery unblocked quickly, Ammanniti explained. Time really is muscle the longer it takes for a person to get the care they need, the more damage that is done to the heart. That is why Firelands Regional Medical Center strives to provide advanced heart care close to home. Hospitals involved in Mission: Lifeline are part of a system that makes sure STEMI patients get the right care they need, as quickly as possible. Mission: Lifeline focuses on improving the system of care for these patients and at the same time improving care for all heart attack patients.
12 June 2013
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For excellence in Orthopedic Services and beyond, choose Firelands.
This she-fills-your-heart moment is made possible by Ohios #4 ranked hospital for Orthopedic Services.
Firelands Regional Medical Center has been recognized by Healthgrades as one of the nations 100 Best Hospitals for Overall Orthopedic Services. Which means were providing the best quality care and the best possible outcomes, in the best imaginable locationclose to home. Because moments like this are what life is all about.
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June 2013
13
My Partner
Mike Billings, Vicki Meade and Jeff Lemon.
On April 18, the Clyde Exchange Club awarded Hospice of Memorial Hospital $1,000 to enhance its youth bereavement programs. According to Vicki Meade, Hospice of Memorial Hospital Director, the donation will be used toward hospices Beachcombers and Camp Fearless bereavement services. We are extremely grateful to the Clyde Exchange Club, she said. These funds will greatly benefit the youth we serve through our Beachcombers and Camp Fearless programs. Beachcombers is a year-round service offered through local school systems to help students cope with the loss of loved ones. It is a specialized program that has been developed to provide students with the tools to guide them through their grief. Camp Fearless is a week-long program offered in Clyde and Fremont that is free and open to children ages 6 16. During Camp Fearless, participants explore issues related to the impact of losses in their lives, in a safe and supportive atmosphere. In 2013, Camp Fearless is being offered from June 24 June 28 at Clyde Elementary and from July 15 July 19 at Grace Community Church in Fremont. Both camps meet from 9 a.m. 3 p.m. each day, with registration beginning at 8:30 a.m. According to Meade, This is the first year weve been able to offer Camp Fearless in both Clyde and Fremont, which will allow us to provide bereavement assistance for more children. Established in 1984 Hospice of Memorial Hospital provides end of life care to terminally ill patients, as well as support and bereavement services for their families and loved ones. For more information, including information about registering for Camp Fearless, call Hospice of Memorial Hospital at 419.547.6419.
My electric co-op took the time to get to know my business and whats important to me. They were able to suggest new lighting to provide a quick return on investment that not only saves me money, but also helps attract new customers and highlights my product to improve its visual appeal and increase profitability.
Your electric cooperative offers solutions, resources and personalized attentionall designed to make your business as energy efficient and cost effective as possible. Register today at www.buckeyepower.com to receive our informative Questline newsletter.
14 June 2013
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its extensive restoration of the only fully operational WWII PT Boat, to be licensed by the USCG to carry 49 passengers. This type of boat made famous by John F. Kennedys PT 109, and McHales Navy will be available for Torpedo Runs this summer out of Port Clinton, and the Lake Erie Islands!
Liberty Aviation Museum located at the Erie Ottawa County Regional Airport in Port Clinton, Ohio has become known as NW Ohios Baddest Man Cave or This Aint Your Grandpas Kind of Museum. According to the museum, it is not OEMncbjHALFPAGE04_13.pdf 1 4/5/13 6:54 PM the traditional static museum with
The highlight of the excursions will be a once in a lifetime experience of firing the .30 and .50 caliber machine guns (BLANKS OF COURSE!!). Executive Torpedo Runs will be available with catered meals and beverages. For more information, visit or contact the museum: 3515 E. State Road, Port Clinton, OH 43452, (419) 732-0234 www.libertyaviationmuseum.org
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June 2013
15
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16 June 2013
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Insurance
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where proceeds are paid to business owners or stockholders, Goodwill directs its revenue to funding its social services enterprises. Goodwill EHOS directs 95 cents of every dollar to mission services. This puts us in the top 1% of all 165 Goodwill territories, where the average Goodwill earmarks 85% to mission services. Fact:. Goodwill estimates that every four bags of donations generates enough revenue to provide one day of work at a Goodwill job for a local resident. We rely on community support for those donations and ask that you please continue donating to Goodwill. Your donations are instrumental in creating and sustaining jobs in your community. Although Goodwill EHOS is the second smallest Goodwill territory in the US, we rank #2 in the nation for community donations per household. This statistic speaks volumes to the generosity of our community, for which we are most sincerely grateful. Now that you have heard the facts, we hope that you appreciate the positive impact that Goodwill brings to our region, our state and our nation. To learn more about Goodwill firsthand, community members are invited to visit and tour our facilities.
20 June 2013
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Estate Planning
Call one of our convenient locations: Sandusky Office 419-625-4942 www.pncpa.biz Norwalk Office 419-668-2552
makes a difference.
Countless opportunities for Stein Hospice to make a Difference for you and your loved ones.
From pain relief to grief support, we bring our services to wherever the patient calls home. And we do so immediately and around the clock.
To schedule an appointment with Dr. Lenehan, call Mercy Cardiology Specialists Tiffin at 419.455.7480 or
Steven Bruhl, MD, MS Gregory Vigesaa, MD
Mercy Cardiology Specialists Willard 1100 Neal Zick Rd. Willard, Ohio
St. Anne St. Charles St. Vincent Childrens Defiance Tiffin Willard
2011 Mercy
800-625-5269
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June 2013
21
Sales
Being Honest with Oneself and Your Banker
By Roger Bostdorff I was recently referenced into an account by this companys bank. I have done work for clients of this bank and have had very good success assisting the company in turning around their business. My first meeting with the account the President started right in on what he wanted me to do. I interrupted him and asked how they had come to give me a call? They explained that the bank had indirectly told them that they needed help and that Roger Bostdorff is someone that some of their clients had used with good success. We went on with our conversation. The client had been founded many years ago by the father of the current President. The President had on his staff, his wife, multiple sons, as well as more than one daughter in-law, etc. This definitely was a family owned and operated business. The President explained to me what he wanted me to do. He wanted me to help him increase his sales. He wanted to know how I was going to do that. I explained that I first need to do an analysis of the business to determine what the problem/s were and why. He explained to me that lack of sales was definitely the problem. I suggested that he should let me do some analysis to determine if lack of sales was the problem, or potentially a symptom to a bigger or different problem. He finally agreed and then told me to deal with his bookkeeper and oldest son. I asked to see his financial statements so that I could analyze them as compared to the industry averages. After doing my analysis it was apparent that sales had indeed suffered over the last year. However, much like most of the US they were living beyond their means. This has gotten our country in trouble as well as my client. My client had far more debt than they should have, their expenses were way out of line as compared to the industry averages and most significantly their inventory was ballooned way above the industry average. I reviewed this with the Presidents oldest son and their bookkeeper as directed. We put a plan in place to cut expenses on some items immediately such as cell phones. We also put a plan in place for the bookkeeper to create a report that listed the inventory by date of last sale. I was going to do some further analysis of this data and teach them the process to identify old inventory. We would then create the plan to move it!! I received the data and started the analysis. They had items that had not sold since 1998. (Have you looked at your inventory lately??) Before I was able to create and document my plan of attack the Son of the Owner called me. He shared with me that his Dad was not in agreement with our plan; in spite the fact that Dad had instructed me to work with #1 son and his bookkeeper to create the plan. (Strike One) I called Dad to find out the issue. He went on a tirade on the phone explaining how stupid his son was. I am talking over 45 minutes with me barely getting a word in. I explained that it makes no sense for me to work with his son to create a plan only to have Dad veto it after the fact. I reminded him that I had invited him to attend the meeting, because I had had this very concern, and he declined. We agreed that no future meetings would take place without him in attendance. The next meeting was enlightening. Before the next meeting Dad had instructed me that he wanted me to create an incentive program for his sales team. I shared with him that I could do this, but what about inventory, expenses, which if we were able to get under control could reduce his debt. He committed to me that we would discuss this at the next meeting. However, my main focus should be incentive program. The team met. There were 5 people in the room. At one point in the meeting the brothers were screaming at each other and Dad was trying to talk over the screams. I finally explained with some language that my mother would not be proud of that this was NOT the way to run a business meeting. We need to stop screaming and start working on the issues. We got to the point where we set up the date for the next meeting with To Dos assigned for all of us. The sons left and Dad explained the shortcoming of his sons. The apple had not fallen far from the tree. (Strike #2) The date of the next meeting was fast approaching. I received a call that due to some conflicts they could not make this meeting. We rescheduled. I asked about the progress of the To Dos on their end and Dad told me that he and his sons had not had time to focus on the agreed upon assignments. (Strike #3) Dad assured me that his family will have their To Dos To Done, at our next meeting. The next appointment was at 1PM. The oldest son and bookkeeper were in attendance but Dad was not there. Dad finally showed up 20 minutes later. I began asking question regarding the cut in cell phones-nothing done, # of people on staff-no cuts had been made or identified, what about addressing the reduction in inventory? Dad exploded by telling me that my questions were None of my daXX business! At this point we decided to not work together any further. This story is not about me getting fired. Although I can honestly say, that had they not decided to part company, I was going to suggest it. In fact, I mentioned that if Dad did not want my advice then he should stop wasting his money and my time in the prior meeting. What this is really about is being honest with oneself. Dad never wanted my advice. He felt he knew how to run his business without outside interference. He just needed the banks $$. Dad got me engaged to simply appease the bank. Now what Dad does not know is what the bank will do when he asks for more credit. Our country has had a difficult time the last few years by living beyond our means. Many companies are suffering the same issues. Turning sales around in a time when unemployment is high is NOT impossible but it is challenging. Therefore, to buy yourself more runway/time you need to watch the expense side of your business like a hawk. However, even more importantly you need to insure that your emotional attachment to your business does not cloud your decision making process. Finally, in a family business in particular, if you are grooming a son or daughter to take over eventually he/she needs to gain the knowledge and the confidence to do so. Belittling this son/daughter in front of them or even behind their back does neither. Roger Bostdorff is the President of B2B Sales Boost. He spent over 30 years with IBM in sales and sales management. He then became President/COO of a small internet security company before founding B2B Sales Boost, LLC. B2B Sales Boost, LLC is a consulting company helping organizations improve their sales and overall business processes. Roger is also available for public speaking engagements. 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 sales@ b2bsalesboost.com
MEANS BUSINESS!
Reaching over 23,000 readers in five counties every month
NCBJ readers are decision-makers: Nine out of 10 (91%) "make or have influence over purchasing decisions" for their company
22 June 2013
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Terra State Joins Program to Train 10,000 Older Workers for New Jobs
Terra State Community College was recently chosen to join the Plus 50 Encore Completion Program, a national effort to train 10,000 baby boomers for new jobs in healthcare, education and social services. The program is sponsored by the American Association of Community Colleges (AACC). The college will assist adults age 50 and over in completing degrees or certificates in high-demand occupations that give back to the community. With many adults age 50 and over out of work or seeking to transition to a new career, the program offers skill updates and career makeovers for baby boomers. Terra State offers the following programs: certificates in allied health, office administration medical clerk, medical scribe, home health care and early childhood special needs; associate degrees in health information technology, medical assisting, nursing, medical office administration, physical therapist assistant, health care administration, law enforcement/criminal justice and early childhood; transfer degrees in biology, health information management, social work, psychology and education; and non-credit training for pharmacy technician,
provide feedback. Ty Tracy, a Fremont chiropractor and Woodville Village Councilman participated in the SWOT at Terra to see how he could be a part of Memorial Hospitals future. I was interested to find out what I, as a community member and healthcare provider, could offer as the hospital builds its strategic plan, said Tracy.
state tested nursing aide, CPR and basic life support and Safe Zone. Kathy Berger, who also serves the college as a recruiter, will coordinate the local Plus 50 Encore Completion Program. Many people in our area have experienced outsourcing of jobs, cut backs and downsizing leading to layoffs. Terra State and the Kern Center for Community and Industrial Development take great pride in providing training, she said. Terra State is one of 36 new colleges recently selected for the project. Since 2008, AACC and its network of Plus 50 initiative colleges have worked with baby boomers and helped them prepare for new careers. An independent evaluation of AACCs Plus 50 initiative found that 89 percent of students agreed that college workforce training helped them acquire new job skills, and 72 percent attributed landing a job to such training. The Plus 50 Encore Completion Program is funded with a $3.2 million grant to AACC from the Deerbrook Charitable Trust. The program supports AACCs work to increase the number of students who finish degrees, certificates and other credentials.
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June 2013
23
Law You Can Use: Is Your Home Your Castle? Your Condominium Questions Answered
Q: My condominium is new right now, but what happens when the roof needs repairs, the driveways need resurfacing, and the siding is fading? Is the condo association responsible for the expense, and if so, where does the association get the money to make the repairs? A: Ohio law requires the unit owners association to adopt and amend budgets and to collect assessments for common expenses from unit owners. Unless the condominium organizational documents say otherwise, the code also requires the association to set aside no less than 10 percent of its annual budget to repair and replace major capital items. The owners may decide to waive the 10 percent setaside each year with the approval of a majority of the unit owners. Typically, money put into reserves is used to fund the long-term maintenance of the condominium, including the roofs and roads. If, however, the association does not have the necessary reserves for a major repair, it can pass a special assessment to fund the repairs. Ultimately, the owners must bear the financial costs for major repairs, either through the boards planning for adequate reserves or by special assessments as the need arises. In recent years, reserve studies have been used to more rationally determine the amount of reserves necessary for future maintenance projects. Q: I am going to be a first-time condominium owner. What should I know about the closing process? A: First, consult with your attorney, who will help you draft your purchase contract. Your closing really starts with the contract. If the contract is not right, the entire transaction will be difficult. Buying a condo is different from buying a single family house, and the closing agent is not always looking out for your best interest. Having a knowledgeable attorney assist you should be a priority. Before closing, your attorney will review with you all of the crucial documents that govern your condominium, including the declaration, bylaws and rules of the association. He or she will review the closing statement and inspection reports for the property, and make sure you are getting what you bargained for. Your purchase contract should be contingent on your satisfactory review of these documents, including financial statements and the balance sheet for the association. Your attorney will review the title work with you and advise you about the proper insurance you should have for your unit. Once you are at the closing table, the title company will explain the closing statement, and you will be asked to sign multiple documents including the lenders note and mortgage, which your attorney should review with you. At closing, you will receive the keys to the unit and be asked to put the utilities in your name. You should be able to close your purchase in about an hour if all of the reviews of the closing documents have been done in advance. Q: We have an unruly tenant in our condominium community who is renting the condominium. Is there any way to remove that tenant
Pictured left to right: Christie Sewell, Vice-Chair of the PC Chamber Board; Paul Shaw, PC Chamber Board Member; Jacquie (Couture) Below, Owner; Tonya Couture-Grubb, Owner; Tina (Couture) Schank, Owner; Laura Schlachter, President of Port Clinton Chamber; and Missy Walker, and Main Street Port Clinton Board Member. The Port Clinton Area Chamber of Commerce held a ribbon cutting ceremony for JTs Catawba Caf located at 1871 NE Catawba Road in the Midway Marina Plaza on Friday, May 17. Representatives from the Port Clinton Area Chamber of Commerce congratulated JTs Catawba Caf on their grand opening and for their commitment to the community. The crowd feasted on delicious original Mayhews Donuts.
Pictured left to right: Charlene Kerul; Keith Fleming, Main Street PC Board Member; Dana Bacak-Lynd, Main Street PC Board Member; Roseann Hickman, Main Street Port Clinton President; Amy Ruffing, Owner; Jennifer Shenk, Owner; Lee Vivod, PC Chamber Board Chairman; Laura Schlachter, Chamber and Main Street PC; Missy Walker, Main Street PC Past-President; and John Coppeler, PC Chamber Board Treasurer. The Port Clinton Area Chamber of Representatives from the Port Clinton Commerce and Main Street Port Area Chamber of Commerce and Clinton held a ribbon cutting Main Street Port Clinton congratulated ceremony for Willow located at 130 Willow on their grand opening and E. Second Street in downtown historic for their commitment to the Port Clinton on Friday, May 17. community.
Flickinger Insurance
30 E. Main St. Norwalk, OH 44857 www.flickingerins.com 419-668-4406
24 June 2013
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having children is precisely the time to lean in (assuming that a senior position of authority is part of a womans career goals.) The strides women have made at work in recent years are greater than those made in terms of the workload at home. Whether or not it is the case that women are more naturally nurturing than men, the truth is that men can learn to succeed in nurturing tasks. But and this is important women have to let them. Do it. Their way. Even if it is wrong. Men who lean in to home life greatly benefit their children. We must ensure that men who choose to be available to their families (including to aging parents) are not punished in the workplace. Sandberg is arguing for an end to the double standards at work and at home, but in the meantime she recommends that women find a way to give up the notion of being perfect. Telling personal stories of her own experience with self-inflicted overwork, she urges women to recognize the role our own insecurities are playing when we reach our limit. Better to actively and strategically seek the positions we want than to work ourselves to exhaustion in the hope of being noticed and rewarded. So the work of the feminist movement is not yet complete. Inequality exists and we wont be able to transcend this fact until we acknowledge it and commit to taking collective action. Women need to champion each other and avoid perpetuating the double standards. The simple act of offering validation to one another can be very powerful. Helping another woman embrace her inner leader can advance the cause of all women. The status quo is not acceptable. Weve made gains and yet theres more to be done. TOOLS: The COO of Facebook could hardly write a book without providing readers with webbased opportunities for further study and connection with others. There is a LeanIn Facebook page, a website, www.LeanIn.org, a LinkedIn group with a listserv, and a Twitter account. Sandberg encourages us to form LeanIn circles in our own communities and provides suggestions for getting a group started. Ready to Lean In? Local consultant Cathy Allen is forming a Lean In circle to provide mutual support and assistance to women seeking to move up in their careers and accept leadership roles. For more information, email cathy@ creativeoptionc.com.
This Law You Can Use legal information column was provided by the Ohio State Bar Association (OSBA). It was prepared by Charles T. Williams, Esq of Williams & Strohm, LLC, located in Columbus. For more information on a variety of legal topics, visit the OSBAs website at www.ohiobar.org. Articles appearing in this column are intended to provide broad, general information about the law. Before applying this information to a specific legal problem, readers are urged to seek advice from an attorney.
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June 2013
25
Human Resources
jbryden@ncbj.net
3% Down-No PMI
30 Year Fixed
1-800-589-8850
*EQUAL HOUSING LENDER. MEMBER FDIC. The above rates applies to in house portfolio loans only. 4.282% APR based on $500,000 loan amount; 3% down; 0 point. Program available on PURCHASE of single family owner-occupied homes only. Automatic transfer of payments from a First Federal demand checking donor account required. Payment example: $500,000 loan amount; 4.275% rate; 360 monthly payments of $2,467.02 which includes principal and interest only. RATES AND OFFER SUBJECT TO CHANGE WITHOUT NOTICE.
26 June 2013
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If you or a loved one are having sleep problems, talk with your physician about Magruders Sleep Medicine Center.
419-732-4037
Sleep disorders can disrupt your life in many ways.
A good nights sleep is essential to your health. Stress, trouble concentrating, depression, stroke and artery disease have all been linked to sleep disorders like insomnia, apnea and narcolepsy.
615 Fulton Street Port Clinton, Ohio 43452 magruderhospital.com
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June 2013
27
ProMedica Fostoria Community Hospital Honors Miller and other Nurses during Recognition Event
On The Move
ProMedica Fostoria Community Hospital Nurses celebrated National Nurses Day on May 6 with a Nursing Recognition event. During the event, all nurses were thanked for the care they provide to patients every day and a number of awards were presented. As part of an annual tradition, the Mary Jane Smith Nursing Excellence Award was presented to an outstanding ProMedica Fostoria Community Hospital nurse by Peg Frankart, RN, BSN, MBA, vice president, patient care, ProMedica Fostoria Community Hospital. Melinda Miller, RN, BSN, team leader, outpatient surgery, was named the 2013 Mary Jane Smith Nursing Excellence Award winner. Miller was recognized for her many outstanding contributions to nursing and the community
not only maintain day to day operations but will also be responsible for updates to the web site, advertising sales in the Chamber map, planning the spring banquet as well as Business After Hours and new member recruitment. Balsom will continue to work closely with Lake Erie Shores and Islands and other Ottawa County Chambers of Commerce. Judy Balsom is a native of Bay Village and visited Marblehead for 32 years with her family prior to moving to the area 13 years ago with her husband, Gary. They have a daughter and son-in-law residing in Bay Village as well as a son and two granddaughters in Sylvania. The Marblehead Chamber office is located at 5681 East Harbor Rd. Office hours are 10am-2pm on Monday. Tuesday-Friday 10am-4pm. 419-7349777 www.themarbleheadpeninsula. com
branding.
its not just for the big ranchers anymore.
28 June 2013
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Laura Lay Named FisherNBOH Promotes Three Titus Patient Access Manager
Laura Lay of New London has recently been promoted to Patient Access Manager at FisherTitus Medical Center. In her new role, Lay plans, directs and supervises comprehensive admitting and central scheduling programs. She also maintains, develops, updates and continually improves all admitting and central scheduling procedures with related hospital departments, medical staff and appropriate outside agencies. Lay also oversees the coordination of the customer service program and directs all admitting and central scheduling functions for patients of all ages. Lays 15 years of experience at the Medical Center span the departments of registration, scheduling, switchboard, and information technologies. She has been the trainer/quality assurance coordinator for the registration/central scheduling departments for the last two years. Lay is currently pursuing a business management degree from Liberty University. Thom Dayringer to Senior Vice President and Mortgage Loan Production Manager Dayringer joined the NBOH team in October of 2005, with 36 years of banking experience. His office is located in the Fremont Loan Production Building on State Street in Fremont. Scott Sprouse to Vice President/Cashier DAYRINGER SPROUSE Sprouse joined the NBOH team in August of 2010. His office is located in the Administrative Building next to the NBOH banking office in Oak Harbor. Nicki Collum to Assistant Cashier Collum, with 11 years of banking experience, joined the NBOH staff in January of 2013. Working in the Oak Harbor banking office, she serves as Head Teller and Trainer for the teller staff. COLLUM
On The Move
Fisher-Titus Respiratory Therapists Angela Feltner (from left), Tania Bergstedt, Rebecca Gremmer and Amy Perez display the Pulmonary Medicines recent Quality Respiratory Care Recognition (QRCR) award. Fisher-Titus is the only area hospital to receive this award since its inception in 2003.
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June 2013
29
On The Move
Back Row: Bill Back, MD, Robert Secor, MD, James Rosso, MD, David Jump, DO Front Row: Evillo Domingo, MD, Nancy Verhoff, MD, Alison Winans, PA-C, Alicia Rendon, CNP
mercyweb.org
Members of Mercy Medical Partners
St. Anne St. Charles St. Vincent Childrens Defiance Tiffin Willard
2012 Mercy
30 June 2013
NCBJCommHospice_08_12.pdf
8/20/12
5:37:24 PM
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With Community Hospice Care, its not the destination, but the journey that matters
Rebecca S. Shank, R.N. Executive Director
Not for Profit - No Patient ever receives a bill for our care
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On The Move
Christopher D. palmer
(419) 465-4611
established 1962
employee owned
800.875.2017 | www.adenacorporation.com
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Business Advisory Services u Business Valuation Services Litigation & Accounting Fraud Support u Tax Return Preparation Account & Financial Reporting u Bookkeeping and Payroll Let us know how we can help your business. Visit our website at pncpa.biz or call one of our two convenient locations. Norwalk: 419-668-2552 Sandusky: 419-625-4942
419-732-2030 slatersmadisonstreetpub.com
32 June 2013
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Art Maines
Ellie Polter
Maria Sanchez
Trauma-certified nurses Board-certified emergency care physicians On-staff physician specialists in fields such as critical care, pediatric infectious disease, orthopedics, pediatrics, pulmonology and many others
Nationally recognized x-ray, CT, MRI and other imaging services 24/7 nationally accredited laboratory services Stroke care, personal injury care and much more
To read about the emergency care experiences of these community members, visit
memorialhcs.org/patient-stories