POSTMASTER:TIMELY MATERIAL. PLEASE EXPEDITE.

Celebrating 19 Years of Service

NOVEMBER 2013 Vol. 19 No. 11
Published and Owned by Schaffner Publications, Inc.

Standard Mail U.S. Postage Paid Tifn, OH 44883 Permit #88

The Business Voice of Erie, Huron, Ottawa, Sandusky and Seneca Counties

INSIDE THIS MONTH

CHAMBER CALENDARS ........ 8 TAXES: Additional Medicare Taxes.... 9 INSURANCE: Fire Extinguishers and Safety..................11 ESTATE: 529 College Savings Plans...................15 HR: Being Held Hostage?. .............21 WELL-BOOKED BUSINESS............24 SALES: Setting Business Goals. ....25 LEGAL: IRAs and Charities..............26

Tifn: A Community on the Move

Submitted by Aaron D. Montz, Mayor, City of Tifn The city named after Ohios rst Governor has seen the economic situation improve signicantly over the last year in this historic Ohio city. The downtown has gradually begun to ll with new businesses and restaurants as a new emphasis has been placed on downtown redevelopment. In fact, the local Chamber of Commerce has held a record number of ribboncuttings in the downtown in the last year. Things are happening and happening fast in downtown Tifn. My Administration has placed focus on new tactics to increase development throughout the City of Tifn. Recently, the city purchased several buildings in strategically important locations along the citys riverfront area in the downtown. The plans are to raze the dilapidated structures to create shovel ready sites for business development as well as a riverfront amphitheater for summer concerts. Recent downtown additions include Anyas Antiquities and Oddities, which at any given time includes antique items from more than fty different countries across the globe. Another unique downtown addition has been Phoebes which is a gluten-free restaurant coupled with a gluten free grocery store. Hundreds of different healthy eating and drinking options line the shelves in the store ready for purchase at reasonable prices. The downtown health trend continued recently with the opening of Connxtions Nutrition Studio which features full meal replacement shakes as well as daily workout routines for residents. Nutrition classes can be seen frequently working out in the center of Courthouse Square and other places in downtown Tifn. local attitudes and a plan of action to address all of these A marketing plan that incorporates the latest in technology and decision making in regards to business expansions and the new site selection processes A willingness to invest in yourself rst, rather than relying on some outside forces to solve your problems A responsible group to carry all of this out It has been estimated there are over 10,000 economic development organizations located throughout the United States, all vying for the same business opportunities. So the competition is stiff and failure to perform at a high level can lead to long term economic
Marblehead Peninsula Chamber of Commerce Milan Chamber of Commerce

FOCUS

ON

TIffIN

AND

SENECA COUNtY:

Many current downtown businesses have seen an uptick in sales due to increased trafc. Phat Cakes Caf is now

See TIFFIN, Page 2

disaster for communities. Thirty years ago, we realized something needed to change in Seneca County and the City of Tifn. A group of local leaders from the private and public sectors came together and organized the Seneca Industrial & Economic Development Corp.(SIEDC), a 501 (c) (3) not for prot economic development corporation. Since its creation, SIEDC has served as a catalyst for the public and private sectors to leverage its resources in numerous ways to lay a ground work for growth in the local economy: Investment in infrastructure Incentives for business to expand and/or locate in our community

Pride and Progress

Submitted by Rich Focht, President and CEO Seneca Industrial & Economic Development Corporation Economic Development like politics is local. Even though there may be national, state and regional trends that are driving the economy in some way, growth for local economies begins at home. Communities need to have an effective economic development strategy that focuses on several key points: A solid retention and expansion program for existing business (understanding the 80-20 rule) An understanding of your economic strengths, weaknesses, trends, and

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Bellevue Area Chamber of Commerce

See PRIDE, Page 2

Vermilion Chamber of Commerce Willard Area Chamber of Commerce

Were a proud member of the following:

Elmore Chamber of Commerce Fostoria Area Chamber of Commerce Genoa Chamber of Commerce Huron Chamber of Commerce Huron County Chamber of Commerce Oak Harbor Area Put-in-Bay Chamber Chamber of Commerce of Commerce Port Clinton Area Chamber of Commerce
Chamber of Commerce

Chamber of Commerce Erie County Chamber of Sandusky County of Commerce

Seneca Regional

November 2013

North Coast Business Journal

In just the last year, more than 400 jobs have been created in the manufacturing industries in Tifn, spearheaded by Toledo Molding & Dye adding over $8 million worth of new equipment to their facility and more than 100 jobs. Webster Industries, which specializes in chains from elevators to roller coasters, has added 76 jobs in the past year. Ameriwood has increased in size by 73, National Machinery has invested $5 million in new equipment and an additional 55 jobs, Taiho added 40,000 square feet to their facility as well as 45 additional employees, Jacobson Manufacturing also added 40,000 square feet and 21 positions and the list goes on. Heading into 2014, American Fine Sinter has plans to add $14 million into their facility in the Eagle Rock Business Park which will create signicant new jobs for the Tifn community. They have also just recently purchased an additional 7+ acres of land for a phase two expansion that will be soon coming. Tifnites have many reasons to be proud of the additions American Fine Sinter has made, and will make, into Tifn. The City of Tifn has seen a tremendous turnaround in the last two years. The City budget looks the healthiest in years, and most importantly, Tifnites are back to work. Many pro-growth policies have helped with private sector development. In an effort spearheaded by City Hall and The Chamber of Commerce, Tifns confusing and limiting sign code has undergone a

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remake to make the code much more comprehensive and business friendly. Other signicant efforts by City Hall have helped produce early results. A Jobs Creation Tax Credit was established by the City for any newly created jobs. The hope is that employers will hire additional employees knowing they will receive tax breaks for the newly created positions or potentially move jobs to the City of Tifn. A second initiative was the establishment of the City of Tifn Revitalization District. The District now allows for Tifn to obtain an additional 15 liquor permits to entice new restaurants to locate in the community while allowing current restaurants who do not have liquor permits the ability to purchase a license and increase their business. Tifn is certainly a community on the move. The economic development listed above is only a portion of all the positive news in Tifn. Both of the universities are seeing increases in enrollment, even as the number of graduating high school seniors decreases in Ohio. Heidelberg University recently unveiled the new Sauerwine Health and Wellness Center as well as a full re-make of their lower campus. Not to be outdone, Tifn University completed the Heminger Center which features an indoor football practice eld, classrooms and a full sized track. Tifn University has also announced plans to expand their campus library in 2014. This is one city that is certainly on the move upward.

TIFFIN, from Page 1

offering a top notch dinner menu in addition to their usual deli style paninis, salads, soups, and massive cheesecakes and cupcakes. Just across the street, Bailiwicks Coffee Company has increased stafng and expanded hours due to strong demand from the community. Bailiwicks features a wide variety of coffee and teas and has become a strong sponsor of local activities in their short time in Tifn. The commercial sector is quite active in other areas beyond just the downtown in Tifn. Advanced Auto Parts, Rural King, Ag Credit, Label Shopper, Padrones Pizza, Forrest View Bed & Breakfast, Ro Ro Design, and more have opened their doors in Tifn within the last year. Buffalo Wild Wings, Dunkin Donuts and OReilly Auto Parts have all made announcements that they intend to locate in Tifn sometime in 2014. The commercial sector has been the most active we have seen in years and we see no reason for that trend to slow anytime soon. If the commercial sector is busy, then Tifns industrial base has been going gangbusters. There is a new feel to the industrial sector of Tifns economy that was lacking over the last several years: expansions and hiring is at an all-time high.

PRIDE, from Page 1

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 Account Executive Accounting Manager Layout &Graphic Design Circulation Manager 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

Investments in new buildings Investments in browneld clean-ups Agreements for shared revenue and annexation Investment in a downtown plan Retention and expansion of our local businesses Marketing and recruitment of new companies Today we are seeing exceptional results from these efforts. From January 2012 to September 2013 we have witnessed the following expansions in our manufacturing base: Jacobson Manufacturing (40,000 square feet of new building, 30 new jobs); Toledo Molding & Die Company ($8 million in new equipment and100 new jobs); Taiho Corporation of America ($13 million in building and equipment-40,000 square of new building and 45 new jobs); Laminate Technologies ($1.7 million in new building and equipment-25,000 square feet of new building and 10 new jobs); Arnold Machine, Inc.($800,000 in new building and equipment-15,000 square feet of new building and 10 new jobs); American Fine Sinter Company ($14 million in new building and equipment-30,000 square feet of building-purchase of 7+ acres for future expansion); National Machinery, LLC ($16 million in new equipment and 55 new jobs); Webster Manufacturing ($1million in building expansion and 76 new jobs); Ameriwood Industries, OEM (73 new jobs); Tifn Metal Products (20 new jobs). In addition there have been a number of retail

NorthCoast Business Journal is owned and published monthly by Schaffner Publications,Inc., and is mailed free to chamber of commerce members in a ve-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.

additions and expansions: Bunkys Bicycle Service, LLC, Connxtions Nutrition Studios, Elite Sports Academy, Forrest View Bed and Breakfast, G&H Trading Co, LLC, Padrones Pizza, Phat Cakes, Phoebes RoRo Design, LLC, Technical Fashionz, Upcycle Inc, ServPro, Landing Point Financial Group, Rural King, Advance Auto Parts, Bailiwicks Coffee Company, Coppus Motors, Inc, Ag Credit, Select Realty Group, LLC, Great Clips, and Nye Gas Company. We are also blessed to have two growing and dynamic universities in our community. This past year Heidelberg University added the Saurwein Center, a $4.3 million investment, to offer programs for health and tness for the students and community alike. Tifn University opened the Heminger Center, a $13 million state of the art athletic facility that houses indoor track and football and is able to host campus and civic activities. There are many bright people in our community and throughout our region who are working hard to improve our economy and create opportunities for a higher standard of living for our citizens. In Tifn and Seneca County, we remain committed to a cooperative effort between leaders in the public and private sector that focuses on our goal of sustained economic growth. As our numbers show, those efforts are bearing fruit.

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Heminger Center (new) Hertzer Technology Center (new) Hayes Center for the Arts (new) Wrestling practice building (new) Maintenance operations building (new) Golf/club & recreational sports building (new) Hanson Fitness Center (renovated) Leased classrooms in former St. Marys School Miami/Jackson streetscape beautication Acquisition of former Pettibone property

North Coast Business Journal

Four student apartment buildings (new) Residence hall (new) Murphy Academic Support Center (new) Outdoor track (new) Nature preserve (new) Cole Dining Hall (expanded) Science laboratory building (renovated) Additional parking lots Acquisition and remediation of former scrapyard Landscaping enhancements

November 2013

TIFFIN CAMPUS

IMPROVEMENTS

2003-2013 A DECADE OF PROGRESS

FUNDRAISING CAMPAIGNS
19 NEW STUDENT SERVICES & PROGRAMS
University Health Services Student Newspaper Disability Services Student Retention Wellness and Counseling Programs Services Campus Safety Program Equestrian Team Theatre Program Washington Center and Womens Lacrosse Team Semester Programs Womens Golf Team Freshman Honors Program Mens and Womens Club and Recreational Swimming/Diving Teams Mens Wrestling Team Sports Program Student Success Coaching Music Performance Groups Program Athletic Program Membership in NCAA Division II and Great Lakes Intercollegiate Athletic Conference

COMPLETION OF TWO MAJOR

Master of Education Master of Humanities Bachelor of Science Associate of Arts

4 NEW DEGREES

Masters Degree Concentrations

22 NEW 35 NEW 36 NEW 13 NEW

Bachelors Degree Majors and Concentrations

Undergraduate Minors

Graduate Certicate Programs

INCREASE OF 427% IN VALUE OF NET ASSETS

$7.1 million to $37.9 million

155 Miami Street, Tifn, Ohio 44883 800.968.6446 www.tifn.edu

November 2013

North Coast Business Journal

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CLEVELAND CLINIC SPINE SURGERY

Don K. Moore, M.D. Board Certied Orthopaedic Surgeon

Announcing:

Seneca Regional Chamber of Commerce Presents Annual Awards

By John Detwiler President & CEO Each year at the annual meeting of the corporation, the Seneca Regional Chamber of Commerce and Visitor Services presents two signicant awards. Nominations are open to any member of the community with the winners being selected by a committee consisting of previous award recipients. The Womens Career Excellence Award honors women who strive toward the highest levels of professional accomplishment, who excel in their chosen eld, have devoted time and energy to their community in a meaningful way, and who also open paths so that others may follow. This years recipient is Shirley L. Smith, Director of the Family Counseling Center in Tifn. Shirley has a long history of c o m m u n i t y involvement since coming to Tifn in 1963. Originally she was trained and worked as a Med Tech at the Seneca County Health Department. She worked in Home Health at Mercy Tiffin Hospital, managing and scheduling home care nurses. She continues as a case worker for CASA as well as a Direct Care volunteer with Hospice. She was the rst female member of the Tifn Kiwanis Club and served as board member, vice-president, president and Lt Governor. She was recognized for distinguished service in 1996, the highest honor possible. A former president, Shirley continues to serve on the Kiwanis Manor board. During the years she managed a professional career and contributed her time, energy and skills to the community, she also raised a family for four successful children and has had over fty years of marital bliss. She has managed to nd a balance between home, work and community that many women would wish to emulate. The Outstanding Citizenship Award honors an individual who has proven themselves to be an extraordinary

at Fisher-Titus

About Dr. Moore

Medical Director, Cleveland Clinic Spine Surgery at Fisher-Titus Staff, Cleveland Clinic Neurological Institute Orthopaedic Spine Surgery Fellowship, University of Wisconsin, 1996-97 Orthopaedic Trauma Fellowship, Chur, Switzerland, 1996 Doctor of Medicine, University of Michigan Medical School, Ann Arbor, 1989

World-class spine surgery services are now available to our region.

Fisher-Titus and Cleveland Clinic have afliated to provide the advanced spine surgery procedures for conditions such as disc herniations, spinal stenosis, and a variety of back and neck disorders. Patients can now receive the treatment they need from Cleveland Clinic Physician Don K. Moore, M.D. without leaving their local community. Dr. Moore brings years of experience and advanced training to Fisher-Titus and is backed by the resources and best practices of the Cleveland Clinic spine surgery program. Dr. Moores ofce is conveniently located at 34 Executive Drive in Norwalk. Appointments can be made by calling 419-660-0198.

asset to the Tifn community. The award is presented to an individual who has experienced great personal success in their chosen profession, is active throughout the community through volunteerism and community service and also exhibits outstanding personal qualities. This years recipient is soonto-be retiring Richard A. Focht, President and CEO of SIEDC (Seneca Industrial and E c o n o m i c Development Corporation). Born and bred in Tifn, a graduate of Baldwin-Wallace University and a US Army veteran, Richs career took him through his fathers construction business, City of Tifn Administrator and SIEDC CEO for the past 23 years. Of the many highlights during that 23-year span included the development of not one, but two industrial parks (NorthStar and Eagle Rock); renovation of the historic Shawhan Hotel into a senior living facility; retention and expansion of several companies, among them Toledo Molding and Die, now the areas largest employer as well as several browneld projects. During Richs stewardship, Tifn was the rst community to receive the Red Carnation Award presented by the Ohio Development Association for its outstanding economic development program. Tifn was also recognized as one of the 100 Best Small Towns in America by Site Selection Magazine and as one of Ohios growth communities by Ohio Magazine. Finally, the City of Tifn and SIEDC received the Governors Award for Excellence in Economic Development from the State of Ohio for the redevelopment of the Shawhan. Over twenty years ago the Chamber initiated a program of recognizing ordinary people in our community who have done extraordinary things. Its only tting that as a capstone to a remarkably positive and productive career that we honor Rich for a job well done.

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North Coast Business Journal

November 2013

Mercy Tifn Hospital Celebrates New Initiatives, Reects On History

Mercy Tifn Hospital is celebrating new initiatives and reecting on the hospitals heritage. Mercy Tifn has experienced significant growth, including the establishment of a Low Risk Catheterization Lab within the hospital, the development of a partnership to create a new community nature preserve, welcomed new providers and a series of events centered around Mercy Tifns 100th year of service to Tifn and the surrounding area. Mercy Community Nature Preserve Mercy Tifn Hospital and the Seneca County Park District partnered to create the Mercy Community Nature Preserve, which opened to the community and general public in April 2013. The Mercy Community Nature Preserve is located on a 22-acre wooded lot on the Mercy Tifn Hospital healthcare campus. It features walking trails within the nature preserve and hopes to offer nature education programming. A Mercy Community Nature Preserve Fund has been established through the Tifn Charitable Foundation to assist with future maintenance and development of the nature preserve. welcomed Urocare Associates providers Thomas Zaciewski, MD and Jennifer Perry, PA-C to Tifn. 100 Years of Healthcare in Seneca County Mercy Tifn Hospital has spent the last year celebrating its 100th Anniversary. The year-long celebration began on Thursday, October 4, 2012, with a Mass of Celebration within Mercy Tifn Hospitals McMullen Conference Center and concluded with a Mass of Celebration at St. Mary Catholic Church on September 15, 2013. Father Gary Walters, Pastor at St. Mary Catholic Church, presided over both liturgical ceremonies. On October 5, 1912, ground was broken for the original Mercy community hospital on seven acres of land on West Market Street in Tifn, purchased from Miss Emma J. Bowe. Mercy Tifn remained at this location for the rst 95 years of its history. Although many things have changed since 1912, our mission remains the same, said Lynn. For the last 100 years, the staff of Mercy has dedicated itself to the sick and injured of this community, caring for all regardless of their ability to pay.

Low Risk Cardiac Catheterization Lab Open One Year! Mercy Tifn Hospital has held Mercy Tifn Hospital is celebrating the special events and created unique one year anniversary of the Low Risk ways to celebrate its anniversary Cardiac Catheterization Lab, opened in throughout the year-long celebration: October of 2012. This 1,500 square foot A Historical Marker was unveiled and facility was constructed within the blessed during the opening Mass in hospital. October. Following the blessing, the Dr. Steven Bruhl, Cardiologist at Mercy Historical Marker was placed on the Tifn Hospital, and Dr. Gregory Vigesaa, lawn near the front entrance of the Cardiologist at Mercy Willard Hospital, hospital. were the rst physicians to utilize this Mercy Tifn created a traveling new low risk cardiac catheterization lab. exhibit that consisted of four display The lab will provide patients with more panels. The exhibit was unveiled in convenient access to high quality January 2013 during a Chamber After services at a Mercy facility that is closer Hours and has been displayed at to home. hospital events as well as at local businesses and universities. The New Cardiologist exhibit was displayed through the Mercy Cardiology Specialists welcomed end of September. Dr. Stephen Lenehan to the Mercy A special 16-page insert ran in the family earlier this year January issue of the Catholic Dr. Lenehan brings 25 years of Chronicle featuring the 100th cardiology expertise to Mercy. He earned Anniversary of the Sisters of Mercy a medical degree from The Ohio State and Mercy Tifn Hospital. University in Columbus, Ohio, An authentic Heritage Tea was held completed an Internal Medicine on December 12, 2012, which is Residency and Internship at Riverside Founders Day. On December 12, Hospital in Columbus, Ohio and 1831, Catherine McAuley, Foundress completed a Cardiology Fellowship at of the Sisters of Mercy and two the Cleveland Clinic in Cleveland, Ohio. associates professed their religious New Urology Providers vows as the rst Sisters of Mercy, Mercy Tiffin Hospital recently thereby beginning the ministry of

the Sisters of Mercy. To acknowledge Through the commitment of our and appreciate our heritage, Mercy Sponsors, The Sisters of Mercy, and the Tifn recognizes Founders Day on laity who today still follow in their December 12 each year. Employees footsteps, the mission of Mercy that and guests enjoyed a cup of tea began here 100 years ago has been, and throughout the day. will continue to be, preserved, said Mercy Tifn placed the cross from Lynn. We rededicate ourselves to the the original Mercy Hospital above continuation of this mission for the the Emergency Care Center entrance next 100 years and beyond. at the new facility in May 2013. Board members, employees and physicians attended the dedication ceremony. Cookies in the shape of a cross Family Owned and Operated Since 1933 were distributed to all in attendance at the Serving Commercial & Industrial Accounts ceremony and then to In NW Ohio all employees to celebrate this Specializing in: signicant event. In July 2013, the STANDARD ARCHITECTURAL & MULTIcornerstone from the COLOR COATINGS original Mercy Hospital was placed in the WOOD FINISHING middle of the outdoor VINYL WALLCOVERING dining area, laid within the patio stones. WATER REPELLENT COATINGS Physicians, employees and volunteers TWO COMPONENT EPOXY & URETHANE submitted prayers to SYSTEMS be included in a special prayer book celebrating WATER AND SAND BLASTING 100 years of dedication to the mission. The Professional Painting Pays prayer book was printed and distributed 419-332-1363 Toll Free 800-797-6252 at the conclusion of 446 N. Wood St., Fremont, OH 43420 the 100th Anniversary www.maypainting.com celebration.

MAY PAINTING INC.

November 2013

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2013: A year of Growth for Seneca County

On Behalf of Seneca County Commissioners Jeff Wagner, President of the Board The Seneca County Commissioners have had a very exciting year in 2013. On top of the list is the completion of a much needed juvenile detention facility. For many years we were using a building that was an orphanage in the 1950s and had been cobbled into a makeshift juvenile detention facility. It did not meet many of the state standards, but was grandfathered in. After many years of planning by the Juvenile Judge, State Dept of Youth Services, County Commissioners and others construction on the new nearly 2 million dollar facility began last year and was completed in early 2013. The new facility is state of the art and has 24 individual units for juveniles. This allows Seneca County to cooperate with neighboring counties and house some of their youth as well. Another great addition to Seneca County we are quite proud of is the brand new Seneca County Agency of Transportation (SCAT) facility. This new state of the art building was also a collaboration of several agencies including the State of Ohio, SCAT Board and the County Commissioners. SCAT provides low cost public transportation to the residents of Seneca County to nearly anywhere they need to go including trips outside of the State. The new facility allows for room to store vans inside and more efcient use of space for operations. This building much like the juvenile facility was stared last year and nished in early 2013. The Commissioners have also begun the process of investing over 1 million dollars into energy improvements to our existing buildings. These improvements are meant to pay for themselves over approx 8 years in energy savings. We also completed major construction on a new sewer project in the village of Bascom. Bascom had been under orders from EPA for several years. Completion of a new treatment plant and trunk lines were nished this summer with approximately 42% being obtained as grant funding. Now the individual homes will be tied in during the

Design/Build Development Commercial/Retail Educational Industrial/Warehousing Manufacturing Offices Healthcare Senior Care Worship Facilities Metal Buildings
5505 Milan Road, Sandusky, Ohio 44870 Phone: (419) 626-1111 Toll Free: (888) 904-4600

coming year. Looking ahead to 2014 and beyond some exciting projects are taking shape. We are currently working as a coalition with 3 of our neighboring counties to encourage the Ohio Department of Transportation (ODOT) to do significant improvements to State Route 53 that goes through all 4 of our counties. Currently ODOT has agreed to a preliminary study on the SR 53 corridor. ODOT will pay for half of the study and the 4 counties along with private business will pay for the other half. We are very hopeful this study is just the beginning of much needed safety improvements along the SR53 corridor and hopefully some new economic development from an improved road. We are also working on a cooperative

venture with the city of Tifn on a possible new Justice Center. Currently Seneca County is in need of some updated court space. The city of Tifn is also looking for updated space for their municipal court. Together we are exploring the possibility of erecting one building to meet the needs of both entities. It is still being studied, but it makes a lot of sense to combine efforts to reduce utility, security and other costs verses having 2 separate facilities. We are also setting aside some money each year for a future justice center. I look for that project to take shape over the next couple of years and a new facility shortly after that. We feel that Seneca County is a great place to live and that the enhancements of the past year and plans for the future will help that to continue.

www.telamonconstruction.com

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North Coast Business Journal

November 2013

Students Learn About Business through Technology

Tifn, like most communities, is always trying to nd ways to increase its number of small businesses. This endeavor requires helping future business owners understand how to design a business plan and determine how to efciently manage the business, once started. A software program called GoVenture Entrepreneur is providing students the opportunity to experience what it would be like to be a small business owner. The students oversee all aspects of their business from hiring employees to maintaining inventory. Simulations can be run in a period of minutes or over several days. The student makes the choice. Best of all, there is no penalty for failure. If their business does not succeed, they can try again! Stacey Roth, Tifn Columbian High School Business Teacher, purchased this highly visual and realistic software to engage students in the day-today operation of their own business. It helps them understand the many responsibilities that are inherent in owning a business. While using GoVenture Entrepreneur, numerous real life business and personal tasks occur at random times. Students learn to negotiate compromises to reach success in the business world. They will learn how important it is to take care of themselves to reduce illness and work-place accidents. This experience helps students see the risks and rewards of starting their own business. The Columbian business lab has 30 computers that allow students to work on various activities including Startup, Product Management, Facilities, Marketing and Sales, Accounting and Finance, Financial Literacy, Economics Concepts, Law and Ethics, Math Concepts, and Career and Life Skills. Learning guides and activities enhance the software. Miss Roth had the following to say about the program: What I love about incorporating the game into the classroom is the conversation it sparks. It is fun to hear the students entrepreneurial spirit evolve. I heard a group of students comparing the types of workers they would hire, the qualities they would look for, the pay and incentives they would offer, and the hours their employees would work. The one element that students struggle with, both in the simulation and in real life, is the balance of work and social life. This game provides an ideal environment for students to make mistakes and learn how to work through them. They will learn that entrepreneurship requires a lot of responsibility. To be successful, they must learn to care for their employees, their customers, their family and themselves. In this day and age of technology, sometimes the best way to teach students is to incorporate business into the classroom, speak their language and put them in control of their own business.

For more information, please contact Mark Verroco, Principal, Columbian High School at 419447-6331, or mark_verroco@tifncityschools.org or contact Stacey Roth at the same phone number or email stacey_roth@tifncityschools.org.

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Chamber Calendars for November

Bellevue Chamber of Commerce
9 A Night at the Races Bellevue Eagles Hall Doors open at 5:30 p.m., Dinner at 6:00 p.m., For information, contact the Chamber Retirement Plan Design Seminar; 8:00 am Chamber Ofces 20 21 Education Committee, 8am, Chamber ofce Safety Council, 7:30am, Norwalk High School, RSVP reqd 19 20 21 Ambassador Committee 8:30am Walleye Festival Committee 8:30am Main Street PC Board meeting

12

Marblehead Peninsula Chamber of Commerce

7 Directors Meeting Danbury Township Hall 7:00 pm Business After Hours 5 to 7 pm Howard Hanna, Emilys GSE Jewelry and Newport Dry Goods

Sandusky County Chamber of Commerce

6 Membership & Marketing Committee at 3:00 p.m. Chamber ofce. BAH Sneak Peak Terra State Community College 5-7 p.m. Terra State Community College Ribbon Cutting, 11a.m. Health & Wellness Committee at 2:00 p.m. Agriculture Committee 7:30 a.m. Chamber ofce.

Erie County Chamber of Commerce

19 Business After Hours Mad River Harley Davidson 5:15 p.m. Breakfast of Champions, Eugene Miesler, CEO of Toft Dairy, Plum Brook Country Club.

21

13

TBA

Oak Harbor Chamber of Commerce

7 Business Over Breakfast HR Updates Michelle Ish 7:30am-9:00am VFW Memorial Hall $10.00 per person Hot breakfast and presentation. Board Meeting 7:30am Chamber Building

14

18 19 26

Genoa Chamber of Commerce

14 Chamber board meeting 7:30 am @ Rayz Caf Annual Dinner 6:00pm @ Genoa Fire Hall 22-23 27 Genoa Holiday Open House Genoa Civic Theatre Board Meeting 7:00 pm 21

Ambassador meeting 8:00 a.m. Hall & Wylkan ofces.

Seneca County Chamber of Commerce

9

Port Clinton Area Chamber of Commerce

7 Economic Restructuring Committee 8:30am Business After Hours Youngs 5:00pm-7:00pm 8 11 12 13 14 Benets Committee 8:30am Chamber Board 8:30am Design Committee 8:30am Regional Business After Hours Terra 5:00pm-7:00pm Main Street PC Board Strategic Planning 7:30am 12:00pm

Huron Chamber of Commerce

14 Grand Opening After Hours 5-7 p.m. Lucky Stone Gifts & Promotions and The Uniform Place

Northwest Ohio Glass Show & Sale 10 am - 5 pm on Saturday. 10 am - 3 pm on Sunday. Community Civic Center Small Business Basics Seminar 9:30 am to 11:30 am. Free, two-hour seminar Communityroom, Chamber Register at 800-826-2431 Ambassador Meeting Noon, Chamber Seneca County Human Resource Association 11:30 am. Lunch Meeting St. Francis Home, November Speaker: Kitty Brandal, Terra Community College; Cash Mob Krogers Tifn Area Safety Council 11:30 am at Moose Lodge 946

13

Huron County Chamber of Commerce

7 12 Program Committee, 8am, Chamber ofce Social Media Seminar Stephen Chiles, 10-11:30am, free, RSVP please, 419-668-4155 Membership Committee, 8am, Chamber ofce Board of Directors, 4pm, Chamber ofce

15 19

13 14

20 26

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North Coast Business Journal

November 2013

Additional Medicare Taxes for High Income Taxpayers

By: Jeff Rosengarten, CPA, CFE Payne, Nickles and Company Starting in 2013, high-income taxpayers will face two new taxesa 3.8% Medicare contribution tax on net investment income and a 0.9% additional Medicare tax on wage and self-employment income. Heres an overview of the two new taxes and what they will mean to you. 3.8% Medicare contribution tax. This new tax will only affect taxpayers whose adjusted gross income (AGI) exceeds $250,000 for joint lers and surviving spouses, $200,000 for single taxpayers and heads of household, and $125,000 for a married individuals ling separately. These threshold amounts arent indexed for ination. Thus, as time goes by, ination will cause more taxpayers to become subject to the 3.8% tax. Your AGI is the bottom line on Page 1 of your Form 1040. It consists of your gross income minus your adjustments to income, such as the IRA deduction. If you claimed the foreign earned income exclusion, you must add back the excluded income for purposes of the 3.8% tax. If your AGI is above the threshold that applies to you ($250,000, $200,000 or 125,000), the 3.8% tax will apply to the lesser of (1) your net investment income for the tax year or (2) the excess of your AGI for the tax year over your threshold amount. This tax will be in addition to the income tax that applies to that same income. Take, for example, a married couple that has AGI of $270,000 for 2013, of which $100,000 is net investment income. They would pay a Medicare contribution tax on only the $20,000 amount by which their AGI exceeds their threshold amount of $250,000. That is because the $20,000 excess is less than their net investment income of $100,000. Thus, the couples Medicare contribution tax would be $760 ($20,000 3.8%). Now assume that the couples AGI was $350,000. Because their AGI exceeds their threshold amount by $100,000, they would pay a Medicare contribution tax on their full $100,000 of net investment income. Their Medicare contribution tax would then be $3,800 ($100,000 3.8%). What is net investment income? The net investment income that is subject to the 3.8% tax consists of interest, dividends, annuities, royalties, rents, and net gains from property sales. Income from an active trade or business isnt included in net investment income, nor is wage income. However, passive business income is subject to the Medicare contribution tax. Thus, rents from an active trade or business arent subject to the tax, but rents from a passive activity are subject to it. Income from a business of trading nancial instruments or commodities is also included in net investment income.

Taxes

Income that is exempt from income tax, such as tax- spouses combined wages. For example, suppose that exempt bond interest, is likewise exempt from the a married couple earns combined wages of $300,000 3.8% Medicare contribution tax. Thus, switching in 2013. On a joint return, they will pay Medicare tax some of your taxable investments into tax-exempt of $3,625 ($250,000 1.45%) on their rst $250,000 bonds can reduce your exposure to the 3.8% tax. Of of wages and $1,175 on their combined wages the course, this should be done with due regard to your excess of $250,000 ($50,000 2.35%), for a total income needs and investment considerations. Medicare tax of $4,800. Home sales. Many people have asked how the 3.8% Once an employees wages reach $200,000 for the tax applies to home sales. If you sell your main home, year, the employer must begin withholding the you may be able to exclude up to $250,000 of gain, or additional 0.9% tax from the wages. However, this up to $500,000 for joint lers, when guring your withholding may prove insufcient if the employee income tax. This excluded gain wont be subject to additional wage income from another job or11:01 if the A Dechas 3 Abdoo RE Northcoast:Layout 1 10/28/13 the 3.8% Medicare contribution tax. employees spouse also has wage income. To avoid However, gain that exceeds the limit on the exclusion will be subject to the tax. Gain from the sale of a See TAXES, Page 24 vacation home or other second residence, which doesnt qualify for the income tax exclusion, will also be subject to the Medicare contribution tax. For example, say that a married couple has AGI of $200,000 for 2013 and in addition sold their main home for a $540,000 gain. The couple qualied for the full $500,000 exclusion of gain on the sale, leaving only $40,000 of taxable gain. As a result, the couple wont be subject to the 3.8% tax, because their total AGI ($200,000 + $40,000) will fall below the $250,000 threshold. Bare Corner Lot But if the gain on the home sale was $680,000, of which $180,000 was taxable, the couple would be subject to the 3.8% tax on $130,000 of the gain. That is the amount by which their total AGI of $380,000 ($200,000 + $180,000) exceeds their $250,000 Downtown Fremont, OH threshold. Retirement plan distributions. Distributions from qualied retirement plans, such as pension plans and IRAs, arent subject to the Medicare contribution tax. However, those distributions may push your AGI over the threshold that would cause other types of Selling at Public Auction: investment income to be subject to the tax. Corner vacant lot Zoned B-1, This makes Roth IRAs more attractive for higherincome individuals, because qualied Roth IRA Central Business District distributions are neither subject to the Medicare 97 frontage on Front Street contribution tax nor included in AGI. Distributions from traditional IRAs will be included in AGI, except 82.5 frontage on State Street. to the extent of after-tax contributions, although they Water, sewer & gas are available. wont be subject to the Medicare contribution tax. Estimated tax. The Medicare contribution tax must Auction Location: Sandusky County Chamber of be included in the calculation of estimated tax that you owe. Thus, if you will be subject to the tax, you Commerce (Side door), 101 S Front St (across may have to make or increase your estimated tax the street from property location). payments to avoid a penalty. I can assist you in Owner: The Abdoo Industrial Services LLC making this calculation. Additional 0.9% Medicare tax on wage and self-employment income. Starting in 2013, some More Info & Terms: Visit the Website high wage earners will pay an extra 0.9% Medicare tax or Call the Office 419-547-7777 on a portion of their wage income, in addition to the 1.45% Medicare tax that all wage earners pay. The WM BAKER & KEN BONNIGSON, CAI 0.9% tax applies to wages in excess of $250,000 for Asst. Auctioneers: Dean A. Smith joint lers, $125,000 for a married individuals ling Andy Kluding, Todd Schling separately, and $200,000 for all others. The 0.9% tax Fred Wolff applies only to employees, not to employers. For joint lers, the additional tax applies to the www.bakerbonnigson.com

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Heidelberg MBA emphasizes general management

TIFFIN Heidelberg Universitys MBA program is coming home. Beginning in the fall semester 2014, the popular program will be offered on the Tifn campus, essentially changing the focus of the program. Previously, the program targeted working adults, said Allen Underwood, director of the MBA program at Heidelberg. Next fall, there will be a much greater emphasis on traditional and international students. We would love to have a good mix of both. To that end, Heidelberg will welcome about a dozen students from Tianjin Normal University in Tianjin, China. Heidelberg and Tianjin Normal University share a long-standing partnership that brings scholars to Tifn each academic year. In exchange, Heidelberg sends a delegation of faculty and students to teach English to TNU graduate students each summer. International students come here wanting to be part of classes with domestic students. They want a good quality education and a good quality cultural experience. At Heidelberg, they will receive both, Underwood said. The MBA program at Heidelberg can be completed in 12 months. Theoretically, undergraduate students who complete their bachelors degrees in May could work through MBA prerequisite courses in the summer if needed, enroll in the MBA program starting in August 2014 and complete the program by the summer of 2015. Heidelbergs MBA degree program was authorized by the Ohio Board of Regents in 1996. The curriculum focuses on general management with emphasis on the development of skills including communication, strategic planning, decision-making under conditions of uncertainty and analysis of quantitative and qualitative data. Regardless of the track they choose, Underwood said Heidelberg MBA students can be assured an outstanding classroom environment, instruction by high-quality and distinguished faculty and strong interaction between domestic and international students. All MBA students are required to complete a practicum through the Heidelberg Business Institute and eld study coursework. Working in small teams, they work in the eld with a faculty supervisor on a business problem with an actual client. Students have direct contact with the client. They conduct research, provide a detailed analysis of the clients business and a useful case/ project report, Underwood explained. In the liberal arts tradition, the eld study experience provides actual hands-on and relevant experience that students can carry with them

With its corporate feel, Adams Hall, completely renovated and reopened in 2009, is home to the Heidelberg School of Business and the MBA program. into the workforce, he added. A Heidelberg MBA provides students with a competitive edge. Research shows that MBA students are more likely to be high performers, well prepared for the challenges of their positions, promoted sooner and paid more on average than their peers. Earning an MBA from Heidelberg will increase employment opportunities and offer career advancement for our students, Underwood said. Our experience is that most employers recognize the benets of employees obtaining an MBA. They know an MBA can make a major difference in long-term management performance. For additional information of the Heidelberg MBA program, contact Underwood at aunderwo@heidelberg. edu.

Special to the North Coast Business Journal

On Oct. 3, Heidelberg University welcomed to campus Dr. Deborah Mielewski, the technical leader of the Plastics Research Group at Ford Motor Co.s Research and Innovation Center. Mielewski, who has been with Ford for 26 years, was the fall keynote speaker in Heidelbergs Patricia Adams Lecture Series. She spent the day on campus in various discussions leading up to her keynote address, Greening the Blue Oval: Sustainability at Ford Motor Co. The spring speaker in the series will be entrepreneur and consultant Cheryl Krueger, founded the multi-million-dollar gourmet cookie and gift company, Cheryl & Co. For information, visit www.heidelberg. edu/patadams. Dr. Mielewski meets informally with Heidelberg students prior to her keynote address

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November 2013

11

Insurance
Fire Extinguishers and Safety: What You Need to Know
Submitted by: Mark T. Reilly For businesses, the risk of a re is a considerable one that can have serious ramifications. According to the U.S. Fire Administration (USFA), there were nearly 85,000 nonresidential res in 2010 totaling $2.4 billion in U.S. property damage. Thats an average of over $28,000 in property damage per re and that doesnt even include indirect losses, like business interruption. Many businesses that suffer a major re either do not reopen or fail within three years of the re. While it is important to have proper re insurance coverage, prevention and preparation are keys to minimizing your risk. Fire extinguishers play an important role in your preparation efforts, and in the event of a re, they could mean the difference between minor damage and a complete disaster. Follow the standards below to ensure that you are prepared to protect your business and employees through the proper use of re extinguishers. Types of Fires There are ve different classications of res. Some re extinguishers should be used specically for only one type of re, while others are effective for multiple types. However, some extinguishers are quite dangerous when used on the wrong type of re. Fire extinguishers should have labels specifying which type(s) of re they are meant to combat. Class A: Ordinary combustibles, such as trash, wood, paper and cloth. Class B: Flammable liquids, such as gasoline, petroleum oil and paint. Also includes ammable gases, such as propane and butane, but does not include res from cooking oil and grease. Class C: Fires from energized electrical equipment, such as motors, transformers and appliances. Class D: Combustible metals, such as potassium, sodium, aluminum and magnesium. Class K: Cooking oils and greases. extinguishers should be fully charged and operable NFPA codes in their own law. The codes are useful at all times and kept in their designated spot when to know and follow for the protection of your not in use. business and employees. Selection and Distribution Many, though not all, of the codes overlap with Fire extinguishers should be selected based on the OSHA guidelines. Here is a summary of some of class of anticipated or possible workplace res. Your the prominent codes: workplace may be vulnerable to multiple types of Like OSHA regulations, NFPA codes specify res, in which case you would need the appropriate that re extinguishers must be placed within extinguisher for each type. Fire extinguishers 75 feet of any person needing access to them. should be placed within a specied distance from The code claries that a ight of stairs cannot any person potentially needing access to them, be included in the 75 feet. In other words, based on class: there must be an extinguisher on every oor. Class A: 75 feet While OSHA states only that extinguishers be Class B: 50 feet mounted so they are readily accessible, NFPA Class C: 50-75 feet gives more specic instructions. If the unit Class D: 75 feet weighs less than 40 pounds, the top of the unit should not be more than 5 feet above the Inspection, Maintenance and Testing oor when mounted; when weighing more The employer must conduct, or have an than 40 pounds, the top of the unit should expert conduct, an annual inspection for each not be more than 3.5 feet above the oor. re extinguisher. Note that stored-pressure NFPA codes require annual maintenance of extinguishers do not require an internal inspection. re extinguishers by a trained professional, OSHA requires that the date of the check must be even for those extinguishers that require only recorded and retained for a year. external maintenance. Stored pressure, dry-chemical extinguishers that NFPA also requires records of all maintenance require a 12-year hydrostatic test should undergo work to be either displayed on a tag on the applicable maintenance every six years. extinguisher, kept in a le or maintained electronically. Hydrostatic Testing Portable extinguishers should undergo hydrostatic For a full list of NFPA codes and standards, you testing according to the appropriate interval must be a NFPA member. Visit www.nfpa.org for depending on the type of extinguisher see OSHA more details. 1910.157(f). Also, employers should follow all other Contact Diversied Insurance Service at 800-848maintenance requirements under that section. 2788 for more information on safety procedures and other ways you might mitigate the risks to your Training and Education business or visit their website at www.divinsurance. The employer also must provide education for com. employees to familiarize them with the general principles of re extinguisher use. Training should include: Which classes of extinguishers are found in the workplace and the type of re for which each should be used And your ad could Where they are each located How to properly use each extinguisher be working This training should occur upon initial here too employment and at least annually thereafter. For a full list of OSHA regulations regarding re reaching extinguishers, visit http://www.osha.gov/ over 25,000 pls/oshaweb/owadisp.show_document?p_ table=STANDARDS&p_id=9811. business-

OSHA Requirements OSHA has standards regarding portable re extinguishers that employers provide for employees. Following these standards is not only important from a compliance standpoint, but also National Fire Prevention Association to help keep your employees and company safe and The NFPA is a nonprot organization minimize the risk involved with a re. that strives to prevent res and minimize their effects. It publishes a set of codes and General Requirements standards regarding re, electrical and Employers must provide approved portable building safety. Though these codes are not re extinguishers where employees may easily legally binding themselves, many local, state locate, identify and access when necessary. The and federal lawmakers have adopted certain

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focused readers in five counties every month

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This life-is-good moment is made possible by the hospital rated Best in the Region for Vascular Surgery.

Sandusky Law Firm, Murray & Murray, Installs Largest Solar Array in Region
The law rm on the Sandusky Bay, Murray & Murray Co., LPA, has decided to go solar. The rm recently installed a solar power system on the roof of its Sandusky ofce building, expected to cover about 30 percent of the buildings power needs. It is the largest solar array in Erie County, said attorney Dennis Murray Jr., who suggested that his law partners install the 123.5-kilowatt system after success with a smaller system at his home. The system includes 494 solar panels and generates 250 watts. All of the components have ARRA ratings and are almost entirely made in America. The system will cover about 30 percent of the power needs for the building. This gure might have been 15 percent a few years ago, but the law rm has relentlessly cut its power consumption. The attorneys areas and the common spaces largely use low-power LED lights, along with equipment changes to lower power demand. The solar array will cover about 15,000 square feet of the buildings roof. The solar power system was installed by Edison Solar and Wind of Milan, using panels made by the Sharp Electronics plant in Memphis, Tennessee. It is estimated that the systems output will allow the rm to break even in a little over ve years, representing a 16 percent return on their investment. The panel installation is part of the rms ongoing efforts to implement and promote sustainable energy consumption. In recognition of these efforts, Murray & Murray was recently designated as Green Certied by the Cleveland Metropolitan Bar Associations Green Initiative Committee, which promotes efcient energy use and other environmentally responsible programs for adoption by law ofces in an effort to lessen the cumulative negative effects on the environment. Eligibility for Green certication requires adoption of sustainable practices, such as a decrease in energy and resource consumption, recycling of used paper, and inter-ofce use of double-sided printing.

Firelands Regional Medical Center has been recognized by Healthgrades as the Best in the Region for Vascular Surgery. Which means we provide 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.

For excellence in Vascular Surgery and beyond, choose Firelands.

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Advanced Care...Close to Home.

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North Coast Business Journal

November 2013

13

Tifn University 125th Anniversary

The year was 1888. The United States of America had 38 states, the Statue of Liberty was celebrating her 3rd birthday, a single ounce of gold was worth $20 dollars, and George Washington Williard established the Commercial Department at Heidelberg College that eventually became Tifn University. This year, 2013, Tifn University is celebrating its 125th or quasquicentennial anniversary and we are extremely proud of this milestone achievement. Since its founding in 1888, Tifn University has successfully educated students for productive and satisfying lives of leadership, excellence, and service. Generations of Tifn graduates have made positive contributions to their families, communities, and professions. Tifn University has an excellent reputation, a variety of strong academic programs and co-curricular activities, attractive facilities, caring and competent faculty and staff members, outstanding students, and a friendly, personal environment where students come OEM_ncbj_HPhoriz_10_13.pdf 1 10/30/13 rst. The growth of the university in the past decade under the guidance and leadership of President Paul Marion has been remarkable. TU has witnessed an increase of 354% in total enrollment over the last eight (8) years while the enrollment of 6,920 students in the fall of 2012 was an all-time high. The picturesque campus has seen some incredible growth and development over the past decade. In 2004, the Hertzer Technology Center & the Hayes Center for the Arts was dedicated and just ve years later, the Living Learning Community (apartments and classrooms) was established for upper classmen. Most recently, the state-of-the-art Heminger Center ofcially opened in 2012 and has welcomed thousands of visitors from the Tifn community and has been a terric and well-deserved facility for our student-athletes. The rst 125 years have been amazing and we are all condent that the next 125 years will be even better. Happy Anniversary Tiffin 12:28 PM University!

Important Dates in Tifn University History:

1888 - Tifn University was founded as an independent Commercial College at Heidelberg College. 1912 - Franklin (F.J.) Miller and Alfred Reichard purchased the Commercial College from Heidelberg. 1918 - F.J. Miller relocates to the Remmelle Building in downtown Tifn and names it Tifn Business University (T.B.U.). 1939 - For-prot Tifn Business University becomes non-prot Tifn University. 1953 - President F.J. Miller retires and Richard Pfeiffer becomes 3rd President of Tifn University. 1956 - TU purchases the Miami Street School and moves to Miami Street. 1981 - George Kidd, Jr. is named the 4th President of Tifn University. 1985 - Football was added as a varsity sport. 1988 - The Gillmor Student Center was constructed for the Universitys centennial anniversary. 1992 - Craycraft Hall was constructed, Miller Residence Hall was renovated, and the Legacy Courtyard was completed. 2002 - Paul Marion becomes 5th President of Tifn University 2004 - The Hertzer Technology Center and the Hayes Center for the Arts were dedicated. 2006 - The Paradiso Athletic Complex was expanded and dedicated. 2009 - The Living Learning Community was dedicated and the Miami Street Development Project was completed. 2012 - The Heminger Recreation Center was completed and dedicated.

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North Coast Business Journal

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Tifn is Home to The American Civil War Museum of Ohio

Clouse Construction Headquarters

The American Civil War Museum of Ohio is located at 217 South Washington Street, Tifn, Ohio 44883. The grand opening was on January 29, 2011. It is a not-for-prot organization that was formed to satisfy the communitys need for an educational museum that deals with the Civil War and the major role that Ohio played in this conict. It is located in a beautiful building that was built in 1915 and was the old post ofce. The building with its grand columns is a little evocative of the Lincoln Memorial. The museum is currently using 10,000 square feet of the building on the main oor and the lower level. There is a mix of artifacts, dioramas, mannequins, audio-visual tools, handson experiences, reference library and informational displays. A 20 minute video titled Ohios Role in the Civil War plays in the museum video room for constant viewing. There is even a gift shop that can be perused for unusual books, videos, CDs and gifts. The American Civil War Museum of Ohio is very family-friendly. Every room has hands-on activities for visitors of all ages and is designed to enhance their experience and knowledge of the Civil War. The museum is set up to make it easy for self-guided tours. If there are enough volunteers on hand, one may be available to take you on a guided tour. We encourage visitors to plan on spending from 1 hour to 3 hours going through the museum. Average visits last approximately an hour and a half. The main oor rooms include the following exhibits: The Road to War explains the causes of the Civil War. The causes are varied and are political, monetary and moral with many other individual issues. The reasons for the war date many years prior to 1861. The war technically began in April, 1861 but seven states had succeeded prior to Abraham Lincolns Presidential

Inauguration in March. The Life of the Soldier gives visitors a look at the everyday life of a soldier. They did not ght a battle every day. There were more dangers to worry about other than just the enemy. Rations, transportation, water, sickness, weapons and homesickness were only some of the issues that faced the soldiers and sailors. There is a very informational display on Andrews Raiders. You will learn some amazing facts about these very brave Ohio men. Some of the Union and Confederate leaders of the Civil War are highlighted. Of course, there is an emphasis on the many leaders that Ohio gave to the war. There is a small exhibit that deals with and explains the reason why The Civil War is the rst modern war in history. The museum deals with a few of the prisoner of war camps on both sides and includes one that was fairly local. The medical care during this time left a lot to be desired, but the doctors and nurses did what they could to help the wounded. The lower level, in part, houses two dioramas, a traveling exhibit from the Rutherford B. Hayes Presidential Center, the reference library, video room and information on the Grand Army of the Republic. The museum welcomes school children and other groups to visit. Groups need to make reservations in advance. The museum is operated by the generous efforts of our volunteers. There are no paid employees. The museum is open all year from Wednesday through Saturday noon to 4:00 p.m. The museum is ADA accessible with a ramp and chair lift available. The American Civil War Museum of Ohio has a website at www.acwmo.org with phone number 419-455-9551 and email address of info@acwmo.org

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North Coast Business Journal

November 2013

15

529 College Savings Plans

Douglas Gildenmeister Senior Vice President, Investments Raymond James Section 529 college savings plans are taxadvantaged college savings vehicles and one of the most popular ways to save for college today. Much like the way 401(k) plans revolutionized the world of retirement savings a few decades ago, 529 college savings plans have revolutionized the world of college savings. As of June 2012, assets in 529 college savings plans totaled $157.3 billion (Source: College Boards 2012 Trends in Student Aid Report). Tax advantages and more 529 college savings plans offer a unique combination of features that no other college savings vehicle can match: Federal tax advantages: Contributions to your account grow tax deferred and earnings are tax free if the money is used to pay the beneciarys qualied education expenses. (The earnings portion of any withdrawal not used for college expenses is taxed at the recipients rate and subject to a 10% penalty.) State tax advantages: Many states offer income tax incentives for state residents, such as a tax deduction for contributions or a tax exemption for qualied withdrawals. High contribution limits: Most plans let you contribute over $300,000 over the life of the plan. Unlimited participation: Anyone can open a 529 college savings plan account, regardless of income level. Professional money management: College savings plans are offered by states, but they are managed by designated nancial companies who are responsible for managing the plans underlying investment portfolios. Flexibility: Under federal rules, you are entitled to change the beneciary of your account to a qualied family member at any time as well as rollover the money in your 529 plan account to a different 529 plan once per year without income tax or penalty implications. Wide use of funds: Money in a 529

Estate
future.) Fees and expenses: Fees and expenses can vary widely among plans, and high fees can take a bigger bite out of your savings. Typical fees include annual maintenance fees, administration and management fees (usually called the expense ratio), and underlying fund expenses. Reputation of nancial institution: Make sure that the financial institution managing the plan is reputable and that you can reach customer service with any questions. the account features are very different. A prepaid tuition plan lets you prepay tuition at participating colleges at todays prices for use by the beneciary in the future. The following chart describes the main differences:
College Savings Plans Offered by states Prepaid Tuition Plans Offered by states and private colleges State-run plans require you to be a state resident Contributions are pooled with the contributions of others and invested exclusively by the plan Generally a certain rate of return is guaranteed

With so many plans available, it may be helpful to consult an experienced nancial professional who can help you select a plan and pick your plan investments, giving you peace of mind. In fact, some 529 college savings plans are advisor-sold only, meaning that youre required to go through a designated nancial advisor to open an account. Always carefully read the 529 Choosing a college savings plan plan issuers ofcial materials before Although 529 college savings plans are investing. a creature of federal law, their implementation is left to the states. Account mechanics Currently, there are over 50 different Once youve selected a plan, opening college savings plans available because an account is easy. Youll need to ll out many states offer more than one plan. an application, where youll name a You can join any states 529 college beneciary and select one or more of the savings plan, but this variety may create plans investment portfolios to which confusion when it comes time to select a your contributions will be allocated. plan. To make the process easier, it helps Also, youll typically be required to make to consider a few key features: an initial minimum contribution, which Your states tax benets: A majority must be made in cash or a cash equivalent. of states offer some type of income Thereafter, most plans will allow you to tax break for 529 college savings contribute as often as you like. This gives plan participants, such as a deduction you the exibility to tailor the frequency for contributions or tax-free earnings of your contributions to your own needs on qualied withdrawals. However, and budget, as well as to systematically some states limit their tax deduction invest your contributions. Youll also be to contributions made to the in-state able to change the beneciary of your 529 plan only. So make sure to nd account to a qualied family member out the exact scope of the tax breaks, (e.g., siblings, stepsiblings, parents, if any, your state offers. nieces, nephews, aunts, uncles, rst Investment options: 529 plans vary cousins) with no income tax or penalty in the investment options they offer. implications. Most plans will also allow Ideally, youll want to nd a plan you to change your investment portfolios with a wide variety of investment (either for your future or current options that range from conservative contributions) if youre unhappy to more growth-oriented to match with their investment performance. your risk tolerance. To take the guesswork out of picking 529 prepaid tuition plans--a distant investments appropriate for your cousin childs age, most plans offer agedThere are actually two types of 529 based portfolios that automatically planscollege savings plans and prepaid adjust to more conservative holdings tuition plans. As of June 2012, assets in as your child approaches college age. 529 prepaid tuition plans totaled $21.5 (Remember, though, that any billion (Source: College Boards 2012 investment involves risk, and past Trends in Student Aid Report). The tax performance is no guarantee of how advantages of college savings plans and an investment will perform in the prepaid tuition plans are the same, but

college savings plan can be used at any college in the United States or abroad thats accredited by the Department of Education and, depending on the individual plan, for graduate school. Accelerated gifting: 529 plans offer an excellent estate planning advantage in the form of accelerated gifting. This can be a favorable way for grandparents to contribute to their grandchildrens education. Specically, individuals can make a lump-sum gift to a 529 plan of up to $70,000 ($140,000 for married couples) and avoid gift tax, provided the gift is treated as having been made in equal installments over a ve-year period and no other gifts are made to that beneciary during the ve years.

You can join any states plan Contributions are invested in your individual account in the investment portfolios you have selected Returns are not guaranteed; your account may gain or lose value depending on how the underlying investments perform Funds can be used at any accredited college in the U.S. or abroad

Funds can only be used at participating colleges, typically state universities

Note: Investors should consider the investment objectives, risks, charges, and expenses associated with 529 plans before investing. More information about specic 529 plans is available in each issuers ofcial statement, which should be read carefully before investing. Also, before investing, consider whether your state offers a 529 plan that provides residents with favorable state tax benets. 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.

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North Coast Business Journal

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North Coast Business Journal

November 2013

17

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18 November 2013

North Coast Business Journal

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Firelands Regional Medical Center and The Bellevue Hospital to Open Urgent Care in Clyde
Firelands Regional Medical Center and The Bellevue Hospital are pleased to announce a joint venture between the two hospitals which will bring Urgent Care services to Clyde, Ohio. The new Urgent Care will serve the healthcare needs of residents in the Clyde, Bellevue, Fremont and surrounding areas. Located at 1740 W. McPherson Highway, it is anticipated that the new Urgent Care will be open to patients by January, 2014. We are pleased to bring this service to the Clyde community and are excited over the opportunity to work together with The Bellevue Hospital. By doing this as a joint venture the communities served benet since they are already familiar with both hospitals long standing reputations for providing top quality healthcare services, shares Martin E. Tursky, President & CEO of the Firelands Regional Health System. The Urgent Care will continue that reputation of providing the highest quality care possible in a new state-of-the-art facility. This joint venture is a positive step for everyone involved for Firelands Regional Medical Center, for The Bellevue Hospital, and mostly for the communities we serve. Patients will now have access to prompt quality care that is a lower cost alternative to emergency care when doctor ofces are closed, explains Michael K. Winthrop, President & CEO of The Bellevue Hospital. We plan for the Urgent Care to be open daily from 11 am 9 pm, and 10 am 5 pm on Saturdays and Sundays, with the possibility of expanding hours as needs indicate, Winthrop added. The new site, which is across from Clyde-Findlay Area Credit Union, will also provide x-ray and lab services. Anthony Tesmond, DO, medical director of the new Urgent Care in Clyde, explains that Urgent Care services are provided to individuals who need to be seen promptly by a healthcare provider. These are usually patients that are unable to get an appointment with their own physician, need to be seen after normal ofce hours, dont have a primary care physician or may be visiting the area and need urgent care, explains Dr. Tesmond Additionally, we can provide services to patients including diagnostic studies that might not be

available at their physicians ofce. For instance, having the ability to offer imaging allows the providers at the Urgent Care to diagnose and render initial treatment for patients with fractures and other musculoskeletal injuries. We will also have the ability to treat a wide variety of common illnesses and injuries. If the patient is more critical, or has lifethreatening conditions such as chest pain or stroke, the Emergency Rooms at either The Bellevue Hospital or Firelands Regional Medical Center will continue to serve these needs as would other ER providers in the area. Dr. Tesmond, who is also the Medical Director for the Firelands Physician Group Urgent Cares in Sandusky and in Vermilion shares, Its exciting to be able to expand from a single clinic (Sandusky) into two clinics (Sandusky and Vermilion) and now into a third (Clyde). This growing network allows us to bring Urgent Care to surrounding

communities where there is a denite need for these services. Dr. Tesmond goes on to explain, The role of the Urgent Care is to treat the patient and then have the patient follow-up with his/her Primary Care Physician. As a result, primary care physicians have become comfortable in referring patients to Urgent Care when they deem it appropriate. We have a good working relationship with area physicians. Janotta & Herner is the design/builder for the Urgent Care facility project. Ground was broken at the 1 acre site on July 8, 2013 and construction has been underway since that time. The facility is a 3,600 square foot medical ofce building, of which 80% will be used for the Urgent Care service. Future plans for the remaining 20% of the 1740 W. McPherson facility may include other healthcare services; however no denite plans have been established at the present time.

Firelands Regional Medical Center Receives Excellence in Engagement Award

Firelands Regional Medical Center has been awarded The Advisory Board Companys 2013 Excellence in Engagement Award one of only twenty organizations nationwide to receive this award. The annual award recognizes top-performing hospitals and health systems nationwide for outstanding levels of employee engagement. Employees took a survey to measure the employee engagement at Firelands. The survey questioned employees on work environment and the organization as a whole, for example. We had 85% of our employees complete the employee engagement survey, which is really outstanding for an organization our size, stated Jim Sennish, vice president of human resources at Firelands. We are proud that we have received this remarkable achievement and created an environment where employees feel engaged with what is going on here at Firelands. Engaged employees, as dened by the Advisory Board, are those who exhibit both loyalty and commitment to the organization. These employees are willing to expend discretionary effort, often going above and beyond to help the organization succeed. The award recognizes Firelands Regional Medical Centers commitment to creating a bestin-class work environment for its employees.

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North Coast Business Journal

November 2013

19

Tifn Company Donates Equipment to Terra State

Toledo Mold and Die recently donated three robots and a variety of manufacturing equipment to Terra State Community College. Employees of the Tifn-based company delivered the equipment last week. Two of the used robots have a maximum payload of six kilograms while the third has a maximum payload of 45 kilograms. They will be used to train students in material handling, material removal and general programming. The robots and the other donated pieces will be used to train students in various integrated manufacturing techniques as a part of the robotics program at Terra State, said Jim Perlberg, Assistant Professor. Because a new robot can cost tens of thousands of dollars, donations like these are critical to many of the technical programs at Terra State. This kind of equipment donation makes it possible for Terra State to offer students a wide range of hands-on experience and skills which in turn makes them more competitive in the high-technology manufacturing environment, Perlberg said. The timing couldnt have been better, according to Andy Carroll, Dean of Engineering, Technologies and Mathematics. We have just combined our plastics technology and robotics training equipment into one laboratory to create a real world simulated manufacturing environment, Carroll said. These additional robots increase the number of students we can serve in the robotics curriculum and that goes a long way towards meeting the industry demands for more skilled workers. We are very appreciative of Toledo Molding and Dies generosity and value all of our great relationships with local employers. For more information on the robotics and integrated manufacturing program at Terra State, call Jim Perlberg at 419-559- Jim Perlberg, right, watches as employees of Toledo Mold and Die unload the three donated robots. 2415.

Congratulations Lori!
It is with mixed emotions that we bid a very fond farewell to LORI ROTH as she begins a new journey called retirement. Your family at Mark Advertising wishes you the best of luck in the next chapter of your life. Thank you for 38 wonderful years of dedicated service in the printing industry.

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Grand Opening and Ribbon Cutting at Goodwills Day Habilitation Center

Ribbon Cutting Ceremony for McDonalds-Oak Harbor

Port Clinton, OH The Port Clinton Area Chamber of Commerce held a ribbon cutting ceremony celebrating the grand opening of Goodwills Day Habilitation Center located at 205 SE Catawba Road (SR 53) in Port Clinton on Tuesday,

October 29. Representatives from the Port Clinton Area Chamber of Commerce congratulated Goodwill and thanked them for their commitment to the Port Clinton community.

Pictured: Front Row: Kyle Snyder, Erin Fouts, Tom Humbard, Ottawa County Commissioner Jodi Regal, Dorita Snyder, Lucas Humbard & Rachel Below A ribbon cutting ceremony was held last month at the McDonalds owned by Thomas Humbard who also has locations in Port Clinton, Catawba, Fremont, Clyde, Bellevue and Tifn. Ronald McDonald was on hand, and all customers had a chance to spin for a prize as well as enter the Grand Prize Rafe.

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North Coast Business Journal

November 2013

21

Human Resources Is Your Small Business Being Held Hostage?

By: Steven J. Krisfalusy Sr. Management & Human Capital Consultant When we use the term hostage we mean that your business decisions are being partially or totally based on a few individuals personal agendas vs. the business needs. Unfortunately this is more common than most realize or are willing to admit especially in a small business environment. Across 100 different industries, one common factor is that the owners decisions are often being held hostage in some way or form by a few people in their company. We have seen that range from offering special benets, comp. time, money and even mini-kingdoms being created within the company. We have also found that the longer that scenario goes on the harder it is to break the cycle. Statistics have shown that the #2 person in a small business (usually non-owner) not only has the most inuence but often is the #1 culprit of using this ploy. They wear the most hats; you rely on them the most and a few, at some point recognize this and use it for personal gains. Often inuencing business decisions for their personal gains. That scenario also occurs in family owned businesses. Over 66% of our projects are with 2nd 3rd generation businesses and the same holds true - if not worseyou may have to have Thanksgiving or Christmas dinner with them. This is an extremely, almost impossible scenario to end for the owner or family. They are usually to close or afraid and that is when outside, non-attached help is highly recommended. The process usually starts slowly with simple but unique requests that start the testing process. Testing to see how far you will bend for them. Personal or individual needs & requests then tend to become more frequent or complex the old how far can I push it mind set! For example: Recently we were in an important family business decision making meeting and a family member that did not agree pulled out the Im your brother/sister card because they wanted the decision their way. No matter how you shape it, when people inuence your business decisions for their personal gains and ultimately paint you in a corner, that is when they have crossed the line and you have become a hostage. So how can you tell if someone is trying to put you in that situation? There are too many tells to list in this article but we will cover a few. We hope they help make you more aware, then it is up to you to decide what you want to do about it (or not) and if you need some help. A few tells: The mindset of You need me! If I leave what will you do? Here is what I want todaytomorrow! Often we are to blame for setting up this situation and once people decide to take advantage of it, it is extremely difcult to break that cycle. Furthermore, hoping that it goes away or that your last gesture will satisfy them often leads to fueling the res for the next volley and the risks to the business actually increase. Recommendation: They may be somewhat telling you the truth in that you are too dependent on them. To address that red ag try cross training to reduce the dependence on any one person! This will almost immediately reduce the risk level. The logic behind cross training will be harder for them to reject. Another idea, if possible, is to get the person to take a 2 weeks vacation. Why? As most banks found out years ago, when someone is gone for 2 weeks, anything & everything comes to the surface that someone may not want you to know about. There seems to be a constant line at your office asking for more money: This is the most common and probably the most costly. In a small business, you should assume everyone knows everything. When the above scenario gets into the rumor mill and you gave them what they want.who is next in line? This not only creates a terrible synergy for the business and its nancials but often it is one of the top 3 pains of owners. Recommendation: Establish one month per year to review payroll. Even if you give them what they want, it will reduce the process to once a year & not once week or month. Also, create and or update your job descriptions to include pay ranges based on the level of responsibilities they are at on your org. chart. Remember, you can never pay anyone enough and today, creating new & innovative ways to recognize & reward your people is a smart path. That is not in my job description! This statement can be taken a few different ways but I have yet to nd a good one. This situation can also create higher risk factors. 2 things it can involve are: you are not paying me enough to do that too; or I only want to do X! The key word here is I. Recommendation: Walk slowly and carefully. I suggest you conduct an initial discovery meeting (very low key) to better determine what the issues are or the intent. From there you can decide what your next step(s) is. One of those steps could be to bring the person in closer and have them help draft/update their own job description. In writing job descriptions remember to focus on "What does the business need" rst! The 2nd step is to draft a job description that will help ll those business needs. The 3rd step is to determine who can fulll those needs which may take some coaching. The opposite of that process is to wrap the job

See HR, Page 28

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Safety Council Awards

The Sandusky County Safety Council held their rst-ever Above and Beyond competition recently and awarded a total of $3,850.00 in cash awards and trophies to winners at their October meeting held at Elmwood HealthCare Center at the Springs, Green Springs. First place winner Sandusky County (EMS) received a prize of $1,500.00. Second place award of $1,000.00 went to Ludlow Composites, Fremont. Carmeuse NA, Millersville, was recognized as third place winner and received a prize of $750.00. $200.00 checks were awarded to Honorable Mention winners ABC INOAC Exterior Systems, Inc, Curwood, Inc. and Crown Battery Manufacturing Co., Inc. for their safety projects. Above and Beyond is a safety improvement challenge designed to recognize safety council members commitment to occupational health and safety that is more than just the minimum requirements". Criteria for judging, which was done by the safety council members in attendance, included: Was there a clear presentation of the project?; was there a demonstration that the project reduced injuries or had the potential to reduce injuries?; was there an increase in safety awareness throughout the facility?; was the project cost effective?; was productivity/ efciency improved? The mission of the Sandusky County Safety Council, a committee of the Chamber of Commerce of Sandusky County, is to prevent and mitigate personal injury to employees and economic losses to member businesses and the community that arise from preventable safety and health incidents. The Sandusky County Safety Council seeks to accomplish its mission by providing a forum to Increase safety awareness by examining current safety and health issues and to encourage its members and the business community at large to put into daily use rules, procedures and practices that result in a safe and healthy working environment for all their personnel. For further information on the Sandusky County Safety Council contact Jim Miranda at The Chamber at 419- (Left) Matt Rogish< Carmeuse NA, third place winner; (center) Jeff Jackson, Sandusky County EMS Director , rst place winner; (right) Josh Dus332-1591. seau, Ludlow Composites, third place winner

Oak Harbor Apple Fest

Oak Harbor Chamber reports: The 35th Annual Apple Festival was held on October 12-13, 2013 in downtown Oak Harbor. We could not have asked

for better weather or a better turnout. What a wonderful weekend lled with food, rides, crafts and entertainment.

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November 2013

23

Ribbon Cutting Celebrating Erie Dearie Park Improvements

110 Madison of Port Clinton LLC Accepts Downtown Grant

Pictured left to right: Brad Hickman, PC Chamber Ambassador; David Slosser, OCCF Board; Lee Vivod, Chamber Board; Dr. Derrill Hablitzel, OCCF VicePresident; Tony Cipiti; Janeane Cipiti; Julie Quayle, OCCF Board; Joy Roth, OCCF President; John Madison, OCCF Treasurer; Mary Coffee, OCCF Board; Tracy Colston, City of Port Clinton Safety Service Director; Marcia Jess, OCCF Secretary; City Councilwoman Nicole DeFreitas; Karin Messner; Laura Schlachter, PC Chamber and Main Street PC; Suzanne Richards; and Dave Amarante, PC Chamber Ambassador. Port Clinton, OH The City of Port Clinton, the Port Clinton Area Chamber of Commerce, and Main Street Port Clinton held a ribbon cutting ceremony celebrating the beautication of Erie Dearie Park in downtown historic Port Clinton on October 8. This project was made possible from the support of the Ottawa County Community Foundation (OCCF) and Tony and Janeane Cipiti.

Main Street Port Clintons Economic Restructuring Committee presented a check to the owners of 110 Madison of Port Clinton, Ohio, LLC for the completion of the painting of the rear of their building. Pictured left to right: Jeff Morgan, ER Committee

member; Lee Vivod, ER Committee member; Vicky Clemons, ER Committee member; Jim Bergeman, owner; Larry Hartlaub, ER Committee Chair; Denny Bergeman, owner; and Jim Recker, ER Committee member.

Ribbon Cutting Held EHOVE Trains our Rescuers for Common Grounds
EHOVE Adult Career Centers Fireghter program hosted a water rescue training event last month in Cuyahoga Falls. Fireghters from Huron, Norwalk, Milan, Sandusky, Cleveland Heights, Shelby, and New Philadelphia attend the course called Swiftwater Rescue 1 course. S p e c i a l i z e d equipment to conduct the training, such as a boat, wet suits, helmets, etc. were provided by Huron Fire, Norwalk Fire and Sandusky Fire Departments. The training evolutions included: near shore victim rescue, far shore victim rescue, victim assisted rescue, boat operations, 2 line tethers, 4 line tether, high line boat operations, and various self-rescue operations. The class was held in Cuyahoga Falls, which proved to be the best location for students to experience Class II and Class III rapids, which added realism to the training evolutions.

The Port Clinton Area Chamber of Commerce held a ribbon cutting ceremony for Common Grounds located at 1848 E. Perry Street in the Sutton Center on October 11.

Representatives from the Chambers Board congratulated RVIs Board of Directors and the staff of Common Grounds and wished them many years of success!

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The Well-Booked Business

By Cathy Allen One of the most regular complaints I hear from the directors and staff of groups I work with is lack of teamwork. It sometimes appears from my vantage point that most organizations are full of people who believe that they and they alone are taking care of business while everyone else is slacking off, doing the wrong things and failing to communicate. It is a frustrating reality that so few methods exist for changing other people. The good news is that to create real and lasting change, the rst and best place to start is with oneself. Once we are truly open to the input of others, it can be productive to open a dialogue with co-workers about the quality of the teamwork in our workplace. Thats where the fun and funny little fable-style books come in. They are easy to pass around the ofce and they give people an opportunity to discuss issues of importance, using words and phrases that are quick to say but packed with meaning for those who have read the book. The FISH model is an oldie but goodie, and worth a look for those struggling with poorly-performing teams. FISH! A Remarkable Way to Boost Morale and Improve Results by Stephen C. Lundin, PhD, Harry Paul, and John Christensen. Hodder and Stoughton, 2000. Summary: Some jobs just suck. They are backbreaking or messy or full of not-always-so-happy customers. But in some places, the people who have the lousy jobs are not miserable. In fact, in some places the workers are downright joyful. Take the Pike Place Fish Market, for example. There, the guys who clean sh, stack them in big barrels full of ice, and wrap them one at a time for an endless press of customers seem always to have jumped out of bed eager to go. When their very busy market was discovered by a group of consultants who work in the eld of workplace team building, the FISH industry was born. This book explains the basic theory. Key Learnings: There are four primary principles underpinning the FISH philosophy. Where-ever a workplace develops a culture that embraces these principles, employee retention and productivity improve, along with customer service. Play. Being playful is a state of mind that brings new energy and sparks creativity. We can be serious about our work and still have fun with the way we do it. Work made fun gets done. Make Their Day. The world becomes a better place the moment any of us act on an intention to serve another. When we decide each day to go out of our way to make someone elses day be it a co-worker or a customer we improve our own well-being. Some say this is the only way to true happiness. Be Present. We can multi-task with stuff but we need to be there for people. Being truly available to whoever we are with is different from being internally focused or already thinking about what we need to do next. Choose Your Attitude. The attitude you have right now is the one you are choosing. Is that what you want? The beautiful truth is that any of us can decide in advance that today is a good day, whether we clean sh for a living, process bank transactions, or write newspaper columns. FISH! Tales: Real Life Stories to Help You Transform Your Workplace and Your Life by Stephen C. Lundin, PhD, John Christensen, and Harry Paul, with Philip Strand, Hodder and Stoughton, 2002 Summary: This second book in the series examines some real-life workplaces that transformed themselves after learning and adopting the FISH philosophy. The authors go through the principles one by one, telling their stories of how client organizations implemented them and the specic benets they discovered. Examples include a large call center, an auto dealer, a roong company and a hospital wing. By following the lead of a group of shmongers from Seattle, each business increased its protability and employee satisfaction at the same time. Key Learnings: One concept that underlies successful implementation of the four principles in all of the FISH Tales is trust: To play, people must be free of fear. It has to be safe to do the wrong thing. Those who are risk averse may struggle. (It helps if the supervisors play along.) If we say we allow play and then actually allow play over time trust will grow. Workers must be condent that they wont be taken advantage of. People can tell if you are using technique. Presence has to be real. It has to be safe to choose being there for a customer over other tasks. We have to be able to trust our teammates to cover for us if we need to stay with someone else. It must be safe to choose happiness in an atmosphere of acceptance and appreciation. Trust is an important component of coaching and of being coached. FISH! Sticks: A Remarkable Way to Adapt to Changing Times and Keep Your Work Fresh by Stephen C. Lundin, PhD, John Christensen, and Harry Paul, Hyperion, 2003 Summary: So, youve shown the FISH training videos at work and put the posters up in the hallways. People seem to be embracing the ideas and are working to make their environment better. Now what? How do you keep this effort from going the way of other avor of the month rahrah programs? After reminding us that sustaining change is the true test of leadership, the authors provide guidance from their experiences with moving beyond supercialities to actual cultural shift. Part of the secret is shared vision. When others see the value and begin to grasp that FISH is merely a way of understanding and talking about important issues the dialogues people will begin to engage in at work will embed the principles into their everyday activities. Key Learnings: There is always a choice about how we do our work, even if there isnt choice about the work itself. Quality of work life is about who we are at work, rather than about what we do. We really can choose to bring our best qualities to work or not. It is those things you do half-heartedly that really wear you out. It is important to make and keep commitments to yourself. Once you decide to choose your attitude, start small and give yourself (and others) space to relapse. When you look for the worst you will nd it everywhere. Local Consultant Cathy Allen celebrates her life-long love of books at www. WhatIsCathyReading.com. She invites visitors to download her two-page summaries, comment on her blog or connect to a fabulous network of independent booksellers.

TAXES, from Page 9

that result, an employee may request extra income tax withholding by ling a new Form W-4 with the employer. The extra withholding can then be applied to the liability for the additional 0.9% tax. Self-employment tax. An extra 0.9% Medicare tax also applies to self-employment income for the tax year in excess of $250,000 for joint lers, $125,000 for married individuals ling separately, and $200,000 for all others. This 0.9% tax is in addition to the regular 2.9% Medicare tax on all self-employment income. The $250,000, $125,000, and $200,000 thresholds will be reduced by the taxpayers wage income. For example, if a married couple has combined selfemployment income of $300,000 for 2013 (and no wages), they will pay Medicare tax of $7,250 ($250,000 2.9%) on the rst $250,000 of that income and $1,900 on the excess of their combined selfemployment income over $250,000 ($50,000 3.8%), for a total Medicare tax of $9,150. While self-employed individuals can claim half of their self-employment tax as an income tax deduction, the additional 0.9% tax wont generate any income tax deduction. As you can see, these two taxes will have a signicant effect on your tax picture going forward. Please consult your tax advisor to discuss how these taxes might impact you personally. (Authors note: This article is not intended to offer professional tax advice. Please consult your tax advisor.)

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25

Sales Setting Business Goals

By Roger Bostdorff It is November. This is an ideal time to look at back at 2013 and review what went right and what could have gone better for your organization. What better time than now to have you and your management team set your 2014 Business Goals? Why would you set Business Goals for your company? You will do the best you can and let the chips fall where they may. You have been doing it this way and there is no need to make any change. Am I summarizing some of your current thoughts? If your projected results for 2013 are not where you think they should have been, maybe setting goals for 2014 will help. If you are happy as to where you are projecting your nish in 2013, dont you ask yourself if they could have been even better if you and your team had set Business Goals? For an organization to achieve their long term objectives, setting annual Business Goals is a must, especially in the economy we are challenged with currently. However, setting those goals is only the rst step. I am sure that you have all heard the saying that if you dont know where you are going, then any road will do. I am suggesting that the same is true for business. By having you and your management team set Business Goals, you now have a target to shoot at. These goals/objectives certainly should include revenue but they can and should also include much more. Growth in Market Share, Improved Customer Satisfaction, Reduction in Accounts Receivable Days Outstanding, Increased Safety on the Plant Floor, Productivity Growth/Employee, and improvement in Employee Morale are just some of the areas that goals/objectives can be set for the upcoming year. Setting goals and objectives for an organization need to be done with the management team not just by the owner or President. The reason that this is important is because the 2nd step after creating these goals is to set a game plan in place to achieve these goals. Everyone needs to have buy-in here to increase the odds of success. This also is the only way you get ACCOUNTABILITY!! Once the goals are set, they need to be broken down by unit and communicated to the individuals on the various teams

(e.g. sales, production, HR, etc.). I have asked Presidents of companies if they have set goals for this year. I usually get a yes. However, when I ask if these goals have been communicated and broken down by unit I usually get the deer in the headlights stare. By communicating these goals and breaking them down by unit and even individual, you change the game. When an employee understands what he/she needs to do and why it is important towards the companys objective, a major shift occurs. You take an employee with an employees attitude and change him/ her to a teammate. This is an altogether different attitude. Set Goals, and create a game plan to achieve these goals? We all know we should do this but who has the time. We dont have time to drain the swamp we are too busy shooting alligators!! I remember an interview on 60 Minutes many years ago with Bob Knight, then the basketball coach for Indiana. The interviewer asked Knight if he was so successful because he wanted to win more than

everyone else. Knights answer was classic. He said all college coaches want to win as much as he does. However, not all are willing to pay the price to prepare to win like he does. Are you and your team willing to pay the price of preparation to win? I guarantee you that your competition is focusing on 2014 and beyond right now!! Can you afford not to? Roger Bostdorff is the President of B2B Sales Boost. He spent over 30 years with IBM in sales and sales management. B2B Sales Boost is a consulting company helping organizations improve their sales and overall business processes. B2B Sales Boost is also available for public speaking engagements as well as facilitation of strategic planning. You can nd 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

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Purchase or construction loans for single family units, planned unit developments (PUD), townhouses, condominiums and second homes This program is open to Medical Doctors (M.D or D.O), Dentists (DDS, DMD), Podiatrists (DPM ), Optometrists (OD) or Veterinarians (DVM) who are licensed to practice in the State of Ohio Doctors in Residency or Fellowship programs are also eligible under this program Borrow up to $1,000,000 As little as 3% down on purchase of existing home (including vacation / second homes) Borrow up to $500,000 with no PMI Higher debt to income ratios considered

Small Business Basics Seminars Set for November

The Ohio Small Business Development Center at Terra State 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, nancing and business planning. The November schedule is: Wednesday, Nov. 13 9:30 to 11:30 a.m. Seneca Regional Chamber of Commerce (conference room), 19 W. Market St., Tifn

Wednesday, Nov. 20 9:30 to 11:30 a.m. Erie County Chamber of Commerce (conference room), 225 W. Washington Row, Sandusky Tuesday, Nov. 26 4:30 to 6:30 p.m. Terra State Community College (Building B, Room 101), 2830 Napoleon Road, Fremont These events are free and open to the public. There are no seminars scheduled for December. To register or for more information, call Bill Auxter, Director of the Ohio Small Business Development Center at Terra State Community College, toll-free 800-826-2431 or 419-5592210. Or contact him by email at bauxter@terra.edu.

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The above rates applies to in house portfolio loans only. 5.044% 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; 5.000% rate; 360 monthly payments of $2,684.11which includes principal and interest only. RATES AND OFFER SUBJECT TO CHANGE WITHOUT NOTICE.

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Legal
IRAs And Charities
By Jeff Roth Recently, a lady asked to have her will reviewed. One of her greatest concerns was to insure that her church would receive a bequest at her death. In her will she gave One Hundred Thousand Dollars to her church. She also had a large Individual Retirement Account (IRA) naming her estate as the beneciary. She was told that the charitable bequest needed to be in her will to insure that the bequest would take place. This plan would have cost her children the following: 1. The full and complete probate of her estate at a cost of two to ve percent of the value of her assets and taking considerable time. 2. The IRA money would be subject to two or maybe three taxes: Ohio Income Tax, Federal Income Tax and maybe Federal Estate tax. 3. Income tax would be paid on the distribution to the estate at a possibly high trust rate with considerable time and expense. Charities are exempt from income tax. Any amounts that would pass DIRECTLY to the church would do so free from any Federal or State income tax. Under her old will and her IRA designation, the One Hundred Thousand Dollars would have passed to the children rst. Her children are very successful and were in a thirty-ve percent income tax bracket considering Federal and Ohio tax. It would have cost the children THIRTY FIVE THOUSAND DOLLARS to transfer the One Hundred Thousand Dollars to the church. The solution was not complicated. We contacted the custodian of the IRA account and created separate account beneciaries. First, we made the church a beneciary for One Hundred Thousand Dollars. The charitable beneciary will receive all of the money WITHOUT having to pay any federal or state income tax. They also will receive this money immediately without going through a long drawn out probate process. We then separated the balance of the IRA account into three separate accounts for each of the children whose ages ranged from twenty-two to thirty-two. Each child will be able to stretch withdrawal of their account funds over their life expectancy. The ten year difference in age creates a tremendous increase in value for the youngest child. They in effect will be able to stretch withdrawal of these funds over their sixty-plus life expectancy. Partial deferral of paying tax on this money can turn Twenty Thousand Dollars into Eighty Thousand Dollars. The size of the account does not matter. If a person wants to benet their church, school or other charitable cause with a donation of One Thousand Dollars, the use of a dened account within their IRA will accomplish that end. The bank or other custodian of the IRA account may not want to create the account but it is your asset and you can require that the account designation be established. You cannot combine your children and the charity as joint beneciaries without adverse consequences. This is solved by creating separate shares. It is important to see in print your beneciary designation to insure that the desired result is in place. Proactive planning while alive can save assets for your children and benet charities at your death. Jeff Roth is a partner with David Bacon and associate Jessica Moon of the rm ROTH and BACON with ofces in Port Clinton, Upper Sandusky, Marion, Ohio and Fort Myers, Florida. All members of the rm are licensed in Ohio and Florida. Mr. Roths 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 provide information to the public on concepts of law as they pertain to estate and business planning. Jeff Roth can be reached at ohiooridatrust@aol.com (telephone: 419-732-9994) copyright Jeffrey P. Roth 2013.

Ohio Business College is Microsoft Ofce Certication Testing Site

Ohio Business College (OBC) is an ofcial testing site for Microsoft Ofce Specialist (MOS) certications. This means employers that are interested in having their employees Microsoft Ofce certied can do so by sending them to Ohio Business College where the tests are administered. The Microsoft Ofce certications are a professional credential which provides proof of prociency in MOS: Microsoft Ofce Word 2010; MOS: Microsoft Ofce Excel 2010; and MOS Microsoft Ofce PowerPoint 2010. The Microsoft Office certications for the 2013 Microsoft Ofce versions will be available at OBC in the near future. In todays competitive business environment, employers benet from having employees who possess advanced computer skills and can produce professional and complex documents for their managers, co-workers, clients, and potential customers. Those same employees become even more valuable to their organizations when they earn Microsoft Ofce Specialist certications. When a test candidate passes the Microsoft Ofce certication exams, he/she becomes an ofcial Microsoft Certied Professional (MCP) and gains access to numerous Microsoft Ofce resources. According to the Art of Service website, employees who are MCPs, give their companies a competitive edge in the marketplace. MCPs are welcomed into the MCP community around the world which affords networking and brainstorming opportunities as well as access to online tools and technical resources that help MCPs solve problems and issues in their systems. DeAnne Bowersock, Computer Department Head at Ohio Business College in Sandusky states, We have learned employers are requiring job candidates to be certied in Microsoft Ofce. They want employees to have that highly-developed skill-set; therefore, OBC has made it part of the curriculum for students who enroll in our Associate Degree in Applied Business programs, to have the opportunity to graduate with the MCP credentials. Bowersock continues, Additionally, we have taken the MCP certication testing a step further by serving area employers and offering our location as a Microsoft Ofce certication testing site for their employees. In addition to administering Microsoft Ofce certication exams, Ohio Business College also serves employers as a secondary resource for employees who may need to brush up on their computer skills in a specic computer application. Therefore, OBC offers day or evening computer classes for employees that could benet from additional training in computer software programs such as word processing, spreadsheets, graphics presentation or document production to enhance their skill-sets. School Director Theresa Fisher states, We have been in Sandusky for over thirty years and enjoy working with area employers and business professionals to assist them with their staff training needs. Fisher continues, We encourage employers to take advantage of our convenient location with fully-equipped computer labs and knowledgeable instructors, and use our facility as a computer testing and training center that benets their businesses, but also helps build a skilled work force within the community.

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Mercy Tifn Recognizes Wenger

At the 2013 A n n u a l Recognition Banquet held last month, the 2013 winner of the prestigious Mercy Tiffin Hospital P h y s i c i a n Excellence Award was announced: Dr. Scott Wenger, General Surgeon.

On The Move

Terra State President Talks New Entrance with Local State Legislator
Terra State Community College President Dr. Jerome Webster recently met with Ohio Representative Rex Damschroder (88th District) and, among other issues, the two talked about a proposed new entrance to the college. Webster came away from the meeting with the continued support of one of the colleges longstanding allies. A new entrance road off of SR 53 was identified as the key infrastructure component to satisfy these needs, Webster said. We are delighted that Rep. Damschroder sees the issues and is throwing his support behind the project. He is very aware of the safety concerns, and supports the effort to address this important issue for our students and the community.

Dr. James Rosso, Chief Medical Ofcer Mercy Tifn Hospital said The physicians at Mercy Tifn are regarded with great fondness and respect. The Physician Excellence Award allows Mercy Tifn to publicly recognize these fine dedicated healthcare providers and recognize them for their academic, clinical and humanitarian efforts on behalf of our hospital and the community.

Memorial Hospital Awarded A Grade by Hospital Safety Score

Dr. Webster, left, meets with Rep. Damschroder in Columbus

Working Together

Pictured from L to R: Memorial Hospital staff during a safety huddle, Ann Smith, quality director; Jodi Rucker, med/surg director; Kristina Garza; Stephanie Rhineberger; Angela Lowe; Pam Jensen, Memorial Hospital President; Lindsay Sutter; and Crystal Margraf. Memorial Hospital was honored with an A grade in the Fall 2013 update to the Hospital Safety Score, which rates how well hospitals protect patients from accidents, errors, injuries and infections. The Hospital Safety Score is compiled under the guidance of the nations leading experts on patient safety and is administered by The Leapfrog Group (Leapfrog), an independent industry watchdog. The rst and only hospital safety rating to be analyzed in the peer-reviewed Journal of Patient Safety, the Score is designed to give the public information they can use to protect themselves and their families. According to Memorial Hospital President Pam Jensen, the positive score reects hospital employees commitment to their patients. At Memorial Hospital, our staff is dedicated to providing the best, safest care possible to every patient, on every day, at every encounter, she said. We are excited to receive this national recognition for our efforts. Members of the Milan Chamber of Commerce held their last meeting in a new place this month, EHOVEs Fab Lab. The group was there to conduct their usual business, but also to learn more about EHOVE and the Fab Lab. A Fabrication Laboratory (Fab Lab) is a small-scale workshop equipped with an array of computercontrolled tools with the aim to make most anything. After touring some career tech programs like Electrical Tech and Industrial Tech, Superintendent Sharon Mastroianni spoke with the members about the connection between their community and EHOVE students. You have some very distinguished alumni, said former Milan Mayor Robert Bickley during Mastroiannis discussion. Ive hired several and they always do good work. To nd out more about EHOVEs Fab Lab, including available classes for adults and kids plus open days and times for the public, go to www. EHOVE.net/FabLab.html or call 419499-4663.

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Nancy Reilly Receives Prestigious CIC Designation

ELMORE, OHIO: The designation of Certied Insurance Counselor (CIC) has been conferred upon Nancy Reilly, Sales Specialist of Diversified Insurance Service in Elmore, OH, following her successful completion of a rigorous insurance education program sponsored by the Society of

On The Move
Coordinator of Career Services Hired at BGSU Firelands
Norwalk resident Megan Zahler has recently been named coordinator of career services at Bowling Green State University Firelands College. Z a h l e r s responsibilities will include providing advice and information regarding career and academic direction for students, prospective students and alumni. The position also serves as the campus coordinator for student employment and veterans services and Zahler will be the Colleges liaison to area county employment services and workforce development agencies. Previous to starting at BGSU Firelands, Zahler was associate director of undergraduate students for the Wharton School at the University of Pennsylvania, Philadelphia, where she advised more than 700 undergraduate and prospective students annually. She also was previously employed as the coordinator of career service and student life programs at the Philadelphia College of Osteopathic Medicine where she severed more than 1,000 students annually. Zahler completed a doctorate of education in higher education from Widener University, Chester, Penn., earned a masters degree of science in higher education from the University of Pennsylvania, and a bachelors degree in English from The College of New Jersey, Ewing, N.J.

Certied Insurance Counselors. The designation was conferred on Ms. Reilly in an ofcial ceremony conducted recently at the PIAA Agency Management conference in Dublin, OH. Ms. Reilly has demonstrated her professional competence through the successful completion of the ve CIC institutes and comprehensive written examinations focusing on all major fields of insurance, insurance management, and agency operations.

Lake Erie Shores & Islands Recognized For Group Marketing Efforts LES&I Group Sales Manager Earns Cmp Designation
LAKE ERIE SHORES & ISLANDS, OHIO, October 22, 2013 --- Lake Erie Shores & Islands, the destination m a r k e t i n g organization for travel and tourism in Erie and Ottawa counties, was recently recognized for its group marketing, while its Group Sales Manager, Amanda Smith Rasnick, was recognized with the distinguished CMP designation. The RETHINK meetings and convention destination brochure was awarded a MIDDY award. This piece was created to entice corporate, association, and other meeting planners to Rethink the destinations typically used to host such events. With metropolitan amenities, and without the hassle of a big city, the goal of the brochure is to show that the Lake Erie Shores & Islands can offer more to meeting planners than just the perfect meeting space, and ask them to Rethink. Lake Erie Shores & Islands Group Sales Manager Amanda Smith Rasnick was recently recognized by the Convention Industry Council (CIC) for passing the CMP examination. This distinguished credential, recognized throughout the meetings, conventions, and exhibitions industry, demonstrates an individual's comprehensive knowledge of meeting management as well as a commitment to the profession.

Warnement Achieves Certication

F i r e l a n d s Regional Medical Center is pleased to announce that S h e l l y Warnement, BSN, RN, CWOCN, has a c h i e v e d certication as a Certied Wound Ostomy Continence Nurse. Warnement is a part of the Firelands Wound Care and Hyperbaric Oxygen Therapy (HBOT) Program. Warnement received her bachelor of nursing (BSN) from Mercy College, her RN degree from Owens Community College and her bachelor of business administration from Bowling Green State University. She achieved certication as a wound, ostomy and continence nurse (CWOCN) through the Cleveland Clinic Foundation. Warnement has over 10 years of experience in wound care nursing and has been an employee at Firelands Regional Medical Center for over two years. She currently resides in Republic with her husband, Brad, and their four children.

HR, from Page 21

description around the person or what they want to do. You decide which path is better. As I mentioned earlier, the list of tells can go on & on. Staring to look for them and becoming more aware is a great start to help end or prevent being held hostage by your people. How to solve these issues can be complex and usually there is not a quick solution. Breaking that

Submit stories for the North Coast Business Journal by e-mailing

jbryden@ncbj.net

cycle often needs outside help. Dont be afraid or embarrassed to ask for help. Remember that it takes a good leader to recognize when to raise their hand and follow through. Good Luck! Beringer Group LLC is a diverse team of experts that have advised & implemented solutions on HR & Business issues throughout the Midwest since 1985. 440-5526599 www.sjkberinger.com

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North Coast Business Journal

November 2013

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AWARD OF DISTINCTION

AWARD OF ACHIEVEMENT

Corky McIlrath-Flint

Pat Postma, CRS

Marti Redmond

Fonda Risner

Phillip Bolte

Monica Camarata

Recognized for $2.5 Million in Sales

Recognized for $1 Million in Sales

We are Proud of our Ohio Association of Realtors Award Recipients for 2013. Congratulations!
Exceptional People, Properties and Service

www.BolteRealty.com

Some of the brightest minds in cancer care practice here.

Were partnering with UH Seidman Cancer Physicians to cure cancer close to home.
Thanks to our unique partnership, you now have local access to nationally recognized physician experts and a cancer program ranked in the nations top 20 by U.S. News & World Report.* That includes the latest drug therapies, advanced technology, and more than 300 leading-edge clinical trials. Best of all, that access is available right here at Magruder, a hospital nationally recognized for patient satisfaction. If you need cancer care, talk to your physician about Magruder.

*U.S. News & World Report 2013 Best Hospitals List

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NCBJCommHospice_08_12.pdf

8/20/12

5:37:24 PM

www.ncbj.net

Is your roof at risk?

To avoid damage from leaks, a roof inspection should be done in the Fall to diagnose any areas of concern before winter comes.

With Community Hospice Care, its not the destination, but the journey that matters
Rebecca S. Shank, R.N. Executive Director

Proudly Serving Seneca & Huron counties since 1983

Not for Profit - No Patient ever receives a bill for our care

Community Hospice Care

Call today for your commercial roofing needs 419-332-5000 www.DamschroderRoofing.com
181 E. Perry Street; Tiffin, OH 44883 (419) 447-4040
Visit our website: www.communityhospicecare.com or contact us via email at: info@communityhospicecare.com

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Memorial Hospital: Investing in Quality

Memorial Hospitals new Optima* CT660 from GE Healthcare delivers whats important to our patients:

high quality images at a potentially lower radiation dose.

ASiR* low dose technologies (up to a 40% lower dose) Potentially safer for children, elderly and repeat CT patients Shorter breath-holds for patients High-resolution images Optimized dose levels Sub-millimeter slice thickness An experience designed for patient comfort The new CT scanner was installed as part of Memorial Hospitals 2013, $2 million facility improvement project

Lower DosesQuality Images A safer way to CT

Nathan Egbert, M.D. Medical Director, Diagnostic Imaging
* Trademark of General Electric Company *In clinical practice, the use of ASiR may reduce CT patient dose depending on the clinical task, patient size, anatomical location and clinical practice. A consultation with a radiologist and a physicist should be made to determine the appropriate dose to obtain diagnostic image quality for the particular clinical task.

memorialhcs.org
Call Memorial Hospital at 419.334.6605 for more information.