POSTMASTER: Deliver to Label Addressee or Current Resident

JULY 2012 Vol. 18 No. 7

Published and Owned by Schaffner Publications, Inc.

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

INSIDE THIS MONTH

Marketing: If the Phone Don't Ring............ 2 Taxes: Family Limited Partnership or Limited Liability Company ...........12 Legal: FDIC Personal Accounts.............15 Well-Booked Business .............21 CHAMBER CALENDARS .......22 Sales: Winning Culture Through Coaching ............23 Taxes: Parent Entering a Nursing Home .....24 HR: Interview Questions ...........25

Focus
Submitted by Ann Basilone-Jones

on

Milan

and

Willard

Milan Chamber of Commerce

What is the magic that Milan possesses? Last year, the membership of the Milan Chamber of Commerce allowed the chamber to sponsor the regular, on-going functions of the Chamber which somehow get done each year, include the following regular community service functions; Midsummers Antique Festival, EHS Academic Scholarship for a student attending Firelands College, installation of the Christmas Nativity Scene on the Square, support of the Community Halloween Party, support of the Milan Elementary Schools CertainRead program, and various successful attempts at cooperative advertising and CruisinOn the Square each Tuesday throughout the summer is already a success. The iconic Invention Restaurant entices both locals and tourists alike. The Village Station, at the intersection of Main and Church Streets provides residents with a local source for gasoline. The Square features retail stores and professional services. But Milan business reaches past the Square. The internationally recognized Veggie U, Chefs

Celebrating 18 Years of Service

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

See MILAN, Page 2

Willard: Working for a Brighter Future

Submitted by Ricky Branham Executive Director Willard Area Economic Development Corp. Willard has always been a community of hard working people and successful industries. However, like most communities in Ohio, Willard has had their share of struggles during this economic downtime and the waters were stagnant for awhile. However, good news has been permeating Mercy Willard Hospitals parent organization Catholic Healthcare Partners has made it clear that they believe in three things: in the great care that Mercy Willard Hospital provides; in the leadership of Lynn Detterman, President & CEO, and her staff; and in Willard and surrounding communities. This threefold message was made known again when Mercy Willard relocated to a new $40.5 million facility, located at 1100 Neal Zick Road in Willard, on May 6, 2012. Mercy Willard now has a helicopter pad, which saves critical minutes because patients no longer have to be transported by squad to the airport. Lynn Detterman and all the staff will be continuing to work hard in order to enhance the patient experience at Mercy Willard. On the hospitals new campus in July 2012, extended care facility Willard Healthcare

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Bellevue Area Chamber of Commerce

Willard and the positive impact on both businesses and quality of life will ensure a brighter future for Willard citizens and the surrounding residents.

See WILLARD, Page 9

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 Marblehead Peninsula Chamber of Commerce Milan 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

July 2012

North Coast Business Journal

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If the Phone Dont Ring Youll Know Its Me?

By Jeffrey H. Bryden Editor

Recent personal attempts at customer service prompted re-visiting this subject. With apologies to this unknown country music lyricist, have you heard from your customers lately? In earlier issues, this column discussed listening to customers through focus group research formally drawing people out on their feelings, thoughts, perceptions and values. Finding out, in many cases, answers to questions that you never would have thought to ask or things you never customers ever thought about! This article is a little more basic its about the old-fashioned concept of communication. In the marketing classes I teach, I try to stress the unique construction, and hence, the meaning of this word communication. Effective communication is about both sending and receiving. Theres a duality here, hence the word communication begins with the prefix co-. In the advertising business, a tremendous

amount of attention is focused on the message covering the benefit or the offer. And an equal amount of time is spent on the media that will carry this news to consumers. But notice this is all about the sending part of the process. Yet when you really think about mass media like TV and radio, they arent really designed to co-mmunicate, are they? They send, send, send the messages whether people are watching, or listening or even physically present. These media are only mmunicating with your customer. Not co-mmunicating. Theyre one-way messages, not two-way. To co-mmunicate you need to send AND receive. If youre using direct marketing, print media with coupons or personal selling, you have built-in opportunities to get feedback from your prospects and customers. But if youre dependent on the cost-efficient mass media to get the word out, youll need to provide the feedback framework and opportunity to let them talk. How can they do that? Try the telephone, internet or e-mail.

Web

siTe

In todays electronic world, its just as critical to have correct Web site and e-mail addresses. Have you played the consumer and tried your corporate Web site recently? Is it current? Or, like many out there, was it put up when the promise of e-commerce was hot, fresh and excitingand then abandoned? Does it even work? Can you get where you want to go from the home page? Does it give mail or telephone contact options too? Or does it have electronic road-blocks and cob-webs in it? And you wonder why youre not getting business?

e-mail
Sadly, typos in electronic addresses are easy to make. And while the post office will attempt to track down a mailing address thats somewhat close to yours, the internet is V E R Y PRECISE. A mis-placed period or comma, an upper-case instead of a lower-case character and No soup for you! Want to follow a good example? Lake Erie Shores and Islands distributes over 400,000 copies of their annual Travel Planner across the country. The Planner lists hundreds of area retail businesses, restaurants, motels and attractions. Larry Fletcher, Executive Director, of Lake Erie Shores and Islands West, knows the importance of open lines of communication. So each year before printing the Planner, he has his people check every supplied phone number, Web site and e-mail address in the ads and listings to make sure everything works as planned. And, though theyve been doing this for a time now, each year there are at least a handful of prospective listing sent to them that are incorrect, inoperable and need to be changed. In summary, can your customers co-mmunicate with you? Or are you accidentally shut off from the outside world? Take a trial run pretend to be the customer make sure your important links of phone and internet are up and running. You cant listen when they cant reach you. And, if the phone dont ring ... , maybe its you?

Telephone
Heres a scary thought youve included your phone number on your business cards, in phone directories and in your ads. Yet a (not-uncommon) typo or listing a phone number thats no longer in service can short circuit every attempt your customers may make to call you. Its not only embarrassing, its an economic disaster! Lets assume the numbers right. Have you called yourself recently? (Be a mystery caller.) Did the phone get answered promptly? By a real person or a recording? How was the tonality of the answer? Did it sound friendly or rushed, angry, bored, or mechanical? Was it loud enough and clear enough (some older consumers have hearing difficulties.) If youve opted for a recorded message as many businesses have, did the recording give the respondent plausible options right up-front in an order prioritized with their most-frequent requests first? Or did they have to listen to a litany of options? Did you give them the chance to opt out and request a real person? Or did they get stuck in phone mail jail?

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

205 S.E. Catawba Road, Suite G, Port Clinton, Ohio 43452 419-734-4838 Fax 419-734-5382
Publisher Editor Director of Sales Accounting Manager

JOHN SCHAFFNER JEFFREY H. BRYDEN jbryden@ncbj.net DAVE KAHLER dkahler@ncbj.net CINDY CONSTIEN cindy@thebeacon.net SCOTT HORN scott@thebeacon.net ANGIE ADAIR ZAM angie@thebeacon.net BRUCE DINSE

Layout & Graphic Design

Circulation Manager

MILAN CHAMBER OF COMMERCE , from Page 1

Garden and Culinary Vegetable Institute call Milan home. Veggie U has joined forces with top chefs, educators, a nutritionist and a local physician to create a program that combats the rising epidemic of childhood obesity. The Chefs Garden is an ardent proponent of sustainable

North Coast Business Journal is owned and published monthly by Schaffner Publications, Inc., and is mailed free to chamber of commerce members in a five-county area: Erie, Huron, Ottawa, Sandusky, and Seneca counties. The deadline for editorial and advertising is the 25th 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.

agriculture, growing specialty vegetables for the finest restaurants while avoiding chemical pesticides and fertilizers where available. FreudenbergNOK, the leading producer of advanced sealing and vibration control products, is celebrating its 20th anniversary. The Village of Milan is also home to two museums; the Thomas Edison Birthplace

Museum was successful in lobbying for a statue of the famous inventor to be placed in Statuary Hall, Washington D.C. The Milan Museum the seven building campus continued with many grant-sponsored renovations and enjoyed the introduction of several successful new events which aided in an overall increase in museum attendance.

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July 2012 Now Open at 1100 Neal Zick Road!

Mr. Edison Goes to Washington

Submitted by Don Gfell, Vice President, Edison Birthplace Museum Edison Statuary Committee Chairman In the year 2000, the U.S. Congress enacted legislation to allow states to replace existing statues in the National Statuary Hall if they so choose; however, they must adhere to guidelines. Ohios National Statuary Collection Study Committee was appointed and tasked with finding a suitable replacement for Governor William Allens statue. The nonpartisan committee was made up of three Senators and three Representatives. The Study Committee shall study and review the lives of citizens of this state who positively represent Ohio based on their talents, character and contributions. Not later than one year after the effective date of this act, the Study Committee shall prepare and submit a report to the General Assembly of its recommendation of an individual who should replace Governor William Allen as one of Ohios representatives in the National Statuary Collection in the United States Capitol. S.B. 277, effective date 3/30/07 The Study Committee made visits to numerous sites in the summer of 2009. They received written and oral testimony at January 2010 hearings in the State Capitol. After several site visits, public hearings and much deliberation, the Committee narrowed the field from more than 90 to 10 great Ohioans. On Tuesday, February 23, 2010 the six members of the Study Committee ranked their choices in preference from 1 to 10. Thomas Edison ranked number 1 in the final calculation. At this time the Study Committee could have made their recommendation to the General Assembly, but they decided to seek the opinions of all Ohioans about who should represent our state in Statuary Hall. A partnership was

The NEW Mercy Willard Hospital

established with the Ohio Historical Society, Cincinnati Museum Center, Western Reserve Historical Society, and the Capitol Review and Advisory Board to provide polling locations to cover every region of the state. You may have to be 18 to vote in an election, but this is a process open to every Ohio resident with an interest in our shared history, Senator Mark Wagoner (R-Ottawa Hills), who chairs the Statuary Committee, said. I have learned so much about the contributions of great men and women from Ohio through my work on the Statuary Committee and it is my hope that through this process more Ohioans, and especially our schoolchildren, will get out to our outstanding historical sites and do their homework to learn more about the people who have shaped our history. Their interest and participation will guarantee that we ultimately pick the right person. Vice Chairman, Representative Tom Letson, echoed the decision for public input. I am glad that we are opening up this debate to the public, Rep. Letson said. The person chosen will represent all Ohioans at the U.S. Capitol, and therefore it is only fair that every Ohioan has the chance to weigh in on the decision. I have had

Mercy Willard hospital relocated to the new hospital on May 6, 2012. After years of planning, Mercy Willards two-story, 104,000 square foot replacement hospital is now open! The new hospital enhances the patient experience through a variety of improvements, including: private patient rooms a helipad outside the emergency department MRI suite digital mammography a greatly expanded and more efficient Surgical Suite an attractive Outpatient Service area easy access to care support providers and physician offices The new hospital enables Mercy Willard to continue to introduce advances in technology and services, supporting our commitment to delivering high quality care. Patients and visitors enter Mercy Willards new home with ease from U.S. 224 onto Neal Zick Road. Dedicated entrances for the hospital and physician offices are easily accessible, creating a safe campus environment. Easy-to-read signage directs patients to the emergency department entrance, located at the side of the facility.

Mercy Primary Care Willard and Mercy Cardiology Specialists are now located at the new hospital!

All phone numbers have remained the same!

Ample, convenient parking and safer, heated sidewalks.

1100 Neal Zick Road | Willard, Ohio 44890 | 419.964.5000 |

mercyweb.org

See EDISON, Page 8

July 2012

North Coast Business Journal

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Edisons Birthplace
By Ann Basilone-Jones Executive Director Milan Historical Museum We are a great summer destination! Start a peaceful day with a guided tour of the home where the great inventor, Thomas A. Edison was born, Feb. 11, 1847. The home and Welcome Center next door house Edison early inventions, rare documents and PRICES: $7 for adults, $6 for family mementos. Finish the tour seniors, $4 for children (6-12). with a stroll around newly renovated, Cost is $4/person for groups beautiful gardens. Find a great book over 10, by appointment only. about Edison or an Edison Birthplace SUMMER HOURS FOR souvenir to take home in the Gift Shop. For those seeking a bit more JUNE, JULY & AUGUST: challenge, there is the Edison-Milan 10 a.m. to 5 p.m. Tuesday Canal Basin Trail, winding downhill through Saturday and 1 to from the back of the property, to 5 p.m. Sunday. The last tour connect with the Huron River leaves at 4:30 p.m. Greenway Trail. Take a stroll down historic E. Front St. with its charming architecture, to the Village Square. Plan a relaxing stop at the Village Drive-thru for delicious and refreshing hand- packed Tofts ice cream. Visit the Edison Birthplace Museum on the web at www.tomedison.org, on Discover Ohio, and on Facebook. Phone: 419-499-2135; email: wizard@tomedison.org

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July 2012

Willard Area Chamber of Commerce

Submitted by Ricky Branham Executive Director The Willard Area Chamber of Commerce continues to support many aspects in the Willard area. The primary undertaking of the Chamber is to let the community know that the Willard Area has almost every type of product and service available. We want people to look at home first for what they need and desire before looking elsewhere. The mission of the Willard Area Chamber of Commerce is to promote business, economic growth, and development along with improving the quality of life in the Willard Area. The Chamber sponsors a lot of area events including two banquets. The 21st Annual Banquet was held in January and featured information and forecasts concerning locally industries. This year the program included Willard City Schools Superintendent Dave Danhoff, Mercy Willard Hospitals President and CEO Lynn Detterman, CSX Superintendent Nick Male, MTD Plant Manager Roy King, RR Donnelley VP of Manufacturing Dirk Hiler, and Pepperidge Farm Plant Manager Don Tomaszewski. The 20th Annual State of the City Address was held in April and the main speaker was the Willard made to the Chamber office and cell phone, which averages 5 calls per day; a monthly newsletter with up-todate area information; the opportunity for your business to put your flier with our monthly newsletter; the director attends area meetings on your behalf to make sure the businesses voices are heard; opportunities to attend Chamber meetings, Business After Hours, the Annual Banquet, and the State of the City Address; new business ribbon cuttings or anniversary ribbon cuttings; free North Coast Business Journals for your business. If you are interested in joining or would like more information, please visit our website at www. willardareachamber.com or email: willardareachamber@yahoo.com or by telephone: 419-935-1888 or by mail: PO Box 73 Willard, OH 44890. Ricky Branham serves as the current executive director of the Willard Area Chamber of Commerce for over three years and is also the executive director of the Willard Area Economic Development Corporation. He is a graduate of Willard High School, North Central State College and Malone University. He and his wife, Victoria, reside in Willard with their two young sons.

City Manager, Brian Humphress. Mercy Willard Hospitals President and CEO, Lynn Detterman, also gave a final update on the new hospital, which officially opened on May 6, 2012. Both events were very well attended with new businesses being represented. The Chamber of Commerce plays a vital role in improving the quality of life in the Willard area by hosting and sponsoring events including: Martin Luther King Jr. Celebration, Arbor Day, Scholarship Awards, Festival in the Park, Annual Golf Outing for Scholarships, Back Pack for Kids, Hispanic Heritage Festival, Kiddie King and Queen, and the Annual Christmas Parade. The Chamber in conjunction with its subcommittee the Downtown Business Association (DBA) held the 3rd Annual Cruisin Willard Car Show

sponsored by Sharpnack II ChevroletBuick. This years event attracted more community members than ever before who came to see all the fabulous cars/trucks/motorcycles. The Chamber works with the City of Willard so that historical downtown Willard streets can be utilized the day of the event to give the car show a unique feel. Please mark your calendars for the 3rd Annual Train Show to be held in historical downtown Willard for two days on October 13-14, 2012. The Willard Area Chamber of Commerce is essential to the success of Willard economically. We strive to take the Chamber to the next level by allowing our members opportunities to get their name out there. We offer our members: a complete business information listing on our up-to-date website; direct referrals from calls

Sandusky County Safety Council FY13 Enrollment Period Open

July 1 July 31, 2012 is the FY13 enrollment period for new Safety Council members who are interested in qualifying for a rebate of 2% or more on their Workers Compensation premiums. It is also time for dues renewal and submission of 1st Half 2012 Semi-annual Reports for present members. In a special incentive program, the Ohio Bureau of Workers Compensation (BWC) is offering Sandusky County area employers a one-time rebate of 2% on their Workers Compensation premiums for active participation in Safety Council during the next 12 months. The rebate offer excludes self-insuring employers or state agencies. New for FY13 is that employers participating in BWC groupretrospective programs are eligible for a 2% participation rebate. As in FY12 groupexperience-rating members are eligible for a 2% performance rebate. For many companies, the 2% or 4% savings will actually outweigh the cost of membership in Safety Council. To receive a 2% rebate, local companies must meet four criteria: Join the Sandusky County Safety Council no later than July 31, 2012 Send a representative to at least 10 meetings between July 1, 2012 and June 30, 2013 Submit two safety reports for the 2012 calendar year Have their CEO (or highestranking on-site management person) attend one meeting between July 1, 2012 and June 30, 2013 Note: An additional 2% rebate, based on reduction in number and/or severity of workplace injuries as calculated by the BWC, is also available to qualifying non-group Safety Council members. Dues for Sandusky County Safety Council is $190.00 per year for one representative, or $170.00 for companies that are also members of the Chamber of Commerce of Sandusky County, and $110.00 for each additional representative from the same company, and includes the cost of meals at the 12 monthly meetings. Meetings always include a 40-45 minute safetyrelated program. If you would like to join the Sandusky County Safety Council, or would like more information, please contact Jim Miranda at the Chamber of Commerce of Sandusky County, at 419-3321591, or safety@scchamber.org.

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July 2012

North Coast Business Journal

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Willard City Schools Were doing Excellent, thank you!

Submitted by David Danhoff Superintendent The Willard City School district had a fantastic year during the 2011-2012 school year. The district continues to do well with academic achievements and many of our graduates have gone on to become very successful people in their own right. The Willard City Schools became an Excellent school district for the first time during the 2010-2011 school year and tested well for 2011-2012. The districts Ohio Graduation Test results were very good last year and there is a continued quest for excellence in all we do for our students. The Willard City Schools are very proud of our residents for their passage of the 52 million dollar building project that will enable our community to compete for the best education possible for the youth of tomorrow. The new building will house all Willard students Pre-K through grade 12 and will be 240,000 square feet with state of the art technology and learning opportunities. This coupled with the addition of a new 101,000 square foot Willard Mercy Hospital allows Willard to attract and retain great residents who truly love the community of Willard. The addition of these two fine facilities is an influx of close to 100 million dollars of investment into the city of Willard and its 6,500 residents. Currently, through locally funded initiatives from the passage of the 52 million bond issue, the district continues to build its new athletic complex on a 14 acre site two blocks from Willard High School. The athletic complex consists of baseball and softball fields, six tennis courts, and a paved walking trail for the residents of Willard. We are very excited for this project and the completion date is the end of August. The athletic fields have been moved to make room for the building of the new school which will be completed sometime during the 2015-2016 school year. The current football field and track complex will remain in their current locations and renovations are being completed on the football stadium. Bleacher renovation on the home side, along with press box renovations, field drainage and blacktopping of areas around the stadium are currently being completed. The Haas Gymnasium will be the only area of the current High School that will remain after the building of the new complex. A new heating and electrical system will be updated in the gym and commons area and it will act as a stand-alone field house. The gym, with all of its history, will remain the varsity gym for basketball, volleyball and wrestling for the Crimson Flashes. The Willard City Schools are very innovative and creative as their participation in Race to the Top grant monies of over $300,000 is used to support professional development related to improving academic standards. Willard High School and Willard Middle School are part of the High Schools That Work and Making Middle Schools Work initiative that allows both schools to be at the forefront of educational change. The Willard community and Willard City Schools are very proud of their community and schools. The community and schools have been very aggressive in making positive change that will impact its residents for the next 70-80 years and will continue to make Willard a great place to live and raise a family. The proud tradition continues to thrive!

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July 2012

The NEW Mercy Willard Hospital is Now Open!

After years of planning and 22 months of construction, Mercy Willard Hospitals $40.5 million twostory, 104,000 square foot facility opened its doors on May 6, 2012. The new hospital is located at 1100 Neal Zick Road, Willard, Ohio. Patients and visitors enter Mercy Willards new home with ease from U.S. 224 onto Neal Zick Road. Easy-to-read signage directs patients to the emergency department entrance, located at the side of the facility. Mercy Willard Hospital and Catholic Health Partners are committed to Willard and the surrounding communities, said Lynn Detterman, President & CEO of Mercy Willard Hospital. We believe as one of the largest investments in our communitys history, this replacement hospital project will serve as a catalyst for further revitalization. Pedestrians no longer need to cross a busy street to enter the hospital. In the winter months, heated sidewalks will create a safe walkway for patients and visitors. The new hospital supports Mercy Willards ability to deliver on the brand promise, manage resources and carry out the Mission by enhancing the patient experience through a variety of enhancements. The main lobby of the new Mercy Willard Hospital was designed to create a comfortable and reassuring atmosphere. As you enter the hospital, you are greeted by a friendly face at the information desk. Authentic stone facades contrast with rich wood tones to bring in the beauty of nature inside. A stunning fireplace in the waiting area of the lobby aims to create a warm environment for patients and visitors.

Mercy Willards employees and physicians have worked hand-inhand to extend the Mercy mission to all that enter the hospital. Mercy Willard offers emotional and spiritual comfort to patients and visitors. The Chapel is conveniently located off of the main lobby, and is specially designed for patients, visitors and employees wishing to quietly pray or reflect. The simply adorned interior dcor meets Catholic liturgical standards while providing a spiritual space within, where people of all faiths and denominations can seek serenity and peace. The new Mercy Willard Cafeteria features outstanding dining options for our visitors. Multiple dining stations will provide various hot and cold food items as well as a soup and salad bar. The dining room features glass walls that create an open feel for

the indoor seating, as well as a beautiful stone patio offering outside seating. For patient convenience, outpatient services are accessible directly off of the main lobby, making access to a wide range of services easy for patients who visit the hospital for pre-admission testing, blood draws for lab work and radiology imaging services. The new hospital features private patient rooms, carefully designed to meet the needs of patients and families. Each room features comfortable seating and a sleeper sofa for family members who wish to remain overnight. Each patient room features a large bathroom with fullsize shower, convenient grab bars to support patient safety and plenty of storage for care supplies as well as necessary personal items. The room

layout allows caregivers to monitor patients closely and staff to stock supplies, yet come and go freely with minimal interruption to patients and guests. All rooms are equipped with advanced technology to provide the highest quality care possible. Patients admitted to one of the ICU care rooms receive careful monitoring by nurses with specialized training. Equipment and staffing within the ICU meets the special needs of patients, who need a higher level of support to recover from serious illness, injury or complicated surgery. ICU staff is dedicated to providing timely and helpful information to assist patients and families. For more information about Mercy Willard Hospital, visit mercyweb.org or Mercy Willards Facebook page at w w w . f a c e b o o k . c o m / MercyWillardHospital.

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July 2012

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William Allen in Statuary Hall in Washington, D.C. Again, there was a lot of press coverage and newspaper and TV announcements of Edison going to Washington. Still not so; on to the Senate. On Feb. 1, 2011, Sen. Mark Wagoner introduced S.B. 21 to send Edison to Statuary Hall. The bill passed the Senate (32-0) on April 13, 2011. In the final analysis, after Senator Wagoners Bill was stalled for more than a year in the Ohio House, he attached the Edison Statue bill to the State Budget Bill which passed both the Senate and House and was signed into law by Governor Kasich on June 11, 2012. A new statue of Thomas Alva Edison, of Milan, Ohio will now join the statue of President James Garfield as representatives of Ohio in the U.S. Capitols National Statuary Hall in Washington, D.C. A major celebration is certainly in order for Team Edison supporters from all over Ohio. This victory was about as difficult and persistent as Edisons perfection of the incandescent lamp and storage battery. Let there be no doubt, The legacy of Edison is rooted deep in Buckeye Soil and now he will shine his presence in Washington D.C. As my 8th grade grandson said, He represents the Heart and Soul of Ohio. Yes, Edison will finally go to Washington but we have just confirmed phase one of his statue. The next phase will be directed by the Ohio Statuary Hall Commission, a non-profit Ohio corporation. Please know the following lines are strictly my own unofficial estimates but at this point everyone wants to know the cost and time lines. I have heard the average cost of placing a statue in the capitol is anywhere from a half million to a million dollars. The time for fund raising and statue work may be 2 years or more. The cost of the statue will be 100% private funding. I will keep you updated when I receive the formal introduction to phase two. I just want to say thanks again to the Edison Team that made this happen, especially Senator Mark Wagoner. We all need to pinch ourselves to know this is real!!!

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EDISON, from Page 3

the honor of speaking with many citizens who are passionate about our states colorful history and I am grateful to be able to give them a chance to have their voices heard by a larger audience. An unbelievable amount of professional work went into the preparation for Ohioans to vote their choices from the ten nominees approved by the Study Committee. An educational brochure and voting material package was distributed to 36 different voting locations across Ohio. Materials were also made available to the general public and the media. All information was available in hard print copy as well as on the official web site www.legacyforohio.org. Media coverage of the statuary vote was extensive throughout Ohio. A very comprehensive curriculum booklet with lesson plans for Ohio teachers covered the 10 nominees. This material allowed Ohio schools to participate in learning about all ten of these great Ohioans. Even podcasts were prepared to further the information available to students and the public via the computer. During the official voting timeline, all ten candidates were represented in Columbus at the Ohio Historical Society. This was yet another opportunity to exhibit the greatness of all the nominees. It was also another great chance for families from all across the state to participate in this free educational event and vote for their choice. Again, media coverage was extensive. Not only were all the museum partners doing their special events, but the Statuary Study Committee members were all very involved as they scheduled their own town meetings or various press conferences to further educate and inform the public about the Statuary process and voting procedures. The entire voting process was very exciting all over the state and certainly a lot of Ohio history was uncovered and reviewed. Before and during the voting process, the Statuary Study Committee was very clear in emphasizing the vote of the people will be the single, greatest factor in

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determining the final selection of Ohios representative in Statuary Hall. Considering this, after the votes were tallied, many if not most Ohioans, including the media, had Edison already in the Capitol. But not so; back to the committee. Todd Kleismit, Director of Government Relations for the Ohio Historical Society provided a very comprehensive report to the National Statuary Collection Study Committee at the conclusion of public voting. In one paragraph of his report he writes, At the outset of the process, I would have been very impressed with 25,000 votes. As you know, we received almost double that 48,736 Ohio ballots were received. More than 26,000 adult votes and over 22,500 student votes were received over the 85-day vote period from March to June. That means, on an average day this spring, about 573 Ohioans were thinking about Ohios place in history and participating in the process to help determine Who Should Stand For Ohio? Not because they had to, but because they were empowered to. When the final vote tally was certified by Ohio-based certified public accounting firm Rea & Associates, Thomas A. Edison was the top vote-getter. The Wright Brothers came in second, followed by Jesse Owens and William M. McCulloch in the top 4 spots. On Aug. 26, 2010, the full Statuary Committee met to vote its recommendation for Ohios representative to Statuary Hall. After a full, extensive review of the entire process, the National Statuary Study Committees vote was unanimous to recommend Edison as Ohios replacement statue for Governor

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WILLARD, from Page 1

North Coast Business Journal

community and circulation levels have remained consistent. The Willard Memorial Library also has a new director, Laura Lee Wilson, which comes after the retirement of long time director Cinda Bretz-Wallace. Think about that: Over $100 million dollars will have been invested in Willard during one of the hardest economic times in Americas history. I do not know of any other city the size of Willard in Ohio that has had this kind of influx of money during these tough economic times. This will not only be good for Willard, but also for Huron County, because businesses will be more apt to look at Willard and our surrounding area to call home. If you are a new business or looking to expand, I personally invite you on behalf of the City of Willard to check out Willards Industrial Campus. Pepperidge Farm utilizes one building as their Flexible Packaging Center, and the local MTD plant also utilizes space in the 100,000 square foot warehouse facility within the Industrial Campus. A 56,000 square-foot building has been built and is available for occupancy. In addition, there are four

July 2012

oring the Possibilities of Starting, ying or Expanding a Business?

Small Business Basics

scover what it takes by charting your course with

of pride in working to improve residents quality of life. If you have Center will be relocating to their new any questions, please call Brian at 419facility, which will be directly next to 933-2591. Willard City School is currently the new hospital. The facility will also be changing their official name to moving forward with the plans and The Willows at Willard. The new development of what will be a $52 complex will include bigger living million ($31 million from grant quarters, an enclosement leading funding), Pre-school through 12th directly to the hospital, and will grade building that will open around feature twenty assisted living the fall of 2015. The levy was passed apartments. This investment by on May 3, 2011. The new school will Trilogy Health Services, LLC also be located on the current campus, shows their belief and pride in Willards which will allow for the majority of kids to still be able to walk to school. bright future. The City of Willard offers many The new school will be able to serve family activities throughout the year our kids with the best of education to promote a higher quality of life. and technology for many-many years There are several recreation programs to come. Also, the newly remodeled including: A successful Festival in the and recently dedicated Robert L. Hass Park; a weekly concert series in the gymnasium will be able to be kept, as park; little league baseball; summer this gymnasium holds a special place swim club; Easter and Halloween in the heart of Willard residents. The activities; and several facilities football field and track will be left in available for public use. The main there current locations. However, the City Park on Willard West Road has tennis courts, baseball field, and been updated with some new softball field will be moved by the fall playground equipment and new of this year to a new sports complex, obstacles have been added for presented by will be located off of Dean the which skate park. Ohio Small Business Development Center The Willard Soccer Street and Crestwood Street in Willard. Complex on Keefer Street, 12 acres of Moving these fields will allow for at Terra Community College soccer fields, had new bike racksa free, two-hour seminar that Small Business Basics is groundwork to begin on the new installed, trees planted, and your questions about starting, buying set to begin around will answer a flag pole school, which is or mounted. The City of Willard has This seminar will 2013. expanding a small business. the spring of take the Extension Library District of been recognized by the National Arbor andThe you to avoid costly confusion out of your efforts Huron County (services Greenwich, help Day Foundation as a Treeand unnecessary steps. City USA for mistakes 32 consecutive years. Also, Willard North Fairfield, Wakeman and Willard) Learn the was also was acknowledged by the American Basics of: delighted to see their library Name Registration Licensing Taxes Advisors Automobile Association for our traffic levy pass on May 3, 2011. Since the Business Entities Employees Insurance this levy safety efforts, which includes more passing of Financing will raise $392,124 than 52 years without a Business Planning and More! five years, the Extension pedestrian annually for fatality, which is the best record in Library will divvy the funds to each The Willard Northeastern Ohio. The City Sponsored by also library accordingly. Citizens Bank Croghan Colonial Bank boasts having programs like a school Memorial Library will use part of their resource officer, the Annual Bank First Merit Bank Fifth Third Bike share to restore hours previously cut Rodeo, and participates in the Hispanic because of budgetary reasons. The Heritage Festival. First National Bank Key Bank Willard City Willard Memorial Library has always Manager, Brian Humphress, takes a lot played a vital part in the Willard

lots available to build your light manufacturing operation and/or warehouse. The City of Willard has a strong infrastructure and can provide you with all the utilities necessary to make your business a success. Willard also has ample water available at low cost. The City of Willard, Willard Area Economic Development Corporation, the Willard Area Chamber of Commerce and many other organizations work hard to ensure a positive business environment and quality of life in Willard. Willard has a beautiful park system, several family activities and events throughout the year, and is only three miles away from Holiday Lakes, which offers 12 miles of shoreline. Willard can serve and meet your business needs, please contact the Ricky Branham, executive director of the Willard Area Economic Development Corporation (WAEDC), at 419-935-1888 or by email at willardareachamber@yahoo.com. Don Graham, Graham and Associates, currently serves as the President of WAEDC, and can be reached at 419933-2081.

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YOUR COMMUNITY LENDER

Serving the Financial Needs of Our Friends and Neighbors Since 1921

Locations and Times

Small2012 Schedule Business Basics

Dates Jan. 4 Feb. 1 Mar. 7 Apr. 4 May 2 Jun. 6 (no July) Aug. 1 Sept. 5 Oct. 3 Nov. 7 (no Dec.) Jan. 11 Feb. 8 Mar. 14 Apr.11 May 9 Jun. 13 (no July) Aug. 8 Sept. 12 Oct. 10 Nov. 14 (no Dec.)

PNC Bank US Bank

Ottawa County Improvement Corporation 8043 W. SR. 163, Oak Harbor, Conference Room 9:30 a.m. 11:30 a.m. Tiffin Area Chamber of Commerc 19 W. Market Street, Tiffin Conference Room , 9:30 a.m. 11:30 a.m.

r Ou t ou es Ab ew Rat ! k N e s As ag ram tg g or Pro M &

Huron Office 427 Main St. Huron (419) 433-2437

Erie County Chamber of Commerce Jan. 18 Feb. 15 Mar. 21 Apr. 18 225 W. Washington Row, Sandusky, Conference Room May 16 Jun. 20 (no July) Aug. 15 9:30 a.m. 11:30 a.m. Sept. 19 Oct. 17 Nov. 21 (no Dec.) Terra Community College Jan. 25 Feb. 22 Mar. 28 Apr. 25 2830 Napoleon Road, Fremont, Building B, Room 101 May 23 Jun. 27 (no July) Aug. 22 4:30 p.m. 6:30 p.m. Sept. 26 Oct. 24 Nov. 28 (no Dec.)

Sandusky Office 207 W. Wash. Row Sandusky (419) 626-5576

Port Clinton Office 1840 E. Perry St. Port Clinton (419) 734-5568

Also Serving - Lorain - Amherst - Avon

To register, contact Bill Auxter at 800-826-2431 or bauxter@terra.edu.

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10 July 2012

North Coast Business Journal

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Edison Local Schools: Working Together to Inspire Exceptional Students Achievement

Submitted by Tom Roth, Superintendent The Edison Local School District has achieved the rating of Excellent from the Ohio Department of Education for seven consecutive years. This has not occurred by chance, it is due to the hard work and dedication of our students, teachers, staff, parents and community. This distinction would not have happened without the focus on academics and on our students held by all in the Edison community. In the classroom our staff and students focused on the State Standards to make certain that the students are prepared as they move along in school as well as into their lives. Student centered classrooms focus on the needs of our students helping to ensure their academic success. Students at Edison High School piloted a program where they used Kindle readers for everything in their Language Arts class. The readers were not only used to read novels and short stories, but also to complete assignments and take tests. This program is just one way that our students are using new technology in the classroom to develop 21st Century job skills. The fifth grade students at Edison Middle School participated in the Challenger space mission project this past year. The project brought space science to life for the students. They prepared for the project in class learning about space in science and it culminated in a simulated space shuttle mission at the Challenger Learning Center where all students were given a role in completing the Space Shuttle mission. Our academic successes are not only evident in the classroom, as many of our students have shone brightly outside of the classroom in various events throughout the 2011 12 school year. It all

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began with our middle school students. The 8th grade academic challenge team finished 1st in the Erie County tournament. The 8th grade Power of the Pen team was well represented at the State event with four of the team members qualifying to participate. This was after their first place finishes at both the district and regional competitions. Not to be outdone our High School students excelled this past year also. The academic team finished 3rd in the regular season of the Firelands Challenge competition, the mock trial team qualified for the State Tournament for the first time in school history and Speech and Debate Team had its best year ever with several students participating in the State event with a State Champion coming home in the Oratorical Interpretation competition. Edison High will be adding a new course this coming school year, Multimedia Communications. The course will give students hands on experience creating and publishing media clips. They will learn everything from start to finish in the creation, editing and production of media clips. The music and drama departments excelled as always. They put on several performances which never disappointed. The highlight for the year was the performance by the band and show choir at the Edison Festival of Lights in Florida in February. The Edison Athletic Department had a stellar year during the 2011-12 school year. It was highlighted by several conference championships at both the middle and high schools, regional appearances by the volleyball and baseball teams, an appearance by the softball team in the state semi-final game and state qualifiers and placers in track and wrestling. As we conclude the school year we congratulate our graduating seniors and wish them the best in their futures!

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NRA Announces the 2012 National Championships at Camp Perry

The 2012 National Rifle and Pistol Championships begin July 9 at Camp Perry in Port Clinton, Ohio. Conducted by the National Rifle Association (NRA) and the Civilian Marksmanship Program (CMP), with assistance from the Ohio National Guard, these matches are often referred to as the World Series of the Shooting Sports. A tradition at Camp Perry since 1907, the championships are divided into five separate phases: Pistol, Smallbore 3-Position, Smallbore Prone, High Power and Long Range. NRA President David A. Keene said The NRA, CMP and the Ohio National Guard work together and will continue to do so to make the National Championships the most prestigious matches in the world. We welcome the competitors and know that, like those who have participated in the past, they will go home remembering their participation in these national matches as the high point of their competitive shooting sports experience. The National Matches begin in early July with the First Shot Ceremony and conclude in August with the Long Range High Power Championship. Competitors represent a vast array of experience including novice shooters, Olympic medalists, law enforcement officers, military personnel and international competitors. Springfield Armory continues their sponsorship of the NRA/Springfield M1A Match while Nosler returns as title sponsor for the High Power Rifle Championships. Their support demonstrates a continued dedication to the shooting sports and allows for competitors to enjoy an enhanced awards schedule. The 2012 National Championships calendar is as follows: July 9: First Shot Ceremony July 10-14: NRA National Pistol Championships July 18-21: NRA National Smallbore Rifle Position Championships July 22-26: NRA National Smallbore Rifle Prone Championships Aug. 5: NRA/ Springfield M1A Match Aug. 6-10: NRA National High Power Rifle Championships Aug. 11-15: NRA Long Range Championship You can follow the 2012 Championships with profiles, photos and scoring updates at www. nrablog.com. For more on the National Rifle and Pistol Championships at Camp Perry, or other competitive shooting events or programs, visit www.nrahq.org/compete or call 1-877-672-6282.

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12 July 2012

North Coast Business Journal

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Estate
Family Limited Partnership or Limited Liability Company
Douglas Gildenmeister Senior Vice President, Investments Raymond James If you own and operate a family business, a family limited partnership (FLP) or family limited liability company (FLLC) could become a vital component of your estate plan. A properly formed and maintained FLP or FLLC can facilitate the transfer of your business to the next generation, protect assets from potential creditors, and minimize income, gift, and estate taxes.

asset

ProteCtion An FLP can provide some measure of asset protection for the limited partners. It generally takes a court order (called a charging order) for a creditor to reach a limited partnership interest, and even this only requires the FLP to pay income to the creditor instead of the partner until the debt is paid. In this case, the creditor does not become a substitute partner. He or she must wait until the general partner decides to distribute income (which may be a very long time). In addition, FLP assets are likewise protected from loss due to divorce. The general partner, however, does not receive the same protection and is personally responsible for the debts and liabilities of the FLP.

What

is an FLP/FLLC? An FLP is a special form of limited partnership where members of a family serve as general and limited partners. An FLLC is a corporate entity owned by family members who may or may not serve as managers. With an FLP, general partners run the business. Limited partners have no vote and no say about day-to-day operations, but, they have limited liability; they arent liable for the debts of the FLP in excess of their contributed capital. With an FLLC, all of the family members, even if they serve as managers, have limited liability (as with any corporate entity). Note: The rest of this discussion will refer to an FLP; however, the underlying principles apply to FLLCs as well. With a typical limited partnership, a general partner who has experience teams up with limited partners who have capital. In the family context, however, the senior generation typically starts out as both the general and the limited partners. They then gift the limited partnership interests to the younger generation. The general partners can gift as much as 99% of the business to the limited partners, keeping as little as 1%. This can be an ideal solution if you want to transfer ownership of your business to your children, but also want to keep control until they can gain experience and become competent enough to manage the business on their own.

inCome

tax Considerations An FLP is a pass-through entity for income tax purposes. This means that the IRS does not recognize an FLP as a taxpayer (as it does for a corporation), and income of the FLP passes through to the partners. So, you can shift business income and future appreciation of the business assets to other members of your family who may be in a lower tax bracket. The family as a whole can enjoy tax savings. Tip: The partners must report the income earned by the FLP on their personal income tax returns and are responsible for payment of any tax owed. Income is allocated to each partner based on his or her share of the contributed capital (i.e., pro-rata share).

Further, every taxpayer has an exemption from the federal gift and estate tax ($5,120,000 (plus any deceased spousal unused exclusion amount) in 2012), so transfers that do not fall under the annual gift tax exclusion will be free from gift tax to the extent of your available exemption. 2. Taking valuation discounts: You may be able to discount the value of the FLP interests given away. Thats because the limited partners have very restricted rights, such as: (a) the inability to transfer interest, (b) the inability to withdraw from the FLP, and (c) the inability to participate in management. These restrictions can result in a business value that is significantly less than the value of the underlying assets. These discounts can be considerable, totaling as much as 35%. The discounts available include the minority interest (lack of control) discount and the lack of marketability discount. 3. Removing future appreciation from your estate: Business assets generally appreciate (increase in value) over time. Distributing your assets among family members (through the FLP) freezes the current value and keeps any growth in value out of your estate later. You may have to pay gift tax now, but it will be less than if tax is calculated on a higher future value.

To consolidate assets into a single entity To keep the business in the family To decrease estate and probate costs Additionally, an FLP may own a closely held business (other than a corporation that has made an election to be taxed as an S corporation), real estate, marketable securities, or almost any other investment asset. Homes, cottages, or other personal use assets are normally not suitable for an FLP.

tiPs

FLPs

GiFt

and estate tax Considerations One of the most powerful advantages of an FLP is that it can help minimize federal gift and estate taxes. This is accomplished in three ways: 1. Leveraging the annual gift tax exclusion and gift and estate tax exemption: Gifts of interests in an FLP are subject to federal gift tax (and possibly state gift tax). However, you can minimize or eliminate your actual gift tax liability by transferring FLP interests in increments that are free from gift tax under the annual gift tax exclusion ($13,000 per recipient).

must ComPLy With state LaW and irs requirements An FLP is subject to more restrictive rules than other forms of business entities. Care must be taken to create a valid FLP in the eyes of the state and the IRS. An FLP will be recognized only if it is formed for a valid business purpose. The FLP form will be disregarded if the IRS or the state finds that it was formed solely to avoid taxes. Some specific purposes for creating an FLP include: To adopt a family succession plan To simplify annual gifting by the senior generation To minimize income, gift and estate taxes To protect assets from potential creditors To protect assets from waste by heirs

For ForminG and maintaininG a vaLid FLP: Have one or more substantial nontax purposes for creating the FLP, such as asset protection Keep good records Create the FLP while youre still in good health Observe all legal formalities when creating the FLP and while operating the business Hire an independent appraiser to value assets going into the FLP Transfer legal title of assets going into the FLP Put only business assets into the FLP--dont put any personal assets into the FLP If you do put personal assets into the FLP, such as your home, pay fair market rent for their use Dont commingle FLP assets and personal assets--keep them separate Never use FLP assets for personal purposes Keep enough assets outside the FLP to pay for personal expenses Distribute income to partners pro rata
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

July 2012

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My Partner
Edgewood Manor Earns Deficiency Free Health Survey
A deficiency free survey represents that all aspects of the facility are being operated by the guidelines set forth by the State Department of Health. Each department is thoroughly reviewed and evaluated by the Department, over 500 regulations in a span of four days. They found no areas of concern. Edgewood Manor has now joined a small group of facilities in the State of Ohio to earn such results. Lori Lieb-Opfer, CEO and Administrator of Edgewood Manor is elated with the results of the 2012 survey. I am so very proud of our team. Each and every member of our staff helped achieve this goal and earn a deficiency free health survey. Last year only 12% of Ohio facilities earned a deficiency free health survey. It is very rare and I couldnt be more pleased. Opfer added, We know that we come to work each day, in a difficult industry, and give 100% to the care of our residents. It is heartwarming for the Ohio Department of Health to agree! Edgewood Manor, owned and operated by Covenant Care, recently received many achievements from their corporate office as well. They were recognized for both their Operational and Clinical Excellence.

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14 July 2012

North Coast Business Journal

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Popular Wine Festival Flourishes

SanduSkyS ToaST of ohio Wine heriTage feSTival auguST 10 11, 2012
Just like the miles of vineyards in the Lake Erie Shores & Islands region the always popular Toast of Ohio Wine Heritage Festival, held on Sanduskys waterfront, is growing! To celebrate the areas heritage as the largest wine-producing region in the nation prior to Prohibition, the traditionally one-day event is expanding to include a Friday evening event as well as the Saturday wine tasting, gourmet food eating and art show shopping fun! The wine festivities begin Friday evening August 10th with a winetasting event held at three separate sites from 6-9 pm. The Merry-GoRound Museum, The Maritime Museum of Sandusky and The Sandusky Greenhouse will each host a portion of the evening event and wine tasting. Tickets for all the Friday evening fun are just $15 before August 5th, and $20 at the door. This covers transportation via a shuttle between the different locations, light appetizers and wine tastes. Patrons who attend Friday nights wine tasting event will gain free admission to Saturdays festival, by bringing their 2012 wine glass with them. Then Saturday, August 12th at the Sandusky Bay Pavilion (605 East Water Street, Sandusky) the Toast of Ohio Wine Heritage Festival, now in its eighth year, will kick off with twelve Ohio wineries, gourmet food, live musical entertainment and an artists showcase. Admission is just $5.00 per person and includes a souvenir Toast of Ohio wine glass and two complimentary wine tastings. Admission fees benefit the sponsoring museums, the Maritime Museum of Sandusky and Merry-Go-Round Museum. The Lake Erie Shores & Islands once featured huge vineyards that spread from east of Sandusky to the western region near the bay because of the lakeshore climate. The Toast of Ohio event was developed to celebrate the areas winemaking heritage. Today, dozens of wineries still operate in the region. Make a weekend of it with lodging packages available at SHORESandISLANDS.com and tour the areas wineries. Other event sponsors include Ohio Grape Industries and Lake Erie Shores & Islands-East Welcome Center.

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North Coast Business Journal

July 2012

15

Legal
FDIC- Personal Accounts
By Jeff Roth With all of the national concerns, even protection of our funds in a nationally insured banking institution can be at issue. Several years ago the government increased the amount of coverage from $100,000.00 to $250,000.00 per depositor, per insured bank, for each account ownership category. The government devised a very complicated formula to determine exactly how much would be protected. It combines the entire depositors like accounts in the calculation. Protection is granted based on ownership and stated beneficiaries. more individuals. This would include Joint with Right of Survivor or Tenants in Common. Each person may have a total of $250,000.00 in any one banking institution. Each owner is considered to have an equal ownership interest unless clearly stated otherwise. If there are three owners then each has a one-third ownership. Each co-owner must have signed the signature card and have an equal right of withdrawal. If a person has $200,000.00 in various individual accounts and is a one-half owner of an account that has $160,000.00 then he or she will have coverage of a total of $250,000.00 and $30,000.00 will not be covered. All accounts are considered taken together and the use of the social security number is not relevant for insurance protection qualification. protected up to $250,000.00 in EACH banking institution. It is irrelevant how many beneficiaries are listed. The only determination is $250,000.00 for each owner in each banking institution. Remember, this relates only to money accounts in an insured bank. This has nothing to do with stock. If an individual has seven different accounts ranging from $20,000.00 to $100,000.00 and many beneficiaries listed such as children and grandchildren only a total of $250,000.00 is covered and the balance is uninsured. My recommendation if you have considerable funds in several accounts at one banking institution is to have the accounts reviewed with a qualified bank employee. This will give you the comfort of knowing that the funds are totally protected with the full faith and credit of the United States. ncbj1111AHAC.pdf 11/2/11 11:18:48 AM Jeff Roth is a partner with David Bacon and associate Jessica Moon of the firm ROTH and BACON with offices in Port Clinton, Upper Sandusky, Marion, Ohio and Fort Myers, Florida. All members of the firm are licensed in 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 ohiofloridatrust@aol.com (telephone: 419-732-9994) copyright Jeffrey P. Roth 2012.

SINGLE ACCOUNTS
Single accounts are accounts that are held by one person in their individual name. The total of account protection for each banking institution is $250,000.00. This would include checking, savings, money market or certificate of deposits or any form of those listed. All of these accounts are added together and considered one for insurance purposes. It has nothing to do with the number of accounts but rather the ownership of the accounts. Included in this category are any business accounts that are held in a doing business as nature. The account is separate only if it is a corporation or totally separate entity and has its own identification number, otherwise it is included in the above account totals.

PAYABLE ON DEATH ACCOUNTS

This is an account with a stated beneficiary. One must know the correct rules to guarantee protection. These accounts protect the beneficiary. If there are two beneficiaries and one dies, coverage terminates as to that beneficiary and only half of the account would be covered. Bank input is important to insure proper protection on this type of account.

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INDIVIDUAL RETIREMENT ACCOUNTS

This is an account that is owned and directed by you and not the plan administrator. This includes, IRAs, Roth IRAs, 401(k), Keogh plans, simplified Employed Pension Accounts and all 457 accounts. All self-directed funds owned by the same person are added together and

JOINT ACCOUNTS
This is an account owned by two or

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NCBJnationwide0112.pdf

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Products underwritten by Nationwide Mutual Insurance Company and Afliated Companies. Home Ofce: Columbus, Ohio 43215. Subject to underwriting guidelines, review and approval. Products and discounts not available to all persons in all states. Nationwide, Nationwide Insurance and the Nationwide framemark are federally registered service marks of Nationwide Mutual Insurance Company. Copyright 2008 Nationwide Mutual Insurance Company. All rights reserved. ADP-2000 (9/08)

For more information, visit our website at pncpa.biz or call one of our two convenient locations. Norwalk Office 419-668-2552 Sandusky Office 419-625-4942

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17

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Our new Emergency Department is open and ready to serve you and your family. Its thoughtfully designed to continue to provide the same life-saving services youve always counted on, with expanded capabilities to help more patients, more efficiently, with our continued commitment to superior patientcentered care. Its all for you, and its all part of simply smarter emergency care at Fisher-Titus. To learn more about our new facility and to check out useful emergency care and prevention information, visit Fisher-Titus.org/emergency. Accredited Chest Pain Center Certified Primary Stroke Center Level 3 Trauma Center 29,500 Square-Foot Expansion 22 New Treatment Rooms 4 New Trauma Rooms Minor Treatment Area StateoftheArt Technology Expanded Registration Reception Area

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North Coast Business Journal

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EHOVE Meeting the Needs of Our Communities and Businesses

By Viki Kaszonyi, Director of Adult Education EHOVE Adult Career Center Adult Education . . . what images are conjured up in your mind by that phrase? Many people think of senior citizens learning to use email, or of people learning how to garden organically or to make their own pasta. Or maybe you thought of women learning self-defense or of 40-somethings sanding away on a newly constructed end table? While it is true that Adult Education has been, and still can be, all of these experiences, I am frequently surprised by the number of community members who do not realize all of the roles that Adult Career Centers play within our economic development and workforce training sector. Having served as the Director of Adult Education at EHOVE Career Center for the past four years, I can attest to the huge number of lives that we touch on a daily basis. When the economy plummeted in 2008, Adult Education whipped into high gear to respond to the huge need for retraining as people desperately searched for new careers that they could count on. EHOVE has continued to respond to this need by training people in our area for positions that our businesses need. We work hand-in-hand with business and industry representatives to make sure our educational programming is based on the actual skill sets that the employers are seeking. While that has always been the mission of EHOVE Adult Career Center, it was certainly put to the test during the Great Recession of these past four years. The speed of our response time has probably been the biggest change at EHOVE during my tenure. We pride ourselves on responding quickly to the needs of our students and business and industry, but this quality was certainly put to the test as businesses pushed their employees to expand their skills. Local businesses needed to maintain a positive fiscal state and utilize workers effectively, new companies expected workers with specific skills and economic development leaders requested industry-standard training from EHOVE when attempting to woo a potential industry to settle in our area. We also faced challenges when displaced workers, freshly wounded by a lay-off, arrived at our doorstep, unsure of which direction to go in, but secure in the knowledge that they needed some kind of retraining. Many times, these students had worked for 20 or more years on a

Left to right EHOVE Medical Assistant students Berlyn Buczek from Vermilion and Jordan Norman of Port Clinton practicing CPR techniques job openings and we are happy to connect them with the right graduate to fill their specific needs. We track our students as they receive their industry credentials and as they are hired. EHOVE has internships built into almost every career development program offered for those very reasons. If you look around in your community, you will most likely find firefighters, police officers, nurses, medical assistants, massage therapists, cosmetologists, secretaries, chefs, marine mechanics, and surgical technicians (just to name a few!) who have all received their training at EHOVE Adult Career Center. EHOVE Career Center is a leading career tech school in Milan Township. This high school and adult education facility draws students from a variety of locales, and serves multiple school districts as well in Erie, Huron and Ottawa Counties. Students are given the opportunity to take challenging academic classes in a customized and relevant curriculum to prepare them for a specific career or college, and learn skills to advance in the trade of their choice, for now or the future. A wide variety of career paths and training opportunities are available for many professions. More information is available at www. EHOVE.net.

manufacturing line. Now desiring a job with security, benefits and, oh yeah, decent wages, they had decided to go into a completely different line of work, such as business or healthcare. We found ourselves not only teaching our usual curriculum of office skills, medical terminology or accounting, but also adding in units about customer satisfaction, work ethics and confidence building. Often times, I am asked about the difference between an adult career center and a community college. They are both post-secondary institutions governed by the Ohio Board of Regents serving the needs of the adult learner, but also serve some very different purposes as well. The main difference with an adult career center such as EHOVE is that our programs are offered in hours, rather than a semesterized credit system. We provide training and education that leads directly to an industry certification/licensure and a job. Students may need a program of training that is 750 hours in length or 1200 hours in length. The classes may meet only on Saturdays, or four evenings a week. Students who need or desire to go on to an Associate or Bachelor degree can often have their career center coursework accepted as college credit during their transition from the one-year option to a Left to right EHOVE Medical Assistant students Alisa Logan from Clyde and degree program. Jacob Bodi of Sandusky practicing bandaging techniques Many employers call us to fill their

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North Coast Business Journal

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Nobody likes to talk about chest pain.

But you need to have a plan just in case.
Kelly Guseman, Owner of Kelly Graphics, displays sequined appliqu that can be created on apparel for several local schools. Photo credit: Kaitlyn Davis.
Sharon Haver began experiencing what she thought was acid reflux. She was leaving to go to the store to get anti-acid medicine when the pain became stronger and she began to sweat. It was then that she realized it wasnt acid reflux. She began to shake, and knew it was time to call 911. The squad arrived quickly. When Sharon arrived at the Mercy Tiffin Hospitals emergency department, she saw Laura Gaietto and Craig Hepp. She said to them, Dont let me die. Laura and Craig responded, Not on our shift Sharon. Sharon said that the entire emergency department staff stayed close to her and knew exactly what to do. They assured her that there was a Chest Pain Accredited team taking great care of her and everything would be okay. Laura Gaietto continued to hold her hand. Dr. Michael Fitzpatrick said that she needed to be transported via Life Flight. Within 40 minutes of her arrival at the emergency department, Sharon was on her way to Mercy St. Vincents Medical Center. Sharon credits her remaining life to the treatment she received at Mercy Tiffins emergency department. Laura and Craig are truly angels of Mercy, said Sharon. They saved my broken heart.

Sequins and Tie Dye and Zebras? Oh My!

Kelly Graphics in Milan is busy these days decorating creative apparel with pizzazz. In the sixteen years weve been in business, weve lately put much more emphasis on spirit wear for surrounding area schools, says owner, Kelly Guseman, but we want to remind people that we are a full service printing, screen printing and embroidery establishment. From business marketing pieces to dance and cheer attire, we provide pretty much anything our customers request and are dedicated to fast turnaround, fair pricing and strong customer satisfaction. Kelly Graphics offers a laundry list of printed products and services from decals, banners, brochures and postcards to graphic design services such as customized photo collages and business logo designs. What makes us unique, I think, is that we will create a single T-shirt for a customer one day and work on hundreds of pieces for a larger company the next, says Guseman. With such an influx of online printing businesses, weve managed to stay competitive pricewise and still maintain a brick and mortar storefront. Thats been the real struggle for this small business during these financially challenging times. I think providing face to face interaction and a place where people can try things on, touch and feel paper stocks, etc. is still very important to customer satisfaction. Kelly Graphics has also worked for several years in conjunction with BGSU Firelands providing student cooperative educational opportunities in the Visual Communications Technology program. Students gain real-world experience in the industry while accumulating college credit for the semester. Im proud to see that over the years a string of interns have gone on to be very successful in this field, says Guseman. Current intern Kaitlyn Davis has been busy honing and crafting her computer design skills. I feel as though I am learning so much about graphic design and print, and I absolutely love it! I enjoy having a variety of projects to work on such as T-shirt designs, collages, business cards and other projects. Kelly is such a great mentor, and has already taught me so much, especially since I am working one-on-one with her. I simply couldnt ask for a better experience, says Davis. Kelly Graphics can be found on facebook.com/kellygraphics and is located on the Milan Square at 3 North Main Street. Call 419-4999929 or email kellygraphicsmilan@ gmail.com for a quote on your next printing or apparel decoration project.
If you experience chest pain along with any of the following symptoms of a heart attack, call 911 immediately: Pain and/or squeezing sensation of the chest Shortness of breath Sweating Indigestion Arm pain or upper back pain General feeling of illness

I thought it was acid reflux until I began to sweat.

Mercy knows
St. Anne St. Charles St. Vincent

by heart.
mercyweb.org
Childrens Defiance Tiffin Willard

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North Coast Business Journal

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21

The Well-Booked Business

By Cathy Allen Biographies and memoirs make great beach reading - especially for those of us lucky enough to have the beauty of the North Coast on which to enjoy a staycation. Ive long been drawn to booklength works by highly-skilled journalists, long-format studies of interesting subjects -- including their own lives. In the last year or so I have read four outstanding autobiographical works by highly successful women, each of whom wrestled in her own way with honoring her worth. Taken together or individually, these authors provide a wonderful boost for any professional or business woman who has struggled to name a fair price for her products or services. Ill summarize two here and two more in August. Summer reading anyone? Audition: A Memoir by Barbara Walters. Alfred A. Knopf, 2008. SUMMARY: Those of us who have a brother or sister with a disability can instantly recognize the truth in Walters description of how the need to achieve, to succeed, and to become prosperous enough to assume responsibility for her sibling was planted at an early age and drove her throughout her life. Without the motivational spark provided by her elder sister, Jacqueline, Walters trailblazing career might never have happened. Her decades-long career of firsts - among them becoming the first woman to anchor a nightly news broadcast - was set in motion as a child and continues long after others might have chosen a comfortable retirement. KEY LEARNINGS: Early in her career, Walters was satisfied with union scale wages, even as the men around her were earning far more. Rather than feeling angry, she felt insecure and replaceable. She reports at length on the process of finding her voice and standing up for herself as a professional, not over questions of money, but over questions of fair recognition for her work and accomplishments. She calls a confrontation with NBC brass in 1971 a milestone in her career, where instead of swallowing an insult, she courageously and uncharacteristically spoke up and won contract concessions that allowed her to creatively invent her work role. By 1974, she was the first woman co-host of a morning news program. Though uncomfortable as the center piece in the gender wars, Walters knew that her career success was inspiring women everywhere. Roundly criticized when she left NBC for a multi-million dollar contract with ABC in 1976, Walters nonetheless stuck it out, survived Gilda Radners Baba Wawa routines, and went on to blaze a trail for women journalists everywhere. Shes especially proud that 30 years later, Katie Couric could make a similar move for several times the money and be praised for it. Walters indicates that she always found it easier to make a decision at work than in her personal life. Which bit of tape to leave on the cutting room floor, for example, or which question to ask a world leader was simpler to decide than how best to help her aging parents or which man to let into her life. She also reports being more introverted and shy offcamera than on, a hint that she may be more like the rest of us than she appears. Knowing Your Value: Women, Money, and Getting What Youre Worth by Mika Brzezinski. Weinstein Books, 2010 SUMMARY: Tremendous acclaim and high ratings as the co-host of MSNBCs Morning Joe program was the biggest up so far in a 20-year career of ups and downs for Mika Brzezinski. But it wasnt enough. Once she bought her on-air clothes, took care of her hair, and paid the child care bill, her checkbook was in the red. Worse, her male counterpart was making 14 times her salary. But Brzezinski took full responsibility for her situation, saying ...if you dont demand what youre worth, and if you dont communicate it well, you wont be treated fairly. She began asking other women about their efforts to receive fair compensation for their work, and the resulting book is a treasure-trove of advice for those who might otherwise settle for less. Chock full of pithy words of wisdom from some of the worlds most successful women, and backed with a stack of social scientific research, this book is an entertaining how-to guide for standing up for yourself. KEY LEARNINGS: One of the most important of her early-career mistakes was in believing that contract discussions would go well if only she made a strong case for why she needed additional money, rather than making the case for the value she produced for the network. She also believed that working hard and well would prove her worth, when in fact it was only creating more opportunity to work hard and well - and for less money than those who expected more money. Citing research being conducted at universities across the country, Brzezinski points out that: Men seek raises 85% more often than women do, and ask for 30% more when they do. Men think of themselves as more successful than women do, and are more likely to attribute their achievements to their own skill whereas women are more likely to attribute them to outside factors, including luck. Women CEOs are actually more valuable to their companies, because they pay less for acquisitions and bonuses. They are also more collaborative, leading to additional cost savings. Men are more likely than women to know what their peers make, a key bit of information when it comes to determining the market value of ones work. Working mothers have the widest wage gap: womens earnings decrease for every child they have. It is ineffective for most women to adopt male-identified behaviors, such as assertiveness, as it appears inauthentic. We need to learn from men, and the value they place on themselves, but not try to emulate them. When we are discussing our compensation or establishing our work responsibilities we need not be apologetic or over explain our position. We should be persistent and ready to walk away. When Barbara Walters overcame her fear of failure and her tendency to back down in the face of opposition from network executives, she broke a part of the glass ceiling and allowed many, including Mika Brzezinski, to gain more control of their work lives and take home a greater share of the wealth. In 2012 it is still up to each of us to do the same for ourselves. Cathy Allen is the owner of Creative Option C, LLC, a facilitation and organizational development consulting firm in Marblehead. Learn more at www.CreativeOptionC. com. Cathys celebrates her life-long love of books at a new website -www. WhatIsCathyReading.com. She invites visitors to download her twopage summaries, comment on her blog, or connect to a fabulous network of independent booksellers.

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

jbryden@ncbj.net

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CHAMBER CALENDARS for July

Bellevue ChamBer
18 26 Annual Golf Scramble Green Hills Golf Course Registration at 11:00 a.m. Shotgun start at noon. Open Air markets Every Thursday thru August 4:00 p.m. to 7:00 p.m. City parking lot 12 25 Chamber Board Meeting 5:30 p.m. Genoa Retirement Care Center Chapel room Genoa Civic Theatre Board Meeting 7:00 p.m. Genoa Town Hall, 2nd Floor 26 28 Business After Hours Guiding Hands Home Health Services 5:00pm-7:00pm Downtown Oak Harbor Farmer's Market Flat Iron Park 9:00am-1:00pm 28 Main Street Port Clinton Downtown Committee Meeting 8:30 am, MSPC Office

sandusky County ChamBer of CommerCe

24 Chamber Ambassador meeting 8 am, location TBD

erie County ChamBer of CommerCe

18 Family-Oriented Business After Hours Camp Sandusky 3518 Tiffin Avenue 5:15 p.m. RSVP to 419.625.6421 by July 16.

huron County ChamBer of CommerCe

11 Gateway Sign Committee meeting, 8:00am, Chamber office Business After Hours Janotta & Herner 309 Monroe St., Monroeville, 5 - 6:30 pm. All members welcome. Huron County Safety Council Kickoff meeting, 11:30 am, Norwalk High School

Port Clinton area ChamBer of CommerCe

Business After Hours 5:00 - 7:00 p.m. Hosted by Black Swamp Bird Observatory and Ottawa County National Wildlife Refuge River Front Live and Farmers Market at Jefferson Street Pier 5:00 - 8:00 p.m. Main Street Port Clinton 8:30 am Economic Restructuring Committee Meeting at MSPC Office Main Street Port Clinton 8:30AM Organization Executive Committee Meeting at MSPC Office Sunset Cruise on the Jet Express 7:00 p.m. Chamber Board Meeting 8:30 am, Chamber Office Main Street Port Clinton Design Committee Meeting 3:00 p.m., MSPC Office Main Street Port Clinton Board Meeting 8:30 am, MSPC Office (Dusk) Pictures in the Park Featuring Happy Feet Port Clinton Chamber Foundation Meeting 9:00 am

seneCa reGional ChamBer of CommerCe & visitor serviCes

11 14 20 24 Chamber of Commerce Board Meeting, 7:30 am Downtown Tiffin Farmers Market 9 am to 1 pm. Ambassador Meeting Noon, Chamber Offices Please RSVP. Tiffin Area Safety Council 11:30 am at Moose Lodge 946, 1146 N SR 53.

6,13, 20,27 10 12 16 19 20

fostoria area ChamBer of CommerCe

13 21 17 18 19 27 Golf Outing committee meeting - 1:30pm Chamber office Chamber Car Show 9am-2pm - Downtown Fostoria Streets "Meet me @ 4pm" Business Networking Event 4-6pm - St. Catherine's Safety Council 11:30am Fostoria Community Hospital Chamber Board Meeting 12:00pm Fostoria Community Hospital Golf Outing committee meeting 1:30pm - Chamber office

19

marBlehead Peninsula ChamBer of CommerCe

9 19 26 National Matches @ Camp Perry First Shot Ceremony 10:00 a.m., Business After Hours 5 to 7:00 pm Hosted by: Camp Runinmuck Executive Meeting 10:00 am, Chamber Office

vermilion ChamBer of CommerCe

8, 15, 22,29 14 19 Concerts in the Park Sunday's in Victory Park at the Gazebo 7 - 8:30pm Vettemilion 9am-4pm Downtown Vermilion. 3rd Thursday, Music, Flowers and a Sunset 6:30 pm-Sunset, Downtown Vermilion

oak harBor ChamBer of CommerCe

3 19 Independence Day Celebration Downtown Oak Harbor Gates open at 5:00 pm, fireworks at dusk. Chamber Board Meeting 7:30 am Chamber Building

20-22 Citywide Merchant Sidewalk Sale Christmas in July Throughout Vermilion Three days of activities, entertainment and unique shopping. Santa arrives by boat, Farmers market and music

Genoa ChamBer CommerCe

of

3,10, Farmers Market 17,24, 3:30 - 6:30 p.m. 31 Front lawn of the Town Hall.

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Sales
Winning Culture Through Coaching
By Roger Bostdorff The economy seems to be improving ever so slowly, but moving in the right direction. It is now time for an organization to focus on growing and improving their market share and profitability. If you are the head of this organization, or a manager in this organization, you presumably got there because of your expertise and/or previous success in this environment. Many times a manager, had success in an area that he/she is now managing. Sometimes doing the work is less difficult than managing the team to do the work. Sometimes it is challenging to let go. Maybe the reason is that the manager knows what he can do and does not trust his employee to deliver the results that the manager was able to deliver when the manager had the employees job. Maybe it is because the manager never had any/ enough coaching to understand what a manager/coach does to become successful. Many years ago when I first became a manager I had 9 sales reps working for me. When I was first introduced to them, one of the first comments out the mouth of Phil was You know that no rep in Cleveland makes their quota two years in a row. My question back to him was, Phil, how did you do last year? He replied that he had done quite well. Needless to say my work was cut out for me. I was making a sales call a month or two later with Phil. We planned out ahead of time what we were trying to accomplish in the call. We went into the call and I attempted to keep my mouth shut but as I saw Phil start to handle the call in a different manner than I would have handled it, I stepped in and took over. When the call was over and we reviewed the call in the car I was a bit irritated that Phil had gone off of the direction that we had previously discussed. In essence I was saying that he had messed up, which necessitated me stepping in. I will never forget his comment back to meIf you had not stepped in I could have handled the situation. I was going to do X, Y and Z to bring it back to our goal. How am I ever going to learn if you always take over? I learned something that day. As I rode back to the office in silence I learned that I was not being the manager or coach but attempting to be the super rep. With 9 reps working for me there was not enough of me to go around selling in 9 territories. My job as manager /coach was to teach, motivate and guide my team. They had to do the work, but it was my job to insure that they were guided in a way to increase their odds of success. Three years later I was promoted to another position. Phil made quota all three years for our unit. He became a leader. My last year in the position I was assigned 6 brand new rookie reps so I was spending a significant amount of time with them and little time with Phil. At my promotion party Phil came up to me and thanked me for staying on top of him relative to working his territory. I explained that due to the 6 new reps I sort of felt that I had not spent the time with Phil that I had invested in the two previous years. Phil said that he disagreed. He told me that every morning when the shower hit him in the face he asked himself the question, Who are my top 10 prospects and what do I have to do to win the business? I responded to Phil that I could not recall all year asking that question of him but once or twice. His response was classic. Phil said, I know, but I also knew that one day you were going to ask that question and I damn well had better have the answer. I get emotional every time I tell that story because it proved to me that I had become a manager not just a super rep. I had taught, motivated and guided Phil and the rest of my team. Now I ask you, if you are a person who has people working for you, are you teaching, motivating and guiding your team or are you trying to do it all for them? As you work each day are you becoming more and more disgruntled with your job and the people working for you? Teach them and trust them, most folks want to be a good employee! Leverage your skills across your team. This increases your teams odds success. Roger Bostdorff is the President of B2B Sales Boost, LLC. He spent over 30 years with IBM in sales and sales management. B2B Sales Boost is a consulting company helping organizations improve their top line revenue and bottom line profits. You can find more about B2B Sales Boost on the web at www. b2bsalesboost.com or calling 419351-4347. If you would like to receive the B2B Sales Boost Newsletter please send an email to sales@b2bsalesboost.com

Reaching over 23,000 readers in five counties every month

MEANS BUSINESS!

NCBJ readers are decision-makers: Nine out of 10 (91%) "make or have influence over purchasing decisions" for their company

Memorial Ear, Nose & Throat (E.N.T.) Specialty Care

James M. Williams, M.D., Ph.D.
Memorial Ear, Nose & Throat Specialty Care physician James Williams, M.D., Ph.D. specializes in treating adult and pediatric ear, nose and throat conditions, including surgery for head and neck disorders.
605 Third Avenue, Fremont (Building A on the campus of Memorial Hospital) Office: 567.201.2890 (This is a local call in Fremont)

memorialhcs.org/ENT

For an appointment with Dr. Williams, call his office at 567.201.2890.

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or a resident of the U.S., Canada, or Mexico. Your parent can qualify as your dependent even though he or she doesnt live with you, provided the support and other tests mentioned above are met. Amounts you pay for qualified long-term care services required by your parent and eligible long-term care insurance premiums, discussed above, as well as amounts you pay to the nursing home for your parents medical care, are included in the total support you provide. If the support test ((a) above) can only be met by a group (you and your brothers and sisters, for example, combining to support your parent), a multiple support form can be filed to grant one of you the exemption, subject to certain conditions. Qualification for head-ofhousehold filing status. If you arent married and you are entitled to claim a dependency exemption for your parent, you may qualify for the head-of-household filing status, which is more favorable than the single filing status. You may be eligible to file as head of household even if the parent for whom you claim an exemption doesnt live with you. In order to qualify for head-of-household status, generally you must have paid more than half the cost of maintaining a home for yourself and a qualifying relative for more than half the year. In the case of a parent, however, you may be eligible to file as head of household if you pay more than half the cost of maintaining a home that was the principal home for your parent for the entire year. Thus, if your parent is confined to a nursing home, you are considered to be maintaining a principal home for your parent if you pay more than half the cost of keeping your parent in the nursing home. Exclusion of gain on sale of your parents home. If your parent sells his or her home, up to $250,000 of the gain from the sale may be taxfree. In most cases, the seller, in order to qualify for this $250,000 exclusion, must have (a) owned the home for at least two years out of the five years before the sale, and (b) used the home as his or her principal residence for at least two years out of the five years before the sale. However, there is an exception to the two-out-of-five-year use test under (b) if the seller becomes physically or mentally unable to care for him or herself at any time during the five-year period. Your parent can qualify for this exception to the use test if, during the five-year period before the sale, your parent (1) becomes physically or mentally unable to care for him or herself, and (2) your parent owned and lived in the home as his or her principal residence for a total of at least one year. Under this exception, your parent is treated as using the home as his or her principal residence during any time during the five-year period in which he or she owns the home and resides in any facility (including a nursing home) licensed by a state or political subdivision to care for an individual in your parents condition. Exclusion for payments under life insurance contracts. If your parent is terminally or chronically ill and is insured under a life insurance contract, he or she may be able to receive tax-free payments (accelerated death benefits or so-called viatical payments) while living. Any lifetime payments received under a life insurance contract on the life of a person who is either terminally or chronically ill are excluded from gross income. A similar exclusion applies to the sale or assignment of a life insurance contract to a person who regularly buys or takes assignments of such contracts and meets other qualifying standards. These lifetime payments could be used to help pay the costs of your parents nursing home. Reverse mortgage as alternative to nursing home. It is often desirable for an elderly person to remain in his or her own home with proper in-home care rather than entering a nursing home. A reverse mortgage loan may make this a feasible alternative. Many states permit a reverse mortgage loan, which is designed to permit elderly persons with limited income to remain in their homes by borrowing against the value of their homes. Typically, a bank commits itself to a principal amount based on the appraised value of the property, which is loaned to the borrower in installments over a period of months or years. The monthly installments can be used to help pay for the upkeep of the home and for in-home care. Repayment of the loan is due when the principal amount has been fully paid to the borrower, or the residence that secures the loan is sold, or the borrower dies or ceases to use the home as his principal residence. The loan agreement may provide that interest will be added to the outstanding loan balance monthly as it accrues. However, the borrower cant deduct this interest until it is actually paid. (Authors note: This article is not intended to offer professional tax advice. Please consult your tax advisor.)

Taxes
Tax Aspects of a Parent Entering a Nursing Home
By: Jeffrey J. Rosengarten, CPA Payne, Nickles and Company Often questions come up regarding the tax implications of a parent entering a nursing home. There are a number of tax matters that may come up and following is a summary of the more common implications. Deductibility of long-term medical care services. The costs of qualified long-term care, including nursing home care, are deductible as medical expenses to the extent they, along with other medical expenses, exceed 7.5% of adjusted gross income. Qualified long-term care services are necessary diagnostic, preventive, therapeutic, curing, treating, mitigating and rehabilitative services, and maintenance or personal-care services required by a chronically ill individual provided under a plan of care presented by a licensed health-care practitioner. To qualify as chronically ill, an individual must be certified by a physician or other licensed health-care practitioner (e.g., nurse, social worker, etc.) as unable to perform without substantial assistance at least two activities of daily living (eating, toileting, transferring, bathing, dressing, and continence) for at least 90 days due to a loss of functional capacity, or as requiring substantial supervision for protection due to severe cognitive impairment (memory loss, disorientation, etc.). A person with Alzheimers disease qualifies. Deductibility of premiums paid for qualified long-term care insurance. Premiums paid for a qualified long-term care insurance contract are deductible as medical expenses (subject to an annual premium deduction limitation based on age, as explained below) to the extent they, along with other medical expenses, exceed 7.5% of adjusted gross income. A qualified long-term care insurance contract is insurance that provides coverage only for qualified long-term care services, doesnt pay costs that are covered by Medicare, is guaranteed renewable and doesnt provide for a cash surrender value. A policy isnt disqualified merely because it pays benefits on a per diem or other periodic basis without regard to the expenses incurred during the specific payment period. Qualified long-term care premiums are includible as medical expenses up to the following dollar amounts: For individuals over 60 to 70 years old, the 2012 limit on deductible long-term care insurance premiums is $3,500, and for those over 70, $4,370. Deductibility of amounts paid to the nursing home. Amounts paid to a nursing home are fully deductible as a medical expense if the principal reason that a person stays at the nursing home is for medical, as opposed to custodial, etc., care. If a person isnt in the nursing home principally to receive medical care, then only the portion of the fee that is allocable to actual medical care qualifies as a deductible medical expense. But if the individual is chronically ill (as defined above), all of the individuals qualified long-term care services, including maintenance or personal care services, are deductible. Including medical expenses you pay for your parent as part of your deductible medical expenses. If your parent qualifies as your dependent under the rules discussed below, you can include any medical expenses you incur for your parent along with your own when determining your medical deduction. If your parent doesnt qualify as your dependent only because of the gross income or joint return test ((b) and (c), below), you can still include these medical costs with your own. Claiming a parent confined to a nursing home as a dependent. You may be able to claim your parent as a dependent, thus qualifying for an exemption, even though your parent is confined to a nursing home. To qualify, (a) you must provide more than 50% of your parents support costs, (b) your parent must not have gross income in excess of the exemption amount ($3,800 in 2012), (c) your parent must not file a joint return for the year, and (d) your parent must be a U.S. citizen

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Human Resources
Dos & Donts for Interviewing Questions
Submitted by Steven J. Krisfalusy Managing Partner Human Resource/Business Divisions SJK Beringer Group, Inc. It seems like at some point in our careers we all have interviewed someone. An interesting question I often ask is: Who taught you how to interview? The number ONE answer is: Noone! I just picked up things from interviews I was on. Decades ago that may have been ok but not today! Violating Federal or State Laws carries a high penalty and being a small business does not matter. You are responsible for being compliant and knowing the current laws even though they do change frequently. The responsibility of NOT making a mistake, even one time, is yours. In lieu of the liabilities I thought it made sense and helpful if I outlined a few of the acceptable and unacceptable questions to ask during an interview/ or on an application for new employees. The following denotes the question topic and potential correlating acceptable & unacceptable questions according to Federal or State laws. Topic: Citizenship/national origin Acceptable: Are you legally eligible for employment in the United States? Unacceptable: What is your national origin? Where are your parents from? Topic: Arrest & Conviction Acceptable: Have you ever been convicted of a felony? Unacceptable: Have you ever been arrested? Topic: Disabilities Acceptable: Can you perform the duties of the job you are applying for? Unacceptable: Do you have any disabilities? Topic: Military Record Acceptable: What type of education, training and work experience relevant to the job you are applying for while in the military? Unacceptable: What type of discharge did you receive? Topic: Education Acceptable: Do you have a high school diploma or equivalent; a university or college degree? Unacceptable: What year did you graduate from High School of college? Topics: Religion Weight Height Eye Color Acceptable: Only if there is a bona fide occupational qualification Unacceptable: ANY questions were there is no direct bona fide occupational qualification Topic: Attendance/Reliability relating to family responsibilities Acceptable: What hours can you work? What days are you unable to work? Unacceptable: How many children do you have? What child care arrangements do you have? Even though these are just a few examples, too many to list here, you can see how easy it can be to get in trouble for discrimination. Discrimination issues are the #1 area for HR or Labor law suits filed against small-mid sized firms. Unfortunately, many small businesses are more of a matter of when not if of this happening and then it is too late. What can you do? The first thing is to admit that you may not have the HR expertise in house and get some help. The next best step is to have a review of your current HR documents & procedures done ASAP. This will help identify the areas / topics that need to be changed and or updated, which you may be able to do yourself. All of that proactive effort to help protect the business is minimal when you consider what one law suit may cost plus a settlement not to mention the time you & your staff may have to devote. The clock is already ticking and now is a great time to get your HR systems in line. Submitted by Steven J. Krisfalusy, Managing Partner, Human Resource/ Business Divisions, SJK Beringer Group, Inc. , Managing Business and Controlling IT(440) 356-3636, ext.222; www.sjkberinger.com

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No Limits Salon Holds Ribbon Cutting

The Ribbon Cutting Ceremony and 1-year anniversary for No Limits Salon located at 129 E. Second Street in downtown was held early last month. The City of Port Clinton, the Port Clinton Area Chamber of Commerce and Main Street Port Clinton congratulated and thanked them for their commitment to the community.

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Memorial Hospital, ProMedica Sign Agreement

Memorial Hospital and ProMedica have signed an agreement to establish a long-term relationship, with the intent of Memorial Hospital becoming a member of ProMedica. As part of the next steps in this process, the organizations will notify the Ohio Attorney General. During the next several months, ongoing due diligence will occur; once the Attorney Generals office completes its review and all due diligence is completed, the two organizations will finalize the relationship. We are pleased that Memorial Hospital will be joining the ProMedica family, says Randy Oostra, President and Chief Executive Officer of ProMedica. Both organizations have community-based, Mission-driven cultures. By collaborating and expanding our clinical expertise, as well as broadening access to needed services, residents of northwest Ohio will experience more effective and efficient care. Memorial Hospital enters into this relationship in strong financial health, says Wes Oswald, Interim Chief Executive Officer. We have a long history in our community, and this relationship will allow us to continue to build on that history. Our two organizations have similar philosophies. We are both patient-centered and patientfocused, and are committed to providing the best care possible for our communities. This relationship will allow us to provide the right care at the right place, and at the right time.

Terra Trustees Name Building for Retiring President

The Board of Trustees at Terra State Community College has honored its outgoing president by dedicating a building in her name. By a unanimous vote, the board passed a proclamation putting Dr. Marsha S. Bordners name on the most recently renovated building on campus. It will become the Marsha S. Bordner Arts and Health Technologies From left, Sandra Berlekamp, Helene Zielinski, Center. At the conclusion of Don Nalley, Dr. Bordner, Nancy Grandillo, Susan Bordners final trustee Starr, Charles Knight, Carl Koebel and Sandra meeting, board chair Wise Carl Koebel surprised her by unveiling an exterior building extraordinary honor. Permanently sign with her name as well as a imprinting her name on campus by bronze plaque, a framed naming a building after her was the proclamation and a large portrait of appropriate step to take. The proclamation provided a Bordner all of which will hang inside review of Bordners accomplishments the building. Dr. Bordner has provided Terra during her nine years as president. with distinguished service and Highlights included a $2 million exceptional leadership for the past capital fundraising campaign, nine years, Koebel said. We had construction of the Skilled Trades already granted her president Center, conversion from quarters to emerita status, but felt her semesters, and creation of new allied contributions to Terra warranted an health programs.

An Uplifting Career Change: Buckeye Helicopters Now Tour the Islands

Not that many years ago, Chuck Dedden supervised high-rise building window installation and cleaning. Maybe it was the heights that inspired him into a career-shift that has, quite literally, soared. Dedden is now the owner of Buckeye Helicopters, well into its fourth year of providing aerial tours of the Islands, Marblehead and Cedar Point. Originally from the Cincinnati area, Dedden states he came to appreciate the beauty and business opportunities of our area when his company was recruited as an attraction by Port Clintons annual Walleye Festival. The business, now flies out of Putin-Bays airport from Memorial Day through Labor Day, and also employs two other skilled pilots necessary he says when busy days generate between 30-50 rides a day. (Dedden estimates theyve made over 15,000 take-offs and landings at the islands airport.) While ride prices vary depending on duration, usually from 8 to 30 minutes, arrangements for longer tours can be made on request. More information is available at www. buckeyehelicopters.com and reservations can be made at 513-3838770.

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Two Area Women Nominated for OHA Health Care Worker of the Year Award
Hospitals across the state gathered to honor 62 health care employees who were nominated for this years Albert E. Dyckes Health Care Worker of the Year Award, presented by the Ohio Hospital Association (OHA) on June 12, 2012. Ohio hospitals were invited to nominate one person for the Health Care Worker of the Year award, created in 1996 to honor a hospital employee who demonstrates leadership, reflects the values and ideals of Ohios health care facilities, goes above and beyond the call of duty, gives back to the community and has overcome odds to succeed. Mercy Willard Hospital nominated Sister Diane Hay, CPE for this prestigious award. Sister Diane is the epitome of the Mercy mission, said Lynn Detterman, President and CEO of Mercy Willard Hospital. She lives Mercy Willards core values of compassion, excellence, human dignity, justice, sacredness of life and service every moment of her life. She is a valuable member of the Mercy Willard family. Sister Diane is a chaplain at Mercy Willard Hospital. As a spiritual leader, she is dedicated to taking care of the personal and spiritual needs of the patients, their families and the employees at Mercy Willard. As a member of the Willard Area Ministerial Association, Sister Diane serves as a secretary. She is active at St. Francis Xavier Church, and she serves as a lector at Mass, a Eucharistic minister, cleaning of the church and fundraisers at the Parish elementary school. She is also on the Board of Trustees for the St. Francis Senior Ministries in Tiffin. Mercy Tiffin Hospital nominated Teri Henry, RN, for this prestigious award. With a heart filled with compassion, Teri provides leadership to the staff responsible for the care of our patients, said Dale Thornton, President & CEO of Mercy Tiffin Hospital. She leads by example as patients and their needs come first. Teri is the manager of the Monitored Medical Surgical Unit (MMSU) at Mercy Tiffin Hospital. A graduate of Providence School of Nursing, Teri has been a member of the Mercy family for over 21 years. The employees of her department, along with her peers and the physicians she works with all respect her for her enthusiasm and accountability. Teri is a role model for others to emulate. She mentors the newer nurses making them comfortable to seek her responses to questions or issues. HAY Teri sits on the Ethics Board for the St. Francis Home in Tiffin, the Sentinel Medical Arts A d v i s o r y Committee in Seneca County and a PACS member for Brown Mackie. Teri also participated in Leadership Seneca HENRY County in 2011, and has continued her involvement with the group. Teri serves on the Employee Engagement Team and the Inpatient Satisfaction Team at Mercy Tiffin Hospital.

Bemis is New Business Retention Specialist at ECEDC

The Erie County Economic Development Corporation (ECEDC) has hired Abbey Bemis to be its fulltime Business Expansion and Retention (BEAR) Specialist and to execute its BEAR program. Bemis is a recent graduate of Denison University, where she graduated with a Bachelor of Arts, Economics and International Studies. While finishing her degree, she was a Teaching Assistant at Denisons economics department, completed an internship at the Port Clinton Area Chamber of Commerce and studied abroad at the University of Freiburg, Germany. Were grateful for the continued support of the City of Sandusky and Erie County Commissioners for our BEAR program and their support of our outreach efforts towards existing businesses in our communities. They understand that 80% of job growth comes from existing businesses ECEDCs Zaehringer says. Abbey Bemis will make a great addition to our team, we were very fortunate to find a regional talent that embraces community and economic development, and Im positive she will be able to make an immediate impact Zaehringer continues.

Adult Ed Police Academy Moving Up

EHOVE Adult Although anyone can Educations Police apply for this program, Academy has added some but its not easy to get major improvements to into. Weve been very their program. selective for candidates of EHOVEs Policy who we let into the Academy Commander academy. We promote Jim Bond states: We are positive training, said an all-inclusive academy Bond. this year, and providing EHOVE Policy Academy all the equipment. All Commander Jim Bond has fees are included in the several years of experience, tuition: equipment and which makes him well supplies, uniforms, use of qualified for this position firearms and the use of at EHOVE. He has 24 the duty belt. There are years of law enforcement, very little out-of-pocket Former EHOVE Police Academy student Clair 20 years as a supervisor, is expenses, which allows Evans, who now works for Norwalk Police De- currently the Captain for us to offer more to cadets partment, practicing techniques with a fellow the Monroeville Police and the academy. Department, has been an student. More of those changes instructor at EHOVE since with an area dedicated to the include: an updated 1998 serving as an training area, more advanced academy and the training that Assistant Commander from training, better equipment includes a large training room, 2005-2011, and became the EHOVE is the only academy to large classroom and a locker Commander at EHOVE in 2011. be offering this all-inclusive room. If you or someone you know is The training will cover the interested in attending the program, and they are already getting positive feedback from entire course of the Ohio Peace EHOVE Adult Career Center the community. Its definitely Officer Training Academy Police Academy, please contact We are offering EHOVE at 419-499-4663 x280. a step in the right direction, (OPOTA). certifications above and beyond More information is available at said Bond. The upcoming program will that mandates from OPOTA, www.EHOVE.net or www. take place on EHOVEs campus said Bond. Facebook.com/EHOVEpolice.

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Elmwood Healthcare Center at The Springs STNA Mentors Receive Re-certifications. Back Row: Mike Roach (left), Rachel Straka, Daniell Hughes, Brittany Doty, Kelly Roach, Tabitha Zimmerman & Jordon Woodard. Front Row: Sharon Miller, Diane Tallman & Lisa Watkins Not Pictured: Jillian Corthell, Jerica Spears & Dawn Chestnut new position, in turn, helping them to gain self-confidence and lessen their nervousness and insecurities that may come with a new job. The individual, one-on-one training assures that all new employees receive consistent and thorough training, so everyone knows what is expected of them and how to fulfill each job requirement. Elmwood recently re-certified 13 current mentors, all State Tested Nursing Assistants (STNA). These mentors will continue to be the Go-To employees for new direct care staff in Elmwoods Skilled Nursing Units. For more information, please visit Elmwoods website at: www. elmwoodcommunities.com

Elmwoods Commitment to Excellence Begins with Staff Training

Elmwood Communities has now grown their Elmwood team to an amazing 700+ employees. This includes all employees at Elmwood Healthcare Center at The Springs Specialty/ LTAC (Long-Term Acute Care) Hospital; Skilled Nursing and Respiratory Nursing units on the West campus in Green Springs; Elmwood Nursing Home and Elmwood Assisted Living at The Springs-East campus; Elmwoods Assisted Living communities in Tiffin, Fremont, and New Bremen; and Wynn-Reeth, Inc. (in association with Elmwood Centers in Green Springs. Due to new programs and services, over 100 new employees have joined the Elmwood team since early 2011. Kathy Hunt, owner and CEO of Elmwood Communities feels this is quite an achievement for the family-owned company that got its start in Green Springs, Ohio in 1974. Having over 700 employees throughout our Ohio facilities is just amazing! But ensuring that each and every one of our employees knows and performs what is expected of them is the real challenge! stated Hunt. That is why we have some great employee training programs in place. Elmwood at The Springs Healthcare Centers Commitment-ToExcellence Mentor Program is designed to help welcome, train, and nurture new employees for all job classifications. This hands-on, orientation program has helped new employees adjust more easily to their

On The Move
Kromer to VP at Old Fort Banking Co.
Michael C. Spragg, President and CEO of The Old Fort Banking Company, is pleased to announce Scott Kromer has been promoted to Vice President of Commercial Banking. Scotts leadership and expertise in commercial banking, along with his dedication to and knowledge of the Tiffin community, are an asset to the Bank. We are pleased to award his efforts with this promotion. stated Spragg. From a community perspective, Kromer is actively involved in the Tiffin Rotary Club, NOAH and serves as a DECA Regional Volunteer/Judge. In addition, he currently serves as a member of the Mohawk Golf & Country Club Board of Directors and is a past board member and Treasurer of the American Red Cross. Kromer is a graduate of The University of Findlay with a bachelors degree in Finance, Accounting and Mathematics. He is currently enrolled in Bowling Green State Universitys Professional MBA program.

Firelands Physician to Lead Ohio Osteopathic Association

John F. Ramey, DO, of Huron, was installed as president of the Ohio Osteopathic Association (OOA) at a special ceremony and luncheon at the Columbus Hilton at Easton Town Center. Dr. Ramey will lead the organization through May 2013. Dr. Ramey, a board certified family physician, is currently the medical director at the Ohio Veterans Home (OVH) in Sandusky. OVH is a state veterans residential facility providing independent domicile, nursing home and skilled nursing care for Ohio veterans. Active in the leadership of the osteopathic profession at the state and local levels, he has been a longtime member of the OOA Board of Trustees and Executive Committee, served in every capacity of the 5th District Academy, and has participated multiple times in both the OOA and AOA House of Delegates. He has also served on the Ohio University Heritage College of Osteopathic Medicine alumni board. Dr. Ramey, a 1992 OU-HCOM graduate, completed his post-graduate training at Firelands Regional Medical Center, where he continues to be actively involved in medical education by serving as a preceptor and clinical assistant professor of geriatric medicine for the Family Practice residency. He also precepts and provides medical care to the residents of Kelleys Island via the health department outreach clinic. His professional interests include geriatric and long-term care medicine, and hospital physician staff relations, having served as chair of the Department of Family Medicine and chief of staff at FRMC. He and his wife Kelly L. Ramey, DO, have two sons.

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Preet R. Jesrani Joins Citizens Wealth Management Team

Citizens Wealth Management has added a new Relationship Manager to its wealth management team. Preet Jesrani joins a team of consultants dedicated to knowing their customers financial goals and delivering solutions designed to achieve them. Jesrani comes to us with over 20 years of diverse experience, said George E. Steinemann, Senior Vice President and Managing JESRANI Director of Citizens Wealth Management. His prior experience includes several stints as an entrepreneur; business and IT strategy consultant for Fortune 500 clients; political fundraiser for the Ohio Democratic Party, and most recently, as a Senior Policy Advisor in the Ohio State Treasurers office under Governor Stricklands administration. Jesrani has an MBA in Finance and Policy from the Weatherhead School of Management at Case Western Reserve University, and an undergraduate degree from the Krannert School of Business at Purdue University. He resides with his wife and two children in Sandusky.

OSHIIP Recognizes Jill Schafer of Fisher-Titus

Jill Schafer, community relations of Insurance as an OSHIIP Site Partner, coordinator at Fisher-Titus Medical also known as a Shipmate. There Center, was recognized are staff members, including recently for her outstanding Schafer, who are trained and contributions to Medicare certified OSHIIP volunteers. outreach, education and oneThey are available to answer on-one counseling with area questions about health residents by OSHIIP (Ohio insurance, including Senior Health Insurance Medicare and Medicaid Information Program). issues. Last year, numerous Schafer of Monroeville was seniors were assisted by nominated for Coordinator OSHIIP volunteers. of the year and serves on the Schafer, who is a registered OSHIIP volunteer advisory SCHAFER nurse and has a bachelor of board. science in nursing, has been Schafer was named among employed at Fisher-Titus the top 2011 OSHIIP volunteers in since 1988. She also coordinates the recognition of the 423 patient Fisher-Titus Health Ministry program encounters during which she assisted and manages the Medical Centers Medicare recipients with their Prescription Assistance Program. In prescription drug needs. 2011, almost $1 million in prescription medications were Fisher-Titus Medical Center is provided to area residents through recognized by the Ohio Department the Prescription Assistance Program.

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Firelands Regional Medical Center Board of Directors Adds Three New Members
At its annual organizational meeting, the Board of Directors of Firelands Regional Medical Center and Firelands Regional Health System elected the following officers: Chairman, John O. Bacon, Vice Chairman, J. William Springer; Treasurer, Leon J. Wieber; Secretary, Carol Steuk; Chair Emeritus, George L. Mylander; President & CEO, Martin E. Tursky; Executive Vice President/Chief Financial Officer, Daniel J. Moncher; Assistant Secretary, Robert M. Moore. Newly elected members on the Board of Directors of Firelands Regional Medical Center include: Gerald Guerra Mr. Guerra is a life-long resident of the Sandusky area and is a graduate of Sandusky St. Marys Central Catholic High GUERRA School. He is a graduate of Terra Technical College in Fremont, Ohio where he majored in Mechanical Engineering Technology. He also attended Bowling Green State University and Toledo University majoring in Accounting and Mechanical Engineering. Mr. Guerra is co-owner, and Vice President of LEWCO Inc., a Sandusky area manufacturing business which produces conveyors, HOTY material handling and processing equipment. John M. Hoty Mr. Hoty is President of Hoty Enterprises, Inc. He is a graduate of BaldwinWallace College in Berea, Ohio where he earned of Bachelor of Arts and a Master of Business Administration. Mr. Hoty is a member of the National Association of Realtors, the Ohio Association of Realtors, the Firelands Association of Realtors, and the Lake Erie Marine Trade Association. Steve Lichtcsien Mr. Lichtcsien is President of Sandusky Steel & Supply Company. He is a graduate of The Ohio State University where he received a Bachelor of Science in Business Administration with majors in Finance and Insurance and Risk Management. Mr. Lichtcsien has served on various boards and committees including The Institute of Scrap Recycling Industries (ISRI), The Erie County Chamber of Commerce, The Ohio State University Erie County Alumni Association and Congregation Oheb Shalom. LICHTCSEIN

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Well-Booked Business Columnist Offers Book-Related Website

North Coast Business Journal Columnist Cathy Allen has developed a new website dedicated to books. Designed as a resource for busy business leaders, community activists, students, and anyone interested in gaining access to great thinkers, WhatIsCathyReading.com features two-page book summaries, a link to discount booksellers, a blogspot, and more. Cathy expects to upload new content weekly and looks forward to interacting with other readers who may suggest titles, provide their own commentary or engage in dialogue. Books have been my passion and inspiration since I was a very little girl, says Cathy. I read every chance I get, whether I am in my favorite chair or taking in three paragraphs during a quick meal between meetings. I underline key points, scribble in margins and think through each authors message. Two-page summaries of popular books in the areas of Personal Development, Leadership, Organizational Life, Business Success and Creating Option C (the process of developing win/win alternatives) are available as downloads for $0.99 each. The fee will help offset the costs of providing the website, and the low price point is intended to help people take advantage of this new service. I really expect this new website will help build connections among those who love books, while providing a resource for those wanting high-quality information but who may have little time for reading, Cathy explained. In addition to writing the WellBooked Business, Cathy is the owner of Creative Option C, LLC, a facilitation and organizational development consulting firm in Marblehead. Cathys clients include nonprofits and government agencies who wish to build capacity, connect with their customers, and enhance their long-term sustainability through board development, strategic planning and policy writing. She can be reached via the new site: www. WhatIsCathyReading.com.

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Trouble sleeping?
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zzzs!

Board-certified sleep specialist Dr. Balaa sees patients full time in Fremont.
MEMORIAL HOSPITAL SLEEP DISORDER CENTER Memorial Hospital Sleep Disorder Center associates provide comprehensive diagnostic and treatment services for individuals with sleep disorders. The center has private bedrooms and a lounge/relaxation area; flexible appointment times; and complete sleep-study capabilities.
DR. BALAA DIAGNOSES AND TREATS:
Sleep Apnea (obstructive and central) Hypoventilation Syndrome Narcolepsy (Cataplexy) Parasomnia (sleep walking, sleep talking, nightmares, REM disorder, sleep terror) Restless Leg Syndrome Insomnia Circadian Rhythm Sleep Disorder (age related sleep disturbance, work shift related sleep disorders, jet lag)

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