POSTMASTER:TIMELY MATERIAL. PLEASE EXPEDITE.

Celebrating 19 Years of Service

SEPTEMBER 2013 Vol. 19 No. 9
Published and Owned by Schaffner Publications, Inc.

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

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

INSIDE THIS MONTH

MARKETING: Co-op Funds: Are You Leaving Money on the Table?........ 2 CHAMBER CALENDARS......... 9 ESTATE: Social Security Claiming Strategies for Married Couples..10 INSURANCE: Employment Practices while Recruiting and Hiring .................12 WELL-BOOKED BUSINESS............18 TAXES: Casualty Losses...22 LEGAL: Our Parents.........24 HR: One Way to Survive the Staffing Crisis: Cross Training!.............26 SALES: Creating a Plan for Business Success. ...............27

on Port Clinton: A Beautiful City of Passionate, Caring People

Submitted by Mayor Vince Leone When asked to write an article for the North Coast Business Journal I was asked to write about the City of Port Clinton and how I see the City and its direction. Surely I could write about the potential development of Waterworks Park and the impact that it would have on the City. Or about the ripple effect it would have on not only the business owners but the people of Port Clinton as well. But as I sat back and gave thought to the article, I could not stop thinking of the people we have here in Port Clinton. I have been overwhelmed with the amount of passion that they have. Whether its people like Jeanine and Tony Cipiti and their passion for the beautification for the Erie Dearie Park and their countless hours spent on planting and nurturing of the flowers and assorted plants. Or the many different clubs, associations or organizations made up solely of volunteers. As I walk downtown and listen to our residents and business owners, its more than obvious that the strength of our community can only be measured by the character of the people of Port Clinton. The Chamber of Commerce, Friends of the Parks, Friends of the Cemeteries, the Greater Port Clinton Area Arts Council, Kiwanis, Rotary, Conestoga Project and Main Street Port Clinton (just to name a few) show their support through countless volunteer hours planning and implementing improvements throughout the city -- and their dedication is amazing. To really understand any of these groups you would have to spend time with them and I hope you could keep up with their pace. Now as Ive mentioned some of the many groups in Port Clinton, I am sure I have
Fostoria Area Chamber of Commerce Genoa Chamber of Commerce

Focus

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Bellevue Area Chamber of Commerce

failed to mention many, and Ill hear about it later. But understand, no matter if youre involved with a group that drops a Walleye from the sky on New Years Eve or a group that remembers the loss of a childs life, it all starts with the passion and belief in the importance of a great city like Port Clinton and in the people that call it home. My hope, as a Mayor, is that I can give back what the people have given to me. That the performance of my elected position lives up to the expectations of such a passionate community. I am truly blessed to be given such an opportunity to not only lead such a community but also to live among people that have this gift of passion. Though I try to listen to everyones wants and needs concerning the City and its future, I must work towards a mutuallyagreeable solution to what lies ahead. Whether they are in support of the development of our Waterworks Park or against it, the passion of our citizens shows.
Marblehead Peninsula Chamber of Commerce Milan Chamber of Commerce

There may never be a solution that makes everyone happy, but it is my job to seek out a future with the help of many insights that cannot be explained in a simple conversation but only learned through service in my position as mayor. In the past, Port Clinton was often known as an industrial town, but now that our economy has changed, the City must shift in a new direction. One of our best assets continues to be the shores of Lake Erie. In order to bring development and economic growth we, as a city, must enhance our shoreline, create more user-friendly parks and thus utilize our assets to their fullest potential. I want to help ensure that our children and our grandchildren can proudly say I come from Port Clinton, located on the beautiful shores of Lake Erie. Come visit this place I call home, where the beauty of our city exists not just in its surroundings, but within the people who live there as well.
Vermilion Chamber of Commerce Willard Area Chamber of Commerce

Were a proud member of the following:

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

Chamber of Commerce Erie County Chamber of Sandusky County of Commerce

Seneca Regional

September 2013

North Coast Business Journal

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Are You Leaving Money on the Table?

By Jeffrey H. Bryden Editor Well, back-to-school time means were approaching year end. And company budgets, already tight, are running low. So, again this year, Im offering a budget remedy available (over the counter) to many of our business readers: Co-op funds. By now, you hopefully have been made aware of documented research that proves, in brief, how companies which continued to sell and advertise during economic slowdowns always came out ahead when the economy rebounded. And how continuation of advertising and sales efforts when the competition was cutting theirs was, in net terms, an increase in share of voice and customer attention. While you might buy into this theory in principle, its not easy to do when the slowing economy or season is strangling your cash flowwhere do you find the money to increase or even continue your advertising efforts? Good question. While the answer will depend on the nature of your business, for many in the service and retail arena, there is PLENTY of money available. Money that is just sitting there, waiting for you. Its front page news when we read about everyday citizens who get windfalls. When long-forgotten bank accounts or unclaimed tax refunds suddenly bubble to the surface. Good news: If youre a retailer, chances are youre due a windfall too money that is rightfully yours but which will be lost if you dont claim it soon. Im not talking about money from your long-lost rich uncle, Im referring to co-operative advertising money available from your suppliers and vendors. According to National Register, publisher of The Co-op Advertising Programs Sourcebook The total allocated for co-op is estimated at over $50 billion annually. Many companies spend more for co-op than they do for national advertising on TV wnd in magazines. Yet many retailers fail to use their co-op dollars. Often they assume it's difficult to access co-op. Or they may be understaffed. The money they could be spending to build a lot of added business is lost to them. In my 30 years in the advertising agency business, we had many clients whose advertising budgets (in the millions of dollars) were based almost entirely on manufacturers co-op funds. These included car dealers, one of the nations leading office supply retailers and a large regional discount auto parts chain. The car dealers had a per-car co-op allocation built in from the manufacturer. The office supply chains television and newspaper supplement advertising budget was 100 % co-op money. The auto parts chain depended so heavily on co-op that they would change vendors, even for their major bread and butter items like spark plugs or oil filters if co-op policies or dollars available were not to their liking. (Their poor store managers were constantly re-setting and re-stocking the stores!) Each year, for one of the leading tire manufacturers in the US, our agency prepared retail advertising material which tutored tire dealers on how to use co-op giving them ad slicks, clip art, radio scripts, and video footage for use in both broadcast and print ad production. Same thing for national Yellow Page programs. Now nothing in life is free. Each manufacturer will have guidelines. About your use of competitive products in or near the ad. About which products can be featured and what visual likenesses or images to use. About specific product claims and pricing. And about legal disclaimers that might need to be included in your ad. And theyll advise you how you need to submit proof that your advertising ran with print tear sheets or broadcast station affidavits. Getting your money will take time and organization. But its worth it -- it is, after all, your money. But where does your money come from -- is it free money? No. Its been built into the price of all the products youve purchased. So, youve already paid for this money its yours. And, if you dont use it, you lose it. It will remain with the manufacturer and go right to their bottom line. Now, how charitable can you afford to be? Re-read the terms of every order that youve placed with each supplier or vendor. Most often, vendors have accrued money, set it aside, in a special co-op fund for you to use in the promotion and sale of the products you purchased from them. Sometimes, its not actual advertising money, but off-invoice credit that can be used in the future purchase of products from the company. Or in parts and supplies needed for servicing or accessorizing the products you sell. Too much trouble for you to go after these funds? Think you dont need them? Heres a question. Are your competitors, who deal with these same vendors, utilizing their co-op funds? Will they be moving forward while youre sliding backward? How to proceed? The National Federation of Independent Business (NFIB) offers some beginning insight at their Web site (www.nfib.com) under Tools and Tips --Basics of Co-op Advertising. So does the US Chamber of Commerce. There are also many commercial firms offering co-op advertising advice and subscription services for up-to-theminute news of special deals available from manufacturers. Just Google the words Co-op Advertising for a long list good places to start. And if that still sounds like too much trouble, ask your friendly media representatives they know co-op and will be happy to assist you in getting your fair share of these funds. In summary, maintain your sales momentum by utilizing every financial resource available to you. Take advantage of co-op advertising dollars. After all, it is your money. Why would you leave it lying on the table?

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205 S.E. Catawba Road, Suite G, Port Clinton, Ohio 43452 419-734-4838 Fax 419-734-5382
Publisher JOHN SCHAFFNER JEFFREY H. BRYDEN jbryden@ncbj.net DAVE KAHLER dkahler@ncbj.net KRISTA CHEEK kcheek@ncbj.net ROBIN QUESADA accounting@thebeacon.net TODD GARDNER todd@thebeacon.net MARK SCHAFFNER marks@thebeacon.net BRUCE DINSE Editor Director of Sales Sales Representative Accounting Manager Layout &Graphic Design Circulation Manager

NorthCoast Business Journal is owned and published monthly by Schaffner Publications,Inc., and is mailed free to chamber of commerce members in a five-county area: Erie, Huron, Ottawa, Sandusky, and Seneca counties. The editorial deadline is the 25th of each month, with the advertising deadline the end of each month. No part of this publication may be reproduced or transmitted in any form without the expressed, written consent of the Publishers. We welcome submissions from readers in the form of letters, articles or photographs, although we reserve the right to edit and condense any articles submitted. Submissions should be sent to the editor at the above address. Include a stamped, self-addressed envelope if you would like an item returned. We prefer material (copy &photos) to be submitted electronically.

Small Business Basics Seminars Set for September

This seminar will take the confusion out of your efforts and help you avoid costly mistakes and unnecessary steps. Learn the basics of: name registration, licensing, taxes, zoning, business entities, employees, insurance, financing and business planning. The September schedule is: Wednesday, Sept. 11 9:30 to 11:30 a.m. Seneca Regional Chamber of Commerce (conference room), 19 W. Market St., Tiffin Wednesday, Sept. 18 9:30 to 11:30 a.m. Erie County Chamber of Commerce (conference room), 225 W. Washington Row, Sandusky Wednesday, Sept. 25 4:30 to 6:30 p.m. Terra State Community College (Building B, Room 101), 2830 Napoleon Road, Fremont These events are free and open to the public.

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North Coast Business Journal

September 2013

Port Clintons Waterworks Park Development Meeting Draws Community Interest

By Donna Lueke and Jasmine Cupp A special meeting of Port Clinton City Council, held at the Elks Lodge on Buckeye Boulevard last month, was attended by over 400 local residents, and media including TV stations from Toledo. The attraction was the presentation by Washington Properties Mike Rose and David Krebs of AODK Inc. on their proposal for development for downtown Port Clinton and Waterworks Park. Port Clinton Mayor Vincent Leone introduced Mike Rose, owner of Washington Properties, who has for the past 28 years been working on preserving, adopting and adapting downtown areas. Rose said that since the February meeting where he originally presented his vision for downtown and Waterworks Park, that he has been listening to everything and everyone, making adjustments and accommodations such as finding a home for the Port Clinton Lighthouse and opening up more green space. Rose sees two main opportunities in Port Clintonthat in the downtown area there are many business vacancies and that Waterworks Park has potential and is in need of repair. David Krebs, architect of AODK Inc., then presented Washington Properties proposal for Port Clinton, The Walleye Capital of the World. We wanted to build around the strength of the city, said Krebs. Port Clinton already receives 500,000 visitors per year. The objective, Krebs stated, is to keep the visitors in Port Clinton, and to enhance Port Clinton as a gateway to the islands and the lake. The Harborfront at Port Clinton The proposal (map shown above) features two anchors, similar to the plan of a shopping mall. The first anchor would be the Waterworks park development, known as Harborfront at Port Clinton, centered around a lodge for fishermen and families, condominiums and retail space. A possible concept for the lodge is that it take architectural inspiration from the former Victory Hotel on Put-In-Bay. The lodge would have a five-star casual restaurant, banquet facilities, spa, an indoor-outdoor pool and other amenities such. Sponsors such as boat, bait and tackle companies and outfitters would be recruited. The existing green space and Derby Pond would be mostly preserved, according to Krebs. The proposal features an amphitheater for concerts and plays and festivals and a public boardwalk and viewing platforms along the Portage River and lakefront. The restored Port Clinton lighthouse would be placed along the river. Krebs emphasized that Harborfront would be a year-round venue. In the winter there could be community tree lighting, ice fishing, snowmobiling and ice sculpture displays.
FNB7x10NCBJ_8_13.pdf 1 8/14/13 4:23 PM

Historic downtown The proposal for the anchor of a restored and rehabilitated historic downtown Port Clinton features upgrading and enhancing the original buildings and storefronts into attractive retail space and lofts. One comment overheard in the audience was that places like Levis Commons in Toledo and Disneys Main Street have

See WATERWORKS, Page 5

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September 2013

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Port Clinton Area Chamber of Commerce Update

By Laura Schlachter, President The Chambers staff and Board of Directors have been hard at work these past several months planning events, holding ribbon cuttings for new businesses, coordinating our monthly business after hours and workshops, and working to support our 385 Chamber members. Supporting our membership remains the number one priority for the Chamber. This includes the ability to offer reduced rates for workers compensation insurance premiums, health insurance with Anthem, discounted shipping rates with FedEx, and discounted rates on natural gas and electric consumption. The Chamber is constantly looking for other ways to create a better business environment in Ottawa County. The Chamber strongly promotes tourism and business for the Greater Port Clinton area, answering hundreds of phone calls, responding to emails, and meeting with a large amount of walk-in traffic to our downtown office. Between January 2013 and July 2013, the Chamber staff made over 6,150 referrals to our Chamber members. The Chamber is pleased to announce that we have selected Chamber Nation as our new membership, website, and communication management software program. Chamber staff and board members will be able to better communicate with our members with options to select by category (restaurant, insurance agency, retail store), projects, and committees. We will be able to create even more beautiful and professional newsletters and email blasts. The PC Chamber in partnership with the other Chambers in Ottawa County and Lake Erie Shores & Islands, co-hosted a booth at the Great Lakes Home and Flower Show, the Ottawa County Fair and at the National Matches at Camp Perry. Plans for the creation of our Ottawa County Directory are underway. Over 9,000 copies of the Directory will be distributed over the next two years. Advertising space is limited. To learn how you can give your business exposure to Chamber members, newcomers, and visitors, please contact the Chamber office. Over 140 sightseers attended the Chambers Sunset Cruise on the Jet Express on July 12 and enjoyed a gorgeous evening on Lake Erie with signature hors doeuvres, top-shelf cocktails and wine, and souvenir photos. The evening concluded with a beautiful sunset! The Chamber held its 20th annual Jerry Lippus Memorial Car Show and made a $250 donation to Main Street Port Clinton. Classic cars of all makes and models lined the downtown streets and drew great crowds. The Chambers Annual Golf Outing is scheduled for Wednesday, September 11 at the Catawba Island Club. Teams will be competing for first, second, third, and last place as well as individual skill games. Proceeds from the Golf Outing are going towards scholarships that will be awarded to Ottawa County High School Seniors in May 2014. Candidates Night co-sponsored with Port Clinton Area Business and Professional Women is scheduled for Thursday, October 10 at 7:0pm at the Elks Lodge in Port Clinton. The Chamber encourages everyone to be an informed voter for the November 5 election. The Ida Rupp Public Library and the PC Chamber have teamed up to provide our members free monthly educational workshops. Some of the past workshops include Using your Smart Phone to Conduct Business, Health Care Reform Here and Now, and Legal Impacts of Social Media in the Workplace. Please contact the Chamber for a list of upcoming workshops. The 2013-2014 Ottawa County Street Map and Resource Guide was completed earlier this year. Special thanks to our Chamber members who advertised on the map who helped to make this project possible. Many thanks to the Chambers Premier Members: Allstate Agencies of Kym Botson, Civilian Marksmanship Program, Croghan Colonial Bank, Cros.net, First Federal Savings of Lorain, First National Bank, Frontier Communications, Gerner Wolf Walker Funeral Home, Jet Express, Lake Disposal Services, Magruder Hospital, Neidecker, LeVeck, and Crosser Funeral Home, News Herald, NWO Beverage, Ohio Telecom, Republic Services, and Zink Calls. The Port Clinton Area Chamber of Commerce has proudly served the Greater Port Clinton Area for 74 years. For membership benefit information and for a complete membership directory, please visit our website www. portclintonchamber.com or call the Chamber at 419.734.5503. The Chamber is open Monday Friday from 9:00am 5:00pm.

Child & Adolescent Mental Health Services

Joseph Rieman, D.O.
Child & Adolescent Psychiatrist
Board Certified: American Board of Psychiatry and Neurology
Edgewood Manor has received a 2012 Deciency Free Survey from the Ohio Department of Health
Denice Day, Executive Director and Kaye Lipstraw, Director of Nursing would like to personally thank the entire sta at Edgewood for achieving a perfect survey from the Ohio Department of Health! We would also like to thank Ottawa County and the surrounding areas for making Edgewood your choice for Rehabilitation Care!

Dr. Rieman specializes in treating mental health issues, such as:

I I I

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Patti Schwan, M.S.W., L.I.S.W.

Edgewood has received 2012 Deciency Free Survey from the Ohio Department of Health 1330 S.Manor Fulton Str eet a Por t Clinton, OH 43452 419-734-5506
Denice Day, Executive Director and Kaye Lipstraw, Director of Nursing would like to personally thank www.edgewoodmanornursingcenter.com the entire sta at Edgewood for achieving a perfect survey from the Ohio Department of Health! We would also like to thank Ottawa County and the surrounding areas for making Edgewood your choice for Rehabilitation Care!

Patti Schwan specializes in treating cognitive and behavioral needs, such as:
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utive Director and Kaye Lipstraw, Director of Nursing would like to personally thank ve Director and Kaye Lipstraw, Director of Nursing would like to personally thank Seeing patients in Fremont. at Edgewood for achieving a perfect survey from the Ohio Department of new Health! Edgewood for achieving a perfect survey from the Ohio Department of Health! For more information or to schedule, so like to thank Ottawa County and the surrounding areas for making Edgewood call 419.334.6619. S. Fulton Ottawa Street PorCounty t Clinton, OH 43452 419-734-5506 ike1330 to thank and the surrounding areas for making Edgewood your choice for Rehabilitation Care!
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North Coast Business Journal

September 2013

Main Street Port Clinton Update

By Laura Schlachter, Program Manager Downtown Port Clinton has been buzzing with activity and is definitely the place to be in 2013. Main Street Port Clinton is proud to announce that we had over 5,000 volunteers hours last year. The Board of Directors, committee members, and staff continue to work towards revitalizing our historic downtown district. Have you seen our commercial? This commercial gives a brief 60-second taste of what downtown Port Clinton has to offer on the scenic shores of Lake Erie. Please visit: http://www.youtube.com/ watch?v=lvWLpVuUARI The third edition of the Downtown Port Clinton Map and Brochure was completed earlier this year. All of the downtown supporters of MSPC are included in this full-color brochure. The Promotion Committee also completed a Downtown Coupon Page which includes discounts at 22 downtown businesses. Please visit www.historicportclinton. com or stop by the office to pick up these brochures. Main Street Port Clinton invites you to our free Building Doctor Clinic on Thursday, September 26 at 7:00pm. Experts from the Ohio Historic Preservation office will help building owners preserve the features that make old buildings appealing while solving some of the most common old-building problems, including maintenance and repairs, masonry problems, new additions that fit in with the old, roofs and drainage, and wood and painting. To register for this free workshop, please contact 419-734-5503. Downtown is getting in top physical shape with the purchase of coordinating trash receptacles that complement our black rod-iron benches and planters. The Design Committee has been working on our streetscape plan and each year, Main Street has been able to purchase more public accessories. The grant recipients of our Downtown Improvement Grant Program were recently announced. Main Street PC awarded $15,000 to downtown building owners and businesses to help them improve their property, positively influence economic growth, and enhance aesthetic appeal to our historic downtown. Main Street is extremely proud of this grant program since all money distributed was raised by our Organization. Main Street Port Clinton coordinated a very success Walleye Festival over Memorial Day weekend. New in 2013 was our expanded childrens activity area and our Walleye Beer Fest where attendees could sample over 100 craft beers. Plans are already underway for the 34th annual event. October 26 marks the second anniversary of our ever-popular downtown Trick or Treat and Zombie Pub Crawl and Ball. All young ghouls and goblins are invited to come downtown to trick or treat and participate in a costume contest and childrens parade at 1:00pm. When day turns to night, the downtown streets become alive as zombies crawl to downtown pubs to win prizes and enjoy an evening of scary fun! The holidays are right around the corner and Main Street is coordinating Community Christmas scheduled for Saturday, December 7 at 12:00pm. The event will include a parade, a visit from Santa, a caroling contest, and children and family activities. If your business or organization is interested in having a float in the parade, please contact the Main Street office at 419-734-5503. Lastly, I challenge each and everyone of you to get involved with Main Street Port Clinton and help revitalize our historic downtown. Please contact 419-734-5503 or by email at info@ historicportclinton.com. Dont forget to like us on Facebook w w w. f a c e b o o k . c o m / MainStreetPortClinton to keep up with events and activities.

WATERWORKS, from Page 3

tried to create the Main Street look that already exists in Port Clinton. How to get from A to B The way that Rose and Krebs envision Port Clinton moving from the present to the future is with the cooperation and investment of public and private, large and small entities. With the two anchors, Washington Properties extrapolated that the area in between would then fill in and develop, building on the success of the anchors. Benefits to Port Clinton Krebs summarized the following benefits to Port Clinton: New residents and weekly stays bring people to support local businesses Increased fishing business promotes regional charter captains Park development encourages more local use and community events Waterfront development anchors the city Downtown redevelopments become examples of financial stability and act as a catalyst for new business Port Clintons brand identity is reinforced and becomes an example of an active, vibrant downtown

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From a BEACON article by Jasmine Cupp At the August 20 meeting of Port Clinton City Council, a motion was passed to have the mayor enter into negotiations with Washington Properties. As was the case at Thursday evenings presentation at the Elks by Mike Rose and David Krebs, there was a lively discussion amongst Council members and with members of the public. When it came to a vote on the motion, three Council members voted for and three voted against. The tie was broken by a yes vote from Council President Linda Hartlaub. As the discussion on the Washington Properties proposal began, Council was given an adjusted layout plan that Krebs provided, reflecting changes on street names and spacing adjustments, along with a statement from Krebs that he was excited to continue with plans for the waterfront.

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September 2013

North Coast Business Journal

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A True Sense of Community @ Your Ida Rupp Public Library

By Deborah Loiacono, Director Residents who use the Ida Rupp Public Library consider it a very special library, a real gem. What makes us so special? The community we serve. Port Clinton, Catawba, Erie Islands, Marblehead, and Danbury are filled with people who care about their neighbors and their library. The continued support of our Friends and our residents make us the hub of our community for education, entertainment, enlightenment, and so much more. 2013 has been a very busy year for the library. You may have noticed the new Friends Plaza, an outdoor space for the community built with funds from the Friends of the Ida Rupp Public Library. Benches make the area a great destination for programs or concerts or just a lazy afternoon in the sun with a good book. When I talk to patrons of the library, I am told again and again that they are delighted with our Friends Plaza and the outdoor space it offers the community. Customers value library spaces as much as they do materials and services. Here at the Ida Rupp Public Library we offer a unique blend of traditional services and new technology in our effort to meet all of our patrons needs. Our partnerships in the community help us to serve residents in many ways. Outreach to the schools is only a part of our commitment to excellent service. This year we were awarded over $19,000 for a Smart Investing @ Your Library Grant from the American Library Association and FINRA. The funds are part of a two year commitment to teach financial literacy in the community. In partnership with United Way, St. Vincent de Paul Society, Kidsville News, Port Clinton City School District, Catawba Island Club, Lakeview Estates, and Firelands Presbyterian Church, the library is delighted to assist with the Summer Lunch program as a destination for free lunches and activities. The opportunity allows children to have fun learning about money. Area teens attended library programs, too. Graduate students from BGSU spoke to both Danbury High School and Port Clinton High School about smart ideas to stretch dollars at college. Adults enjoyed financial literacy programs about preparing for retirement, investing in the stock market, budgeting, investment fraud, and consumer protection. Our librarians have been an important presence in the school media centers and preschools throughout the school year. Teaching a love of reading begins at birth, and our programs focus on early literacy through middle grades. Mrs. Winke reads to a preschool class in this photo. Weve added a story time in the park to our offerings, a hit with local children. But outreach programs arent limited to kids. Our librarians visit assisted living communities, apartment complexes, senior centers, and area housing communities to bring book talks, materials, computer classes, and programs. Cant come to us? Let us know, and we will bring books and audios to you. Our web resources are also growing. We have online classes, databases, readers advisory services, newsletters, e-books, music and magazine downloads, and so much more just waiting for you at www.idarupp.org.

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Both children and adults enjoyed our July program made possible from Lake Erie Shores and Islands Ottawa County Visitors Bureau Tourism Marketing Grant. Get on Track @ Your Library featured a model train exhibit from the Monroeville Model Train Club and a month of fun programming. As the 2013-2014 school year begins, the Ida Rupp Public Library childrens department is gearing up for a fresh new year of programs, materials, and outreach services. HallowRead has become a favorite event every year, and this fall season we have a special surprise planned. Were looking ahead to a delightful show for adults featuring Elvis and the Superstars, a musical event coming to us all the way from Branson, Missouri. We continue to offer book groups, movies, gardening programs, concerts, author visits, computer classes, and one-onone computer help. Please book our meeting rooms and enjoy all of the latest technology for your presentations. Handle the latest gadgets and gizmos for yourself, and help yourself to our iPads while using the library. Check out Sony e-readers to take home. More e-books are coming to our catalog, so please watch for the latest offerings. Please come see us soon. Settle in a comfortable chair to peruse a newspaper or magazine with a morning coffee on us. Visit our browsing collection to pick up a bestseller or a new movie release and take it home today. Ask our librarians to assist with downloads to your Kindle or iPad. Whatever your pleasure, you are sure to find us as warm and welcoming as the people we serve.

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North Coast Business Journal

September 2013

Magruder Hospital: Moving Forward in the Best Interest of its Patients

The rate of change in healthcare is showing no signs of slowing down, and at Magruder Hospital, we are busy keeping ahead of it, while still providing excellent care to the communities we serve. This past year, to better meet the needs of patients and physicians, a group of Magruder family physicians came up with a creative alternative for a hospitalist program. Last October Magruder established the Family Practice Inpatient Call Group to help ensure the care of our inpatients remains with local physicians. Also, in addition to hiring our new General Surgeon Dr. Donald Reed, Orthopedic Surgeon Dr. Gary Kresge continues to enhance and expand orthopedic services with state of the art hip, knee and elbow procedures. Becoming an all-digital hospital in 2010 led Magruder to earn the designation: Most Wired Hospitals 2013 for Small & Rural hospitals. It was a challenge, to say the least, but today we are a truly integrated hospital that is pushing the envelope when it comes to better patient care with the support of medical technology, says Chuck Dellick, Magruders Director of Information Technology (IT). In order to achieve Most Wired status, Hospitals & Health Networks looked at the level of Magruders IT infrastructure, business and administrative management, clinical quality and safety clinical integration. This designation acknowledges Magruder as being a leader in IT innovation. Along with our ongoing technological progress, we are working on a number of building projects to make sure our facilities progress along with our services and staff. Upon completion of our emergency room renovation, we moved on to our 1 South Clinic renovation which will greatly enhance our Oncology and Infusion, Respiratory, Sleep Medicine and Cardiology services. Magruder also finalized a partnership with University Hospitals Seidman Cancer Physicians to bring nationally recognized cancer care to the community. Through this partnership, patients at Magruder now have access to more than 300 leading clinical trials, the latest drug therapies and a cancer program that is ranked by US News and World Report as one of the top 20 cancer programs in the nation. In the community this past year Magruder worked with the Ottawa County Health Department and other community partners to complete a Community Health Needs Assessment. This survey, and its results, will help guide Magruder and other health related entities in making sure we are meeting the needs of our local communities. And to acknowledge all the hard work and dedication of Magruders entire team, within a very short time frame Magruder was the recipient of 7 different awards: Beckers Hospital Review Top 30 Hospitals in the US for patient Satisfaction Aster Awards Marketing Gold & Silver awards, top 16% nationally for advertising excellence Hospitals and Health Networks Most Wired Hospitals 2013 Small & Rural Ohio Hospital Association Top Twenty Percent Award Ohio Hospital Associations Statewide Hospital Safety Campaign Healthcare IT News Finalist Best Hospital IT Department Beckers Hospital Review Top 49 US Hospitals for cleanest hospitals Donate Life Ohio/Ohio Hospital Association/Ohio Department of Health Second Chance Trust Fund Gold Partner in the Hospital Champions Program In this year ahead, we will keep our eye on the evolving health care environment and continue to adapt and move forward with initiatives in the best interest of our patients. Magruder is a very progressive critical access hospital that is taking large strides when it comes to patient care.

Magruder Hospital Named Gold Partner for Organ, Eye and Tissue Donation Advocacy
Magruder Hospital was recognized by Donate Life Ohio, the Ohio Hospital Association (OHA) and the Ohio Department of Healths Second Chance Trust Fund for taking action to increase organ, eye and tissue donor registration. Magruder Hospital and 56 other Ohio hospitals were recognized during the 2013 OHA Annual Meeting in Columbus. Currently, more than 118,000 people nationwide more than 3,400 of them from Ohio await a lifesaving organ transplant, said Dr. Ted Wymyslo, Director of the Ohio Department of Health. By registering new donors and sharing this lifesaving message through the Hospital Champions program, Magruder Hospital is saving lives and helping to reduce the time critically ill patients must wait for a second chance at life. Magruder achieved the Gold Partner designation by providing education and enrollment events for staff and the community as well as providing communication pieces on their website and throughout the hospital.

Rachel Fall, Magruders Commuity Outreach and Wellness Manager accepts the organ donation award for Magruder from Erica Reid, Hospital Liaison with Life Connection of Ohio Today, we commend Magruder for their advocacy on behalf of donation and congratulate the organization for earning Gold status in this statewide program, said Mike Abrams, OHA President and CEO.

September 2013

North Coast Business Journal

www.ncbj.net

CMP Greatly Expanding Marksmanship Center Facilities

The Civilian Marksmanship Program is taking its youth marksmanship facilities to a higher level to serve competitors and members of the north coast community who use the facility on a recreational basis. The marksmanship facility is undergoing a significant expansion and remodeling to serve guests better. Opened in 2007, the CMP Marksmanship Center is an 80 firing point indoor air rifle and air pistol range that has housed countless competitive regional and national matches. It was the selection site for the 2012 U.S. Olympic air rifle and air pistol athletes that represented the U.S. in the London Games. The CMPs south operation in Anniston, Alabama has an identical range and was also used to conduct trials for the 2012 Games. The range is also familiar to many individuals and families in the area who take advantage of the safe, clean, and instructive environment. Most of the year the CMP Marksmanship Center is open to the public on Tuesday and Thursday evenings from 5:30 to 8:00, at a very low cost. Juniors, under age 20, can rent an air rifle or air pistol for $2 and shoot on the computer-controlled range all evening. Adults can rent equipment for $5 and $7.50 will buy a package of 500 pellets. Its a great environment for anyone who is interested in learning how to shoot competitively, says Christie Sewell, the CMPs General Manager for programs at Camp Perry. Even if you have no plans to shoot in competitions, the skills of marksmanship go beyond putting holes in paper. Marksmanship is a great tool to help build patience, discipline and confidence in people of all ages. CMP staff is always on hand for both safety purposes and to instruct shooters in all phases of threeposition shooting. It takes a lot of concentration to become a good marksman, and that means leaving your worries at the door, Sewell said. The Marksmanship Center is a great place to relax and focus on hitting the center of the target, not just once, but every time. Relaxation has a lot to do with the current expansion of the Marksmanship Center, happening right now, with expected completion after the first of the year in 2014. The airgun range itself will not be changed, but everything else about the facility is being expanded and improved dramatically. When complete, the Marksmanship Center will feature a welcome center with registration desks, a comfortable lobby, a marksmanship history nook and a retail store. Once inside, the center will open to large common areas for guests and competitors to relax, get something to eat or just talk with friends and fellow competitors. Competitive shooters will have new changing rooms for men and women, large restrooms, two new large interactive classrooms with multimedia accommodations, and lots of open space. Public visitors will also have use of the space to socialize. The expansion came as a result of an arrangement with the CMPs host, the Ohio National Guard, who jointly used the facility with the CMP. Because of scheduling demands for both organizations, the building was becoming overcrowded during large events, creating an uncomfortable environment. Most of the building outside of the airgun range was used by the Guard for training purposes, including its hightech Engagement Skills Trainer (EST). The EST provides the Guard the flexibility to train soldiers on weapons systems using audio and video technology, saving ammunition and time in a controlled setting. The ONG has relocated its EST training system to another location at Camp Perry, freeing up thousands of square feet for the CMP to expand its footprint in the building. The end result will be a dramatically improved environment for marksmen of all skill levels. When complete, the newly renovated CMP Marksmanship Center will be a showplace for indoor shooting. The range will remain open throughout the construction period, but the entrance to the facility has been temporarily moved to the rear of the building. Outside of special events, the CMP Marksmanship Center is open each Tuesday and Thursday evening.

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North Coast Business Journal

September 2013

Chamber Calendars for September

Bellevue Chamber of Commerce 1 Open House/Ribbon Cutting Art @106, 106 South Sandusky Street, 1 4 p.m. 3 Ribbon cutting for Wade Auctions 717 West Main Street, 5:30 p.m. 5 Chambers Monthly Luncheon Noon at the Willows President Webster, Terra State College 11 Annual Golf Outing, Shotgun start at Noon Green Hills Golf Course. Genoa Chamber of Commerce 10 Business After Hours, Mann Technologies Williston, 5-7pm 12 Board Meeting Rays Caf at 7:30 am 21 Genoa Street Fair, 9-?, Car Show 5pm 25 Genoa Civic Theatre, Board meeting, 7pm Huron Chamber of Commerce 11 17th Annual Billman Memorial Golf Outing 1 p.m., Shotgun Start Thunderbird Hills, North Course 419-433-5700 or e-mail Chamber to register Huron County Chamber of Commerce 5 Safety Council Construction 7:30 am RSVP Required 12 Safety Council General / Service 7:30 am RSVP Required 18 Chamber Golf Outing 1:00 Eagle Creek Golf Club 19 Safety Council Manufacturing 7:30 am RSVP Required Marblehead Peninsula Chamber of Commerce 5 Executive Meeting, Chamber Office, 10:00 19 Business After Hours, Hosted by: Ciao Bella 5:00 to 7:00 pm 26 Executive Meeting, Chamber Office, 10:00 am Oak Harbor Chamber of Commerce 19 Board Meeting, 7:30am, Chamber Building 28 Farmers Market, 9am 1 pm; Log Cabin Port Clinton Area Chamber of Commerce 3 Administrative Committee, 8:30am 5 Economic Restructuring Committee, 8:30am 5 Business After Hours, Pier 53 Marine. Co-hosted by Cardinal Staffing, 5:00-7:00pm 9 Chamber Board Meeting, 8:30am 10 Design Committee Meeting, 8:30am 11 Fall Golf Outing, Catawba Island Club. Registration 7:30am, Shot-gun Start 8:30am 13 Benefits Committee, 8:30am 18 Walleye Festival Committee, 8:30am 19 Main Street Port Clinton Board Meeting 8:30am 26 Downtown Promotion Committee, 8:30am 26 Building Doctor Program hosted by the Ohio Historical Society at Commodore Perry. Sandusky County Chamber of Commerce 4 Membership & Marketing Committee, 3:00 p.m., Chamber Office 13 Annual Chamber Foundation Golf Outing, Sycamore Hills Golf Course 17 Agriculture Mtg. 7:30 a.m., Chamber Office Finance Committee, 12:30 p.m. Executive Committee Foundation Mtg. 1:30 p.m., Chamber office 18 Agriculture Committee Meeting, 7:30 p.m., Chamber Office 24 Chamber Ambassador Meeting, 8:00 a.m., Chamber Office 25 Chamber Board of Trustees Meeting, 7:30 a.m., Chamber office Seneca County Chamber of Commerce 10, 11 Around the Town at Heidelberg University 11:00 am to 1:00 pm Local Businesses displays Small Business Basics Seminar 9:30 am to 11:30 am, A free, two-hour seminar Community room of the Chamber of Commerce

17 Human Resource Association Meeting 11:30 am. Lunch Meeting at St. Francis Home Speaker: Bob Borcherdt, In2Great Health Care Reform Educational Seminar 7:30 am. Chamber Offices Speaker Debbie Boop Sponsored by Corporate One Benefits Agency, Inc. Please RSVP to 419-447-4141 or info@tiffinchamber.com.

18 Cash Mob @ Threads, 10 am - 6 pm. 20 Ambassador Meeting, Noon Seneca House, 781 Greenfield St., RSVP. 24 Tiffin Area Safety Council 11:30 am at Moose Lodge

10 September 2013

North Coast Business Journal

www.ncbj.net

Social Security Claiming Strategies for Married Couples

Douglas Gildenmeister Senior Vice President, Investments Deciding when to begin receiving Social Security benefits is a major financial issue for anyone approaching retirement because the age at which you apply for benefits will affect the amount youll receive. If youre married, this decision can be especially complicated because you and your spouse will need to plan together, taking into account the Social Security benefits you may each be entitled to. For example, married couples may qualify for retirement benefits based on their own earnings records, and/or for spousal benefits based on their spouses earnings record. In addition, a surviving spouse may qualify for widow or widowers benefits based on what his or her spouse was receiving. Fortunately, there are a couple of planning opportunities available that you may be able to use to boost both your Social Security retirement income and income for your surviving spouse. Both can be used in a variety of scenarios, but heres how they generally work. File and suspend Generally, a husband or wife is entitled to receive the higher of his or her own Social Security retirement benefit (a workers benefit) or as much as 50% of what his or her spouse is entitled to receive at full retirement age (a spousal benefit). But heres the catch: under Social Security rules, a husband or wife who is eligible to file for spousal benefits based on his or her spouses record cannot do so until his or her spouse begins collecting retirement benefits. However, there is an exception--someone who has reached full retirement age but who doesnt want to begin collecting retirement benefits right away may choose to file an application for retirement benefits, then immediately request to have those benefits suspended, so that his or her eligible spouse can file for spousal benefits. The file-and-suspend strategy is most commonly used when one spouse has much lower lifetime earnings, and thus will receive a higher retirement benefit based on his or her spouses earnings record than on his or her own earnings record. Using this strategy can potentially boost retirement income in three ways. 1. The spouse with higher earnings who has suspended benefits can accrue delayed retirement credits at a rate of 8% per year (the rate for anyone born in 1943 or later) up until age 70, thereby increasing his or her retirement benefit by as much as 32%. 2. The spouse with lower earnings can immediately claim a higher (spousal) benefit. 3. Any survivors benefit available to the lower-earning spouse will also increase because a surviving spouse generally receives a benefit equal to 100% of the monthly retirement benefit the other spouse was receiving (or was entitled to receive) at the time of his or her death. Heres a hypothetical example. Leslie is about to reach her full retirement age of 66, but she wants to postpone filing for Social Security benefits so that she can increase her monthly retirement benefit from $2,000 at full retirement age to $2,640 at age 70 (32% more). However, her husband Lou (who has had substantially lower lifetime earnings) wants to retire in a few months at his full retirement age (also 66). He will be eligible for a higher monthly spousal benefit based on Leslies work record than on his own--$1,000 vs. $700. So that Lou can receive the higher spousal benefit as soon as he retires, Leslie files an application for benefits, but then immediately suspends it. Leslie can then earn delayed retirement credits, resulting in a higher retirement benefit for her at age 70 and a higher widowers benefit for Lou in the event of her death. File for one benefit, then the other Another strategy that can be used to increase household income for retirees is to have one spouse file for spousal benefits first, then switch to his or her own higher retirement benefit later. Every situation is unique, so these strategies may not be appropriate for all couples. When deciding when to apply for Social Security benefits, make sure to consider a number of scenarios that take into account factors such as both spouses ages, estimated benefit entitlements, and life expectancies. Once a spouse reaches full retirement age and is eligible for a spousal benefit based on his or her spouses earnings record and a retirement benefit based on his or her own earnings record, he or she can choose to file a restricted application for spousal benefits, then delay applying for retirement benefits on his or her own earnings record (up until age 70) in order to earn delayed retirement credits. This may help to maximize survivors income as well as retirement income, because the surviving spouse will be eligible for the greater of his or her own benefit or 100% of the spouses benefit. This strategy can be used in a variety of scenarios, but heres one hypothetical example that illustrates how it might be used when both spouses have substantial earnings but dont want to postpone applying for benefits altogether. Liz files for her Social Security retirement benefit of $2,400 per month at age 66 (based on her own earnings record), but her husband Tim wants to wait until age 70 to file. At age 66 (his full retirement age) Tim applies for spousal benefits based on Lizs earnings record (Liz has already filed for benefits) and receives 50% of Lizs benefit amount ($1,200 per month). He then delays applying for benefits based on his own earnings record ($2,100 per month at full retirement age) so that he can earn delayed retirement credits. At age 70, Tim switches from collecting a spousal benefit to his own larger workers retirement benefit of $2,772 per month (32% higher than at age 66). This not only increases Liz and Tims household income but also enables Liz to receive a larger survivors benefit in the event of Tims death. Things to keep in mind Deciding when to begin receiving Social Security benefits is a complicated decision. Youll need to consider a number of scenarios, and take into account factors such as both spouses ages, estimated benefit entitlements, and life expectancies. A Social Security representative cant give you advice, but can help explain your options. Using the file-and-suspend strategy may not be advantageous when one spouse is in poor health or when Social Security income is needed as soon as possible. Delaying Social Security income may have tax consequences--consult a tax professional. Spousal or survivors benefits are generally reduced by a certain percentage if received before full retirement age. For more information about your options and the benefit application process, contact the Social Security Administration at (800) 772-1213 or visit www.socialsecurity.gov. 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

Estate

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North Coast Business Journal

September 2013

11

Dont Let Sequestration Ground Your Enthusiasm For Air Power And Air Shows - Come Over To Port Clinton!
The Erie-Ottawa County Regional Airport, Liberty Aviation Museum, and Tri-Motor Heritage Museum in Port Clinton, Ohio have become the location of choice for enthusiast of the Golden Age of Aviation, and Warbirds of WWII in Northern Ohio within the last year. On a weekly basis Vintage Aircraft are coming and going. The museums award winning B-25J Georgies Gal is either taking off to some airshow or flyover giving guests an opportunity to see something few people have experienced. The Tri-Motor Heritage Museum and local EAA Chapter 1247 are restoring to flying condition a 1929 Ford Tri-Motor the famed aircraft that ran service to the Islands from 1930 through 1985. Yankee Air Museums B-17 Flying Fortress Yankee Lady stops in on a regular basis offering WWII Vets, and Baby Boomers the opportunity to crew and experience a Bucket List flight of a lifetime on a mission in their FLEX ride programs. The CAF Red Tail Squadrons RISE ABOVE Traveling Exhibit landed again for the second year in a row at the ErieOttawa County Regional Airport from August 29th through September 1st. The RISE ABOVE Traveling Exhibit tells the story of the Tuskegee Airmen to young people all across American in an experiential way, and we are truly blessed by having this exhibit at Port Clinton for a second year states Liberty Aviation Museum President and CEO Edward Patrick. The RISE ABOVE Traveling Exhibit Housed in a 53 long semi-rig, the RISE ABOVE Traveling Exhibit contains a 30-seat temperature-controlled movie theater with a 160 degree panoramic screen. The RISE ABOVE movie shows highlights of the Tuskegee Airmen where and how they overcame obstacles to be allowed to train and fight as U.S. Army Air Corp pilots. In addition more than 10,000 other black men and women also trained hard to support the pilots. The courage and determination they exhibited then still means much to all Americans today. The movie also will also give viewers a feel for what its like to pilot a Mustang! Erie-Ottawa County Regional Airport Director Stan Gebhardt points out This venue is fortunate to be able to host both the Traveling Exhibit and the famous and rare P-51C Mustang Red Tail at the same time! While the Traveling Exhibit can visit schools or community centers - you typically cannot bring in the real aircraft these guys flew, set it down and let guests see this amazing piece of history and see it take off and land! Gebhardt adds In addition we will have local Tuskegee Airman Col.(Ret.) Harold Brown was on site each day to meet with the children and talk of his own experiences. The 2012 Lucasfilm LTD Red Tails is a composite of the true life experiences of many of these pilots. One key scene in the movie is actually based on Harolds own adventure. For those air enthusiasts and history buffs who would like the experience of flying in the famous B-17 Flying Fortress the Yankee Air Museum (YAM) comes down to the EORA on a regular basis to conduct the closest thing to a bombing mission. Visitors can sign on as a crew member and take a ride in the B-17 through the museums FLEX ride program. The Yankee Lady will return to the airport again on September 11th, and October 2nd. FLEX rides in the B-17 can be pre-booked by contacting YAM at (734) 483-4030 For a second year remote controlled (RC) model aircraft from WWI through modern jets entertained, and educated visitors to the field. The RC Warbirds of Port Clinton, on August 24th and 25th gave aviation enthusiasts an alternative to the loss of many airshows throughout the region due to sequestration and other constraints. The ground crew over at the Liberty Aviation Museum is excited about the new addition to the hangar. Courtesy of owner and LAM member Charlie Cartledge a TBM Avenger Torpedo Bomber will be available for viewing. This is the same type of Navy bomber President George H. Walker Bush flew in World War II. Cartledge recently completed a 14 year restoration of this operational aircraft and is painted in a three tone Navy scheme which will sure to garner a lot of attention. Liberty Aviation Museum continues to expand in 2013. In order to accommodate its growing collections, and to enhance its position as venue for larger civic and social events a second hangar project has begun. This larger hangar will satisfy the museums need for a larger work, area, and provide short term storage of the larger aircraft in the original hangar during larger events. When are you having another Hangar Dance, just like the one you had during your Grand Opening? is a question Ed Patrick often hears. With this second hangar

we will now be able to accommodate these events and others, Patrick adds. Another request Patrick hears is regarding larger groups who want to eat in the Tin Goose Diner. A 1952 vintage diner does have its limitations regarding accommodating larger groups. In order to respond to those requests, we have developed a set menu, boxed or set meals and or a buffet line option. For those larger

groups we can utilize the meeting/ conference room and provide a solution that still satisfies the needs of the regular diner patrons, and those larger groups who expressed an interest in a more intimate setting. On any given weekend vintage aircraft owners fly in to the airport, taxi over to the museum and stop in to the vintage 1950s Tin Goose Diner and enjoy a hearty meal.

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12 September 2013

North Coast Business Journal

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Insurance
Employment Practices while Recruiting and Hiring
Submitted by: Mark T. Reilly Like any employer, you want make sure that your new employees are the best in the business. Searching for the right candidate to fill a crucial position is a time-consuming and difficult process. Your company needs to make sure that every new employee is highly skilled and right for the joband you only have an application, resume and interview to find that out. Employers need to be careful, though. The hiring process is one of the most dangerous times for employer liability. If the wrong questions are asked of an applicant, the interviewer, employer or company could be sued. Many times, employers cant tell what makes a question discriminatory or how phrasing can change the suggested intention of a question. Once considerations for intelligence, performance and medical testing get added to the employment process, finding a new worker becomes a minefield of risks. Business owners, executives and human resource managers need to analyze every step they take through the hiring process. Companies also need to consider employment practices liability (EPL) insurance and how it can protect them while they try to find the best employees for the job. Application Risks inherent to the hiring process stem from complaints of discrimination against the applicant. However, the alleged discrimination is often from an employer who simply does not feel the applicant can perform the job adequately. In these instances, the disagreement starts at the application. All too often, employers do not consider all the requirements of a job and what constitutes an essential function of the position. Failure to list a lifting requirement or computer proficiency level (essential to the work role) can result in numerous applications and interviews with individuals who believe they are qualified, but lack the skills necessary. If these individuals have any form of disability or are part of a protected class, they may contest that, according to the official requirements, they are proficient and were only not hired because of discrimination. Employers, therefore, need to first avoid confusing or ambiguous language concerning the minimum requirements of the job. All essential functions of a role should be listed in the job requirements to ensure that all applicants are viable candidates. However, this does not give employers the right to nitpick or limit reasonable applicants. Employers must be careful not to list non-essential skills that screen out protected classes or disabled individuals. Once clear requirements are prepared and a job listing is ready for posting, an employer must create or certify an official application that is free of discriminatory questions or language. Any questions concerning race, sex, disability or age must be avoided. Any special needs in context to these areas should be listed in the job requirements, though these situations are rare (e.g. requiring a female custodian at an all-girls school). The one major exception to this rule is inquiring if an individual is a legal adult (i.e. at least 18 years old) though age requirements should have been mentioned in the job listing anyway. Aside from general disability inquires, the Americans with Disabilities Act (ADA) also limits questions concerning an applicants health history and time spent on workers compensation at previous jobs. Both of these lines of inquiry can lead to an employer inferring a disability and discriminating against an applicant. Military service and past criminal records are other sensitive areas that should be considered with extreme caution. Questioning what kind of discharge an individual received from the military is dangerous and should be avoided. Similarly, requiring an applicant to list his or her arrest record should be avoided. Information gathered about arrest records could put a company at risk for defamation of character if it is leaked to employees. Many states prevent employer access to arrest records while others greatly restrict who is able to view them. Every state has its own rules concerning ex-convicts and discrimination in the workplace. In all cases, a crime (other than a felony) can be a source of a discrimination suit unless it relates to the area of business the individual is applying for. The final major area of possible discrimination is marital status and family planning. Though not regulated or restricted nationally, certain states consider questions about marital status, children and pregnancy to be grounds for discrimination. This means that even questions concerning preferred title (e.g. Miss, Ms. or Mrs.) can be construed as discriminatory. Questions about children or future plans for children should never be asked. Applications must be filled out by every employee, as a reference if any kind of employee dishonesty comes to light in the future. The combination of a good job description and a solid application can greatly help an employer remain unbiased while determining who would fit a job position. Interviewing For the most part, discrimination exposures in an interview are much the same as they are on an application. The major difference is that the interviewer will have to speak carefully to avoid phrasing legitimate questions in a discriminatory manner. For this reason, an interviewer should write down a number of questions prior to meeting with a potential candidate and read them verbatim while doing the interview. The employer should only discuss or take notes on questions directly related to the position. As stated, phrasing can be difficult in an interview. A seemingly negligible change in subject can be the difference between a question that garners discriminatory information and one that is totally pertinent to the job. For instance, say you want to know whether or not an employee can regularly lift 40 pounds while working. You can ask: Can you lift 40 pounds multiple times during the workday? This job requires regular lifting. But you cannot ask: Do you have any physical issues that restrict you from lifting 40 pounds multiple times during the workday? Any question that requires an applicant to specifically disclose a disability cannot be asked in an interview; questions can only ask if the applicant can accomplish the requirements of the job. These restrictions include asking any questions about previous illnesses, medications or long-term diseases. Addressing issues of reasonable accommodation are delicate. Under the ADA, disabled applicants who can perform the requirements of a job with or without reasonable accommodation are not to be discriminated against. Applicants are allowed to request reasonable accommodation for the interview (e.g. wheelchair access to the interview room). However, an employer is not allowed to ask if an individual requires any form of reasonable accommodation to fulfill essential job functions unless the employer has a legitimate reason to believe accommodation will be necessary or the applicant willingly divulged information about a disability. The central goal behind interview questions should be to gain positive information from the applicant concerning job functions. Employers should never ask about limitations, hindrances or disabilities. They need to keep the focus on whether an applicant can do something, not whats keeping them from doing it. Checks and Testing Medical testing of applicants is permissible if necessary for job functionality. General medical testing can be done as a condition of employment, but it is not allowed to be done prior to the applicant being offered a job. The exceptions to this rule are tests for illegal drug use and basic fitness tests. In the case of the latter, only skills and abilities can be tested, not medical conditions; an employer is free to make an applicant perform a physical function of a job, but cannot collect any medical data that might indicate disability or condition (blood pressure, pulse, etc.) Performing background checks is a highly

See INSURANCE, Page 19

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14 September 2013

North Coast Business Journal

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We Have Met the Media and They Are Ours

Larry Fletcher, Executive Director, Lake Erie Shores & Islands West The year 2013 has been a year of unprecedented media attention for the Lake Erie Shores & Islands area. It certainly helps to have a large number of fresh stories for journalists to cover. Cedar Point opened their newest coaster GateKeeper, Liberty Aviation Museum continued expansion and purchased a PT Boat, Maui Sands Waterpark Resort reopened in Sandusky, Lakeside Chautauqua debuted a new splash park. These are just some of the Whats New items that the media mentioned many times this year. (Look for articles on the Aviation Museum expansion and airport activities in this issue of NCBJ). The largest percentage of this years media has come from activities in the category of once-in-a-lifetime. Im speaking of course about the Battle of Lake Erie Bicentennial events. At the time of writing this article more than 100 significant media mentions related to Bicentennial activities had been tracked. Major local, regional, and statewide media covered the event along with high circulation print including the Chicago Tribune, Midwest Living Magazine, Preservation Magazine, Ohio Magazine, Mens Health, and the Wall Street Journal. The value of all media is calculated based on what it would cost if we were to purchase the amount of space or time in each outlet. The value of the Bicentennial mentions we received was well in excess of $1 million. purchased in conjunction with other Visitors Bureaus In addition to pitching Bicentennial related stories to that represented communities also holding traditional media such as newspapers, magazines, Bicentennial events. This allowed us to have a TV and radio, we also are increasingly much larger presence in the publications hosting bloggers to the region. than our organizations could have had These web loggers can be moms individually. In the case of Midwest talking about fun places to take Living, it also allowed us to the kids, young guys talking control some of the editorial their favorite spots to get a content of an article about our burger and a beer, or just area events, and get a fullabout any other type of page photo of Brig Niagara special interest. included to boot! What can make a blogger Besides work we did to very valuable is that many encourage attendance for of them have loyal the Bicentennial events, followers who trust the we spent considerable recommendations being effort preparing material presented. Its as if the for the media who were attractions and events there to cover the activities. being written about are We know that a major seen through the eyes of a focus of their stories will of friend. For the Visitors course be the battle Bureau, bringing a blogger in reenactment and September is generally a very small 10th wreath laying ceremony. investment with the possibility We also however hope that the Photo Credit: of a very great return. media paid attention to the John Baker Some of the Bicentennial related information we presented them about promotion we did this year was in the quantity, quality and diversity of partnership with other organizations. Two print attractions that will continue to be here in the features for example, one in Midwest Living Magazine Lake Erie Shores & Islands long after the cannon and the other in Preservation Magazine, were smoke clears.

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September 2013

15

Black Swamp Bird Observatory Recognizes Volunteers with Prestigious Awards

At their annual volunteer recognition picnic recently, Black Swamp Bird Observatory (BSBO) presented their prestigious Shieldcastle Award for Outstanding Volunteer Service, to Terry Breymaier of Oak Harbor, Ohio. Created in honor of Mark and Julie Shieldcastle, two of the founding members of the Observatory, the Shieldcastle Award recognizes individuals who have given extraordinary time, talent, and service to BSBOs mission to inspire the appreciation, enjoyment and conservation of birds and their habitats through research, education and outreach. The Observatory also recognized the efforts of Toledo, Ohio resident Tracy Marr by presenting her with the BSBO Conservation Award for Exemplary Service to the Cause of Bird Conservation. Tracy has been volunteering with the Observatory for more than a decade, and has helped advance the cause of bird conservation through hundreds of hours of research data entry, assistance in the Observatorys research projects, and much more. More than 60 volunteers from around the state (and neighboring states!) gathered to celebrate BSBOs work and the thousands of volunteer hours required to achieve all that the organizations goals. The Observatorys Executive Director, Kimberly Kaufman, had this to say, Caring, committed citizens like Terry Breymaier and Tracy Marrand all of our volunteers remind us all that humans can still have a positive impact on this planet, and everyone at BSBO feels blessed to know and work alongside these remarkable individuals. Terry and Tracy epitomize what it means to give back, and we are thrilled to honor their efforts with these awards. Tim Bollin, Chairman of the Observatorys Board of Directors, says he is amazed at what the Observatory accomplishes on a small budget. When we stop to catch our breath and look back over a years worth of hard work, the breadth and reach of this organization is astounding. From hosting one of the countrys largest birding festivals, The Biggest Week In American Birding, banding more songbirds than any other bird banding research station in the country, and offering free songbird education programs to thousands of local students, BSBO has grown into an organization with a national reputation. We have a remarkable staff, but without the commitment and dedication of our volunteers, our work would not be possible. As you can see, Black Swamp Bird Observatory holds its volunteers in the highest regard, and you do not have to be a bird expert to get involved. They offer wide-ranging opportunities, from assisting in the Observatorys gift shop and office work, to working on many bird research projects. If youre interested in learning more about being a part of this exciting organization, please call BSBO at 419-898-4070 or email staff@bsbo.org.

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To learn more, call 419.385.5721,ext. 6001, or visit toledozoo.org/holidayparties

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16 September 2013

North Coast Business Journal

www.ncbj.net

The Ultimate Team Builder

hen the Honey Bee goes to work in the morning, he is part of a tea m t ha t wo rks f o r o ne common goal. When a Janotta & Herner employee goes to work, they are also part of a goal oriented team. Our goal is to satisfy our clients in hopes that they will come back again and again. With over 90% of our business coming from repeat clients, we think its working. The bees goal is to make h o n e y a n d s t a y o f f t h e windshield of a 74 Ford Pinto.

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The purpose of a network assessment is to provide you with a clear vision and understanding of how your business goals can be met with technology. Working with you, ACC will build the roadmap to successfully take your business to the next level. Areas we focus on: Servers LAN/WAN infrastructure Wireless Network Security Vulnerabilities Backup Strategies Optimize Network Performance Contact us today for an update!

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September 2013

17

Ohio Tax Changes

SHRM Course Curriculum Provides : - 6 weeks of Expert Instruction - Most Up-To-Date SHRM Learning Modules - Business Management & Strategy - Workforce Planning and Employment - Human Resource Development - Compensation & Benefits - Employee & Labor Relations - Risk Management - Upon Course Completion, You will be prepared to pass the PHR or SPHR Exam

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Its time to talk to Payne Nickles.

Did you know that Ohio Governor John Kasich signed a two-year state budget bill into law on Sunday, June 30, 2013? The new budget contained significant tax changes to Ohio taxes, including: Income Tax Ohio Sales Tax Ohio CAT Tax To find out how these tax changes might affect your business, and how to plan for the future, give Payne Nickles a call today!

How will the new Ohio tax laws affect your business?

P N Payne Nickles & Company

certified public accountants & business advisors

For the expert financial services that your business needs, call one of our two convenient locations: Sandusky Office 419-625-4942 www.pncpa.biz Norwalk Office 419-668-2552

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18 September 2013

North Coast Business Journal

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The Well-Booked Business

By Cathy Allen Most people who own a business or have a leadership position in one know that once they show an interest in some community project or other, they will soon be recruited for the board of directors. Businesspeople who understand spreadsheets or employee management or how to build a customer service program are highly prized by nonprofits as potential board members. So often, however, these experienced business leaders are recruited for their skills and talents, but are then really kept on the sidelines, asked only to ratify pre-determined recommendations from staff. Meetings are tightly controlled and hardly conducive to dialogue. After trying unsuccessfully for a year or two to contribute their best thinking, their enthusiasm for the project sinks and they disengage. Sometimes they get so frustrated trying to be helpful that they will get themselves too involved in the CEOs responsibilities. This months book is not about business it is about an emerging model for organizing nonprofit boards of directors, one that maximizes every organizations most important asset the business-savvy board member. A summary of the first few chapters appears below. Come right back here next month to read the rest of it. Governance as Leadership: Reframing the Work of Nonprofit Boards, by Richard P. Chait, William P. Ryan and Barbara E. Taylor. BoardSource, Inc., John P. Wiley and Sons, 2005. SUMMARY: This book was commissioned by BoardSource, Inc. an organization dedicated to providing education and other resources to nonprofits and their boards. Experts all, the authors sought to answer key questions like Why is board performance still so often disappointing despite the ubiquity of training materials and opportunities? They conclude that the operation of boards needs to evolve with the times. The concept of governance is a new subject for research but may ultimately have more impact than leadership or organizational development studies. Trustees and executives who embrace this governance as leadership model must be prepared for less clear delineation of roles than in the past. The modern board has gained tremendous traction in professional circles since the books publication. Time will tell if the quality of nonprofit governance improves. KEY LEARNINGS: The authors begin by spelling out four First Principles: two assumptions about current practices and two declarations about a better future. 1) Nonprofit directors have become the disrupt a tightly-controlled agenda are able to leaders. In a world where nonprofit trustees exhibit make a higher-level contribution. Such meetings little real leadership, the CEOs are stepping up to are fatiguing to most board members. CEOs fill the void. 2) Trustees are acting more like looking to increase board engagement would do managers. Past practices for board recruitment for well to guide the board toward more open specific skills have yielded diversified boards whose discussion, even of fiduciary matters. Nonprofits seeking to have impact must match members function independently as consultants in their own field. 3) There are three modes of internal strengths and weaknesses to external governance, all created equal. To achieve threats and opportunities. Such choices are strategic governance as leadership, a board must perform in nature, and comprise this second mode of well in its fiduciary, strategic, and generative governing. Where once it was a sign of progress to functions. 4) Three modes are better than two or gather the board at an annual retreat to develop one, and together these three interdependent roles their strategic plans, modern boards seek to engage of the board form the basis of this model. in a nonstop pattern of thinking strategically. The Is a good board the same thing as a compliant authors identify six specific drawbacks to the one? While many executives may think so, boards strategic plans of old: 1) they have no traction, 2) have been created to check individual authority they have no patterns, 3) they have no strategies, and provide accountability. Providing clarity about 4) they have little or no input, 5) the pace of the role and responsibilities of boards (vis a vis change is slow, and 6) there are unforeseen their staff) is necessary - but not sufficient - for outcomes. high performance. Role clarity alone doesnt always Board members are often less heavily invested improve effectiveness. Only by addressing the in the organizations current programs or operations fundamental issue of the boards purpose can and are therefore more able than staff to imagine performance be improved. Its one thing for a alternatives. Boards are better suited to big picture board member to not understand their role, and visioning than to detailed planning, but only another thing to not be satisfied with it. when the board structure, meetings, and The purpose problem manifests itself in at information flow allow for it. To take full advantage least four ways: 1) some official board work is of strategic thinking potential of the board, episodic, 2) some official board work is intrinsically everyone must become comfortable with a blurring unsatisfying, 3) some important unofficial work is of the lines on the table of organization. undemanding, and 4) some unofficial work is rewarding but discouraged. To resolve the Next month: the authors describe the third mode fundamental issue requires a focus not on tasks of governance - which they call generative and and structures but on modes of thinking and provide suggestions for moving a traditional board leading. Type I fiduciary is performing audits toward this new kind of functioning. and oversight. Type II is building the logical strategic steps to get from here to there. It is the Local Consultant Cathy Allen celebrates Type III generative that is most needed, and most her life-long love of books at www. notably absent. This is the creative work of WhatIsCathyReading.com. She invites determining what future to strive for, or which visitors to download her two-page summaries, problems to solve. Not only is generative work comment on her blog, or connect to a fabulous more needed, it is more exciting and more engaging network of independent booksellers. for board members. While theres more to governing than merely discharging fiduciary obligations, many nonprofit boards dont even really undertake their fiduciary responsibilities. The first And your ad could mode of governing is the fiscal trusteeship be working part, which includes ensuring efficient and effective use of organizational resources. here too Less understood is the idea that quality reaching programming is as much a part of fiduciary over 23,000 responsibility as a thoughtful budget. Some boards embrace these fiduciary businessobligations in name only: voting focused favorably on budgets, expense reports, policy documents, even program readers in five evaluations put in front of them by their counties every staff. In this sense, they are not leading, but are following the CEO. Focusing on technical month reports tends to narrow thinking, limiting the ability of board members to offer creative Call Dave at the North Coast solutions or even to pose big picture Business Journal at 419-734-4838 questions. Only those who are willing to

! Y E H
ing k r o I'm w re he

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INSURANCE, from Page 12
restricted area of the hiring process. The applicant, or employee, needs to give written consent to allow an employer to get information on his or her background. Additionally, if the report is considered an investigative report (i.e. a report that will interview personal associates of the applicant) then the employer must also get consent for the type of information that will be collected. Though not a consumer report background check, applicant reference checks can still be a point of liability. Employers should require consent that frees them from any form of liability

September 2013

19

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when going through the applicants references. Since slander or defamation of character suits can be brought against previous and potential employers, some companies require applicants to waive liability for their referrers testimonies. In either case, information gathered from reference checks should be available only to those involved in the hiring process. Employers collecting information from references should also be careful of speculative or opinionated descriptions that cast a dark light on the applicant. Detrimental references can be a dangerous source of liability, with or without consent. A referrer must not make blanket statements like she never tried to do her tasks well or uninvestigated claims like I think he stole from me. Dismiss such testimonies and pay attention only to facts. Employers are required to provide references in good faith and are not to try to convince a new employer to dismiss an applicant. References, like any other test of job fitness, should only be done in terms of positive skills, never negative judgments. Former employers contacted for a reference should only confirm job position and the time period an employee was with the company. If asked, employers can also divulge whether the employee left in good standing. Details of employment history are sometimes permissible, but should be avoided altogether to prevent possible claims of defamation. Never disclose information about the employees personal life or disabilities. Any detailed medical test records or background checks should be closely guarded by a companys HR department and only divulged to managers when absolutely necessary. A breach of confidentiality, and an applicant or employee can

See INSURANCE, Page 22

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20 September 2013

North Coast Business Journal

www.ncbj.net

Credit Union Growth Spurs Groundbreaking

In late summer, VacationLand Federal Credit Union held a groundbreaking ceremony at their Hayes Avenue property in Sandusky, Ohio. Those in attendance included VLFCU Board members, staff, and representatives from local government and the Chamber of Commerce. The program included comments from Jude Hammond, Chairman of the Board of Directors, CEO Bryan Myers, and Ted Kastor of Janotta and Herner. Due to continued membership growth, expansion of services, and an aging facility, VLFCU is embarking on the construction of a two-story facility which will include both a full member service center and an operations center. The project was awarded to general contractor Janotta & Herner out of Monroeville, Ohio. The new building will be constructed directly behind the current branch and is expected to be operational by early fall of 2014. Cost of the entire project is estimated at $4 million. According to Bryan Myers, the new facility will eliminate over-crowded workspaces while providing adequate space for long-term growth. The credit union will experience cost saving measures by installing energy efficient systems and utilizing existing member-owned real estate. VLFCU members will also benefit from a convenient drive-up ATM, replacing the walk up ATM currently in Breaking ground for the new VLFCU Hayes office, left to right, Board Member Marcia Renande, COO Marla Troike, Chairman of the Board Jude Hammond, CEO Bryan Myers, UAW place. Chairperson Kathy Slusher, UAW Local 913 President Doug Preston, Board Member Joel Hassinger, and Board Member Jan Sadowski.

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North Coast Business Journal

September 2013

21

Car Dealer Still Around, 50+ Years Later

In an era of continuous change, the Baumann Auto Group is celebrating 57 years of serving the community. It began in 1956, when Al Baumann purchased Nieburger Chevrolet in Fremont. The 1950's turned into a life-changing decade for Al Baumann, and one that would shape the rest of his life... and his family's. Not only did Al begin a new career, but he had a son and began the business that was to evolve into the Baumann Auto Group. Al started his automotive career in 1953, selling cars at a Pontiac-Cadillac dealership in Fremont, Ohio. Two years later, his son, Buck was born. The following year, Al made a big step and purchased his own dealership in Fremont... and Al Baumann Chevrolet began. Al's reputation grew over the years, not only among customers... but also among his employees, many of which stayed with the company for many years... resulting in long-lasting relationships and (most of all) friendships. Business boomed and led to the purchase of a Buick franchise in 1984 and a further expansion, in 1990, which was to include the Pontiac-BuickGMC dealership in Tiffin, Ohio. In 2001, the Chrysler-Jeep-Dodge dealership in Fremont was acquired, followed by the Chevrolet-CadillacBuick-Pontiac dealership in Port Clinton, Ohio later that same year. The Baumann Auto Group is continuing to grow: in August 2006 the Chrysler-JeepDodge dealership in Port Clinton was purchased. Partnered with that is a new state of the art building to house the Chrysler-JeepDodge franchise in Port Clinton. In August of 2008 the company purchased a Chrysler-JeepDodge franchise in Norwalk, Ohio and added to that location with a Hyundai franchise in November 2010. In April 2012 Genoa Ford and Genoa Chevrolet in Genoa Ohio; and in May, 2013 , Baumann Chevrolet Buick GMC in Tiffin

Buck Baumann states he is proud to continue his father's vision in the 9 dealerships that are in Fremont, Tiffin, Port Clinton, Norwalk and Genoa.

Partnering to cure cancer close to home.

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

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

22 September 2013

North Coast Business Journal

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Taxes
Casualty Losses
By: Jeff Rosengarten, CPA, CFE Payne, Nickles and Company Taxpayers who experience certain types of major personal casualties may be able to recoup some of their losses through tax savings. An itemized deduction may be available for personal losses from fires, storms, car accidents, and similar "sudden, unexpected, or unusual" events. Losses from theft are included as well. The deduction is only available for physical damage or loss to your property. Thus, if you are in an automobile accident and pay for the damage done to the other driver's car, the cost does not qualify. Similarly, if you're injured in the accident, your medical bills do not qualify as part of your casualty loss (although they may being available. First, to the extent you are insured, result in a medical expense deduction). you must reduce your loss by your However, you Figuring the loss. The loss is not reimbursement. always the decline in economic value shouldn't fail to file an insurance claim you suffer. It's measured as the lesser of in the hope of increasing your (a) the drop in value and (b) your basis deduction. If you do, IRS will reduce your loss by the insurance in the property (usually, your cost). reimbursement you could have Example: Dan bought an antique received. Next, for each casualty, you must vase for $500 which rose in value to $3,000. It was damaged in a fire after reduce your loss amount by $100. Note which it was worth only $1,000. For that this reduction is per "event," not tax purposes, the casualty loss is only per item damaged. Thus, if a storm $500, even though the economic loss knocks over a tree that damages your was $2,000 ($3,000 $1,000). The car and home, you have three property lesser of cost ($500) and drop in value losses (tree, car, house) and only one reduction. ($2,000) is used. Third, after combining all your losses It may be difficult to establish these elements. If you have your original under the above guidelines, you must receipt, you can show your cost. In reduce them by 10% of adjusted gross some cases, appraisals will be needed income (AGI). Only the loss amount to establish pre- and post-loss values. above this "floor" can be deducted. Sometimes, repair costs can be used as This final limitation is often the one that wipes out the deduction. For a measure of drop in value. Limitations on the deduction. example, if your AGI is $75,000, your The loss figure must be reduced by losses (determined as described above) three amounts. In many cases, these are only deductible to the extent they reductions result in no deduction exceed $7,500 (10% of $75,000). disaster in a federally declared disaster area, you can elect to take your loss in the year before it was incurred. This may increase the tax savings from the loss and may entitle you to a refund earlier than if you waited to file the loss year's return. Non-itemizers can't take casualty loss deduction. Individual taxpayers who don't itemize deductions can't deduct their casualty losses. Casualty gains. Also bear in mind that not every casualty results in a loss for tax purposes. There is such a thing as a "casualty gain." For instance, suppose a taxpayer buys a house for $100,000 (his tax basis) and it increases in value to $300,000 over the years. If it's destroyed and the taxpayer receives close to $300,000 in insurance, he will have a gain of close to $200,000 since his basis was only $100,000. In many cases, tax on a casualty gain can be avoided or deferred. Please call me so we can review your options if this situation applies to you. For additional information on these issues, please consult your tax advisor.

When to take the deduction. Except for "disaster losses," the (Authors note: This article is not deduction is taken in the year the loss intended to offer professional tax is incurred (or, for a theft, the year it's advice. Please consult your tax discovered). If your loss is from a advisor.)

INSURANCE, from Page 19

easily make a case for defamation of character or illegitimate public disclosure of information. Negligent Hiring The biggest problem with hiring new employees isnt always overstepping boundaries with the applicants that are not hired; its making certain that the ones that are hired are not a danger to the company. Negligence in employment is an employer liability that can put tremendous stress on an HR department or employer. If an employee harms or harasses a co-worker, the employer can be held responsible for negligence in employment if it is determined that the employer knew, or should have known, that such an event could happen. Employers who hire without investigating applicant backgrounds or properly testing skills put themselves at great risk for negligence liability. Since punitive and reputational damages from hiring a dangerous employee can be large, employers must try and find out as much about an applicant as they can before extending an offer for a job. However, information gained through investigation may make an employer liable for invasion of privacy or discrimination when it is discovered. This forces employers to walk a fine line and exposes a company to several risks during the hiring process. The challenges of finding new employees for your company should not be taken lightly. Despite every effort to be fair, unbiased and respectful of an applicants privacy, there will always be cases where discrimination is perceived and challenges are brought against a company. Fortunately, insurance coverage is available to the officers and departments that put themselves in the danger zone to recruit and hire the best workers available. Contact Diversified Insurance Service to find out more about hiring risks and what you can do to protect your company from the liabilities brought to your door. Contact Mark Reilly of Diversified Insurance Service at 800-848-2788 for more information on employment practices or Employment Practice Liability coverage.

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September 2013

23

A Year of Growth for the Erie-Ottawa Regional Airport

from 2011. Airport Director, Gebhardt attributes the increase to friendly, courteous service and activities at the airport to encourage aircraft traffic. We want to be known as the friendliest and most professional airport in the area. The airport has a variety of fly-ins including: Ice Cream Socials, Chili/ Corn Bread, Radio Controlled Exhibition, Pancake Breakfast, Art Show, B-17 Rides, Blue Grass Festival, and more. All events are open to the public. The Liberty Aviation Museum and the Tin Goose Diner have proven to be exciting attractions for the airport. The museum offers WW II warbirds and exhibits as well as the ongoing construction of a Ford Tri-motor. The Trimotor project has a goal to be completed in 2018. The Tin Goose Diner has received high marks for quality food and generous portions. Both are located on the airport grounds. The airport averages about 500 airplane arrivals each month. Summer months include vacation and business arrivals while winter months are comprised of business and island arrivals. The airport has entered a strong growth phase in 2013. Currently, 7 private hangars are under construction. Each of these hangars will be able to house 2 to 3 aircraft. The airport is constructing a taxiway to support these hangars as well as the Liberty Aviation Museum's second hangar, a 150 foot by 225 foot building scheduled to start erection in October of this year. The Eagle's Nest Hangar Condominium Association is also planning to build additional hangar space in the near future. Customs services are opening soon at the airport. A temporary building is on site to be utilized by CBP until the permanent structure is built and opened by spring of 2014. Customs will allow aircraft entering the U.S. from abroad to land at Erie-Ottawa to clear customs and is also necessary for U.S. citizens to return from Pelee Island, a popular summer destination. Griffing Flying Service is also moving to ErieOttawa Regional Airport this fall following the closing of Sandusky Airport. The Griffing move will attract more revenue to the airport with aircraft maintenance, flight instruction, and charter services. Griffing and the airport have negotiated a lease to rent previously empty space for their operations. They are also constructing an 80 foot by 100 foot hangar to house their aircraft.

Submitted by Stan Gephardt, Airport Director Located in the heart of Ohio's Lake Erie Shores & Islands, Erie-Ottawa Regional Airport is central to Sandusky and Port Clinton. It is a gateway to the Lake Erie Islands and a portal to countless vacationer destinations. EORAA is the largest airport between Toledo and Cleveland, and has both 5646 foot (east/west) and 4000 foot (north/ south) runways. The airport can accommodate aircraft from single engine private planes up to business jets. EORAA has increased fuel sales revenue by 60%

New Partnership between Terra State and Ohio University

Terra State Community College students with aspirations of pursuing a bachelors degree now will be able to continue their academic pursuits near home through Ohio University, after the two schools signed a partnership agreement on Friday, August 16. As a result of the new partnership, Terra State students will be afforded the opportunity to earn a bachelors degree by completing part up to three years of their higher education on Terra States campus and the remainder of academic courses at Ohio University. The partnership includes an option of earning a degree through distance learning, so students may remain in Fremont while attending OHIO. The two academic institutions announced their new partnership at a signing ceremony on Terra States campus. "Terra State is excited to partner with Ohio University in offering our students the opportunity to continue their education and complete their bachelor's degree from one of Ohio's premiere institutions of learning, said Terra State President Dr. Jerome E. Webster. With their strong academic programs and committed and dedicated faculty and staff, we at Terra State could not be more pleased to join forces in extending educational opportunities for students with OU. We look forward to a long and fruitful partnership that benefits our shared students." The collaboration between Terra State and Ohio University will offer individuals who have earned an associate degree in a technical field from Terra State an opportunity to complete a bachelors degree from Ohio University without leaving the region. Following completion of articulation agreements between the institutions, two degree programs are expected to be offered initially as part of the agreement. Terra State students who have completed an associate degree in a criminal justice area may earn a Bachelor of Criminal Justice degree. Graduates of Terra States Registered Nursing program will be able to complete a Bachelor of Science in Nursing through a program designed with working nurses in mind. The institutions anticipate adding other program options in the future. While pursuing their bachelors degrees, students will have the option of taking some of the required academic courses from Terra State while they take others from OHIO. We are pleased to be able to offer students whose work and family circumstances prevent them from attending classes at Ohio Universitys Athens campus the opportunity to experience the academic excellence that is a hallmark of our bachelors degree programs, said Ohio University Vice Provost for eLearning and Strategic Partnerships Deb Gearhart. Access and affordability are keys for students seeking a quality higher education experience and this partnership offers those features, while providing options for technical degree graduates to advance their education. In addition to convenience, the new programs will provide affordable options for students who

Dr. Jerome E. Webster, President of Terra State Community College, and Deb Gearhart, Ohio University Associate Vice Provost for Strategic Partnerships and eLearning, sign the Memorandum of Understanding for the new partnership may not desire or be able to relocate by offering a considerable savings on the cost of tuition toward a bachelors degree. Students in the programs will pay the Terra State tuition for any courses taken on their campus and only $240 per credit hour for courses taken online from Ohio University (by Ohio residents). The partnership also streamlines transfer of credits, student services and financial aid activities for students in the program, facilitating the ability to move easily between the two institutions systems. For more information about the academic programs available through the Terra State and Ohio University partnership, visit www.ohio.edu/ terra.

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Legal
Our Parents
By Jeff Roth With individuals living into their ninetys and beyond, a problem is developing. This is not a legal article but an observation of many clients. Parents are very independent today. They let it be known that they can take care of themselves. Parents do not want a child assisting or even asking about their ability to remain alone. We have parents who do not want help and the child, in the name of respect, who does not think they should interfere. While this is happening over time, the parent IS getting older and no preparation is made for the inevitable. Suddenly, the hip is broken, the car accident happened or mom is not sure who you are. This is not an overstatement. I speak with adult children who say mom will not accept help. But what amazes me more is the child who stands back and lets life goes on for the parent. There is not an easy fix, but it is my observation that the child needs to be the parent and keep one step ahead. I see adult children not admitting that mom is getting older and it is often the child that does not accept the reality of aging. The adult child must do all of the home work. They need to have a long term plan for the parent. They need to know the history of the parents family. Is there cancer, Alzheimers or other medical issues in the family tree? It is a fact that many of these problems are repeated. This is not a time for children to fight, but rather work together and be prepared. Then comes the next issue. One child takes over and either leaves out the others or the others do not want to be a part of the solution. What I want to say to the children is diplomatically take charge and think for the parent. Not verbally, but look to the future and have a game plan that will be workable for both the parent and the child. There may be the time that you have to take away the keys or have the parent, for their only safety, move from the homestead. This may make you the bad guy but out of love, it is necessary. There was a time when the parent did everything for the infant child and now the adult child must repay that kindness with the same action of thinking for the parent. The key is to make the parent feel that it was their idea and the child is accepting the decision of the parent. Pure psychology here. Just prior to the emergency, the parent decides to downsize or move closer to the child. This article is a result of my observations. There are times I want to call that child and say now is the time. Be there for your mom and guide her to right and healthy decisions. 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 2013.

Protection from the Top

A national study shows that the life of your roof is directly related to how often it is inspected and how quickly small problems are identified and repaired. Your building and its contents are your companys largest assets and it is necessary to protect them with preventative roof maintenance. To maximize your roof longevity building owners should prepare with yearly spring and fall inspections, debris cleanup, sealing and/or patching of failing areas and/or a roof coating. To avoid unnecessary damage from leaks, a roof inspection should be done in the fall to diagnose any areas of concern before winter comes. Potential leak points can become disaster areas once rain and snow settle in and freeze for the winter. Gutters should also be free of debris to prevent ice dams and roof damage. Spring inspections should be done to remove debris from the fall and winter and to check for areas of concern before the spring rain arrives. Debris left on the roof will cause drains to backup. In turn, this will leave excessive amounts of water on your roof and could potentially cause a roof to collapse under the pressure and weight. If you are considering inspecting the roof yourself, the areas for inspection should be: stacks points Chimneys and Flashings Skylights Gutters Te r m i n a t i o n Drains

companies to budget monies for future replacement versus a poor roof taking immediate precedence with little to no money set aside. A budget friendly alternative to roof replacement is a roof coating. Coatings are considered building maintenance, they are tax deductible and they do not have to be capital expenditure. There are many coatings available to fit your needs and many of them come with 5-15 year warranties. Maintain your assets by protecting from the top! Submitted by Damschroder Roofing, Inc. Fremont, OH

Items of concern are often peeling and deteriorated caulk, holes or cuts from items foreign to the roof, cigarette burns, and storm damaged areas. A properly maintained roof system can last years beyond its predicted life-expectancy. If you are unsure of the condition of your roof or its longevity, a life cycle cost analysis can be done. An analysis will provide you the current condition of the roof, any areas of concern and remaining life of the roof system. This is very important because it allows

Coming in October: Focus on Sandusky & Erie County

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New Cleveland Clinic Spine Surgery at Fisher-Titus

Fisher-Titus Medical Center and the Cleveland Clinic have announced a new clinical affiliation that will provide world-class spine surgery services to area residents through a program called Cleveland Clinic Spine Surgery at Fisher-Titus, according to Ross Matlack, FisherTitus president and CEO. This second clinical affiliation with Cleveland Clinic allows us to meet a long-standing need in our community for a spine surgery program, said Matlack. The addition of the spine specialization to our current surgical team augments the outstanding work of physicians in our Pain Management Center as well as the skilled team of doctors at Advanced Neurologic Associates and our rehabilitation professionals in treating spine, back and neck conditions up to the point of surgery. The spine surgery program will be led by Board Certified Surgeon Don K. Moore, M.D., who is moving to the area from Florida where he has been in practice for the past 16 years. Dr. Moore will provide a wide range of the latest spine surgery techniques for conditions such as disc herniations, spinal stenosis, and a variety of back and neck disorders. Dr. Moore will begin seeing patients in September. His office will be at 34 Executive Drive, the same facility in which Advanced Neurologic Associates has its Norwalk offices. He will perform surgeries at Fisher-Titus Medical Center. Fisher-Titus offers its patients high-quality pain management, neurology, and rehabilitation. The Cleveland Clinic Spine Surgery program will enhance the options and services for each patient, said Dr. Stephen Samples, Vice Chairman for Regional Neurosciences in the Neurological Institute at Cleveland Clinic. Dr. Moores experience, expertise and utilization of the Cleveland Clinic Spine Surgery protocols will offer quality outcomes consistent with the success of our nationally recognized Spine Center. To support the spine surgery program, Fisher-Titus offers a full range of services, including preadmission testing services before surgery; expertise from its surgical support team during surgery; highquality inpatient rehabilitation; and home-based services and outpatient physical therapy after surgery to help patients in their recovery. Cleveland Clinic Spine Surgery at Fisher-Titus will provide patients with access to innovative surgical treatments for spinal disorders, including minimally invasive techniques that result in less postoperative pain and faster recovery. This affiliation gives us the opportunity to bring specialists together with a multidisciplinary team approach to provide our patients with comprehensive spinal care, said Matlack. We can now offer a full range of treatment options to ensure that patients with spine problems get the treatment they need quickly, efficiently and easily without leaving our local community. Our expert physicians and surgeons, highly trained staff and advanced technology mean our patients will receive the best possible care and excellent outcomes. Dr. Moore will be employed by Cleveland Clinic and be supported by the outstanding surgery team at Fisher-Titus that includes 24 surgeons, 17 registered nurses, 11 surgical technologists and other support staff with years of advanced training. More than 6,700 surgical procedures were performed in 2012, including robotic-assisted procedures. In June Fisher-Titus and The Bellevue Hospital, Bellevue, announced a clinical affiliation with Cleveland Clinics Sydell and Arnold Miller Family Heart & Vascular Institute bringing world-class heart care to area residents and providing greater access to Cleveland Clinics academic, clinical and research best practices in cardiovascular and thoracic care. Like the heart affiliation, this clinical affiliation will provide local access to this high level of care to our patients, allowing more of our community members to stay here for their surgical care, said Leslie Stoneham, chairman, Fisher-Titus board of directors. We are pleased to have Cleveland Clinic working with us again to bring new and expanded services to our community. It is through arrangements like this affiliation that we strengthen our hospital and community by providing vital medical services in our communities, as opposed to having patients travel to Toledo, Sandusky or Cleveland for these services. Don K. Moore, M.D. will provide spinal surgical services at the Cleveland Clinic Spine Surgery at Fisher-Titus beginning in September. He is relocating from Port Saint Lucie, MOORE Fla. where he has specialized in spine surgery at Florida Orthopaedic Specialists for the past 16 years. Hs special interests include cervical, degenerative and oncologic spinal disorders, minimally invasive spinal surgery and outcome and evidence based procedures. A former Michigan resident, Dr. Moore was his high school valedictorian and earned a four-year Wayne State University (Detroit) Merit Scholarship. He graduated magna cum laude from Wayne State in 1985 with dual undergraduate degrees, a bachelor of science in biology and a bachelor of arts in chemistry. He was a member of Phi Beta Kappa. Dr. Moore earned his doctor of medicine from the University of Michigan Medical School, Ann Arbor, Michigan in 1989. His Orthopaedic Surgical Residency training was completed at the former University of South Florida in Tampa, Florida and at the University of Michigan in Ann Arbor, Michigan. Prior to his spine fellowship, he pursued an orthopaedic trauma fellowship in Chur, Switzerland. Dr. Moore completed Spine Surgery Fellowship at University of Wisconsin in 1997. Dr. Moore and his wife are moving to the area. Their two children attend the University of Michigan.

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Human Resources
One Way to Survive the Staffing Crisis: Cross Training!
By: Steven J. Krisfalusy, Sr. Mgmt. & HR Consultant, Beringer Group LLC. As we are all aware the boomer generation is not only the largest generational work force group in history, they will be retiring soon. The nickname for that wave of loss to the work force is often called the brain drain. Whether those accrued skills are in manufacturing, technology, distribution or other various fields, we know that many tricks of each trade are learned & earned over years and not from a book. An interesting thing I often see in many-many companies is that basically nothing is being done about it even though everyone knows & agrees it is happening. It is predicted that the next 2-5 years will bring dramatic change to the human capital factors of our businesses and few are prepared for what lies ahead. Brain drain is just one aspect; hiring and staffing Millennial's as replacements is another; creating a culture to keep them is right in line with the rest of the huge tasks that face all businesses. Large enterprise companies already started taking the staffing crisis issues very seriously. They are actively spending a lot of time and money to help ensure their ability to staff and fill jobs in the near future. Why are they doing this? Simple! They want to cherry pick some of the best people before they even hit the streets or respond to your ads. Lets face it, small businesses cannot compete on that level but they can start doing something about the staffing crisis & brain drain now. What can a small business do that they can afford? Establish a more formal Cross Training program. Where do I start? A great place to start is to make sure you have a clear understanding of your peoples skills, hobbies and desires to learn. A huge problem I come across too frequently is that businesses often put people in silo roles and dont take advantage of the entire skill set they already have in house. The next step is to create a realistic plan based on the businesss needs, time and budget allocations. For example: I am sure you know that no business owner gets 100% (8 hrs.) of productive time from any employee who is not an owner. Recognize and take advantage of that mental break time and put people in a learning situation. It helps them get away from their usual tasks, increases productive time and creates a greater ROI for both employee and the business. Establishing someone to own or lead these initiatives is critical and without that person, great ideas usually die a slow death. Also let people know it is OK to use that time for training/coaching. Most employees will hesitate to do so in fear of it being perceived as wasting time. On the contrary, it actually creates a better ROI, short & long term. There are too many creative aspects to list at this time but hopefully you will have gained some additional knowledge and awareness so you can make better decisions as the leader of the business. That is all up to you. Good Luck!

New Docks in Oak Harbor

The newly installed docks in downtown Oak Harbor on the Portage River are already being put to good use. There were two boats docked up this past weekend visiting downtown. The floating docks are just one piece of the recent improvements in downtown Oak Harbor that have been accomplished through the Downtown Revitalization Committee. Future downtown and riverfront developments are being planned during the committees bi-weekly

meetings. The goal is to complete the projects without using taxpayer dollars, and donations have funded the projects thus far. The committee is conducting a survey of the community and those will be available at various locations throughout Oak Harbor in the coming weeks. If you have any questions or would like more information, please contact committee chairman, Mike Shadoan at 419-706-6034.

Terra Board Tours New Center

The Terra State Community College Board of Trustees toured the new Conference and Hospitality Center after their meeting Wednesday. Dr. Jerome Webster, Terra State President, and Elaine Rosengarten, Director of Facilities and Plant Operations, directed the tour. The center will play host to meetings, conferences and social events, and serve as a lab for the hospitality management program. A grand opening for the building is scheduled for November 14.

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Creating a Plan for Business Success

By Roger Bostdorff B2B Sales Boost, LLC has developed and delivered executive briefings for many different audiences of Presidents and Owners of companies. Creating a Plan for Business Success is one of these presentations. This interactive Executive Briefing focuses on the 5 step Closed Loop Process approach to business that will produce positive results in top line revenues and bottom line profits. The Closed Loop Process for Business Success is an internal planning and management process. Many companies are actually doing some of the 5 steps. However, since this is an integrated process unless successfully fulfilling each step your success diminishes. The five steps are as follows: -1. Define the Big Picture -2. Break it down -3. Organize the three Ps -4. Execute the Plan -5. Annual Evaluation 1. Define the Big Picture-this section communicates the importance of defining your objectives out at least three years. These objectives might include revenue, market share, employee morale, customer satisfaction, etc., whatever criteria that is important to the company. Without goals and objectives how do we measure success? These goals and objectives need to be created by the management team and communicated to the entire team. The entire team needs to understand why attaining these goals and objectives are important to the company and thus important to each individual on the team. By explaining and getting buy in of the entire team you change your workers from employees to teammates. What a difference in attitude, approach and results!! 2. Break it down-Since we have, at a minimum, goals set out at least three years we need to breakdown the goals. What do we need to do this year to take the first step to attaining our three or five years goals? These goals should be broken down by unit and even individual if possible. The annual goals need to then be broken down by quarter and then by month. You may need to take into account some seasonality as an example. This allows the organization to build accountability into the system. 3. Organize the Three Ps-People, Processes, and ProceduresDo we have the right people in the right roles? Or do we have a shortstop attempting to be a pitcher? Do we have processes set in place to help us attain our goals or are their obstacles that are going to get in the way? Are the procedures in place helping or hurting our attainment? 4. Execute the Plan-Once we get the plan set and communicated, as well as reviewing the three Ps, evaluated and modified appropriately it is time to execute the plan. As we execute the plan we are also measuring it along the way. We will need to make appropriate adjustments as the year progresses. 5. Annual Evaluation-At the end of the year the company needs to evaluate how they did against the annual objective that we set in place. There should be no surprises here since our accountability system has told us all along our progress. We need to see what we did right, wrong or could do better and then adjust our plan accordingly for the following year.
ncbj1111AHAC.pdf 11/2/11 11:18:48 AM Creating this process defines a

Sales

roadmap that increases the odds of success for any organization. Think about if The Closed Loop Process for Business Success has a place in your business. I like your odds with it, not so much without it. Roger Bostdorff is the President of B2B Sales Boost. He spent over 30 years with IBM in sales and sales management. B2B Sales Boost is a consulting company helping organizations improve their sales and overall business processes. You can find more about B2B Sales Boost on the web at www.b2bsalesboost.com or calling 419-351-4347. If you would like to receive the B2B Sales Boost Newsletter please send an email to sales@ b2bsalesboost.com

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Port Clinton's Cutting Up!

Salon 53
The Port Clinton Area Chamber of Commerce held a ribbon cutting ceremony for Salon 53 located at 3958 Harbor Light Landing on August 9. Representatives from the Chambers Board congratulated Brenda Belcher on grand opening and wished her many years of success! Salon 53 is a full service hair and nail salon dedicated to service and value.

Executive Cleaners
The Port Clinton Area Chamber of Commerce held a ribbon cutting ceremony Executive Cleaners on Friday, August 2. Representatives from the Chamber congratulated Emily and Eck Abazi on their grand re-opening in their new location at 1400 E. Perry Street in Port Clinton.

Pictured left to right: Ottawa County Commissioner Jim Sass; William Moore, PC Chamber Board; Lee Vivod, PC Chamber Board; Brenda Belcher, Owner/Stylist; Jessica Rodwancy, Stylist/Nail Technician; Brooke Shoup, Nail Technician; Chuck Miller, PC Chamber Board; and Laura Schlachter, Port Clinton Area Chamber of Commerce. Not pictured: Amber Anstead, Stylist; Sandy Costello, Hair/Make-up/Waxing; Rachel Gardner, Cut/Color Specialist; Sherry Garverick, Stylist/Nail Technician; and Kim Mallory, Stylist/ Nail Technician -----

Pictured left to right: Laura Schlachter, Port Clinton Area Chamber of Commerce President; Lee Vivod, Port Clinton Area Chamber of Commerce Chairman; Emily Abazi, owner; Edije Zeigler, Manager; Eck Abazi, owner; Diana Morrison, employee; and Missy Walker, Main Street Port Clinton PastPresident. ----

Dalena Buchman Beaute

The Port Clinton Area Chamber of Commerce held a ribbon cutting ceremony Dalena Buchman Beaute located at 1400 E. Perry Street in Port Clinton on Friday, August 2. Representatives from the Chamber congratulated owners Dalena and Jeff Buchman on their grand opening and commitment to our community.

Fowl Foolers

The Port Clinton Area Chamber of Commerce held a ribbon cutting ceremony for Fowl Foolers located at 2435 E. Gill Road in Port Clinton on August 22. Representatives from the Chambers Board congratulated Scot Smith and Charley Heiges on their grand opening and wished them many years of success!

Pictured left to right: Laura Schlachter, Port Clinton Area Chamber of Commerce President; Michaeleen Jessee, hairstylist and nail tech; Holly Gresh, hairstylist; Dalena Buchman, owner and hairstylist; Kaila Bunce, hairstylist; April Smith, hairstylist and nailtech; Kyla Buchman, daughter; Amrynn Buchman, daughter; Jeff Buchman, owner; Lee Vivod, Port Clinton Area Chamber of Commerce Chairman; and Missy Walker, Main Street Port Clinton Past-President.

Pictured left to right: Doug Focht, PC Chamber Board Member; Laura Schlachter, PC Chamber President; Lee Vivod, PC Chamber Board Chairman; Joe Zamm; Keith Wilson; Rosalyn Ahner; Jaime Wilburn; Michael Ahner; Charley Heiges; Jason Rosin; Michael Best; Scot Smith; and County Commissioner Jim Sass.

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On The Move
Genoabank Names Skilliter as New Mortgage Loan Originator
GenoaBank, a locally owned, independent, community bank, today announced Blair Skilliters appointment as new Mortgage Loan Originator. Skilliter joins the SKILLITER team as a Mortgage Loan Originator, and will report to Mark Carr, GenoaBanks Vice President, Mortgage Sales Manager. Skilliter will be based in the banks Genoa branch, but will be available to provide mortgage loan assistance at any of the banks other branches. He will be serving the communities in Northwest Ohio. Skilliter, a Genoa resident, earned his Bachelor of Arts from University of Mount Union; majoring in Marketing and Sales. .

OB/GYN Specialist Joins Memorial Hospital Medical Staff

O B / G Y N checkups; and much more. She also specialist Marjorie has experience with pelvic floor DeMund, M.D. surgery and minimally invasive has joined the (laparoscopic) surgery. Dr. DeMund Memorial Hospital is a certified menopause practitioner. medical staff. Dr. Dr. DeMund earned her medical DeMund has 24 degree from The Ohio State years experience as University. Following a general an OB/GYN surgery internship at Fairview physician; she is General Hospital in Cleveland, she board certified by DEMUND completed her OB/GYN residency at the American St. Lukes Hospital, a teaching Board of Obstetricians and hospital of Case Western Reserve Gynecologists (ABOG). Dr. DeMund University. comes to Fremont from the Akron During her medical career, Dr. area, where she has spent most of DeMund has worked in private her career. practice as well as part of larger Dr. DeMund provides health systems. She is a member of comprehensive womens health the American College of Obstetricians care, including obstetrics, prenatal and Gynecologists. Dr. DeMund also care, gynecological care, menopause served as a captain in the Ohio management; well-women National Guard. NCBJCommHospice_08_12.pdf 8/20/12 5:37:24 PM

Denao Ruttino Selected as Director of Information Systems

F i r e l a n d s Regional Medical Center is pleased to announce that Denao Ruttino has been hired for the position of Director of Information Systems. In his roll, Ruttino will RUTTINO be responsible for the overall management of the information services functions for Firelands Regional Health System. Ruttino brings with him 18 years of information technology and leadership experience. Most recently, he served as Chief Technology Officer and Chief Executive Officer of a private information technology organization. Ruttino earned his Bachelor of Science in Information Technology/Security from Western Governors University, has multiple high-level technical certifications and an Information Technology Infrastructure Library (ITIL) certification. In addition, Ruttino served in the United States Army. He is also an active member of the EHOVE Curriculum Advisory and Norwalk Public Library boards. Ruttino resides in Bellevue with his wife and two daughters.

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

JB & Company, Inc. Adds Hartzell

JB & Company, Inc., a Tiffin OH based commercial and industrial roofing contractor is pleased to announce the addition of Hardy Hartzell to the JB Roofing team. Mr. Hartzell has HARTZELL accepted a Business Development/Sales position with JB & Company and will be starting August 5, 2013. He has 30+ years experience in the construction industry. He will be focusing on strategic sales and revenue opportunities by leveraging his relationships to create revenue growth in our Service and Maintenance division and also on Private Reroof and New Construction opportunities.

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On The Move
First National Banks Adds Two
James V. Stouffer, Jr., New Board Member: Elected to the Board of Directors for a three-year term. Mr. Stouffer is President and Chief Executive Officer of Catawba Cleveland Development Corp., which includes the management of family owned businesses Catawba Island Club, Catawba Island Marina, and real estate development. Mr. Stouffer attended Miami University and Bowling Green State University and holds a degree in Finance. He resides in Catawba Island Township and is currently a STOUFFER member of several Boards of D i r e c t o r s i n c l u d i n g F i r e l a n d s Regional Medical Center, Firelands S y m p h o n y Orchestra and Otterbein North GREENE Shore.

Firelands Physician Group Welcomes Dr. Mast, Dr. Morris, and Andra Kurtz, NP-C
Firelands Physician Group is pleased to welcome Eric Mast, DO (family medicine); David Morris, MD (internal medicine/ pediatrics/sleep medicine) and Andra Kurtz, NP-C to their multispecialty group. MAST The physicians are on the medical staff at Firelands Regional Medical Center and provide patients with a full range of services including: Wellness Care Preventative Medicine Sleep Disorders (including sleep MORRIS KURTZ apnea & insomnia) Pediatrics (including well-child care) Asthma Diabetes, Hypertension & Cholesterol

Marie Greene, Residential and Consumer Lender: Greene will be located at the main office in Bellevue. Greene has over 35 years of financial services experience within several larger regional banking companies. She resides in Vickery and is very familiar with FNB markets.

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Art Maines

Ellie Polter

Maria Sanchez

Dr. Traci McCaudy

Every patient. Every day. Every encounter.

At Memorial Hospital, our emergency care team delivers high-quality care in the safest manner possible, without exception. We deliver the best possible care to every patient, on every day, at every encounter.

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