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August 2010



Stammen Insurance Agency receives award
STAMMEN INSURANCE AGENCY has recently received an award for 2009 ranking #1 in Agency growth with Merchants Insurance Group in Property and Casualty business. Merchants Insurance was established in 1918, with their corporate office located in Buffalo NY, and their OH Regional office is located in Dublin OH. Present for the Award Ceremony (from left to right) were Bob Zak President and CEO of Merchants Insurance Group, Mark Stammen & Bill Stammen representing Stammen Insurance Agency, and Ray Bosche Assistant Vice President and Regional Manager of the Merchant’s Insurance Dublin OH office.

Paulding County first in Ohio to establish alternative energy zone
By DENISE GEBERS Progress Staff Writer Paulding County has become a front runner in Ohio in the race for green energy. Last week, the Paulding County commissioners passed a resolution declaring Paulding County an alternative energy zone (AEZ), effective immediately. They were the first in the state to do so. Besides naming the county an AEZ, the legislation exempts taxes that would normally be levied against the assets of the alternative energy projects and requires Payment in Lieu of Taxes (PILOT). The three-man board unanimously adopted the document June 21 to “...encourage the development of alternative energy generation facilities.” Commissioners took their action closely on the heels of the passage of Senate Bill 232 on June 11. It was signed into law on June 17. “We see this as

the best option, with great potential for the county,” said Tony Zartman, chairman of the board of commissioners. “This will allow the wind farms to start moving forward with construction, after they secure their permits from the state siting board,” noted Zartman. Recognizing the fact that developers interested in locating wind turbines locally wish for “appropriate incentives to support” the projects, the board expressed its willingness to “...provide real and tangible personal property tax exemption ... provided the appropriate service payments are made.” PILOT fees are determined by a formula set out in the state legislation. Critical to this formula is the number of Ohio residents who are employed during construction and the energy output of each turbine. The PILOT fee will be distributed in the taxing district affected by the project the same way personal See ENERGY ZONE, page 4

Construction to begin this fall on new co-op office
PAULDING – Paulding-Putnam Electric Cooperative Inc. is one step closer to realizing their goal for expansion. The Vetter Design Group located in Toledo is the chosen architecture group who will be designing the new building location for PPEC. The Vetter Design Group presented an artist’s rendering of the new facility. With a few modifications, the exterior design was approved by the board and employee building committees. Construction bids are to be released by August with construction mobilization in October and completion scheduled for late summer of 2011. Members are encouraged to follow the building

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Only Three in Ten Americans Expect the Economy to Improve in Coming Year
NEW YORK -- Earlier this year, Americans seemed to see some green shoots and there was a little economic optimism forming. At the moment, this optimism seems to have slowed down slightly. Looking ahead to the coming year, just three in ten U.S. adults (30%) say they expect the economy to improve while two in five (42%) say it will stay the same; 28% believe it will get worse. Last month, almost two in five Americans (38%) said they thought the economy would improve in the coming year while 34% said it would stay the same and 28% believed it would get worse. These are some of the results of The Harris Poll of 2,227 adults surveyed online between June 14 and 21, 2010 by Harris Interactive. Narrowing the time and focus to the next six months and one’s own household finances, just one in five Americans (21%) believe their financial condition will be better in the next six months while over half (52%) say it will be the same and 27% believe it will get worse. In May, one-quarter (25%) believed their household’s financial condition would be better in the next six months while 47% believed it would remain the same and 28% said it would be worse. There is an interesting generational difference in how the coming six months are perceived. Younger Americans are more optimistic. Almost three in ten (28%) Echo Boomers (those 18-33) say their household’s finances will be better in the next six months and only 19% say they will be worse. Going to the oldest generation, Matures (aged 65 years and older), just 14% believe their household’s finances will be better in the next six months, while over one-third (36%) say they will be worse. There are also political party differences. Over one-quarter of Democrats (27%) say they expect their household’s financial con-

PCS Nitrogen Facility Temporary Shutdown
Lima, Ohio. – On Friday, August 6, 2010 a planned shutdown of operations will occur at the PCS Nitrogen facility near Lima, Ohio. The shutdown, which has been scheduled to complete capital improvements and plant maintenance, is expected to last for approximately 58 days. The 2010 outage will be one of the most comprehensive in the history of the Lima operation. The company is investing approximately $45 - 50 million dollars in capital and maintenance spending to complete this outage. During the shutdown period the company estimates approximately 600 additional contract personnel will be on site to assist in completing the capital projects and maintenance activities. It is estimated that utilizing the additional contract personnel will result in additional local spending in the neighborhood of $2 – 2.5 million dollars. The company plans such shutdown periods every four to five years, for the execution of inspections and repairs as part of our dedication to the safety of personnel and neighbors protection of the environment, and to maintain continuous reliable operation of the plant. PCS Nitrogen’s management wants area residents to understand that the elevated noise level occurs during both the shutdown and startup of the facility. Accordingly, a higher noise level will again be experienced for a period of time during the last week of September, when the site resumes operations. Also during this shutdown, increased traffic can be expected along Buckeye and Fort Amanda Roads.

Two in five say economy will not start growing for year or more

dition to be better in the next six months while 18% expect it to be worse. On the other hand, almost two in five Republicans (37%) say they expect their household’s financial condition to be worse in the next six months and only 15% expect it to be better. There is also a bit of pessimism on when the economy will start growing again. Just 14% of Americans believe the economy has already started growing, down from 17% who said so in April of this year. In April, one in ten (9%) U.S. adults thought the economy would start growing within the next six months and this month only 7% think so. One in five Americans (18%) say the economy will start growing between 6 and 12 months from now, but over two in five (43%) say it won’t start growing for another year or more. So What? Americans are hoping for some clear signs of economic improvements, but what is clear is that they have yet to see any. And unfortunately, they also do not think that there are any signs in the near future. Until those signs are on the horizon, while the pessimism may ebb and flow, the economic optimism will take a while to shine in the American public. Methodology This Harris Poll was conducted online within the United States between June 14 and 21, 2010 among 2,227 adults (aged 18 and over). Figures for age, sex, race/ethnicity, education, region and household income were weighted where necessary to bring them into line with their actual proportions in the population. Propensity score weighting was also used to adjust for respondents’ propensity to be online. All sample surveys and polls, whether or not they use probability sampling, are subject to multiple sources of error which

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Job prospects not as bleak this year for new graduates
FRESNO, Calif. — New college graduates are getting the message about how tough it is to find jobs these days. They’re starting job searches earlier, looking outside their fields and going to graduate school to become more marketable. All that work appears to be paying off: Almost 25 percent of 2010 college seniors who started their job hunt before graduation found employment by the time they finished school — up from about 20 percent last year, according to a survey by the National Association of Colleges and Employers, a nonprofit organization based in Bethlehem, Pa. That’s still a far cry from 2007, when the economy was booming and 51 percent found jobs before graduation. There are glimmers of hope. For example, employers plan to hire about 5 percent more new college graduates this year than last year, according to an association survey. But students increasingly are waking up to the realities of the job market, said Edwin Koc, the organization’s research director. “One of the biggest reasons that more have a job (this year) is that they tended to be more flexible in their approach, they’re more willing to accept an offer than students were last year,” Koc said. The change since last year is obvious, he said. “The extent of the economic decline had not sunk into last year’s class” at the time of the survey, he said. For Stacy Heaton of Visalia, Calif., the tough job market means applying for jobs outside her field barely a month after she graduated from Fresno State University. “I’m not too picky at this point,” said Heaton, who is looking for a new career after raising three stepchildren and working part time while going to school for the past six years. Heaton has been job-hunting for about half a year, hoping her bachelor’s degree in communication would land her a marketing job. She has a job now training insurance agents but wants to advance in her career field. After not getting a single interview, she started applying to jobs outside her field, including in public relations and management. “There’s not a lot out there right now,” she said. “You really have to depend on your social networks to try to find something, and even then there’s not a lot out there.” A high unemployment rate contributes to the difficulty new graduates face. Students have learned this and are starting their job searches earlier this year, said Rita BocchinfusoCohen, director of career services at Fresno State. In past years, she said, it was more typical to wait until after graduation. Students also realize they’re competing against laid-off workers and others with more experience, said Natalie CulverDockins, dean of work force development at Fresno City College. “We’re seeing young people taking the job market a lot more seriously. They’re really taking their resumes very seriously … because they realize the competition is a lot tougher,” she said. Nationally, a greater percentage of students are headed to graduate school this year — 27.4 percent compared with 25.6 percent last year, according to the National Association of Colleges and Employers. This helps them avoid the job market while better preparing themselves for when they eventually look for a job.

“We’re seeing young people taking the job market a lot more seriously. They’re really taking their resumes very seriously … because they realize the competition is a lot tougher.”

– Rita BocchinfusoCohen, director of career services at Fresno State

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of West Central Ohio
Volume 18, No. 8 Publisher Donald R. Hemple Contributing Writers Jeffrey Gitomer Advertising Donald R. Hemple
The Business Journal is mailed to the top business leaders in the 11-county region of West Central Ohio. Although information is gathered from sources considered to be reliable, the accuracy and completeness of the information cannot be guaranteed. Information expressed in The Business Journal does not constitute a solicitation for the purchase or sale of any products. Copyright, The Business Journal of West Central Ohio, 2006, All rights reserved. Reproduction or use, without written permission of editorial, photographic or other graphic content in any manner is prohibited. The Business Journal is published monthly at 405 N. Main St., Delphos, OH 45833

Business Journal


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With over 2.5 million square feet of floor space ranging in size from 10,000SF to 308,000SF under management, BENSAR Developments Co. can provide for your specific facility needs . When you entrust BENSAR Developments Co. to manage your facility needs, you can focus on your core business, lower expenditures, and utilize the latest building technology. We take a team approach with each of our customers, providing seamless support with a “can do” attitude.

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Mail 405 N. Main St., Delphos, OH 45833-1598 For information concerning news, advertising and subscription e-mail us at: dhemple@delphosherald.com or bizjrnl@delphosherald.com


TheBusinessJournal 3

Energy zone
property tax would be. A second payment, called a service fee, would be paid directly to the county general fund. The total of these two payments will be $9,000 per nameplate megawatt capacity. Current estimates put the PILOT fee at $7,000 and the service fee at $2,000 per megawatt. Additionally with the passage of SB 232 and the approval of county commissioners, any revenue realized by the local school districts will not adversely affect the aid they receive from the state. Taxing districts that could be affected by construction of wind farms include, in addition to the county, Antwerp and Wayne Trace local school districts plus Harrison, Benton, Latty and Blue Creek townships. “All applications for the property tax

(Continued from page 1) There has been great debate in the county, and the state, as to how tax money from these energy projects would be assessed and collected. Up until now, talk had centered around various taxing districts passing enterprise zone agreements with the energy firms. Most of those proposals were more than what the energy companies were willing to pay because possible state taxes were so out of line with nearby states. The Ohio Power Siting Board conducted public hearings in the area earlier this month. The first was June 8 in Convoy concerning 175 proposed wind turbines in Paulding and Van Wert counties for Heartland Wind LLC. These structures are part of a wholly owned subsidiary of Iberdrola S.A. A second was held in Paulding June 22 for the Paulding Wind Farm LLC. It proposes between 23 to 27 turbines in Paulding County. Horizon Wind Energy LLC is planning this project. To qualify for the tax exemptions and PILOT, alternative energy projects must: • apply to the Power Siting Board by Dec. 31, 2011. • begin construction between Jan. 1, 2009 and Jan. 1, 2012. • Be in service by Jan. 1, 2013. Although wind energy is the focus of community leaders in Paulding County at this juncture, SB 232 also addresses solar, nuclear, clean coal and cogeneration types of alternative energy sources.

Co-op office
progress by visiting the cooperative’s Web site www.ppec.coop Since the 1950s, PPE has been at its current location, 910 N. Williams St., Paulding. The building has had two major renovations and several building remodeling projects including a warehouse facility built in 2003. Karl Koenig, facility committee chairman commented, “The age of the building, heating and cooling capabilities, technology

exemption submitted by the state director of development according to (law) after the adoption of this resolution, and prior to its appeal, are approved,” according to the document. Currently, Horizon Wind Energy is proposing two construction phases with a possible third. A total 193 turbines is not out of the question for this company. Iberdrola S.A. is looking at a similar process, but with fewer structures. The first phase would see less than 40 turbines in Paulding County. The second would all be in Van Wert. Commissioners said these companies are investing about $4 million per turbine. The expected output of each structure is expected to range from 1.7 to 2.2 megawatts. (Continued from page 1)

requirements, and safety concerns were key factors in determining whether or not to pursue this project.” Building studies indicated that PPE had utilized all of the space available to the maximum capacity. Special consideration was placed on keeping the current location and whether to renovate one more time, move to a new location or find an existing facility that could accommodate member needs for

the future. George Carter, CEO, stated, “The current economy provided the answer to the site dilemma. PPE was able to purchase a vacant building at a very low price. The depressed market made it an ideal time to take on a building project.” While the congestion at the current location causes member safety and convenience concerns for PPE, the location could be valu-

able property for another business. Paulding-Putnam Electric Cooperative has been serving the local community for over 75 years and is committed to serving the local community for many more years. Paulding-Putnam Electric Cooperative is a Touchstone Energy Cooperative. PauldingPutnam Electric Cooperative serves nearly 13,000 member/consumers in Northwest Ohio and Northeastern Indiana.

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He Niswonger Performing Arts Center of Northwest Ohio is quickly establishing itself as the premier entertainment venue in the region. In the past four years, the NPAC has averaged 18 professional shows, 18 Van Wert City School performances, community rentals in the realm of dance competitions, wedding receptions, meetings, assemblies and even church services. Over 12,000 patrons have enjoyed a show in this beautiful hall and over 2000 students throughout the region utilize these facilities each year. With almost daily usage, the local economy has benefited with increased business during performances and rentals. From Tony Orlando to Marie Osmond, Ricky Skaggs, Charlie Daniels Band and Amy Grant to Broadway shows such as Oklahoma! and Annie to ballets and opera, the NPAC has been bringing the stars to Van Wert and Northwest Ohio. Tickets to any show would make great employee gifts. Group discounts are available for 10 or more for any show. Contact the box office for details. Dance competitions, recitals, seminars and meetings, the beauty of the NPAC lends itself to an enriching experience for any event. Whether it’s a meeting, reception, luncheon, banquet or event, the NAPC can provide an exceptional and professional setting. For more information on tickets or renting the facility, contact the NPAC Box Office at 419.238.NPAC (6722) or email Executive Director, Paul Hoverman at director@npacvw.org.

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August 2010

Firm invests $5.8M in northwest Ohio

Schindler acquires Holland facility
a first time fix; proactive development of products, service methods, and processes for maintenance, repair, and upgrades; ongoing service quality programs for continued service callback reduction; marketing call center for fast response to customer inquiries; national accounts management, service support, and centralized financial services teams; interactive visitor’s center showcasing Schindler’s full spectrum of capabilities in maintenance and modernization; and PC board repair. Over the past few years, Schindler has expanded the Holland facility to include training for new installation technicians as well as service technicians; it has also consolidated all of its customer service and service engineering operations into this facility. For example, in 2007, Schindler consolidated its Sidney, Ohio and Morristown, New Jersey operations into the 116,000 square foot Holland plant. SEC expanded in Holland and invested in new building renovations; on-site infrastructure; and new machinery, equipment, furniture, and fixtures. Schindler purchased the former Haughton Elevator Company in Toledo from Reliance Electric in 1979. In 1989, Schindler made its second purchase in the US with the acquisition of the elevator business of Westinghouse Electric Corporation. As a

Schindler Elevator Corporation recently purchased its Center for Service Excellence (CSE) facility on Timberwolf Drive in Holland, Ohio for approximately $5.8 million. Schindler’s lease at this facility – which began in 1991 – ended, giving the company the opportunity to purchase the facility. “This decision was strategic and will enable us to leverage efficiencies longterm to be competitive and responsive to our customers,” explained Kathy Rucki, manager, corporate communications for Schindler. “We have consolidated all of our service operations functions here and have expanded the facility with classrooms and simulators for elevator installation and service training.” Schindler’s CSE aims to provide comprehensive technical support for its service business and the most comprehensive training facility in the industry, according to Rucki. It includes the Schindler Customer Service Network (SCSN), offering 24/7 toll-free customer support and dispatching of service calls; ongoing technical training on all brands of equipment; 24/7 technical hotline support to technicians to help ensure

Minster Bank named a top performer

result of that purchase, the manufacturing and new installation businesses were performed out of the former Westinghouse facilities in New Jersey and Pennsylvania and the service business was coordinated out of the current Holland facility starting in 1991. Initially, the facility focused on the aftermarket side of the business. Over the past several years, all of Schindler’s North American service operations functions have been consolidated at the Holland site. Light

manufacturing and PC board repair takes place in the former warehouse area, and a training facility was added to address the technical training needs of the company. Schindler Elevator Corporation designs, manufactures, installs, services, and modernizes a range of elevators, escalators, and moving walks for almost every building type. The company is the North American operation of the Switzerland-based Schindler Group, a global mobility provider, present in more than 140 countries.

Minster Bank was recently recognized as a top performing bank by the ICBA Independent Banker, the national magazine of the Independent Community Bankers of America (ICBA). The magazine identified Minster Bank in the June “ICBA 400” for its’ strong performance in 2009. The “ICBA 400” highlights the 20 top community bank performers with $250 million to $500 million in assets based on the standard industry performance measures of return on average assets and return on average equity. The ICBA represents almost 5,000 community banks throughout the U.S. “Even though 2009 was a very challenging year for the banking industry, community banks like Minster Bank continued to serve the needs of their customers and their communities,” said Karen Tyson, ICBA senior vice president of communications. “The ICBA 400 banks are notable for upholding the everyday common-sense values and responsible business practices for which community banks are best known. This is exactly why community banks are the key to Main Street America’s economic recovery and prosperity.” Minster Bank, a local community bank with $292 million in assets is a subsidiary of Minster Financial Corp. It is headquartered in Minster, Ohio and has offices located in Minster, New Bremen, St. Marys, Sidney, Troy, and Wapakoneta. Minster Bank was founded in 1914.

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August 2010 TheBusinessJournal


Sollmann Electric Co. congratulates employees for their awards in skills USA Championship Competitions
Sollmann Electric Co. located at 310 E. Russell Rd. in Sidney, OH has been in business since 1973 doing electrical construction. We install electrical systems for commercial, industrial, institutional and residential facilities. Sollmann Electric works closely with local vocational schools to recruit students from their electrical trades programs. This year two students who are employed with Sollmann Electric Co. through school-to-apprenticeship programs demonstrated their commitment to excellence by competing in the Skills USA Championship Competitions. The purpose of the Skills USA Championship competitions is to showcase the best career and technical students in the nation. Contests begin locally at the regional level; continue to the state level; and finally to the national level. The 2010 local Southwest Regional Contest was held at the Miami Valley Career Technology Center in Clayton, OH. The 2010 Ohio State Competition was held in Columbus, OH. The 2010 National Championship Competition was held in Kansas City, MO from June 21-26. Brandon Pierron of Versailles, OH and a student at the Miami Valley Career Technology Center in Clayton, OH competed in the “Team Works” competition. Team Works requires teams of four to build a joint project in three days, demonstrating their preparation for employment in residential construction. Team members must: analyze a project drawing; write an action plan and give a presentation; and demonstrate their ability to work as a team performing skills in carpentry, plumbing, electricity and masonry. Mr. Pierron’s team placed 2nd at the local regional level, then placed 1st out of 18 teams at the state level, and went on to nationals to place 3rd out of 28 teams. Mr. Pierron was also inducted into the National Technical Honor Society which requires students to maintain a 3.75 gpa, 97% attendance rate, and good recommendations from teachers to qualify. Andrew Epperson of Houston, OH and a student at the Upper Valley JVS in Piqua, OH competed in the “Industrial Motor Control” competition. The Industrial Motor Control competition requires students to demonstrate their knowledge of electrical principles, equipment and industry standards as it relates to the design and installation of motor control circuits. Students must demonstrate their skills and abilities in applying that knowledge by properly installing motor control equipment and association enclosures, raceways, pilot devices and circuitry. Mr. Epperson placed 2nd at the local regional level and then went on to place 3rd out of 18 competitors at the state level. Dennis Sollmann, president of Sollmann Electric Co. states, “I am so proud of Brandon Pierron and Andrew Epperson for their achievements at school and in the Skills USA competition”. They are both leaders and hard workers and are well on their way to successful careers at Sollmann Electric Co.” Sollmann Electric Co. specializes in electrical construction, design build projects, industrial machinery installations and maintenance, distribution panel upgrades, industrial shut down work, assembly line relocation, energy-efficient lighting testing and installation, TVSS issues, and power quality/power factor correction. We also design and install fire

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and security alarm systems, communication systems, phone systems, fiber optics, access control systems, intercoms, sound systems, closed-circuit television systems, computer network wiring, and industrial controls. Our employees are skilled in the electrical trade and are dedicated to giving top-quality service. Our estimating staff can accommodate design/build projects in addition to plans and specification contract work. Our purchasing staff strives to acquire the highest quality materials at the lowest cost to customers. Sollmann Electric Co. is a Veteran-Owned Small Business (VOSB), an Equal Opportunity Employer, recognized as an Accredited Quality Contractor through the Associated Builders and Contractors, and licensed with the Ohio Construction Industry Licensing Board, License #18247. For more information, visit our Web site at www.SollmannElectric.com or call us at 937-492-0346.

Brandon Pierron

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“ICBA 400” Ranking Credits the Community Bank’s Efficiency
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Citizens National Bank Named a Top Performer
400” highlights the 20 top community bank performers based on two standard banking industry efficiency measures, five bank asset categories and two bank tax-status categories. The magazine compiles its annual member rankings in its June issue from year-end FDIC call report data. “We’re honored to have our commitment to community banking recognized by such a respected group as the Independent Community Bankers of America,” notes J. Michael Romey, CNB President/CEO. “We’ve worked very hard to maintain quality banking standards and increase our efficiency while continuing to provide a good return for our shareholders. This award justifies our practices.” Citizens National Bank was identified in the ICBA Independent Banker year-end ranking of ICBA members based on the standard industry performance measures of return on average assets and return on average equity. “Even though 2009 was a very challenging year for the banking industry, community banks like Citizens National Bank continued to serve the needs of their customers and their communities,” said


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ICBA Independent Banker, the national magazine of the Independent Community Bankers of America (ICBA) recognized Citizens National Bank for posting one of the best yearend earnings in 2009 for ICBA member community banks with more than $500 million in assets. This year’s “ICBA


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Karen Tyson, ICBA senior vice president of communications. “The ICBA 400 banks are notable for upholding the everyday common-sense values and responsible business practices for which community banks are best known. This is exactly why community banks are the key to Main Street America’s economic recovery and prosperity.” ICBA Independent Banker is the flagship magazine published by ICBA. The monthly magazine is the only nationally distributed publication that exclusively covers the community bank marketplace. To see the ICBA 400 Top Performers listing, visit http://www. icba.org/files/ICBASites/PDFS/IBcoverstory0610.pdf. About ICBA The Independent Community Bankers of America, the nation’s voice for community banks, represents nearly 5,000 community banks of all sizes and charter types throughout the United States and is dedicated exclusively to representing the interests of the community banking industry and the communities and customers we serve. For more information, visit www.icba.org.

Huntington Bank selects Curtis Shepherd as Lima Community President
COLUMBUS, Ohio—Curtis Shepherd has been appointed the Lima community president for Huntington Bank (NASDAQ: HBAN; www.huntington.com). He will be responsible for managing the business banking team in Lima, as well as leading Huntington’s community outreach efforts. Huntington acquired First National Bank of Lima in 1971 and now has five offices in the area. “Curtis brings significant experience as a community leader and business banking expert to his role as Lima’s community president,” said Mary Navarro, Huntington senior executive vice president. “He will continue the bank’s focus on connecting closely with the community and providing excellent service to our customers.” Raised in Lima, Shepherd has more than 24 years of banking experience. He has served as a manager in a wide range of departments, including retail banking, business banking, insurance, investments, mortgage and marketing. “We will continue to work closely with community businesses and families in our ongoing support of Lima as a desirable place to live and work,” said Shepherd. “I am honored to represent Huntington in this effort.” Shepherd graduated from The Ohio State University and is an alumnus of the Lima/ Allen Leadership Program. He and his wife Chris are relocating back to Lima from Bowling Green, Ohio with their two children. About Huntington Huntington Bancshares Incorporated is a $52 billion regional bank holding company headquartered in Columbus, Ohio. Through its affiliated companies, Huntington has been providing a full range of financial services including checking, loans, savings, insurance and investment services to customers for 144 years. Huntington has more than 600 banking offices. Huntington also offers retail and commercial financial services online at huntington.com; through its telephone bank; and through its network of over 1,300 ATMs.


(Continued from page 2)

BVH now offers specialized orthopedic trauma services from Dr. Steven Haman
Blanchard Valley Hospital now offers specialized care for orthopedic trauma conditions such as severe fractures, dislocations and soft tissue injuries from board certified orthopedic traumatologist Dr. Steven Haman. Dr. Haman is a graduate of Bluffton University and the University of Toledo College of Medicine. He completed an internship and residency at University Medical Center at the University of Toledo. He also completed an orthopedic trauma fellowship at the Florida Orthopaedic Institute in conjunction with Tampa General Hospital. Dr. Haman is board certified by the American Board of Orthopaedic Surgeons and is a member of the American Academy of Orthopaedic Surgeons and the Orthopaedic Trauma Association. Dr. Haman specializes in complex orthopedic traumatic injuries. Injuries commonly

treated by Dr. Haman include fractures of the femur and lower extremities, pelvis fractures, hand and upper extremity injuries, and foot and ankle injuries. Blanchard Valley Hospital is verified by the American College of Surgeons as a Level Dr. Steven Haman III Trauma Center. Blanchard Valley Hospital is a division of Blanchard Valley Health System, which provides a total continuum of care to more than 100,000 households in an eight-county area. The BVHS mission is to provide a broad continuum of exceptional health-related services in Northwest Ohio.

are most often not possible to quantify or es- in over 215 countries and territories through our timate, including sampling error, coverage er- North American, European, and Asian offices ror, error associated with nonresponse, error and a network of independent market research associated with question wording and response firms, Harris specializes in delivering research options, and post-survey weighting and adjust- solutions that help us – and our clients – stay ments. Therefore, Harris Interactive avoids the ahead of what’s next. For more information, words “margin of error” as they are misleading. please visit www.harrisinteractive.com. All that can be calculated are different possible sampling errors with different probabilities for pure, unweighted, random samples with 100% response rates. These are only theoretical because no published polls come close to this ideal. Respondents for this survey were selected from among those who have agreed to particiLiving the Rotary motto: Living the Rotary motto: pate in Harris Interactive surveys. The data have “Service aboveself” “Service above self” been weighted to reflect the composition of the adult population. Because the sample is based on those who agreed to participate in the Harris Interactive panel, no estimates of theoretical sampling error can be calculated. These statements conform to the principles of disclosure of the National Council on Public Polls. The results of this Harris Poll may not be used in advertising, marketing or promotion without the prior written permission of Harris Interactive. Q715, 720, 725 Jane Birckhead, CPCU The Harris Poll® #84, June 30, 2010 By Regina Corso, Director, The Harris Poll, Executive Vice President Harris Interactive Trustee - Stepping Stones Center About Harris Interactive Life • Home • Auto • Business • Income Harris Interactive is one of the world’s leading custom market research firms, leveraging Life • Home • Auto • Business • Income research, technology, and business acumen to transform relevant insight into actionable foresight. Known widely for the Harris Poll and for Insurance Since 1838 pioneering innovative research methodologies, 513-793-1190 Harris offers expertise in a wide range of indusFAX:Insurance Since 1838 513-795-5730 • Cell: 513-479-1193 tries including healthcare, technology, public 513-793-1190Email:Direct513-793-5730 • Cell: 513-479-11 • FAX: Line: 513-619-4621 affairs, energy, telecommunications, financial jbirckhead@hhhinsurance.com services, insurance, media, retail, restaurant, Direct Line: 513-619-4621 www.hhhinsurance.com and consumer package goods. Serving clients Email: jbirckhead@hhhinsurance

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August 2010



You are the essence of your reactions and your responses
My tweet today was: “Resilience doesn’t start with experience – it STARTS with attitude – your attitude.” It got more than 100 “re-tweets.” Evidently people understood what I was saying and chose to tell others. But since Twitter only allows 120 characters, I wanted to elaborate on the word resilience because it has a much deeper meaning than I was able to provide in one tweet. PICTURE THIS: Your boss says, “Make 100 cold calls this week.” And the first 20 people you call hang up on you. PICTURE THIS: You have one prospect left this month and if they don’t buy, you don’t make your quota. They call you and say, “We’ve decided to buy from your competition.” PICTURE THIS: You get an email from your boss telling you that they’ve revised the comp plan and unless you do 20% more you’ll earn 20% less. PICTURE THIS: You finally get an appointment with the biggest prospect you’ve ever had. They’ve agreed to see you for one hour. You arrive and the decision maker doesn’t show up. Those are all real-world sales occurrences that every one of you has experienced. Resilience is how you react, respond, and recover from those situations. It’s important to note that all of these challenges test your mental strength. Resilience starts with your own strength of attitude. If you are easily dismayed, your selfconfidence level is low, your self-esteem is lacking, or your self-image is in doubt – each of these PICTURE THIS circumstances is taken as a disaster. Your resilience level (on a 1-100 scale) is under 10. And the ground between 10 and 100 is where your experience combined with your self-education is called into play. Attitude resilience challenges your thought process to get from a negative response of “woe is me” to a more positive response of “I can deal with this. I can overcome this. Here are a few ideas that I have right now that will help me... Here are the actions that I’m willing to make things better...” and most important, “I’m not going to let these events or situations cause me to think ill of myself, or put myself down.” And keep in mind that this is just the reaction part of resilience. Once you’ve processed each one of these circumstances and reacted to them mentally, now it’s time to respond to them. Your response is a combination of your attitude, your past experience, and your resilience. Your inner strength manifesting itself in words and deeds. Most people fail to understand that response is triggered by thought. If you want to use the term “knee-jerk response,” it normally means response without thinking, especially in negative situations. Each one of you has experienced a dumb response. Something like: “I’m doing the best I can,” or “I’m just doing what I’ve been told,” or some response that’s excuse based rather than response based. Anyone can make an excuse. It takes a person of character to figure out what they can do, be in control of their own emotions, think quickly on their feet, and come up with something that is forward moving rather than self-defeating. Something that’s on the offense rather than being offensive. Something that states willingness rather than creates a defense. Something that says what you can do, not what you can’t do. Something that states what could happen, rather than restates what just happened. And keep in mind that this is just the response part of resilience. Now it’s time for your resilience to really shine. You’ve reacted in a positive way, you’ve responded in a positive way, and now you must recover in a personal way – not just with the people involved, but rather take stock in who you are as a person, and take the lesson in how this will help build you and build your character instead of looking around to see who is to blame, become defensive, or make some lame excuse about it or they – never taking responsibility for you. Recovery lays the groundwork for the next reaction. Recovery after recovery builds the foundation of your resilience. Positive recovery after positive recovery builds a foundation of cement and concrete reinforced with steel rods. You build your stature, you build your self-esteem, you build your self-reliance, you build your self-confidence, and you do it with inner strength combined with men-

Jeffrey Gitomer
tal strength. You can call it fortitude or you can call it guts, but I’m challenging you to think of it as resilience – because it’s going to happen more than once. So I’ve given you react, respond, and recover. Let me add a .5 to this list of three. Integrity. Every time an opportunity arises, every time your character or your attitude is challenged and you react, respond, and recover in a positive way, you build personal integrity for who you are, and you seek to become. You never have to talk about it. Others will see it and see that strength within you. Others will talk about you in a positive way, admire you in a verbal and silent way – and others will seek to follow you in an exemplary way. Well, I seem to have used up my 120 characters. On a personal note, I’ll confess that my resilience is challenged daily – not just as a salesperson, not just as a businessperson; but also as a father, grandfather, and a friend. Resilience knows no boundaries. But every time an opportunity arises to build mine, I eagerly welcome it and all the lessons attached thereto. I hope you do the same.
Jeffrey Gitomer is the author of The Sales Bible and The Little Red Book of Selling. President of Charlotte-based Buy Gitomer, he gives seminars, runs annual sales meetings, and conducts Internet training programs on selling and customer service at www.trainone.com. He can be reached at 704/3331112 or e-mail to salesman@gitomer.com. © 2010 All Rights Reserved - Don’t even think about reproducing this document without written permission from Jeffrey H. Gitomer and Buy Gitomer, Inc. • 704/333-1112



August 2010

Construction Backlog Indicator Expands to 7 Months
WASHINGTON, D.C. (July 20, 2010) - Associated Builders and Contractors (ABC) today reports that its latest Construction Backlog Indicator (CBI) increased to 7 months in May – a 27 percent increase from January of this year. CBI is a forward-looking indicator that measures the amount of construction work under contract to be completed in the future. “Construction backlog continues to edge higher and has generally been on an upward trajectory since late-2009,” said ABC Chief Economist Anirban Basu. “But it’s not clear whether this level can be sustained. “While this latest data indicate a broader improvement in nonresidential construction activity, there may be several alarming reasons for the increase including the financial failure of competitor firms leaving more opportunities for surviving companies, or contractors accepting projects with lower profit margins,” Basu said. “Backlog in the infrastructure category remains relatively high and there was improvement over the past two months in the commercial/institutional and heavy industrial categories, as well. However, whether the nonresidential construction rebound will continue to strengthen and broaden for the remainder of 2010 remains to be seen,” said Basu. Regional Highlights Compared to a year ago, all regions but the South experienced a rise in backlog. As of May 2010, the Northeast reports the lengthiest backlog at roughly 7.5 months, the highest level for this region in the history of the survey. The Middle States report the shortest backlog at roughly 6.6 months. However, that represents a significant improvement over the 5.6 months in May 2009. Regional Analysis “The impact of seasonal forces is apparent in the 2010 springtime data. However, the improvement in regional performance is explained by more than seasonality,” said Basu. “As a greater share of stimulus-financed projects moves from money-obligated status to groundbreaking status, the expectation is that the improvement observed in recent months

Regions Construction Companies

will continue in all major regions of the nation.” Industry Highlights Backlog in the commercial and institutional category stood at 7.2 months in April and 6.9 months in May. These figures represent some of the best performances since late-2008. Backlog related to the heavy industrial category is now at 7.86 months – the highest level in the history of the survey. Infrastructure continues to report the lengthiest backlog an 8.75 months; however, the May backlog reading for this category was at its lowest level in nearly a year. Industry Analysis “The April-May report appears to be one of the most hopeful in the history of the series. For the first time, there is indication of a broadening nonresidential construction recovery, perhaps a reflection that credit conditions are beginning to thaw and that the broader economic recovery is finally being reflected in privately-financed nonresidential construction activities,” Basu said. Highlights by Company Size The firms with greater than $100 million annual revenue continue to enjoy the longest backlog at 9.4 months. Firms with revenue between $30 million and $50 million saw their backlog drop just one half month between April and May 2010. One year ago, firms with revenue less than $30 million reported a combined backlog of just 5 months. In May 2010, backlog in this category is up to 6.3 months. Company Size Analysis “With the exception of firms in the $100 million or more category, average backlog is up on a year-over-year basis in every size category. However, there is still reason to doubt the sustainability of the emerging nonresidential construction recovery for a variety of reasons, including ongoing underperformance of commercial real estate. There will need to be at least several more months of strengthening performance before one can conclude that nonresidential construction is on solid ground.”

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August 2010



Construction Materials Prices Fall 0.9 Percent in June
“It should be noted that while materials prices fell last month, they were still higher for the quarter. Therefore, it is far too soon to tell whether June represented an anomaly or is the signal of a new trend.” —ABC Chief Economist Anirban Basu. Following three months of increases, the price of construction materials and supplies in June fell 0.9 percent, according to the July 15 producer price index (PPI) report by the U.S. Labor Department. However, prices are up 0.8 percent for the second quarter of the year and are 4.2 percent higher from June 2009 (See Analysis below) Most commodities tracked by ABC posted decreases for the month. Iron and steel prices were down 2 percent in June, but are still up 3.8 percent for the second quarter and up 34.2 percent on a year-over-year basis. Similarly, steel mill product prices were down 1.3 percent last month, but are 2.1 percent higher for the quarter and up 30.5 percent from the same time last year. Nonferrous wire and cable prices were down 2 percent for the month and 2.1 percent lower for the quarter, but are still up 13.6 percent over the past twelve months. Prices for prepared asphalt, tar roofing and siding fell 2.4 percent for the month, up 1.4 percent for the quarter, and down 0.6 percent from June 2009. Prices for concrete products dipped 0.2 percent for the month, were unchanged for the second quarter, and are down 2 percent from the same time last year. Softwood lumber prices were down 9 percent for the month, the largest monthly decrease since 1980 Because this was the first decrease in producer prices for softwood lumber since October 2009, prices were down just 1.3 percent for the quarter, but are 21.9 percent higher year-over-year. Producer prices for plumbing fixtures inched up 0.2 percent in June, but remained unchanged for the quarter and are up 0.9 percent from June 2009. Prices for fabricated structural metal products were up slightly at 0.1 percent for the month, up 1.6 percent for the quarter and are 1.3 percent higher from the same time last year. A 2.7 percent spike in natural gas prices caused crude energy prices to increase 1.7 percent last month. Crude energy prices are down 9.2 percent for the quarter, but are 6.4 percent higher from June 2009. Overall, the nation’s wholesale prices dipped 0.5 percent in June, while core finished goods prices – minus food and energy – were up 0.1 percent, the eighth straight monthly increase. Year-over-year, finished goods

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prices are up 2.8 percent. Analysis “Typically, economists and others look to the producer price statistics by the Bureau of Labor Statistics in order to determine whether inflationary forces are mounting,” said Associated Builders and Contractors (ABC) Chief Economist Anirban Basu. “But, there is another aspect of economic life to which these data pertain, namely the demand for finished goods. “Given significant declines in the price of softwood lumber and a number of other materials, there is at least some indication of prospective construction slowing in the months ahead. However, this is subject to a separate interpretation,” said Basu. “Construction materials prices relate neatly to the direction of commodity prices, and therefore the decline in these prices may be more of a reflection of investor sentiment than an actual foreshadowing of lost construction momentum. “In any case, one can take heart in the notion that inflationary forces remain in check and that materials prices remain reasonably well behaved,” Basu said. “All things being equal, falling materials prices would be consistent with a more rapid rebound in construction spending as purchasers of construction services are induced to move forward with their respective projects, thanks to a lower price point. “It should also be noted that while materials prices fell last month, they were still higher for the quarter. Therefore, it is far too soon to tell whether June represented an anomaly or is the signal of a new trend,” said Basu.

10 •Education•Commercial•Industrial•August 2010 •Healthcare• TheBusinessJournal Municipal

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Bj_Commercial.indd 1

7/7/10 10:52 AM


VCEF is happy to announce our annual “Tee Up for Training” spring golf event. Join us on Thursday, May 20th at Heatherwoode Golf Course in Springboro, Ohio for a day on the links while supporting the To build trust with our custom- Ohio Valley Construction Education Foundation. ers by using the latest products, Not only will you enjoy a day of sun, fun We relaxation, but participation in and technology & Innovation. and will sponsorship of this harness our knowledge and energy golf event allows OVCEF to to provide goodsdevelop and that and services maintain apprenticeship, craft and are necessary forsafety training programs that benefit ABC memgrowth. bers. We encourage you to participate and consider being a sponsor as well – remember your donation is tax deductible. We are planning a “surprise” celebrity golfer, so don’t miss this! For more information, check out our website at www. ovabc.org, or contact Willa at 937-521-1581.

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August 2010 TheBusinessJournal 13

Helping you build future wealth is what we do.

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1,121,948 Hours… That is A Lot of Hours!
Worked without a Lost Time Incident
Safety…is No Accident. Smith-Boughan, a prominent Mechanical Contractor in Northwest Ohio believes that working without incident or injury is obtainable. Creating a culture of “zero tolerance” for unsafe practices, they empower their people to make smart choices that are necessary to ensuring a safe work environment. Driven from the top, their program is integrated across all business units. They are able to present opportunities for shared benefits, including quality control, job efficiencies, cost savings, and enhanced relationships with clients. Since 1937, Smith-Boughan has been bringing their projects in On-Time, Under-Budget, and Safely. For the past seven years they have worked continuously without a lost time incident and to date have accumulated 1,121,948 hours. Every year they are recognized by various associations for their safety excellence. In 2009, The Mechanical Contractors Association of America and The West Central Ohio Safety Council along with the Ohio Bureau of Workers’ Compensation recognized Smith-Boughan for achieving safety excellence with a zero lost workday cases incidence rate, 84% better than the MCAA average. Every project develops a Site-Specific Safety Plan based upon the scope of work and Client, Federal, State and Smith-Boughan Safety Requirements. On-site project supervisors conduct a daily Task Safety Analysis which outlines significant tasks to be executed. Issues such as the potential hazards associated with the task, required personal protective equipment, appropriate hazards controls, permits and emergency procedures are outlined. Educating employees about working safely is top priority for Smith-Boughan according to company • Engineering President Sam Halker. “Our people are our most important asset and their safety is of utmost importance to me,” he stated. • Fabrication Smith-Boughan has been an industry leader for over 73 years, providing a complete range of mechanical services including: engineering, fabrication, and construction • Construction of Plumbing, HVAC and Industrial Process Systems. In addition they also provide ongoing maintenance and support services available 24 hours a day to • Maintenance residential, commercial, institutional, and industrial clients. Buckle up and Drive Carefully. Your Family and Ours Depend on You.

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August 2010



Wilcox Masonry, a hot new trend
If you’re looking to add a touch of warmth into your home or business with a fireplace or wood burning unit, it’s time to take a look at Wilcox Masonry. Thinking of adding a unique look to your back yard? Wilcox Masonry also does outdoor pizza ovens or brick bread ovens. Dave Wilcox has been in business for over 20 years and he can help you with your indoor and outdoor needs. About 10 years ago Dave tried the out door pizza oven and received a great response from it. Dave has found his calling with his masonry work. He has won several awards for his beautiful craftsmanship. Having talked with Dave these heaters are not only beautiful and functional, but are very economical and clean for heating homes. With only two armloads of wood in a day, you could heat a 3000 sq. ft. home. They are also the cleanest way to burn cordwood. A typical fireplace looses 60%-70% of the heat through the chimney, with a wood burning unit from Wilcox Masonry, not only is it producing heat, but storing it. “Energy from a fire is stored in thermal mass and can provide heat all day long through channels and runs of masonry benches that are attached. Although these units work best in an open floor plan with a central location, they can be done smaller for individual rooms. Dave can help you design and place them in your home or business. These units have a 90% efficiency average. Dave works with soapstone on the heaters. “It’s a lot like working with wood, you can use carbide routers, a drum sander, and you need a very fine sandpaper to finish it off because it’s a soft stone like wood” Dave says. “There are 12 inch blocks of different sizes and we used the soapstone dust to make a mortar with a texture similiar to cake icing. Unlike typical stonework, working with soapstone requires very tight joints that use clips and pins.” If you’re thinking this is a new trend, you’re wrong, the ovens originated between 200-300 years ago in Russia, Finland, Sweden and Denmark. They are gaining popularity in the States, because of
(taken in part from Melanie Fullenkamp and Full Heart Family News with permission)

the heat they produce and the low emissions. Dave Wilcox of Wilcox Masonry is ready to help you with your wood burning unit or outdoor pizza oven. His skill is like non other that I’ve seen.


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August 2010



Making health care easier.

As nation awaits health law’s effects, surging costs threaten care for many
WASHINGTON — Despite passage of the landmark health-care overhaul this spring, the nation’s existing health system is continuing to fray, raising the prospect that the country could experience a crisis before the law establishes a new safety net in 2014. Three months after President Barack Obama signed the law, state governments struggling with budgets savaged by the recession are contemplating further cuts in health-care aid for the poor, despite the promise of more federal dollars. At the same time, several million laid-off Americans and their families who have used federal assistance to hold on to health insurance will lose coverage in coming months as the special assistance program expires. Those with jobs face their own challenges as employers continue to look for ways to pare health benefits and shift more costs to employees, if not drop health coverage altogether. And people in all walks of life face rising health-care prices and skyrocketing insurance premiums, which in many parts of the country are rising at double-digit rates. “If the economy does not improve substantially, we may be taking some steps backward before we take steps forward,” said Ron Pollack, a leading supporter of the health-care overhaul who heads the consumer group Families USA. To lessen the blow, advocates for the more than 1.3 million uninsured Ohioans are urging state officials to more tightly regulate and scrutinize insurance company rate increases and find the money for an early expansion of Medicaid for the poorest residents without health care. “We have thousands of Ohio families who for the first time in their lives can’t find affordable coverage due to loss of employment,” said Cathy Levine, executive director of the Universal Health Care Action Network of Ohio. “We need to provide a safety net for those with the lowest incomes who are victims of the economic recession.” Obama’s senior health-care adviser acknowledged that the road ahead may be rough. “Will plans continue to raise prices? Will some people continue to lose coverage? I think the answer is yes,” said Nancy-Ann DeParle, head of the White House Office of Health Reform. “It is something we are concerned about.” DeParle called the next several years a “bridge period” until 2014, when Americans will get guaranteed access to health coverage along with billions of dollars of federal subsidies to help them pay their insurance bills. The Obama administration thinks a series of initiatives in the new health-care law will help hold the line during this period. Since the law’s passage, administration ofSee HEALTH LAWS, page 17

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August 2010

3/23/10 4:34:37 PM

New rules offer protection from health-insurance industry
WASHINGTON - The Obama Administration on Tuesday issued new regulations to protect Americans from the insurance industry as the President met at the White House with Americans who had been denied care and challenged Republicans who are trying to repeal his health-care overhaul. “They want to go back to the system we had before,” Mr. Obama said from the East Room of the White House, where he signed the health-care law 90 days ago. “I refuse to go back.” The insurance rules, all of which are set out in the new law, were put in the bill by the Obama Administration and its Democratic allies to provide consumers with early protections until the insurance market is more fully overhauled in 2014. The regulations include the following: • With some exceptions, insurance plans starting after September will no longer be able to deny coverage to children under 19 with pre-existing medical conditions. • Insurers will not be able to rescind coverage except in clear cases of fraud. • Insurers will be prohibited from imposing lifetime limits on what they will pay for care. • Insurers will not be able to impose annual limits of less than $750,000 on coverage of essential benefits including maternity care, emergency services, and pharmaceuticals; the minimum annual limit would rise to $2 million by 2014. • And insurers will be prohibited from requiring their customers to get prior approval before they get emergency care outside the provider network. Employer-provided plans that do not make major changes to their benefits or dramatically increase cost-sharing with employees will be exempt from some of these new mandates as “grandfathered” plans. With health-insurance premiums continuing to rise, the Obama Administration has been working to highlight the immediate benefits of the new health-care law to Americans who remain skeptical of the planned overhaul. Administration officials estimated that as many as 200,000 children and adults could benefit from the new protections, not counting several million who could gain easier access to emergency care, according to an analysis accompanying the proposed new rules. Among those at the White House yesterday were Taylor Wilhite and her mother, Amy Wilhite, of Marblehead, Ohio. According to a news release, Taylor Wilhite was diagnosed with a type of leukemia in 2007. She received three rounds of chemotherapy and a bone-marrow transplant. The cancer treatment produced multiple side effects: problems with her heart and hip, short-term memory loss, steroid-induced diabetes, and a compromised immune system. Taylor’s father’s insurance plan has a $1 million lifetime limit. As Taylor approached the limit, her parents requested a $500,000 extension and it was granted. Although Taylor is in remission, she will need follow-up visits with her oncologist, check-ups with her endocrinologist, and multiple major surgeries on her hip. Amy Wilhite said the family has been picking and choosing which tests and follow-ups to go through with, because they don’t want to exceed the cap. Republicans quickly condemned the rules Mr. Obama announced yesterday as a sales job. “This shouldn’t be called a healthcare bill of rights, but a bill of goods,” Utah Sen. Orrin Hatch said in a statement. He has sponsored legislation to repeal parts of the health-care law. Mr. Obama may face a bigger challenge as millions of Americans get double-digit premium increases in the mail. Yesterday, the President explicitly warned insurance companies to restrain their rates. “We’ve got to make sure that this law is not being used as an excuse to simply drive up costs,” Mr. Obama said after emerging from a closed-door meeting with insurance executives and state insurance regulators.

Health laws (Continued from page 16)
ficials have begun offering new tax breaks to small businesses to encourage them to offer their employees health benefits. The administration is developing regulations designed to increase oversight of insurance companies and prevent major rate increases. The Department of Health and Human Services is working with states to set up high-risk pools for people who have been denied coverage. “I think we have tools that will help make things better than they would have been” if the health-care legislation had not passed, DeParle said. Early research suggests that some of the short-term aid in the health-care law, such as $5 billion for new high-risk pools, may be inadequate. Ohio is estimated to be in line for $152 million, funding that state officials estimate could cover 6,000 to 15,000. “It’s woefully inadequate,” Levine said. “The good news is this is going to help thousands. The bad news is thousands of people won’t” get help. “This is not about health-care reform,” said Helen Darling, president of the National Business Group on Health, an organization of large employers that provide coverage to about 50 million workers, retirees and dependents. “It’s just existing pressures on the system. … It’s business as usual.” In a March survey, a sampling of 507 large employers reported that their health-care costs would jump an average of 6.5 percent this year, slightly less than last year, but still more than three times as fast as prices are rising in the overall economy. Many large employers are shifting more of those costs onto employees. Small businesses, which are already less likely to offer their employees health benefits, are under even more pressure as they wrestle with insurance premiums that are shooting up by more than 20 percent in some places. More of these businesses appear to be either cutting benefits or shedding employees to offset rising health-care costs, according to early responses to an economic survey by the National Small Business Association due out next month. So far, federal and state officials have managed to hold together a health-care safety net with the help of billions of dollars of stimulus spending authorized by Congress last year. Washington provided an estimated $2 billion in 2009 to help more than 2 million people and their dependents hold onto their health benefits after being laid off. But now, under pressure to control spending, Congress appears certain to end the COBRA assistance, which provided unemployed workers with a 65 percent subsidy to help them pay their premiums. Normally, people who lose their jobs but want to keep their insurance through COBRA must pay the full cost of the premiums, making the coverage unaffordable for most. “Thousands of people will have great trouble affording health benefits” without the subsidy, said Zach Schiller, of Policy Matters Ohio, a Cleveland-based research group. Every month, an estimated 4,400 workers in Ohio rely on the COBRA program, according to the National Employment Law Project, a New York-based advocacy group. Democrats on Capitol Hill are moving to provide states with extra money to prop up their Medicaid programs for the poor, which have seen a huge surge in enrollment since the recession began. But for many states, even the extra aid is not expected to be enough. Dispatch reporter Catherine Candisky contributed to this report.

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The FourTh AnnuAl AwArds honoring The region’s 20 MosT inFluenTiAl Men And woMen
Now Accepting Nominations.
If you know an individual you feel should be considered for this year’s recognition or if you would like to be considered yourself, please fill out the Men/Women Who Mean Business Nomination Form and either mail, fax or email to us.
Nominator Nominator Nominator Nominator Nominator Nominator Nominator Nominator Name* Title Address 1 City, State, Zip Company Phone* Address 2 Email*
To be eligible all of the following requirements must be met. An individual must: 1. Work in the 13 counties of West Central Ohio that include the counties of: Allen, Auglaize, Defiance, Hancock, Hardin, Logan, Mercer, Paulding, Putnam, Shelby, Van Wert, Henry and Wood. 2. Be an extraordinary entrepreneur, business executive, scholar, civic, or cultural leader. 3. Be making a notable impact on their business or industry and their community

Please fill out the form or email your nomination to dhemple@delphosherald.com (Please include photo)

NOMINATEE INFORMATION (please submit photo, digital preferred)
Nominee Nominee Nominee Nominee Nominee Nominee Nominee Nominee Name* Title Address 1 City, State, Zip Company* Phone* Address 2 Email*



*In the space below, describe why you feel the individual should be considered for Woman/Man Who Mean Business recognition



405 N. Main St. • Delphos, OH 45833-1598 • 419-999-4762 • 419-695-0015 ext. 138 • 1-800-370-2351 email: dhemple@delphosherald.com



August 2010

The four Gs of smartly growing your business
The slow economy doesn’t have to mean the end of growth for your business. Professor Ed Hess provides his research-backed advice on how you can grow your business the smart way despite the slow economy. New York, NY (June 2010)—Tune in to the latest financial and business news and you are likely to get a mixed-bag view of what is going on in today’s economy. One pundit might be lauding the fact that thousands of new jobs have been created. While another might be telling the story of yet another business that is shutting its doors after succumbing to the pressures of the down economy. Try to get any to-the-point information from those in charge of stabilizing the economy—politicians, government economic experts, and Wall Street big shots—and the response you’ll get is often reminiscent of the replies from the “Magic 8-Ball” toy: “Cannot predict now.” Or, even more likely, “Reply hazy, ask again later.” In the midst of this uncertainty, notes Edward Hess, a professor at the University of Virginia’s Darden Graduate School of Business and author of the new book Smart Growth: Building an Enduring Business by Managing the Risks of Growth (Columbia Business School Publishing, 2010, ISBN: 978-02311505-0-7, $27.95), there are a few things we can know—at least about the likely generators of a period of sustained economic recovery. One is that job creation depends on true economic growth. A second is that smaller, private businesses are the most likely engines of that job creation. “Growth is the goal of most businesses for many different reasons: to increase profits; to increase stability; to increase defensibility; to reduce customer concentration; to build cash reserves; to fund improvements and expansions; and to outcompete other companies in the marketplace,” says Hess. “But how can companies pursue those goals, especially in a time of economic duress, in a way that truly strengthens their business instead of putting themselves more at risk? “The nation’s small businesses have been hit hard by the down economy. Many have had to close their doors. And for the owners who have managed to keep things going, growing their business to create jobs is probably the furthest thing from their minds. But a slow economy doesn’t have to mean the death of growth for your business. By following a methodology I call Smart Growth, you can grow through the authentic expansion of your company’s value to its customers.” Smart Growth features the findings of much of Hess’s research on sustainable growth, including the Darden Private Growth Company Research Project, which was funded by the Batten Institute at the Darden Graduate School of Business and the Darden School Foundation. The book introduces a research-based growth model called Smart Growth. In it, Hess counsels corporate executives and small business owners to pursue growth strategies based on what he calls the “4Gs”: Growth through improvements. Growth through scaling. Growth through innovation. Growth through strategic acquisitions. The 4Gs—which are based on Hess’s extensive research into how both public and private companies grow successfully—take companies a step beyond the basic strategic options that have been in force at least since Harvard’s Michael Porter explored them a couple decades ago (e.g., low-cost strategies, a focus on a niche market to add value, or the pursuit of particular customer segments). Those strategies are certainly a necessary part of the decision making about a company’s core value proposition. However, in addition to that, companies must figure out how, if at all, they intend to grow their business. Hess’s research has found that growth turns out to have similar characteristics, regardless of the particular strategy or core value proposition chosen. “The 4Gs help companies understand that if you want to achieve authentic growth from your chosen strategy, the point isn’t simply posting better numbers,” says Hess. “There is no scientific basis whatever for believing that growth has to be continuous and linear. Real growth instead is based on one or a combination of several things: being better at what you’re doing; doing more of it on a broader scale; doing something new; or by buying growth through savvy acquisitions.” Read on for a more in-depth look at Hess’s 4Gs and how you can apply them to boost your business: G1: Improvements—Becoming better at what you do. Becoming better at executing your core value proposition is the bread and butter of authentic growth. “The DNA of great growth companies is constant improvement—making products and services better, but also something more: improving the customer value proposition, and improving everyday business processes,” says Hess. “Being better, faster, and cheaper results from pushing responsibility out to the entire organization. By enlisting everyone—from the highest-paid executive to the newest employee just joining the company—in searching for better ways to do things, companies can dramatically increase the pace and impact of process improvements.” G2: Scaling up—Doing more of what made you great. One way to grow quickly is by scaling. Once a company gets into a groove with its customer value proposition, and once it reaches a point where its business processes are standardized, then it finds it can replicate those processes across a larger footprint. Scaling then means doing more of whatever you are already doing by selling to more customers or by expanding into a new customer segment. For example, retailers and restaurants scale by opening new outlets in different locations. Successful scaling requires excellent execution, and it means scaling of both production and distribution, so it can be costly, as well. Scaling up production requires more space, more equipment, and/or more people, and those costs are usually incurred before additional revenues from increased scale are generated. Scaling distribution is more complicated because it depends upon whether your customers are individuals or businesses and whether you sell directly to customers or to someone who does. For many growing businesses, the challenge of scaling distribution means figuring out how to reach more customers efficiently, without necessarily adding physical locations, or without needing a bigger sales force, both of which can be costly and timeconsuming. To scale both production and distribution with lower capital costs, many growing companies leverage outsourcing strategies, at least for a time. Outsourcing provides access to proven capabilities and resources for a variable cost, rather than taking on additional staff or facilities yourself. “Replicating business processes across a larger footprint is just part of the challenge in scaling a business,” notes Hess. “The other part is figuring out the new business and operating models that might be required. For example, a product company looking to scale might need to change from a retail model to a wholesale model. Or a service company might need to change its marketing strategies, leveraging the Internet more or getting into digital or mobile advertising. Scaling a business will affect every part of it, not just production and distribution. Remember, scaling should be undertaken cautiously in order to limit financial risks and in order to make sure the business can in fact scale without sacrificing quality or a great customer experience.” G3: Innovation—Selling something new. Another way to grow is to bring something new to the marketplace—an innovation in a product or service, or in a way of doing business. Innovation is “improvement on steroids”—not just doing something better, but doing something new. “Innovation, like leadership, has become an important buzz word in the corporate community, but, in reality, few companies are truly innovative,” says Hess. “The reason? Innovation is risky. In fact, when pursuing innovation, companies need to remember that they have limited resources in terms of people, capital, and time. Growth pursued

through improvements or scaling up is less risky than growth through innovation. Innovation is sexy, but in truth it’s not for everyone, and not for every stage in a business cycle.” G4: Acquisition—Growth through inorganic expansion. Inorganic expansion is another obvious path to growth—mergers with or acquisitions of a similar business, or a key part of a company’s value chain, or even a competitor. For smaller businesses, however, acquisitions can be extremely risky. “Even large and experienced companies find it difficult to get a timely and adequate return on an acquisition because of the specialized skills required—experience with due diligence and postmerger integration,” says Hess. “For smaller companies, acquisitions should be approached with extreme caution.” “A key part of your success with the 4Gs—no matter how good or bad the economy—lies in knowing how to choose the right path for your business,” says Hess. “For many companies, a likely path to pursue would be to focus on a product or service niche with a specific customer segment, and then to grow the business by improvements and scaling. “Much depends on a company’s appetite for risk and the capabilities it has—both in the C-suite and across the work force,” concludes Hess. “Businesses need to place their bets in areas where they have the strongest capabilities—while also being open to the opportunities for growth that might present themselves through the lightning strike of innovation, or the smart pursuit of partnerships and acquisitions.”

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August 2010 TheBusinessJournal 19

Education - Training - College
Today, most people own at least a college diploma degree when they enter the job market. And, many working individuals have an intention to earn a second degree in their job related field or want to further getting a higher degree such as bachelor, master or PHD for their job promotion or career advancement. You may be one of them, but your busy working life may stop you from putting your intention into an action by going back to school to pursue your desired degree. The available of online degree programs may provide you with a perfect solution that enable you to stay busy with your work while completing the degree of your dream. Your first job may not last forever and you definitely do not want to stay at the same position along your career path, surely you are hoping for job promotion or getting career advancement when there is an opportunity. Hence, along your career path, while you build your working experience, a stronger education degree with an appropriate degree will define pave you career path

How can an Online Degree Help In Your Career
toward a brighter future. With the available of online degree program, getting a degree or more degrees are ever easier than before. You can plan to earn a degree or more degrees that can help in your career with online degree programs. The best 3 features of online degree program are flexible schedule, self-pace and allow you to attend classes online from anywhere. These 3 best features will benefit you as a working individual to earn your degree online without anymore excuses. And, you do not need to waste much time in searching for you degree because you can get most of information from internet. There should be many online schools offer the same degree program which you are planning to enroll, but be aware that the courses might be different. Hence, you should request for detail information about your prefer online degree program from your select online schools and careful review each course to ensure the courses are inline with your career goal. The degree you earn may not get you an immediate job promotion or a jump in your monthly salary. But a stronger educational background will prepare you for more challenging tasks and be more competitive against your colleagues when there is a vacancy for job promotion. If you current career is not what you dream for, then you may want to move to your preferred career field some way along your career path. You may need to have the related degree in order for you to make the success move. You could take the advantages of online degree

to pursue your degree online while secure you income with your current work. Summary Online degree program provides a solution for working individuals who are planning to earn a degree for their career advancement to continue stay focus in their current job while managing their time and plan their own online study schedule that fit into their busy working life.

Statistics on college graduates according to the Census Bureau
On average according to the Census Bureau, the statistics for college graduates compared with other education levels are as follows. During an adults working lifetime: High school graduates - $1.2 million Bachelors degree holders - $2.1 million As you can see, on average college graduates earn around double the amount as high school graduates, again showing the advantage of getting a Bachelors degree.

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Importance of College Education
Why it is important to go to college
reasoning does not begin and end with the job aspect. A good education is beneficial from many different viewpoints, and while the importance of a college education is quite evident for many high school students, what is often not as clear is how they will pay for that education. Funding Your College Education Although the colleges and universities of today carry a heavy price tag, it is of great importance not to let that discourage you from obtaining a college education. While the cost of tuition continues to rise, so too does the number of available financial aid options. Below we will explain why it is important to explore these options before you go to college and the large payoff they often provide. From local and federal options, to categorical and corporate options, collegebound students have a variety opportunities worth exploring when attempting to obtain financial aid. A common misrepresentation of financial aid packages (e.g. scholarships, grants, loans, work study programs) is that they provides funding for an entire college education. The reality is that most of these packages are smaller and it may take several of them to add up. This is why it is important to explore all of your options before you go to college: • Local Options - the people of your own community fully understand the importance of a college education, which is why organizations such as the American Legion, the Rotary Club, the Jaycees, and Boosters chapters offer scholarships for high school students in the area. These organizations are often overlooked and serve as a great resource due to the fact that they have far less competition than national awards. Start your local search by visiting your high school’s career options to see what’s available. • Federal Options - the federal government is also well aware of the importance of a college education, which is why they award more financial aid to collegebound students than any other resource. The most important step in obtaining federal aid is to fill out the Free Application for Federal Student Aid (FAFSA). Follow this link for more information on filing the FAFSA for financial aid. • Merit-Based Options - merit scholarships are awarded to students based on academic or athletic abilities, as well as categories such as ethnicity, religious affiliation, club membership, interests, talent or career plans. Learn more about merit-based options by following this link: College Scholarship Money • Corporate Options - corporations are another resource who understand the vast importance of a college education. Every year, corporations ranging from Target to Coca-Cola offer financial aid to thousands of college-bound students. A great way to start your corporate scholarship search is with you or your spouse’s company. Often times, organizations will award the children of employees with scholarships or grants. Follow this link to learn more about college financial aid and grant searches and determine the eligibilDuring their high school career, students may begin to question the importance of a college education. They might find themselves asking, “Why is it important to go to college?” The answer is that, more than ever, attending college provides opportunities for graduates which are not as widespread to those who have not received a higher education. For many high school students, being able to immediately generate an income after graduation is an appealing thought. They may also be repelled by the rising cost of tuition, and while it is true that a higher education may be one of the largest expenses you will ever face, the importance of a college education has become quite evident in terms of earning potential within today’s economy. Why Should You go to College? One important answer to this question is more opportunity. As opposed to generations of the past, high school graduates today are unable to obtain the number of high-paying jobs that were once available. The U.S. has been transformed from a manufacturing-based economy to an economy based on knowledge, and the importance of a college education today can be compared to that of a high school education forty years ago. It serves as the gateway to better options and more opportunity. There are additional reasons as to why it is important to go to college. When students experience a post secondary education, they have the opportunity to read books and listen to the lectures of top experts in their fields. This stimulation encourages students to think, ask questions, and explore new ideas, which allows for additional growth and development and provides college graduates with an edge in the job market over those who have not experienced a higher education. The importance of a college education is also accentuated because of the opportunity to gain valuable resources during your tenure. The more connections which are collected during your college career, the more options you will have when you begin your job search. Once you have ended your job search and have started your career, however, the importance of a college education has not been exhausted. Having a college degree often provides for greater promotion opportunity. So, why should you go to college? The ity of your student. Understanding the Importance of College Education If you are still asking yourself why should you go to college, it is important to remember the significant amount of opportunity available for college graduates. The global economy is becoming increasingly more competitive, and in order to give yourself the best chance for a wellpaying job, you must first understand the importance of college education. Attending college provides students with the knowledge and experience they are unable to receive from a secondary education, and finding a way to fund a higher education now can pay off in a huge way in the years to come.

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August 2010



The Path To A Better Future Awaits. But It’s Your Call.

Hi-Point Adult Fall/Winter Course Opportunities Are Now Available. Register Today!
What are you waiting for? All it takes is one simple phone call to Ohio Hi-Point’s Adult & Continuing Education Program and you are on your way to a better, more confident and successful future. Learn those computer skills you’ve always wanted. Get your degree. Improve your professional capabilities. Or start your way on the path to college. Hi-Point offers a variety of convenient locations and schedules to accommodate your busy life. Just give us a call at 937.599.3010 x1398 or visit ohiohipoint.com. Ohio Hi-Point has campuses in Bellefontaine & Kenton to serve you. Computer Training | Industrial Training | Career Development | GED & WorkKeys Testing | College Pathways


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CFO: CASH FLOW OPTIONS FROM PNC can help ensure critical access
to cash 1 when you need it. In fact, through June of this year, we lent $2.2 billion 2

to small businesses. At PNC, our bankers are cash flow and credit consultants who have the experience to match you with the right lending solution, whether it’s a line of credit, term loan or SBA loan. And to ensure we’re helping as many business customers as we can, our loan applications go through a second review process. We do all this because, at the end of the day, helping our customers achieve their goals is what matters most. To find out more, stop by any PNC branch, call 1-877-BUS-BNKG or visit pnc.com/cfo



1 All loans subject to credit approval and require automatic payment from a PNC Bank Business Checking Account. Origination and annual fees may apply. 2 Includes new and renewed loans to businesses up to $10 million in annual sales size through June 30, 2010. 3 Offer applies only to a new PNC Choice CreditSM for Business Line of Credit, Business Equity Line of Credit and secured lines of credit up to $1,000,000. Choice CreditSM for Business Line of Credit available for amounts up to $100,000. Interest rate is fixed at the Prime Rate at the time of approval for twelve (12) complete billing cycles. Thereafter, the interest rate will be variable and range from 0.50% to 7.50% in excess of the Prime Rate. Your actual rate will be based upon a review of your credit application, the loan product selected and the loan amount. “Prime Rate” means the highest prime rate published in the “Money Rates” section of The Wall Street Journal for the last day of the preceding calendar month. First year annual fee waived. Other fees and charges may apply. Offer available on new business line of credit and term loans only. All loans and lines of credit are subject to credit approval. Applications must be received by October 31, 2010, and loans must be closed by November 15, 2010. Banking and lending products and services and bank deposit products provided by PNC Bank, National Association. Member FDIC. BBK-3355 ©2010 The PNC Financial Services Group, Inc. All rights reserved.



August 2010

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