POSTMASTER: Deliver to Label Addressee or Current Resident

NOVEMBER 2012 Vol. 18 No. 11

Published and Owned by Schaffner Publications, Inc.

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

MARKETING: Love Thy Neighbor? ..... 2 LEGAL: IRA Beneficiaries ........ 5 ESTATE: Investment Tax Countdown ..15 INSURANCE: Independent Contractors.........22 TAXES: Employee or Independent Contractor ..........24 WELL-BOOKED BUSINESS: The One Minute Manager .............25 SALES: Is Price Your Problem? ....26 HR: Employee Risk vs. Performance ..27




Celebrating 18 Years of Service

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

Rich Focht President & CEO Seneca Industrial & Economic Development Corp. The Seneca Industrial & Economic Development Corp. (SIEDC) is a private, not-for-profit, corporation organized for the purpose of bringing together people in the private and public sectors to attract, retain, and expand business in Tiffin and Seneca County. This year on March 15, SIEDC hosted its annual meeting by focusing on the accomplishments of several local businesses and business people. The theme of the evening was to honor the commitment, cooperation and hard work that these businesses and individuals have provided to make Tiffin and Seneca County a great place to work, play, and raise a family. The evening was further highlighted with former Ohio

See SUMMARY, Page 5

Seneca Regional Chamber of Commerce & Visitor Services Celebrates 98th Year
By John Detwiler President & CEO The Seneca Regional Chamber of Commerce & Visitor Services celebrated its 98th year of operation on September 14, 2012. The year 2012 marked the beginning of Chamber’s venture into the world of destination marketing services following the awarding of a contract to provide such services by the Board of Seneca County Commissioners in 2011. As a result, we changed the name of our organization to reflect the dual nature of our mission as well as created a separate brand for visitor services called Destination Seneca County. A full array of marketing activities was initiated, beginning with the publication of a comprehensive Seneca County Visitors Guide in early February. Over 50,000 guides were distributed across the state as well as over 400 individual requests for visitor information. We developed a basic
Bellevue Area Chamber of Commerce

Vermilion Chamber of Commerce Willard Area Chamber of Commerce

We’re a proud member of the following:
Elmore Chamber of Commerce Fostoria Area Chamber of Commerce Genoa Chamber of Commerce Huron Chamber of Commerce Huron County Chamber of Commerce Marblehead Peninsula Chamber of Commerce Milan Chamber of Commerce Oak Harbor Area Put-in-Bay Chamber Chamber of Commerce of Commerce Port Clinton Area Chamber of Commerce
Chamber of Commerce

Chamber of Commerce Erie County Chamber of Sandusky County of Commerce

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November 2012

North Coast Business Journal

Love Thy Neighbors Like Thy Customers?
By Jeffrey H. Bryden Editor Most of us in business know the cardinal rule of Marketing – you begin and end with a focus on the Customer. And those of you still doing well in business have evidently made this axiom second nature by now – seeing that every customer encounter is anticipated, planned/scripted, and delivered to make sure that they keep coming back satisfied with both your product and your service delivery. Hopefully the majority of us carry this “customer first” philosophy into our daily, non-business, life. Where we treat our neighbors and fellow citizens with the same consideration and attention that we do our business customers. Sadly, it’s my personal observation that there are a number of people that don’t seem to care about others – they’re rude or inconsiderate, seemingly thoughtless of inconveniencing or harming those around them. While it may be my advancing age that’s making me more cynical – could it be that the number of these people is on the rise? Let’s take some recent examples – I’m sure you can add your own to this list. • Notice how shopping carts never seem to find their way back to the “cart corrals” placed throughout the parking lots? They’re left to drift with the wind -- often into cars still parked nearby. Thanks neighbor. • Ever step out of your car into a pile of cigarette butts and ashes, or crumpled up fast food containers left by a previous parker who decided to share her or his garbage with you and other shoppers? Thanks neighbor. • And, speaking of cigarette butts, when did they cease to become litter? In Ohio, and most states, throwing trash (and that’s what it is) out the window onto the roadway is called “littering.” And there’s a hefty fine attached to the act. Yet how often do you see smokers “flick” the butts out the window? Thanks neighbor. • Ever hear the term “Grassholes?” These are homeowners who, while cutting their lawn, blow the grass clippings into the street. First of all, these clippings are hazardous to motorcycle or bicycle riders (they’re almost like an oil spill on the road.) Secondly, during the next rain, the clippings are washed down the street into the storm sewers where they begin to accumulate – eventually blocking the pipes and flooding streets and nearby home basements with the backed-up rainwater. Or they end up in nearby lakes or rivers where it serves as surface debris and contributes to our already dangerous algae problem. Thanks neighbor. • Ever notice how many seemingly-healthy people, some even with a “spring in their step” pull into designated “Handicapped Parking” spots? No hang tags in their car. Hmmm. Thanks neighbor. I’m sure none of you North Coast Business Journal readers fall into any of these categories, and I’m equally sure there are many other examples of people being considerate in their actions. And for those looking for an alternative source of this good marketing advice, let’s not forget this same message is expressed in a variety of ways throughout the bible: “You shall love your neighbor as yourself.” I’m trying hard to love these “neighbors” in spite of their actions – but not finding it easy to do. So, in closing, let’s not leave the Marketing philosophy of taking care of our customers at the office – let’s keep it in practice outside of the workplace – being respectful of our neighbors like our customers. We can still be “taking care of business” while loving our neighbors too.

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

205 S.E. Catawba Road, Suite G, Port Clinton, Ohio 43452 419-734-4838 • Fax 419-734-5382

Small Business Basics Seminars Set for November
The Ohio Small Business Development Center at Terra State Community College is offering free, twohour seminars, “Small Business Basics,” that will answer questions about starting, buying or expanding a small business. This seminar will take the confusion out of your efforts and help you avoid costly mistakes and unnecessary steps. Learn the basics of: name registration, licensing, taxes, zoning, business entities, employees, insurance, financing and business planning. The November schedule is: • Wednesday, Nov. 7 – 9:30 to 11:30 a.m. Ottawa County Improvement Corporation (conference room), 8043 W. S.R. 163, Oak Harbor • Wednesday, Nov. 14 – 9:30 to 11:30 a.m. Tiffin Area Chamber of Commerce (conference room), 19 W. Market St., Tiffin • Wednesday, Nov. 21 – 9:30 to 11:30 a.m. Erie County Chamber of Commerce (conference room), 225 W. Washington Row, Sandusky • Wednesday, Nov. 28 – 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. To register or for more information, call Bill Auxter, Director of the Ohio Small Business Development Center at Terra Community College, toll-free 800-826-2431 or 419-559-2210. Or contact him by email at

Circulation Manager

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



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North Coast Business Journal

November 2012


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November 2012

North Coast Business Journal



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North Coast Business Journal

November 2012


By Jeff Roth The Individual Retirement Account has been available since 1974. Most Americans today have some type of a tax deferred account. Any tax deferred account is distributed upon death by the directions you have placed in writing with the institutional custodian holding your account. Here are several alternatives for beneficiary designations. MY ESTATE AS THE BENEFICIARY. This is normally the worst choice. If you have a will, that document will direct distribution. If you do not have a will the account will pass by state law under the statute of descent and distribution. You have now taken a non probate asset and placed it within the jurisdiction of the probate court. MY SPOUSE. This allows the most flexibility. Your spouse can continue to defer the payment of income tax. This also allows the spouse the ability to determine the beneficiaries at his or her death. For high net worth couples, advanced planning with IRAs is essential. CHILDREN Children as primary beneficiaries offer a great way to give a child an automatic retirement fund. If each child is designated as a separate beneficiary, he can continue to defer part of the account over his own life expectancy. In a second marriage situation an IRA is a great tool. The designation to children of the first marriage allows a guaranteed inheritance without involving the second family. If done properly it cannot be challenged. expansion of its operations with a $1.5 million investment in over 5,000 square feet of new manufacturing space and new cutting edge technology to enhance its production capabilities. Tiffin Scenic is a worldwide leader in stage equipment for theaters and large arenas. In addition to manufacturing, the community is also home to Tiffin University and Heidelberg University. Both of these institutions have undergone major expansion efforts. Tiffin University recently opened its Heminger Center. This is an indoor facility that houses indoor track, football, and all types of athletic activity. Heidelberg University just dedicated its latest building development with the Saurwein Center. This facility will provide learning and training for all types of physical activity for the student population and community, as well. With the help of Community Development Block Grants through the City of Tiffin and Clean Ohio Funds, SIEDC has successfully purchased and cleaned up several properties that have been transformed into new productive uses. The former Tiffin Glasshouse has been cleaned and sold to Tiffin Paper to allow them to continue in their growth. The former Rainbow Muffler and Firestone properties were cleaned up as well. The Firestone property is now the new home to the Tiffin Police and Fire All Patriot’s Memorial. A memorial dedicated to the spirit of 9-11 and the heroes who safe guard our freedom. On the retail side there has been much activity. Rural King purchased and renovated the former Walmart building along West Market St. and opened this summer. Advanced Auto built and opened a new facility as well. There have been six new stores open in downtown Tiffin with Phat Cakes and Bunky’s Bike Shop leading the way. GRANDCHILDREN Designation to grandchildren can provide the longest deferral of the payment of income tax. If a two year old is a named beneficiary he can receive income over a life expectancy of over eighty years. REVOCABLE TRUST A trust will allow you to control the funds after your death. It permits a trustee to allocate among a class of beneficiaries or direct the use of the funds. It also allows the retention of funds if a child is not mature enough to receive the funds. A trust can delay the immediate unrestricted access to the monies by your children. CHARITY The use of IRAs to distribute to a charity is a great

See LEGAL, Page 12
Because of our economic diversity, there is much to be optimistic about in regards to the future. This year has shown a great deal of progress. As Oliver Wendell Holmes said, “I find the great thing in this life is not where you stand, but in what direction you are moving.”

SUMMARY, from Page 1
State University football coach Jim Tressel serving as the keynote speaker. Building on the successes exemplified by the meeting, Tiffin and Seneca County have witnessed a number of growth expansions this year that reinforce the strength and diversity of the local economy. Manufacturing continues to be a leading employer and the trend continues with the following announced projects: Toledo Molding & Die Company will spend over $8 million on new plant and equipment and hire 64 new employees. When this expansion is completed, employment at the Tiffin plant will exceed 450 people. TMD located to Tiffin in 2002 with 121 people. The growth has been remarkable. Taiho Corporation of America will spend over $1.6 million in new plant and equipment and hire 45 new employees. They plan to add 40,000 square feet of manufacturing to their plant. Laminate Technologies spent $1.7 million on new plant and equipment to add 25,000 square feet to its current facility in Tiffin. Laminate has facilities in 4 different states with the home office located in Tiffin. They also recently expanded in Virginia. Arnold Machine, Inc. will add 15,000 square feet to its current facility and spend over $800,000 to consolidate operations that are now in two different facilities. They also plan to continue adding employees (10) to their growing payroll. National Machinery, LLC continues its growth with over $2 million in new investment in equipment and is adding 45 new employees. National is a worldwide leader in cold forging technology and equipment. Tiffin Scenic Studios recently underwent an

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November 2012

North Coast Business Journal
Advancement and Alumni Relations at Heidelberg University was the recipient of the Women’s Career Excellence Award and the Tiffin Police and Fire All Patriots Memorial Committee was presented the special Chamber President’s Award. On the Chamber Services side, we continue to expand and refine our program of work. Our Marketing, Branding and Communications Committee, comprised of area communications professionals, meets monthly to design, develop and execute better methods of communicating with our many and varied audiences. By year end, we will roll out a new website, and through a linkage with a new entity,, have the first comprehensive event calendar serving the Tiffin area. We also welcomed 16 new or expanding retail and service businesses to the area, 6 of them downtown. The Chamber was the driving force behind a comprehensive rewrite of the City of Tiffin Sign Ordinance. A six-month process involving chamber members from the retail segment culminated in a more business-friendly document, now awaiting City Council action. As a member of the Tiffin City Schools Business Advisory Council we continue to advocate for the development of a career-based curriculum, particularly at the middle-school level. We hear our manufacturing community loud and clear about the challenges of hiring qualified employees. Speaking of education, the Chamber once again championed a warm community welcome to Heidelberg and Tiffin
University students and staff. Both of these fine institutions represent a significant positive economic impact to our community. Finally, we recognized an Outstanding Educator at our annual breakfast meeting of the same name. Bob Johnston, a long-time educator with Tiffin City Schools, was recognized for his outstanding achievements. We’ve increased the frequency of our highly successful and much acclaimed Downtown Tiffin Farmers’ Markets from 5 to 6 with the addition of a second market day in July as well as provided entertainment to the hundreds of market attendees. We also provided much needed support to the Tiffin-Seneca Heritage Board in their search for volunteers. Our affiliate organizations, the Tiffin Area Safety Council, the Seneca County Industrial Management Council and Leadership Seneca County continue to grow and prosper. Of course, as with any non-profit endeavor, there is a need for fundraising. While we limit it to two, at times it seems as though the activity is constant. We cannot thank our supporters enough and wish to take yet another opportunity to extend our appreciation. I want to thank our Board of Trustees for their continuing support as well as our Ambassadors for their participation in all things Chamber. I’d like to recognize outgoing President Kelly Hohman of the North Central Ohio ESC and her officers Traci Dunn of Kneuvan Schroeder and Maria ParadisoBrown of Elmwood Communities for their work over the past year and welcome Eric Willman of Old Fort Bank and his officers Laura Vitt of Corporate One Benefits and Gina Reuter of Meyer & Kerschner LTD who will begin their term effective November 1. Indeed it was a great year.

website which will undergo a complete makeover in early 2013, concurrent with the release of the 2013 Visitors Guide in late January. We participated in a number of trade shows and fairs, initiated billboard, print and electronic advertising and conducted several group tours. I can report a 14% year-over-year increase in lodging tax receipts, indicative of more heads-in-beds as well as an 8% increase in county gross receipts , driven by an increase in retail spending. The 98th Anniversary was celebrated at the Annual Meeting HOWARD of the Corporation on October 25th 2012. Among the many highlights of not only the year but also the Annual Meeting was the presentation of three prestigious awards. Brent Howard, partner in the law firm of Supance & Howard, was presented with the 2012 Outstanding Citizenship Award. Dr. Kathryn Venema, Associate VP for Institutional VENEMA

North Coast Business Journal

November 2012


Tiffin Tomorrow
Since its inception in 2010, Tiffin Tomorrow’s promotion of economic development has generated a much needed boost toward the revitalization of that city’s historic downtown. Like many cities of its size, Tiffin had experienced a decline in business during the past several decades as a result of hard economic times. But in just two years, the heart of the city has begun to beat again, thanks to the introduction of a variety of events and a growing slate of new businesses. “People from Tiffin and beyond are recognizing that the downtown is an integral part of who we are as a city,” said Tiffin Tomorrow board member Barbara Spitler. To stimulate interest in the downtown, several annual events sponsored by Tiffin Tomorrow have become wildly popular with both Tiffinites and people from across the state. The late-summer Jazzin’ Tiffin is a day-long, outdoor concert that features nationally known jazz artists as well as jazz ensembles from both Tiffin and Heidelberg Universities. In addition, patrons are treated to a juried art show hosted by the local art guild. Each October, Tiffin Tomorrow sponsors the Fall Soup & Trolley Fest where patrons can hop a trolley for a cemetery tour complete with re-enactors, then return to the historic railroad depot and partake in a variety of soups provided by downtown eateries. This year, saw the addition of Pizza Palooza, which offered residents a chance to congregate downtown and sample the best pizza in the area. Also new this year in downtown Tiffin is Tiffin Tomorrow’s “Signatures of Seneca County,” a store that specializes in showcasing the talents of area artisans. Local artists, wood carvers, jewelry makers and writers have teamed with the nonprofit organization to work toward a revitalized downtown through the sale of their art. The store also features Tiffin-oriented apparel. In an effort to entice businesses to the downtown district, Tiffin Tomorrow has partnered with the Tiffin Charitable Foundation and Heidelberg and Tiffin Universities in establishing a competition for prospective new enterprises. This year, one new business is chosen to receive up to $10,000 toward payment of the first year’s lease in a downtown building. Besides sponsoring events, the eight-member board of Tiffin Tomorrow has delved into the aesthetics of the downtown by sponsoring spring and summer cleanups. It also has been instrumental in the refurbishment of the downtown lampposts that are now highlighted by new seasonal banners and flower baskets. “There was a time when downtown Tiffin was the place to be,” Ms. Spitler said. “Our goal at Tiffin Tomorrow is to make that happen again, one step at a time.” For more information regarding this organization, visit the website at

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November 2012

North Coast Business Journal

Bellevue ChamBer
29 Annual Christmas Parade 6:00 pm Information: Kyle at First National Bank 419.483.7340

huron ChamBer of CommerCe
8 Business After Hours 5-7 p.m. Crawford Insurance Group 314 Williams St.

Port Clinton area ChamBer of CommerCe
6 8 9 12 13 15 27 28 Chamber Administration 9:00 am at Chamber Office Main Street Port Clinton Economic Restructuring 10:00 am at MSPC Office Main Street Port Clinton Executive Committee 8:30 at MSPC Office Chamber Board Meeting 8:30 am at Chamber Office Main Street Port Clinton Design Committee 8:30 am at MSPC Office Main Street Port Clinton Board Meeting 8:30 am at MSPC Office Ohio Attorney General 8:30 am Workshop at Ida Rupp Library Chamber Board Retreat 8 am – Noon Commodore Perry Hotel Main Street Port Clinton Walleye Festival Committee 5:00 pm at MSPC Office

seneCa reGional ChamBer of CommerCe & visitor serviCes
2 & 3 Holiday Happenings Come explore over 40 Businesses and play BINGO 8 6 14 15 27 Ribbon Cutting Seneca Dialysis Center 4:30 pm. 10 St. Lawrence Dr. Open House 4:30 - 8:00 pm Seneca County Industrial Management Council 5 pm.

erie County ChamBer of CommerCe
9 13 Business BEFORE Hours 7:30 am Perkins Restaurant and Bakery Five-year Anniversary 5:00 pm Tre Sorelle Cioccolato; 634 Columbus Avenue

huron County ChamBer of CommerCe
8 14 16 28 Board of Directors, 4:00pm, Chamber office Business After Hours Citizen’s Bank, 5:00pm-7:00pm Drop off baskets for Clothing Bank Silent Auction Education Committee, 8:00am, @ David Price Metal Services, 360 East parkway, off St Rt 20 E.

fostoria area ChamBer of CommerCe
15 20 21 Chamber Board Meeting Noon- Fostoria Community Hospital "Meet me @ 4pm" Business Networking Event 4-6pm @ Chateau Tebeau, 525 SR 635, Helena Safety Council 11:30am - Fostoria Community Hospital

Small Business Basics Seminar 9:30 am to 11:30 am . A free, two-hour seminar Community room of the Chamber Register: Bill Auxter at 800826-2431 After Five Croghan Colonial Bank 5 - 7 pm. RSVP Tiffin Area Safety Council 11:30 am at Moose Lodge 946,

marBlehead Peninsula ChamBer of CommerCe
15 29 Business After Hours Bassett’s Market 5:00 to 7:00 pm Executive Meeting 10:00 am at Chamber Office

sandusky County ChamBer of CommerCe
13 27 28 Agriculture Committee Meeting, 7:30 a.m., Chamber office Chamber Ambassador Meeting, 8:00 a.m., Sandco Industries Chamber Board of Trustees Meeting, 7:30 a.m., Chamber office

Genoa ChamBer CommerCe
8 23-25


Annual Chamber Dinner/ Meeting at Genoa Fire Hall Doors open at 6:00 p.m. $15.00 dinner Christmas Open House 11/23 -- 9:00-6:00 Santa arrives in firetruck 6:00 p.m. tree lighting Carols with high school choir Cookies, donuts, coffee 11/24/2012 - 9:00-6:00 11/25/2012 - 11:00-4:00

oak harBor ChamBer of CommerCe
8 15 FREE Seminar Creating & Sustaining a Successful Business Noon @ OCIC, includes lunch, (free to chamber members, non-members just $10 each) Board Meeting 7:30am, Chamber Building

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North Coast Business Journal

November 2012


New Health/Wellness Center at Heidelberg Honors Donors’ Vision
The Saurwein Health & Wellness Center – the newest facility on the campus of Heidelberg University – has become a popular spot for the entire community. The alumni whose estate gift provided significant funding for the facility would be very pleased. To date, Saurwein has been recording about 1,000 visits per week since its official opening on Aug. 27. The 22,000-square-foot center is the catalyst to promote and nurture a foundation for healthy living. Saurwein provides cardio and weight training equipment; multi-purpose space for group fitness activities; lectures and seminars; a lounge; space for healthy refreshments; classrooms and faculty/staff offices; and a unique wellness technology station that allows individuals to track their personal progress toward health goals. The center is named in honor of deceased alumni Cliff and Mary Saurwein, who had a vision to create a welcoming facility for students of all walks of life as well as the campus and local communities. Heidelberg graduates from 1927 and 1930, the Saurweins provided a multi-milliondollar estate gift for construction of the $4.3 million center, which is attached to Seiberling Gymnasium. The Saurweins, who were married for 70 years before passing away in 1999 and 2001, respectively, were generous donors to Heidelberg throughout their lives. They had no children. Heidelberg held a formal dedication ceremony on Sept. 13. As part of the dedication, Board of Trustees member Charlie Cole, also a major donor to the facility, spoke about the essential role of fitness in his lifetime and the importance of providing those same opportunities to young people. He thanked the Saurweins “for giving back to Heidelberg, which we appreciate.” Cole said it took great community promote healthy lifestyles,” said Crone. “We want to honor the commitment the donors have made – the commitment to healthy lifestyles that will continue for many years to come because of our partnership.” The Saurwein Health & Wellness Center is the fifth new or renovated facility to open at Heidelberg in just three years, completing the first phase of the university’s Strategic Action Plan. Looking forward, the university has embarked on the second phase of the plan, the transformational $50 million Academic Comprehensive Campaign for Excellence. ACCE, which has already reached $37 million in cash, pledges and deferred gifts, will deliver critical resources to the people, infrastructure, programs and facilities that define the university’s core academic mission of academic excellence and growth, Huntington explained.

vision from the administration and a collaborative effort to bring the project to fruition. In addition to providing opportunities to work toward healthy lifestyles, Saurwein has multiple other benefits for students, who – in its first month of operation – have utilized the facility at a rate of about 1,000 visitors per week. Sophomore Meredith Higgins said the center is “a fantastic new addition to campus.” “It is a reaffirmation of the holistic educational approach Heidelberg promotes,” she said. “It’s great to be able to fit physical fitness into a busy life at Heidelberg.” From an academic perspective, the center becomes a working laboratory for students studying athletic training, health sciences and health and physical education, said Trevor Bates, associate dean of health sciences and director of the Athletic Training Education Program. “Our students are getting valuable handson experiences in the classroom,” Bates said, extending his thanks to the more than 250 donors whose contributions made the center’s construction possible. Heidelberg University President Robert H. Huntington expressed his appreciation for the leadership of the Board of Trustees and Heidelberg’s partners in the design and construction process, The Design Collaborative and Thomas & Marker, the general contractor. He also thanked Heidelberg administrators who worked together to see the project through to completion. But primarily, he expressed deep gratitude for the Saurweins. “They devoted their lives to being generous, kindhearted people who made other people’s

lives better,” Huntington said. Heidelberg is collaborating with the YMCA to operate the facility, which will complement programming currently provided by the Y and strengthen a four-decade partnership between the two organizations. Steve Crone, president and CEO of the Tiffin Community YMCA, said the partnership cements a longstanding relationship between the institutions that will endure for many more years. “We’re excited to offer programs to help students and the

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10 November 2012

North Coast Business Journal

Something is Right at TU!
• TU Enrollment UP • argest Freshmen Class in L History • International Students Represent 32 Countries • African-American Graduation Rates Noted Enrollment UP Due to difficult economic conditions, colleges across the state are seeing a decline in enrollment numbers—at Tiffin University, however, enrollment is up in the number of undergraduates on the Tiffin campus! In one year, TU has enjoyed a 7.4 percent increase and a 92.0 percent increase over nineyears. Largest Freshmen Class in History The University also welcomed 447 new freshmen to the Tiffin campus for the 2012 fall semester, which is the largest freshman class in the history of the University. According to Tiffin University President, Dr. Paul Marion, “The size of our freshman class has grown each year, and the current class represents a 71% increase over the 262 new freshmen who entered in the fall of 2003. As TU’s academic reputation continues to increase, we find that more and more students are choosing Tiffin.” International Students Today, there are 120 international students attending Tiffin University representing 32 countries. The countries represented include: Australia, Belgium, Brazil, Cameroon, Canada, Central African Republic, China, Colombia, Estonia, France, Germany, Jamaica, Japan, Jordan, Mexico, Nepal, Nigeria, Norway, Pakistan, Peru, Russia, Saudi Arabia, Serbia, South Africa, Spain, Togo, Trinidad & Tobago, Uganda, United Kingdom, and Venezuela. International students often choose Tiffin University because they want an affordable, yet challenging academic program on a safe, friendly campus. It is TU’s goal to provide that cultural and academic experience while preparing students to enter the global workplace. This year the University officially inducted the flags of Saudi Arabia, Serbia, Togo, the United Arab Emirates, and Uzbekistan during the University’s annual International Flag Ceremony. Graduation Rate Noted in “The Education Trust” Tiffin University was noted in a new report from The Education Trust that states which colleges and universities have shown the most progress in improving the graduation rates of African Americans students. Dr. Sharon Perry-Nause, Director of Institutional Diversity at Tiffin University, says, “Our ability to increase graduation rates of AfricanAmerican learners is a result of our dedication and implementation of appropriate structures, which foster organizational commitment to diversity. The recognition confirms the success of our efforts in establishing institutional policies, procedures, and practices that visibly reflect our level of commitment.” Facilities A residence hall for sophomores was constructed recently, a science laboratory was created, the Cole Dining Hall was expanded, the athletic training room and the weight room in the Hanson Fitness Center were enlarged, a new wrestling facility was created, and the newest building,

the Heminger (recreation) Center, opened its doors this year. Why Tiffin? Tiffin University is a place of renowned academic strength within a friendly college town surrounded by the natural beauty of Ohio. Many students often find that Tiffin University is an inviting place to pursue academic goals while participating in personal, recreational, and scenic exploration. At Tiffin University, all students study alongside professors who engage and encourage them to help them discover their individual leadership potential. Tiffin University will continue to represent a new kind of institution in America, the professional university, where the career objectives of traditional college-age students and adult students are optimized through professionally-focused undergraduate and graduate programs that have a broad general education foundation. Join us:

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North Coast Business Journal

November 2012


Sandusky County Employers Receive More Than $76,000 in Workers’ Comp Premium Rebates
Eighteen employers from Sandusky County and surrounding areas received rebates totaling $76,218.68 from the Ohio Bureau of Workers’ Compensation on their workers’ compensation premiums based on their active participation in the Sandusky County Safety Council. The announcement was made at the Sandusky County Safety Council’s breakfast meeting held at Ole Zim’s Wagon Shed on October 24, 2012. The calculation for each employer successfully participating in the Safety Council is 2 percent of their paid premium. Additional 2% rebates will be awarded to qualifying members in November. The Chamber of Commerce of Sandusky County manages the Sandusky County Safety Council. Monthly meetings are typically held on the fourth Wednesday of each month at Elmwood Healthcare Center at the Springs and feature a safety-related program along with a luncheon. Because of the program’s success, BWC has extended the safety council premium discount incentive into FY13. Although the window of opportunity to attain a 2 percent premium rebate has passed for FY13, Ohio employers can still take advantage of active Safety Council membership.

Julie Reynolds, Ohio Bureau of Workman’s Compensation, and Kirk Peterman, Crown Battery Manufacturing Co., Inc. and 2012 Safety Council President, hold oversized check indicating performance rebates earned by Safety Council members for FY12.

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12 November 2012

North Coast Business Journal

Tiffin City Schools -- Rotary Club Contributes To Improved Science Learning
Submitted by Principal Robert Boes The Rotary Club of Tiffin recently donated an Apple Learning Lab to the Tiffin City Schools. The Learning Lab is a secure self-contained cart that holds thirty iPads and a Mac Air PC that can roll from classroom to classroom. The units will be placed in the science rooms of the Tiffin Middle School. All sixth, seventh and eighth grade students in the Tiffin City School System will have the opportunity to enhance much of their science curriculum from the new iPad textbook software being developed by major textbook manufacturers like McGrawHill and Harcourt-Brace. “It is the future,” said Keith Hodkinson, founder of the Rotary Club of Tiffin Technology Initiative and president of the Tiffin Rotary Club this year. According to Hodkinson, “iPad technology allows students to read, see, manipulate, view video, listen and experience science, history, English, and almost every facet of the educational experience.” The software can be updated at a moment’s notice. “A far cry from the old days when history books were out of date within a year of hitting the student’s desks,” he added. After viewing an eight-minute video about textbook technology, Mr. Hodkinson said, “It changed my focus. We, as Rotarians, are charged with making a difference in the world. This is just one small thing we can do locally to prepare our kids for the future.” He highly advised interested parties to view this video as well. It can be seen at Simply type “textbooks” in the search box and scroll down to the video. The total cost of the lab was approximately $14,500, just the beginning of what Rotary hopes will be an ongoing collaboration with other service organizations, companies and foundations in the Tiffin area. Hodkinson said, “I hope to add an Adopt-An-iPad component to the initiative so parents, companies, and citizens can donate $400 and begin to build another Learning Lab.” Each iPad would carry the contributor’s name on the back. There are many ways that iPads can be effective tools in school. In this day and age, one of the hardest things to do in the classroom is to keep the students truly engaged in the topics that they are studying. Using iPads can offer educators more diverse ways to instruct and engage students. With this learning tool in students’ hands, concepts happening around the globe as well as measure their frequency and strength. Students then can move to “Puzzling Plates” and assemble a puzzle of all the tectonic plates and test their knowledge about each one. They can also look at the plate boundaries and discover which earthquakes and volcanoes are located along which boundaries. In the NASA app, students can view up-to-date information and amazing pictures from space, which include some of the most recent space discoveries. The apps are very exciting: Solar Walk, Star Walk, Exoplanet, Science Lab, Human Anatomy, V Cell, Science 360, Moon, Flashcardlet, TED talks, Introducing Planet Earth, Simple Physics, Seasons and Weather HD, Bubble Ball, A Life Cycle, Great Star Watching and Frog Dissection. IPads can also be used to collect information and do research on the Internet, and students find iPads much more user friendly than traditional computers and laptops. During a lab in science class, for example, students can record their observations of an experiment as it is occurring. They can even snap a picture and include it in a lab report at the conclusion of their experiment. Grammer says this technology will be invaluable for her students. “The iPad can help to support the wide ranges of students and abilities, whether they are advanced students or ones with disabilities,” Grammer said. The obvious goal in using this technology would be to have a positive impact on student achievement. This would mean that we would hope to see an improved overall percentage in OAA Science test scores from our eighth grade students. But even more important is the wonderful advantage this technology could give our students who are the leaders of tomorrow. More information may be obtained by emailing Principal Robert Boes at robert_boes@tiffin.k12. or by calling his office at 419-447-3358.

can be viewed in truly interactive ways. Tiffin Middle School teacher Mrs. Becky Grammer said, “The thirty iPads received from our Tiffin Rotary Club are allowing our science students here at Tiffin Middle School the opportunity to benefit and grow as science students using this new technology.” “There are an endless number of apps (applications) that are being developed every day that can be tools to help students learn and experience different topics in science,” she added. An example of this would be the “Quakes” app where students view where earthquakes are 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. Roth’s 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 (telephone: 419-732-9994) copyright Jeffrey P. Roth 2012.

LEGAL, from Page 5
tax saving vehicle. If you want to give to charity, the monies will go directly free of probate and free of the payment of income tax upon presentation of a death certificate. If the distribution had come directly from the trust, income tax would have first been paid and only a portion of the funds would have gone to the charities. The purpose of this article is to make you aware of the importance of the written beneficiary designation form. Remember to name a contingent beneficiary or we will watch the asset pass through the estate. Good luck.

ng orki I'm w re he

Call Dave at the North Coast Business Journal at 419-734-4838

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North Coast Business Journal

November 2012


Erie County Committee Recognized
The Ohio Local History Alliance recently honored the Erie County Civil Wa r Sesquicentennial Committee with a “History Outreach Award,” part of their 2012 Outstanding Achievement Awards. The award was presented for a brochure created by the group, “Lake Erie Shores and Islands Civil War Destination Guide.” With funding provided by the Lake Erie Shores & Islands Welcome Center and the Sandusky/Erie County C o m m u n i t y Foundation, the fullcolor brochure was produced by Mark Advertising and is distributed via the welcome center and historical sites in Erie, Ottawa, Huron, Sandusky, and Seneca counties, in addition to the Ohio Historical Society in Columbus.

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14 November 2012

North Coast Business Journal

Nobody likes to talk about chest pain.
But you need to have a plan – just in case. 
Sharon Haver began experiencing what she thought was acid reflux. She was leaving to go to the store to get anti-acid medicine when the pain became stronger and she began to sweat. It was then that she realized it wasn’t acid reflux. She began to shake, and knew it was time to call 911. The squad arrived quickly. When Sharon arrived at the Mercy Tiffin Hospital’s emergency department, she saw Laura Gaietto and Craig Hepp. She said to them, “Don’t let me die.” Laura and Craig responded, “Not on our shift Sharon.” Sharon said that the entire emergency department staff stayed close to her and knew exactly what to do. They assured her that there was a Chest Pain Accredited team taking great care of her and everything would be okay. Laura Gaietto continued to hold her hand. Dr. Michael Fitzpatrick said that she needed to be transported via Life Flight. Within 40 minutes of her arrival at the emergency department, Sharon was on her way to Mercy St. Vincent’s Medical Center. Sharon credits her remaining life to the treatment she received at Mercy Tiffin’s emergency department. “Laura and Craig are truly angels of Mercy,” said Sharon. “They saved my broken heart.”

If you experience chest pain along with any of the following symptoms of a heart attack, call 911 immediately: • Pain and/or squeezing sensation of the chest • Shortness of breath • Sweating • Indigestion • Arm pain or upper back pain • General feeling of illness

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

Mercy knows
St. Anne St. Charles St. Vincent

by heart.
Children’s Defiance Tiffin Willard

North Coast Business Journal

November 2012


The Investment Tax Landscape: Countdown to 2013
Douglas Gildenmeister Senior Vice President, Investments Raymond James In December 2010, Congress extended the so-called Bushera tax cuts. However, for investors, the legislation may have been a stay of execution rather than a full pardon. As of January 1, 2013, federal tax rates on income, qualifying dividends and capital gains (among other provisions) are scheduled to revert to previous levels. Given recent partisan wrangling, no one can be completely sure about precisely what will happen. Even if all the scheduled changes don’t ultimately go into effect, others likely will. In the meantime, as the clock ticks closer to some sort of decision point, it might make sense to review your portfolio and do some “what-if” planning for various scenarios. Taxes obviously are only one factor--and not necessarily the most important one--in decisions about your portfolio; think of this as a chance to fine-tune your planning efforts. term capital gains and qualifying dividends, they’re included when calculating your taxable income under the AMT. If realizing a large capital gain indirectly increases your AMT exposure or might push you into the phaseout range for AMT exemptions, that could potentially wipe out any tax savings from selling this year. If you think an investment will continue to be a sound one but feel you would benefit from selling prior to 2013 to take advantage of current low rates on existing gains, you could sell the investment and repurchase it later. That would give you a higher cost basis for any subsequent sale, potentially reducing your tax liability at that point. Also, even if you do decide to sell, you don’t necessarily need to do so all at once. The tax cuts that produced the current rates have already been extended once, and it could happen again. Repositioning your portfolio gradually could moderate the risk of a single badly timed sale. There also are a variety of strategies for managing concentrated stock positions; get expert help before deciding that selling is your only choice. to be aware of. Beginning in 2013, a new 3.8% Medicare contribution tax will be imposed on some or all of the unearned income of individuals with high modified adjusted gross incomes (see table). Also, the hospital insurance portion of the payroll tax is scheduled to increase by 0.9% for higher-income individuals. However, unless you exceed the specified thresholds, neither provision will affect you. If you expect to be affected by the new taxes and/or a higher tax bracket, the benefits of tax-free investments might become even more pronounced. Taxable bonds typically pay higher interest rates than municipal bonds, but if you’re in a high tax bracket, munis can potentially offer a better after-tax return. As with any investment decision, there are many factors to consider. Local and state governments have come under severe financial pressure, and though the default rate on munis has traditionally been low, a default is always possible. Also, interest rates have been at historic lows since the end of 2008; since bond prices move in the opposite direction from their yields, rising interest rates would not be good news for bond prices. you decide to sell, make sure you’ve allowed enough time to accommodate trade settlements and holiday schedules. Investments in tax-deferred accounts, such as IRAs or 401(k)s, won’t be affected by any tax changes until you withdraw the money, so unless you’re contemplating the timing of a withdrawal, you may not need to worry much about them. However, if you’ve been considering a Roth IRA conversion, find out whether you would reduce your tax liability by converting in 2012 rather than later. Even if 2013 seems unlikely to have much impact on you, this could be a good time for some routine portfolio maintenance. And if you think you might be affected by any of the above situations, it’s especially important to get expert help. 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


There’s another reason the scheduled tax bracket changes are important. As of 2013, qualifying dividends are scheduled to be taxed as ordinary income, as they were before 2003, rather than at the lower rate for longterm capital gains. The higher your tax bracket and the more you rely on dividends for income, the more you should be aware of the potential impact of that change on you. However, remember that taxes aren’t the only factor you should consider in making a decision. Dividends can still represent a welcome income alternative to interest rates that are expected to remain at rock-bottom levels through mid-2015. And with baby boomers beginning to reach retirement age, interest in any and all sources of ongoing income is unlikely to disappear. As with capital gains, many factors will affect your decision about the role of dividends in your portfolio.

Capital gains

gooD time for a CheCkup
If you do decide to make adjustments, this year will require a tradeoff in timing them. Postponing action may give you more clarity, but waiting until the last minute could potentially leave you caught in a stampede for the door at year’s end, or trying to make decisions during a volatile period. If

You’ll want to pay attention to scheduled changes in tax rates, especially if your income is more than $200,000 a year ($250,000 for you and your spouse, $125,000 if married and filing separately). Absent further action, current tax rates will be replaced by five federal tax brackets rather than six (see table) and the top long-term capital gains rate will go up. If you’re considering selling an asset that has appreciated substantially, determine whether you should do so this year rather than next. Even if some current income tax rates are extended, individuals or households with incomes above the $200,000/$250,000 limits might still face higher rates. If you’re above the threshold, you could be hit simultaneously with a higher capital gains rate on the proceeds of your sale and a higher income tax rate. Don’t forget the alternative minimum investment inCome/ tax in your calculations. Although the payroll taxes AMT doesn’t apply directly to longThere’s another factor you may need



new feDeral tax rate
2012 As of January 1, 2013 15%, 28%, 31%, 36%, 39.6% 20% maximum, 10% for those in 15% income tax bracket Taxed as ordinary income (39.6% top rate) 3.8% on net investment income for individuals with MAGI over $200,000 ($250,000 for married couples filing jointly; $125,000 for married individuals filing separately) 10%, 15%, 25%, 28%, 33%, 35% 15%, maximum, 0% for those in 10%, and 15% income tax brackets Taxed at long-term capital gains rate (15% top rate)

Ordinary Income Capital Gains (generally) Qualified Dividends Medicare contribution tax on unearned income


16 November 2012

North Coast Business Journal

Front Row: Stacy

Rellinger, O.D., Susan E. Smith, M.D.

Back Row:

Jason Kolodziejczyk, O.D., Dale Solze, M.D., Greg DeRodes, O.D.

2311 Hayes Avenue

Accepting New Patients
NCBJeyecenters5x5-10_12.indd 1


622 Parkway Drive ONow




Master of Business Administration Master of Education Master of Humanities Master of Science in Criminal Justice Bachelor of Arts Bachelor of Business Administration Bachelor of Criminal Justice Associate of Arts Associate of Business Administration Associate of Criminal Justice
155 Miami Street, Tiffin, Ohio 44883 419.447.6442 WWW.TIFFIN.EDU

10/25/12 2:13:31 PM

North Coast Business Journal

November 2012


Tax Planning

It’s time to talk to Payne Nickles.
Payne Nickles provides broad expertise in federal, state and local tax matters, specializing in complex business and individual situations. Through thoughtful tax planning, we aim to minimize taxes for all of our clients and, for our business clients, maintain the objective of encouraging business development. Tax Planning Services for: • Small Business • Corporate • Partnership • Individual • Fiduciary • Estate & Retirement Plans • Non-Profit Entities

When it’s time to think about taxes...

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 Norwalk Office 419-668-2552

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18 November 2012

North Coast Business Journal

Berg Business Board Adds Value to HU Experience
A group of successful business executives have formed the Berg Business Board to guide, promote, advise and support Heidelberg University’s School of Business’s mission to become a premiere business school. Alumna Stacy Cox, ’94, senior vice president and chief operating officer of Croghan Colonial Bank in Fremont, was chosen as the first chair of the 11-member BBB. Three others are Heidelberg alumni, including vice-chair Mark Beliczky, ’77, managing director of Salus Sciences, LLC, in Baltimore; Scott Hicks, ’89, president and CEO of the Clyde- COX Findlay Area Credit Union, and Jerry Ross, ’80, executive director of the National Entrepreneur Center in Orlando, Fla. Also lending their expertise to the board are: • Willard Heddles, CEO and president, Tiffin Metal Products • Cary Cox, manager of business development, Marathon Petroleum • John Bolte, executive vice president, National Machinery, LLC • Richard Focht, president and CEO, Seneca Industrial & Economic Development Corp. • John Detwiler, president and CEO, Seneca Regional Chamber of Commerce • Cynthia Dennison, senior director of finance, Mercy Tiffin Hospital and Mercy Willard Hospital • Andrew J. Felter, president and COO, Webster Industries School of Business Dean Dr. Haseeb Ahmed said formation of the BBB is an important component of the new business model for the school. “These are high-level executives, getting attached to us, getting familiar with our curriculum, our students AHMED and our programs, and becoming vested with us,” he said. Programs such as the BBB, the Heidelberg Business Institute, the Executive-in-Residence and Entrepreneur-in-Residence programs add quality and relevance to the School of Business, reinforce a forward-looking perspective and create a mindset that connects practice with theory, Ahmed said. The BBB also maintains a continuing dialog between the school and the business community. “We now have a two-way exchange taking place, and that’s very important,” he added. The group will meet once each semester. Following the initial meeting, Ahmed was pleased with the “unprecedented willingness and excitement of the board to be involved with us.” “They will be extremely valuable in terms of internships, job placement, as guest speakers and resources, and will be involved with student activities.” BBB members also will participate in admissions and other events on campus.

EHOVE Surgical Recognized Nationally
EHOVE Adult Career Center’s Surgical Technologist program has received the annual Merit Award from the National Board of Surgical Technology and Surgical Assisting (NBSTSA) for achieving a 100% graduate pass rate on the Certified Surgical Technologist (CST) examination for cycle of August 1, 2011 through July 31, 2012. Graduates obtaining national certification as a CST demonstrate by e x a m i n a t i o n understanding of the basic competencies for safe patient care of the operating room. The CST is widely recognized in the healthcare community as the foremost credential for surgical technologists in the nation. According to NBSTSA Chief Executive Officer Ron Kruzel, the NBSTSA has a 40 year history in CST examination development. The CST examination is the only fully accredited examination by the National Commission for Certifying Agencies (NCCA) for surgical technologists in the nation. NCCA accreditation assures that the CST examination meets stringent standards of examination development and administration.

Banks Unite with Local Group to Purchase Laird Building.
The Tiffin Community Reinvestment Group LLC along with the assistance of Croghan Colonial Bank, FNB Sycamore, Old Fort Banking Company, and Sutton Bank have successfully purchased the Laird Building from an out of state interest. Additional loan assistance was provided by WSOS. The Tiffin Community Reinvestment Group LLC is a group of 30 plus community minded business individuals united in the spirit of rejuvenating downtown Tiffin. The group was formed in 2010. The mission statement of the LLC is to organize a group of concerned citizens for the purpose of promoting business growth and the joy of living in Tiffin and its surrounding community. In particular, the LLC will focus on downtown revitalization of living and retail space opportunities for new business as well as increasing real estate value. Equal opportunity exists for private investors in this for profit venture. By employing innovation, community mindedness and commitment, real estate growth can occur and prosper resulting in a downtown that is vibrant and alive.

Certification as a surgical technologist exhibits professional pride, the desire to be recognized for mastery of surgical competencies and most importantly, an ongoing commitment to quality patient care.



2:35:20 PM

North Coast Business Journal

November 2012


Will you help us teach the future business leaders of America?
Professionals working in Erie and Seneca Counties are invited to volunteer now to teach financial literacy, work readiness, and entrepreneurship programs offered through your local JA association to K-12 students in your community! A small amount of your time can make a very large difference in preparing our children to compete in the global economy. To volunteer in Erie County, please call Shawn Armstrong at 419-621-1794, or in Seneca County, call Luke Hafeli at 419-618-3225. Please call now to volunteer!

Your skills. Their future.

20 November 2012

North Coast Business Journal

Photo Courtesy of Kevin Seibert. Oak Harbor's 34th Annual Apple Festival was held on October 13-14, 2012 – A wonderful weekend filled with food, rides, crafts and entertainment.

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Get Your Head in tHe Cloud

8/27/12 10:18:21 AM

Back Row: Bill Back, MD, Robert Secor, MD, James Rosso, MD, David Jump, DO Front Row: Evillo Domingo, MD, Nancy Verhoff, MD, Alison Winans, PA-C, Alicia Rendon, CNP

Trust the expert, caring hands of Mercy providers.
Mercy is committed to providing accessible and convenient primary care services. Mercy’s primary care providers are dedicated to providing quality medical care to the community, and meeting their patients’ medical needs. Patients have the option of choosing from five convenient office locations and eight providers. To find out how you can become a Mercy Primary Care patient, please call one of the five office locations.
Mercy Primary Care – Willard 1100 Neal Zick Road 419.933.2811 or 419.935.6761 Mercy Primary Care – Greenwich 65 W. Main Street 419.752.1811 Mercy Primary Care – New Washington 202 W. Mansfield Street 419.492.1300 Mercy Primary Care – Shiloh 21 W. Main Street 419.896.3844 Mercy Primary Care – Plymouth 25 Spring Street 419.687.5781

Cloud computing* is the use of resources (hardware and software) that are delivered as a service over a network (typically the Internet). Cloud computing entrusts remote services with a user’s data, software and computation. Virtualization* is the creation of a virtual (rather than actual) version of something, such as a hardware platform, operating system(OS), storage device, or network resources.
*From Wikipedia, the free encyclopedia

Virtualization is an essential component of cloud computing. Together, in partnership with virtualization leaders, aCC can help you build a private or hybrid cloud infrastructure and supply end-user computing as a cloud-based service. The result is not just any cloud, but your cloud – delivering results for your business. Please contact us today to find out how we can enhance your company.
Members of Mercy Medical Partners

ACCessing the Future... Today!

St. Anne St. Charles St. Vincent Children’s Defiance Tiffin Willard
©2012 Mercy

419-668-4080 • • • 166 Milan Ave, Norwalk

North Coast Business Journal

November 2012


Mercy Tiffin Hospital Focusing on Comprehensive Cancer, OB Services and Launch of Electronic Health Record
One Patient, One Record Mercy Tiffin Hospital is dedicated to providing Mercy Tiffin Hospital installed a new system that comprehensive services to patients in the Tiffin area, and ensuring that the community has access lets providers enter your health information into a single electronic health record. It’s called CarePATH to excellent healthcare. – which stands for Patient-centered Access to Teambased Healthcare. It keeps all of your health Comprehensive Cancer Care Fighting cancer requires strength, courage and information in one place for easy access by your resolve, and the support of family members and medical team. CarePATH replaces paper records, and your doctors caregivers is essential. Mercy believes it takes a team effort to meet cancer head-on. Each patient and nurses update your medical chart electronically. This system allows Mercy to provide even higher has unique needs. That is why every member of Mercy’s quality, safer care to our patients wherever they multidisciplinary team is sincerely focused on receive care — in a Mercy hospital, when visiting a providing cancer care that is based on our strong Mercy-employed physician or in a Mercy Emergency foundation of faith, hope and love. Mercy’s cancer Department. CarePATH is a product of Epic, an industry leader professionals are all highly qualified, from our certified oncology nurses and radiation therapists in providing clinical information technology. Epic to our board certified medical and radiation was chosen because Epic is the largest vendor to have a fully integrated solution for both acute and oncologists. ambulatory care, Epic covers the most patient Dr. Joe Kaminski, Mercy’s full-time radiation oncologist, is board certified in radiation oncology. lives by primarily contracting with major health Dr. Sam Veltri, Mercy’s full-time medical oncologist, systems and Epic leads all vendors in physician is board certified in medical oncology and internal adoption (percent of orders entered directly by medicine. Dr. Veltri’s and Dr Kaminski’s goal is to doctors). provide high quality and compassionate care to Access your family’s medical information every patient through a wide range of services including chemotherapy, hormone therapy, anytime through MyChart MyChart is an interactive electronic health record immunotherapy/biological therapy, general medical oncology, general hematology and system available to patients of physicians who are radiation therapy. The Mercy Cancer Center at employed through Mercy Medical Partners. Tiffin is accredited by the American College of Currently, only physicians employed through Surgeons’ Commission on Cancer. This distinctive Mercy can offer MyChart. In the future, affiliate recognition is earned by cancer programs capable physicians (those not employed by Mercy but who are members of the medical staff at any Mercy of providing the very best in cancer care. facility) who choose to use CarePATH will have the option to offer MyChart to their patients. Starting Life Together With MyChart, you can communicate with your At Mercy, we believe the birth of a child is one of life’s most wonderful experiences. It’s why we feel doctor’s office; access your test results; request truly privileged to be a part of helping so many prescription renewals; view your recent clinic visits; parents and babies start their lives together, and and access your children’s appointments, why we offer comprehensive programs and services immunization records and growth charts. MyChart is free and easy to use. Your current health for expectant parents. Mercy Tiffin Hospital’s Family Birthing Center is a information is a click away, whenever you have Level I Perinatal Center, a designation that ensures access to the Internet. You can log on securely to that you and your baby will receive excellent care access continuously updated information. This during your stay. Specially trained nurses staff the exclusive healthcare management tool is password birthing center 24 hours a day, ready to help no protected for your privacy and security. When you arrive for your next appointment with matter when your little one decides to arrive. Specially trained lactation consultants are also your Mercy-employed physician, ask a staff member available to nurture that special bond between about signing up for MyChart. You can log on anytime with your user ID and password at Mom and baby. Obstetricians Jennifer Glance, DO, FACOG and Wesley W. Hedges, MD, FACOG, and Certified Nurse Midwife Kathleen Pool, RN, C-EFM, MSN, CNM, are on-call seven days a week, 24 hours a day. Mercy OB/GYN Associates – Tiffin is currently accepting patients.

22 November 2012

North Coast Business Journal

Independent Contractors vs. Employees
Submitted by: Mark T. Reilly Often when I meet with clients and prospective clients the topic of the people that do the work and how they are treated comes up. We are not the IRS nor are we from the Department of Labor, but the way we judge the status of your workers as either employees or independent contractors is pretty straight forward. If they are classified as an independent contractor, they must have liability coverage that can be verified by a certificate of insurance. If they do not have their own coverage then we view them as employees. The federal government has their own set of interests and how they judge your classification or lack of classification may affect you from a tax, penalty and benefit basis. Know the laws to avoid misclassifying a worker Whether a worker is covered by a particular law or is entitled to receive a particular benefit often depends on his or her classification as an employee or an independent contractor. In general, employment laws, labor laws and related tax laws do not apply to independent contractors. For this reason, many employers have seen an advantage in hiring independent contractors to avoid the costs of employee benefits, unemployment compensation contributions and workers’ compensation liability. As a result, misclassifying an employee as an independent contractor has become an increasing issue of concern to governments, courts and regulatory agencies. Employers that misclassify employees as independent contractors expose themselves to expensive fines and litigation if an individual can prove he or she did not receive a benefit or protection he or she was entitled to by law. Consequently, employers must make a conscientious effort to determine the true nature of their relationship with their workers. Whether they think a worker is an independent contractor is immaterial. The courts and regulatory agencies consistently look beyond the formality of a relationship to determine its true substance and character. However, classifying an individual as either an employee or an independent contractor is not a simple task. No standard test has emerged to determine the true character of an independent contractor relationship. In fact, employers may have to apply a different test each time they need to determine how issues of employment benefits, workers’ compensation, unemployment compensation, wage and hour laws, taxes or protection under Title VII of the Civil Rights Act, the American with Disabilities Act and the Family and Medical Leave Act affect their working relationship. In addition, employers should be aware that state and local variations of these tests also apply to any given situation. Nevertheless, the recurring theme in all these tests is control, and in different ways, they all seek to determine the amount of control that an employer exerts over its workers. Factors in these tests look at behavioral control, financial control and the overall relationship between the parties. The most common tests are the common law test, the economic realities test, the hybrid test and the IRS 20-point test. The Common Law Agency Test The common law test is also known as the agency test because it assumes that unless Congress has defined the terms “employee”, “employer” and “scope of employment” these terms are best understood under the context of the laws of agency. Several courts in the United States have favored this test for issues related to the Copyright Act, ERISA and the NLRA. The Common Law Agency Test requires an intense consideration of 13 different factors that individually may not determine the character of the relationship between the employer and the worker, but as a whole allow for an understanding of how much control an employer exerts over a particular individual. These 13 factors, also known as the Reid factors, evaluate the following: 1. The duration of the relationship between the parties; 2. How much discretion the worker has over when and how long to work; 3. The worker’s role in hiring and paying assistants; 4. The employer’s right to control the manner and means by which the product is accomplished; 5. The location of the work; 6. The method of payment; 7. The skill level required to complete the job or services; 8. Who provides the tools and equipment to complete the job; 9. How the employer reports payment of the worker’s compensation for tax purposes; 10. Whether the employer is in business; 11. Whether the employer provides employee benefits to the worker; 12. Whether the employer has the right to assign additional projects to the worker; and 13. Whether the work is part of the employer’s regular business. depends on an employer, the more likely it is that the individual should be categorized as an employee. The courts have favored this test when the term employee is used in a very broad sense, for example in issues related to the FLSA and the FMLA. The economic realities test outlines several factors an employer may consider to determine the level of financial dependency. As with the common law agency test, one factor standing alone is insufficient to establish dependency, but as a whole enables the employer to evaluate the nature of an employment relationship. These factors evaluate: 1. The degree of the employer’s right to control the manner in which work is performed; 2. The degree of skill required to perform the work; 3. The worker’s investment in the business; 4. The permanence of the working relationship; 5. The worker’s opportunity for profit or loss; and 6. The extent to which the work is an integral part of the business. The Hybrid Test As the name suggests, the hybrid test combines elements from the common law agency and the economic realities tests. The factors under this test are a combination of the ones described above but consider special details in the relationship between an employer and a worker, such as: 1. The kind of occupation the individual is performing (does it require the supervision of an expert or can it be done by a specialist working alone); 2. Whether a termination procedure exists for terminating the work relationship and does it resemble the procedure used for terminating employees; 3. Whether the worker accrues time off; and 4. The parties’ intentions. Though some lower courts have used this test to deal with issues related to Title VII, ADEA and the ADA, the Supreme Court has criticized this approach and is leaning more toward using the common law test for similar issues.

The Internal Revenue Service 20-Point Test The Internal Revenue Service (IRS) has also developed its own test to determine whether an employment relationship exists between a worker and an employer. The IRS developed this test to determine the tax liability of employers and individuals. The IRS test is sometimes referred to as the control The Economic Realities Test test and it expands and classifies factors from the The economic test also requires a thorough common law test into three categories: a sphere of analysis of the relationship between the parties and behavioral control, a sphere of financial control evaluates the level of financial dependency that the and factors that determine the type of relationship worker has on an employer. Generally, under the economic realities test, the more an individual See INSURANCE, Page 23

North Coast Business Journal

November 2012


The Bellevue Hospital Designated a NICHE Hospital
The Bellevue Hospital (TBH) has been designated as a NICHE Hospital for 2012-13, the only hospital in the Four-County Area and Northwest Ohio to currently hold such a designation. NICHE stands for Nurses Improving Care for Healthsystem Elders, and it means TBH is designated as a seniorfriendly hospital for those ages 65 and older. NICHE hospitals strive to give sensitive and exemplary care to those 65 and older, and to provide principles and tools to stimulate a change in the culture of hospitals and their care for older adults. The designation is awarded through The Hartford Institute for Geriatric Nursing at New York University College of Nursing. “Even though NICHE is a nursing designated program, the hospital will expand and utilize the NICHE principles in every department, to assist us in communications with our older patients and promoting their well-being and safety,” said Janet Runner, Vice President for Patient Care Services at TBH. “Our hospital is committed to high quality care for all patients and we look forward to continuing to educate ourselves and to grow our knowledge base to benefit all our patients and families,” added Runner. NICHE hospitals use a Geriatric Resource Nurse (GRN) model is an educational and clinical intervention model that prepares staff nurses as the clinical resource person on geriatric issues to other nurses on their unit. GRNs are trained by geriatric advanced practice nurses to identify and address specific geriatric syndromes such as falls and confusion, and to implement care strategies that discourage the use of restrictive devices and promote patient mobility. NICHE supports the implementation of a variety of best practices, including prevention and management of pain, pressure ulcers, adverse medication events, delirium, urinary incontinence and fall prevention. NICHE helps nurses identify, interpret, and apply evidence-based practice to optimize both care outcomes and the patient/ family experience. NICHE also promotes the idea that patients and their caregivers benefit from robust participation in decisions that affect their personal health outcomes. Involvement of the patient and family in the direction of care is critical to the program. And, as part of the program, a number of resources are available for geriatric patients and caregivers to help with: nurse/family partnering strategies; community care options; self-care for family caregivers; discharge planning; medication use; dementia; work and care of older adult topics, and much more. The care of older Americans is expected to escalate in the coming years, as the 78-million member baby boom generation born between 1946 and 1964 began turning 65 in 2011. And the number of people age 65 and older is expected to grow from 39 million in 2008 to 72 million in 2030. The NICHE program is the largest national geriatric care program for hospitals. The program has been instituted in over 300 hospitals throughout North America. Additional information can be obtained at www.

The Bellevue Hospital (TBH) is the first hospital in Northwest Ohio to receive a NICHE rating, which stands for Nurses Improving Care for Healthsystem Elders. Displaying TBH’s certificate are, left to right, Janet Runner, Vice President for Patient Care Services; Pattie Adams, Medical/Surgical Floor Nurse ncbj1111AHAC.pdf 11/2/11 11:18:48 AM Leader; Amber Spoerr, RN; and Fred Kohler, RN.

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INSURANCE, from Page 22
that exists between parties. For more information, instructions and commentaries on this test, employers can rely on the IRS publication located on its website. Constant re-evaluation Employers must evaluate current working relationships on a regular basis. Working relationships are dynamic and the changes that occur over time may impact the nature of the relationship between a worker and an employer. Employers that do not review the nature of their relationships with independent contractors run the risk of expensive fines and litigation procedures. Diversified Insurance Service has put together a valuable resource page on their website that includes a whitepaper on Hiring an Independent Contractor, please visit www. You may also contact Mark Reilly of Diversified Insurance Service at (800) 848-2788 for more information.

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24 November 2012

North Coast Business Journal


Is Your Worker an Employee or Independent Contractor?
By: Jeffrey J. Rosengarten, CPA, CFE Payne, Nickles and Company The question of whether a worker is an independent contractor or employee for federal income and employment tax purposes is a complex one. It is intensely factual, and the stakes can be very high. If a worker is an employee, the company must withhold federal income and payroll taxes, pay the employer’s share of FICA taxes on the wages plus FUTA tax, and often provide the worker with fringe benefits it makes available to other employees. There may be state tax obligations as well. These obligations don’t apply for a worker who is an independent contractor. The business sends the independent contractor a Form 1099-MISC for the year showing what he or she was paid (if it amounts to $600 or more), and that’s it. Who is an “employee?” There is no uniform definition of the term. Under the common-law rules (so-called because they originate from court cases rather than from a statute), an individual generally is an employee if the enterprise he works for has the right to control and direct him regarding the job he is to do and how he is to do it. Otherwise, he is an independent contractor. Some employers that have misclassified workers as independent contractors are relieved from employment tax liabilities under Section 530 of the 1978 Revenue Act (not the Internal Revenue Code). In brief, Section 530 protection applies only if the employer: filed all federal returns consistent with its treatment of a worker as an independent contractor; treated all similarly situated workers as independent contractors; and had a “reasonable basis” for not treating the worker as an employee. For example, a “reasonable basis” exists if a significant segment of the employer’s industry has traditionally treated similar workers as independent contractors. Section 530 doesn’t apply to certain types of technical services workers. Individuals who are “statutory employees,” (that is, specifically identified by the Internal Revenue Code as being employees) are treated as employees for social security tax purposes even if they aren’t subject to an employer’s direction and control (that is, even if the individuals wouldn’t be treated as employees under the common-law rules). These individuals are agent drivers and commission drivers, life insurance salespeople, home workers, and full-time traveling or city salespeople who meet a number of tests. Statutory employees may or may not be employees for non-FICA purposes. Corporate officers are statutory employees for all purposes. Individuals who are statutory independent contractors (that is, specifically identified by the Internal Revenue Code as being non-employees) aren’t employees for purposes of wage withholding, FICA or FUTA and the income tax rules in general. These individuals are qualified real estate agents and certain direct sellers. Some categories of individuals are subject to special rules because of their occupations or identities. For example, corporate directors aren’t employees of a corporation in their capacity as directors, and partners of an enterprise organized as a partnership are treated as self-employed persons. Under certain circumstances, you can ask IRS (on Form SS-8) to rule on whether a worker is an independent contractor or employee. (Authors note: This article is not intended to offer professional tax advice. Please consult your tax advisor.)

Fisher-Titus Medical Center Receives American Heart Association’s Award
Fisher-Titus Medical Center has received the Get With The Guidelines®–Stroke Silver Plus Quality Achievement Award from the American Heart Association. The award recognizes Fisher-Titus Medical Center’s commitment and success in implementing a higher standard of care by ensuring that stroke patients receive treatment according to nationally accepted guidelines. This marks the first year that Fisher-Titus has been recognized with a quality achievement award. Get With The Guidelines–Stroke helps Fisher-Titus Medical Center’s staff develop and implement acute and secondary prevention guideline processes to improve patient care and outcomes. The program provides hospitals with a web-based patient management tool, best practice discharge protocols and standing orders, along with a robust registry and real-time benchmarking capabilities to track performance. The quick and efficient use of guideline procedures can improve the quality of care for stroke patients and may reduce disability and save lives. “Recent studies show that patients treated in hospitals participating in the American Heart Association’s Get With The Guidelines-Stroke program receive a higher quality of care and may experience better outcomes,” said Dr. Lee H. BAUER Schwamm, chair of the Get With The Guidelines National Steering Committee and director of the TeleStroke and Acute Stroke Services at Massachusetts General Hospital in Boston, Mass. “The Fisher-Titus team is to be commended for their commitment to improving the care of their patients.” Following Get With The Guidelines-Stroke treatment guidelines, patients are started on aggressive risk-reduction therapies including the use of medications such as tPA, antithrombotics and anticoagulation therapy, along with cholesterol reducing drugs and smoking cessation counseling. These are all aimed at reducing death and disability and improving the lives of stroke patients. Hospitals must adhere to these measures at a set level for a designated period of time to be eligible for the achievement awards. “Fisher-Titus is dedicated to making our care for stroke patients among the best in the country. The American Heart Association’s Get With The Guidelines–Stroke program helps us to accomplish this goal,” said Dr. Brendan Bauer, a board certified neurologist and chairman of the Fisher-Titus Stroke Program. “This recognition demonstrates that we are on the right track and we’re very proud of our team.”

North Coast Business Journal

November 2012


The Well-Booked Business
By Cathy Allen I believe in The Peter Principle – the idea that within organizations people will be promoted up to the level at which they are no longer competent to do their job. Whenever an employee demonstrates skill as a waiter, say, or as a doctor, he or she will be moved into a management position without regard for whether they have any skill at all in managing other waiters or doctors. It happens all the time and it can be unpleasant for everyone. Fortunately for all of us, management skills can be easily learned. Many authors have turned their attention to this issue over the years, and libraries are full of accessible and enjoyable lessons on how to be an effective boss. I have shared a few of my favorites with NCBJ readers over the years and this month I provide summaries of two more classic works. Maybe if a new generation of supervisors learned the secrets of the One Minute Manager, more of us would look forward to going to work. The One Minute Manager: The Quickest Way to Increase Your Own Prosperity by Kenneth Blanchard, Ph. D. and Spencer Johnson, M.D. Berkeley Books, 1982 SUMMARY: True to form, Blanchard and Johnson have given us a fable in which a fictional learner asks questions of a wizened manager about the principles and techniques that have made him successful. In the process, the student and the reader learn the One Minute Management philosophy and its basic components. Characteristics of Effective Managers • They know what they want from the people they manage and they communicate for understanding. They check the performance of their employees against the goals they have spelled out together and provide ongoing feedback. • They are oriented to praising people for what they do correctly, much more so than to “zapping” them for doing something incorrectly. They help people learn how to do things well by observing their progress and encouraging more of the well-done part. • They can be tough on behavior but are always supportive of the people they supervise. • They are transparent, always explaining why they do what they do and are therefore not manipulative. • They practice what they preach. no more than a single sheet of paper to outline deliverables, including clear performance standards. Workers should participate in crafting those goals and should also have the benefit of regular check-ins from their supervisor to help them see how they are doing. • One Minute Praisings. Direct, clear feedback about what the boss likes and values is an indispensable management tool. When a worker does something right, a One Minute Manager will let them know it, being specific and saying how he or she feels about their good work. Such feedback is instant - in the moment – and not just at the annual evaluation. Praise does not have to be effusive, just clear, honest and consistent. Good managers want people to be successful so they make sure their expectations are understood. • One Minute Reprimand. When a course correction is in order, the One Minute Manager will be clear about the problem. He or she will make eye contact and then be direct and specific about the mistake. Again, they will say how the error makes them feel (disappointed, etc.) Such criticism is not personal but about the behavior that must change. The event is over quickly and followed by something positive. Humor helps, especially if the goal is behavioral change. After it’s over, it’s over. One Minute Managers don’t reprimand someone for doing something wrong if they don’t have the training or support to do it right. Leadership and the One Minute Manager: I n c r e a s i n g Effectiveness Through Situational Leadership, Kenneth Blanchard, Patricia Zigarmi, and Drea Zigarmi. William Morrow and Company, Inc. 1985 tasks and a more hands-off approach on others. A Situational Leader adjusts his or her style to fit the person and the circumstances. Of course, it is necessary to correctly assess people and their willingness and ability to do the tasks at hand. A bit denser that the other fables by this author, the book provides clear guidance to supervisors on exactly when to use different leadership styles. Characteristics of Situational Leaders • They don’t work closely with everyone they supervise, only the ones who need help. • They are clear about expectations, both for the work goals and for how things should be done. • They create a fun and supportive work environment for everyone. • They tailor their approach to each person based on their assessment of each individual’s level of development. This includes a person’s competence or ability to do the job as well as their commitment or willingness. • They understand that people can be at different levels on different tasks. • They use the One Minute Manager’s techniques: goal setting in conjunction with diagnosing

See WELL-BOOKED, Page 26

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SUMMARY: In this follow up to The One Minute Manager, Blanchard and his coauthors reintroduce the fable character to explain the concept of Situational Leadership, which is leading people according to the way they need, rather than Techniques of One Minute Management according to some one• One Minute Goal-Setting. One Minute Managers size-fits-all scheme. Most are clear and concise in communicating their people need directive expectations to those they lead. It should take leadership for some

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26 November 2012

North Coast Business Journal

If Price is the Problem…What is Your Solution?
By Roger Bostdorff I am presenting this topic at the National Pavement Expo in Nashville in January. The coordinator of the show asked me if I could speak on this issue. It seems that many of the attendees are having problems protecting their margins. Evidently a very high percentage of the transactions in this industry end up being decided on price and only price. Is your company having similar challenges? Assuming you are also encountering this challenge please read on. Let’s first look at this from the buyer’s perspective. Please mentally select a product that you or your wife purchases for your home. Do you have that in mind? Since I cannot seek your input while I write this please allow me the liberty to select a couple of examples. Let’s select groceries or gasoline. If you have a Walmart close my bet is that you have on occasion purchased at least one of these from Walmart. However, if the product or service being purchased is viewed as a commodity, then price is going to be the primary driver of your decision. What is a Commodity? The word commodity is used to describe a class of goods or services for which there is demand, but which is supplied without qualitative differentiation across a market. A box of Cheerios is pretty much the same whether you buy it at Kroger, Walmart or Bassetts. By the way, that may NOT be the case relative to their service. (Please see Bassetts locally in the grocery industry for Service!!) Therefore, if you are selling a commodity, the best way to make money is to be the low cost provider. Let me emphasize that I said “cost” not necessarily “price.” Walmart has succeeded in their market by driving their COSTs down by leveraging their size, their suppliers and their distribution channel. However, unless your company is the size of Walmart and has the lowest costs, then competing on price is a losing proposition. So what do you do? How do you compete? You either have to cut your margins so low that you only can make it with a very high volume or you need to change the game. People buy by comparing the products and services associated with the product. If the only differentiator of a product or service is price you can only compete on price. As I have pointed out earlier the only winner here is the one with the lowest cost structure. Therefore, what needs to be done is to quantify other key differentiators of your offering than price. I have facilitated with many customers their SWOT (Strengths, Weaknesses, Opportunities and Threats) Analysis. When we discuss their strengths, many times I get things like Customer Service, Quality and Responsiveness. These are all excellent qualities of a company’s product or service. However, can you envision your competitors suggesting that they provide bad Customer Service, Quality and Responsiveness as compared to your company, of course not? The question is how do you differentiate? What are your competitive advantages? How do you substantiate your claims? The ground rules for outlining these differentiators as I call them or your competitive advantages as defined by J. Smith in her book “Creating Competitive Advantage” are as follows: 1. It needs to be objective not subjective 2. Quantifiable, not arbitrary-We have great customer service, 95% of our business comes from referrals. 3. Not already claimed by the competition 4. Not a cliché-Don’t tell me you exceed customer expectations. How do you know what these expectations are? How is your business? Are margins down? Do you have some new wrinkles in your sales message that is different than last year? If you do things the same way going forward you will probably get the same or similar results. Is that what you are looking for in 2013? Or, are you and your team able to enunciate your Differentiators/Competitive Advantages? Seems to me that no matter what industry you are in unless you run the Walmart of that industry, you might want to invest some time-first identifying your competitive advantages and then figuring out a way to communicate these to your current customers as well as your prospective customers. The other alternative, assuming you have plenty of margin left is to continue to give it away! 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. He is also available for business speaking engagements. You can find more regarding B2B Sales Boost on the web at or calling 419351-4347. If you would like to receive the B2B Sales Boost Newsletter please send an email to

Cellular Central/Verizon Wireless Ribbon Cutting in Oak Harbor

WELL-BOOKED, from Page 25
level of development, praising for teaching competencies, and reprimands for attitude/ commitment adjustments. • Rather than telling their staff what to do, they show them, then let them try it for themselves. They observe performance and praise progress. This process will eventually allow the leader to move to a less directive or supportive style. Four Basic Leadership Styles • Directing: high supervision, controlling, structured, used with enthusiastic beginners, and people who want direction. • Coaching: characterized by a high degree of direction but also is very supportive. It is used primarily to help an employee who has become disillusioned or has lost their commitment. • Supporting: requires much listening and facilitating others to be involved in problem-solving and deciding. It is used to build up motivation and confidence in those who are competent at the tasks they are assigned. • Delegating: reserved for people who are experienced and good at what they do, when their commitment is high enough to be left to the task at hand. Cathy Allen celebrates her lifelong love of books at www. She invites visitors to download her two-page summaries, comment on her blog or connect to a fabulous network of independent booksellers.

Pictured L to R: Andrew Reynolds-Regional Manager, Jon Ransom-Account Executive, Zach Boling-Store Manager, Demonta Henry-Account Executive, Monica Amstutz-Account Executive, Fred Conley-Mayor of Oak Harbor, & Valerie Winterfield-Executive Director of Oak Harbor Chamber of Commerce.

North Coast Business Journal

November 2012


Human Resources
Submitted by Steven J. Krisfalusy Every small business has key employees that are potential risk factors to the business if they leave. This risk factor is even more highlighted when the economy is not doing well or the company itself is experiencing difficult times, like the loss of a major customer. Too often owners/executives are well aware of these people and the risks associated, but often do very little to manage and control the risk to the business. The fear of losing that employee, and not starting the process of reducing the risk, creates a synergy in the wrong direction – down. This scenario usually leads to living with lower performance than should be expected. This is a more common scenario than most realize. You are not alone! You should realize & acknowledge that by not addressing these issues (so you don’t stir things up) actually increases the risk versus reducing it. The employee sooner or later becomes aware of those concerns and in many cases uses it to manipulate the owner, the business and even drive other good employees away. This is not an easy situation to change. The employee likes the feeling of power & control and will resist any major changes to their comfort zone. The usual solution that many businesses pursue is to throw more money at them which ends up never being enough. This scenario often starts a death spiral where there is no win for anyone. If you live with this behavior more internal & cultural problems mount and grow into greater problems. You don’t sleep as well and they rarely go away by themselves. You are simply waiting for the shoe to drop. Usually when you recognize what is actually happening, the scenario is already well on its way. At the same time something should be done to start managing or reducing those risks. So what can you do to reduce or minimize the risks? One of the best steps is to incorporate a semi-annual review program that not only will measure performance but it will also help to better manage & coach an individual(s) behavior. Having a review program that is more focused on personal development than compensation will set the stage for improvement. An annual revue program tends to be less effective due to the long 12 month gap. A more effective review program should be scheduled or conducted every 6 months with no direct compensation connected. Within that program your review summary should include action items that need follow up over the next 2- 4 months. This will keep the primary issues on the radar screen longer and will allow you to more gently change the behavior, if it can be changed at all. That is a whole other topic if it can’t be. The employee will also feel less targeted if it is companywide and it can then become part of your culture versus an annual event that no one really looks forward to. The content or line items reviewed are another key component. By incorporating categories such as various behavioral traits, communication skills, quality and interaction with internal (other employees) & external customers, will enable you to have a more open dialog with the employee about sensitive issues in a less confrontational manner. The second best step is to implement a cross training program. This will enable you to reduce the risk to the business and enhance other people’s responsibilities. A good way to kick this tactic off is to wrap it around the concept of cross training so we can all take a vacation. Keep your eyes open though for resistance from the key employee once they realize their power & control over a given situation is being reduced. As you can see, this is not a good situation but there are solutions. By focusing on the big picture of the business and even the livelihood of other employees you will more easily “stay the course” and achieve one result or another. The difference will be that you will have more control of timing. “Nothing changes unless something changes.” Managing Partner, Human Resource/ Business Divisions, SJK Beringer Group, Inc. “Managing Business and Controlling IT”

On The Move
The Citizens Banking Co. is pleased to announce the addition of Jessica Martin Steuk to their Wealth Management & Select Banking team. She will assist Phyllis Bransky with servicing Citizens' private banking clients. Steuk graduated from the University of Michigan with a BBA, worked for Automatic Data Processing for seven years and owned her own business for 13 years. She resides in Huron with her husband Bill and their four children.

Employee Risk vs. Performance Steuk Joins Citizens

Employee Buys GSE Jewelers
An employee has purchased GSE Jewelers and will keep the store open at the Knoll Crest Plaza, east of Port Clinton. Emily Baumert, an 11-year employee of the company, bought the store Oct. 1 and renamed it Emily’s GSE Jewelers. The 1998 Oak Harbor High School graduate’s opportunity for ownership arose when former owners Roger and Linda Velliquette decided to close the store after 25 years in business. “I look forward to working with our established clientele and hope to reach a whole new generation of customers as well,” said Baumert, who carries the title of JA Certified Sales Professional through the Jewelers of America organization.

28 November 2012

North Coast Business Journal

Firelands Regional Medical Center Receives Number One Ranking in Ohio in Spine Surgery Outcomes
also in top state rankings For

orthopedic surgery


Vascular surgery
2005-2013) • Ranked Among the Top 5% in the Nation for Vascular Surgery in 2013 • Recipient of the HealthGrades Vascular Surgery Excellence Award™ for 4 Years in a Row (20102013) • Five-Star Recipient for Vascular Surgery for 3 Years in a Row (2011-2013) • Five-Star Recipient for Carotid Surgery for 9 Years in a Row (2005-2013) • Five-Star Recipient for Peripheral Vascular Bypass for 3 Years in a Row (2011-2013) Firelands Regional Medical Center, together with the Neurosurgeons, Orthopedic Surgeons and Vascular Surgeons on Medical Staff of Firelands Regional Medical Center achieved these high quality rankings. “What this means to the patients of Firelands Regional Medical Center and the patients of these surgeons is that the care they receive is performed by some of the nation’s best neurosurgeons, orthopedic surgeons and vascular surgeons at a top-rated hospital in the state of Ohio,” shares Martin Tursky, President & CEO of Firelands Regional Medical Center. “Furthermore, these awards and rankings demonstrate the team effort of the surgeons along with the therapists, nurses and surgical technicians, who provide leading edge care to their patients every day. Firelands is pleased to be able to offer nationally-rated, advanced medical care, close to home.”

Spine and vascular care at Firelands Regional Spine: Medical Center are in the top 5% in the nation • Ranked #1 in Ohio for Spine Surgery in 2013 according to a new report from Healthgrades, the (Among the Top 10 in Ohio for 8 Years in a Row, leading provider of information to help consumers 2006-2013) make an informed decision about a physician or • Ranked Among the Top 5% in the Nation for hospital. Firelands was in the top 5% in the nation Spine Surgery in 2013 for spine (#1 in the State of Ohio) and vascular • One of HealthGrades America’s 100 Best surgery outcomes (#4 in the State of Ohio), and in Hospitals for Spine Surgery™ in 2013 the top10% in the nation for overall orthopedic • Recipient of the HealthGrades Spine Surgery outcomes (#4 in the State of Ohio). The report, Excellence Award™ in 2013 American Hospital Quality Outcomes 2013: • Five-Star Recipient for Spine Surgery for 8 Years Healthgrades Report to the Nation, evaluates how in a Row (2006-2013) approximately 4,500 hospitals nationwide • Five-Star Recipient for Back and Neck Surgery performed on risk-adjusted mortality and (except Spinal Fusion) in 2013 complication rates for nearly 30 of the most • Five-Star Recipient for Back and Neck Surgery common conditions treated and procedures (Spinal Fusion) for 8 Years in a Row (2006-2013) performed from 2009 through 2011. Orthopedic: • Ranked #4 in Ohio for Overall Orthopedic “Firelands Regional Medical Center recognizes Services in 2013 (Among the Top 5 in Ohio for that hospital outcomes and complication rates are 4 Years in a Row, 2010-2013) important in the eyes of consumers making choices • Ranked Among the Top 10% in the Nation for today about their healthcare,” says Patty Martin, Overall Orthopedic Services in 2013 Vice President of Quality & Patient Satisfaction at • One of HealthGrades America’s 100 Best Firelands Regional Medical Center. “These awards, Hospitals for Orthopedic Surgery™ in 2013 ratings and rankings are important to the • Recipient of the HealthGrades Orthopedic community because it is based on actual quality Surgery Excellence Award™ in 2013 measures, outcomes and surgical results, including • Five-Star Recipient for Overall Orthopedic mortality and complication rates.” Specifically, Services for 4 Years in a Row (2010-2013) Firelands Regional Medical Center received the • Five-Star Recipient for Hip Fracture Treatment following HealthGrades 2013 awards, ratings and for 4 Years in a Row (2010-2013) rankings: Vascular: • Ranked #4 in Ohio for Vascular Surgery in 2013 (Among the Top 10 in Ohio for 9 Years in a Row,

On The Move
Croghan Colonial Bank Continues To Grow In Tiffin
Tiffin, Ohio – Rick M. Robertson, President and Chief Executive Officer of The Croghan Colonial Bank, is pleased to announce the hiring of an experienced lending team that will be dedicated to serving Tiffin, Seneca County and the surrounding markets. “Adding John Kerschner and Brian Bower to our Tiffin team is very exciting,” says Robertson. “Both are talented bankers with strong local connections to Tiffin.” Brian P. Bower was hired on August 31, 2012 as a Real Estate Loan Originator. Brian is a native of Tiffin, with over 14 years of BOWER banking and mortgage lending experience. Since December 2010, he has served as the Regional Sales Manager of Mortgage Lending for US Bank out of Fremont, Ohio. Prior to joining US Bank, he worked for Fifth Third Bank as Assistant Vice President of Mortgage Lending from October 2005 until December 2010 and was the leading mortgage lender in Seneca County for five consecutive years. Bower holds a Bachelors and a Masters Degree in Business Administration, both from Tiffin University. He and his wife, Danielle, live in Tiffin with their three children. John M. Kerschner was hired on KERSCHNER September 4, 2012 as Vice President/Commercial Loan Officer. He is also a native of Tiffin and has over 11 years of banking experience. Since December 2007, he has served as the Vice President of Commercial Lending and the Vice President of Credit Administration for First National Bank of Gulf Coast in Naples, Florida. Prior to joining FNB, Kerschner worked for Fifth Third Bank in Business Banking and as the District Manager for Retail from September 2001 until December 2007. Born and raised in Tiffin, he attended St. Mary’s Elementary School and is a graduate of Tiffin Calvert High School. He holds a Bachelor of Science Degree in Finance from The Ohio State University. John, his wife Shelley and their two children have relocated back to the Tiffin area from Bonita Springs, Florida.

North Coast Business Journal

November 2012


30 November 2012

North Coast Business Journal

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Job #: J12-00731
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Creative Director (Art) Creative Director (Copy) Account Executive Mac Supervisor Mac Operator

North Coast Business Journal

November 2012


Strayer Named Fisher-Titus EVP
Lorna Strayer of Milan was recently named executive vice president of FisherTitus Medical Center, according to Patrick J. Martin, Fisher-Titus president. In this role, Strayer is responsible for ongoing coordination and development of key hospital functions that impact institutional and community health needs. As executive vice president, Strayer manages various departments including rehabilitation, radiology, laboratory, industrial

On The Move
industrial health services, assistant vice president of rehabilitation, vice president of business development and rehabilitation and senior vice president of administration and business development. Strayer earned a master of business administration in applied management from Indiana Wesleyan University in 2011. Strayer also has a bachelor of arts degree and a master of arts degree in speech language pathology and audiology from The Ohio State University. Strayer is very active in numerous community and professional organizations.

health, environmental services, maintenance, dietary services, materials management, and marketing and public relations. She also oversees and implements facility development projects. “Strayer has been with Fisher-Titus Medical Center for 27 years and has continuously expanded her responsibilities and duties to provide successful results in projects and activities that she has become involved in,” said Martin. Strayer joined Fisher-Titus in 1985 as a certified speech-language pathologist. During her tenure, she has served as director of rehabilitation and

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32 November 2012

North Coast Business Journal

Since 1918, Memorial Hospital has been dedicated to serving the local community through its mission, which is to continually improve the health and quality of life for the individuals and families in the communities we serve. Memorial Hospital provides essential services that help fulfill this mission each year.

Over 150 physicians on staff, with more than 100 specialists 13 bay Emergency Department, completely renovated in 2010 Auxiliary of Memorial Hospital Women’s Diagnostic Center, opened in 2010 Weitzel-Kern Surgery Center, opened in 2001 Herbert-Perna Center for Physical Health, opened in 2007 Inpatient obstetric and pediatric care Nationally recognized and accredited home health, hospice and diagnostic imaging services

In Our Community
QUALITY CARE Emergency Department Visits:...........21,921 Inpatient Admissions: ......................... 2,290 Inpatient/Outpatient Visits: .............. 86,486 Surgery Patients: ................................ 2,582 Lab Tests: ....................................... 282,212 Physical Therapy Treatments: ..........115,091 Diagnostic Imaging Procedures: ....... 41,828 Pain Management Patients:...............12,341 Home Health Visits: ............................ 8,608 Hospice Visits:................................... 12,359 HealthLink Visits: .............................. 11,968 COMMUNITY INVESTMENT Mobile Meals:................................... 16,996 Total Volunteer Hours: ...................... 27,424 Total Payroll and Benefits:........$32.5 Million







Charity/Uncompensated Care:.... $16.2 Million Capital Investments: ..................$2.7 Million Utility Payments: .......................$1.1 Million Dollars Spent Locally: ..............$10.4 Million

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