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Fairlawn Area Chamber of Commerce Newsletter • October/November/December 2015
the
October General Meeting / Luncheon
Monday, October 12, 2015
Hilton Akron/Fairlawn - 3180 W. Market Street
11:00 a.m. Networking • 11:40 a.m. -1:00 p.m. Luncheon
Speaker: David Morgan
RSVP by October 8th to: 330-777-0032
Federal Bureau of Investigation
or [email protected]
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Special Agent (SA) David Morgan graduated from Tennessee Tech University in
1992 with a BS in Mechanical Engineering and worked for 6 years as an Engineer
for companies in Alabama and Tennessee. In 1996, SA Morgan joined the Federal Bureau of Investigation and was initially assigned to work Oversees Terrorism
investigations in the Washington DC Field Office. During that time, SA Morgan
investigated aspects of the Kobar Tower Bombing in Saudi Arabia and American
Embassy Bombing in Nairobi, Kenya. Later, SA Morgan was transferred to work Cyber Crime Investigations including an espionage investigation involving the United States Department of State.
After transferring to the Cleveland Division in May of 2000, SA Morgan continued to work Cyber Crime
Investigations and later White Collar Crime Investigations. In December of 2007, SA Morgan was
appointed as the Supervisor of the Financial Crimes Squad with responsibility for investigations such
as bank fraud, securities fraud and corporate embezzlements. In November of 2011, SA Morgan was
appointed as the Supervisor of the Cyber Crime Squad responsible for computer
intrusion investigations related to counterintelligence, international terrorism and
criminal enterprises. In April of 2014, SA Morgan was tasked with heading the
Canton FBI Office. In that position, SA Morgan has oversight on investigations
occurring in Ashland, Carroll, Crawford, Holmes, Marion, Richland, Stark, Tuscarawas, Wyandot and Wayne Counties in Ohio. In 2015, after completing a 7
year term as Supervisor, SA Morgan returned to case work and is now assigned
to the Akron office of the FBI with primary responsibilities of Public Corruption
and White Collar Crime.
November General Meeting / Luncheon
Monday, November 9, 2015
Hilton Akron/Fairlawn - 3180 W. Market Street
Speaker: Daniel Flowers
11:00 a.m. Networking • 11:40 a.m. -1:00 p.m. Luncheon
President & CEO
RSVP by November 5th to: 330-777-0032 or
[email protected]
Akron-Canton Regional Foodbank
Dan Flowers has been the President and CEO of the Akron-Canton Regional Foodbank since 2003. During his tenure, the Foodbank has experienced significant growth,
distributing more than 26 million pounds in 2014.
Under his leadership, the Akron-Canton Regional Foodbank became the 2012 Foodbank of the Year, the highest recognition achievable by food banks across the nation. Most recently, the
Foodbank was recognized as one of Northeast Ohio’s best places to work. Dan is currently Chairman of
the Ohio Association Foodbank’s Board of Directors. He is also a member of BVU:
Center for Non-Profit Excellence Board of Directors, the Better Business Bureau Board
of Directors, and the Development Fund of the Western Reserve Advisory Board. Dan
is also a proud graduate of Leadership Akron Class XXII. Prior to moving to Ohio,
he was employed by the Northrop Grumman Company as Director of Administration
for the federally funded Job Corps Center in Flint, MI.
Dan resides in Akron with his wife, Holly, and their three children, Andrew, Jonathan ,
and Mary. He attends Rootstown Community Bible Church where he and his wife run
the church food pantry. Dan is an avid reader, runner, video gamer, and martial artist
(holding a black belt in Tae Kwon Do and a white belt in Brazilian Jiujitsu)
Honoring our non-profit members today! (If you are a non-profit, please reserve your
FREE display table for this luncheon ASAP! Email [email protected] to
reserve your table.
Holiday Auction - Monday, December 14, 2015
Page 2 • Fairlawn Area Chamber of Commerce Newsletter • October/November/December 2015
2015-2016 Board
Missy Klein
OPEN M
Tom Green
Kastner Westman
& Wilkins, LLC
Amy Holbrook
Premier Bank &
Trust
Wednesday, October 7, 2015
After 5
Networking Extravaganza
5:00 p.m. - 7:00 p.m.
OPEN M
941 Princeton Street
Akron, OH 44311
Monday, October 12, 2015
General Meeting / Luncheon
(Details front page)
Tuesday, October 13, 2015
Holiday Auction Committee Meeting
8:30 am – 9:30 am
Stewart’s Caring Place
2955 W. Market Street, #R
Fairlawn, OH 44333
Tuesday, October 13, 2015
After 5
5:30 p.m. - 7:00 p.m.
5th Third Bank & Dave’s Cosmic Subs
3640 W. Market Street
Fairlawn, OH 44333
Thursday, October 15, 2015
Membership Committee Meeting
8:30 am – 9:30 am
Stewart’s Caring Place
2955 W. Market Street, #R
Fairlawn, OH 44333
of Directors
Todd Kennedy
Levin Swedler
Kennedy
Lori Drugan
Gallery of Framing /
Art Gallery
Brad Lubinger
Town Planner
David Pelland
Bear / Pelland
Associates
Eileen Sass
SASS Accounting
Services
Leslianne Lake
Old Carolina
Barbecue
Monday, November 9, 2015
General Meeting / Luncheon
(Details front page)
Tuesday, November 10 & 17, 2015
Holiday Auction Committee Meetings
8:30 am – 9:30 am
Stewart’s Caring Place
2955 W. Market Street, #R
Fairlawn, OH 44333
Lisa Gould
John Dellagnese
& Associates, Inc.
Terry Meinen
Primerica
Polly Riffle
Executive Director
Tuesday, December 1 & 8, 2015
Holiday Auction Committee Meetings
8:30 am – 9:30 am
Stewart’s Caring Place
2955 W. Market Street, #R
Fairlawn, OH 44333
Thursday, November 12, 2015
Membership Committee Meeting
8:30 am – 9:30 am
Stewart’s Caring Place
2955 W. Market Street, #R
Fairlawn, OH 44333
Wednesday, November 16, 2015
Before 9
7:30 am – 9:30 am
Brown Mackie College
755 White Pond Drive, Suite 101
Akron, OH 44320
Now
rsvp
HOLIDAY AUCTION
MONDAY, DECEMBER 14, 2015
No other activities for
the month.
Enjoy the holidays!
Your reservations are important to us!
Please call the chamber at
330-777-0032 or email to
[email protected] for all events!
Page 3 • Fairlawn Area Chamber of Commerce Newsletter • October/November/December 2015
from
the
The Evolving Scope of
Discrimination “Because of Sex” –
What Employers Need to Know
president
Greetings Membership,
As summer comes to a close it is my hope that you all
enjoyed the warmer months and were able to spend
time with family and friends. The end of summer
marks the beginning of some important events with
the Fairlawn Area Chamber of Commerce. Although
Christmas is in the near distance the Holiday Auction Committee will begin
meeting and the planning process of our biggest event. Becoming involved
with this committee is a great way to get involved with our chamber, keeping
in mind that a portion of the proceeds from the auction are donated back to
various non-profits that are members of the FACC. Please consider donating
your time or an auction item to help us continue to give back to such a
wonderful community! Contact the FACC Executive Director Polly Riffle for
more details on how to become involved.
Mark your calendar for the November membership meeting showcasing our
non-profits where we will have the Akron-Canton Foodbank CEO, Dan Flowers
as our guest speaker. Also, keep an eye out for the upcoming Before 9’s
and After 5’s that are organized by Terry Meinen who always does a terrific
job scheduling and showcasing your businesses and for the upcoming Speed
Networking that is organized by Brad Lubinger. Being a member of the
Fairlawn Area Chamber has many perks.
As the year comes to a close I wish you all a happy and healthy holiday season
and if you have any suggestion or questions regarding the Chamber, please
feel free to contact me.
Neither Ohio nor federal law, at least explicitly, prohibit
discrimination on the basis of sexual orientation, gender
identity, or transgender status. Even so, the U.S. Equal
Employment Opportunity Commission (“EEOC”) has endeavored to expand the
protection of federal employment discrimination laws to these groups by interpreting
“sex discrimination” broadly.
Since 1989, the Supreme Court has interpreted “sex discrimination” to include
discrimination against an employee who fails to conform to stereotypical gender
norms. In December 2012, the EEOC took it a step further, announcing that one of
its top enforcement priorities is “coverage of lesbian, gay, bisexual and transgender
individuals under Title VII’s sex discrimination provisions, as they may apply.” This
announcement, coupled with the EEOC’s recent enforcement practices, makes clear
that the EEOC intends to expand the current scope of sex discrimination to cover
discrimination based on sexual orientation and transgender status, regardless of
whether an employer has engaged in sexual stereotyping.
In furtherance of that objective, in July 2015, the EEOC issued a decision finding that
discrimination on the basis of sexual orientation is always sex discrimination and,
therefore, unlawful in all contexts. This particular decision only applies to federal
government employees, but the EEOC has pursued litigation against at least two private
employers on the same grounds.
This development has far-sweeping implications for employer practices from antidiscrimination policies, to employment applications, and dress codes. Employers would
be best served by reviewing those policies and practices with legal counsel sooner
rather than later.
Tom Green,
OSBA Certified Specialist in Labor & Employment Law,
Kastner Westman & Wilkins, LLC
Cheers
Overcoming Procrastination with Positive Actions
What does it look like to be crowned the King or Queen of BUSY? In today’s fast-paced world, many consider being busy as the rite of passage
in order to get ahead. But does it really have to be that way?
Let’s look at what being such a king or queen of busy entails:
• So do you start and stop a task – pick it up, put it down with 17 different tasks on your list and never get any of them done?
• Do you volunteer at school, church, community or work because you just know no one else will do the job?
• Do you have your kids in afterschool activities 5-6 days a week?
• Is technology controlling your life?
It has been estimated that the tendency to start and stop a task – to pick it up, put it down, and come back to it – can increase the time necessary to complete the task
by as much as 500%!
When you prepare thoroughly and then begin, REFUSING to stop or turn aside until the job is done, you develop ENERGY, ENTHUSIASM, and MOTIVATION. You get better and
better and more productive. You work fast and more effectively. Another words, you’re eating that big frog.
Elbert Hubbard, author of A Message to Garcia, defined self-discipline as the “ability to make yourself do what you should do, when you should do it, whether you feel like
it or not.”
The Great Question to Ask Yourself Today
What one skill, if I developed and did it in an excellent fashion, would have the greatest positive impact on my career and personal life?
Practice creative Procrastination – Everyone procrastinates! Since you must procrastinate anyway, decide today to procrastinate on low-value activities (Obligations) –
outsource, delegate and eliminate those activities that don’t make much of a contribution to your life. Get rid of the tadpoles and focus on the FROGS!
These are just a few snippets from Brian Tracy’s book, Eat That Frog, which is packed full of great ideas and common sense ways to get your life back in balance.
It would be my pleasure to help you and your team DARE to CHANGE!
Chris Schroeder
LIFE Leadership Independent Member
330-603-0428 – Stow, Ohio
www.lifeleadership.com/61326651
Page 4 • Fairlawn Area Chamber of Commerce Newsletter • October/November/December 2015
membership
Sandra Armbruster
My Massage Place
330-573-5804
Gina Caniglia
Ohio Savings Bank
330-836-9547
Lori Drugan
Gallery of Framing
330-835-3046
Chris Fulton
Herbalife
330-607-5943
committee
Dale Hansen
Family Hearing &
Balance Center
330-644-1932
Justyn Jaymes
Weathervane Playhouse
330-836-2626
Bethany Kohler
Tupperware Consultant
330-697-0773
Farmers Insurance /
Hyre Insurance Agency
Ronald Hyre
275 Graham Road, Suite 6
Cuyahoga Falls, OH 44223
330-818-7599
330-777-4417 (Fax)
[email protected]
www.farmersagent.com/rhyre
Insurance
Dave’s Cosmic Subs
Brittany Roberts
3750 W. Market Street, Suite G
Fairlawn, OH 44333
330-665-3900
[email protected]
Restaurant
Bunny Lacey
Akron Life Magazine
330-253-0056 ext 110
Karen Leonard
Innovative Global Vision
330-425-0922 ext 112
Kelly Kennedy
AdvoCare
330-329-5138
Chris Schroeder
Life Leadership
330-603-0428
Elaine Neumann
Elaine R. Neumann Interiors
330-388-3623
Jan Seymour
Welcome Basket Associates
330-867-9193
Laura Palmer
Weigh 2 Wellness, Ltd
330-701-0734
Margaret Tournier
21st Century Financial
330-668-9055
Debbie Reiss
G.A.S.P.
330-247-1402
Trish Goodin-Yard
Mary Kay Cosmetics
330-310-4221
Tom Majka
Business-Right, Inc.
330-606-1193
Cole Co., L.P.A.
Steven Fannin
863 North Cleveland-Massillon Rd
Akron, OH 44333
330-666-5500
330-665-5722 (Fax)
[email protected]
www.colelpa.com
Attorneys/Law Firms
SLG Insurance Services
Sandra Gasser
242 S. Cleveland-Massillon Rd
Akron, OH 44333
330-668-2417
330-668-2319 (Fax)
[email protected]
www.slginsurance.com
Insurance Agency
Abshire & Haylan Jewelers
Lori Decker
2073 Graham Road
Stow, OH 44224
330-689-1990
330-686-8455 (Fax)
[email protected]
Jewelers
Motivation Motivates Me
87 Greencrest Terrace
Akron, OH 44313
330-903-0982
[email protected]
www.motivationmotivates.com
Consulting
Catavolos Funeral Homes
John Kueneman
3635 W. Market Street
Fairlawn, OH 44333
330-665-1700
330-665-8958 (Fax)
[email protected]
www.catavolosfuneralhome.com
Funeral Homes
Jeremy Wanzer, DDS LLC
Jeremy S. Wanzer
544 White Pond Drive, Suite C
Akron, OH 44320
330-836-9818
330-836-2752 (Fax)
[email protected]
www.wanzerdentistry.com
Dentist
Rodan and Fields
Shawnda Boysel
4059 Sacramento Blvd
Medina, OH 44256
330-416-9440
[email protected]
www.shawndaboysel.myrandf.com
Dermatologic Skincare
KAZ Company
Sharon Honroth
155 Delaware Trail
Copley, OH 44321
330-608-1171
[email protected]
www.medicareplansneo.com
Medicare Planning
Akrochem Corporation
Jason Silver
3770 Embassy Parkway
Akron, OH 44333
330-535-2100
330-535-8947 (Fax)
[email protected]
[email protected]
Manufacturing
Terry Meinen
Primerica
330-644-9910
membership
Best Version Media
Dana Bullock
415 N. Medina Line Road
Medina, OH 44256
330-350-0216
[email protected]
www.bestversionmedia.com
Publication
Best Western Plus
John Ritchie
160 Montrose West Avenue
Akron, OH 44321
234-466-0573
888-221-9577 (Fax)
[email protected]
Hotels/ Motels
Title Boxing Club
John Swartz/Bryon Crane
Capital Business Resources, Inc. 5155 Buehlers Drive, Suite 100
Jim Dunn
Medina, OH 44256
3562 Ridge Park Drive, Suite B
330-952-2582
Akron, OH 44333
[email protected]
330-668-6000
www.medina.titleboxingclub.com
330-670-6526 (Fax)
Fitness Center
[email protected]
www.cbrtaxes.com
ITworks
Accounting Firm
Steven Taylor
275 Graham Road, Suite 6A
Cuyahoga Falls, OH 44223
330-247-2471
[email protected]
www.itworksllc.net
IT Service Company
news
New Members
New Members July
Diane Morrison, Sassy Dog; Ronald Hyre,
Farmers Insurance / Hyre Insurance Agency;
Shawnda Boysel, Rodan and Fields;
and Missy Klein, FACC President
New Members August
Lori Decker, Abshire & Haylan Jewelers; Lola Austin,
Catavolos Funeral Homes; Steven Fannin, Cole Co., L.P.A.;
Missy Klein, FACC President; Sharon Honroth , KAZ Company;
Jeremy S. Wanzer, Jeremy Wanzer, DDS LLC;
and Seth Poitinger, PRLKW & Co.
New Members September
Jim Dunn, Capital Business Resources, Inc.;
Stacey Caskey-Colbentz, SLG Insurance Services;
John Ritchie, Best Western Plus; Missy Klein, FACC President;
John Swartz and Bryon Crane, Title Boxing Club;
and Steven Taylor, ITWorks.
Page 5 • Fairlawn Area Chamber of Commerce Newsletter • October/November/December 2015
Marketing in the Holiday Season
It’s never too early for your small business to start
preparing for the holiday season. I know you’re probably
thinking, it’s only September I don’t want to start thinking
about November and December yet! But having a solid
plan in place going into the holiday season will help your
business be prepared and avoid any last minute rushing
to get ready. You want to start early so you have time to
develop your plan, create any marketing materials and
train you staff on how to handle the holiday rush. Whether you are a business-tobusiness, business-to-consumer or a non-profit it helps to start planning early
for your holiday promotion.
Whenever you create a holiday marketing plan you want to make sure that it
ties into your overall strategy. You want to make sure it is a cohesive fit with
everything else you have been doing all year. You also want to set goals and
objectives for your holiday promotion so you know how you did looking back. By
having benchmarks in place you are able to compare your seasons from year to
year and see how changes you’ve made have helped grow your business during
the holiday season.
Some simple things that you can do to help promote your business in the holiday
season are to:
• Send out a staff holiday card or email to all of your customers thanking them
for being loyal customers.
• Hold a holiday themed party or get-together for your clients so they can stop
by your office and get to know you better.
• Offer holiday based promotions such as your own version of a Black Friday
Sale, offer free holiday shipping or a discount/coupon.
• Hold holiday based social media contests like share your favorite holiday
tradition for the chance to win some sort of prize
• Send out holiday themed emails with promo codes or trackable coupons so
you can easily track how many people used the code.
Whatever promotional material you create should relate back to your brand in
some way. You can use holiday colors but make sure that you logo is present and
you use a similar font to your website so people can easily recognize your brand.
Make sure to pick a theme and stick with it, you don’t want all of your print to
one theme and everything on social media has another. You want to make sure
everything is cohesive and looks similar.
So make sure that you start planning early for this holiday season! Give yourself
an adequate amount of time to plan, create and execute your plan. Keep in mind
that most people feel that it is normal to start seeing holiday promotions in
November. Make sure that whatever plan you come up with ties into your overall
marketing strategy for the year and stays true to your company’s brand. Pick
promotions that your customers will appreciate and make sure to thank them
for being your loyal customers!
Karen Leonard
Innovative Global Vision, Inc
(330) 425-0922.
www.igvinc.com
Innovative Global Vision is a full-service digital marketing firm, specializing
in Web Design, Hosting, and Marketing & Video Productions Services.
“It is all about results”
July / August Luncheons
Page 6 • Fairlawn Area Chamber of Commerce Newsletter • October/November/December 2015
Fruits, Vegetables and Your Weight
The autumn months bring additional health and nutritional challenges. The
shorter, cooler days can make it harder to get physical activity outdoors. And
there are the looming (and calorie-packed) temptations of football party snacks,
Halloween sweets and Thanksgiving buffets. One good way to avoid those extra
Fall and Winter Produce is Here
seasonal pounds is to keep eating plenty of fresh fruit and vegetables. Apples
The cookouts, corn on the cob and fresh fruits of have a unique source of fiber that is excellent for weight control. This is fantastic
summertime may be history for another year, but there during the fall, because this is when they are harvested and why they’re so crisp
is good news for fresh-food fans. The fall harvest season and delicious.
brings a whole new assortment of delicious and heart- Other Fresh-food Benefits
healthy fresh fruit and vegetables. Apples, pears, broccoli and Brussels sprouts While grocery stores will carry an assortment of fruits and vegetables throughout
are fresh in the market – or in your garden.
the year, buying seasonal produce can take some of the strain off your wallet.
Autumn is a time to shift from the seed fruit that we eat in the summer to all the When foods are in season locally, they are usually more abundant and affordable.
nutrition-rich goodies, like the grapes and the many varieties of squash. These Buying seasonal produce may also add zest and flavor to your meals. Fruits and
fresh foods are not only tasty, but can help you feel better, get healthier and may vegetables that are in season are typically fresher and more flavorful.
protect against heart disease and stroke.
However, some canned or frozen fruits and vegetables can be just as healthy
and satisfying. Some people think frozen or canned vegetables lack nutritional
Colors of Fall
Fall brings its own color wheel of seasonal fruits and vegetables. Deep colors value, but they are usually processed at the peak of harvest so can provide
like oranges, reds, and purples are especially prominent in the cooler months. nutritional value which is similar to fresh produce. I do recommend rinsing
However, it’s important to strive for variety with your fall favorites. Don’t just have canned vegetables to remove excess sodium.
a green salad; add all different colors into the salad. More colors usually means Enjoy the football season, Halloween, Thanksgiving and Christmas Seasons. Keep
there is good nutritional value in your meal.
your focus on fruits and vegetables, and maybe there won’t be as much room in
Fruits and vegetables with color contain vitamins, minerals, fiber and your tummy for all the high calorie foods that are typical during this time of year.
phytochemicals that have different disease-fighting elements. These compounds
Laura Palmer
may be important in reducing the risk of many conditions, including cardiovascular
Weigh 2 Wellness
disease. The American Heart Association recommends at least 4-5 servings per
www.Weigh2Wellness.com / 330.701.0734
day of fruits and vegetables based on a 2000 calorie diet as part of a healthy
lifestyle that can lower your risk for these diseases.
to
your
health
Heart Rate and Exercise
Maintaining a healthy heart is one of the most important
reasons to exercise. Because the heart is a muscle,
regular exercise increases its capacity to deal with new
tasks without strain, similar to strengthening skeletal
muscles.
Your heart rate gives you an account of your body’s
responses to changes in your physical activity. It also
determines whether you’re working hard enough to get
the results you desire and if you are allowing your body enough recovery time
after your last workout (your resting heart rate will be higher than normal if not).
In order to find the best Heart Rate Training Zone for your goals and activity,
you first must calculate your estimated Maximum Heart Rate (MHR). Use this
simple formula: 220 – Age = MHR**
220 - _______ (Your Age) = __________ (Your Estimated MHR)
Now that you know your estimated MHR, use it to determine the heart rate range
in which you should be working while participating in cardiovascular exercise –
walk, run, bike, row, elliptical, stair climber, group exercise classes, etc.
Goal: Endurance Training and General Cardiovascular Conditioning
Calculate 50% to 65% of your MHR if you’re a beginner; 60% to 75% for
intermediate level exercisers; and 70% to 85% percent for experienced aerobic
exercisers.
For example, if you’re a 45-year-old beginner with no known health issues, your
MHR is approximately 175 beats per minute (bpm). Multiplying 175 by 50% and
again by 65% gives a heart rate range of 87 bpm to 113 bpm. This is a good
place to start.
Goal: Weight Loss
Use interval training to burn the most calories. Short bursts of high-intensity
exercise (80% to 85% of MHR) followed by lower-intensity recovery periods
(50% to 65% of MHR) burns more calories than exercising at a consistent level
of exertion for the same amount of time.
Calculate Your Heart Rate Training Zones
Zone
Range
(of MHR)
“Healthy Heart” 50% - 65%
“Aerobic”
60% - 75%
“Performance” 70% - 85%
Effort
Goal
Low
Moderate
High
Get fit
Get fitter
Get fast
Your HR Range
calculated (write in)
Measure Your Progress
Your heart rate can help you keep tabs on your progress. Measure your heart
rate 15 to 60 minutes after exercising and compare these numbers over time as
you get in better shape. The numbers decrease as your heart becomes stronger.
Heart Rate Monitors
A heart rate monitor is far superior to manually taking your pulse while exercising.
There are many different types of heart rate monitors available. At LifeStyles,
all of the cardiovascular machines have the ability to measure your heart rate
whether you are wearing a heart rate monitor or holding on to the heart rate
sensors located on each machine.
Keeping track of your heart rate during exercise assures that you get the most
bang for your exercise buck.
**There are more accurate methods available to determining your Maximum
Heart Rate and your Heart Rate Training Zone. See an Exercise Specialist or
Personal Trainer to learn more.
Special Note to People Taking Blood Pressure Medication
If you are taking a beta blocker to control high blood pressure, the medication
may prevent the increase in heart rate that typically occurs with exercise.
This means that it might not be possible for you to reach your target heart
rate — the number of heart beats per minute you should have to ensure you’re
exercising at the proper intensity level. No matter how hard you exercise when
taking a beta blocker, you may never reach your target heart rate. However,
being unable to reach your previous target heart rate doesn’t mean you’re not
getting cardiovascular benefits from exercise. See an Exercise Specialist or
Personal Trainer for assistance in determining your exercise heart rate.
Justin Berthiaume
Membership Manager for Akron general LifeStyles
Contributions by:
Laurie Cingle, M.Ed, ACSM, NASM, Group Fitness Manager, LifeStyles
Page 7 • Fairlawn Area Chamber of Commerce Newsletter • October/November/December 2015
How to Build a Better Budget
More than half of Americans say they don’t have a
personal budget, and nearly 40% report that they live
paycheck to paycheck.* While it might seem like a chore
to track all your accounts and purchases, you could be
taking unnecessary chances with your standard of living
if you don’t.
Purchases aren’t the only place to look for savings. Review the interest rates on
each of your credit cards and, if possible, transfer balances to lower-rate accounts.
Likewise, refinancing your mortgage to take advantage of low interest rates may
save you hundreds of dollars a month.
Save for Emergencies
An unexpected medical bill or house repair can quickly throw a wrench into a
budgeting plan. Prepare for these unforeseen setbacks by building an emergency
fund large enough to cover living expenses for three to six months. This can help
How can you keep tabs on your spending and maintain buffer your finances if a catastrophe strikes. Review your budget to see how much
an accurate view of where you stand with your personal finances? Online tools are you can comfortably allot to an emergency fund each month.
a great place to start. They can make the budgeting exercise easier while helping
Set Up Automatic Transfers to Your Savings Account
you build confidence and personal satisfaction in the process.
Once you have a savings target, set up automatic transfers from your paycheck to
Tally Your Expenses
your savings account — and make sure you don’t dip into those funds to pay for a
You have easy access to a range of personal finance and budgeting tools to dinner out or a spontaneous weekend getaway. For instance, don’t let a destination
smooth the process. Before using any of them, start by understanding the basics wedding knock your budget off track. Perhaps your best friend is getting married
of budgeting.
in a vineyard three states away — or at a tropical resort an airplane ride away. If
As a first step, add up everything you spend in a month. You can come up with you’re hoping to attend, make sure you plan for it the way you should for any other
your own ledger or use Wells Fargo’s Budget Watch. These tools pull data directly vacation: carefully and ahead of time.
from your checking, savings, credit card and brokerage accounts. That allows you The work you do now to build a sustainable budget will likely pay dividends. You’ll
to quickly sort your spending into categories — from groceries to health care manage your day-to-day finances better and free up financial resources to pursue
— to create a more comprehensive and accurate picture of where your money long-term goals such as retiring comfortably or helping fund a child’s education.
is going. Divide your monthly spending into two categories: necessities, such as
rent, groceries and utilities; and discretionary costs, such as entertainment and * National Foundation for Credit Counseling, “The 2012 Consumer Financial
Literacy Survey,” 2012, http://www.nfcc.org/newsroom/FinancialLiteracy/
shopping.
files2012/FLS2012FINALREPORT0402late.pdf.
Next, total up your monthly income, including paychecks, investment proceeds and
any other earnings. Then subtract your monthly expenses from this figure. If you’ve
This article was written by Wells Fargo Advisors and provided
got money left over, pat yourself on the back. If you’re in the red, proceed directly
courtesy of Michele Gensel, Senior Vice President Complex Manager
to the next step.
in Akron, OH at 330-668-7735.
Adjust Your Spending
Categorizing your monthly expenses may lead you to rethink your spending habits.
For example, you may find that frequent restaurant dinners are siphoning off
hundreds of dollars from your end-of-month balance. Also look carefully at other
spending decisions. Could the money you spend each month on premium cable
channels or new clothes be put to better use elsewhere?
TITLE Boxing Club is coming to Medina!
The Medina location is scheduled to open this November and will be
located at 5155 Buehlers Drive, Suite 100.
Burn up to 1,000 calories with a 1 hour, non-contact boxing and kickboxing
based total body workout. Take advantage of a “First Shot Free” class by
visiting our website at TITLEBoxingClub.com and register to reserve your
bag and receive updates on Club opening. Like our Facebook page, TITLE
Boxing Club Medina, for a chance to win a free one month membeship.
Follow us on Twitter: @tbcmedina and Instagram: tbcmedina. You can
also reserve a free class for your business (employees, clients, family and
friends) by calling Byron Crane at 330-952-CLUB(2582). Your business
will be highlighted at the club for the day and on our social media.
Investments in securities and insurance products are:
NOT FDIC-INSURED/NOT BANK-GUARANTEED/MAY LOSE VALUE
Wells Fargo Advisors, LLC, Member SIPC,
is a registered broker-dealer and a separate
non-bank affiliate of Wells Fargo & Company.
©2014 Wells Fargo Advisors, LLC. All rights reserved.
00314-05493 [93598-v1] 05/14
Page 8 • Fairlawn Area Chamber of Commerce Newsletter • October/November/December 2015
To each business that so
graciously opened your
doors to host an After 5
or an Before 9. . .
After
5
Thank You!
After 5
July 27, 2015
The Village at St. Edward
Now you can get cost savings on your health
insurance benefits usually reserved for larger
companies. How? You get the purchasing power
of the group insurance market through your
chamber of commerce membership. PLUS, you
also get access to the comprehensive care and
quality providers you’ve come to expect.
After 5
September 22, 2015
Holiday Inn
Akron West
After 5
August 11, 2015
Akron Racers
Any member that would be interested in hosting an
“After Five” or a “Networking Before Nine”
please contact the chamber office at 330-777-0032.
Call one of our health insurance agents today!
Look in your membership directory to find one.
In West Akron, Summa Health
Center at White Pond/Park
West offers easy access to:
You don’t have time to drive
miles for lab work, imaging or
other healthcare services.
•
•
•
•
•
Summa Health System’s
network of 18 health centers
in Summit and Medina
counties provide convenient,
high quality care for busy
families.
Visit summahealth.org to
learn more about services
available at other Summa
locations.
• Bone densitometry
• CT scans
General ultrasound
Digital mammography - 2D and 3D
Open MRI and MRA screenings
Walk-in laboratory
Walk-in X-ray services
Summa Health Center at
White Pond
One Park West Boulevard
Suite 130
Akron, OH 44320
(330) 873-1518
(off White Pond Drive and I-77)
excellence member
You’re busy – with kids’
sports, dance recitals,
school, family events, caring
for aging parents, chores,
work.
Call (800) 237-8662 for more
information or to make an
appointment with a Summa
physician.
circle of
Never enough hours
in your day?
Page 9 • Fairlawn Area Chamber of Commerce Newsletter • October/November/December 2015
Making the Most of Your
College Savings Plans
For many, the excitement of seeing a child graduate is dampened
by college tuition payments. According to the National Center for
Education Statistics, costs have doubled since 2000–2001 – a rate
most education savings plans haven’t kept pace with. Let’s look at
some strategies.
1. Upon hearing sometimes six-figure estimates for four years of
college, many parents think, “I can’t afford that” – so they don’t
save at all.
• You may not have to do it alone. According to Sallie Mae, about 35% of costs are covered
outside parents’ or students’ resources.
• Compare costs. A nearby university with higher tuition may be the better value after room
and board, meal, and transportation expenses are included.
• The popular vehicle is often the least efficient. A bank’s savings account may be convenient,
but those tend to grow slowly and with few tax benefits.
2. Not all 529s are alike.
• Almost anyone can save in a 529, and as long proceeds are used for qualified college-related
expenses, they’re tax-free.
• Check for benefits and management fees. Your state may give a tax break for investing
locally, but it may make sense to invest in an out-of-state plan with smaller fees.
• Many plans are designed to lessen market risk as your child gets closer to college, reducing
the chance a market correction will decimate your savings.
3. Apply for financial aid.
• Not all aid is need-based. By filling out FAFSA, your child can become eligible for scholarships
and grants.
• Look for savings related to your child’s development. Money for expenses your child will
outgrow, like diapers, can be applied to savings.
• By having your children contribute to costs, you’re giving them a stake in achieving a positive
educational outcome.
The best plans comprise a variety of strategies, but all experts advise against raiding your
retirement savings. I can help you create an education savings plan that works with your other
financial goals.
Article provided by Robert W. Baird & Co. for Paula R. Chesser, CSA®,
Vice President, Senior Investment Consultant of Robert W. Baird & Co., member SIPC.
| 330-664-5500 | 877-792-7868 | [email protected]
Do you want to SOLVE the skin issues you see when you look in the
mirror?
My name is Shawnda Boysel. Let me introduce to you RODAN AND
FIELDS, comprehensive CLINICAL GRADE skincare created by world
renowned dermatologists Dr. Katie Rodan and Dr. Kathy Fields, solving
90% of skin issues you and I deal with every day.
My background of 14 years of care in the medical field, 4 years
exclusively serving breast cancer patients, put me in the privileged
position to be asked hundreds of times, “What can I use for my skin?”
It always grieved me that I had no real answer to offer those who dearly
needed real solutions for their skin.
Rodan and Fields Multi-Med*Therapy philosophy is all about skin
transformation. When you combine the right medicines, in the right
formulations, in the right order and use them consistently, you can achieve
real results-for life.
These Doctors have given my patients, and any one with skin, the
answer to their needs. There has never been clinical grade skincare
available without prescriptions or doctor office fees!
We have dermatological RNs on call, and an exclusive Solution Tool to
bring customized recommendations from our Doctors to everyone.
Please contact me today! Let’s get you started towards the best skin of
your life!
Choosing a Great Trustee:
The Part of Estate Planning that Everyone Forgets to Care About
Many people use trusts to avoid the costs and expenses of a probate proceeding, organize
their affairs, and to take advantage of favorable tax planning. Trusts can also be an
excellent way to exercise control over the use of your assets long after you are gone.
Instead of creating a windfall for your designated beneficiaries, a trust allows you to
stipulate rules and requirements that must be met before the trust assets are distributed.
Along those lines, it’s important to remember that rules are only as good as the person who
enforces them. As you prepare your estate plan you should take as much time choosing
the trustee as you do crafting the terms of the trust itself. Failing to carefully choose the
trustee could trigger some major problems. Let’s look at two common missteps.
Choosing someone who is already busy – Serving as the trustee of a trust is something that takes significant time and
effort, even in the best of circumstances. After you have passed away your trustee spends numerous hours consulting
with attorneys, accountants, and financial advisors. Their trustee to-do list will find them visiting banks, parsing through
paperwork, taking care of real estate, and distributing your personal items – just to name a few.
If you designate an individual who already has a full plate of responsibilities then the additional task of serving as trustee
could be a significant burden. The administration of a trust can often take more than a year and involves accepting some
legal liability. Just because a friend or relative is capable doesn’t mean that they are actually able to handle your affairs.
Taking sides in a tense family setting – Trusts can be an excellent way to deal with sticky family situations. People
routinely use trusts to plan for special needs beneficiaries, second families, and “problem children”. A trust with this
design can create a natural tension between the parties that are involved. It is a bad idea to choose an individual trustee
who is in one camp.
For example, let’s imagine a trust is designed to benefit a second spouse as well as children from a first marriage. If you
select the second spouse as the trustee then the children are likely to complain that too much of the trust was distributed.
Inversely, if you choose one of the children, the second spouse might not receive the distributions that he or she would
otherwise be entitled to.
The same problems can arise even in a traditional family setting. How many sibling rivalries have begun over allegations
of unfair behavior when settling an estate? Help everyone involved by not taking sides.
Solution: Appoint a third-party trustee – The best way to avoid the pitfalls of selecting a family member as a trustee is
to name a qualified, third-party trustee. A bank trust department can provide the solution that you are looking for.
The staff is experienced in making the complex legal, investment, and tax decisions that are most beneficial to your trust.
The bank will see the administration of your trust as a full-time responsibility, not the part-time burden that some family
members might. The bank is equipped to make fair, impartial decisions associated with the distribution of the trust assets.
Unlike an individual trustee, any move that the bank makes is regulated and approved by regulatory bodies, ensuring an
added layer of financial security.
There is no question that most family members would be excited to learn that they are
listed as one of the trust beneficiaries. The reality of today’s day and age is that most family
members would be equally relieved to see that someone else is responsible for doing the
leg work while they get the check. Why not provide your beneficiaries with the peace of
mind knowing that a professional trustee is taking care of your affairs.
For more information on choosing a trustee, contact Bill Flemm at 330-849-2822 or visit
us at www.mypremierbankandtrust.com.
September Luncheon
Page 10 • Fairlawn Area Chamber of Commerce Newsletter • October/November/December 2015
The Hyre Insurance Agency is a Farmers Insurance and Financial
Services agency. Your one solution for personal and commercial
insurance needs, offering both individual and group policies. Beyond
your typical auto and home insurance - we provide coverage for boats,
motorcycles, 4-wheelers, golf carts, dune buggies, campers, and more!
Commercially our policies have your business covered with numerous
endorsements you probably have not thought of. An added bonus
with our optional EPLI endorsement is a Human Resource portal.
This portal has templates and advisors to help with handbooks,
applications, and other important HR compliancy issues. Helping you
have a HR department without the need for the additional staffing.
In addition to insurance products we also offer financial services
products*. Offering Traditional IRAs, Roth IRAs, 401(k)s for both
your business and rollovers, 529 College Savings Plans, Indexed &
Variable Annuities, and Variable Universal Life Insurance. We do
not charge any planning or advisor fees when helping you or your
business with these products.
We treat our Clients like Family, and our Family like Friends.
Hello, my name is Lori Decker. I am
the store manager at Abshire and Haylan
Jewelers. We are located at 2073 Graham
Road in Stow, OH near the north east corner
of route 91 (Darrow road) and Graham road.
I have been part of this established family
business since 2001 where the owners of
Executive Coin Company (previously at
Graham and Fishcreek in the Oregon Trails
Plaza) purchased the land and built a beautiful 11,000 square foot
building hence the start of their jewelry store Abshire and Haylan.
We are a full service fine jewelry store that offers new and estate
jewelry, custom design by our award winning jeweler along with the
area’s best repair and restoration work in house. We also offer pearl/
bead restringing, insurance appraisals and watch repair.
We truly love our customers and appreciate the relationships we have
established over the years. If you haven’t been to our store yet, we
welcome the opportunity to serve you with any fine jewelry needs you
have.
Phone: 330-689-1990 • Fax: 330-686-8455
2073 Grahma Road • P.O. Box 2252 • Stow, Ohio 44224
[email protected] • www.abshireandbaylan.com
Page 11 • Fairlawn Area Chamber of Commerce Newsletter • October/November/December 2015
Member benefits & discounts roster!
facc member-toAbshire & Haylan
330-689-1990
Receive a FREE simple jewelry repair (up to $25 value)
$25 value can be applied towards a higher priced repair.
Akron Racers
330-376-8188
Contact TODAY to receive buy one/get one free $7.00
stadium tickets to any 2015 Akron Racers Home Game.
Barbron Enterprises LLC / Preserving Memories
Division
330-983-9380
10% off all media conversion orders
Cleaners to the Rescue,
A division of Mature Services, Inc.
330-253-4597 ext. 123
Contact Penny Holvey for 10% discount on first-time service.
Offering private pay Home Health Aides, Homemakers and
Cleaners to the Rescue - a heavy duty cleaning service.
Familyfoto
330-618-2666
Book your child’s High School Senior Session and get 50%
off any package. Call Harvey and mention this ad.
www.facebook.com/itsallaboutseniors
www.familyfotoportraits.com
Gallery of Framing/Art Gallery
330-835-3046
Contact Lori Drugan for a 15% discount on any custom
framing project. Larger discounts may apply for those
corporate projects of ten or more pieces.
Klein’s Medical West
330-865-9000
Contact Kelley Fay to receive 10% off any regular priced
item in the store. Does not apply to an insurance billed
product. Visit us online at www.kleinsrx.com
Learning Rx
330-668-9711
Contact Steve Buie to receive a FREE Cognitive Skills
Assessment for one member of your family. ($149
value) Learning Rx is a one-on-one cognitive training
which treats the CAUSE of the learning struggle not the
symptom. Our clients range from 5 through adult.
Motovation Motivates Me
330-903-0982
Contact Alan D. Fortnoff for a free consultation.
H.C. Lobalzo & Sons, Inc.
330-666-6758
Free travel charge on your commercial food equipment
service call. A $59.00 value! Just mention FACC member-tomember benefits. We are authorized warranty servicers of
most brands of commercial food equipment. Visit
www.HCLobalzoandSons.com for a full list and pricing.
ServiceMaster by Corbett
330-864-7300
Contact Carol Gumbarevic to receive a 25% discount on all
regularly priced carpet, upholstery, & tile cleaning. Good for
Residential or Commercial.
Sherwin Williams
330-666-0362
Receive 10% off all paint purchases & ask about our
in-home or business color consultations.
Origami Owl
330-723-6167
Contact Denise Wigley for a 15% off your first order.
Schedule an Origami Owl Jewelry Bar, ear FREE product
and a bonus gift. dwigley.origamiowl.com
Pinnacle Sports
330-239-0616
Contact Lea Burn for a 20% discount off of the retail price
of all Pinnacle Sports programs, classes and birthday
parties. All you need to do is to let us know that you or
your company is a member of FACC.
PrintPlus
330-836-4239
Contact Connie to receive 15% off the regular price of all
new in-house orders.
Grand Living
330-858-7689
Refer a resident* and you both receive a $500 gift card.
*Must be a new resident. Certain restrictions apply. See agent
for details.
Greenview Assisted Living
330-819-1150
Contact Danka to learn how to qualify for $1000 for new
resident referral.
SACS Consulting and Investigative
Services, Inc.
330-255-1101 ext 305
In honor of SACS Consulting’s Silver Anniversary in 2015,
we are offering Fairlawn Chamber members a 25% discount
off any of the services we provide. Offer good through
December 31, 2015. Call us and we can celebrate together!
get
Energized!
SLG Insurance Services
330-668-2417
Receive a $10 gas card for a no obligation competitive
quote on business or personal insurnce. If you are already
an insured, receive a $10 gas card for referring a friend or
colleague.
Summit Mall
330-867-6997
Call Heather Taylor for information on the American
Express/Simon Giftcard and our bulk purchase discounts
for your business! This Giftcard has no fees after purchase
and doesn’t expire!”
Wigs N’ Things Boutique
330-864-5251
$30 off any regularly priced wig.
Send Us Your FACC
Member-To-Member
Benefits and Discount Offers!
Does your firm have a benefit or discount offer you wish to offer other FACC members?
Why not send us your firm’s benefit or discount offer, and we’ll include it on our FACC
Member-To-Member Benefits and Discounts Roster!
Please complete this
form and mail it back to:
FACC
P. O. Box 13388
Fairlawn, OH 44334
Phone at 330-777-0032 or email to: [email protected]
Homewatch CareGivers
330-668-1500
Contact Paul Bonacuse for a free in-home evaluation for
care. Mention this listing and receive $10 off of 4 hours of
personal care service.
Company Contact/Business Name/Telephone:___________________________
__________________________________________________________________
FACC Member-To-Member Benefit/Discount Offer: _______________________
In Working Order
330-777-0083
Contact Diane Ash for 10% discount on boxes, bubble wrap,
and packing materials. Free delivery available.
Kiehl Information Technology Services
330-294-1005
Contact Dennis Kiehl for 5% - 10% discount on equipment,
installation and/or new services.
__________________________________________________________________
__________________________________________________________________
__________________________________________________________________
__________________________________________________________________
__________________________________________________________________
Connection
the
PRSRT STD
U.S. Postage
PAID
Akron, Ohio
Permit No. 870
Download
TODAY!
Fairlawn City
App
P.O. Box 13388
Fairlawn, Ohio 44334
web: www.fairlawnareachamber.org
e-mail:
[email protected]
phone/fax: 330-777-0032
Page 12 • Fairlawn Area Chamber of Commerce Newsletter • Octover/November/December 2015
FACC Gives Back to the Community
Stuff the Bus and Habitat Build Day
August 8, 2015
September 19, 2015
FACC Single Number 330-777-0032
www.fairlawnareachamber.org