The Chamber - Greater Catonsville Chamber of Commerce

A Newsletter from the
January
2015
INSIDE
VIEW
The Chamber
This Issue
President’s Message
Call for Outstanding Teacher
Awards Nominations
2
Honoring The Best of 2014
3
Welcome Our Chamber’s
2015 Board of Directors
4
Holiday Party Photos
6
Welcome New Members
8
2015 Calendar
11
2015 Board of Directors: (front row, l to r) Jack Murphy; Sally Griffin, Past President; Marleen Griffin; Joe
Poisal; Danae McDevitt; Dan Swearingen, Vice President; Omar Jennings IV; (back row, l to r) Linda Sauer;
Karen Gatzke; Sally Grace; Kristen Leister; Brian Wolfe, Treasurer; Woody Powell; Cathy Schneider, President;
(not pictured) Sue Plitt, Secretary. See pages 4 & 5 for board members’ contact information and committees.
Photo by Balance Photography
HONORING THE BEST OF 2014
C
January 15
Business Awards/
New Year Kickoff
Overhills Mansion
elebrate the best of 2014 and look ahead
to make 2015 even better. Plan to join
us for the Catonsville Business Awards
and New Year Kickoff on Thursday, January 15
from 5:30 to 7:30 p.m.
The awards evening will begin with signature
drinks and hors d'oeuvres.This is an opportunity to meet the new board of directors and
preview the exciting calendar of events planned
for 2015. At 6:30, we will formally honor our
winners with a champagne toast, followed by
dessert and conversation.
The categories for the Annual Business
Awards changed somewhat this year to more
closely align with the new Baltimore County
Business Awards. Winners of the Catonsville
awards will have the opportunity to compete for
the county awards later in the spring. Our five
award categories are Entrepreneurial Spirit,
Community Enthusiast, Service/Retailer,
Revitalization and Legacy.
And the 2014 honorees are...
ENTREPRENEURIAL SPIRIT
TRAILS AND TAILS PET CARE
Most Chamber members may never have
seen the owner of the business receiving the
Entrepreneurial Spirit Award because she never
continued on page 3
VIEW
The Chamber
Editor,
Design & Layout
Teal Cary
GCCC Executive Director
410-719-9609
PURPOSE
The purpose of the Chamber of
Commerce is to have a strong voice
with the county government,
business and local community;
to affect positive change in our area;
to foster growth and expansion of
our members’ business; and to
achieve the betterment of the
Catonsville community.
Chamber Web Site:
www.catonsville.org
ADVERTISING & PROMOTION
OPPORTUNITIES
One-Page Insert $75
Get special attention for an
event, sale, etc. An 8 1/2 “ x 11”
insert (pdf file) in The View
provided by your business.
Event Sponsorship
Your company can be
highlighted at one of our
monthly events.
(Costs vary)
Business After Business Host
Invite the Chamber to your
location for onsite promotion.
(Costs vary)
Website
Banner Advertising
Sidebar Advertising
Check the Homepage of the
Chamber’s website for additional
opportunities to promote your
business
Call the Chamber Office
410.719.9609
for more information.
The Chamber Working for You
President’s Message
Cathy Schneider
2015 President
H
appy New Year!
I’m excited for
the opportunity
to serve as your 2015
President! I step into
this position after Sally
Griffin served 4 years
and leaves with a huge
list of accomplishments. We appreciate
Sally’s time and all that she did to enhance
our Chamber. We are fortunate that she will
remain on the board to continue helping us
thrive.
Almost 9 years ago I opened my first
Edible Arrangements store here in
Catonsville. I picked this area because of the
loyalty and support that the community
gives to the businesses and the businesses
give to the community. It was a perfect fit
and a natural progression that I became
involved with the Chamber of Commerce so
I can help other businesses do the same.
The Board and Committees have been
delinquently working to enhance our programs for 2015. We have listened to all the
feedback from our members and are work-
ing to find ways to meet their expectations.
Teal Cary, our Director, and her staff are a
key component to execute our programs
and to keep the Board on task. They keep us
focused to ensure we are progressing. In
addition, Teal takes a vested interest in
every business and works to help them
grow. She is a great resource in figuring out
ways for businesses to promote themselves
through our Chamber.
I’m proud to say that we still maintain the
highest membership of 350 since the inception of the Chamber. I’m also proud to say
that the Chamber has done a great job in
supporting local businesses and the
community including growing the Frederick
Road Friday’s concert series and the new
Shop the ‘Ville marketing campaign. Please
check out these and all the wonderful
networking events, programs, and Lunch
and Learn Seminars that are already scheduled for the 2015. Come to our Kick Off
meeting on January 15th at Overhills
Mansion where you can meet the Board
members and help us honor the winners of
the Catonsville Chamber of Commerce 2014
Business Awards.
I look forward to a successful and
prosperous 2015 for all of our members!
TIME TO NOMINATE AN
OUTSTANDING TEACHER
T
he Greater Catonsville Chamber of Commerce is now accepting nominations for their
third annual "Outstanding Teacher Awards" banquet to be held at the John Erickson
Conference Center at Charlestown, Thursday, April 30, 2015 at 5:30 p.m. Students,
parents, fellow teachers, and community members and businesses are encouraged to nominate teachers, individuals and organizations they believe have made an outstanding impact
on education.
Who is Eligible for Nomination?
• Baltimore County teachers, public and private, within the 21228, 21227, 21229 zip codes
• Individuals or organizations supporting Baltimore County public or private schools
• Collaborative teams supporting Baltimore County public or private schools
An online Nomination Form can be found at www.catonsville.org and a printable
nomination form can be found there, as well. Nomination forms can also be obtained from
participating Baltimore County public and private schools, and at the Greater Catonsville
Chamber Office (924 Frederick Road).
Completed nomination forms for the TEACHER CATEGORY and INDIVIDUAL/
ORGANIZATION CATEGORY should be sent directly to the Chamber office to the attention of
the Outstanding Teacher Awards Committee or emailed to [email protected].
The deadline for the submission of all nominations is February 20, 2015. Nominations
received after this date will not be considered. Hand delivered or emailed nominations must
be received by 5:00PM. Mailed nominations must be postmarked by the due date.
2 Greater Catonsville Chamber Newsletter • www.catonsville.org
HONORING THE BEST OF 2014
continued from page 1
stands still. Her business has her on-thego quite literally from morning until night.
It all started three years ago when her
neighbor asked for help taking care of her
dog. Realizing that she could meet a
community need and enjoy a fulfilling
work environment, she left her job as a
photography editor and started a business
providing dog walking services for clients
with lengthy commutes or long working
hours so that these professionals could
focus on their work and not be worried
about pets left alone. Her business also
provides vacation pet sitting services
when clients are out-of-town, hikes for
pets whose owners suffer impaired mobility, and pet photography. After working as
“one-woman show” for the first 18
months, she was able to begin hiring staff.
Today she supervises three employees and
is seeking more to serve a list of 250 clients
that is growing daily. Clients rave about
the care she and her employees provide,
especially for pets with special needs.
The Greater Catonsville Chamber of
Commerce is pleased to present this year’s
Entrepreneurial Spirit Award to Erin Travis
of Trails & Tails Pet Care.
COMMUNITY ENTHUSIAST
COLDWELL BANKERCATONSVILLE
This year’s Community Enthusiast Award
goes to a business with a staff full of caring
individuals who are constantly giving
back to the community in a variety of
ways. As an observer noted, “they never
stop doing.” For years, agents in the office
have worked with great dedication to
provide landmark community events
such as the 4th of July Parade and
Fireworks and concerts at the Lurman
Woodland Theatre as well as with organizations such as the CEFM Network, The
Women’s Giving Circle and Friends of the
Catonsville Library. And when the Chamber needs volunteers for events such as
Taste of Catonsville, the Farmers Market
or the Crab Feast, many agents either
volunteer to help or offer sponsorships.
It should now be obvious that we are talking about Coldwell Banker Catonsville
because the volunteer table at Friday
Road Fridays was filled with Coldwell
Banker agents all summer long. In
addition to giving their time, the agents
also hold a special fundraiser and two yard
sales each year to raise funds for local organizations. It is natural for real estate
agents to speak positively about their community, but the agents at Coldwell Banker
take a giant leap beyond that by actively
involving themselves in the activities and
organizations that make Catonsville such a
vibrant place. For that reason, the Chamber is proud to present the Community
Enthusiast Award to Coldwell Banker
Catonsville.
SERVICE/RETAILER
CATON AUTO CLINIC
The business selected as the Service/
Retailer of the year for 2014 opened in
Catonsville nearly forty years ago and has
been owned and operated by three generations of the same family ever since.
Customers praise their trustworthy,
reliable and friendly service. The business
offers discounts for those who serve as
police, firefighters and in the military, and
they regularly hold Veteran’s Day Events in
their shop on Route 40. As one of the
largest independent automobile repair
facilities in state, a considerable portion of
their business comes from servicing commercial fleet vehicles. But that doesn’t
reduce their commitment and concern for
individual customers who consistently
recommend the shop for fair dealing, outstanding customer service and considerate
attention to detail. The business also
supports the Catonsville community in a
variety of ways. For example, they participate in the 4th of July parade and each year
they adopt a local family to support during
the holiday season. They also hold special
events to raise funds for charity. During
their “Brakes for Breasts” campaign last
October, they raised over $2,700 to fight
breast cancer. As a service business that
truly serves the community, the Chamber
is pleased to honor the Stenbach family,
owners of the Caton Auto Clinic with the
Service/Retailer Award.
REVITALIZATION
PARADISE COMMUNITY
ASSOCIATION
This year’s Revitalization Award is not
going to a business that renovated a storefront to give the streetscape a fresh new
look. The Revitalization Award is not going
to a business that supported the neighborhood, fostered a sense of community
pride, planted flowers in a common area
or helped fill a vacant space. Rather, the
award is going to a nonprofit organization
that partnered with neighborhood
businesses to do all this and more. Most
community associations are only focused
on the residents’ concerns and not the
businesses in their communities. But it’s
different in Paradise. For years, the
Paradise Community Association has
been actively working to promote the
businesses in the Paradise Community,
both among association members and to
the Greater Catonsville Community as a
whole. For example, the association hosts
the “Love Living in Paradise” page on
Facebook on which members frequently
highlight special offers from local businesses and the association’s newsletter
often reminds members to “shop local.”
The Association holds community
cleanup days where members pitch in to
clean, plant and paint to make the neighborhood more attractive as a place to live,
work and shop. Volunteers work tirelessly
to instill a sense of pride in the community, and more than anything else, it is that
pride that makes a community vital. The
Paradise Community Association is truly
deserving of the Revitalization Award.
LEGACY
THE CHILDREN’S HOME
The Legacy Award is granted to a business
or organization that has “consistently
made an impact in the greater Catonsville
community” over the past ten years or
more. The winner of this year’s award fits
into the “or more” category because they
have operated in Catonsville since 1863. In
fact, they even used the term “Legacy”
as the theme for their anniversary celebration. With “A Legacy of Caring for
Children,” The Children’s Home has long
provided a haven for youth who have
been orphaned, abused, neglected or
abandoned. At the Home, children are
given the chance to heal, rebuild selfesteem and grow into healthy, productive
young adults. The Children’s Home strives
to help children return to their community as responsible citizens. But The
Children’s Home serves our community in
continued on page 5
Greater Catonsville Chamber Newsletter • www.catonsville.org 3
WELCOME OUR 2015 CHAMBER BOARD
A
t the chamber’s annual holiday
party the membership voted to
elect the 2015 Board of Directors,
and adopted the 2015 Budget.
The Chamber welcomes the following
officers and directors whose vision will
lead us through the new year:
PRESIDENT
Cathy Schneider
Edible Arrangements
734 Frederick Road
Catonsville, MD 21228
(410) 788-5000
[email protected]
VICE PRESIDENT
Dan Swearingen
EmbroidMe
6600 D-1 Baltimore National Pike
Catonsville, MD 21228
(410) 744-6974
[email protected]
SECRETARY
Susan Plitt
UMBC
1000 Hilltop Circle , M/P 204
Baltimore, MD 21250
(410) 455-2340
[email protected]
TREASURER
Brian Wolfe, CPA
Wolfe & Fiedler, P.A.
634 Frederick Road
Catonsville, MD 21228
(410) 747-0789
[email protected]
BUSINESS DEVELOPMENT
Sally Grace, Chair
Peace A Pizza
15 Mellor Avenue
Catonsville, MD 21228
(410) 925-0757
[email protected]
Omar Jennings IV
AXA Advisors
6200 Old Dobbin Lane
Columbia, MD 21045
(410) 591-3251
[email protected]
Woody Powell
CCBC-Catonsville
7200 Sollers Point Road
Baltimore, MD 21222
(443) 840-3548
[email protected]
BUSINESS NETWORKING
Linda Sauer, Chair
Signs By Tomorrow
1603 Sulphur Spring Road
Arbutus, MD 21227
(410) 788-0366
[email protected]
Joe Poisal
Caton Auto Clinic
6009 - 6013 Baltimore National Pike
Catonsville, MD 21228
(443) 833-4590
[email protected]
BUSINESS PROMOTION
Karen Gatzke, Co-Chair
We Love Catonsville
508 Hilton Avenue
Catonsville, MD 21228
(410) 218-0578
[email protected]
Kristen Leister, Co-Chair
Narcissus Salon
28 Bloomsbury Avenue
Catonsville, MD 21228
(410) 788-0119
[email protected]
John Murphy
Murphy & Murphy, LLC
14 North Rolling Road
Catonsville MD 21228
(410) 744-4967
[email protected]
EDUCATION
Outstanding Teacher Awards,
Scholarships
Sally Griffin, Chair
Coldwell Banker
700 Frederick Road
Catonsville, MD 21228
(410) 744-4100
[email protected]
4 Greater Catonsville Chamber Newsletter • www.catonsville.org
LEGISLATIVE
Omar Jennings IV, Chair
AXA Advisors
6200 Old Dobbin Lane
Columbia, MD 21045
(410) 591-3251
[email protected]
NOMINATING
Sally Griffin, Chair
Coldwell Banker
700 Frederick Road
Catonsville, MD 21228
(410) 744-4100
[email protected]
SPECIAL EVENTS
Sunday Farmers Market,
Annual Crab Feast & Auction
Danae McDevitt, Chair
Maryland Box Company
101 Osborne Avenue
Catonsville, MD 21228
(410) 717-3372
[email protected]
Catonsville Flower Fest & Garden Party
Catonsville Arts & Crafts Festival
Teal Cary, Chair
924 Frederick Road
Catonsville, MD 21228
(410) 719-9609
[email protected]
www.Catonsville.org
Susan Plitt
UMBC
1000 Hilltop Circle , M/P 204
Baltimore, MD 21250
(410) 455-2340
[email protected]
Frederick Road Fridays
Dan Swearingen, Chair
EmbroidMe
6600 D-1 Baltimore National Pike
Catonsville, MD 21228
(410) 744-6974
[email protected]
Taste of Catonsville
Marlene Griffin, Chair
St. Agnes Employees
Federal Credit Union
720-E Maiden Choice Lane
Baltimore, MD 21228
443-844-3017
[email protected]
HONORING THE BEST OF 2014
continued from page 3
SPECIAL EVENTS
Holiday Party
Marlene Griffin, Chair
St. Agnes Employees
Federal Credit Union
720-E Maiden Choice Lane
Baltimore, MD 21228
443-844-3017
[email protected]
Linda Sauer
Signs By Tomorrow
1603 Sulphur Spring Road
Arbutus, MD 21227
(410) 788-0366
[email protected]
Past PRESIDENT
Sally Griffin
Coldwell Banker
700 Frederick Road
Catonsville, MD 21228
(410) 744-4100
[email protected]
LEGAL COUNSEL
Lou Weinkam, Jr.
Weinkam & Weinkam, P.A.
1002 Frederick Road
Catonsville, MD 21228
(410) 744-3256
[email protected]
Looking for a more
“Active Role”
in the Chamber?
B
eing part of a Chamber
committee is a great way to
network with fellow chamber
members while making an
impact on the community your
business serves.
Just contact the committee
chairpersons listed here or call the
chamber office. Your participation
will be enthusiastically received
and welcomed.
Join a committee today!
other ways as well. It serves the community as a business, providing employment
for more than 85 people who patronize
our restaurants and businesses; The Home
serves as a catalyst for economic growth in
the area, having invested well over 8
million dollars in facility upgrades in the
past few years alone. And last but not least,
The Children’s Home serves the community as a good neighbor. With a campus
that provides valuable green space in a
densely-populated area, the Home hosts
events such as music festivals, car shows,
and community walks and shares gym
facilities with local recreation groups. The
Home also served as a the site of the latest
endeavor by the Catonsville Tree Canopy
Project during which volunteers planted
75 American Elm and Flowering Cherry
trees on the campus. These trees serve as a
growing symbol of the legacy The
Children’s Home continues to provide to
our Community, and it is a privilege to
present CEO Andre Cooper with the
Legacy Award.
Don’t worry! There are still a number
of surprises left for the Catonsville
Business Awards. We will announce the
recipients of the President’s Award, and
the Businessperson of the Year on the
night of the 15th.
Tickets are available for $40 each
and can be purchased online at
www.catonsville.org.
I M P O R TA N T
MEMBERSHIP RENEWALS DUE
JANUARY 1, 2015
M
embership renewals were mailed on December 1. We encourage our
members to renew early so they don’t miss any of their membership
benefits beginning in 2015.
The Chamber is also continuing the up-graded membership levels that we
launched in 2011. Many members have already taken advantage of these new
membership levels. Now you can package your membership dues with the
advertising opportunities available through the Chamber which include
advertising in the Chamber’s
directory and on the Chamber’s
Chamber Membership Up-Grades
website.
“MORE membership benefits, MORE opportunities to promote your business”
With the convenience of
Add advertising on the Chamber’s website and in the Chamber’s Directory to
writing one check and the
your membership package! These packages INCLUDE your dues.
These membership packages only available from October 1, 2014 until March 1, 2015
incentive to take advantage of the
Please Check One:
opportunities Chamber membership
Advocate Membership
Plus Membership
❏ Chamber
❏ Premium
$2,500.00
$1,100.00
has to offer, these new levels give our
members a “one-stop-shop” for
many of the benefits the Chamber
provides.
Your membership renewal
mailing includes information for
these new levels. We encourage you
to review the up-graded
$385.00
❏ Sponsorship Plus Membership $775.00 ❏ Member Plus
membership packages and
consider the benefits these options
provide for your business.
Remember, these packages
include your dues!
Membership Benefits:
1. Ten Representatives
listed
2. Business Logo on
Chamber website home
page
3. Full Page Color Ad in
directory
5. One representative
pre-paid to ALL
Chamber events. All
other representatives pay
member rate.
6. Prominent recognition in
Chamber’s directory,
website, stationery, and
on a placard in chamber
office
4. Two pdf inserts in the
Chamber View newsletter 7. Member-to-member
discounts
Chamber Advocate receives this additional benefit:
■ FREE light post banner (either Holiday or July 4th)
Membership Benefits:
1.Five Representatives
listed
2.Business Logo on
Chamber website
rotating bar/Chamber
events calendar page
3.1/2 Page Color Ad in
directory
4.One pdf insert in the
Chamber View
5.All representatives pay
member rate to ALL
Chamber events.
6.Prominent recognition in
Chamber’s directory and
website
Membership Benefits:
1. Ten Representatives
listed
2. Business Logo on
Chamber website
rotating bar/community
calendar page
3. Full Page Color Ad in
directory
5. One representative
pre-paid to ALL
Chamber events except
the Crab Feast. All
other representatives pay
member rate.
6. Prominent recognition
in Chamber’s directory,
website, stationery, and
on a placard in chamber
office
4. One pdf insert in the
Chamber View newsletter 7. Member-to-member
discounts
Membership Benefits:
1. One Representative
listed
2. Business Logo on
Chamber website
rotating bar/inside pages
4. Member rate to ALL
events
5. Free listing in
Chamber’s directory and
website
6. Member-to-member
discounts
3. 1/4 Page Color Ad in
directory
7.Member-to-member
discounts
for more advertising options....
Greater Catonsville Chamber Newsletter • www.catonsville.org 5
The Chamber In Pictures
Holiday Party
December 11, 2014
6 Greater Catonsville Chamber Newsletter • www.catonsville.org
Photos by
Balance Photography
Greater Catonsville Chamber Newsletter • www.catonsville.org 7
Greater Catonsville Chamber of Commerce presents
The Catonsville
Business Awards
Honoring the Best of 2014
January 15, 2015
Overhills Mansion, 916 S. Rolling Road
Please join us for a champagne start to the New Year.
★
5:30 pm Signature Cocktails, Appetizers,
2015 Board of Directors Meet & Greet, Networking
6:15 pm Business Awards & Remarks
with Champagne Toast to Winners
7:00 pm Networking and Dessert
★
Tickets-$40 for registered & pre-paid members,
$50 at door and for non-members
★
www.catonsville.org, 410-719-9609
The Chamber New Members
Member Plus Level
Planet Fitness Catonsville
Byron Fate
5425 Baltimore National Pike
Baltimore MD 21229
(410) 975-4850
[email protected]
www.planetfitness.com/gyms/catonsville
-md-97
Planet Fitness is a fitness center that is
solely for first time users. They offer a
“judgment free zone” which guarantees
their members an environment that is
comfortable and non-intimidating.
Member Level
Breakthrough Pros
Dennis Sullivan
10016 Gun Ridge Circle
Kingsville, MD 21087
410-529-8854
[email protected]
www.BreakthroughPros.com
With experience launching more than 100
businesses and products, Breakthrough
Pros has the expertise to help small and
mid-size companies of all types generate
leads, increase sales and boost profitability. In addition, Breakthrough Pros wrote
the book, “The One Page Breakthrough
Marketing Plan” which is available
through the company’s website.
Picnic Pops
Allison Bolten
Catonsville MD
(301) 910-1669
[email protected]
www.picnicpops.com
Picnic Pops offers frozen popsicles with
a creative twist. Flavors are unique and
delicious – and always organic. Currently
operating as a sales cart business, Picnic
Pops is in the process of expanding into
the retail grocery market.
Saul Ewing LLP
Nicholas C. Stewart, Esq.
500 E. Pratt Street, Suite 900
Baltimore, MD 21202
410-332-8616
Fax (410) 332-8031
[email protected]
www.saul.com
Saul Ewing is a diverse law firm of
attorneys who are active leaders and
authorities in their fields of practice. The
firm participates in a range of industry
associations in order to track legal trends
and laws and educate themselves and
others in the pursuit of favorable client
outcomes. The Baltimore office offers
a broad range of services including
litigation, business and tax, estates and
trusts, bankruptcy, employment law,
insurance regulatory and transaction
matters, real estate, and lobbying. The
attorneys in the Baltimore office also are
committed to service to the community
through their roles as civic leaders and
members of the boards of directors of a
number of prominent charitable and civic
organizations in the Baltimore area.
Swan Consulting Permanent
Cosmetics
The Chamber
Member News
Bill’s Music Staff Member Chosen
to Teach at University of MDCollge Park
L
ee Hirschmann, the Brass & Woodwind Technician at Bill’s Music in
Baltimore MD recently taught a repair and maintenance class at University
of Maryland College Park. Bill’s Music &
Lee were invited by the President of the
Fine Arts Department to lecture for the
music majors. The class was compiled of
future music educators, performance
majors, and several students in the
marching band. During the class the Lee
taught the students about the importance of proper maintenance, and taught
the students some basic repair skills. The
class was full of group discussions, lectures, and hands on activities. The students learned how to replace water key
corks, tennon corks, and install pads on
clarinets, flutes & saxophones. Lee will
be teaching at the college again in the
spring, and in addition to a few other
local colleges. He found it to be a great
experience and was honored to be there.
Plus it helped Bill’s Music gain some new
and loyal clients.
Melba Czosnowski
7207 Sauers Court
Glen Burnie MD 21061
443-668-6990
[email protected]
www.swanconsultingpermanentcosmetics.com
Swan Consulting is a Permanent
Makeup/Skin Care Clinic committed to
making the world more beautiful one face
at a time. Swan offers a safe and virtually
pain free method of applying pigment
into the dermal layer of the skin to
enhance eyes, eyebrows, lips, and other
facial features
Lee Hirshman of Bill’s Music (center,
leaning on desk) with UMCP
students from his music instrument
repair and maintenance class
8 Greater Catonsville Chamber Newsletter • www.catonsville.org
13th MEGA
NETWORKING EVENT
Towson, Baltimore County
Wednesday, January 28, 2015
(Inclement weather date: Feb. 4, 2015)
5:30 to 7:30 pm
Sheraton Baltimore North
903 Dulaney Valley Road, Towson, MD 21204
Network with businesses throughout Baltimore County.
Includes a trade show. Show off your business for ONLY $100, includes registration fee.
$150 for non-members. Contact the chamber office to reserve your space by January 14, 2015.
Members: Pre-Registered $25, At the Door $35, Non-Members: $35
Cost includes heavy hors d’oeuvres and one FREE drink ticket. Cash Bar will be available.
Make sure to validate your parking ticket at the front desk for FREE PARKING!
Register today online at www.catonsville.org
Event Sponsored By: Greater Catonsville Chamber of Commerce, Arbutus Business and
Professional Association, Baltimore County Chamber of Commerce, Dundalk Chamber of Commerce,
Greater Towson Committee, Harford Business Association, Hunt Valley Business Forum, Liberty Road Business
Association, Parkville-Carney Business Association, Pikesville Chamber of Commerce, Reisterstown-Owings
Mills-Glyndon Chamber of Commerce, and the Towson Chamber of Commerce
Greater Catonsville Chamber Newsletter • www.catonsville.org 9
SEEK TO BALANCE
“RISK TOLERANCE” AND
“REQUIRED RISK”
Matthew Dunigan
Edward Jones Financial Advisor
Contributing View Columnist
L
ike everyone else, you have financial goals.
To help achieve these goals, you may need to
invest — and when you invest, you’ll need to
take on some risk. But the more you understand
this risk, and the better you are at managing it, the greater your potential for staying invested for the long term.
To begin with, then, take a look at these terms:
• Risk tolerance — Your risk tolerance is essentially your comfort
level with taking risk. For example, if you have a high tolerance for
risk, you may be comfortable investing aggressively. Conversely, if
you tend to be risk-averse, you might lean more toward more conservative investment vehicles that offer greater protection of principal.
• Required risk — While the term “required risk” may sound odd, it
is actually an integral component of your ability to invest successfully. Basically, your required risk is the level of risk necessary to help
you achieve your investment goals. The higher the return necessary
to reach those goals, the more potential risk you’ll need to assume.
As you invest, you’ll need to balance these two aspects of risk. For
example, what might happen if you have a low risk tolerance, leading
you toward “safer,” low-growth investments, but your goal is to retire
early? For most people, this goal requires them to invest in vehicles
that offer significant growth potential, such as stocks. And, as you
know, investing in stocks entails risk — specifically, the risk that your
stocks will lose value. So in this situation, your risk tolerance — the
fact that you are risk-averse — is going to collide with your required
risk level, the amount of risk you are going to need to take (by investing in stocks) to achieve your goal of early retirement.
When such a collision occurs, you have two choices. First, you
could “stretch” your risk tolerance and accept the need to take on
riskier investments in exchange for the growth potential you will require. Your other choice is to stay within your risk tolerance and adjust your ultimate goal — which, in this example, may mean
accepting a later retirement date.
Obviously, this is a personal decision. However, you may have
more flexibility than you might have imagined. For instance, you
might feel that you should be risk-averse because you have seen so
many fluctuations in the financial markets. But if you have many
decades to go until you retire, you actually do have time to recover
from short-term losses, which means you may be able to reasonably
handle more volatility. On the other hand, once you’re retired, you
won’t have as many years to bounce back from market downturns, so
you’ll have less “risk capacity” than you did when you were younger.
In any case, by balancing your risk tolerance and your required
risk level — and by understanding your risk capacity — you can be
better prepared to take the emotion out of investing. When investors
let their emotions get the better of them, they can make mistakes
such as chasing “hot” stocks or selling quality investments due to
temporary price drops. By having a clear sense of what risk really entails, however, you may be able to avoid costly detours — and stick
with your long-term investment strategy.
This article was written by Edward Jones for use by your local
Edward Jones Financial Advisor.
10 Greater Catonsville Chamber Newsletter • www.catonsville.org
STAY SAFE THIS
WINTER SEASON
Wintry reminders to protect your family
W
inter has officially arrived. This is a preview of what
may lie ahead the next few months so it is important to
keep some basic winter safety tips in mind:
Walking on ice
Icy patches can be tough to spot. The slips and falls that come
with ice can be serious. If you come across a patch that you believe may be icy, tap the edge of the area with your foot to be sure.
Wear shoes with gripping soles to provide traction. Also, keep your
hands out of your pockets when walking in order to keep your balance on a slippery surface. Don’t carry heavy items like shopping
bags with you when walking on slippery surfaces. This can change
your center of balance, making you more likely to slip and fall.
When getting out of your vehicle, check to make sure there are
no icy spots near your vehicle. If you are parked on a slick spot,
move the vehicle to a different area if you can. Also, when entering
and exiting your car while on ice, use the vehicle for balance and
support.
Shoveling Snow
A necessary evil after a snow storm, shoveling snow can pose a
health risk for many people. Snow shoveling can be a strenuous
activity. It can increase blood pressure and heart rate. Individuals
with a history of heart disease, high blood pressure or strokes
should not shovel snow.
If you must shovel snow, shovel as early as possible. Snow is
heavier after it has been on the ground for a few days - often melting and re-freezing, creating a solid chunk of snow rather than
powdery, just-fallen snow. Also, make sure that you are properly
hydrated and prepare your body for shoveling by warming up. Jog
in place or do ten jumping jacks before you begin to shovel, as this
will get your blood flowing before you begin. Also, be sure to take
your time and move slowly when shoveling snow. Shoveling too
fast can increase your blood pressure and put you at greater risk
for spraining or pulling a muscle.
Frostbite
Frostbite occurs when skin and its underlying tissue are exposed to very cold temperatures and freezing conditions. Skin that
appears waxy or hard and has a gray tone may have frostbite. The
damaged skin may also itch or burn and may turn red in color as
the affected area thaws.
The first step to treating frostbite is to get out of the cold. Get
inside to a warm place as soon as possible. Once inside, remove
any wet clothing. If you cannot get out of the cold, place your
hands under your arms to warm them. Also, cover areas that can
be most affected by frostbite (nose and ears) with a scarf and try
not to walk if your feet may have frostbite, as this will make the
condition worse.
Frostbite is generally treated by gradually warming the skin. Remember to seek the treatment of a medical professional as soon as
possible if you think you may have frostbite.
About Patient First
Patient First currently operates 55 centers in Virginia, Maryland,
and Pennsylvania. It opened its first facility in Richmond, Virginia
in 1981 and developed many automation-based operating systems
and practices that were considered innovative at the time and
which have been continually improved to meet the needs of today’s
patients.
2015 Chamber Events Calendar
JANUARY
APRIL
Event:
Event:
Chamber Business Awards/
New Year Kick-off
Sponsors: Needed
Date:
Thursday, January 15, 2015
(Inclement Weather Date: Jan. 22)
Time:
5:30 to 7:30 pm
Place: Overhills Mansion
916 S. Rolling Road
Cost:
$40 pre-registered & pre-paid
$50 at door
Southwest Area Mega Networking Event
Joint event with the other southwest area
Business Associations
Date:
Thursday, April 16, 2015
Time: 5:30 pm - 7:30 pm
Place: Arbutus Volunteer Fire Dept. Hall
5200 Southwestern Blvd.
Cost:
$25 pre-registered & pre-paid
$35 at door, $35 non-members
Event:
Event:
Date:
Time:
Place:
Mega Networking Event
& Trade Show
Joint event with the other Chambers and
Business Associations throughout
Baltimore County
Date:
Wednesday, January 28, 2015
(Inclement Weather Date: Feb. 4)
Time: 5:30 pm - 7:30 pm
Place: Sheraton Baltimore North
Cost:
$25 pre-registered & pre-paid
$35 at door, $35 non-members
FEBRUARY
Event:
“The BOB” Networking Event
Business, Oysters and Beer
Date:
Thursday, February 19, 2015
(Inclement Weather Date: Feb. 26)
Time: 5:30 pm
Place: Overhills Mansion
Cost:
$25 pre-registered & pre-paid
$35 at door, $35 non-members
Cost:
Outstanding Teachers Awards
Thursday, April 30, 2015
5:30 pm
John Erickson Conference Center
at Charlestown
Tickets $40
MAY
Event:
Date:
Time:
Place:
Cost:
Event:
Date:
Time:
Place:
Cost:
Catonsville Flower Fest
Opening of Sunday Farmers
Market (each Sun. 5/3 to 11/22)
Sunday, May 3, 2015
10:00 am
Frederick Road
FREE
Chamber Open House/
Networking Event
Thursday, May 7, 2015
5:00-7:00pm
924 Frederick Road
FREE
MARCH
Event:
Date:
Time:
Place:
Cost:
Lunch & Learn SeminarBUILD Your Business TO SELL
Thursday, March 12, 2015
12 Noon
TBA
$25 pre-registered & pre-paid
$35 at door, $35 non-members
Event: Breakfast Networking Event
Joint event with the Baltimore County
Chamber & Baltimore Washington
Corridor Chamber
Date:
Wednesday, March 18, 2015
Time: 7:30 am
Place: Overhills Mansion
916 S. Rolling Road
Cost:
$25 pre-registered & pre-paid
$35 at door, $45 non-members
Event:
Date:
Time:
Place:
Cost:
Lunch & Learn SeminarBUILD Your Business TO GROW
Thursday, May 21, 2015
12 Noon
TBA
$25 pre-registered & pre-paid
$35 at door, $35 non-members
JUNE through AUGUST
Event:
Date:
Time:
Place:
Cost:
Taste of Catonsville
Monday, June 1, 2015
6:00-9:00 pm
Overhills Mansion
916 S. Rolling Road
$35 pre-registered & pre-paid,
$45 at door
NOTE: Times, locations, and costs are subject to change. Check chamber website for the most updated information.
Event:
Date:
Time:
Place:
Cost:
Frederick Road Fridays
Every Friday, June 12-Aug. 28
6:30-8:30 pm
The Shops on Mellor
FREE
SEPTEMBER
Event:
Date:
Time:
Place:
Cost:
Event:
Date:
Time:
Place:
Cost:
42nd Annual Catonsville
Arts & Crafts Festival
Sunday, September 13, 2015
10 am to 5 pm
Frederick Road
FREE
57th Annual Crab Feast
& Auction
Friday, September 25, 2015
5:30 pm
The Lodge in Oella
TBA
OCTOBER
Event:
Date:
Time:
Place:
Cost:
Event:
Date:
Time:
Place:
Cost:
Chamber Open House/
Networking Event
Thursday, Oct. 8, 2015
5:00-7:00pm
924 Frederick Road
FREE
Lunch & Learn SeminarBUILD Your Business TO LAST
Thursday, Oct. 22, 2015
12 Noon
TBA
$25 pre-registered & pre-paid
$35 at door, $35 non-members
NOVEMBER
Event: Legislative Luncheon
Guest Speakers: Elected Officials
Thursday, November 12, 2015
Date:
Time: 12:00 noon
Place: Knights of Columbus
1010 Frederick Road
$20 pre-registered & pre-paid
Cost:
$25 at door, $35 non-members
DECEMBER
Event: Holiday Party
Thursday, December 10, 2015
Date:
Time: 12:00 noon
Place: Overhills Mansion
$30 pre-registered & pre-paid,
Cost:
$40 at door
Greater Catonsville Chamber Newsletter • www.catonsville.org 11
DBED ACCEPTING APPLICATIONS FOR
NEW RISE ZONE PROGRAM
M
aryland Department of Business
and Economic Development
(DBED) Secretary Dominick
Murray recently announced that applications are being accepted from higher
education institutions and targeted
nonprofits seeking to participate in the
State’s new RISE Zone program. RISE —
Regional Institution Strategic Enterprise
was created this year by the General
Assembly and signed into law by Governor Martin O’Malley to leverage the economic development potential of colleges
and universities. It creates areas around or
connected to the institutions in which relocating or expanding businesses can take
advantage of special State benefits.
“Maryland’s higher education institutions are centers of learning and discovery. They are also anchors of development
and engines that drive Maryland’s Innovation Economy,” said Secretary Murray.
“RISE will amplify the economic development potential of our colleges and universities. We look forward to working with
Maryland’s educators and local leaders on
this exciting new program and supporting
the growth and expansion of businesses
across the State.”
RISE has a two-stage application
process. In the first stage, higher education institutions, regional higher education centers, and nonprofits associated
with federal agencies can apply to DBED
to be certified as qualified RISE institutions. Applications for the first stage are
being accepted now. Once qualified, institutions partner with their county or city
government to apply to DBED to create
the Zone itself. The second round of applications will be accepted starting July 1,
2015.
Businesses that move into or expand
significantly in RISE Zones will benefit
from local real property and income tax
credits as well as priority consideration
for other State incentive programs. RISE
is also funding the creation of a business
concierge position within DBED to direct
RISE Zone businesses to other State programs that could benefit them. The
Zones will be in effect for five years and
could potentially be renewed for five additional years.
About DBED
The Maryland Department of Business and Economic Development stimulates private investment and creates jobs
by attracting new businesses, encouraging the expansion and retention of existing companies, and providing workforce
training and financial assistance to
Maryland companies. The Department
promotes the State's many economic advantages and markets local products and
services at home and abroad to spur economic development and international
investment, trade and tourism. Because
they are major economic generators, the
Department also supports the Arts, film
production, sports and other special
events. For more information, visit
www.choosemaryland.org.
See more at: http://business.maryland.gov/media/Pages/PressReleases/D
BED-Accepting-Applications-for-NewRISE-Zone-Program.aspx#sthash.tDq
Xa7zp.dpuf.
See Videos of Our Special
Events on
Follow us online
The Chamber
Member News
Umani Global Bistro Offers
Sunday Brunch- Starting 10 am.
"Brunch is one of my favorite meals'"
states Rehan Kahn, owner and chef of
Umami Global Bistro. Using only the
freshest healthy local ingredients,
Umami's Sunday Brunch is a time of
fun, family and community in a warm
cozy atmosphere. "Mediterranean
brunch? Why not?" says Chef Rehan.
Always keeping the needs and comfort
of his customers first, Chef Rehan added
an entrance vestibule and door to keep
all that cold outside. Chair rails around
the wall, fresh paint and new local art
work all work together for a snug and
intimate dining experience.
Delightful new weekly menu offerings
include seasonal favorites. A true crowd
pleaser during the holidays was chef
prepared Mediterranean veggie strata
with light egg custard, caramelized
onions, house-roasted red peppers and
spinach topped with roasted tomato
sauce and garden fresh dill. The grand
finale, warm from the oven, apple and
eggnog-custard bread pudding.
Planning Ahead...
Mark Your Calendar Now for
The B.O.B Event
Business,
Oysters & Beer
Thursday, February 19, 2015
5:30 pm - 7:30 pm
Overhills Mansion
916 S. Rolling Road
Join us for
this fun new
networking event.
Like us on
Quote for the New Year
“Whenever you see a successful business, someone once made a
courageous decision.”
Peter F. Drucker
12 Greater Catonsville Chamber Newsletter • www.catonsville.org