Newsletter - Tehachapi Chamber of Commerce

April 2015
Newsletter
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What Your Small Business Should Know About the
Upcoming Fraud Liability Changes
March 26, 2015
Mark your calendar: Starting Oct. 1, 2015,
businesses that have an EMV chip-enabled
terminal—which processes credit and debit
card payments and tracks data related to these
transactions—will have additional protections
from counterfeit credit and debit card fraud.
Most new cards today come embedded with
an EMV (short for EuroPay, MasterCard
and Visa) microchip designed to stem data
breaches and the overall use of counterfeit
credit cards. So, in October, at EMVcompatible businesses, customers will insert
their credit card into a slot on the payment
terminal, which will read the chip.
While small merchants are less vulnerable
to the kind of fraud the technology protects
against, stores that aren’t EMV-compatible
will still face new liability issues, notes
Jeffrey Novel, a small business litigator in
Dallas who represents financial institutions
and startups alike in business-related disputes.
As the date approaches, here’s what merchants
should know.
What’s legally required?
Businesses are not required to support EMV
come October. However, some fraud liability
will shift from issuers to merchants who
haven’t upgraded their terminals. Therefore,
if you choose not to invest in chip technology,
your business could become legally and
financially responsible for counterfeit fraud
conducted in your stores.
Greater Tehachapi
Chamber Of Commerce
209 E Tehachapi Blvd
P.O. Box 401
Tehachapi, CA 93581
661 822-4180
Fax 661 822-9036
www.tehachapi.com
Big businesses like Target have the most to
gain by ensuring that the high volume of card
transactions at their stores are not susceptible
to fraud. However, small businesses should
carefully analyze the risk if they do not adopt
the technology, says Novel.
How do I measure my risk level?
Examine your customer base. “Smaller
merchants with relatively low card
transaction volumes or a large number of
repeat customers may find that the expenses
associated with EMV upgrades are greater
than simply accepting liability for the low
levels of fraud they might experience from
[card] transactions,” Novel says.
That balance may shift as fraudsters migrate
to the targets that are most susceptible. Some
smaller retailers might begin to experience
increased levels of fraud. “Online fraud has
greatly increased in Europe as retailers have
adopted the EMV terminals,” Novel says.
Therefore, you should continually evaluate
your risk level by looking at the volume of
transactions you process as well as the type of
products you sell.
A tackle shop selling worms to repeat
customers can probably afford to wait, he
says. However, a high-end audio equipment
retailer that caters to a large number of
anonymous customers in multiple locations
would be wise to meet the deadline.
How would EMV technology protect my
business?
Point of sale terminals with chip technology
will be protected from fraud liability if a
See EMV/ Page 4
Your Chamber Working For You
We'd like to share some ways we have promoted your business last month…
Phone
Calls
Office
Visitors
369
215
Referrals Directories
1538
112
Information
Maps
Packets
13
63
April Chamber Network Luncheon
Eugene Suksi, CEO
Tehachapi Valley Healthcare District
Please join the Greater Tehachapi Chamber of
Commerce at our April Chamber Network
Luncheon, Tuesday, April 21, 2015, 12:00
p.m. at Pacino's Pizzeria - Pastaria 1100
Tehachapi Blvd, #A. Our guest speaker will
be Eugene Suksi, CEO Tehachapi Valley
Healthcare District. Mr. Suksi will provide an update on the
Healthcare District and the new hospital.
Chief Executive Officer Eugene Suksi came to the Tehachapi Valley
Healthcare District (TVHD) as interim CEO in July 2014 and was
appointed permanent CEO in December 2014. He has more than
25 years of senior executive experience, including CEO at Sutter
Coast Hospital in Crescent City, CA, Chief Operating Officer at
Cascade Medical Center in Leavenworth, WA, and Vice President
of Clinical Services for three different hospital management
companies.
Mr. Suksi’s educational background includes a Master’s in Business
Administration and a Master’s in Healthcare Administration from
The University of Washington, as well as a Master of Counseling
degree from Idaho State University.
2015
Board of Directors
C hairperson
Marty Pay
Farmers Insurance
C hair Elect
Jim Wallace
Tehachapi Cancer Foundation
Treasurer
Kathy Carey
BVS Properties
• Directors •
Susan Abrego
Tehachapi Cleaning ProZ
Lorraine Berry
Individual
Carl Gehricke
TBB
Carolyn Wiles
Terra-Gen Power, LLC
The cost is $15 for Chamber Members, $20 for Non-Chamber
members, which includes lunch.
Reservations are required. Please make your reservation by
calling the Chamber at 661-822-4180. Reservation deadline is
Friday, April 17, 2015.
Staff
Ida Perkins
President
Heather Pardus
Receptionist
WE NEED YOUR INPUT
Tehachapi Valley Healthcare District is conducting
a Community Health Needs Assessment to identify
and address unmet health needs in the community.
As part of the assessment, the District has developed
a community-wide survey for professionals and residents. The survey is available thru April 30, 2015. We
would appreciate you taking the time to complete the
survey and help improve the health of our community.
You may access the survey by clicking
HERE
For more information or to request a paper copy,
please contact:
Welcome Our Newest
Members
SolarCity
Mark Boggess
25801 Paramount Dr
Tehachapi, CA 93561
661-699-7462
Peggy Mendiburu: 661-823-1622:
[email protected].
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Luncheon Sponsored by
You may be familiar with the Tehachapi Visitor Guide, a
long-time publication of the Tehachapi News.
We converted from newsprint to an annual full color,
glossy magazine-style publication in 2010. In 2013 and
2014 we published two editions and for 2015-16 we’re
returning to an annual with 25,000 copies to be printed and
distributed.
Tourism has become an important part of Tehachapi’s
economy.
According to information presented to the Tehachapi City
Council at its meeting March 16 (last night), an estimated
70,000 people attended major Tehachapi events last year;
this included:
•
Tehachapi Mountain Festival: 40,000 people
•
4th of July Hotdog festival: 8,000 people
•
Apple Festival: 5,000 people
•
GranFondo: 3,000 people (people came from 120
different cities)
•
Chili Cookoff: 2,000 people
And, of course, there are many other events that bring
people to town, so the real number is probably much larger.
An economic indicator of the impact of tourism, Transient
Occupancy Tax (bed tax) revenue for Tehachapi increased
from $250,000 in 2009 to $587,866 in 2014. Of course,
some of this was people staying at hotels long-term for
business, but they use services just like other visitors.
According to the Kern County Board of Trade, Tehachapi
is the third largest tourism draw in the county. Countywide, tourism generated $1.34 billion in 2012, supporting
13,000 jobs.
The Tehachapi Visitor Guide is the only publication dedicated to serving visitors and it is supported by advertising.
Don’t miss the April 10 deadline for the May 19 publication.
Cal1 822-6828 for more information.
Our community is realizing that Tehachapi is at a
distinct disadvantage because of our location. Any kind of
chemotherapy treatment is at least a 90 mile round trip trek,
either “down” the mountain to Bakersfield or over to Lancaster/
Palmdale.
Diagnosed with stage IV colorectal cancer on October 1,
2012, Tammy fought the good fight until September 1, 2014
when cancer won the final bout.
It was during their trip “down the cancer road” that Tammy
and Jim quickly became aware of the disadvantage they faced
living in a small mountain community with Tammy’s treatment
making the trip necessary five days a week for five weeks -- in
Bakersfield.
Right now, there simply are no such services any closer.
Tammy and I realized first hand that we did not fully understand
the impact cancer and chemotherapy has on someone’s life. We
quickly discovered there is a real gap in resources, education,
financial assistance and other needs.
Of course, Tammy, being the loving, compassionate and
driven person she was, decided they had to do something
about the situation and began planning the Tehachapi Cancer
Foundation in January of 2013. We received our 501(c) 3 status
on Tammy’s birthday, March 18, 2014.
The Foundation plans to set up a support group for all types
of cancer, both via their website and personal meetings and they
already are providing some gas cards for those needing to make
the trek for radiation and/or chemo treatments.
How to reach us. www.tehachapicancerfoundation.org
[email protected]
844-644-87644
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EMV/ From Page 1
counterfeit credit card is used at their location.
Without EMV technology, however, if a fraudulent card is
used at one of your terminals, your business might have to
cover the cost of the purchase.
Eventually, converting your terminals could also protect
you from incurring additional penalties, Novel says, like
investigation costs or fines imposed by a credit card processor
or issuer.
What about compliance issues?
Merchants will still need to be PCI-compliant under payment
card industry regulations. Under PCI standards, if cardholder
data is stolen and a merchant is found to be the weakest link
due to a lack of EMV compatibility, that merchant will be
legally vulnerable.
“The merchant could be liable for fines, penalties and even
termination of the right to accept payment cards,” Novel
explains. “Ideally, merchants will shield themselves from
liability by complying with both EMV and PCI standards.”
APRIL CHAMBER MIXER
CELEBRATING
GRAND OPENING
BOTTOMLINE
BOOKKEEPING
SERVICE
WEDNESDAY, APRIL 8TH, 2015
5:00-7:00 P.M.
RIBBON CUTTING AT 5:30 P.M.
HORS D’OEUVRES AND
REFRESHMENTS
NO HOST BAR
ENTERTAINMENT
DRAWING AT 6:30 P.M.
WATCH >> NFIB's Webinar on the EMV Changes
We walk you through the following points:
•What is EMV®? What is NFC®? Status of the U.S. migration
to EMV/NFC
•Touch points on the impact EMV/NFC will have on the U.S.
payments infrastructure
•What EMV/NFC is not
•What EMV/NFC will solve (over time)
•When EMV/NFC will become relevant to you and your
business
•EMV/NFC implementation models
100 SOUTH ROBINSON ST
TEHACHAPI, CA 93561
661-823-4921
SAVE THE DATES!
"Business After Hours "
Chamber Mixer Schedule
HOSTED BY
April 8th
Bottomline Bookkeeping Service
May 13th
Charlotte L. Ruse, Legal
Document Service
June 10th
The Woods Pavilion
July 8th
J. Williams Personal
Financial Planning, Inc.
September 9th
RST Cranes, Inc.
October 14th
Available
Mixers are a great opportunity to meet your
business neighbors and community members in
an informal setting. These events are a great
way to share information about your business
and learn about other members.
If interested in hosting a Chamber Mixer, please
contact us at 661-822-4180.
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Chamber Ribbon Cuttings
South Street
Digital, Inc.
Chamber Director Jim Wallace; Chamber President Ida
Perkins; Chamber Ambassadors Tina Larson, Pat Doody
and Harriet Clendenin joined South Street
Digital for their Grand Opening/Ribbon Cutting on Friday,
March 13, 2015.
South Street Digital is located at 20825 South St, Ste B.
For more information call 661-823-4908.
Congratulations Lydia and Audrey!!!!!
Scenes from the March Chamber Mixer
Hosted by American Pacific Mortgage
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2015 Mountain Festival Theme Announced
"Mountain Fun Under The Sun" is the theme for the 2015
Tehachapi Mountain Festival®. Thank you Joe Lantana, the winner of
this year’s Mountain Festival Theme Contest.
Presenting the check to Joe and his daughter Ashley is Mountain
Festival Chairman Carl Gehricke. Joe and his family will be our VIP
guest to all events during Mountain Festival, including participation in
the parade, tickets to the rodeo and pancake breakfast, and an Official
Tehachapi Mountain Festival® T-shirt featuring his winning theme.
The Mountain Festival theme sets the tone for the entire Mountain
Festival. Once the theme is established, the logo can be designed.
Parade floats are planned based on the theme. The official Mountain
Festival t-shirts, posters, brochures, and all advertising bear the official
logo.
27 Years
April Membership Anniversaries
tehachapi.com working
for our members
6 Years
Kiwanis Club of Tehachapi
Airstreams Renewables, Inc.
Fairfield Inn & Suites by Marriott
Hungry Howie's Pizza
Tehachapi Fitness
16 Years
College Community Services
Dave's Auto Repair
TBB
We'd like to share with you a summary
of our website business directory
activity last month
14 Years
Alphabetical Listing Search
Lila Winger
Categorical Listing Search
Search For
New Member Listing
3 Years
BVS Properties
Snow Orthodontics
The Balancing Act
2nd Chance Ranch
Alert Disaster Restoration
Home Depot
Kaiser Permanente
Truxtun Radiology Medical Group
William W. Kritlow
10 Years
Jackie Wood Photography
Murray Family Farms
9 Years
Referred to Member Website
Emails Sent to Members
Member Map Views
Calls Placed to Members
Category Sponsor Ad
2 Years
City of Tehachapi
Terrio Therapy-Fitness, Inc.
Abbey Carpet of Tehachapi
Glenwood Gardens
The Mold Detective
7 Years
Brady Chiropractic
Goldfish Publications, LLC
Petra Mediterranean Deli & Restaurant
529
Main Directory Search Page Visits
4 Years
88
3,009
57
13
1,226
37
1,491
4,544
13
1 Year
Mercy Air
11 Renewing Members Strengthen Chamber and Business Community
The following members renewed their commitment to the Chamber from
February 25, 2015 through March 27, 2015
Please thank them for their support and patronize their businesses whenever possible!
Member Since
Member Since
Abbey Carpet of Tehachapi
Applegate Garden Florist
At the Salon
Brite Cleaning Industries
2013
1995
2014
2011
Farmers Insurance Marty Pay
Foot & Ankle Institute
Kaiser Permanente
M & M Sports
1992
2009
2012
1998
Member Since
The Mold Detective
Mulberry Place Assisted Living
Servicemaster of Tehachapi
2013
2009
1993
Congressman McCarthy, Senator Fuller, and Assemblywoman Grove
Mobile Office Hours at the Chamber
Government Representatives will hold office hours at the Chamber office on Tuesday, March 21, 2015 from 10 to 11 AM.
For appointments, contact the following representatives:
Congressman McCarthy, Representative Keenan Hochschild, 661-327-3611
Senator Fuller, Representative Romeo Agbalog, 661-323-0443
Assemblywoman Grove, Representative Javier Reyes, 661-395-2995
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Chamber Services
For Members Only
2015 California Employment Poster Set
Available Now!!!
Mailing Labels
$35.00
Electronic (Excel)
Mailing List
$50.00
Make sure your business is
in compliance. Even if you
only have one employee, you
can be fined $17,000 for not
posting required notices. Our
poster includes all notices in
one convenient poster.
Pick yours up Today!!!
Employment Posters 2015
Members
Non-Members
$55.00
$74.00
Directory of Members
Available to all at No Charge
Website Advertising - Members Only
Contact Chamber Office for pricing
and options
Free to Members Only
Display of Cards & Brochures in the
Chamber Office
Referrals From:
Phone Calls Walk-In's Internet
First Hotspot in Newsletter (first 90
days of membership)
The 2015 California and Federal Employment Poster Set is now available
at the Greater Tehachapi Chamber of Commerce. The price is $55.00 for
members and $74.00 for non-members, which includes Poster Protect.
Pick yours up Today!!!!
Advertising - Members Only
Newsletter Hotspot
Newsletter Card
per month
per year
Relocation Packet
Insert/per year
$ 35.00
$ 25.00
$200.00
$125.00
shop
local
!
Support your local business community
www.tehachapi.com
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SUN
MON
TUE
WED
Calendar of Events
April 2015
5
12
6
City Council Mtg 6 PM
Claude L Wells
Education Center
13
7
1
GTEDC Mtg
7:30 AM The Shed
2
8
9
15
16
Bottomline Bookkeeping
Service Chamber Mixer &
Grand Opening 5-7 PM
Ribbon Cutting 5:30 PM
Board of Directors Mtg
100 S Robinson St
Chamber Office 5:30 PM
661-823-4921
14
THU
FRI
First Friday Art
Reception 5-8 PM
3
10
TUSD Board Meeting 6 PM
26
Celebrity Bartender for
Charity Souza Family
Vineyard 2-5 PM
20
21
Government Reps
See page 6 for appt info
CHAMBER LUNCHEON
Pacino's 12:00 PM
City Council Mtg 6 PM
Claude L Wells
TVRPD Board Mtg 5:30 PM
Education Center
490 West D St
27
28
Rotary "Spring Fashion
Show" 5-8 PM BeeKay
22
29
23
30
24
4
TVRPD Easter Egg Hunt
9:30 - 11:00 AM
West Park 661-822-3228
11
17
Non-Profit Showcase
5-8 PM West Park Activity Ctr
818-519-7144
19
SAT
18
Annual Brite Lake Fishing
Derby 7AM to 1 PM
661-823-3228
Bark for Life Dog Walk
9 AM Railroad Park
25
Wildland Fire Expo
11 AM - 2 PM Meadowbrook
Park 661-823-1001
Theatre 818-519-7144
TUSD Board Meeting 6 PM For detailed information on events, visit our Community Calendar at www.tehachapi.com
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