North Coast Business Journal - October 2013

7/27/2019 North Coast Business Journal - October 2013

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Submitted byNicole Ard

City ManagerSomething exciting is happening every

day in Sandusky, Ohio; thrills beyond theknuckle wrenching roller coasters that roarsummer through fall. Delight beyond ourfabulous, breathtaking views of SanduskyBay and Lake Erie long loved by boaters,shermen, and folks just soaking in thespectacular scenery.

People throughout the City are workingtogether to create great things, help people,and continue the improvements of both our

physical and human infrastructure.Sandusky is leveraging this positive progressto help secure our City and regions place asa force to be reckoned with in our stategiven our natural and man made assets, ourworkforce, and ability to provide a great mixof housing options, superior service,excellent schools, and an outstandingquality of life and business environment.

Sanduskys physical appearance ischanging-for the good! The Citys 6-year oldLandbank program partnered with the ErieCounty land reutilization council to identifydilapidated houses in need of demolition.State funds from mortgage related banksettlements have been used to demolishthese structures. In addition, the Citycontinues to promote enforcement ofproperty maintenance codes and in 2013partners with Goodwill Industries to helpmow overgrown lots when property ownersdo not maintain their property. Goodwillssupport has helped the City staff focus onneighborhood park maintenance.Sanduskys numerous parks, golf course,

marina, and boat launch continue to seeconsistent, increased usage, especially asfamilies and organizations use park facilities

for reunions, birthday parties and babyshowers, community concerts, to largefestivals, tournaments, and fundraisers.Sandusky parks have also seen more visitorsat new city outdoor movie and concertseries at the Paper District, Beats by the Bay(concerts), and Movies by the Bay, with thefamily-friendly movie series averaging over100 kids and adults at each movie.

Churches, non-prots, governments, andschools are joining local businesses tomentor and provide services to help ourchildren and families access improvededucational opportunities, develop positivelife skills, and become self-sufcient andproductive members of the community.Churches sponsor after school programsand summer feeding programs, helpingsupport children and families educationalneeds, as well as spiritual and sometimes,

the logistical support needed given parentsschedules. Innovative programs like theSandusky Librarys new Mylander

Foundation funded Baby Garden helppromote the positive benets of earlylearning opportunities for baby and family.Opportunities that have been bolstered bythe Randolph J. and Estelle M. DornFoundations recent $1Million donation toSandusky City Schools initiative to provideour regions children with the highest levelof educational training and supportavailable. Children throughout our regionwill nd unparalleled education viaSanduskys approach that is supported byBowling Green State University professors ofeducation. Sandusky area youth who enrollwill be connected to the college from pre-school through high school, the perfectcomplement to Sandusky High Schoolson-site BGSU satellite campus that allowsSandusky High students to take collegecourses in their own high school.

The investment in Sanduskys human

Focuson sanduskyand EriE county:INSIDETHIS MONTH

www.ncbj.net

MARKETING:Show Me theNumbers ............ 2

INSURANCE: SafelyDisposing of YourDevices ...............11

CHAMBERCALENDARS .......12

WELL-BOOKEDBUSINESS ...........15

ESTATE:ConvertingSavings toRetirementIncome ................ 18

LEGAL:Dads Car ............22

SALES:Strategic Plan

Have One? ..........24

TAXES: NewMedicare Taxon InvestmentIncome ...............25

HR: What is aHuman CapitalPlan? ..................26

Standard Mail

U.S. Postage Paid

Tifn, OH 44883

Permit #88

Published and Owned bySchaffner Publications, Inc.OCTOBER 2013 Vol. 19 No. 10

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

POSTMASTER: TIMELY MATERIAL. PLEASE EXPEDITE.

Celebrating19 Years of Service

Were a proud member of the following:Bellevue Area Chamber

of Commerce

Chamber of Commerceof Sandusky County

Elmore Chamberof Commerce

Erie County Chamberof Commerce

Fostoria Area Chamberof Commerce

Genoa Chamberof Commerce

Huron Chamberof Commerce

Huron CountyChamber of Commerce

Marblehead PeninsulaChamber of Commerce

Milan Chamberof Commerce

Oak Harbor AreaChamber of Commerce

Port Clinton AreaChamber of Commerce

Put-in-Bay Chamberof Commerce

Seneca RegionalChamber of Commerce

Vermilion Chamberof Commerce

Willard Area Chamberof Commerce

Sandusky, Ohio- An Exciting Place to Thrive!

See SANDUSKY, Page 6


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By Jeffrey H. BrydenEditor

Autumn signaling the comingend of this year and time to startplanning for the new one. Andtime to consider getting morebang for your advertising dollarin the coming year.

Businesses in our area of NorthCentral Ohio have, like many inthe nations business community,regrouped and refocused inrecent years. Belts, already tightened, were taken inanother notch. I doubt if many of you are stilloperating the way you were a year ago. And what will

you be doing a year from now? What can you do nowto further ensure success during the coming year?

Grandpa Bryden used to tell me dont forget thefundamentals. He never missed the opportunity toremind me to learn the basics of math and English.He knew that mastering these fundamentals would

set a good foundation for my future. Thankfully,while I privately snickered about this repetitive

mentoring, I heeded his advice.In business, a fundamental principle is getting whatyou pay for. These are the times when your pencilneeds to be sharper than ever before. Yet one elusivearea has always been in the promotion of yourbusiness or service. You know you need to advertise,and the media options are many. But which mediumshould you choose? Which will give you the greatestreturn on your investment?John Wanamaker, a department-store magnate in

the late 19th century, famously quipped that half themoney he spent on advertising was wasted, but thathe didnt know which half. How can you get both

halves of what you pay for?Every advertising vehicle that calls on you, print,

broadcast, directory and outdoor, will tell you theyrepresent the number one medium for youradvertising dollars. So how can you tell?

A current television campaign suggests that used carbuyers say show me the CarFax -- as a way to cutthrough the car dealer sales efforts and get to theheart of the cars value/repair history. Similarly, Isuggest you ask your media reps to show me thenumbers -- your audience verication.

Broadcast media usually have audience numbersand market share information from recent ratingsweeps. Indeed, the rates they charge are predicatedon the ebb and ow of viewers and listeners in theirarea. You can compare the ratings, the audiences andthe cost per rating point as a matter of cost efciency.

Print media (magazines, daily papers and businessperiodicals) are less susceptible to these audienceuctuations. The best subscribe to annual orsemiannual audits of their circulation both in thenumber of readers and the demographic qualities ofthose readers.

Ask these representatives for their most recent auditstatement. See where the copies are distributed

does it match your geographic focus? Look at thequality of the reader does their income/education/profession look like your ideal customer? Are thereextra readers above and beyond the original copy?

(Many magazines and monthly periodicals have pass-along statistics showing how many readers beyond

the original recipient see each issue.)The North Coast Business Journal has just receivedthe results of our most recent audit. Were proud toshare that:

NCBJ Readers are involved: Over 91% indicatethey regularly read or look through each issue.

NCBJ Readers involve others: Every issue has apass-along of over 4.0 readers

NCBJ Readers use the ads: Almost 49% of readerssay they frequently purchase products or services

from ads

NCBJ Readers are decision makers: Almost nineout of 10 (87%) make or have inuence overpurchasing decisions for their company

NCBJ Readers are upper income: 80% higher in$100,000+ household income than marketplacedemographics

NCBJ Readers are better educated: 276% moregraduated college and completed post graduatethan marketplace demographics

Full details of the audit are available Just call ourDirector of Sales, Dave Kahler, or Account Executive,Krista Cheek at 419-734-4838. Ask them to show youthe numbers.

The North Coast Business Journal will be takingGrandpa Brydens advice and sticking to itsfundamentals in the coming year. Well continue todeliver the biggest bang for the buck to our advertisers.

On the qualitative side, every month we will continueto bring you timely and local good news of businessin our circulation area of Erie, Huron, Ottawa,

Sandusky and Seneca counties. And continue to offeryou both personal and business tips from our regularteam of experts on Legal, Estate Planning, IT, Insurance,Sales, Business Books and Taxes.

2 October2013 North Coast Business Journal www.ncbj.net

205 S.E. Catawba Road, Suite G,Port Clinton, Ohio 43452

419-734-4838 Fax 419-734-5382

Publisher JOHN SCHAFFNER

Editor JEFFREY H. [email protected]

DirectorofSales DAVE [email protected]

AccountExecutive KRISTA [email protected]

AccountingManager ROBIN [email protected]

Layout&GraphicDesign TODD [email protected]

MARK [email protected]

CirculationManager BRUCE DINSE

NorthCoastBusinessJournal is owned and published monthly by Schaffner Publica-tions, Inc., and is mailed free to chamber of commerce members in a ve-county area:

Erie, Huron, Ottawa, Sandusky, and Seneca counties.

The editorial deadline is the 25th of each month, with the advertising deadline the

end of each month. No part of this publication may be reproduced or transmitted in any

form without the expressed, written consent of the Publishers.

We welcome submissions from readers in the form of letters, articles or photographs,

although we reserve the right to edit and condense any articles submitted. Submissions

should be sent to the editor at the above address. Include a stamped, self-addressed

envelope if you would like an item returned. We prefer material (copy & photos) to be

submitted electronically.

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

Get the Most from Your Advertising BudgetTell your Media Rep: Show Me the Numbers

The Sandusky County Economic DevelopmentCorporation (SCEDC) received a Local Economic

Assistance Program grant awarded by AEP Ohio. Thegrant award of $5,000 will help the SCEDC with aunique initiative to re-shore jobs to Sandusky County.

AEP Ohios Local Economic Assistance Programgrants support projects that promote the retentionand attraction of manufacturing jobs and investment.Examples of acceptable programs and projects areretention and expansion surveys, site feasibilitystudies, retaining existing industries, attracting newindustries, conducting special studies, performing

research and other creative uses.We are pleased to be able to provide nancial

support to help facilitate economic developmentprojects that help to bring jobs and prosperity to localcommunities, said Pablo Vegas, AEP Ohio presidentand chief operating ofcer.

AEP Ohio has offered grants to local economicdevelopment organizations since 2005. To date, 186grants totaling $569,675 have been awarded tosupport projects in communities and countiesthroughout the AEP Ohio service territory.

The Sandusky County Economic DevelopmentCorporation Receives $5,000 Grant from AEP Ohio.


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www.ncbj.net North Coast Business Journal October 2013 3

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Submitted by Peter ZaehringerAs designated by Governor Kasich, the Erie

County Economic Development Corporation(ECEDC) is the lead economic developmentorganization for all of Erie County and its beautiful

communities. While we take this individualresponsibility very seriously, we understand thateconomic success is the result of collaboration andexpertise.

That is exactly what we practice at ECEDC. Wework with business leaders, elected ofcials, andother stakeholders from various communities inErie County on a daily basis. Whether its partneringwith Erie County Planning, the City of Sandusky,or with one of our wonderful Townships or Villages- our goal is to always assemble a team that willmake what our businesses and communities needpossible. Our JobsOhio partners at Team Northeast

Ohio (Team NEO) also frequently join our localefforts, bringing additional statewide and/orinternational experience to the table. The moredecision making information we have, the better.

One such team effort has led to one of the largestautomotive expansions in Erie County in the last15 years. Just this past year, a team from the City ofHuron, JobsOhio, Team NEO and ECEDC cametogether to answer International AutomotiveComponents (IAC) call for assistance. By workingcollaboratively, we were able to negotiate an

incentive package and an infrastructureimprovement grant to help strengthen IACs Huronlocation, which resulted in securing IACs $5million capital investment, retaining close to 600current employees, and creating an additional 143

new jobs for our area.As it so often happens in economic development,ECEDCs unique status as a private not-for-protorganization helped satisfy IACs initial concernsregarding condentiality, as they were biddingagainst locations in Michigan and potentiallyMexico. Once the details of the expansion wereknown we were also able to satisfy IACs nextconcern about getting this done yesterday. At theend of the day, this expansion was a result of therelationships we have with businesses, our effectiveand efcient communication with local, regionaland statewide economic development organizations,

and our ability to move at the speed of business atrue collaboration.

As a matter of fact, it was because of this teamworkand the timeframe in which we helped IAC, thatwe were recently honored by winning a 2013 TeamNEO Economic Development Plus Award in thecategory of Business Expansion/Retention for ourefforts in securing this expansion in the City ofHuron -it was no accident this happened in ErieCounty due to the collaborative efforts of our team.

While this is just one example, there were many

others that helped to create 332 jobs and retain3,173 jobs in Erie County since my arrival atECEDC in November 2010. Some of these jobscome as a result of entrepreneurs taking advantageof our Regional Incubator for Sustainability (RISE)while others were a result of our Business Expansion& Retention (BEAR) program, which focuses onoutreach to the business community.

Photo courtesy of Sandusky Register - Fltr: TomWaltermire, CEO Team NEO; Andy White, CityManager City of Huron; Jason Miller, Plant Manag-er IAC Huron; Peter Zaehringer, Executive DirectorECEDC; Brad Hartung, Vice Mayor City of Huron;Ted Kastor, President ECEDC; Paul Clark, Team NEO

Chairman

Erie County - Working Together

See TOGETHER, Page 5

N th C t B i J l O t b 2013 5


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It is no secret in economic development that youmust support existing businesses, as 80 % of jobgrowth in any given community comes from existingbusinesses. However, it is imperative that thisoutreach be proactive, and our BEAR program isdesigned to do exactly that. Outreach through ourBEAR program helps us be involved and intertwinedwith the business community, creating relationshipsthat are conducive to a business friendly communityand offer outcome oriented results that ultimatelyresult in job stability (retention) and growth.

Another form of collaboration in our efforts to

improve the local economy is our newly formedindustry roundtable for Erie County basedmanufacturers. Over 20 industry representatives andvarious partners from MAGNET, BGSU Firelands,EHOVE, Governor Kasichs ofce, and our local JobStore joined us to strategically address challenges andopportunities the industry faces and to link thesemanufacturers to resources available in the NortheastOhio region.

Our Business Appreciation Week (BAW) is anotherform of collaborative outreach in which we thankErie County based businesses for making us their

home of choice. The Northcoast Young Professionalshelp us tremendously during this blitz-week eventin order to visit as many businesses as we possiblycan. Often, these visits result in follow-up meetingsto discuss various challenges and opportunitiesECEDC may be able to assist with.

Our outreach efforts have also extended outsidethe county in order to foster a solid relationship withour economic development partners in Northeast

Ohio. Last year, ECEDC partnered with the Lake ErieShores & Islands (LESI) Visitor and ConventionBureau to welcome representatives from six differentNEO economic development organizations for aFamiliarization Tour of Erie County. Since NortheastOhio accounts for 35.6 percent of Ohios gross stateproduct, collaboration with these experts in businessexpansion, retention, attraction and businessdevelopment can create many opportunities for ErieCounty businesses, and this tour served to educateour partners on the many natural and man-madeassets Erie County has to offer. As a result, our

partners at Team NEO now include Erie County andthe City of Sandusky in their global marketingefforts, a rst for our area. All of these efforts haveand earned us a statewide reputation that ErieCounty is a good place for business.

Another exciting development for Erie County isthe newly formed Erie County Port Authority. Thanksto the Erie County Commissioners we will have themost advanced nancing tool in our economicdevelopment toolbox, and Im looking forward toworking with them as a team.

I initially mentioned economic success being a

result of expertise and collaboration and with theimplementation of our many programs andinitiatives, I am condent that Erie County ispositioned to thrive and grow. We have thecollaboration and tools in place to compete with anyregion domestically, or even globally. Going forwardwe must continue to ne-tune and evolve. I sayevolve because it would be nave to think were donelearning and growing as a community.

TOGETHER, from Page 4

By John MoldovanPresident, Erie County Chamber of Commerce

Last year, this article noted the optimism that wehave for the future of Sandusky and Erie County.This year, that optimism for the economy of our

community continues.We are blessed with some of the Worlds most

amazing natural assets, with Lake Erie and theIslands. On landside, we have a great farmingeconomy, and an abundance of available land forvarious other kinds of development. That landavailability has been enhanced in the City ofSandusky, due to the demolition of old, non-productive buildings, such as the Apex building onFirst Street; and the announced demolitions of theDixon-Ticonderoga and Keller buildings. Alsoexpected to be demolished is the former SanduskyCabinets building.

One could look at these measures and lament thepassing of much of Sanduskys former industrial past.Thats the glass half empty outlook. Who knowswhat could be developed on these former industrialproperties? What they present for us now isopportunity, and there is no lack of interest and

commitment on the part of community leaders tocapitalize on that opportunity.

It wasnt too long ago that Downtown Sanduskywas on a downward spiral, but with public andprivate investments over the past two decades, this

area is another source of pride for our citizens, and anintegral part of the communitys economy. It remainsa positive work in progress.

The quality of life we enjoy here is rst rate, and itdoes not take money to enjoy many of our amenities.Examples include enjoying free concerts and artexhibits on Thursday evenings, classic cars on Fridayevenings, the simple joy of seeing a youngstercatching a sh on the Jackson Street Pier, or justwalking around and enjoying our parks and uniquearchitecture. These things are not necessarilyavailable to others around the country, and its veryeasy to take them for granted. The assets of Cleveland,Toledo, and Columbus, as well as Pittsburgh and Eriein Pennsylvania, are an easy drive. Amtrack providesus with comfortable travel to Chicago, New York, orWashington, D.C. Better yet, it brings people to ourcommunity from those and other locations!

Our students receive quality educations in our local

schools, and have the opportunity to earn a collegedegree at signicantly lower costs at BGSU Firelandsand Terra State Community College. Specializeddegree work can also be pursued at Ohio BusinessCollege. Vocational education and training, for both

high school students and adults, is abundant throughthe outstanding facilities of EHOVE. Were alsowithin an hours drive of a large number of publicand private colleges and universities.

Our medical facilities are multiple and world class.We think this is a great place to live, work, and raise

a family. Dont stop and smell the roses. Better yet,stop and consider all we have available to us in ourcommunity.

Sandusky & Erie County: Progress in Progress

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infrastructure is as exciting as the Cityscontinued changes to physicalinfrastructure. Unsightly, abandonedresidential units in disrepair are beingdemolished. Abandoned factories andcommercial properties have been securedto protect residents, drivers, or walkers inneighborhoods. Owners have providedplans for securing properties, addressingbuilding violations, or bringing backactivity in those spaces. The City hasworked with owners to help register thesebuildings, nd potential buyers or folks tolease them, as well as funds to help. Thishas included several buildings recentlydemolished or readying for demolition,including the C.W. Body Building, theWisteria Farms Buildings, and thewaterfront Apex Building, and theupcoming demolition of the Keller Building

in Historic Downtown, as well as theformer Sandusky Cabinets site nearDowntown. The City anxiously awaits thecompletion of the restoration of the formerRieger Hotel Building into senior livingapartments later this year, as well as theopening of several new restaurants andentertainment establishments inDowntown. The City has partnered withseveral private and non-prot businessesto support the upcoming business ventures

using federal grant funds. This is theperfect complement to our Citys effortswith restored and renovated historicbuildings, new businesses, additional jobs,and more venues for folks to enjoy all yearlong. Sandusky City Commissioners, staff,volunteers, businesses, and organizationsare working together to provide year-round, premier quality of life andinfrastructure for current and futureresidents and businesses.

Where else can you nd palm trees andclocks made of owers, mingling amonglighthouses and stunning oral displays ofplants grown in a City green house poweredby solar and volunteer power? You donthave to travel far for walkable and bikeabletree-lined streets linking museums, historichomes, great restaurants and theatre;children playing in parks, literally making

a splash in splash pads; and festivals thatalso make a splash, lled with music,food, wine, arts, and pets to pumpkins,motorcycles, and great waterfront views allyear-long. Like October 19th, whendowntown businesses will open for aspecial trick or treat during the morningfollowed by the Boo at the Bay festivalfor families-food, games and pumpkinstogether at the Sandusky Bay Pavilionfrom 12-4pm. Please join us!

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CitizensWM.com

The decisions you make now will affect your income for the rest

of your life. Should you take a lump sum or the annuity fromyour pension? Our investment advisors can help you analyze

your options and make the decision that best fts your needs.

To learn more, contact one of our wealth management

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Firelands Regional Medical Center is

proud of providing the communitywith a higher level of care asexemplified by the numerousaccreditations it receives each year.

Quality is always a top priority atFirelands Regional Medical Centerand part of our strategic plans andgoals, said Patty Martin, vicepresident of quality & patientsatisfaction. Our patients can beconfident that when choosingFirelands, they are receiving the

highest-quality of care possible. Thevarious accreditations we receiveenforce that.

So far in 2013, Firelands RegionalMedical Center has been awardedthe following accreditations:

Re-certied as Primary StrokeCenter by the Healthcare FacilitiesAccreditation Program (HFAP).This distinction means thatFirelands has demonstrated and iscommitted to providing excellentstroke care to patients. Firelandshas been certied as a PrimaryStroke Center since 2007.

Vascular Testing Accreditation bythe Intersocietal AccreditationCommission (IAC). Thisaccreditation shows that Firelandshas undergone a thorough reviewof its operational and technicalcomponents by a panel of experts.Accreditation is awarded only tothose facilities that are found to

be providing quality patient carein compliance with nationalstandards.

Mission: Lifeline Accreditationby the American Heart Associationand Society of CardiovascularPatient Care. The only one in theregion to earn this accreditation,this recognition shows that

cardiac patients at Firelands get

the right care they need as quicklyas possible.

Heart Failure Accreditation fromthe Society of CardiovascularPatient Care. This accreditationdemonstrates that Firelands iscommitted to effectivelymanaging the increasing numberof heart failure patients.

Blue Distinction Center in SpineSurgery by Anthem Blue Crossand Blue Shield of Ohio. The only

one in the region with this honor,the Blue Distinction is awarded tomedical facilities that havedemonstrated expertise indelivering quality specialty care,including better quality andimproved outcomes for theirpatients, with lower rates ofcomplications and readmissionsthan their peers.

Facilities Accreditation from theHealthcare Facilities AccreditationProgram (HFAP). By being HFAPaccredited, Firelands has provenit has a commitment to qualitypatient care. Accreditation isbased on federal standards, aswell as recognized nationalstandards for patient safety,quality improvement, andenvironmental safety.

Commitment to quality isnt justsomething we talk about at Firelands,explains Martin Tursky, president and

CEO of Firelands Regional MedicalCenter. Its something we practiceevery single day.

To learn more about all of FirelandsRegional Medical Centersaccreditations, recognitions andcertications, visit Firelands.com/quality.

Firelands Regional MedicalCenter Demonstrates Quality Care

8 October 2013 North Coast Business Journal www ncbj net


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Submitted by Scott SchellExecutive Director

The Ohio Housing Finance Agency(OHFA) announced it has receivedapproval from the U.S. Department of

the Treasury to utilize up to $60million of remaining Hardest HitFunds (HHF) to assist with stabilizinglocal property values through thedemolition of vacant homes acrossthe state.

The Neighborhood InitiativeProgram (NIP) is designed to stem thedecline in home values and preventfuture foreclosures of existinghomeowners in communities affectednegatively by vacant and abandoned

properties.Vacant and abandoned propertiesare depressing home values andweakening efforts to revitalizecommunities across Ohio, said TimMassad, Assistant Secretary forFinancial Stability. That is whyTreasury is pleased to help Ohio utilizethe Hardest Hit Fund to addressneighborhood blight and therebyprevent foreclosures and strengthenthe housing recovery.

OHFA will utilize up to $60 million

of the states $270 million remaininguncommitted foreclosure preventionfunds. The Agency was allocated$570.4 million from U.S. TreasurysHHF to administer the statesforeclosure prevention program, Savethe Dream Ohio in 2010.

Vacant homes, which are notmaintained, put a neighborhood atrisk, said David Goodman, Directorof the Ohio Development ServicesAgency and OHFA Board Chairman.

By taking them down, the value of

the other homes is protected and theneighborhood is safer. NIP will beavailable to up to 16 Ohio countiesthat have an established land bank.OHFA will develop and issue a Request

for Proposals from the states landbanks in future months.Applicants will be responsible for all

aspects of the property acquisitionand removal as well as plans forgreening and ongoing maintenanceof the property. The maximumamount of assistance per property is$25,000 with an estimated averageamount of assistance of $12,000.Therefore, it is estimated that nearly5,000 vacant and abandoned homes

will be demolished statewide throughNIP.The program is expected to begin in

early 2014 and conclude by December2015.

Land Bank Assisting Vermilion inProperty Acquisition

The Erie County Land Bank acquiredthe former Fulper Auto Parts propertyin downtown Vermilion. The half-acre vacant parcel, located at thecorner of Liberty Avenue and Grand

Street, has been transferred to Cityownership. The City will now seekgrant funding to remediatecontaminated soil around previouslyremoved underground storage tanks(USTs). Once the cleanup is completethe city will have a redevelopment-ready site in the heart of theirdowntown.

Moving Ohio Forward DemolitionProgram:

Progress continues with the Ohio

Attorney Generals Moving OhioForward demolition program. 25Properties from the City of Sandusky,City of Huron, Perkins Township,Vermilion Township and OxfordTownship are included in thepreliminary round of the program. Allproperties have completed theirasbestos abatement work and alldemolitions should be completed bythe end of September. It is estimatedthat there will be enough grant moneyavailable after the initial 25demolitions, to potentially includeeight to ten additional properties inthe program prior to the December

31, 2013 deadline.Moving Ohio Forward Funding AidsDowntown Huron Redevelopment

The Erie County Land Bank isassisting the City of Huron with theirredevelopment efforts in downtownHuron. The mixed-use property,located at the corner of ClevelandRoad and Main Street, was demolishedby the Land Bank as part of theMoving Ohio Forward Program. Inpartnership with the County LandBank, the city has removed a blightedproperty in their downtown andcreated highly desirableredevelopment opportunity.

News in Erie County Land Banking



9/32


As the air turns cooler and the

days grow shorter, area familieshave just a few more weeks toenjoy a tradition thats 144 yearsin the making. The last weekendin October is bittersweet forcoaster lovers and tourists whoock to Sandusky from aroundthe world, marking the end of the17th annual HalloWeekends andanother successful season at CedarPoint.This past season, Cedar Point

redened thrills and transformedits main entrance with GateKeeper,a wing roller coaster that shatteredseven world records including thelongest track, tallest drop andmost inversions of any wingcoaster in the world. GateKeeperhas already taken more than 2million riders on an exhilaratingjourney that soars along the CedarPoint Beach and over the gate. Itearned top ratings from coaster

enthusiasts, who ranked it No. 3on a long list of the best new ridesin the world. And it solidiedCedar Points long-running titleof Best Amusement Park in theWorld, an honor it has earnedfor each of the 16 years AmusementToday has hosted the prestigiousGolden Ticket Awards.Although the rides will soon

cease to run again until May,Cedar Points leaders and full-time staff have already begunswitching gears to prepare for thecoming year.While Cedar Point and its

Sandusky-based parent companyinvested in thrill seekers withGateKeeper, the park is focusedon expanding its family attractionsfor 2014. Joining Cedar Pointsimpressive lineup of rides nextsummer will be Pipe Scream a

DiskO Coaster, and Lake ErieEagles a Flying Scooters ride.Located along the Gemini Midway,Pipe Scream combines the best ofa roller coaster and a at ride inone, while the Lake Erie Eagleswill introduce a new generationto a classic amusement ride thatputs kids at the helm. A paddle on

the carriages allows guests to

control their own flightexperience, making it the perfectt for the young and young-at-heart alike.Cedar Point will also continue to

cater to travelers as it begins atwo-year renovation of its historicHotel Breakers, which dates backto 1905.All of these exciting

transformations will be madeunder the

leadership of anew vice presidentand generalmanager, JasonMcClure. He willtake the rolepreviously heldby H. JohnHildebrandt, whois retiring at the

end of the 2013 season after 40years of service with Cedar Point.

McClure is new to Cedar Pointbut no stranger to the Cedar Fairfamily, serving as vice presidentand general manager of DorneyPark and Wildwater Kingdom inAllentown, Pa. since 2008.He began his career in the nance

division of Cedar Fairs Carowindspark in Charlotte, N.C., andserved as vice president of nanceat Cedar Fairs Kings Island inCincinnati prior to coming toDorney Park. This industry getsin your blood, he said. Theteamwork and kindred spirit ofthe staff at each of the parks Ihave been fortunate to be a partof sets this industry apart. It is anhonor to have the opportunity tojoin the team at Cedar Point.McClure believes Cedar Point's

success is, and will continue to be,based on executing the

fundamentals. "Cedar Fair's visionis to be the entertainment ofchoice, employer of choice andinvestment of choice. Theapproach to Cedar Pointaccomplishing these objectivesisn't complicated. Treatingassociates with respect and valuingthem, puts them in the position

to deliver our guests the 'best dayof the summer' experience theyexpect from a visit to Cedar Point."Continuing to provide new and

memorable experiences is core tothe parks ongoing success, hesaid."There are always opportunities

to improve the guest experienceand Cedar Point will continue toidentify those opportunities andtake action on them. Expect us to

continue to nd new and excitingways to leverage our uniquelocation on Lake Erie. An objectiveof mine is that along withdelivering the excitement of avisit to Cedar Point through ourrides and roller coasters, we alsofocus on making the experiencepleasant - higher quality and

additional food options, moreentertainment and interactiveexperiences, additional shade andcomfortable seating."In addition to attracting

approximately 3 million visitorsper year, Cedar Point hosts avariety of corporate programsranging from discounted ticketsto educational events andcompany picnics. The park is stillopen for HalloWeekends from 6

p.m. to midnight on Fridays, 11a.m. to midnight Saturdays andnoon to 8 p.m. Sundays throughOct. 27. For more information onthe parks rides, attractions orgroup sales information, visitcedarpoint.com or call 419-627-2350.

Cedar Point Gaining NewLeadership, Family Attractions for 2014



10/32

Bowling Green State UniversityFirelands College is investing in itsfuture to ensure that it will continueto meet the higher education needs ofthe community.

Since its opening nearly 50 yearsago, BGSU Firelands has grown: in thenumber of students, the expansion ofassociate and bachelors degreeprograms, the breadth and expertiseof the faculty and staff, and improvedfacilities and services.

This fall, enrollment increased by 2percent, making it the only campus innorthwest Ohio to report an increasein the number of students served.We are delighted by this enrollmentgrowth, said BGSU Firelands Directorof Enrollment Services DebraleeDivers. The ability to complete yourbachelors degree at the same tuitionrate as our associate degrees makesBGSU Firelands a great value for ourstudents.

New programs have been importantto enrollment growth and the successof graduates. In the past several years,the college has added an associatedegree program in diagnostic medical

sonography, a bachelors degree insocial work, and a medical scribecertificate program, the latterproviding support for medicalprofessionals as they transition to

digital records. An associate degree insports and tness management is alsoplanned for the BGSU Firelandscampus in partnership with LorainCounty Community College. Thisdegree will provide a natural pathwayfor students to complete the bachelorsdegree in exercise science available onthe Bowling Green campus.

We continue to explore additionaldegree programs that respond to theneeds of employers and students inour community, including 3+1programs where the rst three yearsof a bachelors degree program can becompleted on the BGSU Firelandscampus , with students nishing theirlast year on the Bowling Greencampus, shared Executive AssociateDean Andrew Kurtz. Combined withour online courses and degrees andour extensive offering of eveningcourses available at BGSU Firelands,Norwalk High School, and Sandusky

High School, completing a collegedegree and beginning a new careerhas never been easier.

BGSU Firelands has also added asignicant number of new faculty

members to teach and mentorstudents. New faculty with expertisein areas such as, biology, chemistry,communications, English, geology,mathematics, philosophy, socialWork, respiratory care technology,diagnostic medical sonography, andvisual communication technology,many having earned the highestdegree in their discipline, have joinedthe college faculty, bringing theirknowledge and passion to the

classroom and beyond. The qualityof a college or university is reectedin the quality of its faculty, saysBGSU Firelands Dean William Balzer.We are fortunate to have such anoutstanding group of new faculty joina highly experienced group of seniorfaculty members who have beenrecognized for their teaching,scholarship and service to thecommunity. Along with ourexceptional staff and part-time faculty,who bring their real-world experiences

into the classroom, students at BGSUFirelands receive a rst-rate collegeexperience on a beautiful campus at avery affordable price.

Increased enrollment and newprograms require continuedinvestment in the facilities andservices offered to students. TheTeaching and Learning Center, which

supports student success throughtutoring and academic mentoring,has been doubled in size to provide awelcoming and supportiveenvironment. Renovations and

enhancements to the College Library,creation of quiet study areas, andupgrades to computer labs providestudents with the help they need fortheir classes. Many critical studentservices such as orientation andadvising have been redesigned to helpget students off to a great start and tosupport them through their entireacademic career. Discussions are alsounderway to determine how best toensure that facilities to support

science, nursing, and allied healthcourses and programs are available tocurrent and future generations ofstudents who choose BGSU Firelands.

From its beginnings in 1968 withunder 600 students, to an institutionof approximately 2,500 studentsenrolled in 15 associate degrees in 22areas of study, nine bachelors degrees,two masters degrees, and threecerticate programs, BGSU Firelandscontinues to grow. Firelands Collegeoffers a diverse range of opportunities,

said Balzer. With the support ofBGSU President Mary Ellen Mazeyand the entire BGSU community, wewill continue our commitment to theentire Firelands community providing higher educationopportunities to support theprofessional and personal fulllmentof every student.

j

Rick Tobey, D.O. has joined the Families of The Bellevue Hospital, Dr. Doug Hoy andBuckeye Medical, Inc., as a family medicine physician. He is accepting new patients and looks forward tobecoming involved in the community. Dr. Tobey was raised in Dayton and has resided locally for the past

two years. He and his wife, Leah, are actively raising their five children. Dr. Tobey is an active member

of his church, participates in Boy Scouts, and is setting up a saltwater reef aquarium in his office.

Rick Tobey, D.O.1265 West Main Street, Suite A Bellevue, Ohio 44811

419.483.1991

Education:

College of Eastern Utah, Price, UT, Associate of Arts Degree

Wright State University, Dayton, OH, Bachelor of Science in Biological Science

Graduate & Post-Graduate Training:

Michigan State University, East Lansing, MI, Doctor of Osteopathic Medicine

Henry Ford Hospital, Wyandotte, MI, Rotating Internship

Firelands Regional Medical Center, Sandusky, OH, Family Medicine Residency

Dr. Tobey is a Board Certified member of The Bellevue Hospitals Medical Staff. Now Accepting New Patients

BGSU Firelands Investing for the Future



11/32

j

Submitted by: Mark T. ReillyI often discuss the risks involving

Cyber Liability and Security tomy customers, and today I amaddressing another aspect of thisriskdevice disposal. Getting anew computer, notebook, tabletor other technology for yourbusiness is often necessary tokeep up with the times. Afterpurchasing new technology, you may decide todispose of your old devices. Whether you recycle,give to a family member or employee or donate toa charity, a school or a soldier, you need to protect

the information on the devices from exposure.However, removing your information is harderthan it seems. Systems are set up to protect us fromlosing information we needwhen we delete a le,we can still get it back. Similarly, others who getyour discarded computer or other device can get itback, too.

You need to take extra steps to remove informationfrom your computing devices before you discardthem. That private data could harm you, youremployees or your business if it ends up in thewrong hands. Private data, such as insurance and

banking information and account numbers, taxinformation, Social Security numbers, healthinformation, customer names, addresses andaccounts, employee payroll and benet informationand passwords all have value to hackers andthieves, opening the door for identity theft. Yourbusiness reputation is at risk, along with customercondence, and signicant nancial losses are avery real possibility.

Removing information from computing devices iscalled clearing. The National Institute for Standardsand Technology (NIST) states that clearing is alevel of media sanitation that does not allowinformation to be retrieved by data, disk or lerecovery utilities. It must be resistant to keystrokerecovery attempts from standard input devices[such as a keyboard or mouse] and from datascavenging tools.

Techniques for Removing InformationThree ways of removing information from your

computing devices, from the least effective to mosteffective, are deleting, overwriting and physicallydestroying the device holding your information.

1. DeletingDeleting information is not effective. It removes

pointers to information on your device, but it doesnot remove the information. This holding areaessentially protects you from yourselfif youaccidentally delete a le, you can easily restore it.However, you may have experienced the panic thatresults from emptying the trash bin prematurely orhaving a le seem to disappear on its own. The

good news is that even though it may be difcultto locate, the le is probably still somewhere onyour machine. The bad news is that even thoughyou think youve deleted a le, an attacker or otherunauthorized person may be able to retrieve it.

Do not rely on the deletion method you routinelyuse when working on your device, whether movinga le to the trash or a recycle bin or choosingdelete from a menu. Even if you empty thetrash, the information is still there. It can beretrieved.

2. OverwritingOverwriting is effective on all computing devices.

It puts random data in place of your information,which cannot be retrieved because it has beenobliterated. While experts agree on the use ofrandom data, they disagree on how many timesyou should overwrite to be safe. While some saythat one time is enough, others recommend at leastthree times, followed by zeroing the drive (writingall zeroes).

There are software programs and hardware devicesavailable that are designed to erase your hard drive,CD or DVDbut because these programs anddevices have varying levels of effectiveness, it is

important to carefully investigate your options.When choosing a software program to perform thistask, look for the following characteristics:

Secure Erase is performed. Secure Erase is astandard in modern hard drives. If you select aprogram that runs the Secure Erase command,it will erase data by overwriting all areas of thehard drive, even areas that are not being used.

Data is written multiple times. It is importantto make sure that not only is the informationerased, but new data is written over it. Byadding multiple layers of data, the programmakes it difcult for an attacker to peel awaythe new layer. Three to seven passes is fairlystandard and should be sufcient.

Random data is used. Using random datainstead of easily identiable patterns makes itharder for attackers to determine the patternand discover the original informationunderneath.

Zeros are used in the nal layer. Regardless ofhow many times the program overwrites thedata, look for programs that use all zeros in the

last layer. This adds an additional level ofsecurity.

3. Physical DestructionPhysical destruction is the ultimate way to prevent

others from retrieving your information. Of course,you should physically destroy the device only ifyou do not plan to give it to someone else.

Specialized services will disintegrate, burn, melt

or pulverize your computer drive and other devices.If for some reason you do not wish to use a service,it is possible for you to destroy your hard drive bydrilling nails or holes into the device yourself oreven smashing it with a hammer. Never burn ahard drive, put it in the microwave or pour acid onit.

Some shredders are equipped to destroy exibledevices such as CDs and DVDs. If you smash orshred your device yourself, the pieces must be smallenough that your information cannot bereconstructed; 1/125 is ideal. Wrap the CD orDVD in a paper towel when destroying it to limitshrapnel.

Magnetic devices, such tapes, hard drives andoppy disks, can be destroyed by degaussingexposing them to a very strong magnet. Degausserscan be rented or purchased. Because of the expense,degaussing is more appropriate for businesses thanfor individuals. It should not be used if someoneelse will be using the device because degaussingdestroys not only the information but also thermware that makes the device run.

Mobile Phone and Tablet AdviceAlthough the exact steps for clearing all

information from your mobile phone or tablet aredifferent for each brand and model, the generalprocess is the same.

1. Remove the memory card if your device hasone.

2. Remove the SIM (Subscriber Identity Module)card.

3. Under Settings, select Master Reset, WipeMemory, Erase All Content and Settings (or asimilarly worded option). You might need toenter a password you have set, or contact a

local store that sells the equipment forassistance with a factory-set password.

4. Physically destroy the memory card and SIMcard, or store them in a safe place. (Memorycards can typically be reused, and SIM cardscan be reused in a phone that has the samecarrier.)

5. Ensure that your account has been terminatedand/or switched to your new device.

For detailed information about your particulardevice, you can consult online documentation or

the staff at your local store.

Your Cyber Liability ExpertsFor more inormation on how to keep your

sensitive data sae, contact Diversifed InsuranceService today at 800-848-2788 or visit www.divinsurance.com.

Safely Disposing of Your Devices

Insurance



12/32

Bellevue Chamber of Commerce

19 BusinessExpo BellevueElementarySchool 10am2:00p.m.

Reserveboothspaceby10/11

Erie CountyChamber of Commerce

17 OpenHouse DiamondCollection; 1E.MainStreet;Norwalk at5:15p.m.

24/25 COSESmallBusiness

ConventionatKalahari

29 K-96Halloween BusinessAfterHours GhostlyManorThrillCenter 3319MilanRoadat5:15p.m.

Genoa Chamber of Commerce

5 BrunnerCampus 1stAnnualFallFestival

8am5p.m.10 ChamberBoardMeeting 7:30amatRayzCaf

23 GenoaCivicTheatre Boardmeeting7p.m.

Huron Chamber of Commerce

17 25thAnniversaryAfterHours HostedbyThe

DiamondCollection, 1E.MainSt.,Norwalk.

Huron CountyChamber of Commerce

9 MembershipCommittee 8:00am, Chamberofce

10 SafetyCouncil GeneralRisk,7:30am,

Chamberofce,RSVP

BoardofDirectors, 4p.m.@Beirkeller

RegionalAfterHours, 5:00p.m.@Beirkeller Restaurant,Bellevue

16 EducationComm., 8:00am,Chamberofce

17 SafetyCouncil Manufacturing,7:30am,

Chamberofce,RSVP

DiamondCollection 25thAnniversaryCelebration, 1EastMainSt.,Norwalk

Marblehead PeninsulaChamber of Commerce

10 ShortDirectorsMeeting 6:00pm

SetupforLighthouseFestival

12 Lakeside-Marblehead LighthouseFestival 9:00amto4:00p.m. Lakeside-NoGateFee

12 MarbleheadMerchants Shopping FreeShuttleService

17 BusinessAfterHours

5to7:00p.m. Hostedby:GhostlyManor

18 RSVPsduefor BusinessOverBreakfast CallJudyat419-734-9777

23 BusinessOverBreakfast 8:00to9:30am MarbleheadGalley LarryFletcher:Tourism

31 ExecutiveMeeting

10:00amChamberOfce

Oak HarborChamber of Commerce

12-13 AnnualAppleFestival DowntownOakHarbor Detailsat www.oakharborohio.net

17 BoardMeeting

7:30am,ChamberBuilding

26 FarmersMarket LogCabinPark 9am-1pm

Port Clinton AreaChamber of Commerce

7 CommunicationsCommittee 8:30am

8 DesignCommittee: 8:30am

10 OrganizationCommittee 8:30am

CandidatesNight 7:00pmattheElksLodge

11 BenetsCommittee 8:30am

RibbonCutting: CommonGrounds@10:00am

14 BoardMeeting 8:30am

ReverseRafeCommittee 9:30am

15 AmbassadorCommittee 8:30am

16 WalleyeFestivalCommittee 8:30am

17 MainStreetPC BoardMeeting:8:30am

24 PromotionCommittee 8:30am

26 DowntownTrickorTreat 1:00pm-3:00pm

ZombiePubCrawl andBall:7:30pm. Tickets$10.

Sandusky CountyChamber of Commerce

10 RescheduledRegionalBAH atBierkeller,5:007:00p.m.

15 FinanceCommittee

12:30p.m.

FoundationMeeting 12:45p.m.

ExecutiveCommittee 1:00p.m.

21 Health&WellnessCommittee 2:00p.m.

24/25 SmallBusiness Convention,

KalahariinSanduskyOhio

Seneca CountyChamber of Commerce

9 SmallBusinessBasicsSeminar 9:30amto11:30am. Afree,two-hourseminar CommunityroomofChamber

12 Downtown

TifnFarmersMarket 9amto1pm. SponsoredbytheChamber S.WashingtonSt.between E.PerrySt.andE.MarketSt.

15 SenecaCounty HumanResourceAssociation 11:30am.LunchMeeting St.FrancisHome OctoberSpeaker:JanaMartin, MercyHealth

16 CashMob BailiwicksCoffeeCompany AllDayEvent!7amto5pm.

Candidates&IssuesNight 7-9pm.TifnMiddleSchool

18 AmbassadorMeeting Noon,Chamber

22 TifnAreaSafetyCouncil 11:30amatMooseLodge946

24 AnnualMeeting SenecaRegionalChamber ofCommerce &VisitorServices 5:30pm. CamdenFalls, BryanEdwards,CedarPoint. RSVPto [email protected] or419-447-4141.

Willard Chamber of Commerce

19 HarvestFest HistoricDowntownWillard. Downtown BusinessAssociation

Chamber Calendars for October



13/32

WHEN IT COMES TO

YOUR HEARTCHOOSEWorld-Clas

Care

Heart disease is the leading cause of death for both men and women.

Fortunately, the care you need to help beat the odds is right here! Our new

afliation with Cleveland Clinics Heart & Vascular Institute brings world-class

cardiovascular care to our community providing you local access to Cleveland

Clinic physicians and the latest treatment options.A team o Cleveland Clinic physicians, including two cardiologists, a vascular

surgeon and a thoracic surgeon, are now seeing patients in Norwalk and will

begin seeing patients in mid-October in Bellevue.To make an appointment

contact your local hospital.

*Any physicians who are on our Medical Staff can order these services at Fisher-Titus and The Bellevue Hospital.

F I S H E R - T I T U S . O R G | B E L L E V U E H O S P I T A L . C O M

CARDIAC SERVICES* DiagnosticHeartCatheterization CardiacStressTesting CardiacNuclearStressTesting Echocardiogram TransesophagealEchocardiogram CardioversionforAtrialFibrillation PacemakerandAICDImplantation PacemakerandAICDDeviceChecks EKG

CardiacRehabilitation

PERIPHERAL VASCULAR SERVICES* Peripheral/ExtremitiesDiagnosticUltrasoundDiagnosticAngiogramSurgicalorEndovascularStentIntervention

CarotidArteryDiagnosticUltrasoundDiagnosticAngiogram

SurgicalorEndovascularStentIntervention

And remember, you can access aull line o preventative, diagnostic,and treatment services convenientlylocated at your local hospitals:

Fisher-Titus Snyder/White Heart & Vascular Center

419-660-6946The Bellevue Hospital-Specialty Care Clinic

419-484-1022



14/32

Fisher-Titus Medical Center ofciallybroke ground early last month on an11,000 square-oot multi-purposemedical ofce acility on Norwalks northside.

We appreciate you taking time to joinus as we celebrate another exciting stepin our journey to provide an expansiono our continuum o care or our patientsand our community, said Ross Matlack,president o Fisher-Titus during a smallgroundbreaking ceremony at theconstruction site. We are excited tobring services to the north side oNorwalk and improve access torehabilitation services and IndustrialHealth programs.

Over the years, residents have expresseda desire or additional Norwalk locations

or various hospital-related health-careservices. This new acility was designedwith both aesthetics and unctionality inmind.

The frst phase o the acility at 368Milan Ave. is scheduled or completionin the summer o 2014 and includes9,000 square oot which eatures:

Hospital-based services including anater-hours care clinic with eveningand weekend hours

More convenient access or our

Industrial Health clients who comerom all over north central Ohio or

services Rehabilitation services such as

physical therapy or clients in thenorthern part o our service area.

The space also can be used orCommunity Outreach and HealthEducation programs.

Each hospital service will have itsown ofce space to provide qualityservices and meet the specifc needso patients seeking specialized care.

Many o our physician practices haveexpressed interest in a location onthe northern end o the city. With agrowing practice and the addition oDr. Nicholas Brown to their team,Drs. Marc and Kareem Dolce neededto expand their space. Their practice,Northern Ohio Foot and Ankle

Specialists, will fll a 3,400-square-oot ofce space in the acility.

We are thrilled to be able to expandour services making them more accessibleto residents in Milan, Berlin Heights,Huron and Sandusky, said Dr. MarcDolce. This new acility, which is 1,500square oot larger than our currentNorwalk ofce, will oer our patientswith added benefts including ease oparking, more handicap accessibleparking and a multi-disciplinary

approach with Fisher-Titus servicesconveniently located in the same

building. In November 2011, Patrick Martin, who

was president o Fisher-Titus, announcedplans to expand services to the north endwith the purchase o the property onMilan Avenue (US RT 250) between BobEvans Restaurant and the TSC (Tractor

Supply Company) store. Since purchasingthe property, a team has been working onthe $2 million project to determine thebest combination o services or thelocation.Janotta & Herner o Monroeville serves

as the general contractor and architect.

F I S H E R - T I T U S . O R G

CLEVELAND CLINIC

SPINE SURGERYat Fisher-Titus

World-class spine surgery services are now available to our region.

Fisher-Titus and Cleveland Clinic have afliated to provide the

advanced spine surgery procedures or conditions such as disc

herniations, spinal stenosis, and a variety o back and neck

disorders. Patients can now receive the treatment they need rom

Cleveland Clinic Physician Don K. Moore, M.D. without leaving

their local community. Dr. Moore brings years o experience andadvanced training to Fisher-Titus and is backed by the resources

and best practices o the Cleveland Clinic spine surgery program.

Dr. Moores ofce is conveniently located at 34 Executive

Drive in Norwalk. Appointments can be made by calling

419-660-0198.

Don K. Moore, M.D.Board CertifedOrthopaedic Surgeon

Annuncing:

Medical Director, Cleveland Clinic Spine Surgery atFisher-Titus

Staff, Cleveland Clinic Neurological Institute

Orthopaedic Spine Surgery Fellowship, University ofWisconsin, 1996-97

Orthopaedic Trauma Fellowship, Chur, Switzerland, 1996

Doctor of Medicine, University of Michigan Medical

School, Ann Arbor, 1989

Abut D. More

Pictured from left are Dr. Marc Dolce and Dr. Kareem Dolce, Northern Ohio

Foot and Ankle Specialists, Matt Gross, Fisher-Titus Board of Directors, RossMatlack, Fisher-Titus President and CEO, Lorna Strayer, Fisher-Titus ExecutiveVice President, City of Norwalk Mayor Rob Duncan, and Ken Schafer, Janotta& Herner.

Fisher-Titus Continues Expansion

Terra State Community Collegehosted its annual Legislators

Reception on September 30. PresidentDr. Jerome Webster updated theelected oicials and theirrepresentatives on the collegesinitiatives and projects. Thoselegislators attending included: OhioRepresentatives Rex Damschroder(88th District), Cli Rosenberger (91stDistrict) and Tim Brown (3rd District),

and Ohio Senator Randy Gardner.Proxies were sent rom the ollowing

ofces: U.S. Representative Jim Jordan(4th District), U.S. Representative BobLatta (5th District), U.S. SenatorSherrod Brown and U.S. Senator RobPortman.

Local ofcials attending includedSandusky County Commissioner DanPolter and Sandusky CountyAdministrator Warren Brown.

Terra Hosts Legislators



15/32

By Cathy AllenImagine this: youve been

recruited to serve on the board odirectors o an organizationwhose mission you care about.Youve heard rumblings in thecommunity about the efcacy oits programs, and you are eager touse your business expertise toassist the group. You attend yourfrst ew meetings and are glad to discover they arepretty crisp and proessional, organized to geteverybody out the door in an hour. You approvethe minutes and the fnancials, review sta reports,and pick up your packet o tickets to sell or thisyears dinner. All the while, you are listening andhoping or an opportunity to contribute some oyour ideas about improving the program. Finally,

you ask a board colleague about it. We dont needto worry about that, she says. That is stabusiness. We stay out o operations. Later on, theexecutive director confdes that he is rustrated bythe lack o board engagement - by which he meansundraising and hes about to propose a majorinvestment in the program you now think is wrongor the mission. What do you do?

Last month, we presented a summary o the frsthal o this book about the evolution o nonproftboard governance. The fduciary responsibilities oboard members were discussed, along with their

role as strategic planners. Read on to see howboards can appropriately be used more eectivelyin the creative work o building strong programs.Can you convince your colleagues to become amodern board? I have my fngers crossed Inmy opinion our nonprofts are going to have tomove toward this model i they are going tosurvive.

Governance as Leadership: Reraming the Worko Nonproft Boards, by Richard P. Chait, WilliamP. Ryan and Barbara E. Taylor. BoardSource, Inc.,John P. Wiley and Sons, 2005.

KEY LEARNINGS: According to Websters, the word generative

means the power o producing or originating.For an organization, the proactive creation othe mission, vision, and values or guidingprinciples is powerul. While it may seem aninvented extra duty or the board, the truth isthat someone in every organization is doinggenerative thinking. The only question is who?What perspectives are included? Board andsta working together on such tasks can be

difcult it is much easier or the board tosimply approve a drat prepared by sta - butthe benefts o these dialogues are tootremendous to ignore.

Strategies get a group rom A to B butdefning where A is or what B looks like isthe generative work leaders must do. It ismaking sense o acts and data, defningproblems beore solving them, and raming the

key strategic questions. When all theinormation they ever gets comes only romthe stas perspective, board members are lesscapable o assisting with the creative work othe organization and less eective than theycould be at perorming their fduciary orstrategic roles.

A board members opportunity to truly help anorganization is never higher than during timeso transition, as board and sta work togetherto address difcult situations. Yet, that is otenwhen sta step in to rame the problems anddetermine strategies on their own. The truth ismany boards are more comortable respondingto sta initiatives than they are oering theirown inventive thinking, especially when issuesare ambiguous, tensions exist, or stakes arehigh. But that is precisely when board member

skills and talents are needed most. Most organizations regularly ace situations

that require all three types o thinking: fduciary,strategic and generative. Boards that trainthemselves to be on the lookout or such three-sided issues have highest impact, but typicalboard meetings really are designed to limitdiscussion to fnancial questions only.

It helps to make sure board members areexposed to the organization and its stakeholdersat times and places other than the boardroom.Another strategy is to let go o Roberts Rules.

Engage in play. Ask hypothetical questions,encourage real dialogue, and end the silencethat passes or general agreement. To draw outthe quiet types, ask the question Who sees thisdierently? Recognize that change alwayscreates anxiety and those accustomed totraditional modes o board governance will beuncomortable participating. But comort doesnot equal perormance, and limiting the boardrole does diminish engagement.

I boards have an obligation to extractmaximum value rom all o the organizationsassets (and they do) then maximizingtheir own value as board members isequally obligatory. The willingnessto govern is an importantcharacteristic in a board member, asis the individual board membersability to contribute fnancially, and/or recruit others to give fnancially.But there are our other kinds ocapital board members bring:intellectual, reputational, political,and social: A shared sense o meaning

helps an organization utilizeintellectual capital that is morethan the sum o its parts. Whengroups put in the eort to developa diverse and balanced board, theideas that come rom discussiono their various perspectives arepriceless.

When board members have strong

personal reputations, they can position theorganization to be highly respected.

Board members skill at gaining and usinginuence, are keys to political capital, but itshould be used only by the board as a wholeand not by individuals.

Cooperation, spirit o partnership, andcohesiveness are the products o socialcapital, which, when brought to the groupby board members, can enhanceorganizational productivity.

For a board to get to this new uture ogovernance as leadership, they must fnd anappropriate pathway rom wherever they arenow. Trustees or CEOs eager or change cantbring enlightenment with a singlepresentation or by recommending reading tothe others. In order or a group to move

orward, they need an agreed-to assessment owhere they are now. The authors provide aseries o helpul group exercises designed toinitiate productive dialogue and grow sharedunderstanding.

Those working to resolve issues o poor boardperormance oten become distracted bysuperfcial questions o board size, composition,or term limits. To be eective, board membersshould be recruited or their willingness togovern and not just or whatever technicalexperience or demographic representation they

bring. Real change begins when a board working together as a team begins to ocus inon its purpose. Only then will perormanceimprove substantially.

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Douglas GildenmeisterSenior Vice President,

Investments Raymond JamesDuring your working years,

you've probably set aside fundsin retirement accounts such asIRAs, 401(k)s, or other workplacesavings plans, as well as intaxable accounts. Your challengeduring retirement is to convertthose savings into an ongoingincome stream that will provide adequate incomethroughout your retirement years.

Setting a withdrawal rateThe retirement lifestyle you can afford will

depend not only on your assets and investmentchoices, but also on how quickly you draw downyour retirement portfolio. The annual percentagethat you take out of your portfolio, whether fromreturns or both returns and principal, is known asyour withdrawal rate. Figuring out an appropriateinitial withdrawal rate is a key issue in retirementplanning and presents many challenges. Why?Take out too much too soon, and you might runout of money in your later years. Take out too

little, and you might not enjoy your retirementyears as much as you could. Your withdrawal rateis especially important in the early years of yourretirement, as it will have a lasting impact on howlong your savings last.

One widely used rule of thumb on withdrawalrates for tax-deferred retirement accounts statesthat withdrawing slightly more than 4% annuallyfrom a balanced portfolio of large-cap equities andbonds would provide ination-adjusted incomefor at least 30 years. However, some expertscontend that a higher withdrawal rate (closer to

5%) may be possible in the early, active retirementyears if later withdrawals grow more slowly thanination. Others contend that portfolios can lastlonger by adding asset classes and freezing thewithdrawal amount during years of poorperformance. By doing so, they argue, "safe" initialwithdrawal rates above 5% might be possible.(Sources: William P. Bengen, "DeterminingWithdrawal Rates Using Historical Data," Journalof Financial Planning, October 1994; JonathanGuyton, "Decision Rules and Portfolio Managementfor Retirees: Is the 'Safe' Initial Withdrawal RateToo Safe?," Journal of Financial Planning, October2004.)

Don't forget that these hypotheses were based onhistorical data about various types of investments,and past results don't guarantee future performance.There is no standard rule of thumb that works foreveryone--your particular withdrawal rate needs totake into account many factors, including, but notlimited to, your asset allocation and projected rate

of return, annual income targets (accounting forination as desired), and investment horizon.

Which assetsshould you draw rom frst?

You may have assets in accounts that are taxable(e.g., CDs, mutual funds), tax deferred (e.g.,traditional IRAs), and tax free (e.g., Roth IRAs).Given a choice, which type of account should youwithdraw from rst? The answer is--it depends.

For retirees who don't care about leaving anestate to beneciaries, the answer is simple intheory: withdraw money from taxable accounts

rst, then tax-deferred accounts, and lastly, tax-free accounts. By using your tax-favored accountslast, and avoiding taxes as long as possible, you'llkeep more of your retirement dollars working foryou.

For retirees who intend to leave assets tobeneciaries, the analysis is more complicated. Youneed to coordinate your retirement planning withyour estate plan. For example, if you haveappreciated or rapidly appreciating assets, it maybe more advantageous for you to withdraw fromtax-deferred and tax-free accounts rst. This is

because these accounts will not receive a step-up inbasis at your death, as many of your other assetswill.

However, this may not always be the best strategy.For example, if you intend to leave your entireestate to your spouse, it may make sense towithdraw from taxable accounts rst. This isbecause spouses are given preferential tax treatmentwith regard to retirement plans. A surviving spousecan roll over retirement plan funds to his or herown IRA or retirement plan, or, in some cases, maycontinue the deceased spouse's plan as his or herown. The funds in the plan continue to grow tax

deferred, and distributions need not begin untilthe spouse's own required beginning date. Thebottom line is that this decision is also a complicatedone. A nancial professional can help youdetermine the best course based on your individualcircumstances.

Certain distributions are requiredIn practice, your choice of which assets to draw

rst may, to some extent, be directed by tax rules.You can't keep your money in tax-deferredretirement accounts forever. The law requires youto start taking distributions--called "requiredminimum distributions" or RMDs--from traditionalIRAs by April 1 of the year following the year youturn age 70, whether you need the money or not.For employer plans, RMDs must begin by April 1 ofthe year following the year you turn 70 or, iflater, the year you retire. Roth IRAs aren't subjectto the lifetime RMD rules.

If you have more than one IRA, a requireddistribution is calculated separately for each IRA.

These amounts are then added together todetermine your RMD for the year. You can withdrawyour RMD from any one or more of your IRAs.(Your traditional IRA trustee or custodian must tellyou how much you're required to take out eachyear, or offer to calculate it for you.) For employerretirement plans, your plan will calculate theRMD, and distribute it to you. (If you participate inmore than one employer plan, your RMD will bedetermined separately for each plan.)

It's important to take RMDs into account whencontemplating how you'll withdraw money from

your savings. Why? If you withdraw less than yourRMD, you will pay a penalty tax equal to 50% ofthe amount you failed to withdraw. The goodnews: you can always withdraw more than yourRMD amount.

Annuity distributionsIf you've used an annuity for part of your

retirement savings, at some point you'll need toconsider your options for converting the annuityinto income. You can choose to simply withdrawearnings (or earnings and principal) from the

annuity. There are several ways of doing this. Youcan withdraw all of the money in the annuity(both the principal and earnings) in one lumpsum. You can also withdraw the money over aperiod of time through regular or irregularwithdrawals. By choosing to make withdrawalsfrom your annuity, you continue to have controlover money you have invested in the annuity.However, if you systematically withdraw theprincipal and the earnings from the annuity, thereis no guarantee that the funds in the annuity willlast for your entire lifetime, unless you have

separately purchased a rider that providesguaranteed minimum income payments for life(without annuitization). In general, yourwithdrawals will be subject to income tax--on an"income-rst" basis--to the extent your cashsurrender value exceeds your investment in thecontract. The taxable portion of your withdrawalmay also be subject to a 10% early distributionpenalty if you haven't reached age 59, unless anexception applies.

A second distribution option is called theguaranteed* income (or annuitization) option. Ifyou select this option, your annuity will be"annuitized," which means that the current valueof your annuity is converted into a stream ofpayments. This allows you to receive a guaranteed*income stream from the annuity. The annuityissuer promises to pay you an amount of moneyon a periodic basis (e.g., monthly, yearly, etc).

If you elect to annuitize, the periodic payments

Estate

Converting Savings to Retirement Income

See ESTATE, Page 26



19/32

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Over 40 people attended the Building Doctor Clinicheld on September 26 in downtown historic PortClinton. The clinic featured Building Doctors JustinCook and Scott McIntosh of the Ohio HistoricPreservation Ofce who presented a free workshopthat featured guidelines for renovation projects and

ways to solve some of the most common problem ofbuildings dating from 1800 to 1955. In addition, tendowntown property owners received free on-siteconsultations. The Building Doctor Program was aproject of Main Street Port Clintons DesignCommittee.

The Building Doctors Make Building Calls



20/32

102 Madison St. 419-960-7546Port Clinton, OH 43452 www.1812rosies.com

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Located within the historic IslandHouse Hotel in downtown Port Clinton,Ohio, 1812 Food & Spirits brings you a

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PT Cruiser Goes or a Ride at Firelands Regional Medical Center


21/32

Its a bird! Its a plane! Its a PT Cruiser?On the morning of September 26, a Chrysler PT

Cruiser was hooked up to a large crane, thenhoisted 75 feet up in the air, through a windowand disappeared into what will be the new FirelandsRegional Medical Center Inpatient RehabilitationCenter.

Its not every day you see a car being lifted vestories up the side of a hospital, said MartinTursky, president & CEO of Firelands RegionalMedical Center. This is a really unique way tostart the day.

The Chrysler PT Cruiser, made possible throughKasper Automotive, will be used in the physicaltherapy area of the new Firelands InpatientRehabilitation Center, assisting in preparingpatients for reintegration into the community. Thecenter is being relocated from Firelands SouthCampus to the fth oor of the Main Campusfacility. According to Darrell Boling, director ofplant operations at Firelands, the fth oor wasbuilt as

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