16
JAN/FEB/MAR 2020 CHAMBER NEWS 1 *Content written by outside sources do not reflect the views & opinions of the Chamber. 2020 JAN/FEB/MAR VOLUME 19 NUMBER 1 News 4-5 6-7 8-12 14-15 CALENDAR MEMBERSHIP ENVIRONMENT DIVERSITY SURVEY A s the Chamber welcomes a new leader into its President/CEO role, the Chamber Board of Directors asks the membership to be patient and supportive. Any change can be stressful for the staff, volunteers and members. The Board of Directors has committed to ensuring that you continue to receive value for your investment. The Chamber has an amazing team to carry the ball forward. By working to grow your bottomline, protect your bottomline and grow you people, the Chamber is an advocate and leader for economic development for your business today, tomorrow and long into the future., Please give grace, time and knowledge to our new leader. Be present when called on for advice, for event attendance or committee work, and raise your hand to help. Your historical knowledge and passion for this community and organization are an integral part in its success. Above all, remember that the Chamber exists for you, because of you. Regards, CHAMBER BOARD OF DIRECTORS PROTECTING AND MANAGING Your Boom Line T he most critical component of protecting the bottom line is the top line - sales. The higher the sales increase, the easier it is to cash flow enough to pay bills and put some money away for reinvestments or an emergency. Protecting the bottom line first includes a marketing plan to increase Guest counts before increasing the price of products or services. With the number of competitors in our county, Jackson residents are savvy when evaluating price/value. It is far better, long term, to grow Guests than to grow sales for the short term. Do not forget to shop your competitors whether you are a restaurant, plumber, electrician or retail sales company. It is critical to stay competitive because a large majority of customers are shopping your prices, as well as your competitors, prior to purchasing your services! A sales growth plan needs to include a Guest feedback vehicle. It could be a questionnaire aſter the service, a phone call, or an email, but some connection back to your Guests is critical. is shows you care and helps you develop tactics to improve your service. Most of us don’t take care of our Guests face to face. Our team of employees is their contact with our company. ey represent each of us! eir interactions can cause the Guest to return or try a different company! Henry Ford Allegiance Health does an excellent job with feedback. A relative of mine was in the ER. Within two days, we received a phone call asking for feedback, impressive! Aſter developing a sales growth plan and a feedback vehicle designed to drive Guests to your business, it is time to scrutinize the profit and loss statement for unnecessary losses. It’s critical to use a checkbook balance mentality for each line item. Set a budget for each line item and then require that your staff(s), are held accountable weekly and monthly to hit the budget/targets. Bonuses tied to profit and loss performance are excellent tools. Using a contribution margin for determining improved or lost cash flow, is the only fair way to assess profitability improvements. is can be done by month, year to date or any other period from the previous year. A good rule of thumb is to use a 30-35% contribution margin. For this example, we will use a comparison from a current month to the same month last year. In the below example we will be determining the efficiency of the P&L controllable/profit. Let’s say that last year my sales were $100,000 for the month. is year, my sales are $120,000. I am up $20,000 in sales. I then take $20,000 and multiply by 30% (contribution margin factor). In this case, my profit aſter controllable should be $6,000 more than the same period last year. I then find and compare my profit aſter controllable numbers for the same month(s). YOUR ADVOCATES Leadership at the Chamber might be changing, but our focus is still YOU BOARD UPDATE Karen Richard Owner Culver's Restaurant Continued On Page 8

4-5 6-7 8-12 14-15 membership CaLen Dar en VirOnmen T … · 4-5 6-7 8-12 14-15 membership CaLen Dar en VirOnmen T DiVersiTY sUrVeY A s the Chamber welcomes a new leader into its

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jan/feb/mar 2020 Chamber News 1*Content written by outside sources do not ref lect the views & opinions of the Chamber.

2020 j a n / f e b / m a rVolume 19 number 1

News4-5 6-7 8-12 14-15

CaLenDarmembership enVirOnmenT DiVersiT Y sUrVeY

As the Chamber welcomes

a new leader into its

President/CEO role, the

Chamber Board of Directors asks

the membership to be patient and

supportive. Any change can be

stressful for the staff, volunteers and

members. The Board of Directors

has committed to ensuring that you

continue to receive value for your

investment. The Chamber has an

amazing team to carry the ball forward.

By working to grow your bottomline,

protect your bottomline and grow you

people, the Chamber is an advocate

and leader for economic development

for your business today, tomorrow and

long into the future.,

Please give grace, time and knowledge

to our new leader. Be present when

called on for advice, for event

attendance or committee work, and

raise your hand to help. Your historical

knowledge and passion for this

community and organization are an

integral part in its success. Above all,

remember that the Chamber exists for

you, because of you.

Regards,

Chamber board of direCtors

JOIN FOR $12 LOCATIONS

anytimefitness.com

517-748-9351

6 Week Challenge Starts in Feb. Ask for details

Page ave

517-743-4004N. West Ave

Good for Jan. 2020

PROT EC T I N G A N D M A N AG I N G

Your Bottom Line

The most critical component of protecting the bottom line is the top line - sales. The higher the

sales increase, the easier it is to cash f low enough to pay bills and put some money away for reinvestments or an emergency. Protecting the bottom line f irst includes a marketing plan to increase Guest counts before increasing the price of products or services. With the number of competitors in our county, Jackson residents are sav v y when evaluating price/value. It is far better, long term, to grow Guests than to grow sales for the short term. Do not forget to shop your competitors whether you are a restaurant, plumber, electrician or retail sales company. It is critical to stay competitive because a large majority of customers are shopping your prices, as well as your competitors, prior to purchasing your services!

A sales growth plan needs to include a Guest feedback vehicle. It could be a questionnaire after the service, a phone call, or an email, but some connection back to your Guests is critical. This shows you care and helps you develop tactics to improve your service. Most of us don’t take care of our Guests face to face. Our team of employees is their contact with our company. They represent each of us! Their interactions can cause the Guest to return or try a different company! Henry Ford Allegiance Health does an excellent job with feedback. A relative of mine was in the ER. Within two days, we received a phone call asking for feedback, impressive!

After developing a sales growth plan and a feedback vehicle designed to drive Guests to your business, it is time to scrutinize the profit and loss statement for unnecessary losses.

It’s critical to use a checkbook balance mentality for each line item. Set a budget for each line item and then require that your staff(s), are held accountable weekly and monthly to hit the budget/targets. Bonuses tied to profit and loss performance are excellent tools.

Using a contribution margin for determining improved or lost cash flow, is the only fair way to assess profitability improvements. This can be done by month, year to date or any other period from the previous year.

A good rule of thumb is to use a 30-35% contribution margin. For this example, we will use a comparison from a current month to the same month last year. In the below example we will be determining the efficiency of the P&L controllable/profit.

Let’s say that last year my sales were $100,000 for the month. This year, my sales are $120,000. I am up $20,000 in sales. I then take $20,000 and multiply by 30% (contribution margin factor). In this case, my profit after controllable should be $6,000 more than the same period last year.

I then find and compare my profit after controllable numbers for the same month(s).

YOuR ADvOCATE sLeadership at the Chamber might be changing , but our focus is still YOU

bo

ar

d

up

da

te

Karen Richard Owner

Culver's Restaurant

Continued On Page 8

2 Chamber News jan/feb/mar 2020 jacksonchamber.org

t h e c h a m b e r i n a c t i o n

boardOFdirectorsKyle Hockley | Picture This...Jackson Mike England | England Family Agency - Farm Bureau Freddie Dancy | Dancy’s Fancy Butter Paul Buchholz | Lloyd Ganton Retirement Centers Cathy Reynolds | Consumers Energy - Downtown Tim Rogers | The Enterprise Group of Jackson, Inc. Ted Christoff | Christoff & Sons Floor Covering Inc. Sandy Maes | Board of Governors Dr. Michelle Shields | Jackson College Mike Overton | Jackson County Patrick Burtch | City of Jackson Jeffrey Anderson | Anderson & Makulski, PC Jim Coutu | Michigan Works! Southeast Sue Goldsen | Board of Governors Jamie McKibbin | Jackson’s Hit Music Station - K105.3 Monica M Moser | Jackson Community Foundation Dave Page Jr. CPA | Rehmann Ryan Smithson | Baker College of Jackson Tabitha Williams | Comfort Inn & Suites Anita Maria Quillen | Diversified Engineering & Plastics LLC Linda Schaub | Spring Arbor University Doug Backinger | Caster Concepts Neil Fernandes | Rise Above/Notch 8

boardOFgoVernorsMike Jones | Michigan Works! Southeast Robert Michaels | RjM John Crist | C P Federal Credit Union Sandy Maes | Henry Ford Allegiance Health Linda Furgason | Avis Rent A Car Steven Patch | Lally Group, CPA’s Teri Ogg | Manpower Inc Philip M. Moilanen | Marcoux, Allen, Bower, Nichols & Kendall, P.C. Dr. Daniel J. Phelan | Jackson College Sue Goldsen | Jackson’s Hit Music Station Ron Griffith | Spring Arbor University

Chamber sTaffinTerim presiDenT/CeOJohn Crist | [email protected]

exeCUTiVe LiaisOnKelly Sharrer | [email protected]

bUsiness DeVeLOpmenT managerPatrick O’Dowd| [email protected]

eVenTs & LegisLaTiVe affairs managerTim Booth | [email protected]

aCCOUnTingMary Schuessler | [email protected]

membership & eVenTs assisTanTHaley Hoffman | [email protected]

exeCUTiVe COmmiTTeeCO-Chairs:Karen Richard | Culver’s RestaurantTed Christoff | Christoff & Sons Floor Covering Inc.

ViCe Chair:Mollie Bolton | Edward Jones Investments

TreasUrer:Chrissy Siders | CP Federal Credit Union

seCreTarY:Bob Moore | Pentar Stamping

aT-Large:Kyle Hockley | Picture This…JacksonJamie McKibbin | Jackson’s Hit Music Station – k105.3

bOarD Of DireCTOrsJeff Beal | Jackson Public SchoolsGeoff Bontrager | Northwest Public SchoolsPatrick Burtch | City of JacksonNeil Fernandes | Rise AboveAndy Hawley | JTVValerie Herr | Jackson Symphony OrchestraSteven Makulski | Anderson & Makulski, PCAlex Masten | Michigan Works! SoutheastDanielle McGee | RehmannScott McIntosh | Consumers EnergyRobert J. Michaels | Political Action Committee ChairMonica Moser | Jackson Community FoundationTeri Ogg | Board of GovernorsMike Overton | Jackson CountyJenifer Robinson | Flagstar BankTim Rogers | The Enterprise Group of Jackson, Inc.Linda Schaub | Spring Arbor UniversityKirsten Logan | Experience Jackson Board Chair

bOarD Of gOVernOrsSarah Ermatinger | C P Federal Credit Union Linda Furgason | Winzeler Dry CleanersSue Goldsen | Jackson’s Hit Music Station – k105.3Ron Griffith | Spring Arbor UniversityMike Jones | Community MemberSandy Maes | Henry Ford Allegiance HealthRobert J. Michaels | RjMPhilip M. Moilanen | Marcoux, Allen, Bower, Nichols & Kendall, P.C.Teri Ogg | Manpower IncSteven Patch | Lally Group, CPA’sDr. Daniel J. Phelan | Jackson College John Crist | Community Member

We welcome all Chamber members to join us at our events! If you do plan to attend,

please RSVP (517-782-8221) in advance to allow us to plan for food and other provisions

accordingly. Thank You!

Please RSVP!

The Jackson County Chamber of Commerce is active in bringing its members networking events (Off The Clock, Speed Networking), educational events (Economic Luncheons, Leadership

Jackson Classes), and promotional events (Good Morning! Greater Jackson, Ribbon Cuttings/ Groundbreakings). Please see our Calendar (page 6) to save future dates on your calendar!

September’s Regional Off the Clock, sponsored by CP Federal Credit Union at Golling Chrysler Dodge Jeep Ram of Chelsea, provided the perfect venue for over 150 attendees from 10 area chambers to grow their bottom lines!

Congratulations to Jackson Publishing Company, our JA XPO 2019 Best Booth Award Winner!

Jackson County businesses and students participated in Manufacturing Day to showcase the potential of modern manufacturing and foster interest in manufacturing careers.

A dynamic presentation by national speaker, Tony Rubleski, focused on the seven key leadership characteristics all trailblazers possess.

Patti Poppe, Consumers Energy’s president and CEO, spoke about the Clean Energy Plan’s impact and the key role that businesses will play in making that plan a reality.

Economic Lunch showcased examples of how people from different generations and backgrounds can effectively work together through understanding and appreciating the differences in people, while working to improve communications, team building, customer service and conf lict resolution.

jacksonchamber.org jan/feb/mar 2020 Chamber News 3

adVertisersIndex pageAnytime Fitness ....................................................................................................................................................................................... 1Accident Fund ........................................................................................................................................................................................... 3Allegra Marking Print and Mail ..................................................................................................................................................... 5Opus Packaging ....................................................................................................................................................................................... 5DBI - We Do Office ................................................................................................................................................................................ 7Comerica ...................................................................................................................................................................................................... 8Lloyd Ganton Retirement Centers ............................................................................................................................................ 13Charles Schwab ..................................................................................................................................................................................... 15Christoff & Sons ................................................................................................................................................................................... 15Comtronics ...............................................................................................................................................................................................16Minuteman Sewer & Drain ............................................................................................................................................................16

Graphic Design by Allegra of Jackson | Printing and Mailing by LTi | Editor: Sarah Lyman

| Advocating For Your Business

Tim Booth / Events & Legislative Affairs Manager / Jackson County Chamber of Commerce

Greetings!

Rule of the majority, democracy.

The product of that process has recently determined the face of our City Council and

it will be dramatically different. The new year will realize change with one third of the

council. Democracy has rewarded Laura Dwyer Schlecte and Will Forgrave the honor and

responsibility of council seats. Additionally, the majority again gave the obligations of a

council seat to Freddie Dancy and Mayor to Derek Dobies. My congratulations to all these

individuals and my sincerest appreciation for your service to our community in this manner.

Democracy has chosen our Council. It’s now important that democracy inf luence their work.

The Chamber, a voice for prosperity for not merely its 800 members, but for every citizen in

our community, welcomes the new relationships and every opportunity to work together in

developing an environment in which enterprise and everyone thrives. They are not mutually

exclusive successes.

The fortunes of all in our community are significantly shaped by entrepreneurs and

successful commerce. Those individuals and those accomplishments are facilitated by

deliberate, clear and stable attitudes creating welcoming conditions for risk takers and

decision makers.

Again, compliments to all who have self lessly sought out the responsibilities of leadership

and the promise of representation for all. I’m genuinely excited for the prosperity that can lie

ahead for each and every one.

Flourishing financially, prosperity.

Work safer, smarter, together.

5%

As a member of the Jackson County Chamber of Commerce, you can take advantage of savings on premiums, loss prevention tools, convenient billing options, the potential to earn dividends, and more. So join us and see how we make workers’ compensation work for you.

FIND AN AGENT NEAR YOU.

AccidentFund.com/Groups

Up-front savings on workers’ compensation premiums and potential to earn a dividend.

4 Chamber News jan/feb/mar 2020 jacksonchamber.org

THAnK YOURenewing Members1-5 YeArs5 Leprechauns L.L.C.Atlas Salon LLC True NorthAthletico Physical Therapy Jackson SoutheastJA X 60Segue Inc.C & C WeldingJimmy John'sPostNetRuoff Home MortgageRegion 2 Area Agency on AgingCorona SmokeshopHome of New VisionNorfolk HomesPleune Service CompanyJones Construction SolutionsJ-DART ( Jackson County Disaster Assistance Response Team)

F & S Tool & Gauge Co.Andy's AngelsHealthQuest of JacksonSt. John Catholic CemeteryStop 1 Insurance Agency Diverse StaffingPeak Manufacturing Pangborn Landscaping Inc.Greater Jackson Habitat for HumanityAwaken Haunt, LLCRepublic ServicesFranke Center for the ArtsHome 2 Suites by HiltonComputer Ties / Professional Communications SolutionsComputer Ties / Professional Communications SolutionsThe Junk Yard Dog

Ye Ole Carriage ShopLomar Machine & Tool Company - Designer and Manufacturer of Standard and Custom Machines and ToolingI've Been Framed! Custom Framing Design CenterHealth Alliance Plan (HAP)BNI Profits-A-R izin'Felician Children's CenterCollege and Career Access Center of JacksonExchange Club of JacksonJackson Candy & Fudge Factory, Inc.BIGGBY Coffee - Cooper StOld National Bank - West MichiganUS Staffing Agency of West Michigan, LLC.

US Staffing Agency of West Michigan, LLC. Choice Auto Sales of Jackson Renovations Plus Handyman and Hauling ServiceJohnstone SupplyLeimenstoll ServicesCellular and More, Jackson WestCellular and More, Jackson East

6-10 YeArsKustom.usStorage Sense Roadhouse Grill & BarGrand R iver BreweryIsland Breeze TravelCatholic Charities of Jackson, Lenawee and Hillsdale Counties

Two Men and a TruckA AR PLJ Ross Associates, Inc.Moors Condominium Assoc. (MCDA)Holiday Inn Jackson N WGillmore's Heating & Cooling, LLCLarry LloydAccounting Systems Alternatives, Inc.Gregory OpticalU-Store of JacksonKiwanis Club of Jackson

11-15 YeArsDillon & AssociatesInosencio Fisk, PLLCCaster Concepts Inc.G & C Sales LLCFinally Friday Payroll Service, Inc.

WelcOmeNew Members

renewing/new members

great Lakes ace hardware 1711 Spring Arbor Rd.Jackson, MI 49203(517) 787-1570David TownesHome ImprovementsOne north Kitchen & bar2115 Bondsteel DriveJackson, MI 49202(517) 539-5060Jason MartinezRestaurants, Food & Beveragesrooney's sewer & Drain Cleaning 2341 Enterprise St.Jackson, MI 49203(517) 788-6371Jon FinneySewer Cleanersarbor north Living Center3000 Kingsbrooke DriveJackson, MI 49202(517) 787-8000 Bob Ganton Retirement/Nursing Homes

schlenker's sandwich shop1104 E. GansonJackson, MI 49201(517) 783-1667Nicholas Fuller Restaurants, Food & Beveragesfuller's Chem-Dry/ Delta restoration of mid michigan206 W Louis Glick HwyJackson, MI 49201(517) 783-4634Nicholas FullerCleaning Servicemichigan Valley homes11557 S. Brooklyn Rd.Brooklyn, MI 49230(517) 592-3842Victor BrownContractorsreinhart realtors/The grande estates5198 Grande View LaneJackson, MI 49203(734) 585-4734Amelia WoodsReal Estate

stanley Consultants132 W Cortland StJackson, MI 49201(517) 395-2724Roy PierceEngineeringepiQ escapes561 Wildwood AveJackson, MI 49201(517) 240-1173Savanah Sheets Attraction/Entertainment/RecreationinfoCircle LLC3905 Harwich Ln.Jackson, MI 49201(517) 392-6712Gary PageauMarketing ConsultantKatlyn property management1100 Austin AveAlbion, MI 49224(269) 425-6087Cheryl MullProperty Managers

jOD real estate group710 S Brown St.Jackson , MI 49203(517) 474-1220John O'DowdReal EstateCountry Club Turf inc.2501 Lansing AvenueJackson, MI 49202(517) 750-7513James EccletonLandscape & Lawn CareLarry's rV Center2501 Lansing AvenueJackson, MI 49202(517) 990-0336Jim EcceltonTruck & Trailer Sales & Servicepayroll Vault110 E Grand River Ave.Howell, MI 48843(517) 376-3071Patrick BruenAccounting/Bookkeeping/Payroll

Veritas151 W. Michigan Ave.Jackson, MI 49201(517) 888-9001Emmanuel SainttinRestaurants, Food & Beveragespryor's bbQ house221 W. ProspectJackson, MI 49201(517) 960-7054Larry PryorRestaurants, Food & Beveragesschupbach's sporting goods141 W. PearlJackson, MI 49201(517) 782-8418Stephanie Schupbach Retailhealthy Vibes jackson757 W. Franklin St.Jackson, MI 49201(517) 902-5706Brandy HathawayHealth Care

nCDg realty and property management159 W. PearlJackson, MI 49201(517) 796-6148John CollisReal Estatejenkins insurance group/ farm bureau1341 W Parnall RdJackson, MI 49201(517) 879-5171Savannah JenkinsInsurance Servicesaxe play133 W. Michigan Ave.Jackson, MI 49201(517) 392-5553Shane StephensAttraction/Entertainment/RecreationGreene's Credit Repair1949 Lansing Ave Ste CJackson, MI 49202(517) 358-2524Malik GreeneFinancial Services

Jackson Truck Service, Inc.Chelsea Comfort Inn & Village Conference CenterHirst Electric CompanyEXIT Realty 1stGene Davis & Sons Banquet & Convention CenterWalMart

16-22 YeArsAmericrown-Midwest DivisionSC&J dba McDonald'sGreenwood Acres Camp Ground

69 YeArsAlro Steel

77 YeArsCity of Jackson

jacksonchamber.org jan/feb/mar 2020 Chamber News 5

elite Drone service10464 Hankerd Rd.Pleasant Lake, MI 49272(517) 740-9583Josef MagsigPhotographysplit screen mobile productions242 E. High StreetJackson, MI 49203(888) 637-6177Alicia WilliamsVideo Productionpeople's Choice provisioning3435 E. Michigan Ave.Jackson, MI 49202(517) 539-5972Robert KelleyMedical Marijuanajackson on earth978 Brentwood Rd.Jackson, MI 49202(517) 740-690Jenna KulhawikNon-profit

marketplace manna, inc.1088 Jackson CrossingJackson, MI 49202(419) 304-9012Casey MellingerNon-profitever after event planning1419 Losey Ave.Jackson, MI 49203(517) 914-2150Semaj MahoneyEvent, Party Planning and Suppliesjoystick mobile Video gaming409 W. Washington Ave. Apt. C Jackson, MI 49201(517) 914-7448Robert PorterEvent, Party Planningshorties sweets eats & Treats500 Wintercrest DriveJackson, MI 49203(517) 748-8061Felicia CarterRestaurants

Kenikakes2300 Lansing Ave.Jackson, MI 49202(517) 315-1644Shakanna BlakeRestaurantsgirl scouts heart of michigan4403 Francis St.Jackson, MI 49203(517) 784-8543Mariela RuaNon-profitschneider electric1301 W Washington Ave.Jackson, MI 49203(734) 891-5491Anthony FullerElectrical Contractingmartin Commercial properties, inc.1111 Michigan AvenueSuite 300East Lansing, MI 48823(517) 351-2200 Bob Johnson Real Estate, Property Managers

state representative sarah LightnerN-999 House Office BuildingP.O. Box 30014Lansing, MI 48909(517) 373-1775Sarah LightnerGovernmentjackson blazer newspaper1023 E. Ganson St.Suite BJackson, MI 49201(517) 937-5546David Mitchell Publishers

WelcOmeNew Members

1232 S. West Ave. • Jackson, Michigan 49203Phone (517) 784-8800 • Fax (517) 784-1898

[email protected] • allegrajacksonmi.com

Locally Owned & Operated

Chamber Member for 30 Years

Serving JacksonSince 1988

action packaging announces rebranding as Opus packaging

The Opus Packaging Group has decided that as they continue to grow, it is important they face their customers and suppliers as one company, one brand. As a result, their existing brands of Action Packaging, Safeway Packaging, and Wabash Container are officially merging into one Opus Packaging brand. The rebranding efforts will affect all of their facilities including Grand Rapids, MI (Opus Packaging – Grand Rapids); Jackson, MI (Opus Packaging – Jackson); New Bremen, OH (Opus Packaging – New Bremen); Mt Carmel, IL (Opus Packaging – Wabash); and our new Indianapolis, IN location (Opus Packaging – Indianapolis).

The name Opus was chosen because it is defined as a creative work or work in progress. Opus sees itself as just that: a continuous work in progress which aligns with our culture of continuous improvement and one of our core values of always being open to change.

The revised Opus Packaging website, www.opuspkg.com, is now live. All social media content will now be posted exclusively on the Opus Packaging social media accounts. Please take the time to like and follow Opus Packaging on Facebook and LinkedIn.

Action Packaging announces rebranding as Opus Packaging The Opus Packaging Group has decided that as they continue to grow, it is important they face their customers and suppliers as one company, one brand. As a result, their existing brands of Action Packaging, Safeway Packaging, and Wabash Container are officially merging into one Opus Packaging brand. The rebranding efforts will affect all of their facilities including Grand Rapids, MI (Opus Packaging – Grand Rapids); Jackson, MI (Opus Packaging – Jackson); New Bremen, OH (Opus Packaging – New Bremen); Mt Carmel, IL (Opus Packaging – Wabash); and our new Indianapolis, IN location (Opus Packaging – Indianapolis). The name Opus was chosen because it is defined as a creative work or work in progress. Opus sees itself as just that: a continuous work in progress which aligns with our culture of continuous improvement and one of our core values of always being open to change. The revised Opus Packaging website, www.opuspkg.com, is now live. All social media content will now be posted exclusively on the Opus Packaging social media accounts. Please take the time to like and follow Opus Packaging on Facebook and LinkedIn.

6 Chamber News jan/feb/mar 2020 jacksonchamber.org

Jackson County Chamber of Commerce

fridaY, JaNUarY 17MLK Diversity BreakfastiMeet and greet over 450 community, business leaders and students who participated in Challenge Day while honoring our youth as we remember and celebrate the birthday of a great icon, Dr. Martin Luther King, Jr. Join the Jackson County Chamber of Commerce, The Jackson County Intermediate School District, the City of Jackson Human Relations Commission, Business Leaders and students from Challenge Day 2017 as we honor and remember Dr. Martin Luther King while hearing an inspiring, motivational and encouraging speech from the Honorable Susan Jordan, Circuit Court Judge.

• WHere: Gene Davis & Sons 3575 Francis St, Jackson

• WHen: 7:30-9:00am

• cOsT: $35 each; $45 after Jan. 11th

fridaY, JaNUarY 24Legislative Rise & ShineA legislative breakfast series featuring city, county, state, or federally elected officials in a discussion with chamber members about the day's relevant topics.

• WHere: Vista Grande Villa Rose Room 2251 Springport Road

• WHen: 7:30-8:30am

• cOsT: $20 for Chamber Members; RSVP's a must; members-only

tUesdaY, JaNUarY 28Good Morning! Greater JacksonStart your morning by learning, connecting, and networking at our live radio broadcast by NewsTalk 970am/101.5fm. Catered by Gene Davis and Sons.

• WHere: Weatherwax Hall 215 W. Michigan Ave

• WHen: 7:30-8:30am

• cOsT: $10 for Chamber members if paid in advance; $15 at the door

thUrsdaY, JaNUarY 30Annual MeetingThis is the Chamber's Annual Meeting of all members and is the time when we recognize and honor the Board of Directors and recognize businesses for their outstanding work in the community. As we reach our 111th Anniversary of the Jackson County Chamber we look back at where Jackson has been and what has made this a great community. We look forward with inspired hope and excitement for what the future holds for the growth and success of our businesses and our community. Join us in celebration of our Jackson Community and the people and businesses who have made this one of the greatest places to grow a family, a business, and a dream.

• WHere: Jackson College Potter Center

• WHen: 5:30-9:00pm

• cOsT: $65 per person; $75 per person after January 20, 2019

moNdaY, febrUarY 10Economic LuncheonHighlight your business to a broad audience of potential clients. This one-day expo features businesses all connecting in one venue to reinforce current professional relationships and spark new partnerships. Increase your audience and connections by showcasing your company’s insight, talent, expertise, products and services.

• WHere: TBD

• WHen: 11:30am-1:00pm

• cOsT: $25 for Chamber members if paid in advance; $30 at the door; $45 for Future Chamber members if paid in advance; $50 at the door

tUesdaY, febrUarY 25Good Morning! Greater JacksonStart your morning by learning, connecting, and networking at our LIVE radio broadcast by NewsTalk 970am/101.5fm.

• WHere: Weatherwax Hall 215 W. Michigan Ave

• WHen: 7:30-8:30am

• cOsT: $10 for Chamber members if paid in advance; $15 at the door; $20 for Future Chamber members if paid in advance; $25 at the door

wedNesdaY, marCh 4Off The ClockBuild business relationships and network after hours in a relaxed, stress-free environment. Enjoy an atmosphere great for making connections at unique business venues. Register and bring along a client, colleague or friend!

• WHere: TBD

• WHen: 5:30-7:30am

• cOsT: $5 Entry fee for members; $10 Entry fee for nonmembers

To Register: Unless otherwise noted, R.S.V.P. for events to Kelly at [email protected] or 517-782-8221 (please have your credit card information handy when you call). All cancellations must be received with a 24-hour notice or no shows will be billed. Non-members are encouraged to attend no more than two networking events before joining. All Chamber events are posted online at www.JacksonChamber.org under Events.

regIsTer OnlIne AT JAcKsOncHAmber.Org

Save The DateDisney Approach to

Leadership ExcellenceJune 17, 2020

jacksonchamber.org jan/feb/mar 2020 Chamber News 7

thUrsdaY, marCh 12Speed NetworkingSpeed Networking is a structured, efficient and fast-paced event where participants have the opportunity to speak face-to-face with other business representatives, sitting at tables in groups of four or five, three and a half minutes at a time. It is good for experienced and nervous networkers alike and we guarantee that you will meet more people that you typically do during the same amount of time in an unstructured setting.

• WHere: TBD

• WHen: 2:30-5:00pm

• cOsT: $15 for Chamber members if paid in advance; $25 at the door; $25 for Future Chamber members if paid in advance

tUesdaY, marCh 24Good Morning! Greater JacksonStart your morning by learning, connecting, and networking at our LIVE radio broadcast by NewsTalk 970am/101.5fm.

• WHere: Weatherwax Hall 215 W. Michigan Ave

• WHen: 7:30-8:30am

• cOsT: $10 for Chamber members if paid in advance; $15 at the door; $20 for Future Chamber members if paid in advance; $25 at the door

Jackson County Chamber of Commerce

Leadership is not defined by a title – it’s defined by behaviors. At Disney, our leaders consistently align their behaviors with the Company’s values and vision, resulting in a motivated, productive workforce. This program provides insights into the leadership

development strategies necessary to create an effective and aligned leadership vision. Think of this opportunity as the start of your personal leadership journey. Are you ready?

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•Identify the values that drive you as a leader•Align your personal and organizational values•Immerse yourself in your leadership vision

•Understand the importance of a leadership legacy that inspires others

Register Today! Space is Limited.

As to Disney artwork/properties: © Disney

DISNEY’S APPROACH TO

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Leadership is not defined by a title – it’s defined by behaviors. At Disney, our leaders consistently align their behaviors with the Company’s values and vision, resulting in a motivated, productive workforce. This program provides insights into the leadership

development strategies necessary to create an effective and aligned leadership vision. Think of this opportunity as the start of your personal leadership journey. Are you ready?

WELCOMES DISNEY INSTITUTE

•Identify the values that drive you as a leader•Align your personal and organizational values•Immerse yourself in your leadership vision

•Understand the importance of a leadership legacy that inspires others

Register Today! Space is Limited.

As to Disney artwork/properties: © Disney

DISNEY’S APPROACH TO

LEADERSHIP EXCELLENCE

Leadership is not defined by a title – it’s defined by behaviors. At Disney, our leaders consistently align their behaviors with the Company’s values and vision, resulting in a motivated, productive workforce. This program provides insights into the leadership

development strategies necessary to create an effective and aligned leadership vision. Think of this opportunity as the start of your personal leadership journey. Are you ready?

WELCOMESDISNEY INSTITUTE

•Identify the values that drive you as a leader•Align your personal and organizational values•Immerse yourself in your leadership vision

•Understand the importance of a leadership legacy that inspires others

Register Today! Space is Limited.

As to Disney artwork/properties: © Disney

DISNEY’S APPROACH TO

LEADERSHIP EXCELLENCE

yensiD © :seitreporp/krowtra yensiD ot sA

Leadership is not defined by a title – it’s defined by behaviors. At Disney, our leaders consistently align their behaviors with the Company’s values and vision, resulting in a motivated, productive workforce. This program provides insights into the leadership

development strategies necessary to create an effective and aligned leadership vision. Think of this opportunity as the start of your personal leadership journey. Are you ready?

WELCOMES DISNEY INSTITUTE

•Identify the values that drive you as a leader•Align your personal and organizational values•Immerse yourself in your leadership vision

•Understand the importance of a leadership legacy that inspires others

Register Today! Space is Limited.

As to Disney artwork/properties: © Disney

DISNEY’S APPROACH TO

LEADERSHIP EXCELLENCE

8 Chamber News jan/feb/mar 2020 jacksonchamber.org

enVirOnmenT

We all know that recycling is

good for the environment, but

did you know it’s also good for

your business? More and more companies

are starting recycling programs as they

begin to recognize the business advantages

or practicing this environmentally friendly

behavior. So, why should you recycle at

your company?

saving moneyOperating in a cost-effective manner is

important for any business, so almost

anything that saves your company money is

a plus. Since recycling service usually costs

less than trash service, a robust recycling

program can help you save money by adding

recycling collection and downsizing your

trash container or the frequency of your

trash collection.

Projecting a Positive ImageA 2017 study on corporate social

responsibility indicated that 87% of

consumers will have a more positive image

of a company that supports environmental

issues. Most of your potential customers

will be happy to see that your business is

doing good things for the environment. On

the f lip side, few customers will want to

support a business that doesn’t seem to care

about being earth friendly.

On a similar note, a reputation for caring

about things like your community and the

earth will help your company attract and

retain quality candidates. We all want to

feel good about where we work, and having

recycling opportunities and an employer

that cares can go a long way toward

achieving that.

RECYClINGGood for the Environment and Your Business

Jessica Webb/ Sales Representative / Granger

building a great TeamNothing helps a team solidify like banding

together behind a shared cause. The

cause of growing and/or sustaining your

business is certainly an important cause for

your team to support, but rallying behind

something larger can be an even stronger

team builder.

These are just a few of the secondary

benefits of recycling at work, but there

are many more. Fortunately, if you don’t

currently have a recycling program, it’s

not too difficult to start one. To learn

more, check out Granger’s blog post “How

to Start an Office Recycling Program” at

grangernet.com/how-to-start-an-office-

recycling-program/.

Let’s say last year’s PAC was $5,000 and this year’s PAC is $8,000. We are up $3,000 from last year which seems pretty good however, I was up $20,000 in sales! Based on my contribution calculation, I should be up $6,000 over my PAC of last year, or plus $11,000 this month! Although it seemed like I did a good job, using the contribution margin for more sales, I was actually $3,000 short of what should be expected in profit!

My business underperformed by $3,000! Those are lost dollars on the bottom line. Obviously, the next step is to dig into the line items and find out why we didn’t put $3,000 more on the profit after controllable line! Some items may be explainable however either way, it points to exactly where we should be spending our time in maximizing that bottom line. Please remember that PAC is only controllables and would not include rent, mortgage payments, D&A or owners’ salary.

This equation can also be used when sales are less, and you want to see if you are maximizing PAC dollars. Expectations will be less, but you can see quickly if you are closing the gap!

One further note:

Be sure to implement long term protections for your business in case of emergency business situations. This would include cash reserves, an aggressive insurance policy, especially a good umbrella that includes human resource issues.

Watch your pennies/nickels and the dollars will fall to the bottom line!

Continued From Page 1

jacksonchamber.org jan/feb/mar 2020 Chamber News 9

enVirOnmenT

IT mAY nOT be eAsY beIng green, bUT gOIng green dOesn’T HAve TO

breAK YOUr bOTTOm lIne

Lyndsey Adams / M.S., Development Coordinator Dahlem Nature Center

As individuals we can make small decisions that have a large environmental impact when we act together as a community. We may choose to recycle, carpool, or move toward a vegetable-based diet. Businesses within the community can also inf luence individuals by modeling environmentally-friendly behaviors. However, implementing changes can be challenging, especially for small businesses that often have to be more conscientious of their bottom line. The questions become (1) What changes can I implement in my business in order to be more “green”? (2) How can I overcome the challenges of integrating changes? and (3) Is there help to get started?

There are many things businesses can do to be green. From having a free energy audit to installing an array of solar panels, there are options for every budget. A recycling program is a good first step that employees can model at home. Shredding paper going into recycling can be used in compost piles. Printing double-sided and using scrap paper to take notes is not only good for the environment, but also the supplies line in your budget.

Business owners still need to be conscientious of the challenges that come with environmental responsibility. Decreasing paper may create issues if data is not backed up regularly. Using more sustainable materials may increase overall costs, which then get passed to the customer or taken out of profits. However, being aware of these challenges means you can be preemptive. Compare the cost of data back-up with the monthly cost of paper and you may be surprised.

There are many resources available to help you get started. Consumers Energy offers many rebate programs – head to their website for the full list. E3: Economy, Energy, and Environment is an EPA program connecting resources from federal agencies with small/medium-sized manufacturers. For larger projects, lenders guaranteed by the Small Business Administration often have lower down payments and may offer additional counseling. And don’t forget to search for tax credits, such as the Federal Investment Tax Credit for installing solar panels.

Many businesses say they’re “going green” because more consumers are looking for products and services that are environmentally friendly. If you decide to make this statement, your actions should speak louder than your words. While you do need to make a profit, you can also be a powerful example of how to reduce carbon footprints, increase safety, and protect the environment we are tasked with stewarding.

sOl AR ENERGYMaking a Sustainable Difference

in Downtown JacksonPeople of Jackson are in a favorable area for solar energy. Jackson is

home to Consumers Energy which has a net metering solar policy

and higher than average rates ultimately leading to a better return on

investment for solar.

Harvest Solar is a Jackson-based solar installation company, serving

6 states throughout the Midwest. Since 2006 Harvest Solar has

been providing full design and installation of solar energy systems

to homeowners, businessowners, and farmers in Jackson and the

surrounding areas, creating a positive impact on the environment

and creating jobs locally.

Is solar right for you or your business?

When you install a solar energy system on your property, you save

money on your electricity bills, protect yourself against rising

electricity rates in the future and get to take advantage of significant

federal tax credits. How much you can save depends on the utility

rates and solar policies in your area but going solar is a smart

investment regardless of where you live.

We are proud to have worked with many customers local to Jackson

including the local family-owned business creating a new home in

the iconic former Toy House building. The new owner, Christoff

and Sons Floor Covering Inc., decided to invest in clean solar energy

through Harvest Solar in 2019. In the back of their building lies

the newly installed solar array that is expected to produce 26,752

kWh per year, generating thousands of dollars in savings per year.

Christoff and Sons’ solar array will offset the annual greenhouse

gas emissions from 3.9 passenger vehicles. Jackson’s residents and

businesses have already shown their appreciation with regards to the

environmental benefits of this project.

Are you looking to start your solar journey?

Harvest Solar is committed to providing the best solar solutions for

customers. We offer free site assessments, free custom quotes, and

have financing available. Visit us at our website Harvestsolar.com to

learn how you can benefit from solar.

10 Chamber News jan/feb/mar 2020 jacksonchamber.org

enVirOnmenT

JACKsON PuBlIC sCHOOlsJoins the Movement to Save Energy

Tom Lambert / Communications Specialist / Consumers Energy

When it comes to energy efficiency and the environment, Jackson Public Schools is earning

straight A’s.

With multiple buildings and facilities, the school district has made saving energy a priority for two decades. And officials credit Consumers Energy for helping them reach heights they never thought were possible.

In 2018, the city of Jackson ranked second in the ENERGY STAR® Top Small Metropolitan Cities by the U.S. Environmental Protection Agency thanks to the school district having its buildings receive certification.

“We are proud to have the ENERGY STAR logo on our buildings,” said Jeff Huey, director of operations for Jackson Public Schools. “It shows we are one of the top school districts nationally in saving energy. And it wouldn’t have been possible without Consumers Energy being there for us.”

ENERGY STAR was developed by the U.S. government in 1992 as a voluntary program that helps businesses and individuals save money and protect our climate through superior energy efficiency.

“It was a huge honor for us. It showed what we were capable of if we put our minds to it,” said Huey “And we continue to take steps to lower energy costs and be a national leader in supporting energy efficiency measures.”

ENERGY STAR has helped homes and businesses save more than $295 billion on their utility bills nationwide. Jackson Public Schools saved $635,000 within its 13 buildings in 2016. In 2017 and 2018 the district saved a combined $1 million.

The school district has approximately 5,000 students enrolled from Young 5’s through 12th grade.

“We continue to be conscious about our energy use,” said Huey, a 34-year veteran of the school district. “And that leads to us having more dollars to educate our students.”

Last year, the district revamped its operations center with new lighting.

“It did three things: helped with our safety by increasing our visibility at the nearby bus garage, and reduced energy and saved on maintenance for our operations center,” Huey said.

With the help of a business account manager at Consumers Energy, the district also tuned up about 60 boilers through the energy efficiency program.

“They were really thorough and concise to make sure all the boilers were operating at full capacity,” Huey said. “It really has put a spotlight on Jackson for energy efficiency. And we look forward to building on that.”

Kriss Giannetti, director of communications for Jackson Public Schools, said the county’s largest school district is looking to create even more learning opportunities by working with Consumers Energy in a future classroom setting.

“As part of the Jackson Public Schools’ mission, we strive to provide opportunities for our students to be workforce ready,” she said. “We are excited to work with Consumers Energy on a Tech Talent Pipeline pilot program that would teach our Jackson High students the skills to be successful candidates for jobs in the IT/digital field.”

NOTE: Consumers Energy offers rebates and programs that can help businesses of all sizes run more efficiently, save money and deliver a clean energy profile. Join the movement at your business or home at www.MICleanEnergy.com

To learn more about energy efficiency programs for your business, visit www.ConsumersEnergy.com/startsaving. To learn more about Jackson Public Schools, visit www.jpsk12.org.

jacksonchamber.org jan/feb/mar 2020 Chamber News 11

enVirOnmenT

NEw lIfE fOR AN OlD l ANDMARKwith Christoff and Sons Floor Covering

Ted Christoff will never forget the pure joy he felt walking through the doors of Jackson’s Toy House

when he was a young boy.

And years later, he cherished sharing that youthful exuberance with his three young children. They watched in wonderment at model planes buzzing around, stuffed animals banging symbols as a toy train rumbled around the jubilant place that became a staple for families in mid-Michigan.

Now decades later, Ted is all aboard when it comes to protecting Michigan’s environment through Consumers Energy’s Clean Energy Plan. That includes being “all in” on renewable energy and energy efficient products.

Lasting Legacy

“I want our family legacy to be that we care about our community while protecting our environment,” Christoff said. “And I want future generations of my family and this community to enjoy everything that Michigan and our planet have to offer.”

After the Toy House closed in 2016, Ted and his brother Tom had a new chapter in mind for the landmark: the new home of their business — Christoff & Sons Floor Covering Inc.

The Christoff business has been a fixture on South Elm Street since 1979 when their father Chris realized his dream of running a family business.

“Who knew the place we were coming to as kids and parents would end up being our world headquarters one day,” Ted said with a laugh. “If there was ever a time to go after a dream, this was it.”

Tom Christoff said he remembered telling his children the Toy House was closing at the dinner table.

“They started crying,” he said shaking his head at the thought. “That’s the impact the place had on children, including me. When

Tom Lambert / Communications Specialist / Consumers Energy

the building went up for sale, my brother and I knew what had to be done. Some things are just meant to be.”

The Toy House, which opened in 1949, was one of the largest independent toy stores in the nation.

New Digs to Celebrate

The Christoffs were scheduled to open their new digs by the end of 2019. And thanks to some help from a Consumers Energy business account manager who met with the brothers to go over ways they can cut down on energy costs, they have added special touches that are friendly to the planet and their annual budget:

• About 100 new energy efficient LED bulbs will highlight the many colors and products the company offers.

• Two new on-demand water heaters only heat water when needed.

• A new programmable thermostat will control the entire 30,000 square foot building.

• New solar panels capture renewable energy and will result in lower energy bills in the not-so-distant future.

• An electric vehicle charger offers another customer benefit and encourages overall better health through reduced emissions.

• A community room offers space for local nonprofits to hold meetings, avoiding other new construction or renovation costs elsewhere in the city.

The brothers said it’s another way they are leading by example to make mid-Michigan a better place to live. And they thank their energy provider for helping them reach that goal.

“Consumers Energy has been there for us since day one,” said Ted Christoff, who is chair of the Jackson County Chamber of Commerce’s Board of Directors. “We couldn’t be more thrilled with how things are going, and the sky’s the limit for the future of our business.”

The brothers are also quick to credit their deceased parents for their work ethic and pride in making their business the success it is today.

“Our father always said there is nothing more important than your name,” Ted Christoff said. “Both of my parents would be proud of our new home. And my brother and I will make sure their legacy and our name will live on.”

Learn more about how your business can make a difference with the Consumers Energy Clean Energy Plan. Visit www.MICleanEnergy.com

Learn more about Christoff & Sons Floor Covering Inc. at www.christoffandsons.com

12 Chamber News jan/feb/mar 2020 jacksonchamber.org

enVirOnmenT

Elm Plating Company is continuously taking steps to up its game and protect Michigan’s many

environmental assets.

Company leaders said Consumers Energy has been a big help with their energy efficiency programs. By participating in these programs, Elm Plating has saved about $40,000 on reduced energy use at its four Jackson plants and benefited from additional rebates and incentives during the last two years.

“It’s been part of the company’s moral fabric to do the right things that will reduce our environmental footprint,” said Brian Boyer, Director of Environmental Engineering for Elm Plating. Established in 1951, the family-owned business specializes in quality metal finishing for products used in the automotive and construction industries.

“Our top priority is the quality of our services while protecting the environment. And Consumers Energy has been a big part of helping us to do this more efficiently.”

The savings have also led Elm Plating to create a sustainability committee in 2019. The 10-member team meets once a quarter and consists of company employees as well as a member from Consumers Energy’s energy efficiency team.

They discuss long- and short-term projects and determine if they will save money through reduced natural gas and electric use and if they are eligible for incentives or rebates offered by Consumers Energy.

“It’s another opportunity for us to come together to see how we can improve our energy management,” said Boyer. “It helps us stay in lock step while focusing on how we can stay ahead of regulatory and compliance requirements.”

Energy efficiency, renewables and demand response programs are all part of the Consumers Energy Clean Energy Plan to protect the environment by embracing innovative and affordable energy solutions.

The company is partnering with businesses to help them run more efficiently, save money and deliver a clean energy profile for customers.

Elm Plating also participates in the demand response program, agreeing to lower energy use during a limited number of days each summer when customer demand for electricity is very high. The company enrolled three facilities in the program and has earned $76,250 in incentives the last two years by being f lexible on its energy use.

Energy Savings Put Money Back Into Business

Boyer said some of the recent energy savings at Plant 1 can be largely credited to electric use reduction and rebates that resulted from 2019 upgrades implemented to the wastewater treatment system. Likewise, other savings have resulted from conducting a leak study to the company’s compressed air system and subsequently repairing the identified leaks.

“We will now save approximately $20,000 annually by using less electricity, and we put our rebate money right back into the business,” he added.

A total of 70 new LED lighting fixtures have also been installed within the Heat Treat portion of their facility, and the difference is like “night and day,” Boyer said.

“The new lighting definitely helps with visibility and safety with a much brighter work environment,” Boyer said. “It also really helps improve employee morale with regard to their workspace.”

Another ongoing project with Consumers Energy’s energy efficiency team is to measure and quantify Elm Plating’s new high-efficiency paint line for reduced gas and electrical use at their Plant 3 facility located on Hupp Street.

“We have two old paint lines that we are looking to update and replace with Consumers Energy’s help,” Boyer said. “Our new dip spin paint line is the most sophisticated paint line in the United States.”

“Our sustainability committee has put a sharper focus on Elm Plating’s commitment to not only our business operations, but also to our impact on the Michigan economy and environment through reduced energy use,” said Boyer.

“Our employees like that we have a sustainability commitment, it’s important in how we do business every day,” he said. “And our sustainability committee holds us accountable as a company to ensure we do our part.”

Learn more about the Clean Energy Plan and energy efficiency programs for your business at www.MICleanEnergy.com.

Learn more about Elm Plating at www.ElmPlating.com.

ElM Pl ATINGTaking Steps Today for a Better Tomorrow

Tom Lambert / Communications Specialist / Consumers Energy

jacksonchamber.org jan/feb/mar 2020 Chamber News 13

nO faULT insUranCe

Welcome to 2020 where the

new year brings new changes

and choices for Michigan car

insurance. For over 40 years, Michigan has

had one of the broadest and best medical

and financial benefits offered through car

insurance in the world!

These benefits include unlimited medical

and rehabilitation expenses as well as

coverage for loss of wages and loss of

services such as home care, lawn care, and

other services normally performed by the

insured party.

But, some of the best coverage in the

world comes with a price tag and due to

the continuous cost increases for medical

benefits, the price tag has made Michigan

one of the most expensive states for auto

insurance. The no-fault law of the 1970’s

mandated insurance for all car owners. It’s

been estimated that 17% of Michigan car

owners are driving without insurance due

to the excessive cost.

In 2019, the Michigan legislature voted to

reform the no-fault law and on July 2, 2020

the reformed version will go into effect.

While the intention is to lower your car

insurance rates (by State mandate), the

portion of your policy most significantly

affected will be the no-fault portion. Car

insurance policies have numerous coverage

parts including liability, uninsured and

underinsured motorist, comprehensive,

collision, and supplemental coverages like

road service and car rental. So, while a rate

decrease has been promised, it will not be a

decrease on the entire policy, only the no-

fault section.

Medicare currently pays in excess of auto

insurance for injuries, but in 2020 Medicare

will be primary coverage for auto injuries

which may mean rate relief for our senior

citizens who today are forced to carry full

medical under their car insurance. In July

2020, they will be able to opt for lower

medical benefits on their car insurance to

supplement what Medicare will not pay.

All other insureds will be offered options

ranging from unlimited medical benefits

(same as present) to fixed limits ranging

from $2 million to $50,000. Options

will also be offered for the wage loss and

replacement service parts of the no-fault

coverages.

Very simply, the less coverage you buy, the

less expensive your car insurance will be.

And that’s where the new

“faults” come in. People

tend to think about costs

rather than benefits. If

unlimited medical coverage

were to cost $400 to $500

more per year per vehicle,

that a relatively inexpensive

way to provide for your

family’s well-being and

protect your personal assets.

The car insurance does not

just cover the owner of the

car, but all family members

within the household.

Replacement services is

another option to take less

coverage, but again, needed

services come at a high price

and can quickly eat into the

family savings.

So, what’s the right choice?

Everyone wants to save

money on car insurance,

but reducing or eliminating

coverage could be a path

towards bankruptcy.

Rather than risk making a bad choice, why

not consult your local insurance agent and

seek some guidance? Don’t have an agent?

There are plenty that belong to the Jackson

Chamber and should be available to discuss

your options.

So, together with your agent, good coverage

decisions may help keep new faults out of

your Michigan no-fault car insurance.

NEw fAulTs TO NO - fAulT INsuRANCEJoe Wolfe / Agent / The Protection Center

4 Generations Strong!

Celebrating

517-750-1900151 Second St., Spring Arbor, MIArborManorRehab.com

9203029-01

OVER

14 Chamber News jan/feb/mar 2020 jacksonchamber.org

DiVersiT Y sUrVeY

As part of continual growth, the Chamber conducted a Diversity & Inclusion (D&I) Survey and sent it to all our members. This confidential online survey assessed the members diversity and inclusion programs within their organization and define areas of strengths and opportunities for change.

Fifty-two representatives completed the survey, representing an overall response rate of 6.5%.

The data will be utilized as a baseline and will help direct the work and programs that we offer. We will integrate the survey findings into our work as we move forward with implementing our strategic plan.

OrganizaTiOns are maKing sTriDes arOUnD

DiVersiTY & inCLUsiOn

d&i is a priority area that is valued at my organization

employees at my organization demonstrate a commitment

to creating an inclusive environment

D & i prOgram gOaLsWhile almost half of the organizations surveyed (49%)

leverage their d&i programs to attract and retain talent or achieve business results, a much smaller group (18%) are leveraging d&i to enhance external reputation and comply

with legal requirements.

prOgram OVersighTWhile d&i survey data indicates that having a

dedicated d&i leader is one of the elements that differentiates organizations where d&i is not seen as

a barrier to progression, only 23% of organizations have adopted this program structure.

Training prOgrams in pLaCeover half of north american organizations (54%)

provide training on non-discrimination and regulatory compliances, and a significant portion focus on

embracing differences in the workplace. Yet, there’s opportunity to expand training on embedding inclusive

behaviors and managing diverse populations.

tasking leaders with specific d&i goals is key to driving results. despite this, only 23% organizations

have adopted this practice measuring progress towards the achievement of these goals.

leaders are tasked with specific d&i goals 23.08%

leaders’ progress toward meeting their d&i goals is measured 19.23%

progress towards meeting d&i goals influences performance evaluation & compensation outcomes for leaders

7.69%

progress towards meeting d&i goals influences performance evaluation & compensation outcomes for all employees

7.69%

none of the above/i don’t know 65.38%

hOw DOes YOUr OrganizaTiOn DriVe aCCOUnTabiLiTY fOr D&i resULTs?

jacksonchamber.org jan/feb/mar 2020 Chamber News 15

DiVersiT Y sUrVeY

LeVeraging DaTadriving sustainable change requires effective

monitoring efforts. most organizations track employee demographics (e.g., gender), but significantly less

measure discrepancies in compensation, performance, or promotions based on these attributes.

the survey indicated communication within organizations is an area for improvement. 66%

of the organizations do not publicly communicate information about its diversity goals. almost

half of the business leaders communicate very infrequently or not at all to their employees. let’s

work together to change this. the chamber is working diligently to take the

information provided to create ways to help your business with d&i programs and goals. We invite

you to come to these events to learn how your company can further their d&i goals.

Kevin LaMarre and Max RappleyeJackson Independent Branch209 W. Louis Glick Highway, Suite A schwab.com/jacksonmi

Low cost. Full service.Your days of making trade-offs are over.

See schwab.com/pricing for additional information.©2019 Charles Schwab & Co., Inc. (“Schwab”) All rights reserved. Member SIPC. SCH1223-4 (1018-8X9S) (12/19)

16 Chamber News jan/feb/mar 2020 jacksonchamber.org

134 W. Michigan Ave. • Jackson, MI 49201

517.782.8221 • www.JacksonChamber.org

PRSRT STDU.S. POSTAGE

PAIDPERMIT #10

48185

111 th Annual Meeting Looking back, to move forward!

JACKSON COUNTY

Chamber of Commerce

Join us in honoring our award recipients & Board of Directors

January 30th, 2020

5:30 - 9:00 pm

Jackson College Potter Center