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Working to make Mount Joy a great place to do businessChamber News
From thePresident
What’s Inside…Page 2• Events Calendar• Special Thank You• Mount Joy Minnie• Monthly Meetings/Board Members• Contact Us
Page 3• New Member Focus: Lehman Insurance Agency• New Members• Chamber Mixer @ PNC Bank
Page 4• New Member Focus: Bonafide Boutique
Consignment• Chamber Banquet & Auction 2013• Winterfest Information
Page 5• New Member Focus: Mystic Design Tattoo Studio• News from Chamber Members• Local Website Links
Page 6• News From Chamber Members
Page 7• Member to Member Discounts
Page 8• Financial Focus
Page 9• A Conversation with Senator Brubaker
Pages 10-11• Ads from Chamber Members
The Back Page• Sapphire Members: As the Crow Flies
and Eberly Designs
Don’t Forget Holiday Luncheon
Mount Joy Pennsylvania
December 2012
2012 Special Level Members Diamond
• GIANT Food Stores• Dottie Metzler• The Gathering Place• Shire Interactive
Sapphire• As The Crow Flies• Barb O’Neal• Deborah Swanger Photography• Eberly Designs, Inc.• Engle Printing & Publishing Co.• Union Community Bank
Platinum Plus• Scott E. Albert Attorney at Law• The Apartments of Florin Hill• Eden Park Pediatric Associates• Great Clips• Heilig Funeral Home• The Hetrick Center• J.B. Hostetter & Sons• JDH Promo Advertising Specialties• JMJ IT Solutions LLC• Mount Joy Family Restaurant & Diner• Northwest Savings• Susquehanna Bank• Traditions of America• Whitmoyer Auto Group
Platinum• Clearview Lanes/Hennigans• Jim Roberts West Main Auto• Leffler Energy• Melhorn Sales, Service & Trucking• Mount Joy Country Homes• Nolt Electric• PNC Bank• Schell Web Designs• Shelly Oil Company• Two Cousins Pizza• Walter S. Ebersole American
Legion Post 185
www.mountjoychamber.com
We hope you will join us for the Chamber’s December “Holiday” luncheon on Wednesday, December 12 at 11:45 am at Bube’s Brewery, 102 N. Market Street. Jay Frey from New Path Community Church will be doing an inspirational talk for the holidays. We are again this year asking you to bring nonperishable food items and/or monetary donations for the Mount Joy Food Bank. Last year not only did you bring many bags of groceries but also monetary donations amounted to an amazing $525.00!! Let’s see if we can’t beat that this year. The cost for this luncheon is $15 and checks can be made payable to: Bube’s Brewery. As always, receipts will be available. If you plan on attending the luncheon, you can RSVP by emailing: [email protected] or call the Chamber office at 653-0773.
It’s hard to believe that 2012 is coming to an end. 2013 dues invoices will be going out in the mail in the next few weeks. Please take the time to fill out the information requested and mail it back to the chamber office by January 31, 2013 so your name can be entered into a drawing to win $100.00 in Mount Joy Money Gift Certificates!!
Gift CertificateThe Perfect Present ~ Mount Joy Money
• You Don’t Have To Leave Mount Joy! • No Fighting The Crowds At The Mall!• A Great Gift For Employees or That Hard To Buy For Person!
• Purchase at the Chamber Office!• You Will Be Supporting Mount Joy Businesses!• Choose From Over 50 Participating Businesses In Mount Joy!
www.mountjoychamber.com • Mount Joy Money is a Mount Joy Chamber of Commerce Program 62 E. Main St., Suite 1, Mount Joy 653-0773 Tues.-Fri. 10 am to 4 pm
2012 Board President
George Zook, Ed.DBruner Wealth Management LLC
Vice PresidentDr. Mary Colman • Hetrick Center
TreasurerHolly Noll • Rocky Acre Farm B&B
Members at LargeMitch Denlinger JMJ IT Solutions, LLCBen Fahndrich Custom Green TechnologiesPaul Gardner Heilig Funeral HomeLeslie Houck Union Community BankCarl Shank Cross Roads Brethren in Christ ChurchFerne Silberman Prudential Homesale Services Group
Monthly Meetings
Meetings are held at 11:45 a.m. the Second Wednesday of the MonthMembers: $10 Non-members: $15 Reservations: 653-0773 or email [email protected] stated otherwise
2 Chamber News | Dec 2012
Events CalendarDecember 2012December 1 • 4-7 p.m. – 14th Annual Winterfest | Main Street Mount Joy EventDecember 5 • 4-7 p.m. – Longwood Manor Open House and Ribbon Cutting (5 p.m.)| For Memory Care FacilityDecember 8 •10 a.m.-Noon – Norlanco-Rheems Kiwanis Club | 11th Annual Winter Chicken BBQ | Purchase tickets at Simp-lee Seafood or Chamber OfficeDecember 12 • 11:45 am – Chamber Luncheon | Bube’s Brewery Jay Frey, New Path Community Church giving an inspirational talk.
We will be collecting nonperishable food items and monetary donations for the Mount Joy Food Bank
December 14 – Chamber Newsletter DeadlineDecember 21 – Sandy Relief Fundraiser | Bube’s Brewery | www.bubesbrewery.com for more information
January 2013January 9 •11:45 a.m. – Chamber Luncheon | The Gathering Place Dan Stone of CPRS on “Occupational Health: Using Preventative Health Initiatives
to Save Money”January 16 • 5-7 p.m. – Chamber Mixer | PNC Bank | NOTE Rescheduled Date
February 2013February 2 • 7 a.m. – Mount Joy Minnie
March 2013March 1 • – Annual Chamber Banquet and Auction | SAVE THE DATE!
A special “Thank you” to Sharon Myers, As the Crow Flies and Deborah Swanger, Deborah Swanger Photography for their $100.00 contribution to the Mount Joy Chamber. The contribution was made In Memory of Sharon’s husband, Bob Myers. Anyone that dealt with Bob knows that he was a jokester and fun to be around. He was always sure to let me know that his “Myers” was the correct spelling and my “Meyers” was incorrect! Bob was always full of new ideas and one of them we can thank him for is “Mount Joy Minnie”. Speaking of Mount Joy Minnie.........
Mount Joy MinnieDon’t forget February 2, 2013, a very important day in the life of a ground hog named Mount Joy Minnie. Mark your calendars now to witness Mount Joy Minnie making her 5th Annual appearance, so you will be among the see and be seen. Watch for more info! Barb O’Neal, Nancy Shonk and Paul Gardner with the Mount Joy Chamber of Commerce are pictured with Mount Joy Minnie and Bryan Jordan from 101 The Rose. Bryan announced later that day on the radio that he needs to
purchase a top hat if he is going to keep participating in Mount Joy Minnie!
Contact UsMount Joy Chamber of CommerceKerry Meyers, Chamber Coordinator
62 E. Main Street, Suite 1
Mount Joy, PA 17552
653-0773 or email
www.mountjoychamber.com
A Special Thank You
3 Chamber News | Dec 2012
Welcome Our New Chamber Members
Rotary Club of Mount Joy
Ed Bartakovits, presidentP.O. Box 553Mount Joy, PA 17552484-225-0435www.mountjoyrotary.org
Robert Meyers315 School LaneMount Joy PA 17552
CONTACT INFORMATIONDeanne Skocik, Insurance Agent968 E. Main StreetMount Joy, PA [email protected]
Does Lehman Insurance Agency offer both commercial and personal insurance? Our agency is a full service agency and we can provide for almost all your needs per-sonal or commercial. We are also a member of the Keystone Insurers group which allows us to pool our resources and knowledge for even more consumer friendly options.
Do you have different companies that you work with for quotes? We work with an extensive list of financially stable and highly rated insurers such as: Goodville Mutual, Donegal Mutual, Travelers, Penn National, Progressive and Foremost just to name a few.
If someone was coming into you for a quote, what is the type of information that they should bring in with them? If you wish to obtain an accurate insurance quote the most important piece of the puzzle is to bring along a copy of your current policy. Most information we can read right off of the first several pages. Auto quotes always require a date of birth, drivers license number and usually a social which are not always listed on your current policy. Homeowners quotes will also require physical information about the property including square footage, prior claims and almost always a credit check.
When shopping for insurance coverage, let’s say home and auto, what do you feel are the most important things to look at? I think that the best way to approach “shop-ping” is to first have the agent quote exactly what you currently have so that a true price comparison can be made. The next step is to ask for recommendations and options from the agent that may adjust your pricing further. A good rule of thumb is to check your rates every 2 years as prices vary, life situations change and coverage in your contract can change as well. Make sure that you do check with a local independent insurance agent who has access to many different companies at one time. Finally ask your friends and neighbors what agency or company they have had rewarding experiences with. We love referrals from our current customers!
What are your hours at Lehman Insurance Agency Inc.? Mount Joy office hours are Monday, Wednesday, Friday from 9-2, Tuesday from 8:30 until 4:45. Thursday’s, evenings and weekends are by appointment only at this time. The Ephrata Office (733-2050) is available Monday thru Thursday 8:00-6:00 and Friday 8:00-5:00, The Morgantown Office(610-286-0956) is open Monday thru Friday 8:00-4:30
Lehman Insurance Agency Inc.
Chamber Mixer at PNC Bank
917 E. Main StreetMount Joy
January 16, 2013 5 to 7 p.m.
Connect with Fellow Chamber Members
Mix and Mingle While Enjoying Refreshments
Please RSVP by Friday, Jan. 11Stacey: 653-4068 or
[email protected]: 653-0773 or
Office Hours Nov. 30 to Dec. 7
Nov. 30 – Closed
Dec. 4 – 10 to 4
Dec. 5 – 10 to 4
Dec. 6 - 10 to 2
Dec. 7 - Closed
4 Chamber News | Dec 2012
Welcome the holidays by participating in Mount Joy’s 14th Annual Winterfest on Saturday, De-cember 1, from 4-7 p.m., on Main Street in Mount Joy.
This family event includes holiday music performances, fabulous food by local restaurants, and ice sculptures. Throughout the evening you can also step inside, browse, and warm up in our local shops. Families can also enjoy visiting Santa Claus, train rides, and indoor children’s activities. The eve-ning ends with the official lighting of the community Christmas tree at 7 p.m. Admission is free, so come and celebrate the season in style!
Winterfest is a Main Street Mount Joy sponsored event.
For more information, visit
www.msmj.org or call 653-4227.
In case of inclement weather, please refer to the website
Remember Chamber Banquet & AuctionThe Chamber Banquet and Auction Team again reminds you to consider
donating to the 2013 Banquet, which will be held on Friday, March 1 at The Gathering Place. The Team realizes that you may be planning your donation budget for 2013 and they would like you to consider us when you do. The donations can be in the form of silent auction items, live auction items, monetary donations or a sponsorship. Formal request for auction items will be mailed out in January. The Team would like to say “Thank You” in advance for any help and donations you can give.
MOUNT JOY2012
SaturdayDecember 1
4–7 p.m.
AREA COMMUNITY
A MAIN STREET MOUNT JOY EVENT
CONTACT INFORMATIONKristen Miller, owner67 E. Main StreetMount Joy, PA 17552492-0553www.bonafideboutique.comkmiller924@yahoo.comwww.facebook.com/ BonafideBoutiqueConsignment
What made you decide to open a consignment shop in Mount Joy? I have always loved Consignment shops and have bought & resold items either online (eBay) or at flea markets. I had a special room in my house that I stored all of my “treasures” in. It eventually started to spill into and take over the living room, so I decided to start looking for a store front! I have al-ways dreamed of owning my own business and I thought now would be the perfect time! I literally researched 12 hrs a day, 7 days a week and visited many places to find that special one. I just love the way Mount Joy looks and feels. I love how close all of the businesses and business owners are and how the local organizations come together to help the small businesses in every aspect. I am very glad to be part of Mount Joy and to be a part of some great organizations! I look forward to meeting each and everyone of you!
Will you explain how your shop, Bonafide Boutique Consignment, works? We offer a 90 day consignment, where the items the consignor brings in will be put up for sale. The consignor will receive 40% of whatever their items sell for. We also accept donations at any time. You can view a more in depth “How To Consign” on our website @ www.bonafideboutique.com.
What types of items do you offer for sale? We sell gently used and new children’s, juniors, women’s, men’s clothing and accessories, shoes, jewelry, purses/handbags, baby equipment and toys. Do you have any weekly/monthly special that you offer? Thrifty Thursdays have just begun here at Bonafide Boutique Consignment! Every Thursday (excluding holidays) there will be a different special/discount in-store only. The specials will be posted on our Facebook page and also displayed on our Sandwich Board out front of the store. We also participate in Main Street Mount Joy’s 4th Friday Celebration. We stay open until 8pm on 4th Fridays and always offer a special or discount. If you are interested in receiving our monthly newsletter and coupons, please contact us today!
Bonafide Boutique Consignment
5 Chamber News | Dec 2012
CONTACT INFORMATIONTim Fry, owner1447 W. Main Street, Mount Joy, PA 17552538-0565
What all is involved in the safety aspects of owning a tattoo studio? The most important thing to me is sanitation for my clients. Auto-claving and using mostly disposable instru-ments insures their safety. I am certified in blood borne pathogens, first aid and CPR.
How does a client decide on a tattoo? Most people come in with an idea of what they want. I can design one with them or work from a picture they bring in.
Why did you decide to become a tattoo artist and open your own studio? I love art and tattooing. I wanted my own studio be-cause I would like to change peoples perspectives on tattoo studios. I want to be more about art and the meaning behind them and less about shock factor.
Do you have regular studio hours? To receive a tattoo you must make an appoint-ment. Appointments can be made for evenings and weekends. Please feel free to drop in and check us out when we are in!
Mystic Design Tattoo Studio LLC
Mount Joy Boroughwww.mountjoypa.org
Mount Joy Townshipwww.mtjoytwp.org
East Donegal Townshipwww.eastdonegaltwp.com
Donegal School Districtwww.donegal.k12.pa.us
Milanof-Schock Library www.mslibrary.org
Mount Joy Rotarywww.mountjoyrotary.org
Mount Joy Lions Clubwww.mountjoylions.net
Norlanco Rheems Kiwaniswww.pakiwanis.org/clubs-and-divisions/club-details/?club_id=118
Main Street Mount Joywww.mainstreetmountjoy.com
Local Gov’t & Service Organization Website Links
The Extraordinary GiveThe Milanof-Schock Library is usually closed on Fridays (due to budget cuts), but on Friday, November 30, it will be open from 10:00 a.m. to 8:00 p.m. as it partici-pates in a special campaign called “The Extraordinary Give”, Lancaster County’s first 24-hour online giving challenge. The Library will offer fun activities for kids and adults, there will be refreshments in the lobby, and patrons can enjoy our regular library services (computer access, item checkout, photo copying). Library staff will also be available to assist any community members who wish to support the Library by donating on that day. The Lancaster County Community Foundation will match a portion of each donation made. For more information, visit www.extragive.org or the Library’s website at www.mslibrary.org
Mount Joy Lions Club Swimming Pool Seeking Snack Bar Operator for 2013 Season
The Mount Joy Lions Club Swimming Pool is seeking a person to lease and operate their Snack Bar located on the pool grounds at 200 Fairview Street, Mount Joy. The opera-tion is seasonal with opening on Saturday of Memorial Day weekend and closing at the close of hours on Labor Day. Daily operation coincides with pool operating hours which are Noon to 8 p.m. Monday thru Saturday and 1 to 8 p.m. on Sunday. All operations are subject to weather conditions and attendance levels.
The lessee would be re-sponsible for the full opera-tion of the facility, including stocking of product(s) for sale, establishing the menu, hiring of employees, daily operation and operation during special events, payroll and routine mainte-nance associated with daily operation.
The lessee would be re-quired to carry appropriate liability and workman’s compen-sation insurance and be appro-priately certified in food service procedures.
Interested persons may con-tact Pool Authority Chairper-son, Mike Guinivan at [email protected].
6 Chamber News | Dec 2012
Mount Joy Legion Riders and Families United Network, Inc. hosted the 3rd Annual Toy Run on Saturday, November 3rd, to benefit area foster children serviced by Families United Network, Inc. The event was open to motorcycles, street rods and muscle cars. Ride participants were asked to bring a new unwrapped gift or a monetary donation to help with the Families United Network, Inc. Annual Foster Family Christmas Party, which will be held on December 6, 2012. The ride left from the Elizabethtown Legion at noon with stops at the Mount Joy Legion, Columbia VFW and the Bainbridge Legion. The Elizabethtown and Mount Joy Legions also have “Angel Trees” in place to ensure that each child attending the party will receive a gift for Christmas. Last year over sixty foster children received gifts from this event. The Mount Joy office of Families United Network serves foster children primarily from Lancaster, Dauphin and Berks County. To learn more about fostering or adopting a child in Pennsylvania, visit the Families United Network website at www.families4kids.org or call the Mount Joy Office at 717-492-9338.
Isaac’s along with Northwest Savings Bank and Union Community Bank will be collecting Toys for Tots, from now until Dec. 7th.
• Toys should be NOT be wrapped.
• Toys should be new.• Gifts can be purses,
backpacks, art supplies, books…they don’t have to be a toy.
• Gifts are collected for newborn – age 16. Toughest age group is 8-12 year old.
Along with being a drop off for Toys for Tots, you can also drop off your monetary donations to the rebuild fund for Joy Land Playground at Union Community Bank.
Here are some of the events happening at Darrenkamp’s this month.
Santa will be at Darrenkamp’s on Dec. 8, from 10 a.m. to Noon. Have your picture taken with Santa for FREE, when you purchase a non-perishable food item for the local food bank.
Darrenkamp’s is offering fully cooked Christmas Dinners and New Years Dinners. If you purchase $100 or more in Darrenkamp’s Gift Cards, you will receive a 5% discount!
Darrenkamp’s is your Holiday Party Headquarters. See our ads on page 11.
The Milanof-Schock Library has received a $500 grant from the National Endowment for the Humanities (NEH), the Library of America (LOA), and the Gilder Lehrman Institute of American History collectively to be used toward a series of programs highlighting the Civil War.
These programs, beginning in January 2013, are part of the NEH’s national public programming initiative – Civil War 150: Exploring the War and Its Meaning through the Words of Those Who Lived It – designed to encourage public exploration of the transformative impact and contested meanings of the Civil War through primary documents and firsthand accounts. This project is to recognize the Civil War’s 150th anniversary.
The Milanof-Schock Library has received a sponsorship in the amount of $1,500 from the GlaxoSmithKline Vaccines corporation to be used toward a much-needed computer upgrade at the Library.
Families United Network and Mount Joy Legion Riders
Toys for Tots Collection Sites
December Events @ Darrenkamps
Library Receives Grant and Sponsorship
FUN Staff: Denise Wescott, Lisa Cannon, Liz Lewis,
7 Chamber News | Nov 2012
As The Crow Flies 62 E. Main St., Mount Joywww.AsTheCrowFliesMtJoyPA.com 653-1325Show your Chamber membership card to receive 20% off your total purchase (excluding sale items and gift certificates). Cannot be combined with any other offers or discounts. Valid through 12/31/2012.
B.B. Plumbing 38 W. Main St., Mount Joy www.bbplumbing.biz 653-8036Offering Chamber members $25.00 off your next service call. This may not be combined with any other discounts or specials. Offer valid through 12/31/12.
Custom Energy Solutionswww.customenergyonline.com 615-0045Call Ben Fahndrich, Energy Management Consultant before your old rate expires, he will review your bill and help you find the lowest fixed rate available. Receive an additional discount of $0.002 per KWH off the lowest rate available to your business from EMES. Rates are guaranteed for up to three years. We now offer gas contracts.
Deborah Swanger Photography 206 E. Main St., Rear, Mount Joywww.deborahswanger.com 653-677410% off to Chamber members (excludes Session Fees, Head Shots, and Commercial Photography.)
First Data 3540 Old Philadelphia Pike, IntercourseEmail: [email protected] 468-1866 Pete Beckary, Acct. Executive Chamber exclusive discount on convenient, cost-effective, secure payment processing solutions. Call for details.
The Gathering Place 6 Pine St., Mount Joywww.gatheringplacemj.com 653-5911$1.00 off per adult or senior meal at the Sunday Buffet on your guest check. Offer not valid on holiday meals or with any other offers, discounts or coupons. Buffet served Sundays, 11 am to 2 pm. Walk-ins are welcomed. Reservations are appreciated.
Gehman’s Furniture & Interiors 51 E. Main St., Mount Joy 653-148810% discount on furniture and window coverings. Must present member card at time of purchase.
Henriques Chiropractic 1013 W. Main St., Mount Joy www.drdononline.com 367-6224Complete consultation, chiropractic examination, and any necessary x-rays normally a $200 value all for $49. This is available to any Chamber Member, their employees or their families. Call to schedule your check up today.
The Hetrick Center 20 N. Barbara St., Mount Joywww.hetrickcenter.com 653-030310% off massages for Chamber members. Call to schedule your appointment today!
JMJ IT Solutions/Wireless 18 W. Main St., Mount Joywww.jmjitsolutions.com www.jmjwireless.com Contact Mitch and Tim 492-4689JMJ IT Solutions - 10% discount to any business associated with the Mount Joy Chamber that does any computer related services. JMJ Wireless - 25% off on all cell phone-related accessories and also offering a free wireless bill audit.
MaidPro Central PA www.maidpro.com/centralpa.com 967-840015% off all cleanings, residential and commercial.
Pennsylvania Chamber Insurance 417 Walnut St., Harrisburgwww.pachamberinsurance.com 800-755-3021 [email protected] and individual insurance and benefit solutions of medical, dental, vision and life, short/long term disability, worker’s compensation, part-time employee benefits, individual and family insurance and more. Benefit from a group Chamber rate. Call Melissa MacMullin, Benefit Consultant
Photography by Barry 15 Marietta Ave., Mount Joywww.photographybybarry.com 468-545215% off your next portrait package. This may not be combined with any other discounts or specials. Valid through 12/31/12
Dr. Ralph Ellenberger Chiropractic 740 W. Main St., Mount Joywww.ellengergerchiropractic.com 653-9176A 5% discount for office visits. This is not valid with any other coupons, specials or discounts.
Snap Fitness 763-765 E. Main St., Mount Joywww.snapfitness.com 653-1044Free Enrollment and 10% discount on the monthly dues to Mount Joy Chamber members. The only upfront cost in addition to the discounted monthly dues is $20 for the access keycard. The card allows member access to all Snap Fitness Centers globally 24/7.
Spot Light Media 362 Hereford Road, Elizabethtownwww.spot-lightmedia.com 689-3703Offering a special rate to advertise on LED screens: only $300 a month with a three-month commitment. Rate applies to our daily routes through Lancaster and Dauphin counties. Guaranteed a 15 second spot every 5 minutes/12 per hour. (Price is for one side only.)
Xquisite Nail Design & Day Spa 115 E. Main St., Mount Joywww.xndanddayspa.com 653-2402Offering 15% off all salon services to Chamber members. Cannot be combined with any other coupons or discounts.
Member To Member DiscountsMember to Member Discounts is a Chamber
member benefit. When you join the Mount Joy Chamber you receive a membership card. To receive the discounts at participating Chamber members, you must show your membership card.
With 2012 quickly coming to an end, I would like to update the Member to Member Discounts. Below
you will find the list for 2012. If you are listed on here, please let me know if you would like to keep the same discount, change it or not offer one for 2013.
If you had not offered a Member to Member Discount before but would like to, please contact the Chamber office to be added to the list.
2012 COC Member-to-Member Discount Participants (clip and save)
This information was provided for Chamber News byNathaniel MillerEdward Jones410 B West Main Street Mount Joy, PA 17552 (717) 653-1874 www.edwardjones.com
$Now that 2012 is drawing to a close, you may want
to review the progress you’ve made this past year in many areas of your life — including your financial situation. By going over your investment portfolio and other key areas related to your finances, you can learn what moves you may need to make in 2013 to stay on track toward your important objectives, such as college for your children, a comfortable retirement and the ability to leave the type of legacy you desire.
To get a clear picture of where you are, consider asking yourself these questions:• Am I taking on too much risk? Although 2012 has
generally been a pretty good year for investors, we’ve certainly seen periods of considerable volatility. During these times, did you find yourself constantly fretting about big drops in your portfolio value? In fact, have you consistently experienced this type of worry throughout your years as an investor? If so, you might be taking on too much risk for your individual risk tolerance. Review your holdings to determine if you can lower your risk level without jeopardizing your overall investment strategy.
• Am I investing too conservatively? Just as you can take on too much investment risk, you can also go to the other extreme by investing too conservatively. If your portfolio contains a preponderance of investments that offer significant preservation of principal but very little in the way of growth potential, you may be endangering your chances of accumulating the resources you’ll need to achieve your long-term goals.
• Am I contributing as much as I can afford to my retirement plans? If you have access to an employer-sponsored retirement plan, such as a 401(k), 403(b) or 457(b), consider yourself fortunate. Your plan has the potential to grow on a tax-deferred basis, and you typically contribute pre-tax dollars — the more you put in, the lower your annual taxable income. Plus, your employer may match part of your contributions. So if you’ve been under-funding your retirement plan,
ratchet up your funding in 2013. At the same time, you may still be eligible to contribute to an IRA; if so, try to “max out” on it. A traditional IRA grows tax deferred while a Roth IRA can grow tax free, provided you meet certain conditions.
• Am I adequately protecting my income — and my family? Over time, you’ll experience many changes in your life — marriage, children, new job, new home, etc. Most, if not all, of these changes will require you to make sure you have adequate life insurance in place to help guard your family’s future, should anything happen to you. Furthermore, to help replace your income should you become disabled, you may well need to purchase an adequate amount of disability income insurance.
• Do I need professional help? As the above questions indicate, maintaining control of your financial situation can be challenging — especially if you try to do it all on your own. You might benefit from working with a financial professional — someone who can analyze your situation objectively and make recommendations based on your risk tolerance, time horizon and specific goals.
Before the clock runs out on 2012, take the time to ask yourself the above questions. The answers may well
This article was written by Edward Jones for use by your local Edward Jones Financial Advisor.Edward Jones, its employees and financial advisors are not tax advisors and cannot give tax advice. Please consult your qualified tax professional regarding your situation.
Financial FOCUS
Time for Year-End Review of Your Financial Strategy?
8 Chamber News | Dec 2012
Many state residents gathered [November 11] at ceremonies across the commonwealth to honor the sacrifices and service of our nation’s veterans. During the 2011-12 legislative session, I supported passage of a number of new laws intended to help those who have served our nation, as well as those who are currently deployed.
One of the most important measures signed into law this year created the Veterans Trust Fund. This program will supplement state appropriations for veterans programs, offering another avenue to enhance existing programs, services and benefits our state already offers. Because the program would be funded by voluntary contributions, the new law will help veterans without asking taxpayers to contribute significant new funding.
I also cosponsored legislation that will help veteran-owned small businesses compete for state contracts. The law sets a statewide annual goal of at least three percent in state contracts awarded. The measure also led the Department of General Services to expand its Small Diverse Business Program – which currently assists small businesses owned by women or minorities – to include veteran-owned small businesses.
In addition to these measures to support our veterans, legislators also created new laws to help current service members and their families. Perhaps the most significant new law helps make education more accessible to children of military families and make school transfers and transitions more uniform and less stressful. I also supported passage of a bill that makes it easier for deployed soldiers to transfer child custody during a deployment and to testify remotely if a court proceeding is held while the soldier is deployed.
A law passed in 2011 allows all Pennsylvania hunting license-issuing agents to sell reduced-fee hunting licenses for members of the U.S. Armed Forces and PA National Guard. Under the previous law, qualified members of the military could only receive the $1 hunting licenses through a county treasurer or the Pennsylvania Game Commission. The expanded sales law made these licenses more accessible to members of our military.
To protect the voting rights of service members and make absentee voting more convenient for members of the military, I cosponsored a new law that simplifies and provides uniformity to the registration and absentee ballot process for uniformed service voters and overseas civilian voters for all elections within the commonwealth.
While citizens often express our appreciation for our veterans on holidays such as Veterans Day and Memorial Day, I believe it is important to carry this sentiment forward throughout the year. We are a stronger nation because of their service, and I urge local residents to seek out our nation’s heroes to voice our thanks for the sacrifices they have made to keep our nation safe and free.
A Conversation with Senator Mike Brubaker (R-36)
New Laws Benefit Veterans, Military Personnel
9 Chamber News | Dec 2012
A limited supply of free 2013 Senate calendars is available now at my district office in Lititz.
The calendars, which were not paid for with taxpayer dollars, are available on a first-come, first-served basis. Local residents can pick up a calendar by stop-ping by the office at 301 East Main Street or reserve one by calling (717) 627-0036.For more information on issues of importance to Lancaster and Chester County residents, please visit my website at www.senator-brubaker.com.
2013 Calendars
Is your business celebrating an anniversary?
Have you won an award?
Are you having a special sale or
promotion? Be sure to email it to the
Chamber office at info@
mountjoychamber.com
for the monthly Chamber
newsletter!!
REMINDERDue to vacations
and the Christmas
Holiday, the January
Newsletter deadline
in December 14.
Sloan’s Pharmacy
Register Roulette Sale December 1- 24
Spin the wheel to get your discount! 10-40% off All Regularly-Priced Gifts
(excludes Hallmark and Clearance merchandise)
Starting December 26, ALL Christmas Gifts 40% off
61 E. Main Street, Mount Joy653-4001
www.sloanspharmacy.com
Please place your order at our Deli Dept. by Friday, December 21, 2012 All dinners should be picked up by 5:00 pm Monday, December 24, 2012
Prepared with care in Darrenkamp’s kitchen. Just heat, serve & enjoy!
G
ChristmasMerryWishing You And
Your Family A Very
Holiday Dinners $5495
Includes: 1 Fully Cooked 10 to 12 lb. Turkey OR Fully Cooked 5 to 6 lb. Avg. Boneless Ham 2 lbs. Mashed Potatoes 2 lbs. Stuffing2 lbs. Gravy 2 lbs. Corn 1 lb. Cranberry Relish 1 Pumpkin Pie
SERVES 4-6 PEOPLE
Please place your order at our Deli Dept. by Friday, December 28, 2012 All dinners should be picked up by 5:00 pm Monday, December 31, 2012
Prepared with care in Darrenkamp’s kitchen. Just heat, serve & enjoy!
G
Wishing You And Your Family A Healthy And Prosperous
Happy New Year!New Year’s Dinners
$4295
Includes: 3 lbs. Fully Cooked Boneless Pork 3 lbs. Sauerkraut3 lbs. Mashed Potatoes 2 lbs. Buttered Carrots 1 1/2 lbs. Apple Sauce 1 doz. Dinner Rolls1 Apple Pie
SERVES 4-6 PEOPLE
�ecause �emories �atter
2760 MAYTOWN RD • PO BOX 610 • MAYTOWN, PA 17550 longwoodassited.com • (717) 426-0033
Personal Care & Memory Careongwood anor� �
You are cordially invited to attend the Grand Opening of our newSpecialized Memory Care Unit
Wednesday, December 5th 4-7 pm
Join us for our Ribbon Cutting Ceremony at 5pm Guest Speaker Senator Lloyd Smucker
Kiwanis Club Of norlanco-rheems
By Kauffman’s Chicken Barbeque
11th annual winter
Saturday, December 8, 2012
At J. B. Hostetter & Sons - 10 a.m. - ?Chicken Lunch - $6.00
1/2 Chicken, Chips and Drink
Tickets on sale atSimp-lee Seafood & Mount Joy Chamber Office
Proceeds will benefit the children of Northwest Lancaster County and the Kiwanis Play Area at Rotary Park
Hey Kids Stop by and pick up a Winterfest Holiday Kids Coloring Contest.Turn in finished pages at the Main Street Mount Joy office by Dec. 21.
Winners will be chosen and posted during December’s 4th Friday.
Join the Shoppe Keepers for Men’s Night Out! ~ A One Stop Shop for all of you Holiday Shopping!
December Happenings at The Shoppes on Main
Planning a holiday party?Let us do the work, so you
can enjoy the moment!
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Great Gifts at
As The Crow Flies
62 E. Main St. - Mount Joy, PA 717-653-1325www.AsTheCrowFliesMtJoyPA.com
Tues - Fri 10-5 Sat 10-4Extended Evening Hours ‘til 8 Thurs & Fri
717.653.0234
Original and Commissioned Artwork | Notecards
www.eberlydesigns.com
Logo Creation | Newsletters • Brochures • Flyers
Annual Reports | Book Design
Ad Creation | Web Concept and Design
Call to order Limited Edition
Christmas Cards
