NCBJ ePaper May 2013

7/30/2019 NCBJ ePaper May 2013

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Focuson Huronand Vermilion:INSIDETHIS MONTH

www.ncbj.net

In 6 Years,TechnologyWill Kill ........... 2

CHAMBERCALENDARS .... 6

Taxes: HealthSavingsAccounts.......... 8

Women: WhatYou Should KnowWhen Starting aBusiness .........10

Sales:Accountability.......................12

Legal: Thoughtson an ILIT .......15

Insurance:Understanding

and PreventingData Breaches .21

Well-BookedBusiness .........23

HR: StartRethinking HowYou Interview Now! ...............25

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Published and Owned bySchaffner Publications, Inc.MAY 2013 Vol. 19 No. 5

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

POSTMASTER: TIMELY MATERIAL. PLEASE EXPEDITE.

Celebrating19 Years of Service

Were a proud member of the following:Bellevue Area Chamber

of Commerce

Chamber of Commerceof Sandusky County

Elmore Chamberof Commerce

Erie County Chamberof Commerce

Fostoria Area Chamberof Commerce

Genoa Chamberof Commerce

Huron Chamberof Commerce

Huron CountyChamber of Commerce

Marblehead PeninsulaChamber of Commerce

Milan Chamberof Commerce

Oak Harbor AreaChamber of Commerce

Port Clinton AreaChamber of Commerce

Put-in-Bay Chamberof Commerce

Seneca RegionalChamber of Commerce

Vermilion Chamberof Commerce

Willard Area Chamberof Commerce

By Mayor Eileen BulanThe City of Vermilion is situated along

the shore of Lake Erie and embraces theVermilion River. The Vermilion River hasmarina facilities with more than 1,000boat slips and ramps for easy access to

Lake Erie earningVermilion the title ofthe Largest Small BoatHarbor on the GreatLakes. This location,combined withsuccessful efforts tomaintain the Cityssmall town charm, hascreated a uniquecommunity thatprovides a wealth ofattractions and events

for both tourists and residents. I welcomeeveryone to visit our town this year.

The City is actively pursuingrevitalization efforts in our entirecommunity. Last year, with the help ofErie Regional Planning, the City wasawarded a $400,000 downtownrevitalization grant. This grant providesgrants to business owners to improvetheir buildings, as well as provide newstreetscape and develop a new park in thedowntown on Liberty Avenue. This park

will be known as Friendship Park namedfor the first schooner along the VermilionRiver in 1812.

We also worked with Erie RegionalPlanning on the NeighborhoodRevitalization Grant. This grant awardedus $298,000 to the Vermilion on the Lakeneighborhood. We are able to pave fourstreets, Lorain Drive, Elyria Drive,Cummings Road and Aldrich Road. Wealso are installing sidewalks along BerkleyRoad from Drug Mart to the YMCA,making drainage improvements and

property-clean-up.We coordinate with Erie County on our

Safe Routes to Schools Project. The firstgrant installed sidewalks on State Route60. We have two additional grants thatwill provide sidewalks along SanfordStreet and other streets near the schools,for a total of $1,058,563. We have appliedagain this year because this is the last yearthey will fund these projects 100%.

Charting the Course of a Small Townon a Great Lake Vermilion, Ohio

See VERMILION, Page 4

Creating Community through People,Parks and Programs is more than aslogan, its Huron Parks and Recreationscall for action, as the departmentcontinues to upgrade facilities andprograms.

Rich in natural beauty, the City ofHurons waterfront location on the southshore of Lake Erie at the mouth of the

Huron River has provided the inspirationfor several recent facility improvements,including the 2012 upgrades to the iconicHuron Lighthouse Pier which hasbenefited from vegetation clearing torestore sight lines to the majestic

lighthouse, and the addition of an

Photo taken by Rhonda Funderwhite

Huron Parks & RecreationUpgrades Facilities and Programs

See HURON PARKS & REC, Page 5

BULAN


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Jeffrey H. Bryden

EditorOne of the privileges Ive

enjoyed being a College ofBusiness faculty member atBowling Green State Universityis the opportunity to keepabreast of new trends andtechnology through visitingfaculty, programs and guestspeakers on our campus.Just last month, the College of Business held its

10th Annual Sebo Series in Entrepreneurship on

the BGSU campus, featuring a day-long series oftalks and panels with the focus on SocialEconomics: Adding Value to Business with SocialMedia.

The keynote speaker was Erik Qualman, oftencalled the Digital Dale Carnegie. Hes the authorof Socialnomics: How Social Media Transforms the

Way We Live and Do Business.

(Its made Amazons #1 Best Selling List for theU.S., Japan, U.K., Canada, Korea and Germany. Yethe may be best known for writing and producingthe worlds most watched social media video.

An exciting video that will open your eyes toSocial Media and its dynamic impact on ourbusiness and personal lives is well worth yourviewing time. Its full of impactful and meaningfulnew information about the size, scope and impactof Social Media and the impact it can have onthings like your brands reputation. Example:About 90% of consumers trust the advice of their

peers (Facebook, Twitter) yet only 14% trustadvertising. What are they saying about you?More examples: 1 in 5 couples meet online. 1 in 5divorces are blamed on Facebook. Take fourminutes to view it at: http://www.youtube.com/watch?v=QUCfFcchw1w

Another video he presented at the conferencebrought it all home for me and it set the themeand headline for this months column.

Im a child of the Sputnik era when the USand Russia were in a headlong space race and wewere all pressed to think of careers in chemistry,physics and engineering. Note that careerselectronics was missing as transistors were justbeginning to replace vacuum tubes in radios andTVs (Remember tube testers?) Technology seemedto be moving quickly for my generation as wehave witnessed the introduction and assimilationof handheld calculators, digital watches, pagers,car phones, cell phones, personal computers andthe internet, and e-mail.

Today, though, what we considered as fastcould be likened to a snails pace, as new and

exciting (and often frightening) technological

changes occur daily if not hourly.Qualman presented a 2-minute video with the

title of this months column: In 6 Years, Technologywill Kill Its a fast-paced and riveting look atchanges coming to the world as we know it today how common, everyday things are being replacedby new technology. I highly recommend it:http://www.youtube.com/watch?feature=player_detailpage&v=Nwwq3l39lqk

I dont want to give too much of the videocontent away, but let me mention a few of thethings he predicts will be dead in the next few

years killed by technology: Paperback books and Instruction manuals. Car keys, maps, and tollbooth operators Wrist watches and alarm clocks Newspapers, DVDs, broadcast TV and terrestrial

radio. Cash, checkbooks, credit cards. Greeting cards, memo pads, paper rsums Classrooms and traditional homeworkThe list goes on fast-paced and with a lively

musical background (maybe to soften thefrightening impact of the message?)

Technology is moving at frenetic pace and we,in our business as well as our personal lives, mustkeep up with it or get left in the dust. Not many ofus, I wager, still use slide rules or carry bag phones yet in a short time, todays e-mail and Wi-Fi willsoon seem just as archaic.

Is this a wonderful world or what?

P.S. I still have my slide rule though Iveforgotten much of how to use it.JHB

2 May2013 North Coast Business Journal www.ncbj.net

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

419-734-4838 Fax 419-734-5382

Publisher JOHN SCHAFFNER

Editor JEFFREY H. [email protected]

DirectorofSales DAVE [email protected]

SalesRepresentative KRISTA [email protected]

AccountingManager ROBIN [email protected]

Layout&GraphicDesign TODD [email protected]

MARK [email protected]

CirculationManager BRUCE DINSE

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

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

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

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

form without the expressed, written consent of the Publishers.

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

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

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

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

submitted electronically.

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

Marketing

In 6 Minutes, Technology will Kill

The Ohio Small Business Development Center atTerra State Community College is offering free,two-hour seminars, Small Business Basics, thatwill answer questions about starting, buying orexpanding a small business.

This seminar will take the confusion out of yourefforts and help you avoid costly mistakes andunnecessary steps. Learn the basics of: nameregistration, licensing, taxes, zoning, businessentities, employees, insurance, financing andbusiness planning.

The remainder of the May schedule is: Wednesday, May 15 9:30 to 11:30 a.m. Erie

County Chamber of Commerce (conferenceroom), 225 W. Washington Row, Sandusky

Wednesday, May 22 4:30 to 6:30 p.m. Terra

State Community College (Building B, Room101), 2830 Napoleon Road, Fremont

These events are free and open to the public.To register or for more information, call Bill

Auxter, Director of the Ohio Small BusinessDevelopment Center at Terra Community College,toll-free 800-826-2431 or 419-559-2210. Or contacthim by email at [email protected].

Small Business BasicsSeminars set for May


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

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

Fisher-Titus Awarded an

FOR PATIENT

SAFETY

The safety of our patients is a top priority

at Fisher-Titus. Thats why were proud

to be honored with an A Hospital

Safety Score by The Leapfrog Group,

an independent agency measuring U.S.

hospitals on preventable medical errors,

injuries, accidents, and infections.

Fisher-Titus Medical Center was one of

15 percent of U.S. hospitals and one of

35 Ohio hospitals measured to earn this

prestigious A for 2012.

This designation reectsthe commitment of our

employees and

physicians to provide

the safest and highest

quality of care to our

patients. We think

youll agree . . . thatsSimply Smarter Care.

A2 0 1 2

www.hospitalsafetyscore.org

Our Park and Recreation Board isfocusing on improving all our parks.They are presently working to providebeach access at Showse Park. Takethe time to look at the improvements.

The parks board has made majorimprovements to provide beachaccess to this neighborhood park.

They have also had the vision to seethe future for Vermilion. In 2011, theCity of Vermilion Park and RecreationBoard entered into a purchaseagreement with the Inland SeasMaritime Museum to purchase theirproperty for $1,650,000. They wereable to do this with a donation fromKaren and Larry Bettcher of $200,000

to obtain the option on the property.It is vitally important that we acquirethis property now for futuregenerations to have public access toLake Erie. Many people are workingtirelessly on this project to raisefunding to purchase it. Last year, the175th anniversary celebration of thecity focused on raising money for thispurpose. With the help of MainStreet Vermilion, over $26,000 wasraised last year. Western ReserveLand Conservancy has partnered

with us to help raise funds. Withtheir help, we recently secured an$825,000 grant from Clean Ohio. Wehave a museum fund raisingcommittee and a museumdevelopment committee in place andwill be holding public meetingsasking for input from citizens onwhat they would like to see at this

property site. We will take possessionof this property in December of thisyear.

Our Port Authority has been activelyworking to improve all public dockage

facilities along the Vermilion River.They operate a boat ramp and twotransient dockage facilities along theriver. McGarveys Landing and ourWater Works marina are located indowntown Vermilion. Majorimprovements have been made toboth sites. If you arrive by boat, youcan walk to the local shops andrestaurants. If you are here on Fridayin the summertime, you can enjoywatching a family movie in our

downtown along the riverfront. Ifyou arrive on a Third Thursday, youcan enjoy all kinds of bands playingmusic at the storefronts downtown.It will remind you of a simpler time,enjoying an ice cream cone, walkingalong the beach and just relaxing inour small town.

Some other events that are held inVermilion each year are the VermilionHarbour Triathlon/Duathlon which isheld in August in Linwood Park andthe Vermilion-Ice-A-Fair that is held

in February of each year. Othercommunity traditions are theWoollybear Festival and the Festivalof Fish and Historic SummerFare.Our Christmas in July celebrationbegins with Santa Claus arriving byriver boat. You can purchase your

VERMILION, from Cover

See VERMILION, Page 5

N th C t B i J l M 2013 5


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observation deck on the pier. Additional landscapingand seating at Rotary Centennial Park, located atthe base of Lighthouse Pier, now invites visitors toenjoy the great views of Cedar Point in the distanceand the stunning sunsets. Those great views alsodominate Hurons Lake Front Park, at North CenterStreet, which includes a public beach, playground,gazebo, and restrooms.

The Huron Boat Basin, at 330 N. Main Street,continues to be the hub of waterfront activities forboaters, the community and visitors. Summerweekends feature live music entertainment onSaturday and Sunday evenings at the Amphitheater.The Boat Basin area is also the center of the HuronRiver Fest (July 12-14, 2013) and the Huron RotaryFine Art & Food Festival (August 9-11, 2013)aswell as community activities ranging from the FirstFederal Farmers Market (every Thursday afternoon

July 18-October 24), and craft fairs, to the city-widegarage sale.

New to Huron in 2011, the Huron River PublicBoat Ramp, located at the entrance of the oldConAgra plant on Route 6, provides ample freeparking and free boat launching, with restroomson-site. Also accessed from Route 6, the long-timecommunity favorite, Nickel Plate Park, offersresidents and visitors an expansive sandy publicbeach with a picnic shelter, grills, playground, andbeach volleyball courts.

Hurons expanded boating access has also attractedincreased interest from Fishing Tournaments; in2013 Huron will host Cabelas Master Walleye

Circuit (May 12-21), the Lake Erie Walleye TrailTournament (June 22-23), and the Fish HuronWalleye Tournament (October 5).

Away from the waters edge, Fabens Parkunderwent a major renovation in the fall of 2012to expand parking, provide improved access to theplaying fields and improve drainage. The parkserves youth sports and adults with nine baseball/

softball fields, five tennis courts, two batting cages,nature trail, playground area, three shelters, picnictables, a concession stand and restrooms. 2013projects will include restroom renovations andadditional landscaping. Fabens Park will againhost the 13th Annual Dawg Daze Girls SoftballTournament on August 2-4. Sponsored by HuronParks and Recreation, the tournament attracts 70teams and thousands of parents and fans fromsurrounding states and Canada.

An exciting 2013 addition to the Parks &Recreation program line-up is the new Summer

Day Camp for children 6-12 years of age. The campoffers six one-week sessions from June 24 throughAugust 2, with extended care hours available.Campers can register for one week, several weeks orall six weeks. Each week features a different themebuilt around interactive and challenging activities,with a field trip each Friday.

Additional Huron Parks & Recreation programmingincludes year-round adult fitness classes, youthsports camps and swim lessons, and the SafetyTown program for children entering Kindergartenin the fall, as well as a Fall youth softball-baseball

league. New for the 2012-13 winter season, was theyouth indoor soccer league program. Theseprograms are made possible thanks to thecooperation of the Huron City Schools, and the useof their facilities.

Additional information on Huron Parks &Recreation programs and parks can be found atcityofhuron.org

Christmas tree by way of the Christmas Tree Shipin December. Additional annual events include aGardeners Fair the Vermilion River Trout FishStocking, the Rubber Duck Dash 500, the CorvetteShow and much more. Beginning in July of eachyear, a local market is held at Victory Park. This isan open air market that provides residents andvisitors the opportunity purchase home-grownfruit, vegetables, herbs, flowers, local meat and

cheese. The Arts Guild of Vermilion promoteslocal artists and craftsmen by featuring rotatingexhibits and offering classes and workshops.

The City of Vermilion has successfully builtconsensus and cooperation among the manygroups and individuals who make up thecommunity. Volunteers have been very successfulin the process of making improvements to the city.Organizations such as the Chamber of Commerce,Main Street Vermilion, Friends of Harbour Townand many civic organizations continuously worktoward improving the towns appearance, while

maintaining the historic character. They also worktogether to bring many tourist activities to thecommunity.

Working with local and regional organizations,Vermilion markets its assets to customers, potentialinvestors, new businesses, local citizens andvisitors. Promoting a positive image encouragesconsumers and investors to live, work, shop andplay and invest in Vermilion. The City works withthe Erie County Economic Development

Committee, Team Lorain County, Main StreetVermilion and Erie Regional Planning Commissionto promote economic development in Vermilion.Working with local and regional organizations, thecity creates innovative and cost effective measuresto promote the town as an ideal location to live,visit and operate a business.

The City of Vermilion also relies on manyvolunteers to make our town a welcoming place to

visit or live. We have a very active Main StreetVermilion in Bloom organization that provideimproved landscaping, citywide flower beds andbeautiful hanging flower baskets. Another groupknown as The Shore Thing are volunteers whowork every day in the summer at Main Streetbeach, cleaning the beach, providing beach chairsand umbrellas and serve as ambassadors to ourcity.Just this past year, another group of volunteers

came forward and approached City Council abouthaving a tree commission. Because of all their hard

work and effort, Vermilion will be recognized as aTree City by the State of Ohio on May 14.As you can see, we are working very hard in

partnership with all our volunteers, localorganizations, residents and businesses. I inviteyou to visit Vermilion. Stop by my office on thecorner of Main and Liberty Avenue. I would behappy to meet you and tell you about Vermilion.We truly are a GREAT Town on a GREAT Lake.

HURON PARKS & REC, from Cover

VERMILION, from Page 5

Get off yourASTEROIDand place your ad in this SPACE.

Call Dave at 419-341-3310or email at [email protected]

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6 May 2013 North Coast Business Journal bj t


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Bellevue Chamber of Commerce

22 PUCOSeminar 9:00a.m.

Erie County Chamberof Commerce

6 GalleryofAchievers InductionLuncheon 11:30a.m., PlumBrookCountryClub

15 BusinessAfterHours 5:15p.m., CommonsofProvidence

Genoa Chamber of Commerce

9 ChamberBoardmeeting 7:30a.m.atRayzCaf

10,11,12 GenoaCivicTheatre Godspell

22 GenoaCivicTheatre MonthlyBoardMeeting 7:00p.m. GenoaTownHall,2ndfloor31 HomecomingParade

6:30p.m.Downtown (50s & 60s theme)

Huron County Chamberof Commerce

8 MembershipCommittee, 8:00am

9 SafetyCouncilGeneralRisk, 7:30am,RSVP

BoardofDirectors,4:00pm

15 EducationCommittee, 8:00am,Chamber

16 SafetyCouncil Manufacturing, 7:30am,RSVP

23 BusinessAfterHours, HumaneSociety 5-6:30pm

Marblehead PeninsulaChamber of Commerce

16 76thAnnualSpringBanquet Catawba IslandClub

SocialHourat6:00pm, Dinnerat7:00pm GuestSpeaker: LarryFletcher

30 ExecutiveMeeting Chamberofficeat10:00am

Milan Area Chamberof Commerce

8 BoardMeeting Noon VillageAdministrationOffice

Oak Harbor Chamberof Commerce

16 BoardMeeting ChamberBuilding-7:30are

23-29 VeteranPictureDisplay FlatIronPark Callchamberfordetails.

24 AnnualGolfOuting OakHarborGolfClub 8:00am

Port Clinton AreaChamber of Commerce

6 GovernmentRelations& CommunicationsCommittee 8:30am, ChamberOffice

7 AdministrationMeeting 9:00amatChamberOffice

MainStreetPortClinton WalleyeFestival BartenderTraining(inviteonly) 5:00PM7:00PM

9 MainStreetPortClinton OrganizationExecutive CommitteeMeeting 8:30amatMSPCOffice

10 ChamberBenefits CommitteeMeeting 8:30amatChamberOffice

13 ChamberBoardMeeting 8:30amatChamberOffice

14 MainStreetPortClinton DesignCommitteeMeeting 8:30amatMSPCOffice

15 MainStreetPortClinton WalleyeFestivalCommittee 8:30amatMSPCOffice

16 MainStreetPortClinton BoardMeeting 8:30amatMSPCOffice

23-27 MainStreetPortClinton WalleyeFestivalat WaterworksPark, DowntownPortClinton

28 WorkshopatIdaRupp PublicLibraryonPinterest 8:30am

Sandusky CountyChamber of Commerce

21 Legislative CommitteeMeeting, 7:30a.m.,Chamberoffice

Finance&ExecutiveCommittee Meetingsstartingat12:00pm

22 ChamberBoardofTrustees Meeting,7:30a.m., Chamberoffice

28ChamberAmbassadorMeeting, 8a.m.,Chamberoffice

Seneca Regional Chamberof Commerce & Visitor Services

8 SmallBusinessBasicsSeminar 9:30amto11:30am Afree,two-hourseminar Communityroom,Chamber 419-559-2210 [email protected]

13 SenecaCountyJobFair 1:00 to4:30pm. HemingerCenter TiffinUniversityCampus, Chamberat419-447-4141 [email protected]

14 SenecaCounty IndustrialManagement Council 5:00pm. TourPOETBiorefining, MeetingKemoSabes RoadhouseGrill

17 AmbassadorMeeting Noon,Chamberoffice RSVP

21 SenecaCounty HumanResourceAssociation 11:30am.LunchMeeting St.FrancisHome,

28 TiffinAreaSafetyCouncil 11:30amatMooseLodge 1146NSR53.


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CHAMBER CALENDARS for May

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Each year, the Ottawa County ImprovementCorporation recognizes outstanding companiesand individuals that have demonstrated success inbusiness and have contributed to the growth andvitality of Ottawa County. Awards are given incategories for small business (1 to 25 employees),medium business (26to 100 employees) andlarge business (101 plusemployees), business ofthe year, Bill Mackbusiness leader,economic development

partner, personala c h i e v e m e n t ,entrepreneur of theyear, and volunteer ofthe year. A committeeof OCIC Trusteesreviews and determinesthe award winners.The OCIC Business &Industry Awards wereheld on Wednesday,April 24 at the Camp

Perry Clubhouse inPort Clinton.This years small

business nomineeswere LoadmasterTrailer Company (PortClinton), the OakHarbor Hardware (OakHarbor), and TanksMeats (Elmore). The2013 award waspresented to the OakHarbor Hardware inthe small business category. The Oak HarborHardware is in its fourth generation of ownershipin the Hablitzel family and has expanded productsand services significantly over the years. In 2013,the downtown Oak Harbor business completedand unveiled exterior renovations to their buildingwhich is a gateway to the downtown businessdistrict.

Medium business nominees were C NelsonManufacturing (Oak Harbor), Happy Days Boating(Port Clinton) and Nagoya Japanese Steakhouse &Sushi (Port Clinton). The medium business

category award went to Nagoya Japanese Steakhouse& Sushi. Nagoya opened its doors in Port Clintonin 2005 and provides a unique dining experienceto customers that come from around the region.Since opening in 2005, Nagoya has expanded to alocation at Levis Commons Shopping Center inPerrysburg and opened Nagoya-Sushi at the Bay in2012 at The Keys on Put-in-Bay.

Nominees in the large business category were

Baumann Auto Group (Port Clinton & Genoa),The Fitzgerald Family of Businesses (Port Clinton& Put-in-Bay), a United States Gypsum Company(Gypsum). The large business category award waspresented to United States Gypsum Company.USGs Gypsum, Ohio facility is the second largest

operation in the USG Corporation family and isone of the corporations most diversified plants.Recently, the company has invested significantlyin capital improvement projects onsite to improveefficiencies and ensure a competitive advantage inthe building products industry.

The OCIC Entrepreneur Award was present thisyear to Joe Badger, owner of JBI Corporation inGenoa. JBI Corporation was founded in 1982 withthe vision of creating a company that looks forunique solutions to improving performance andreducing costs associated with manufacturing

sealed lead-acid batteries. JBI Corporation todayhas evolved into one of the worlds leading full-service independent battery testing laboratoriesand is recognized and used by local, national andworldwide battery manufacturers, OEMs,distributors and retailers.

The Bill Mack Business Leader Award recognizesan individual county business leader for their workand support of the community. This year, the

OCIC recognized Bill Van der Giessen for hisprivate sector business successes and his work anddedication of time to public efforts. Most recently,Mr. Van der Giessen opened the 1812 Restaurantand Rosies Bar & Grill in the historic Island Housein downtown Port Clinton. Additionally, Mr. Van

der Giessen is a tallships sponsor andsupporter of theBattle of Lake ErieB i c e n t e n n i a lcelebration takingplace in late summer

2013.The Volunteer of

the Year Award waspresented to long-time OCIC trusteeand volunteer DaveBarth for hiscountless hours ofwork with OCIC onmarketing andspecial events overthe last 10+ years.

OCICs EconomicDevelopment Partneraward was presentedto the Erie-OttawaRegional Airport.Over the last 18months, significantinvestments havebeen announced andcompleted, includingthe expansion of airservices with GriffingFlying Services and

the opening of the Liberty Aviation Museum & TinGoose Diner. OCICs Personal Achievement Awardwas presented to Marv Booker for his vision andcreativity for new development opportunities thathave been realized on Put-in-Bay over the last 6years.

The Business of the Year Award was presented toThe Fitzgerald Family of Businesses for theirnumerous investments in the Port Clinton andPut-in-Bay communities since 1997. In 2005, thefamily undertook $7 million of expansion of Mr.Eds on Put-in-Bay and in 2009, the family opened

MIST Swim-Up Bar at the Commodore Resort. TheFitzgeralds also own and operate the CommodorePerry Inn, Mr. Eds Bar & Grill and Docks BeachHouse all located in Port Clinton.

Ottawa CountyRecognizes Business Leaders

8 May 2013 North Coast Business Journal www ncbj net


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By: Jeffrey J. Rosengarten,CPA, CFEPayne, Nickles and Company

Given the ever-escalating costof providing employee healthcare benefits, I am writing to

advise you of a more cost-effective method ofproviding these benefits; namely, a health savingsaccount (HSA). For eligible individuals, HSAs offera tax-favorable way to set aside funds (or have theiremployer do so) to meet future medical needs.Here are the key tax-related elements:

contributions you make to an HSA are deductible,within limits, contributions your employer makesarent taxed to you, earnings on the funds withinthe HSA are not taxed, and distributions from theHSA to cover qualified medical expenses are nottaxed.Who is eligible? To be eligible for an HSA, you

must be covered by a high deductible healthplan (discussed below). You must also not becovered by a plan which (1) is not a high deductiblehealth plan, and (2) provides coverage for anybenefit covered by your high deductible plan. (Itsokay, however, to be covered by a high deductibleplan along with separate coverage, throughinsurance or otherwise, for accidents, disability, ordental, vision, or long-term care.)

For 2013, a high deductible health plan is aplan with an annual deductible of at least $1,250for self-only coverage, or at least $2,500 for familycoverage. For self-only coverage, the 2013 limit ondeductible contributions is $3,250. For familycoverage, the 2013 limit on deductible contributionsis $6,450. Additionally, annual out-of-pocketexpenses required to be paid (other than forpremiums) for covered benefits cannot exceed$6,250 for self-only coverage or $12,500 for familycoverage.

An individual (and the individuals coveredspouse as well) who has reached age 55 before theclose of the tax year (and is an eligible HSAcontributor) may make additional catch-upcontributions for 2013 of up to $1,000.

A high deductible health plan does not include aplan if substantially all of the plans coverage is foraccidents, disability, or dental, vision, or long-termcare, insurance for a specified disease or illness, orinsurance paying a fixed amount per day (or other

period) of hospitalization.HSAs may be established by, or on behalf of, any

eligible individual.Deduction limits. You can deduct contributions

to an HSA for the year up to the total of yourmonthly limitations for the months you wereeligible. For 2013, the monthly limitation ondeductible contributions for a person with self-only coverage is 1/12 of $3,250. For an individual

with family coverage, the monthly limitation ondeductible contributions is 1/12 of $6,450. Thus,deductible contributions are not limited by theamount of the annual deductible under the highdeductible health plan.

Also, taxpayers who are eligible individualsduring the last month of the tax year are treated ashaving been eligible individuals for the entire yearfor purposes of computing the annual HSAcontribution.

However, if an individual is enrolled in Medicare,he is no longer an eligible individual under theHSA rules, and so contributions to his HSA can nolonger be made.

Contributions may be made to an HSA by or onbehalf of an eligible individual even if theindividual has no compensation, or if thecontributions exceed the individuals compensation.Contributions made by a family member on behalfof an eligible individual to an HSA (which aresubject to the limits described above) are deductibleby the eligible individual in computing adjustedgross income.

Further, on a once-only basis, taxpayers canwithdraw funds from an IRA, and transfer themtax-free to an HSA. The amount transferred can beup to the maximum deductible HSA contributionfor the type of coverage (individual or family) ineffect at the time of the transfer. The amount sotransferred is excluded from the taxpayers grossincome, and is not subject to the 10% earlywithdrawal penalty.

Employer contributions. If you are an eligibleindividual, and your employer contributes to yourHSA, the employers contribution is treated asemployer-provided coverage for medical expensesunder an accident or health plan and is excludablefrom your gross income up to the deductionlimitation, as described above. Further, theemployer contributions are not subject towithholding from wages for income tax or subjectto FICA or FUTA. The eligible individual cannotdeduct employer contributions on his federalincome tax return as HSA contributions or asmedical expense deductions.

An employer that decides to make contributionson its employees behalf must make comparablecontributions to the HSAs of all comparableparticipating employees for that calendar year. If

the employer does not make comparablecontributions, the employer is subject to a 35% taxon the aggregate amount contributed by theemployer to HSAs for that period.

Contributions are comparable if they are either:(1) the same amount; or (2) the same percentage ofthe annual deductible limit under the highdeductible health plan covering the employees.For these purposes, comparable participating

employees (1) are covered by the employers highdeductible health plan and are eligible to establishan HSA; (2) have the same category of coverage(either self-only or family coverage); and (3) havethe same category of employment (either part-timeor full-time). (IRS regs provide detailed guidelinesfor comparable contributions.)

An exception to the comparable contributionrequirements applies for contributions made onbehalf of nonhighly compensated employees.Under this exception, an employer may makelarger HSA contributions for nonhighlycompensated employees than for highlycompensated employees.

Employer contributions are also excludable ifmade at the election of the employee under asalary reduction arrangement that is part of acafeteria plan (i.e., a plan which allows you to electto use part of your salary towards a variety ofbenefits). Although contributions to an employeesHSA through a cafeteria plan are treated as employercontributions, the comparability rule does notapply to contributions made through a cafeteriaplan.Earnings. If the HSA is set up properly, it is

generally exempt from taxation, and there is notax on earnings. However, taxes may apply ifcontribution limitations are exceeded, requiredreports are not provided or prohibited transactionsoccur.Distributions. Distributions from the HSA to

cover an eligible individuals qualified medicalexpenses, or those of his spouse or dependents, arenot taxed. Qualified medical expenses for thesepurposes generally mean those that would qualifyfor the medical expense itemized deduction. Iffunds are withdrawn from the HSA for otherreasons, the withdrawal is taxable. Additionally, anextra 20% tax will apply to the withdrawal, unlessit is made after reaching age 65, or in the event ofdeath or disability.

Distributions from an HSA exclusively to pay forqualified medical expenses are excludable from thegross income of the account beneficiary eventhough the beneficiary is no longer an eligibleindividual, e.g., the individual is over age 65 andentitled to Medicare benefits, or no longer has ahigh deductible health plan.

As you can see, HSAs offer a very flexible option

for providing health care coverage, but the rulesare somewhat involved. Please consult your taxadvisor for more information as it applies to yourindividual situation.

(Authors note: This article is not intended tooffer professional tax advice. Please consult yourtax advisor.)

Taxes

Health Savings Accounts



9/32


Experience CountsFirelands Corporate Health Center staff havespecialized training & certifications in manyareas of occupational health medicine.

Our team of physicians holds specializedcertifications in the following areas: Certified Medical Review Officers Specialized Certifications in

Occupational Health Certified for Ohio BWC Impairment

Exams & Independent Medical Exams Medical Examiner for FAA Pilot Exams Certified Physician Supervisor for

OSHA Audiology Review

Support Staff

Physicians Over 50 years of combinedexperience in Occupational Health

Clinic leadership Over 35 years ofcombined experience in Occupational Health

Certified Coder Nurse Case Managers for BWC cases Full-time x-ray staff

Additional Services

Case management

Educational classes Employment physicals & specialized

physical exams Fingerprinting And much more.

For timely & accurate reports, call the regionsexperienced occupational health provider.

firelands.com

Want to Improve theHealth of Your Business?With 30 years of experience in occupational health,Firelands Corporate Health Center provides acomprehensive package of occupational and safetyservices to over 800 companies in the region.Dedicated solely to the practice of occupationalhealth, you can find the level of experience youneed to control healthcare costs, meet regulations,and keep your workforce healthy and productive.

To find out more about Firelands CorporateHealth Center, call 419-557-5052.

Hours of Operation: 7 am 5 pm24/7 coverage for drug & alcohol testing

New Location: 5420 Milan Rd., Sandusky

Port Clinton, Ohio Main StreetPort Clinton is pleased to announcethe creation of DowntownImprovement Grants available fordowntown businesses and buildingowners. The focus of the DowntownImprovement Grant is to providefinancial support to downtownbusiness owners and downtownproperty owners to improve theirproperty, positively influenceeconomic growth, and enhanceaesthetic appeal.

These grants are made possiblebecause of the success of MainStreets fundraisers, specifically theWalleye Festival.

Main Street Port Clinton is strivingto promote, preserve, and improvedowntown historic Port Clinton as avibrant center for businesses,entertainment, and cultural activitiesfor residents of the community andvisitors to our area. Larry Hartlaub,

Chair of the Economic RestructuringCommittee and Main Street PCBoard Member said, I am reallyexcited about the DowntownImprovement Grant. It is ourorganizations opportunity to putdollars into projects that reflect ourmission.

Committee Member Lee Vivodsaid, I feel the DowntownImprovement Grant program showsMain Streets commitment to thecommunity and offers us anopportunity to put our money thatwas earned downtown to workdowntown with our businessowners.

For more information about theDowntown Improvement Grant,please contact the Main Street PortClinton office at 419-734-5503 oryou can pick up grant applicationsat 110 Madison Street.

Main Street PCAnnounces DowntownImprovement Grant

Now that the 2012 tax season is inthe rear-view mirror, its a good timefor small business owners to reassesstheir companys financial health andtheir relationship with their bank.The American Bankers Associationoffers the following tips to help smallbusiness owners enhance theircurrent banking relationship orchoose the best bank for their needs.

Many small business owners havebeen wondering what it takes thesedays to get a bank loan. One way toinfluence your banks decision is toestablish a personal relationship withyour banker that shows him or her

just how valuable your business is.Banks value long-term, profitablebusiness banking relationships.Bankers reward these firms byextending credit with the mostfavorable interest rates. Thesebusinesses and their bankersunderstand that developing ameaningful relationship is a two-wayprocessyour banker has a role toplay and so do you.

So how do you know if you have ameaningful and valued relationshipwith your bank? To find out, take therelationship test tips for smallbusiness owners at www.aba.com.

The Marblehead Bank Joins the ABA in

Offering Tips for Small Business Owners:Assessing Your Banking Relationship

MEANS BUSINESS!Reaching over 23,000 readers in five counties every month

Nine out of 10 (91%) "make or have influence overpurchasing decisions" for their company

NCBJ readers are decision-makers:



10/32

y j

Douglas GildenmeisterSenior Vice President,InvestmentsRaymond James

According to the Small BusinessAdministration (SBA), the numberof women-owned businesses grew44% from 1997 to 2007--twice asfast as male-owned firms.* Many ofthese businesses started small,begun by women seeking the exciting and potentiallyrewarding experience of being their own boss whiledoing something they enjoy. If youre thinking aboutstarting your own business, youll need a sound plan,a little creativity, personal dedication, and probablysome form of financial investment. Before you makethe commitment to starting your own business, youllneed to determine whether its the right move for you.

Here are a few important factors to consider.

Personal investmentWhy do you want to start a business? For the most

part, you should believe you have a great idea that youare passionate about. Giving your business a chance tobe successful will require a personal commitment andprobably some sacrifices. Are you prepared to investthe time, money and personal resources to get yourbusiness started? As you might imagine, theres a lotthat goes into starting a business. Youll have to dosome market research to determine the potential sizeof your market, identify the competition and set the

price of the goods or services youll offer. You shoulddevelop a written business plan, research the best legalform to use for your business, and understand whatlicenses and/or permits youll need. And youll have tofigure out how much capital youll need to start yourbusiness, and where that capital will come from.

Type of businessWhat kind of business do you want? Do you have a

unique idea, or do you want to get involved in a typeof business that already exists, like a franchise? Whatproducts or services will your business provide? Haveyou identified your target market? Who is yourcompetition, and what will separate your businessfrom your competition? Depending on the type ofbusiness, how long will it take before your products orservices are available to your target market? How bigand how quickly do you want your business to grow?The type of business you choose should not onlymatch your talents, abilities, and interests, but it alsoshould have a viable place in the market, based onyour competition and the potential demand for theproducts or services your business will offer. Gettingthis information will take some time and effort, butmany businesses fail simply because theyre in the

wrong market or the competition is too strong.

The business planIts one thing to have a great idea for a business, but

it becomes much more real when you put it down onpaper. A business plan is essentially the story of yourbusiness: the name of your business, what yourbusiness does, how you came up with the idea for yourbusiness, what markets you serve, what differentiatesyour business from the competition, where your

business is now, and where you see it in the future.Not only should your business plan serve as a roadmap to a successful business venture, but if youregoing to seek financing for your business, youllalmost certainly be asked for a business plan. Theresgenerally no set form for use in developing a businessplan, but most plans cover these essential elements:

An executive summary, which briefly describesyour business as a whole and touches on yourbusinesss profile and goals

An in-depth explanation of the history anddevelopment of your business

A summary of the products and/or services youoffer

A customer description, market analysis, andcompetitor analysis

A description of your businesss legal structure(e.g., corporation, partnership, sole proprietorship)and management organization

An explanation of your marketing plan and salesstrategy A capitalization plan including projectedrevenues, cash flow projections, pro formafinancials, and an explanation of how youll usefunds

Selecting a business formOne of the first decisions youll need to make is what

form of legal entity your business will take. If yourestarting a business from scratch (as opposed to buyingan established business), your options are many. Thetype of entity you select is important because it candetermine the types of permits youll need, where and

how your business should be registered, the extent ofprotection from personal liability each type of entityaffords, and the amount and form of taxes that mayhave to be paid. While its a good idea to consult afinancial or legal professional before selecting the typeof entity for your business, heres a brief description ofthe more common forms of business structures.

Sole proprietorship: A sole proprietorship is the moststraightforward way to structure your business entity.As a sole proprietor, your business is simply anextension of you. Sole proprietors are liable for allbusiness debts and other obligations the businessmight incur. This means your personal assets can besubject to the claims of your businesss creditors.

Partnership: A partnership is a business entity wheretwo or more people enter into a business relationshipfor mutual profit. Partnerships are organized inaccordance with state law. In a general partnership, allpartners can act on behalf of one another in furtheranceof partnership business, which means each partner ispersonally liable for the acts of the other partners, andall partners are personally liable for the debts andliabilities of the partnership. Limited partnerships and

limited liability partnerships may provide someliability protection for partners according to the statelaw where the partnership is formed.

Corporations: There are several different types ofcorporations. Generally, two advantages of corporationsare that they provide a shield from individual liabilityand are the easiest type of entity to use to raise capital.Some common types of corporations are S corporationsand limited liability corporations or companies. A C

corporation is taxed as a separate entity, whereas Scorporations and most limited liability corporationspass income, gains, deductions, and losses of thebusiness through to the shareholders.

Financing your businessYour business plan is in place. Now you have to

figure out where youll get the funds to set your dreamin motion--and sustain it. The first step in determiningyour financing needs is to develop a line-item budget,projected over a period of months and/or years. Next,youll need to figure out how to finance your business.The two general categories of financing available forbusinesses are debt and equity. Debt requires repaymentof a loan. Equity involves raising capital by sellingparts of the business to investors. One place to look forcapital might be your own assets. You may be able toraise money for the business from your savings orborrow against a retirement plan, life insurance policy,

credit card, or the equity in your home. Anothercommon source of funds for new businesses is whatscalled friends and family. However, such funding ismost likely to be successful if its structured in abusinesslike way, with clear terms of repayment orownership participation. You can apply to banks orcredit unions for loans. The Small BusinessAdministration has a website devoted to women-owned businesses at www.sba.gov/content/women-owned-businesses. There you can find resources tohelp you start and finance your business. Also, yourlocal chamber of commerce may be able to refer youto state and local agencies that provide financial

assistance to new businesses located within yourgeographic area.

Anything else?There are plenty of other things to consider, such as

taxes, licenses, fees, and permits. Youll need to thinkabout where to locate your business and how youllmarket it. Will you have employees? Will you add aretirement plan? If so, youll have regulatoryrequirements and tax responsibilities, as well aspossible workers compensation to consider. But youdont have to go it alone. There are experts available toserve as mentors or counselors. Check the WomensBusiness Resources section of the Small BusinessAdministration website at www.sba.gov for informationon locating a mentor.

*Source: Developments in Women-OwnedBusinesses, 1997-2007, Small BusinessAdministration, Sept. 30, 2011

This information was developed by Broadridge, anindependent third party. It is general in nature, is nota complete statement of all information necessary formaking an investment decision, and is not a

recommendation or a solicitation to buy or sell anysecurity. Investments and strategies mentioned maynot be suitable for all investors. Past performancemay not be indicative of future results. RaymondJames & Associates, Inc. member New York StockExchange/SIPC does not provide advice on tax, legalor mortgage issues. These matters should be discussedwith an appropriate professional.Raymond James & Associates, Inc., member New

York Stock Exchange/SIPC

Women: What You Should Know When Starting a Business



11/32

j y

Recently, Memorial Hospital has completed theimplementation of Computerized Provider OrderEntry, or CPOE as it is more commonly called.Through CPOE, all physician and provider ordersare now submitted electronically. CPOEimplementation was a component of the hospitals

$6.7 million dollar information technology (IT)improvement project, named Project ASPIRE.

Project ASPIRE began in November 2011 and willcontinue throughout 2013. During Project ASPIRE,the entire Memorial Hospital computing andnetwork system has been replaced or upgraded.CPOE is the latest major initiative that is completeunder Project ASPIRE.

According to Jill Trosin, Memorial Hospital ChiefNursing Officer (CNO), CPOE has improvedpatient safety by standardizing patient care orders;therefore reducing the risk for errors of

communication, she said. Long term, it willprovide a more efficient and safer process toprovide care to patients along with increasingconsistency in meeting quality measures.

CPOE implementation at Memorial Hospital hasbeen a massive, multi-departmental, undertaking.Hospital employees, physicians and consultantshave spent thousands of hours, days and nights,ensuring that CPOE would be successful.

By implementing CPOE, all inpatient care orders

at Memorial Hospital, from imaging proceduresand lab tests to medication and dietary orders arenow placed electronically, stored centrally andaccessible immediately via the hospitals network.Physicians can input orders on computers that areinstalled in patient rooms, as well as from

computers at nurses stations, or from their owninternet ready devices, such as tablets, laptops orsmart phones.

The physician web station (CPOE platform) ispretty slick, said Dustin Hufford, Chief InformationOfficer at Memorial Hospital. Not only canphysicians read test results, and even viewdiagnostic images immediately when completed,they can also compare hospital-administered toat-home-prescribed medications, and double checkthe accuracy of patients statements in regards towhat medicines they have been taking.

Within the physician online ordering platformmany safeguards are in place that alert physiciansif orders have been placed that could cause risk forpatients, such as conflicting medicationprescriptions. Also, all orders are now made onstandardized order sets creating a more efficientorder delivery system.

According to Hufford, Before CPOE, eachphysician at the hospital may have had their ownorder set, which caused there to be a large degree

of variation. Now, the order sets have beenstandardized by specialty and various criteria,causing a considerable reduction in actual numberand types of orders.

Trosin and Hufford both believe that a strongpartnership with Memorial Hospital physicians

was crucial throughout the implementationprocess. The collaborative efforts betweenphysicians and staff are what kept this projectmoving, said Trosin.

Hufford agrees, and both are very appreciative ofthe many hospital associates who gave their timeand ideas to the project. Our physicians andemployees spent many extra hours in training andat meetings, as well as working on their own tounderstand this new system, he explained. Theyall took extra classes and studied hard to learn themany intricate details that were involved in

implementing CPOE.CPOE has been fully implemented; however,there is much more to come. During the nextyear, we are going to work toward electronicphysician documentation and greater integrationwith nursing, which will eventually allow for analmost entirely paperless inpatient chart and workorder environment, added Hufford.

Members of CPOE team meet to discuss implementation strategies

Memorial Hospital ImplementsComputerized Ordering System



12/32

By Roger BostdorffB2B Sales Boost

recently had ac o n s u l t i n gengagement wherethe companywanted to increase

their competitiveness andprofitability. We discussed how wecould determine our best options. Isuggested that we identify a subset oftheir employees to talk with. Who tobetter make suggestions as to how toimprove a companys competitivenessand profitability than the employeesworking for the company? To thecredit of the President of thiscompany he decided to not talk witha subset of his employees but ratherto talk with each and every one of hisemployees. He recognized that theywould have the best ideas andobservations since they are in thetrenches every day. It was a very gooddecision on his part and representeda significant investment of his

employees time. However, it alsoshowed that he valued ALL of his

employees views and opinions.Some of the feedback from the teamwas that the majority of the employeeswere significant contributors.However, there was a perception thatsome small number of employeeswere not contributing like they couldor should be.

Let me ask you a question. Whathappens to the morale of a companyif the employees feel that some arecarrying the cargo and others arenot? That some employees must workextra hard or extra hours to cover forthe employees that are not doingtheir job? What happens to the workhabits of the good workers if nothingis done regarding discipline of theslackers? Is the throughput/productivity of the entire teamnegatively impacted even moreseverely over time? You bet it is!!

We put in place an evaluationprocess where each employee would

be evaluated on every job by the jobsupervisor. They would be evaluated

on a 1-5 range.1=Results achieved far exceeded therequirements of the job in all areas

2=Results achieved consistentlyexceeded the requirements of the jobin all key areas

3. Results achieved consistently metthe requirements of the job andexceeded the requirements in manyareas

4. Results achieved consistently metthe requirements of the job

Unsatisfactory5. Results achieved did not meet the

requirements of the jobLike Golf the lower the score the

better the evaluation.If the employee worked for multiple

job supervisors they would beevaluated multiple times and theevaluations would be averaged.

The results of these evaluationswould have an impact on potentialraises (someone rated a 1 wouldreceive a larger raise and in less time

than someone rated a 4.)Without management doing these

evaluations the slackers keep on

slacking. Worse, the good workersperformance ends up moving in the

direction of the slackers since theysee there are no negative repercussionsfor doing so. Therefore, not only arewe now holding all of the employeesaccountable, but we are rewardingthe ones that are most contributingto the competitiveness andprofitability of the company. Isntthat the way it should work?

Is your company as competitive as itshould be? Which way is your profitmargin headed? What are you doingabout it?

Roger Bostdorff is the President ofB2B Sales Boost, LLC. He spent over30 years with IBM in sales and salesmanagement. B2B Sales Boost is aconsulting company helpingorganizations improve their salesand overall business processes. Youcan find more about B2B Sales Booston the web at www.b2bsalesboost.com or calling 419-351-4347. If youwould like to receive the B2B Sales

Boost Newsletter please send anemail to [email protected]

Maher Salam, M.D. has joined the Family of The Bellevue Hospital as a gastroenterologist

and will be accepting patients in Bellevue. He joined the practice at Bay Area Gastroenterology, Norwalk,in 2012. He specializes in cirrhosis and liver disease, and in gastroenterology procedures including

colonoscopies, EGD and ERCP. He is married with children and enjoys playing soccer and table tennis.

Maher Salam, M.D.Gastroenterologist

419.663.8061

Dr. Salam is a member of The Bellevue Hospitals Medical Staff with office hours in Bellevue.

Now Accepting New Patients

Board Certified:

Internal Medicine, Gastroenterology

Residency & Internship:

Gastroenterology ~ Cleveland Clinic Health System, Fairview Hospital

Fellowship:

Gastroenterology/Hepatology ~ Virginia Commonwealth University, Richmond, VA

Work Experience:

Gastroenterologist ~ Bay Area Gastroenterology, Norwalk

Hospitalist & Site Director ~ Fisher-Titus Medical Center, Norwalk

Hospitalist ~ Lutheran Hospital, Cleveland

Accountability

Sales

Q: Can Ohios Lemon Law helpme if my motorcycle is a lemon?

A: Yes. The law can require the

manufacturer to replace or buy back amotorcycle that you purchased orleased if it:

had a defect that substantiallyimpaired its use, value or safety;and

was not, or could not be,properly repaired or repaired ina timely manner.

The law does not, however, coverparts added to your bike by a dealer.

Q: What if I have a small enginemotorcycle or a scooter? Does theLemon Law still cover my vehicle?

A: Yes. Neither the engine sizenor the vehicle size matters. As longas it is motorized and a noncommercialvehicle, it is covered by the OhioLemon Law.

Q: Does the Lemon Law covermy used motorcycle?

A: Generally, no. It will only be

covered if you bought the motorcyclewithin the first year or 18,000 milesof operation and you reported theproblems within the first year or18,000 miles of operation.

Q: I bought a sidecar for mymotorcycle. Does the Lemon Lawcover my sidecar?

A: No. However, you may beable to recover its cost if yourmotorcycle turns out to be a lemonand you purchased the sidecar at thesame time you bought yourmotorcycle, since in that case, thesidecar could be considered a dealer-installed option or part of yourincidental damages. (Incidentaldamages might include, for example,the cost of equipment you bought for

Law You Can Use: Lemon Law forMotorcycles Protects Ohio Consumers

See LEMON, Page 15



13/32

Tiffin 419-447-1104 Fremont 419-332-6931 Sandusky 419-625-1256

_

The Port Clinton Area Chamber of Commerceheld a ribbon cutting ceremony for Ciao Bellalocated at 3880 Harbor Light Landing on Tuesday,April 23. Representatives from Ottawa County,Portage Township, and the Port Clinton AreaChamber of Commerce congratulated Ciao Bellaon their grand opening and for their commitmentto the community.

Pictured left to right: Laura Schlachter, President ofPort Clinton Area Chamber; Lee Vivod, Chairman ofChamber Board; Kathy Mehl, Port Clinton CityCouncil; Executive Chef Paul Matthews; OttawaCounty Commissioner Steve Arndt; Mel Ayers, Owner;Geoffrey Pryka, Manager; Barbara Ayers, Owner;Ottawa County Commissioner Jim Sass; Ottawa

County Commissioner JoEllen Regal; Shawne Everett,General Manager; Drew Surovjak, Portage TownshipTrustee; Chuck Miller, Chamber Board Member;

William Moore, Chamber Board Member; Sam Conte,Portage Township Trustee; John Coppeler, ChamberBoard Member; and Larry Hartlaub, Ottawa County

Auditor.

Ribbon Cutting Held for Port Clintons Ciao Bella



14/32

Auto-OwnersInsurance rankshighest amongauto insuranceproviders in theJ.D. Powerand Associates2008-2012 Auto ClaimsStudiesSM. 2012 study based on 12,508 totalresponses, ranking26 insuranceproviders. Excludesthose with claimsonly for

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Claims Experience, Five Years in a Row according to J.D. Power and Associates.

_ _

Submitted by John GabrielCouncil President, Vermilion Ohio

Our little town on a Great Laketurned 175 years old this year as theCity of Vermilion celebrated andreflected on a storied past last summer.Gone now are the manufacturing

years of the Ford ThunderbirdAssembly Plant and its 2000 jobs, alsothe Lithonia Downlighting facilityand another 500 jobs. The loss ofmanufacturing and industry had

many people forecasting doom andgloom for this quiet little town of10,000 nestled on Lake Erie.

Yet, a decade later the town hasnever looked better. Thanks in part tothe natural gifts of a beautiful waterfront, arguably the best looking river

port on Lake Erie coupled with anarmy of volunteers and a can dospirit.

Somethings Fishy in Vermilion!

See FISHY, Page 18



15/32

By Jeff RothHaving life

insurance proceedsgo directly to aspouse or child maycreate moreproblems than itcan solve. You donot know whenyour death willmake available a sizable insurancecheck for your young bride or youngchild. It may be best to have protectivemeasures in place to offer some

control over the funds. By using anIrrevocable Life Insurance Trust, wecan accomplish that goal. For thisarticle, we will use the term ILITwhen referring to an irrevocable lifeinsurance trust.

WHAT IS AN IRREVOCABLE LIFEINSURANCE TRUST?

An ILIT is an irrevocable trust that iscreated to own and be the beneficiaryof a life insurance policy on the trust

makers life. The death proceeds oflife insurance held in an ILIT are notincluded in the estate of the insuredor the insureds spouse if properlydrafted. By the use of an ILIT you cancontrol who gets the funds and atwhat age. Remember, we do notknow when you or your spouse will

die. A properly drafted ILIT can offera defined payout at a time appropriateto the needs and maturity of thebeneficiaries. Here are some thoughtsto consider.

MINOR CHILDREN. If money goesto minor children, they may be tooyoung to legally accept the fundswithout a guardian. Who will controlthe money and how will the funds beused? What if a child becomesincapacitated before he or she receivesthe money? What if there is a second

marriage involved with his, hers andour children?

ADULT CHILDREN. If you leave alump sum proceeds to an adult child,can he or she handle the funds? Alarge amount of money could destroya young adults work ethic andperhaps his or her life. A lump-sumpayment to your adult child is alsoexposed to his or her spouse andcreditors. Even when adult children

are responsible, a misfortune such asa lawsuit, bankruptcy, divorce ordeath may put the policy proceeds atrisk.

SPOUSE. If your life insurancenames your spouse as a lump-sumbeneficiary, all decisions will belong

to the spouse. If you want the moneyto go to your spouse and then to yourchildren, what happens if your spouseremarries? If your spouse remarriesand then dies before yourreplacement, the second spousemay have a right to all of the money.If your spouse leaves the proceeds toyour children by will, the new spousemay have elective rights that willtransfer the funds to the newspouse. What if your surviving spousedoes not know how to handle moneyor becomes incapacitated?

In an ILIT, you have one opportunityto create the blueprint as to whathappens to the funds and to whomthe funds shall pass. You have initialcontrol but you do not get the luxuryof changing your mind as to theprovisions later on during your life.This normally applies to a largepolicy. It may be wise to considerplacing the policy and subsequently

the proceeds into an ILIT. You caninsure that the proceeds willaccomplish the purpose you intendedwhen you created the policy.

Jeff Roth is a partner with DavidBacon and associate Jessica Moon ofthe firm ROTH and BACON withoffices in Port Clinton, UpperSandusky, Marion, Ohio and FortMyers, Florida. All members of thefirm are licensed in Ohio and Florida.Mr. Roths practice is limited towealth strategy planning and elder

law in both states. Nothing in thisarticle is intended for, nor should berelied upon as individual legaladvice. The purpose of this article isto provide information to the publicon concepts of law as they pertain toestate and business planning. JeffRoth can be reached ato h i o f l o r i d a t r u s t @ a o l . c o m(telephone: 419-732-9994) copyrightJeffrey P. Roth 2013.

Legal

Thoughts on an ILIT

To learn more, call

419.385.5721, ext. 6001or visit toledozoo.org/groupsales

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LEMON, from Page 12

your bike that cant be used without

the bike.)Q: How do I know if my

motorcycle is a lemon?A: All new motorcycles come

with warranties from themanufacturer. If you have problems,you should go back to your dealer oranother authorized repair shop tohave the problem diagnosed andfixed. If the problem is not correctedwithin a reasonable number ofattempts or days out of service, thenyour vehicle may qualify for OhioLemon Law remedies. You may beable to get a new motorcycle or yourmoney back.

Q: How many repair attemptsmust be made before my motorcycleis considered a lemon?

A: Your motorcycle will be

considered a lemon if:

substantially the sameproblem has been subject torepair three or more times andstill exists or recurs;

the motorcycle has been outof service for a total of 30 ormore calendar days for repairs;

eight or more attempts havebeen made to repair anysubstantial defect or conditionthat does not comply with thewarranty;

at least one repair attempt hasbeen made for a safety-relatedproblem and the problem eithercontinues to exist or recurs.

Q: I think I have a lemonmotorcycle. What should I do?

A: While not required, it may be

See LEMON, Page 24



16/32

If youre having trouble with QuickBooks...

Its time to talk to Payne Nickles.Payne Nickles has Certified QuickBooks ProAdvisors on staff in both the Sanduskyand Norwalk offices! A great resource if you run into trouble or just need general help.

Our QuickBooks ProAdvisors can:

uHelp bookkeepers and smallbusiness owners troubleshoot

and reconcile problems.

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L Y C U Ohi S C t D i i


18/32

While the City government has had to adjustto tightening economic conditions. Manyvolunteer organizations and donors havestepped in to fill the void. Vermilion's downtownarea is a sea of flowers in the summer time andit's centrally located parks and beaches reflectthe pride the town takes in luring tourists and

boaters to the area.The City's Port Authority has worked to revampits public lands on the river to compliment thealready beautiful Cape Cod style houses and thetown's bustling marina community. TheVermilion River has long had a reputation forboth being attractive and welcoming to visitors.The port is home to many marinas, restaurantsand boating related shops and services.

So what is driving this new economic recoveryengine and growth, in a word, fish. Once justwritten off as a hobby or secondary activity to

pleasure boating, fishing has now moved frontand center. There's a new and growing customerbase and it's the awesome angler. Fishing hasgrown leaps and bounds as local marina ownerswill attest. A transformation has taken place inthe past decade and a half. A slow changeoverfrom the standard 268 Sea-ray cabin cruiser ofthe 80's and early 90's, to center console city.Where today's boaters have foregone the wastedspace of bedding, kitchenettes and closets forwalk around space, rod holders and open airseating.

What's good for the local economy is alsogood for the State. Ohio reports that 1 in 4Ohioans go boating every year. That more than$5.6 million is paid annually in boat registrationand titling fees throughout the state, in factBoaters paid $14.8 million in state marine fueltaxes alone during 2012. Boating and Tourismis a $40 billion per year industry -- Ohios 3rdlargest -- and one that supports the full-timeequivalent of approximately 443,000 Ohio jobsthat generate nearly $10 billion in directearnings.

Locally, in Vermilion the town accommodatesand estimated 2500 boats who call Vermiliontheir home port, and hundreds more that cometo visit. As Lake Erie is rightfully called theWalleye Capital of the World, and it reallyshows. The Vermilion River is home to agrowing charter boat industry, which is feed byboth Walleye Pike and Yellow Perch. All one hasto do is walk down the city's main street in thefall and they will see a host of charter boats startto move in from other ports and take uptemporary residence in Vermilion. Just ahead of

the towns well-known September through earlyNovember Perch season.So when youre traveling through Ohio looking

for a quaint but unique nautical destination, besure to put Vermilion on your list. Just one noteof warning, when in town be ready to hearabout the One that got away as someone inVermilion is certain to tell you something isvery fishy here, and we're grateful for it.

FISHY, from Page 14

Q: My mortgage lender foreclosed on myhouse. How would I know if the lender had theright to file the foreclosure?

A: Every mortgage loan has two important

documents: the note and the mortgage. The note isyour agreement to pay the lender. The mortgage isthe document that gives the lender the right toforeclose if you don't make the payments dueunder the note. Your lender can gain the right tobring a lawsuit against you in one of two ways.First, your mortgage might have been assigned tothe lender before your foreclosure case was filed. Ifso, a document called assignment of mortgagewould be attached to the foreclosure complaint,and the name on that assignment would be thename of the plaintiff (that is, the person or entity

bringing the foreclosure suit, such as your lenderor an entity your lender has designated). Second,the plaintiff might hold your note, although thismay be difficult to establish. Sometimes the notewill include a stamp that says endorsed to[plaintiff], indicating that the plaintiff probablyheld the note. In other cases, the note will sayendorsed to (blank). In such a case, the plaintiffis not specifically named and can bring the caseonly by having physical possession of the notewhen filing the foreclosure case.

Q: My house is in foreclosure and will betaken soon. Is there anything I can do to makesure my rights are protected?

A: Your foreclosure complaint will have anote and mortgage attached to it. An assignmentof mortgage also may be attached. If the mortgageis either in the plaintiffs name or is assigned to theplaintiff, then the foreclosure is probably valid. Ifnot, look at the note. If the note is made payableto the plaintiff, then the foreclosure is probablyvalid. If the note is endorsed in blank, the plaintiffshould have alleged in the complaint that it holdsthe note, and later will submit an affidavit stating

that it holds the note. If the plaintiff did not take

any of these steps, there could be a defect, and thismay entitle you to have the case dismissed.

Q: My property was sold at a foreclosure sale acouple of years ago. Now I understand that a

Supreme Court of Ohio decision may affect thevalidity of that sale. Is that true?

A: Possibly. On October 31, 2012, the SupremeCourt of Ohio issued its decision in Fed. HomeLoan Mtge. Corp. v. Schwartzwald. In that case, thecourt found that the lenders right to bring aforeclosure case is determined on the date that acomplaint is filed. To have the standing necessaryto bring a foreclosure case, the plaintiff must eitherhold the note or have been assigned the mortgage.If your foreclosure was filed and the plaintiff eitherdid not hold the note or was not assigned the

mortgage at the time of filing, the foreclosure maynot be valid.

Q: What will happen to future foreclosures inOhio in light of this Supreme Court of Ohiodecision?

A: In the post-Schwartzwald world, lenderswill be very cautious to make sure that they havethe right to bring the foreclosure in the first place.As the law currently stands, the plaintiff can bringthe foreclosure if the plaintiff either holds the noteor was assigned the mortgage. However, a case is

now being appealed to the Supreme Court of Ohioto determine whether the plaintiff must hold boththe note and the mortgage of record in order tobring the foreclosure case.

This Law You Can Use column was providedby the Ohio State Bar Association. It was preparedby J. Michael Debbeler, a partner in the Cincinnatifirm of Graydon Head. Articles appearing in thiscolumn are intended to provide broad, generalinformation about the law. Before applying thisinformation to a specific legal problem, readersare urged to seek advice from an attorney.

Law You Can Use: Ohio Supreme Court Decision

Affects Ownership of Foreclosed Properties

Q: How is real estate transferred in Ohio?A: Most commonly in Ohio, one party

transfers title to or an interest in real property to

another party through a written document called adeed. There are a few situations, however, such aswhen the government uses its eminent domainpower to acquire private property for a publicimprovement, where a court may order the transferof real estate without a deed. Also, in rare cases,title may be transferred as the result of continuouspossession by a person other than the owner. Ohiolaw requires a transfer of real estate to be in

writing.

Q: What must a deed contain?

A: A deed must: identify the current owner (grantor) and the

new owner (grantee); specifically describe the land to be transferred (a

street address is not enough; a legal description isrequired); and

contain language saying that the grantor

Law You Can Use:Transferring Real Estate in a Nut Shell

See TRANSFER, Page 22


d


19/32

Stephen P. Lenehan, MD, FACCCardiologist

St. Anne St. Charles St. Vincent Childrens Deance Tifn Willard

Learn more at mercyweb.org.

Member of Mercy Medical Partners

2011 Mercy

Your cardiac health is important to Mercy.

We know you count on Mercy to provide

convenient cardiology care.

Mercy Cardiology Specialists welcomes

Dr. Stephen Lenehan to the Mercy family.

Dr. Lenehan brings 25 years of cardiology

expertise to Mercy. He earned a medical

degree from The Ohio State University in

Columbus, Ohio, completed an Internal

Medicine Residency and Internship at

Riverside Hospital in Columbus, Ohio and

completed a Cardiology Fellowship at the

Cleveland Clinic in Cleveland, Ohio.

For your convenience, Dr. Lenehan is

accepting patients at Mercy Cardiology

Specialists Tifn and Mercy Cardiology

Specialists Willard.

To schedule an appointment with

Dr. Lenehan, call Mercy Cardiology

Specialists Tifn at 419.455.7480 or

Mercy Cardiology Specialists Willard at

419.964.5080 .

Count on care with compassion. Count on Mercy.

Mercy Cardiology

Specialists Tifn

45 St. Lawrence Dr.

Tifn, Ohio

Mercy Cardiology

Specialists Willard

1100 Neal Zick Rd.

Willard, Ohio

Steven Bruhl, MD, MS Gregory Vigesaa, MD

Students in the Fast Track Heating,

Ventilating and Air ConditioningProgram at Terra State CommunityCollege recently received real worldexperience while helping the collegeas well.

The former Early Learning Centeron campus is being renovated into aconference center. School employeeshad already removed furniture andfixtures, and contractors have beenbusy taking down ceiling tiles andother items, but disconnecting and

moving air conditioners and furnaceswas a bit more involved.Enter the 17 HVAC students and

their teachers, assistant professorsSteve Bender and Tim Roth. Thegroup spent an entire day recentlyrecovering refrigerant from eight airconditioners, safely disconnectingboth heating and cooling units,loading them onto trucks andmoving them to the HVAC lab.

This was a great opportunity forour HVAC students as well as for thecollege, Roth said. The studentswere able to work on older modelequipment which is importantbecause they will see these types ofunits when they get out in the field.And the college benefitted becausewe were able to recover about $700worth of refrigerant.

Also, the HVAC program will be

using the air conditioners and

furnaces in its lab.Our lab is only about three years

old, so we have the latest and greatestequipment for the students to learnon, Bender said. These units areolder but are still being used out inthe public. It will be good for thestudents to be work on them in thelab.

The program is offered in atraditional, degree-focused trackwith night classes as well as a Fast

Track option which leads to acertificate in just nine months oftechnical training. The Fast Trackclasses run approximately sevenhours a day, Monday throughThursday, in eight-week intervals.

Both options can lead to a degree.All technical courses taken throughFast Track automatically feed intothe associate degree programs forHVAC and the Associate of TechnicalStudies options at Terra State.

Terra HVAC graduates are preparedto install, service and maintainresidential and commercial heatingand cooling systems and zoning.They learn their trade on reach-inand walk-in coolers and freezers, icemachines, roof-top heating andcooling equipment and residentialboilers.

From left, students Josh Martin, of Tiffin, and Max Reinhard, of Fostoria,remove a furnace from the former Early Learning Center while AssistantProfessor Tim Roth watches

Terra State HVAC Students GainExperience While Helping the College



20/32

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Submitted by:Mark T. ReillyDiversified Insurance

Recently, hackers gotinto the Twitter accountof the Associated Press

and tweeted Breaking:Two explosions in theWhite House and BarackObama is injured. ThatTweet was enough tocause the S&P 500 to

crater for a few minutes. You wouldnt think that abreach in a social media account could cause sucha stir, but you would be wrong.

What do the New York State Electric & Gas Co.,Global Payments, Inc., the California Departmentof Child Support Services, Emory Healthcare, Inc.

and Apple have in common? All these companieshave been victims of a data breach in 2012,totaling millions of stolen records that includepersonal information such as Social Securitynumbers, credit card numbers and bank accountnumbers.

If your company handles critical assets such ascustomers personal data, intellectual property orproprietary corporate data, you are at risk of a databreach. It doesnt matter if you are a Fortune 500company or a small ma and pa shop, cyberthieves are always looking for their next score. It is

often assumed that smaller businesses are canescape attention from cyber crooks, but accordingto Verizon Communications 2012 Data BreachInvestigations Report, 72 percent of data breacheswere at companies with 100 or fewer employees.No company of any size is completely safe from adata breach.

Data Breach BasicsA data breach is an incident where private data is

accessed and/or stolen by an unauthorizedindividual. Data can be stolen by

Documents

NCBJ ePaper May 2013