connection fairlawn area chamber of commerce … · (holding a black belt in tae kwon do and a...

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dates to remember

from the president

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member benefi ts &discounts roster

to your health

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Fairlawn Area Chamber of Commerce Newsletter • October/November/December 2015

November General Meeting / Luncheon Monday, November 9, 2015

Hilton Akron/Fairlawn - 3180 W. Market Street11:00 a.m. Networking • 11:40 a.m. -1:00 p.m. Luncheon

RSVP by November 5th to: 330-777-0032 or [email protected]

October General Meeting / Luncheon Monday, October 12, 2015

Hilton Akron/Fairlawn - 3180 W. Market Street11:00 a.m. Networking • 11:40 a.m. -1:00 p.m. Luncheon

RSVP by October 8th to: 330-777-0032 or [email protected]

Speaker: David MorganFederal Bureau of Investigation

Honoring our non-profi t members today! (If you are a non-profi t, please reserve your FREE display table for this luncheon ASAP! Email [email protected] to reserve your table.

Holiday Auction - Monday, December 14, 2015

Special Agent (SA) David Morgan graduated from Tennessee Tech University in 1992 with a BS in Mechanical Engineering and worked for 6 years as an Engineer for companies in Alabama and Tennessee. In 1996, SA Morgan joined the Feder-al Bureau of Investigation and was initially assigned to work Oversees Terrorism investigations in the Washington DC Field Offi ce. During that time, SA Morgan investigated aspects of the Kobar Tower Bombing in Saudi Arabia and American

Embassy Bombing in Nairobi, Kenya. Later, SA Morgan was transferred to work Cyber Crime Investi-gations including an espionage investigation involving the United States Department of State.

After transferring to the Cleveland Division in May of 2000, SA Morgan continued to work Cyber Crime Investigations and later White Collar Crime Investigations. In December of 2007, SA Morgan was appointed as the Supervisor of the Financial Crimes Squad with responsibility for investigations such as bank fraud, securities fraud and corporate embezzlements. In November of 2011, SA Morgan was appointed as the Supervisor of the Cyber Crime Squad responsible for computer intrusion investigations related to counterintelligence, international terrorism and criminal enterprises. In April of 2014, SA Morgan was tasked with heading the Canton FBI Offi ce. In that position, SA Morgan has oversight on investigations occurring in Ashland, Carroll, Crawford, Holmes, Marion, Richland, Stark, Tus-carawas, Wyandot and Wayne Counties in Ohio. In 2015, after completing a 7 year term as Supervisor, SA Morgan returned to case work and is now assigned to the Akron offi ce of the FBI with primary responsibilities of Public Corruption and White Collar Crime.

Speaker: Daniel FlowersPresident & CEOAkron-Canton Regional Foodbank

Dan Flowers has been the President and CEO of the Akron-Canton Regional Food-bank since 2003. During his tenure, the Foodbank has experienced signifi cant growth, distributing more than 26 million pounds in 2014. Under his leadership, the Akron-Canton Regional Foodbank became the 2012 Food-

bank of the Year, the highest recognition achievable by food banks across the nation. Most recently, the Foodbank was recognized as one of Northeast Ohio’s best places to work. Dan is currently Chairman of the Ohio Association Foodbank’s Board of Directors. He is also a member of BVU: Center for Non-Profi t Excellence Board of Directors, the Better Business Bureau Board of Directors, and the Development Fund of the Western Reserve Advisory Board. Dan is also a proud graduate of Leadership Akron Class XXII. Prior to moving to Ohio, he was employed by the Northrop Grumman Company as Director of Administration for the federally funded Job Corps Center in Flint, MI. Dan resides in Akron with his wife, Holly, and their three children, Andrew, Jonathan , and Mary. He attends Rootstown Community Bible Church where he and his wife run the church food pantry. Dan is an avid reader, runner, video gamer, and martial artist (holding a black belt in Tae Kwon Do and a white belt in Brazilian Jiujitsu)

• Fairlawn Area Chamber of Commerce Newsletter • October/November/December 2015

Amy HolbrookPremier Bank & Trust

Missy KleinOPEN M

Terry MeinenPrimerica

2015-2016 Board of Directors

Eileen SassSASS Accounting Services

Polly Riffl eExecutive Director

Lisa GouldJohn Dellagnese & Associates, Inc.

Brad LubingerTown Planner

Tom GreenKastner Westman & Wilkins, LLC

Todd KennedyLevin Swedler Kennedy

rsvpNowYour reservations are important to us!

Please call the chamber at 330-777-0032 or email to

[email protected] for all events!

Leslianne LakeOld Carolina Barbecue

David PellandBear / PellandAssociates

Lori DruganGallery of Framing /Art Gallery

Wednesday, October 7, 2015After 5Networking Extravaganza5:00 p.m. - 7:00 p.m.OPEN M941 Princeton StreetAkron, OH 44311

Monday, October 12, 2015General Meeting / Luncheon(Details front page)

Tuesday, October 13, 2015Holiday Auction Committee Meeting8:30 am – 9:30 amStewart’s Caring Place2955 W. Market Street, #RFairlawn, OH 44333

Tuesday, October 13, 2015After 55:30 p.m. - 7:00 p.m.5th Third Bank & Dave’s Cosmic Subs3640 W. Market StreetFairlawn, OH 44333

Thursday, October 15, 2015Membership Committee Meeting8:30 am – 9:30 amStewart’s Caring Place2955 W. Market Street, #RFairlawn, OH 44333

Monday, November 9, 2015General Meeting / Luncheon(Details front page)

Tuesday, November 10 & 17, 2015Holiday Auction Committee Meetings8:30 am – 9:30 amStewart’s Caring Place2955 W. Market Street, #RFairlawn, OH 44333

Thursday, November 12, 2015Membership Committee Meeting8:30 am – 9:30 amStewart’s Caring Place2955 W. Market Street, #RFairlawn, OH 44333

Wednesday, November 16, 2015Before 97:30 am – 9:30 amBrown Mackie College755 White Pond Drive, Suite 101Akron, OH 44320

HOLIDAY AUCTIONMONDAY, DECEMBER 14, 2015

Tuesday, December 1 & 8, 2015Holiday Auction Committee Meetings8:30 am – 9:30 amStewart’s Caring Place2955 W. Market Street, #RFairlawn, OH 44333

No other activities for the month.

Enjoy the holidays!

from the president

Greetings Membership,

As summer comes to a close it is my hope that you all enjoyed the warmer months and were able to spend time with family and friends. The end of summer marks the beginning of some important events with the Fairlawn Area Chamber of Commerce. Although

Christmas is in the near distance the Holiday Auction Committee will begin meeting and the planning process of our biggest event. Becoming involved with this committee is a great way to get involved with our chamber, keeping in mind that a portion of the proceeds from the auction are donated back to various non-profi ts that are members of the FACC. Please consider donating your time or an auction item to help us continue to give back to such a wonderful community! Contact the FACC Executive Director Polly Riffl e for more details on how to become involved.

Mark your calendar for the November membership meeting showcasing our non-profi ts where we will have the Akron-Canton Foodbank CEO, Dan Flowers as our guest speaker. Also, keep an eye out for the upcoming Before 9’s and After 5’s that are organized by Terry Meinen who always does a terrifi c job scheduling and showcasing your businesses and for the upcoming Speed Networking that is organized by Brad Lubinger. Being a member of the Fairlawn Area Chamber has many perks.

As the year comes to a close I wish you all a happy and healthy holiday season and if you have any suggestion or questions regarding the Chamber, please feel free to contact me.

Cheers


The Evolving Scope of Discrimination “Because of Sex” –What Employers Need to Know

Neither Ohio nor federal law, at least explicitly, prohibit discrimination on the basis of sexual orientation, gender identity, or transgender status. Even so, the U.S. Equal

Employment Opportunity Commission (“EEOC”) has endeavored to expand the protection of federal employment discrimination laws to these groups by interpreting “sex discrimination” broadly.

Since 1989, the Supreme Court has interpreted “sex discrimination” to include discrimination against an employee who fails to conform to stereotypical gender norms. In December 2012, the EEOC took it a step further, announcing that one of its top enforcement priorities is “coverage of lesbian, gay, bisexual and transgender individuals under Title VII’s sex discrimination provisions, as they may apply.” This announcement, coupled with the EEOC’s recent enforcement practices, makes clear that the EEOC intends to expand the current scope of sex discrimination to cover discrimination based on sexual orientation and transgender status, regardless of whether an employer has engaged in sexual stereotyping.

In furtherance of that objective, in July 2015, the EEOC issued a decision fi nding that discrimination on the basis of sexual orientation is always sex discrimination and, therefore, unlawful in all contexts. This particular decision only applies to federal government employees, but the EEOC has pursued litigation against at least two private employers on the same grounds.

This development has far-sweeping implications for employer practices from anti-discrimination policies, to employment applications, and dress codes. Employers would be best served by reviewing those policies and practices with legal counsel sooner rather than later.

Tom Green,OSBA Certifi ed Specialist in Labor & Employment Law,

Kastner Westman & Wilkins, LLC

Overcoming Procrastination with Positive ActionsWhat does it look like to be crowned the King or Queen of BUSY? In today’s fast-paced world, many consider being busy as the rite of passage in order to get ahead. But does it really have to be that way?Let’s look at what being such a king or queen of busy entails: • So do you start and stop a task – pick it up, put it down with 17 different tasks on your list and never get any of them done? • Do you volunteer at school, church, community or work because you just know no one else will do the job? • Do you have your kids in afterschool activities 5-6 days a week? • Is technology controlling your life?

It has been estimated that the tendency to start and stop a task – to pick it up, put it down, and come back to it – can increase the time necessary to complete the task by as much as 500%!When you prepare thoroughly and then begin, REFUSING to stop or turn aside until the job is done, you develop ENERGY, ENTHUSIASM, and MOTIVATION. You get better and better and more productive. You work fast and more effectively. Another words, you’re eating that big frog. Elbert Hubbard, author of A Message to Garcia, defi ned self-discipline as the “ability to make yourself do what you should do, when you should do it, whether you feel like it or not.” The Great Question to Ask Yourself TodayWhat one skill, if I developed and did it in an excellent fashion, would have the greatest positive impact on my career and personal life?Practice creative Procrastination – Everyone procrastinates! Since you must procrastinate anyway, decide today to procrastinate on low-value activities (Obligations) – outsource, delegate and eliminate those activities that don’t make much of a contribution to your life. Get rid of the tadpoles and focus on the FROGS!These are just a few snippets from Brian Tracy’s book, Eat That Frog, which is packed full of great ideas and common sense ways to get your life back in balance.

It would be my pleasure to help you and your team DARE to CHANGE! Chris Schroeder

LIFE Leadership Independent Member330-603-0428 – Stow, Ohio

www.lifeleadership.com/61326651


membershipnews

Sandra ArmbrusterMy Massage Place

330-573-5804

Gina CanigliaOhio Savings Bank

330-836-9547

Lori DruganGallery of Framing

330-835-3046

Chris FultonHerbalife

330-607-5943

New Members

Dale HansenFamily Hearing & Balance Center330-644-1932

Justyn JaymesWeathervane Playhouse

330-836-2626

Bethany KohlerTupperware Consultant

330-697-0773

Bunny LaceyAkron Life Magazine330-253-0056 ext 110

Karen LeonardInnovative Global Vision330-425-0922 ext 112

Kelly KennedyAdvoCare

330-329-5138

Tom MajkaBusiness-Right, Inc.

330-606-1193

Terry MeinenPrimerica

330-644-9910

Elaine NeumannElaine R. Neumann Interiors

330-388-3623

Laura PalmerWeigh 2 Wellness, Ltd

330-701-0734

Debbie ReissG.A.S.P.

330-247-1402

Chris SchroederLife Leadership330-603-0428

Jan SeymourWelcome Basket Associates

330-867-9193

Margaret Tournier21st Century Financial

330-668-9055

Trish Goodin-YardMary Kay Cosmetics

330-310-4221

Farmers Insurance / Hyre Insurance Agency Ronald Hyre275 Graham Road, Suite 6Cuyahoga Falls, OH 44223330-818-7599330-777-4417 (Fax)[email protected]/rhyreInsurance

Dave’s Cosmic SubsBrittany Roberts3750 W. Market Street, Suite GFairlawn, OH [email protected]

Catavolos Funeral HomesJohn Kueneman3635 W. Market StreetFairlawn, OH 44333330-665-1700330-665-8958 (Fax)[email protected] Homes

Rodan and FieldsShawnda Boysel4059 Sacramento BlvdMedina, OH 44256330-416-9440Shawndaboysel1@gmail.comwww.shawndaboysel.myrandf.comDermatologic Skincare

Akrochem CorporationJason Silver3770 Embassy ParkwayAkron, OH 44333330-535-2100330-535-8947 (Fax)[email protected]@akrochem.comManufacturing

Cole Co., L.P.A.Steven Fannin863 North Cleveland-Massillon RdAkron, OH 44333330-666-5500330-665-5722 (Fax)[email protected]/Law Firms

Abshire & Haylan JewelersLori Decker2073 Graham RoadStow, OH 44224330-689-1990330-686-8455 (Fax)[email protected]

Jeremy Wanzer, DDS LLCJeremy S. Wanzer 544 White Pond Drive, Suite CAkron, OH 44320330-836-9818330-836-2752 (Fax)[email protected]

KAZ CompanySharon Honroth155 Delaware TrailCopley, OH 44321330-608-1171shonroth@medicareplanneo.comwww.medicareplansneo.comMedicare Planning

Capital Business Resources, Inc. Jim Dunn3562 Ridge Park Drive, Suite BAkron, OH 44333330-668-6000330-670-6526 (Fax)[email protected] Firm

membership committee

New Members JulyDiane Morrison, Sassy Dog; Ronald Hyre,

Farmers Insurance / Hyre Insurance Agency; Shawnda Boysel, Rodan and Fields;

and Missy Klein, FACC President

New Members AugustLori Decker, Abshire & Haylan Jewelers; Lola Austin,

Catavolos Funeral Homes; Steven Fannin, Cole Co., L.P.A.; Missy Klein, FACC President; Sharon Honroth , KAZ Company;

Jeremy S. Wanzer, Jeremy Wanzer, DDS LLC; and Seth Poitinger, PRLKW & Co.

SLG Insurance ServicesSandra Gasser242 S. Cleveland-Massillon RdAkron, OH 44333330-668-2417330-668-2319 (Fax)[email protected] Agency

Motivation Motivates Me87 Greencrest TerraceAkron, OH 44313330-903-0982afortnoff@gmail.comwww.motivationmotivates.comConsulting

Best Version Media Dana Bullock415 N. Medina Line RoadMedina, OH 44256330-350-0216danabullock.bvm@gmail.comwww.bestversionmedia.comPublication

Best Western PlusJohn Ritchie160 Montrose West AvenueAkron, OH 44321234-466-0573888-221-9577 (Fax)[email protected]/ Motels

Title Boxing ClubJohn Swartz/Bryon Crane5155 Buehlers Drive, Suite 100Medina, OH 44256330-952-2582john.swartz@titleboxingclub.comwww.medina.titleboxingclub.comFitness Center

ITworksSteven Taylor275 Graham Road, Suite 6ACuyahoga Falls, OH [email protected] Service Company

New Members SeptemberJim Dunn, Capital Business Resources, Inc.;

Stacey Caskey-Colbentz, SLG Insurance Services; John Ritchie, Best Western Plus; Missy Klein, FACC President;

John Swartz and Bryon Crane, Title Boxing Club; and Steven Taylor, ITWorks.


July / August Luncheons

Marketing in the Holiday SeasonIt’s never too early for your small business to start preparing for the holiday season. I know you’re probably thinking, it’s only September I don’t want to start thinking about November and December yet! But having a solid plan in place going into the holiday season will help your business be prepared and avoid any last minute rushing to get ready. You want to start early so you have time to develop your plan, create any marketing materials and

train you staff on how to handle the holiday rush. Whether you are a business-to-business, business-to-consumer or a non-profi t it helps to start planning early for your holiday promotion.

Whenever you create a holiday marketing plan you want to make sure that it ties into your overall strategy. You want to make sure it is a cohesive fi t with everything else you have been doing all year. You also want to set goals and objectives for your holiday promotion so you know how you did looking back. By having benchmarks in place you are able to compare your seasons from year to year and see how changes you’ve made have helped grow your business during the holiday season.

Some simple things that you can do to help promote your business in the holiday season are to: • Send out a staff holiday card or email to all of your customers thanking them

for being loyal customers.• Hold a holiday themed party or get-together for your clients so they can stop

by your offi ce and get to know you better.

• Offer holiday based promotions such as your own version of a Black Friday Sale, offer free holiday shipping or a discount/coupon.

• Hold holiday based social media contests like share your favorite holiday tradition for the chance to win some sort of prize

• Send out holiday themed emails with promo codes or trackable coupons so you can easily track how many people used the code.

Whatever promotional material you create should relate back to your brand in some way. You can use holiday colors but make sure that you logo is present and you use a similar font to your website so people can easily recognize your brand. Make sure to pick a theme and stick with it, you don’t want all of your print to one theme and everything on social media has another. You want to make sure everything is cohesive and looks similar.

So make sure that you start planning early for this holiday season! Give yourself an adequate amount of time to plan, create and execute your plan. Keep in mind that most people feel that it is normal to start seeing holiday promotions in November. Make sure that whatever plan you come up with ties into your overall marketing strategy for the year and stays true to your company’s brand. Pick promotions that your customers will appreciate and make sure to thank them for being your loyal customers!

Karen LeonardInnovative Global Vision, Inc

(330) 425-0922. www.igvinc.com

Innovative Global Vision is a full-service digital marketing fi rm, specializing in Web Design, Hosting, and Marketing & Video Productions Services.

“It is all about results”


Fall and Winter Produce is HereThe cookouts, corn on the cob and fresh fruits of summertime may be history for another year, but there is good news for fresh-food fans. The fall harvest season brings a whole new assortment of delicious and heart-

healthy fresh fruit and vegetables. Apples, pears, broccoli and Brussels sprouts are fresh in the market – or in your garden.

Autumn is a time to shift from the seed fruit that we eat in the summer to all the nutrition-rich goodies, like the grapes and the many varieties of squash. These fresh foods are not only tasty, but can help you feel better, get healthier and may protect against heart disease and stroke.

Colors of FallFall brings its own color wheel of seasonal fruits and vegetables. Deep colors like oranges, reds, and purples are especially prominent in the cooler months. However, it’s important to strive for variety with your fall favorites. Don’t just have a green salad; add all different colors into the salad. More colors usually means there is good nutritional value in your meal.

Fruits and vegetables with color contain vitamins, minerals, fi ber and phytochemicals that have different disease-fi ghting elements. These compounds may be important in reducing the risk of many conditions, including cardiovascular disease. The American Heart Association recommends at least 4-5 servings per day of fruits and vegetables based on a 2000 calorie diet as part of a healthy lifestyle that can lower your risk for these diseases.

Fruits, Vegetables and Your WeightThe autumn months bring additional health and nutritional challenges. The shorter, cooler days can make it harder to get physical activity outdoors. And there are the looming (and calorie-packed) temptations of football party snacks, Halloween sweets and Thanksgiving buffets. One good way to avoid those extra seasonal pounds is to keep eating plenty of fresh fruit and vegetables. Apples have a unique source of fi ber that is excellent for weight control. This is fantastic during the fall, because this is when they are harvested and why they’re so crisp and delicious.

Other Fresh-food Benefi tsWhile grocery stores will carry an assortment of fruits and vegetables throughout the year, buying seasonal produce can take some of the strain off your wallet. When foods are in season locally, they are usually more abundant and affordable. Buying seasonal produce may also add zest and fl avor to your meals. Fruits and vegetables that are in season are typically fresher and more fl avorful.

However, some canned or frozen fruits and vegetables can be just as healthy and satisfying. Some people think frozen or canned vegetables lack nutritional value, but they are usually processed at the peak of harvest so can provide nutritional value which is similar to fresh produce. I do recommend rinsing canned vegetables to remove excess sodium.

Enjoy the football season, Halloween, Thanksgiving and Christmas Seasons. Keep your focus on fruits and vegetables, and maybe there won’t be as much room in your tummy for all the high calorie foods that are typical during this time of year.

Laura PalmerWeigh 2 Wellness

www.Weigh2Wellness.com / 330.701.0734

to your health

Heart Rate and ExerciseMaintaining a healthy heart is one of the most important reasons to exercise. Because the heart is a muscle, regular exercise increases its capacity to deal with new tasks without strain, similar to strengthening skeletal muscles.

Your heart rate gives you an account of your body’s responses to changes in your physical activity. It also determines whether you’re working hard enough to get

the results you desire and if you are allowing your body enough recovery time after your last workout (your resting heart rate will be higher than normal if not).

In order to fi nd the best Heart Rate Training Zone for your goals and activity, you fi rst must calculate your estimated Maximum Heart Rate (MHR). Use this simple formula: 220 – Age = MHR**

220 - _______ (Your Age) = __________ (Your Estimated MHR)

Now that you know your estimated MHR, use it to determine the heart rate range in which you should be working while participating in cardiovascular exercise – walk, run, bike, row, elliptical, stair climber, group exercise classes, etc.

Goal: Endurance Training and General Cardiovascular ConditioningCalculate 50% to 65% of your MHR if you’re a beginner; 60% to 75% for intermediate level exercisers; and 70% to 85% percent for experienced aerobic exercisers.

For example, if you’re a 45-year-old beginner with no known health issues, your MHR is approximately 175 beats per minute (bpm). Multiplying 175 by 50% and again by 65% gives a heart rate range of 87 bpm to 113 bpm. This is a good place to start.

Goal: Weight LossUse interval training to burn the most calories. Short bursts of high-intensity exercise (80% to 85% of MHR) followed by lower-intensity recovery periods (50% to 65% of MHR) burns more calories than exercising at a consistent level of exertion for the same amount of time.

Calculate Your Heart Rate Training Zones

Zone Range Effort Goal Your HR Range (of MHR) calculated (write in) “Healthy Heart” 50% - 65% Low Get fi t “Aerobic” 60% - 75% Moderate Get fi tter “Performance” 70% - 85% High Get fast

Measure Your ProgressYour heart rate can help you keep tabs on your progress. Measure your heart rate 15 to 60 minutes after exercising and compare these numbers over time as you get in better shape. The numbers decrease as your heart becomes stronger.

Heart Rate MonitorsA heart rate monitor is far superior to manually taking your pulse while exercising. There are many different types of heart rate monitors available. At LifeStyles, all of the cardiovascular machines have the ability to measure your heart rate whether you are wearing a heart rate monitor or holding on to the heart rate sensors located on each machine.

Keeping track of your heart rate during exercise assures that you get the most bang for your exercise buck.

**There are more accurate methods available to determining your Maximum Heart Rate and your Heart Rate Training Zone. See an Exercise Specialist or Personal Trainer to learn more.Special Note to People Taking Blood Pressure MedicationIf you are taking a beta blocker to control high blood pressure, the medication may prevent the increase in heart rate that typically occurs with exercise. This means that it might not be possible for you to reach your target heart rate — the number of heart beats per minute you should have to ensure you’re exercising at the proper intensity level. No matter how hard you exercise when taking a beta blocker, you may never reach your target heart rate. However, being unable to reach your previous target heart rate doesn’t mean you’re not getting cardiovascular benefi ts from exercise. See an Exercise Specialist or Personal Trainer for assistance in determining your exercise heart rate.

Justin Berthiaume Membership Manager for Akron general LifeStyles

Contributions by: Laurie Cingle, M.Ed, ACSM, NASM, Group Fitness Manager, LifeStyles


How to Build a Better BudgetMore than half of Americans say they don’t have a personal budget, and nearly 40% report that they live paycheck to paycheck.* While it might seem like a chore to track all your accounts and purchases, you could be taking unnecessary chances with your standard of living if you don’t.

How can you keep tabs on your spending and maintain an accurate view of where you stand with your personal fi nances? Online tools are a great place to start. They can make the budgeting exercise easier while helping you build confi dence and personal satisfaction in the process.

Tally Your ExpensesYou have easy access to a range of personal fi nance and budgeting tools to smooth the process. Before using any of them, start by understanding the basics of budgeting.

As a fi rst step, add up everything you spend in a month. You can come up with your own ledger or use Wells Fargo’s Budget Watch. These tools pull data directly from your checking, savings, credit card and brokerage accounts. That allows you to quickly sort your spending into categories — from groceries to health care — to create a more comprehensive and accurate picture of where your money is going. Divide your monthly spending into two categories: necessities, such as rent, groceries and utilities; and discretionary costs, such as entertainment and shopping.

Next, total up your monthly income, including paychecks, investment proceeds and any other earnings. Then subtract your monthly expenses from this fi gure. If you’ve got money left over, pat yourself on the back. If you’re in the red, proceed directly to the next step.

Adjust Your SpendingCategorizing your monthly expenses may lead you to rethink your spending habits. For example, you may fi nd that frequent restaurant dinners are siphoning off hundreds of dollars from your end-of-month balance. Also look carefully at other spending decisions. Could the money you spend each month on premium cable channels or new clothes be put to better use elsewhere?

Purchases aren’t the only place to look for savings. Review the interest rates on each of your credit cards and, if possible, transfer balances to lower-rate accounts. Likewise, refi nancing your mortgage to take advantage of low interest rates may save you hundreds of dollars a month.

Save for EmergenciesAn unexpected medical bill or house repair can quickly throw a wrench into a budgeting plan. Prepare for these unforeseen setbacks by building an emergency fund large enough to cover living expenses for three to six months. This can help buffer your fi nances if a catastrophe strikes. Review your budget to see how much you can comfortably allot to an emergency fund each month.

Set Up Automatic Transfers to Your Savings AccountOnce you have a savings target, set up automatic transfers from your paycheck to your savings account — and make sure you don’t dip into those funds to pay for a dinner out or a spontaneous weekend getaway. For instance, don’t let a destination wedding knock your budget off track. Perhaps your best friend is getting married in a vineyard three states away — or at a tropical resort an airplane ride away. If you’re hoping to attend, make sure you plan for it the way you should for any other vacation: carefully and ahead of time.

The work you do now to build a sustainable budget will likely pay dividends. You’ll manage your day-to-day fi nances better and free up fi nancial resources to pursue long-term goals such as retiring comfortably or helping fund a child’s education.

* National Foundation for Credit Counseling, “The 2012 Consumer Financial Literacy Survey,” 2012, http://www.nfcc.org/newsroom/FinancialLiteracy/fi les2012/FLS2012FINALREPORT0402late.pdf.

This article was written by Wells Fargo Advisors and provided courtesy of Michele Gensel, Senior Vice President Complex Manager

in Akron, OH at 330-668-7735.

Investments in securities and insurance products are: NOT FDIC-INSURED/NOT BANK-GUARANTEED/MAY LOSE VALUE

Wells Fargo Advisors, LLC, Member SIPC, is a registered broker-dealer and a separate

non-bank affi liate of Wells Fargo & Company.

©2014 Wells Fargo Advisors, LLC. All rights reserved. 00314-05493 [93598-v1] 05/14

The Medina location is scheduled to open this November and will be located at 5155 Buehlers Drive, Suite 100.

Burn up to 1,000 calories with a 1 hour, non-contact boxing and kickboxing based total body workout. Take advantage of a “First Shot Free” class by visiting our website at TITLEBoxingClub.com and register to reserve your bag and receive updates on Club opening. Like our Facebook page, TITLE Boxing Club Medina, for a chance to win a free one month membeship. Follow us on Twitter: @tbcmedina and Instagram: tbcmedina. You can also reserve a free class for your business (employees, clients, family and friends) by calling Byron Crane at 330-952-CLUB(2582). Your business will be highlighted at the club for the day and on our social media.

TITLE Boxing Club is coming to Medina!


circle of excellence m

ember

Now you can get cost savings on your health insurance benefi ts usually reserved for larger companies. How? You get the purchasing power of the group insurance market through your chamber of commerce membership. PLUS, you also get access to the comprehensive care and quality providers you’ve come to expect.

Call one of our health insurance agents today! Look in your membership directory to fi nd one.

Never enough hoursin your day?

In West Akron, Summa Health Center at White Pond/Park West offers easy access to:

• Bone densitometry

• CT scans

• General ultrasound

• Digital mammography - 2D and 3D

• Open MRI and MRA screenings

• Walk-in laboratory

• Walk-in X-ray services

You’re busy – with kids’

sports, dance recitals,

school, family events, caring

for aging parents, chores,

work.

You don’t have time to drive

miles for lab work, imaging or

other healthcare services.

Summa Health System’s

network of 18 health centers

in Summit and Medina

counties provide convenient,

high quality care for busy

families.

Summa Health Center at White Pond

One Park West Boulevard Suite 130 Akron, OH 44320

(330) 873-1518

(off White Pond Drive and I-77)

Call (800) 237-8662 for more information or to make an appointment with a Summa physician.

Visit summahealth.org to learn more about services available at other Summa locations.

After 5July 27, 2015The Village at St. Edward

After 5 August 11, 2015Akron Racers

After 5September 22, 2015Holiday Inn Akron West

To each business that so graciously opened your doors to host an After 5

or an Before 9. . .

Thank You!

Any member that would be interested in hosting an “After Five” or a “Networking Before Nine”

please contact the chamber offi ce at 330-777-0032.

After5


Making the Most of YourCollege Savings Plans For many, the excitement of seeing a child graduate is dampened by college tuition payments. According to the National Center for Education Statistics, costs have doubled since 2000–2001 – a rate most education savings plans haven’t kept pace with. Let’s look at some strategies.1. Upon hearing sometimes six-fi gure estimates for four years of

college, many parents think, “I can’t afford that” – so they don’t save at all.

• You may not have to do it alone. According to Sallie Mae, about 35% of costs are covered outside parents’ or students’ resources.

• Compare costs. A nearby university with higher tuition may be the better value after room and board, meal, and transportation expenses are included.

• The popular vehicle is often the least effi cient. A bank’s savings account may be convenient, but those tend to grow slowly and with few tax benefi ts.

2. Not all 529s are alike. • Almost anyone can save in a 529, and as long proceeds are used for qualifi ed college-related

expenses, they’re tax-free. • Check for benefi ts and management fees. Your state may give a tax break for investing

locally, but it may make sense to invest in an out-of-state plan with smaller fees. • Many plans are designed to lessen market risk as your child gets closer to college, reducing

the chance a market correction will decimate your savings.3. Apply for fi nancial aid. • Not all aid is need-based. By fi lling out FAFSA, your child can become eligible for scholarships

and grants. • Look for savings related to your child’s development. Money for expenses your child will

outgrow, like diapers, can be applied to savings. • By having your children contribute to costs, you’re giving them a stake in achieving a positive

educational outcome.The best plans comprise a variety of strategies, but all experts advise against raiding your retirement savings. I can help you create an education savings plan that works with your other fi nancial goals.

Article provided by Robert W. Baird & Co. for Paula R. Chesser, CSA®, Vice President, Senior Investment Consultant of Robert W. Baird & Co., member SIPC.

| 330-664-5500 | 877-792-7868 | [email protected]

Choosing a Great Trustee: The Part of Estate Planning that Everyone Forgets to Care About

Many people use trusts to avoid the costs and expenses of a probate proceeding, organize their affairs, and to take advantage of favorable tax planning. Trusts can also be an excellent way to exercise control over the use of your assets long after you are gone. Instead of creating a windfall for your designated benefi ciaries, a trust allows you to stipulate rules and requirements that must be met before the trust assets are distributed. Along those lines, it’s important to remember that rules are only as good as the person who enforces them. As you prepare your estate plan you should take as much time choosing the trustee as you do crafting the terms of the trust itself. Failing to carefully choose the trustee could trigger some major problems. Let’s look at two common missteps.

Choosing someone who is already busy – Serving as the trustee of a trust is something that takes signifi cant time and effort, even in the best of circumstances. After you have passed away your trustee spends numerous hours consulting with attorneys, accountants, and fi nancial advisors. Their trustee to-do list will fi nd them visiting banks, parsing through paperwork, taking care of real estate, and distributing your personal items – just to name a few. If you designate an individual who already has a full plate of responsibilities then the additional task of serving as trustee could be a signifi cant burden. The administration of a trust can often take more than a year and involves accepting some legal liability. Just because a friend or relative is capable doesn’t mean that they are actually able to handle your affairs.

Taking sides in a tense family setting – Trusts can be an excellent way to deal with sticky family situations. People routinely use trusts to plan for special needs benefi ciaries, second families, and “problem children”. A trust with this design can create a natural tension between the parties that are involved. It is a bad idea to choose an individual trustee who is in one camp. For example, let’s imagine a trust is designed to benefi t a second spouse as well as children from a fi rst marriage. If you select the second spouse as the trustee then the children are likely to complain that too much of the trust was distributed. Inversely, if you choose one of the children, the second spouse might not receive the distributions that he or she would otherwise be entitled to. The same problems can arise even in a traditional family setting. How many sibling rivalries have begun over allegations of unfair behavior when settling an estate? Help everyone involved by not taking sides. Solution: Appoint a third-party trustee – The best way to avoid the pitfalls of selecting a family member as a trustee is to name a qualifi ed, third-party trustee. A bank trust department can provide the solution that you are looking for. The staff is experienced in making the complex legal, investment, and tax decisions that are most benefi cial to your trust. The bank will see the administration of your trust as a full-time responsibility, not the part-time burden that some family members might. The bank is equipped to make fair, impartial decisions associated with the distribution of the trust assets. Unlike an individual trustee, any move that the bank makes is regulated and approved by regulatory bodies, ensuring an added layer of fi nancial security. There is no question that most family members would be excited to learn that they are listed as one of the trust benefi ciaries. The reality of today’s day and age is that most family members would be equally relieved to see that someone else is responsible for doing the leg work while they get the check. Why not provide your benefi ciaries with the peace of mind knowing that a professional trustee is taking care of your affairs.For more information on choosing a trustee, contact Bill Flemm at 330-849-2822 or visit us at www.mypremierbankandtrust.com.

Do you want to SOLVE the skin issues you see when you look in the mirror? My name is Shawnda Boysel. Let me introduce to you RODAN AND FIELDS, comprehensive CLINICAL GRADE skincare created by world renowned dermatologists Dr. Katie Rodan and Dr. Kathy Fields, solving 90% of skin issues you and I deal with every day. My background of 14 years of care in the medical fi eld, 4 years exclusively serving breast cancer patients, put me in the privileged position to be asked hundreds of times, “What can I use for my skin?” It always grieved me that I had no real answer to offer those who dearly needed real solutions for their skin. Rodan and Fields Multi-Med*Therapy philosophy is all about skintransformation. When you combine the right medicines, in the right formulations, in the right order and use them consistently, you can achieve real results-for life. These Doctors have given my patients, and any one with skin, the answer to their needs. There has never been clinical grade skincare available without prescriptions or doctor offi ce fees! We have dermatological RNs on call, and an exclusive Solution Tool to bring customized recommendations from our Doctors to everyone. Please contact me today! Let’s get you started towards the best skin of your life!

September Luncheon


The Hyre Insurance Agency is a Farmers Insurance and Financial Services agency. Your one solution for personal and commercial insurance needs, offering both individual and group policies. Beyond your typical auto and home insurance - we provide coverage for boats, motorcycles, 4-wheelers, golf carts, dune buggies, campers, and more!

Commercially our policies have your business covered with numerous endorsements you probably have not thought of. An added bonus with our optional EPLI endorsement is a Human Resource portal. This portal has templates and advisors to help with handbooks, applications, and other important HR compliancy issues. Helping you have a HR department without the need for the additional staffi ng.

In addition to insurance products we also offer fi nancial services products*. Offering Traditional IRAs, Roth IRAs, 401(k)s for both your business and rollovers, 529 College Savings Plans, Indexed & Variable Annuities, and Variable Universal Life Insurance. We do not charge any planning or advisor fees when helping you or your business with these products.

We treat our Clients like Family, and our Family like Friends.

Hello, my name is Lori Decker. I am the store manager at Abshire and Haylan Jewelers. We are located at 2073 Graham Road in Stow, OH near the north east corner of route 91 (Darrow road) and Graham road.

I have been part of this established family business since 2001 where the owners of Executive Coin Company (previously at Graham and Fishcreek in the Oregon Trails

Plaza) purchased the land and built a beautiful 11,000 square foot building hence the start of their jewelry store Abshire and Haylan.

We are a full service fi ne jewelry store that offers new and estate jewelry, custom design by our award winning jeweler along with the area’s best repair and restoration work in house. We also offer pearl/bead restringing, insurance appraisals and watch repair.

We truly love our customers and appreciate the relationships we have established over the years. If you haven’t been to our store yet, we welcome the opportunity to serve you with any fi ne jewelry needs you have.

Phone: 330-689-1990 • Fax: 330-686-8455

2073 Grahma Road • P.O. Box 2252 • Stow, Ohio 44224

[email protected] • www.abshireandbaylan.com


facc member-to-Member benefi ts & discounts roster!

Abshire & Haylan330-689-1990Receive a FREE simple jewelry repair (up to $25 value)$25 value can be applied towards a higher priced repair.

Akron Racers330-376-8188Contact TODAY to receive buy one/get one free $7.00 stadium tickets to any 2015 Akron Racers Home Game.

Barbron Enterprises LLC / Preserving Memories Division 330-983-9380 10% off all media conversion orders

Cleaners to the Rescue, A division of Mature Services, Inc.330-253-4597 ext. 123Contact Penny Holvey for 10% discount on fi rst-time service. Offering private pay Home Health Aides, Homemakers and Cleaners to the Rescue - a heavy duty cleaning service.

Familyfoto330-618-2666Book your child’s High School Senior Session and get 50% off any package. Call Harvey and mention this ad.www.facebook.com/itsallaboutseniorswww.familyfotoportraits.com

Gallery of Framing/Art Gallery330-835-3046Contact Lori Drugan for a 15% discount on any custom framing project. Larger discounts may apply for those corporate projects of ten or more pieces.

Grand Living330-858-7689Refer a resident* and you both receive a $500 gift card. *Must be a new resident. Certain restrictions apply. See agent for details.

Greenview Assisted Living330-819-1150 Contact Danka to learn how to qualify for $1000 for new resident referral.

H.C. Lobalzo & Sons, Inc.330-666-6758Free travel charge on your commercial food equipment service call. A $59.00 value! Just mention FACC member-to-member benefi ts. We are authorized warranty servicers of most brands of commercial food equipment. Visit www.HCLobalzoandSons.com for a full list and pricing.

Homewatch CareGivers330-668-1500Contact Paul Bonacuse for a free in-home evaluation for care. Mention this listing and receive $10 off of 4 hours of personal care service.

In Working Order330-777-0083Contact Diane Ash for 10% discount on boxes, bubble wrap, and packing materials. Free delivery available.

Kiehl Information Technology Services330-294-1005Contact Dennis Kiehl for 5% - 10% discount on equipment, installation and/or new services.

Klein’s Medical West330-865-9000Contact Kelley Fay to receive 10% off any regular priced item in the store. Does not apply to an insurance billed product. Visit us online at www.kleinsrx.com

Learning Rx330-668-9711Contact Steve Buie to receive a FREE Cognitive Skills Assessment for one member of your family. ($149 value) Learning Rx is a one-on-one cognitive training which treats the CAUSE of the learning struggle not the symptom. Our clients range from 5 through adult.

Motovation Motivates Me330-903-0982Contact Alan D. Fortnoff for a free consultation.

Origami Owl330-723-6167Contact Denise Wigley for a 15% off your fi rst order. Schedule an Origami Owl Jewelry Bar, ear FREE product and a bonus gift. dwigley.origamiowl.com

Pinnacle Sports330-239-0616 Contact Lea Burn for a 20% discount off of the retail price of all Pinnacle Sports programs, classes and birthday parties. All you need to do is to let us know that you or your company is a member of FACC.

PrintPlus330-836-4239Contact Connie to receive 15% off the regular price of all new in-house orders.

SACS Consulting and Investigative Services, Inc.330-255-1101 ext 305In honor of SACS Consulting’s Silver Anniversary in 2015, we are offering Fairlawn Chamber members a 25% discount off any of the services we provide. Offer good through December 31, 2015. Call us and we can celebrate together!

ServiceMaster by Corbett330-864-7300Contact Carol Gumbarevic to receive a 25% discount on all regularly priced carpet, upholstery, & tile cleaning. Good for Residential or Commercial.

Sherwin Williams330-666-0362Receive 10% off all paint purchases & ask about our in-home or business color consultations.

SLG Insurance Services330-668-2417Receive a $10 gas card for a no obligation competitive quote on business or personal insurnce. If you are already an insured, receive a $10 gas card for referring a friend or colleague.

Summit Mall330-867-6997Call Heather Taylor for information on the American Express/Simon Giftcard and our bulk purchase discounts for your business! This Giftcard has no fees after purchase and doesn’t expire!”

Wigs N’ Things Boutique330-864-5251$30 off any regularly priced wig.

get

Energized! Send Us Your FACC Member-To-Member Benefi ts and Discount Offers!Does your fi rm have a benefi t or discount offer you wish to offer other FACC members? Why not send us your fi rm’s benefi t or discount offer, and we’ll include it on our FACC Member-To-Member Benefi ts and Discounts Roster!

Please complete this FACC form and mail it back to: P. O. Box 13388 Fairlawn, OH 44334

Phone at 330-777-0032 or email to: [email protected]

Company Contact/Business Name/Telephone: ___________________________

__________________________________________________________________

FACC Member-To-Member Benefi t/Discount Offer: _______________________

__________________________________________________________________

__________________________________________________________________

__________________________________________________________________

__________________________________________________________________

__________________________________________________________________

FACC Single Number 330-777-0032www.fairlawnareachamber.org

theConnection

P.O. Box 13388

Fairlawn, Ohio 44334

web: www.fairlawnareachamber.org

e-mail:[email protected]

phone/fax: 330-777-0032

PRSRT STDU.S. Postage

PAIDAkron, Ohio

Permit No. 870

• Fairlawn Area Chamber of Commerce Newsletter • Octover/November/December 2015

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FACC Gives Back to the CommunityStuff the Bus and Habitat Build Day

August 8, 2015 September 19, 2015

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