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May 2012
First National Bank of Pandora announced that it has once again been awarded a 5-Star (Superior) Rating from Bauer Financial, Inc., an independent bank rating company. Bauers 5-Star Rating, their highest performance ranking, represents an independent, unbiased analysis of a financial institutions safety and soundness position. Bauer has been analyzing and reporting the financial condition of the nations banking industry since 1983. In making the announcement, Todd Mason, First Nationals President and CEO, noted that First National Bank is proud to be recognized as one of the strongest community banks in Northwest Ohio. The Bauer rating is based on a complex analysis of financial criteria
First National Bank receives Alexander & Bebout, Inc. honored Bauers 5-star superior rating by Butler Manufacturing
including capitalization, asset quality, profitability, liquidity, and risk. The 5-Star Rating indicates that First National Bank is both financially sound and has the resources to deal with a variety of adverse economic conditions. Bauer Financial has its star-rating for every U.S. bank available free of charge at www.bauerfinancial.com. First National Bank is a wholly owned subsidiary of Pandora Bancshares (PDRB). The Bank was founded in 1919 and is a locally owned community bank with $129MM in assets. The bank has offices in Pandora, Bluffton and Findlay, Ohio. First National Bank is an Equal Housing Lender and Member FDIC. The Banks website is www.e-fnb.com. Alexander & Bebout, Inc., a Butler Builder headquartered in Van Wert, OH, was honored as the 2011 Builder of the Year for the Midwest Region of Butler Manufacturing, the world sales leader in pre-engineered metal building systems. The award was presented at the recent Butler National Sales Meeting to Tom Alexander, President, and his wife, Sylvia, Corporate Secretary. The Ohio contractor has been a Butler Builder since 1970 and has since earned numerous performance awards and related recognition from Butler. The full-service contracting company offers turnkey design/build services for both pre-engineered
Terry Blank, Butler Midwest Region Sales Manager (far left) and Dennis Hainley, Midwest Regional General Manager (far right) are shown presenting the award to Tom and Sylvia Alexander. buildings and conventional struc- Notable projects completed tures. Their primary trade area recently include the 24,000-sq.-ft. is Northwest Ohio, although Ohio State Beauty Academy for Alexander & Bebout has com- the University of Northwestern pleted projects in seven states. See HONORED, page 4A
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Colleges/ Universities Business Insurance Elder Care Credit Unions Regions Manufacturing 7A, 8A 9A, 10A 11A-13A 14A-16A 1B-8B
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The Business Journal Distributed in 13 counties... ALLEN, AUGLAIZE, DEFIANCE, HANCOCK, HARDIN, HENRY. LOGAN, MERCER, PAULDING, PUTNAM, SHELBY, VAN WERT, WOOD
Volume 21, No. 5 Publisher Donald R. Hemple Contributing Writers Jeffrey Gitomer Advertising Donald R. Hemple
The Business Journal is mailed to the top business leaders in the 11-county region of West Central Ohio. Although information is gathered from sources considered to be reliable, the accuracy and completeness of the information cannot be guaranteed. Information expressed in The Business Journal does not constitute a solicitation for the purchase or sale of any products. Copyright, The Business Journal of West Central Ohio, 2006, All rights reserved. Reproduction or use, without written permission of editorial, photographic or other graphic content in any manner is prohibited. The Business Journal is published monthly at 405 N. Main St., Delphos, OH 45833
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our Build on our our experience. Build onon experience. Build experience. our
Many local companies are happy they did. Thats because they recognized Many local companies are happy they did. the benefits of established company for every Thats because working with an the Many local companiestheyhappy they did. benefits of are recognized working they anphase the benefits of established company including Thats because withrecognized of construction,for every design/build expertise. As your local , phase an established company for every Butler Builder we offer working withof construction, including design/build phase of construction, a full-range of systemsconstruction capabilities including design/build expertise. As your local Butler Builder , we offer expertise. As your companiesBuilder we offer are happy they did. virtually Butler are companies Many local of systems construction capabilities Many local happy they did. a full-rangelocalthat combine ,efficiency, functionality, and a full-range of systems endless designthe benefits ofGive us a call today, construction capabilities Thats because they recognized they recognized the benefits of Thats because possibilities. that combine efficiency, functionality, and virtually that combine efficiency, established companyon your project. every functionality, an virtually every working with an and put withandestablished working us Give us for today, endless design possibilities.to work a callcompany for endless design possibilities. Give us a call today, including design/build phase of construction, of construction, phase including design/build and put us to work on your your local and put us to work on your project. project. Butler Builder we offer expertise. As expertise. As your local Butler Builder , we offer Contact us at 1-855-BUILD-86 , a visit a full-range of systems construction capabilities capabilities orfull-range of systems construction Contact us at 1-855-BUILD-86 us on the web. Contact us at 1-855-BUILD-86
that combine efficiency, functionality, that combine efficiency, functionality, and virtually and virtually or visit us on us on the web. the web. endless design possibilities. Give us a call today, or visit
2011 BlueScope Buildings North 2011 BlueScope Buildings North America, Inc. Allis a division of America, Inc. All rights reserved. Butler Manufacturing rights reserved. Butler Manufacturing is a division of BlueScope Buildings North America, Inc. BlueScope Buildings North America, Inc.
2011 BlueScope Buildings North America, Inc. All rights reserved. Butler Manufacturing is a division of BlueScope Buildings North America, Inc.
2011 BlueScope Buildings North America, Inc. All rights reserved. Butler Manufacturing is a division of BlueScope Buildings North America, Inc.
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Ask yourself WHY Will this help me double to get to the truth. my sales? Why was my call not Will this help me build betreturned? ter relationships? Why did they cancel my Will this help me become appointment? better known? Why did they delete my Will this make me be peremail? ceived as a person of value? Why did they not re Will this help me build my spond to my email? reputation? Why did they say, Not Will this help me build my interested? sales and personal develop Why did they say, ment skills? Were happy with our Work on these elements of present supplier? your sales and business life: Why cant I set an ap Message leaving. Are your pointment? messages in any way impact Why cant I get through ing your standing and status to the decision maker? with the customer? Is there Jeffrey Why are they meeting an ounce of value or creativwith other vendors or ity, or are you just begging Gitomer suppliers? for some news about the pro Why did they take the posal you sent (and calling lowest bid? that a follow-up)? Why did they buy from the competition? Be available. Your prospect will call you Why did they tell me that my price is too when they are free. This may be before or high? after business hours. Why are you blaming others (especially Be easy to do business with. Customers customers) for your inability to attract, enwant everything NOW! gage, connect, and create value that leads Leave value messages. Something short to a sale? and sweet that they can use. One of the weakest and least exposed Study creativity. Your competitive advanshortcomings of salespeople is how they tage is to be perceived as different. Read a use time. If youre allocating too much book on creativity as a starting point. time to watching TV, or other nonsense Be more friendly than professional. Sales activities, youre wasting valuable careeris a profession, but salespeople (you) must building opportunities. be perceived as friendly. Whatever youre doing with your non- Build your business social media presbusiness, non-family time, ask yourself ence. Are you tweeting value messages? these reality questions: Interacting with customers one-on-one on your business Facebook page? Looking to make new connections on LinkedIn? Creating a YouTube channel with customer testimonial videos? Or are you watching the 6-oclock news? Use meals to build relationships. Youll be amazed how much more available customers become once you get to know them personally. Breakfast or lunch prospects and customers at least three times a week. SIMPLE SELF-EVIDENT FACT: If AIP offers a full range of you want customer response, you have to services EARN it.
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Jeffrey Gitomer is the author of The Sales Bible, Customer Satisfaction is Worthless Customer Loyalty is Priceless, The Little Red Book of Selling, The Little Red Book of Sales Answers, The Little Black Book of Connections, The Little Gold Book of YES! Attitude, The Little Green Book of Getting Your Way, The Little Platinum Book of Cha-Ching, The Little Teal Book of Trust, The Little Book of Leadership, and Social BOOM! His website, www. gitomer.com, will lead you to more information about training and seminars, or email him personally at salesman@gitomer.com. 2012 All Rights Reserved. Dont even think about reproducing this document without written permission from Jeffrey H. Gitomer and Buy Gitomer. 704/333-1112
Colleges/Universities
executive director and architect. Reported 2010 median salaries for these careers were: Elementary School Teacher _ $43,564 High School Teacher _ $51,350 Architect (excluding landscape and naval) _ $58,260 Executive Director, Nonprofit Organization _ $63,478 Physician Assistant _ $74,471 Human Resources Director _ $75,394 Senior Software Engineer/Developer/ Programmer _ $92,967
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Community Banking Architectural Firms Elder Care Special Report: Regions Hospitals
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According to research, those businesses seeking the advantages of being perceived as having greater resources, being a leader and being more experienced should utilize the strategy of larger, more colorful, more frequent advertising. 8A TheBusinessJournal May 2012
Business Insurance
are simply false, you will be more secure in your decision to purchase insurance and value insurance as an investment in your business. There are other myths that I have run into over the years; but, to summarize, I have yet to find a business owner with a cognizable reason for not having insurance. Your business needs to be insured.
Living the Rotary motto: Living the Rotary motto: The insurance industries are developing Service aboveself Service above self financial institutions in the market. Insurance sector play a vital role in the social and economic development. It will be reducing the uncertainties and improving the financial resources. There are two important channels which are helping the insurance sector for the economic and social development. Those channels are reducing uncertainties and pooling the long term financial resources. Reducing Uncertainties: Insurance sector is provides the financial support in unexpected and sudden situations (Such as floods, fire accidents, and earthquakes.) in businesses Jane Birckhead, CPCU and human life. Executive Vice President Generating long term financial resources: Trustee - Stepping Stones Center Generating financial long term resources Life Home Auto Business Income play an important role in economic role. In insurance industry, funds are generated by Life Home Auto Hazlett Income Hukill Business premiums. These funds are invested in finanHarrington Agency, Inc. cial instruments (government securities and stock). And the financial instruments generInsurance Since 1838 ate the long term financial resources. 513-793-1190 Insurance industries affect economic FAX:Insurance Since 1838 513-795-5730 Cell: 513-479-1193 growth by the channels of marginal produc513-793-1190Email:Direct513-793-5730 Cell: 513-479-1193 FAX: Line: 513-619-4621 jbirckhead@hhhinsurance.com tivity of capital, technological innovations Direct Line: 513-619-4621 www.hhhinsurance.com and saving rate. Email: jbirckhead@hhhinsurance
The importance Serving the Corporate Serving the Corporate of insurance sector for the and Personal Community and Personal Community Youve economic development for Over 30 Years For Over 30 Years. years
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Direct Depositing Check Printing Tax Depositing Quarterly Payroll Reports Year End Reconciliation W2s & 1099s
12699 (10-11)
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Elder Care
social worker, hospital staff or nursing home staff. Were available all the seasons of your life. Support your local county agency. If you would like more information about the programs offered by Putnam County HomeCare & Hospice, call 419523-4449 or visit www.pchh.net.
If you or a loved one are in need of home care or hospice services, remember that you have a choice of which agency will provide the care. It is a personal decision that only you can make and it is guaranteed by Federal and State Laws. If you are not given a choice, ask for it. Request Putnam County HomeCare & Hospice to your family physician, specialist,
Protecting
Communal living
Hospice
The philosophy of Putnam County Hospice is the belief that dying is an integral part of living. Hospice affirms life and neither hastens death nor prolongs life. It allows one to live each day fully and as alert and pain free as possible. Putnam County Hospice provides emotional, physical, spiritual and social support to the patient and their family throughout the process of both illness and bereavement. Family members are encouraged to be actively involved in their loved ones care.
Hospice treats the person, not the disease
Palliative Care
Palliative Care is a medical care that focuses on pain and symptom management for patients with life altering illnesses. The goal of palliative care is to prevent and relieve suffering and to support the best quality of life for patients and their families. Palliative Care is centered on the patients physical, emotional, social and spiritual care. Palliative Care is appropriate at any age and at any stage of an illness, and it can be provided along with treatments that are meant to cure.
The Relief You Need When Youre Experiencing the Symptoms of Serious Illness
If you are facing a life altering illness or faced with the difficult decision about end of life care, Putnam County Home Care, Hospice & Palliative Care may be the answer for you.
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Some say the 60s hippies are going back to the commune. Others call the growing number of female Baby Boomers rooming together The Golden Girls phenomenon. Author Martha Nelson, who at 65 is on the leading edge of a tsunami of retiring Boomers, says its really all about choosing the company of friends. As a group, weve been empowered more than past generations of women, says Nelson, whose debut novel, Black Chokeberry (www.BlackChokeberryTheBook.com), is the story of three disparate older women who unexpectedly end up sharing a home. Were more worldly, stronger, financially savvy and healthier than our ancestors through no fault of their own and we know what we want. Increasingly, what they want is to actively age with the camaraderie, laughter, understanding and support of other women who share their ideas of healthy lifestyles, good food from their own gardens, green living, and myriad activities on a moments notice. In 2010, 480,000 Baby Boom women lived with a least one unrelated female, according to an AARP analysis. The growing number of U.S. HomeShare programs, which help connect people interested in sharing a house, say their numbers have been steadily rising since the economy bellyflopped. This concept is really trending on the East and West Coasts and is very big in Europe, says Ryan Cowmeadow, vice president of the National Shared Housing Resource Center, an all-volunteer clearinghouse of HomeShare programs. Our numbers are up about 15 percent since 2007, and about 75 percent of applicants are female, he says. Were hoping to see a real surge with the Boomers entering retirement age now. Theyre the ones who didnt take no for an answer. Home-sharing just makes sense. Nelson notes that there are several reasons why women more than men are gravitating to communal living as an alternative lifestyle. Women typically live longer than men, and men are more likely to remarry quickly after a divorce or the death of a spouse, she says. See COMMUNAL, page 13A
Communal
(Continued from page 12A) And fundamentally I think its as much about the special bonds women share. We form these wonderful, supportive, tell the truth friendships, which survive the demands of husbands, children and careers. Whether living alone or with a spouse or partner, women cling to their friendships. When a woman considers living alone as she ages, its a natural progression to seek the company of her best friends. Thats what happened to Nelson, a former journalist and educator, whose long marriage ended in divorce when she was in her 50s. In regaining her balance as a single woman, she sought time alone to heal, then turned to her trusted friends as she stepped back into life. Her happiest moments came from long conversations over coffee, laughter over meals and movies, and, occasionally, indulgent tears she felt safe to shed. I came to fully understand the importance of women friends in my life, she says. They are the gold standard and as we age, they are critical to happiness, regardless if one is married or in a committed relationship. The movement for cohousing where residents have private living spaces but share common areas, such as dining rooms, and tasks, such as cooking started in Denmark and is catching on in the United States. There are model programs in Boulder, Colo., and other communities, including three cohousing projects being planned in the greater Nashville area, where Nelson lives. Practical considerations of creating close living communities include health and safety, care in times of an accident or medical emergency, and saving money, a concern for many women who find themselves single or widowed after long marriages, Nelson says. But Boomers are renowned for demanding more than creature comforts from life, she adds. We want to be happy; were healthy, active and we want to enjoy ourselves as we age. We want to travel, go to a movie with a neighbor or housemate, cook a meal, share a garden, and feel that we are contributing to our communities. What started with Rosie the Riveter has brought us to this, says Nelson who is happily married again, but fascinated by the new movement of cohousing. Were strong women and we can choose to live the way we want as we get older. Very often, that will mean with other women in close knit communities.
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Credit Unions
provides loans in which the person or small business makes repayments, then those repaid funds are available for new loans to other businesses, the money revolving from one person to another. In this manner, entrepreneurs form financial independence and eligibility for commercial bank loans. Control and Management Members have full democratic control of the credit unions. They participate in regular and special membership meetings, with every person entitled to one vote regardless of the number of owned shares and with no member allowed to vote by proxy. Members elect the board of directors, whose main responsibility lies with directing and controlling of the credit union and providing efficient management of operations. The board of directors has the authority to set loan limits and interest rates within the statutory limits of the NCUA rules and regulations, with the full disclosure of finance charges in compliance with the Truth in Lending Act: a regulation to promote informed uses of consumer credit by requiring the disclosure of terms and costs, according to the Federal Deposit Insurance Corporation.
of construction activity, dipped during last years fourth quarter, setting the stage for the declines in construction employment now being observed. This employment report differed from the prior three months because employment growth was disappointing for the broader economy as well, Basu said. The consensus coming into todays release was the nation would have added approximately 200,000 jobs in March, which did not happen. Some attribute the disappointing March report to abnormally warm weather across the nation, which caused Februarys employment to be artificially high. However, one month does not make a trend and other data remain upbeat, including consumer activity and overall economic momentum. Economists and others will be looking for signs of improvement in labor market dynamics in April, Basu said.
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However, inputs into nonresidential construction are up 4 percent for the year, which is cause for concern, Basu said. Given lingering excess capacity among the contracting community and a general lack of pricing power, the increase in input prices during the past year likely has been enough to squeeze profit margins further for contractors. In addition, recent months have generally seen less vigorous increases in materials prices, which is a reflection of many factors, including a weak construction spending recovery in the United States. Perhaps the biggest surprise in this months report was the sharp decline in crude energy prices, Basu said. Analysts have been predicting for months that oil and other energy prices are set to surge, in part because of geopolitics. But that did not occur in March, creating a source of relief for an industry that uses substantial amounts of diesel fuel to transport materials, in addition to using many other forms of energy throughout the construction process.
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