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The SBA Encourages You to “Shop Small” this Season
As the voice for our nation’s entrepreneurs, the U.S. Small Business Administration (SBA) celebrates all small businesses on a daily basis. When our small businesses do well, our communities do, too. Therefore, as part of our annual tradition, I encourage you to join millions of Americans and “shop small” on Small Business Saturday, Nov. 25, […]
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As the voice for our nation’s entrepreneurs, the U.S. Small Business Administration (SBA) celebrates all small businesses on a daily basis. When our small businesses do well, our communities do, too. Therefore, as part of our annual tradition, I encourage you to join millions of Americans and “shop small” on Small Business Saturday, Nov. 25, to complete your holiday shopping. Or, to start your holiday shopping, as the case may be.
On the heels of Black Friday, shopping small is a concrete way to support small retailers — the same businesses that generate two of every three net new jobs, and deliver essential goods and services to America’s communities 365 days a year.
Last year, 112 million consumers were “shopping small” on Saturday, spending more than $15.4 billion. Surveys show that 72 percent of consumers said Small Business Saturday inspires them to “shop small” throughout the year and not just for the holidays. In addition, 66 percent of consumers state the main reason they support small businesses is because of their contributions to the local community.
You can do your part with these five simple steps:
• If you are a small-business owner, make sure you’re prepared for the holiday shopping season by checking out helpful advice at: www.sba.gov/saturday.
• If you’re a customer, commit to making at least one purchase from a locally-owned small-business retailer. Get to know the owner, and make your gift more meaningful by sharing his/her story as part of what you give your loved ones.
• Enjoy the experience. Travel outside your comfort zone — and away from your computer screen — to discover an out-of-the ordinary shopping district with some trendy local stores.
• Take part in Small Business Saturday on social media, using the hashtag #ShopSmall to amplify your support. If you find a great small-business retailer with unique products, Tweet or Facebook your find so others can enjoy it too.
• When you open your gifts, start a conversation about which one came from the most distinctive and creative sellers. This can make for great debate over eggnog, or your holiday drink of choice.
I know I’ll be shopping small with my friends and family on Nov. 25. I encourage you to do the same — and remember that “shop small” refers to whom you buy from, and not how much you buy.
Bernard Paprocki is district director for the U.S. Small Business Administration’s Syracuse district office. He is responsible for the delivery of SBA’s financial programs and business development services for a 34-county region in upstate New York.
It’s all about using your head There are plenty of people in the workforce that do “something,” but not so many who do what needs to be done. And this is both a problem and an opportunity. Success depends on being among the few people that others count on to get the job done right —
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It’s all about using your head
There are plenty of people in the workforce that do “something,” but not so many who do what needs to be done. And this is both a problem and an opportunity.
Success depends on being among the few people that others count on to get the job done right — and that takes thinking. Here are questions that can serve as a guide to thinking your way to success.
“What if this isn’t what my customer needs?”
What if I’m trying to force it, attempting to make it work — and it isn’t? Most of us tend to push forward as fast as we can to come up with a solution. Kids often compete to be the first in the class to raise their hand when the teacher asks a question. And it’s often the wrong answer, but they do it again the next day. The goal should not be to come up with any answer; it should be to come up with the right one. Slow down; it takes thought.
“What if I put it aside and revisit it tomorrow?”
You need to write a letter, memo, or article, but the clock is ticking and you can’t get it started. You hate the assignment, your boss, yourself, or all three. You tell yourself to keep a low profile so it won’t happen again.
The goal is not to wrestle the task to the mat or do battle with it; it’s to do your best work. That takes “noodling,” putting it aside and letting your brain work on it for a day or so. It’s amazing what happens when you let your brain work on it.
“What if I asked them for their thoughts and ideas?”
The heart of marketing and sales is problem-solving. They also demand a “bring it on” attitude to be successful — and that can be a problem because it blocks other views and ideas. Asking what others think is an effective way to test your idea, plan, or confirm the appropriateness of your solution. It gives you something to think about.
“What if I offered several options instead of just one?”
This may seem dangerous, but it’s as threatening as putting people in a “yes or no” position — and “no” is easier to say than “yes.” Offering several options creates a new dynamic where there’s room for give-and-take. It makes it possible to come to a positive decision.
“What if I don’t have all the information I need to make the right recommendation?”
Recently, an older woman, a widow, living in a condo community was seen accompanied by a man on several occasions. After a couple of “sightings,” the rumor spread with brush-fire intensity that she had a boyfriend. A few weeks went by and someone said, “That was her brother who was visiting her from Europe.”
We call them snap-judgments, conclusions made on the fly that get things moving, more often than not, incorrectly. Taking time to figure out what we’re missing separates us from those who are satisfied with just getting by. Coming up with the best recommendation gets noticed.
“What if I tried something new?”
It’s easy to get used to doing things a certain way and tune-out anything that forces us to break existing patterns.
It’s effortless to stick with the same solutions, repeat the same concepts, and fall back on the same products and services. If what we do today is a constant replay of the past, we contribute little or nothing to help meet the challenges affecting our customers, our industry, and the company where we’re employed.
“What if I became a go-to person?”
“Staying under the radar” helps avoid getting noticed and causes less stress. It’s also a good way to be passed over or be added to the “no longer needed” list.
Anyone who wants to advance thinks differently. Getting known for innovative ideas, changing the ways of doing things, or specialized expertise attracts attention and gets you noticed for your value. It’s how thinking different is a game changer.
“What if I asked more questions?”
It’s irritating if someone asks too many questions in a meeting. That can drag things out. Socrates probably encountered that problem with his students. Even so, not asking questions is a huge mistake. Questions clarify issues and uncover valuable information, fill in the gaps, and help avoid making mistakes. Questions indicate that someone is thinking about something other than looking at his smartphone.
“What if I came up with an idea that helped make my company be more competitive?”
It goes without saying that most of us are willing, even eager, to invest time and thought in figuring out ways to make ourselves look good, get attention, and advance our careers. Few would argue with such a strategy for getting ahead. If we do a better job, then we deserve to advance.
But, for some, that’s not enough. Their thinking is different. While they may work to advance themselves, they are also committed to finding ways to advance their employer. They’re alert for ways to make it more competitive, to give it an extra edge. In the end, ultimate success, depends on both.
If you’re satisfied with what you’re doing, that’s OK. If not, think about asking yourself the questions that let you think your way to success.
John Graham of GrahamComm is a marketing and sales strategy consultant and business writer. He is the creator of “Magnet Marketing,” and publishes a free monthly eBulletin, “No Nonsense Marketing & Sales Ideas.” Contact him at jgraham@grahamcomm.com, (617) 774-9759 or johnrgraham.com
EBS partners with Delaware firm to offer its services in 4 more states
EAST SYRACUSE, N.Y. — Employee Benefit Systems, Inc. (EBS), a 25-year-old third-party administration (TPA) firm based in East Syracuse, recently announced it has partnered with Mid Atlantic Retirement Planning Specialists of Dover, Delaware. EBS calls it “a collaborative arrangement to offer a wider range of financial products and services in five states.” EBS — founded
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EAST SYRACUSE, N.Y. — Employee Benefit Systems, Inc. (EBS), a 25-year-old third-party administration (TPA) firm based in East Syracuse, recently announced it has partnered with Mid Atlantic Retirement Planning Specialists of Dover, Delaware.
EBS calls it “a collaborative arrangement to offer a wider range of financial products and services in five states.”
EBS — founded by Jeffry Berman, its president, in 1992 — offers TPA and financial services to small businesses in a large region of upstate New York. EBS is the parent company of ebs financial group and ebs financial planning, and is staffed by certified financial planners. Its offices are currently located at 6511 Basile Road in East Syracuse.
Mid Atlantic Retirement Planning has offices in Delaware, Maryland, New Jersey, and Pennsylvania.
Through the collaboration, which went into effect on July 1, a dozen financial professionals in the five states will oversee millions in assets under management, providing independent retirement, investment, and tax planning services across the East Coast, according to an EBS news release.
EBS and Mid Atlantic also agreed to transfer their broker/dealer relationships under the management of Kestra Investment Services, LLC, the number 10 independent broker-dealer in the U.S., ranked by gross revenue, according to the magazine Investment Advisor and its 2016 Broker-Dealer Investment Guide.
Each firm will maintain its individual ownership, sharing services and staff for “greater breadth, stability, and expertise in managing client investments,” per the release.
“Our 25th year is a perfect time to merge assets and grow,” Berman said. “We’re looking to the future as we move to Kestra, creating one large branch with many more options for our clients.”
“Jeffry Berman is a successful, Syracuse small business owner embracing expansion for his company by joining with an established, multi-state financial services firm based in Delaware,” added Janelle Fields, president of JFields Marketing LLC, which is providing marketing and PR services to EBS.
Bellevue Country Club’s Aloi named to PGA board of directors
Steve Aloi, PGA head professional at Bellevue Country Club in Syracuse, has been named to the PGA (Professional Golfers’ Association) of America board of directors as district 4 director. He was elected to the board at the 101st PGA annual meeting, in Austin, Texas. Aloi will serve a three-year term, representing the Central New York,
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Steve Aloi, PGA head professional at Bellevue Country Club in Syracuse, has been named to the PGA (Professional Golfers’ Association) of America board of directors as district 4 director. He was elected to the board at the 101st PGA annual meeting, in Austin, Texas.
Aloi will serve a three-year term, representing the Central New York, Tri-State, and Western New York PGA sections, according to a PGA news release.
A PGA member since 1989, Aloi is now in his 27th year at Bellevue Country Club. He served on the CNY PGA section board of directors for 13 years. Aloi became a section officer in 2006, and served as section president from 2010-2012, per the release.
In 2003, Aloi was recognized by his peers as the CNY PGA Merchandiser of the Year. In 2008, he was named the CNY PGA Professional of the Year.
“It means everything to me to become a member of the PGA Board of Directors,” Aloi said in the release. “I spent most of my career serving my fellow PGA Members on the Section level, and look forward to serving on the national level, as well. If we can make the lives of our members better, then all the better.”
Born in Cortland, Aloi moved to North Carolina during his childhood. He attended Wake Technical Institute and North Carolina State University, before returning to his roots in New York in 1983.
Welcoming Change to My CNYREDC Role
In 2011, I had the privilege of being asked by Governor Andrew Cuomo to co-chair the Central New York Regional Economic Development Council (CNYREDC) when the councils were first created to provide strategic direction to our region’s economic-development efforts. I am extremely honored to have been given the opportunity to serve in this capacity, and
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In 2011, I had the privilege of being asked by Governor Andrew Cuomo to co-chair the Central New York Regional Economic Development Council (CNYREDC) when the councils were first created to provide strategic direction to our region’s economic-development efforts.
I am extremely honored to have been given the opportunity to serve in this capacity, and proud of what we have accomplished. However, as with all things, change is both necessary and constructive and it is time for a new leader with new ideas, and a fresh approach. Therefore, at the end of this year I will step down from this appointed position.
I am encouraged and excited that Randy Wolken, president and CEO of the Manufacturers Association of Central New York (MACNY), has been selected to take on this important role. His knowledge, experience, and perspectives will serve our region and community well as we continue to pursue state investments for key projects. I will continue to serve as a member of the council. Dr. Danielle Laraque-Arena will remain as council co-chair and I have every confidence in her ability to continue the work we’ve started. She is an energetic and thoughtful advocate, deeply engaged with our own organization, who is poised and ready to build on our efforts to bring jobs, investment, and continued revitalization to our region. Alongside the other council members, we remain steadfast and focused on driving impact for this community through planning, research and collaboration.
I am deeply proud of this region’s track record. Over six rounds, Central New York has received more investment than any other region in the state. All told, including $500 million through the Upstate Revitalization Initiative (URI), the region has been awarded nearly a billion dollars to support more than 475 local projects designed to grow jobs and strengthen companies. This level of investment is truly unprecedented, not just in New York State but across the country. It is a true testament to our vision, and the Governor’s commitment to investing in upstate New York. The strategies and approaches we brought to the table have been adopted and amplified by the state including, Global NY, opportunity agendas, Hot Spots, government modernization and, of course, our ability to lead the advancement of the unmanned aerial systems sector. Most importantly, we will continue to pursue the bold vision we outlined in the URI.
As we look to the future, CenterState CEO will continue to play a role shaping the projects that drive economic opportunities for our community. As a member of the council I will be in a position to advocate on behalf of our members and projects that we feel align with our region’s assets and strategies. I look forward to continuing the progress we have started and supporting Randy as he takes on this new role for our entire region.
Robert M. (Rob) Simpson is president and CEO of CenterState CEO, the primary economic-development organization for Central New York. This viewpoint is drawn and edited from the “CEO Focus” email newsletter that the organization sent to members on Oct. 19.
The Importance of Generating 3 Percent GDP Growth
Our U.S. Gross Domestic Product (GDP) grew 3 percent or more in each of the last two quarters. “So, what, who cares?” — some will say. Many people react this way when they see GDP figures. They scorn the attention people give to them. “Who cares? Doesn’t affect me. 2 percent GDP or 3 percent
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Our U.S. Gross Domestic Product (GDP) grew 3 percent or more in each of the last two quarters. “So, what, who cares?” — some will say.
Many people react this way when they see GDP figures. They scorn the attention people give to them. “Who cares? Doesn’t affect me. 2 percent GDP or 3 percent GDP. What’s the big deal? It’s only a 1 percent difference.”
I answer that GDP is similar to your temperature. If your temperature is up a degree, we know something is going on in your body. Something more than the ordinary.
GDP is a measure of what the country produces. The products all of us churn out. The services as well.
Economists measure your economy in a hundred additional ways. They split hairs over this figure and ponder that trend.
Doctors do the same with your vital signs. They split hairs over your blood and urine samples and imaging.
Through all their tests, readings, and ponderings, docs keep an eye on your temperature.
Through all the tests, readings, and ponderings, economists keep an eye on your GDP.
“Yeah, but GDP going up only means big companies are making more money. And the rich are getting richer. I’m on a salary. It doesn’t affect me,” some may say.
It does affect you. Here is how GDP does affect most everyone.
When GDP increases, the economy creates more jobs. More jobs obviously mean more people go to work. More people working is good for the health of the country. Good for the morale of the country. And good for the government coffers.
When more people work, government collects more taxes — because those workers pay taxes. What does government do with that extra money? It ends up funding more programs. It is more likely to fix your highways sooner. It’s more likely to add to its many programs that help your schools. And help your state. And help your city.
It is also more likely to lower your taxes. Or less likely to raise them. Because the rising GDP has given the government more money to play with.
Maybe you love environmental programs. Maybe you love welfare programs. Or more ships in our navy. Whatever your favorite government program is, a rising GDP is likely to help that program.
This is true even when politicians take the knife to programs. The cuts they make are likely to be smaller if the money flowing into government is growing. Which it will be when GDP is growing at a faster pace.
The GDP has been in the news lately. That is because it has grown at a 3 percent clip or higher in the last couple quarters. This is a faster growth rate than during President Obama’s two terms.
President Obama’s defenders argued that the slow rate did not matter. It did. Because the low growth rate reduced the flow of tax money into government, this forced Washington to borrow even more to pay its bills.
Did Obama’s economic policies cause the low GDP numbers?
Well, Obama did add a lot of taxes and regulations. Such moves rarely stimulate economies. And the timing was not good. The economy was trying to recover from a major recession. It did not need more taxes and regulations at that point.
Have President Trump’s policies spurred the quicker GDP growth?
Well, Trump has slashed the number of regulations. And proposed tax-rate cuts and the elimination of some taxes, pending Congressional action. Such measures usually stimulate economies.
A few robins don’t a summer make. Any more than two quarters of 3 percent GDP growth make for a huge expansion.
However, any expansion is encouraging. A lot of economists scoffed at the possibility of 3 percent and even 4 percent growth. But many of them were all wet over the Obama policies. They promised rapid growth that never came in the Obama years. They prompted Joe Biden to boldly promise the Summer of Recovery. Right.
Set aside your political preferences. Don’t worry about who gets the credit. Be thankful whenever you see the GDP expand at 3 percent or higher.
From Tom…as in Morgan.
Tom Morgan writes about political, financial, and other subjects from his home near Oneonta. You can write to Tom at tomasinmorgan@yahoo.com. You can read more of his writing at tomasinmorgan.com
When Watching the Debate on Taxes, Remember the Debt
As Republicans in Congress move forward on their tax plan, it’s worth remembering one thing: whatever the legislative particulars, keep your eye on the plan’s impact on the federal debt. Our debt load is already worrisome (the U.S. national debt is now about $20.5 trillion). It’s almost certainly going to get worse. At some point,
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As Republicans in Congress move forward on their tax plan, it’s worth remembering one thing: whatever the legislative particulars, keep your eye on the plan’s impact on the federal debt. Our debt load is already worrisome (the U.S. national debt is now about $20.5 trillion). It’s almost certainly going to get worse.
At some point, this will become unsustainable — we just don’t know exactly when. One common measure of the debt problem is to compare the total federal debt to our gross domestic product (GDP). This basically measures whether a country’s economy is healthy enough to carry its debt burden. When Presidents Carter and Reagan were speaking out against the dangers of our large national debt, it stood at about 30 percent of GDP. Today, it is at 105 percent.
As the debt grows larger, it weighs more heavily on economic growth, crowds out private investment, creates economic uncertainty, dumps a burden on our children, and limits our ability as a nation to deal with unforeseen events. How we handle it will have a profound impact on our future and our role in the world.
The problem is that regardless of what our political leaders say about deficits and debt, their actions tend to belie their words: they continue expensive federal programs and lavish tax breaks on favored constituencies without regard to the long-term fiscal impact. I’ve come to believe that deficits will likely continue — with increasing debt — until some financial crisis focuses our attention on the serious imbalance between our taxes and spending.
Which brings us to the current move for tax “reform.” Tax reform can have several meritorious goals, including establishing a more equitable tax system, encouraging economic growth, and imposing fiscal restraint. What I don’t see in the current debate is much more than lip service to any of these goals.
What always worries me about tax debate on Capitol Hill is that it begins with a lot of talk about reform, and usually ends with a lot of talk about tax cuts. This isn’t surprising. Tax cuts are popular. Tax reform, which helps some people and hurts others, is politically treacherous.
So, as you watch the debate on Capitol Hill, use your judgment. Tax cuts can often help the economy, but not if they balloon budget deficits and the national debt. If that happens, they’ll eventually end up lowering growth and slowing the economy.
Lee Hamilton is a senior advisor for the Indiana University (IU) Center on Representative Government, distinguished scholar at the IU School of Global and International Studies, and professor of practice at the IU School of Public and Environmental Affairs. Hamilton, a Democrat, was a member of the U.S. House of Representatives for 34 years, representing a district in south central Indiana.
Tompkins County administrator to retire on Nov. 30
ITHACA — Tompkins County Administrator Joe Mareane announced on Nov. 13 that he has taken a medical leave from the county and has moved up his planned retirement by two months. Mareane in July had announced his plan to retire on Feb. 1, 2018. But now, to focus on his recovery, he has advised Tompkins
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ITHACA — Tompkins County Administrator Joe Mareane announced on Nov. 13 that he has taken a medical leave from the county and has moved up his planned retirement by two months.
Mareane in July had announced his plan to retire on Feb. 1, 2018. But now, to focus on his recovery, he has advised Tompkins County Legislature Chair Michael Lane of his intent to “accelerate” his retirement date to Nov. 30, according to a news release from Lane.
Mareane has served as Tompkins County administrator since leaving his position as Onondaga County’s chief fiscal officer in October 2008.
Tompkins County Deputy Administrator Paula Younger will serve as interim administrator pending the selection of a replacement for Mareane — a process that’s underway, per the county. Younger has been the county’s deputy administrator for the past 11 years.
Pinckney Hugo Group has hired LAUREN SWENSON as an assistant account manager, and ALEX SZELEWSKI as a junior digital designer. Prior to joining Pinckney Hugo Group, Swenson gained experience as a brand activation manager and sales representative at Anheuser-Busch. She has a bachelor’s degree in communication studies from The College at Brockport, State University of
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Pinckney Hugo Group has hired LAUREN SWENSON as an assistant account manager, and ALEX SZELEWSKI as a junior digital designer. Prior to joining Pinckney Hugo Group, Swenson gained experience as a brand activation manager and sales representative at Anheuser-Busch. She has a bachelor’s degree in communication studies from The College at Brockport, State University of New York. Szelewski has a master’s degree in advertising from the S.I. Newhouse School of Public Communications at Syracuse University and a bachelor’s degree from Binghamton University.
MARK DEDRICK has joined Keystone Associates Architects, Engineers and Surveyors, LLC as a code analysis official in the architectural department. He is a building code and construction professional with more than 40 years of experience in a variety of industry functions. He has collaborated with local, state, and international agencies to develop building and fire
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MARK DEDRICK has joined Keystone Associates Architects, Engineers and Surveyors, LLC as a code analysis official in the architectural department. He is a building code and construction professional with more than 40 years of experience in a variety of industry functions. He has collaborated with local, state, and international agencies to develop building and fire codes, and managed building and fire code inspectors for local municipalities. Dedrick is a graduate of SUNY Delhi and has taught building codes and standards classes at SUNY Broome as well as for the New York State Department of Homeland Security.
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