BusinessJournal

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Intern e Inc.
West Net
by North Call
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1-800-8 office at
January 2011 OF WEST CENTRAL OHIO our
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Beltone Bluetooth-Compatible Allied Environmental Services, Inc.

Hearing Aid Wins Consumer Expands Hazardous Waste
Electronics Show Innovation Award Allied Environmental Ser-
vices, Inc. (Allied) recently an-
include collection, transport, and
recycling of hazardous materi-
Beltone Hearing Center First in Toledo/Ohio nounced that it is expanding its als, laboratory chemicals, spent
To Offer Hearing Aids with New Wireless Technology environmental consulting and photographic and x-ray develop-
contracting services to include ing solutions, radioactive mate-
Daniel B. Fletcher announced that Beltone Electronics has received management and recycling of rials, and universal wastes.
the prestigious International CES Innovations 2011 Design and Engi- hazardous materials and uni- To help develop the new ser-
neering Award for the Beltone True™. The new generation of virtually versal waste products. Allied vices, Allied hired senior chem-
invisible Bluetooth-compatible hearing instruments is among the first has been providing professional ist and hazardous waste special-
to wirelessly receive sound directly from TV, cell/home phone, stereo, waste management, emergency ist Noah McManus in November.
PC and iPod via a 2.4 GHz signal. spill response, industrial main- Mr. McManus has over 15 years
The Beltone True is different than other hearing aids because it tenance, environmental site as- experience managing hazardous
allows hearing-impaired users to comfortably converse with those sessment, and asbestos abate- materials and is an expert in waste
nearby, while still listening to music or watching their favorite TV ment services for over 23 years. characterization. “I’m very ex-
program. It also offers extraordinary sound quality and eliminates the The Lima-based company is cited to be spearheading Allied’s
embarrassing high-pitched whistling of past hearing instruments. now expanding its capabilities to See ALLIED, page 4
“We are thrilled to be among the first in the nation to offer our
customers this award-winning hearing aid just in time for the holiday
season,” says Daniel B. Fletcher. “What makes this revolutionary new
SMS proTECH Partners with New Horizons
hearing instrument so unique is that it allows our customers to connect
directly to their cell phones, TVs and computers by creating a personal Computer Learning Centers
See BELTONE, page 11 Sidney, OH – SMS proTECH is pleased to “We feel SMS proTECH is a great fit to our orga-
announce a partnership with New Horizons nization,” said James Cox, General Manager at New
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new path for both Information Technology compa- with major technology companies such as Cisco,
nies and reflects a desire to provide the goods and Microsoft, and Citrix; and we realized they have the
services their customers require. same dedication and commitment to their customers as
“It is an honor for SMS proTECH to accept the we do to ours.”
invitation from New Horizons to form a partner- SMS proTECH will be able to purchase and sched-
ship,” said Jeff Boate, Divisional President at SMS ule classroom and virtual live training for their custom-
proTECH. “We value the professional certification ers through New Horizons. In addition, the partnership
and accelerated career skills that New Horizons will allow for customized learning that can be tailored
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Nonresidential Construction Spending Down in October
“There are plenty of forecasters who
believe that private construction starts will
emerge in time to fill the void created by the
end of stimulus, but the recovery of private-
ly financed construction has yet to become
apparent.” - ABC Chief Economist Anirban
Basu
Summary
In what appears to be a trend in the na-
tion’s ailing economy, private nonresidential
construction spending slipped 0.7 percent
in October, and is down 20.7 percent from
a year ago, according to the Dec. 1 report
by the U.S. Census Bureau. Total nonresi-
dential construction - which includes both
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2 TheBusinessJournal January 2011
privately and publicly financed construction
- was down 0.1 percent compared to Sep-
tember and down 9.9 percent from October
2009. Nonresidential construction spending
totaled $562 billion in October on a season-
ally adjusted annual rate basis.
The largest decreases in monthly con-
struction spending were in manufacturing,
down 5.7 percent; lodging, down 5.1 per-
cent; office, down 4.8 percent; and transpor-
tation, down by 4.4 percent. Of the 11 sub-
sectors experiencing negative growth from
the same time last year, lodging is down
49.7 percent; manufacturing is down 36.6
percent; and office is down 26.1 percent.
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In contrast, six of the 16 nonresidential
construction sectors registered spending
increases in October. The three subsectors
posting the largest increases were power,
up 8.8 percent; conservation and develop-
ment, up 7.2 percent; and public safety, up
1.5 percent. In a year-over-year comparison,
construction spending increased in five sub-
sectors including conservation and develop-
ment, up 23.2 percent; sewage and waste
disposal, up 13.1 percent; and water supply
construction, up 6.3 percent.
Public nonresidential construction was
up 0.4 percent for the month and up 1.4
percent for the year. Public nonresidential
construction now accounts for 55 percent
of overall nonresidential construction in
America. Residential construction spending
was up 2.4 percent for the month, but is still
down 8 percent from October 2009 levels.
Overall, total construction spending - which
includes nonresidential and residential - was
$80.23 billion in October, up 0.7 percent
from September, but down 9.3 percent from
a year ago and 33.7 percent below the peak
in March 2006.
Analysis
“There is very little new information
in today’s construction spending report,”
said Associated Builders and Contractors
Chief Economist Anirban Basu. “The Oc-
Trust Experience
Trust
Industrial & Commercial Roofing
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Minster & Dayton
419-628-3713
tober data supports the claim that in the
nation’s ailing economy, previously estab-
lished trends remain in place. Specifically,
publicly financed construction continues to
expand and privately financed construction
continues to decline.
“The exception is power construction,
a segment in which construction spending
rose nearly 9 percent for the month. The
hope is that this would be the start of a trend
in increasing power construction spending
volumes,” said Basu. “However, given the
massive size of certain installations, it may
be that October’s performance in the power
construction sector was driven by a hand-
ful of projects, and is not reflective of an
emerging and general trend. Time will tell.
“Time is also moving forward, which
means that at some point in the near fu-
ture, the impact of federal stimulus spend-
ing on construction put in place will begin
to wane,” Basu said. “However, it is clear
from October’s data that privately financed
nonresidential construction volumes remain
in retreat.
“While there are plenty of forecasters
who believe that private construction starts
will emerge in time to fill the void created
by the end of stimulus, the recovery of pri-
vately financed construction has yet to be-
come apparent,” said Basu.
 THE Nonresidential Construction employment down
Business Nonresidential Construction Employ- lower than November 2009 when it stood be heavy and civil engineering,” Basu said.

Journal ment Down Slightly in November

of West Central Ohio
Volume 19, No. 1
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 infor-
mation 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 per-
mission 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
Contact Us
Telephone 419-999-4762
Don Hemple 419-695-0015 ext. 138
Marilyn Hoffman 419-695-0015 ext. 131
Stacy Prine 419-695-0015 ext. 129
Stephanie Hoersten 419-695-0015 ext. 128
toll free 800-589-6950
Mail 405 N. Main St., Delphos, OH 45833-1598
For information concerning news,
advertising and subscription e-mail us at:
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www.businessjrnl.com
Summary
The nonresidential construction sector
lost 300 jobs in November, according to a
Dec. 3 employment report by the U.S. La-
bor Department. Year-over-year, nonresi-
dential construction is down 7,600 jobs,
or 1.1 percent, and employment stands at
685,700 jobs (see graph below).
Heavy and civil engineering construc-
tion employment grew for the sixth straight
month in November, gaining 1,300 jobs
over October. That sector has gained a
total of 23,800 jobs, or 2.9 percent, com-
pared to the same time last year. The spe-
cialty trade construction sector lost 6,800
jobs in November and 102,100 jobs, or 2.8
percent, over the last 12 months.
Residential construction gained 500
jobs in November but is still down 31,300
jobs, or 5.2 percent, compared to one year
ago. The construction industry as a whole
lost 5,000 jobs in November following a
3,000 job increase in October. Compared
to one year ago, the industry has 117,000
fewer jobs, a 2 percent decrease. The na-
tional unemployment rate for the construc-
tion industry was 18.8 percent in Novem-
ber, up significantly from the 17.3 percent
unemployment rate in October, but still
at 19.4 percent.
Private employment was up for the 11th
month, increasing by 50,000 jobs in No-
vember for a total increase of 1,088,000
jobs year over year. Overall national em-
ployment increased by 39,000 jobs in No-
vember, but with 11,000 jobs lost in the
public sector for the month. Year over
year, the nation has gained 842,000 jobs;
however, the national unemployment rate
is still high at 9.8 percent.
Analysis
“Construction jobs fell again in Novem-
ber, indicating the equilibrium between
supply and demand has yet to be achieved,”
said ABC Chief Economist Anirban Basu.
“Many firms have been working hard to
retain their key employees through various
mechanisms, such as bidding low on con-
tracts just to secure work and stay busy,”
Basu said. “This cannot persist indefinitely
and eventually, firms that continue to lose
money will falter. Specialty trade contrac-
tors are particularly vulnerable, because
one project that goes awry is often enough
to end a firm’s existence. With many firms
continuing to fail, construction employ-
ment has been declining as a reflection of
diminishing industry capacity.
“The bright spot in the data continues to
“There are a number of possible explana-
tions for this. Much of the work in this
category is institutional work that requires
engineering capacity, and engineering de-
mand also is being created by ongoing
stimulus-financed construction. In addi-
tion, there is significant demand for pe-
troleum engineers and other professionals
who work in power-generating industries.
But in other categories, there are few bright
spots, and a variety of indicators suggest
that circumstances will not change signifi-
cantly as we approach and enter 2011.
“A caveat to today’s jobs numbers may
be that the government’s statistical ap-
proach to seasonal factors has served to
make November look worse than it was,”
Basu said. “However, today’s employ-
ment report is perfectly consistent with
ABC’s prior statements regarding the still
moderate pace of economic recovery in
America.”
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January 2011 TheBusinessJournal 3

Allied (Continued from page 1) SMS (Continued from page 1)

expanded services. Allied is an established
and respected environmental firm with a
very large client base, and the framework for
increasing waste management services was
already in place”, stated McManus. “With
our expanded services, we can now provide
complete turn-key waste management. This
translates to a significant cost savings for our
clients”, added McManus.
Allied’s focus is on waste minimiza-
tion and recycling. By consolidating and
neutralizing waste streams, the quantity of
hazardous waste generated can be reduced
considerably. In many cases, these mini-
mization measures allow a client to change
RCRA status from a large quantity genera-
tor (LQG) to a conditionally-exempt small
quantity generator (CESQG), which reduces
RCRA filing requirements and also reduces
liability. “We’re trying to show our clients
the value, both in cost savings and decreased
liability, that waste minimization can pro-
vide”, stated McManus. “Recycling is an-
other means of minimization. Often, it is
cheaper to recycle than to dispose of a mate-
rial as a waste; AND you keep that material
out of a landfill, which is environmentally
responsible”, he added.
Allied is currently assisting clients with
disposal and/or recycling of RCRA hazard-
ous wastes, PCBs, elemental mercury and
mercury-containing devices, radioactives,
shock-sensitive materials, unused or obso-
lete lab chemicals in schools and hospitals,
and “universal wastes”. Universal waste
typically includes items such as spent light
bulbs, mercury switches, and batteries; and
electronic equipment such as computers,
printers and monitors – all of which can be
efficiently recycled.
For more information regarding Al-
lied’s waste characterization and manage-
ment services, contact: Noah McManus,
Environmental Project Manager, Allied
Environmental Services, Inc., Lima, Ohio
45804, Phone: (800) 992-5781, Email: mc-
manusn@allied-environmental.com, Web:
www.allied-environmental.com
to their technology budgets will build a
solid foundation to use the new tools cor-
rectly and efficiently and therefore a prompt
return on their technology investments,”
states Jeff Boate. “In addition, Information
Technology training is essential in industries
that deal with strict compliance and data
security standards. The integrated learning
approach of classroom training, mentored
learning and online resources that New
Horizons offers will make the transitions to
new technologies much more efficient.”
About SMS proTECH
Established in 1988, SMS proTECH
www.smsprotech.com provides cutting-
edge technology solutions for large and small
companies alike. Our system engineers have
vast experience with infrastructure design
and implementation and maintain up-to-date
certifications with key hardware and soft-
ware companies. We provide expert design
and consultation services, implementation,
installation and support. In addition to our
traditional systems services, we provide
hosted technical solutions for smaller busi-
ness or to augment existing technical staff
needs. SMS proTECH is a wholly-owned
subsidiary of Perry Corporation, Lima OH.
About New Horizons Learning
Centers
New Horizons Computer Learning Center
is the world’s largest independent provider
of IT training with more than 300 centers
in 60 countries, including a local center in
Fairbon, Ohio. New Horizons of Dayton is
a division of 5Point Enterprises, the manag-
ing entity for ten New Horizons franchises.
A Microsoft Gold Certified Partner for
Learning Solutions and a Cisco Learning
Associate, New Horizons delivers a full
range of technology and business skills
training from basic application and desktop
productivity tools to complex and integrated
business systems. For more information,
please visit http://www.nhcomputerlearn-
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4 TheBusinessJournal January 2011


Top 10 business technology trends for 2010
Technology never stops moving, but what
are the technologies that CIOs and IT manag-
ers really need to consider in 2010?
We sampled opinions among analysts,
vendors, users, IT professionals, system inte-
grators and pundits and came up with the fol-
lowing 10 to watch:
1. Cloud computing
Advertisement: Story continues below
The storage industry is shifting towards
solid state disks.
Cloud computing now comes in at least
three flavours: on-demand applications (soft-
ware-as-a-service), clouds as a source of com-
puting infrastructure (Amazon web services
and its ilk), and as a paradigm for deliver-
ing services within an organisation (internal
clouds). This means almost every CIO has
one type of cloud computing to consider. All
three are disruptive forces, with analyst firm
Gartner ranking the cloud as the most strate-
gic technology for 2010 because it “does not
eliminate the costs of IT solutions, but does
re-arrange some and reduce others.”
2. Four big Microsoft upgrades
2010 will see the emergence of Office 2010
and SharePoint 2010. Throw in the late 2009
debut of Exchange 2010 and IT managers on
long-term licensing deals with Microsoft have
three big upgrades to consider. Office 2010
looks like another incremental update but the
new SharePoint and Exchange will only ship
in 64-bit versions, putting a server upgrade on
many users’ roadmaps. And let’s not forget
Windows 7, which many CIOs must surely be
considering as XP runs out of puff.
3. Virtualisation
Virtualisation has hogged headlines in re-
cent years but continues to evolve at an im-
pressive pace. In 2010, Gartner says virtualisa-
tion will become a standard disaster recovery
and availability technique, as the practice of
moving virtual machines from one location to
another matures. The idea of desktop virtuali-
sation is also powering a new round of think-
ing about whether thin clients are a cheaper
alternative to PCs.
4. Biometric authentication
2009 saw National Australia Bank adopt
voiceprints as its preferred method of authen-
ticating its customers for phone banking and
general customer service inquiries because
it improves security and customer service.
Many call centres have noted this experience
and this technology is ready for wider deploy-
ment in 2010.
5. Next-generation firewalls
Most organisations tend to operate a fleet of
security appliances, with firewalls, intrusion
protection devices and unified threat manage-
ment devices all helping to build a layered
defence. Firewalls, however, have grown up
Business Technology
and can now take over some of the functions
of other security appliances. CIOs wishing to
consolidate their security infrastructure may
welcome this evolution.
6. Employee-owned IT
Traditionally, IT departments decide what
kind of computers and software employees
use and they take responsibility for all main-
tenance chores. Younger workers, however,
have grown up choosing their own computers
and applications and want to keep their per-
sonalised computing styles. Enter employee-
owned IT, which sees workers bringing their
own computers to work so that IT can lock
them down with virtualisation or multiple
operating systems that deliver security. IT
departments save as maintenance devolves
to computer vendors, while employees swear
they are more productive using a machine of
their choice.
7. Loyalty schemes
Analyst firm Frost & Sullivan’s Indus-
Call the office most convenient
to your location or call us toll-free
at 800.589.2357.
Sidney Office Muncie Office
840 S. Vandemark Rd. 3100 E. County Road 350N
Sidney, Ohio 45365 Muncie, Indiana 47303
937.498.2357 765.284.1594
www.sidneyelectric.com
try Director Andrew Milroy believes loyalty 9. Smart grids
schemes will go mainstream in 2010. Citing Smart grids are an emergent technology
their mainstream acceptance in retail and that imagines sensors embedded in devices
aviation, Milroy notes their absence from to monitor electricity consumption so that
telecommunications and other industries and they can “decide” to operate when power is
expects newly mature loyalty software will be cheaper. This in turn allows power compa-
something many CIOs are asked to consider nies to predict demand more precisely, reduc-
in 2010. ing waste. The idea is a favourite of green IT
8. Solid state disks boosters and is also seen as a likely source of
Storage may not be fashionable but it re- traffic for the National Broadband Network.
mains a colossal industry, and right now that 10. Hybrid servers
industry is shifting towards solid state disks - a The big IT transaction of 2009 was Ora-
technology that sees storage assigned to flash cle’s acquisition of Sun. The former has been
memory instead of magnetic spinning disks. experimenting with all-in-ones that pack a
Solid state disks are smaller, faster, cooler and server, storage and other goodies needed to
use less power than conventional disks, which run business applications into a single box,
means they can speed up applications without and is said to be keen on extending Sun’s work
the need for new servers while keeping elec- in the same space. HP is going down the same
tricity costs low - an irresistible combination. path, working to make its storage arrays more
While we are on storage, note the 2010 release similar to its servers to make them cheaper to
of LTO-5, a new standard tape format packing manufacture. If this trend continues, data cen-
3.6 terbaytes of data onto each tape. tre hardware will start to look similar.
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6 TheBusinessJournal January 2011
Consumer tech trends
affect all business
Technology is ever-changing.
That’s not big news, but it is an important truth
to keep in mind, no matter your industry.
A recent change exciting the tech world is last
week’s unveiling of “the new Twitter.” While pre-
vious changes to the site have been small tweaks
and improvements on its basic format, Twitter
soon will be adding a bunch of new features that
will expand its capabilities.
Most of these changes are related to multime-
dia — being able to view photos and videos within
the actual Twitter site, for instance — and many
are similar to what third-party apps offer. Although
the site’s leaders said nearly 80 percent of active
users have logged onto Twitter’s website within
the past month, those leaders have to be paying
attention to other apps and which of their features
users appreciate most.
At least some of this move had to be about
making sure the website does not become obsolete
as more and more people choose the features-rich
applications.
As the Internet evolves, Twitter and social net-
working sites are not the only companies that need
to be paying attention to what people want — we
all do.
While talking to Mindscape’s Pete Brand about
his company’s recent expansion, he told me, “It’s
no longer companies dictating what customers are
going to be able to receive. … Companies need to
listen to what their customers want.”
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your inbox every Thursday.
Others are thinking about this trend, too.
Wired magazine’s cover story last month
claimed “The Web is Dead.” By the looks of the
recent Twitter announcement, it would seem the
people at Twitter don’t agree. However, one of
the article’s broader points still applies. It claimed
people don’t “surf the web” anymore. Even that
phrase sounds so 1999.
People these days are more interested in visit-
ing the sites they know, enjoy and trust. Take Fa-
cebook, for instance. When someone checks Face-
book, there’s a good chance the only reason they’re
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going online at all is just to check Facebook. They
probably don’t need to go anywhere else to stay up
to date about their friends and family.
Yes, if they need to find some sort of informa-
tion or resource — whether it’s a company’s cus-
tomer service number or data for a school report
— they’ll probably use a search engine. But it’s
not the same as surfing the World Wide Web just
for fun.
The Wired article also claimed that people are
turning to applications more to receive this infor-
mation, as opposed to opening a web browser at
all. Many people have shot back that this doesn’t
mean the web is dead, that Wired’s statement is
too extreme. And, of course, it doesn’t mean the
Internet in general — which runs all those fun ap-
plications — is anywhere near dead.
Regardless of whether we are moving toward
an app-dominated future or if changes to people’s
Internet habits are less drastic, businesses still
need to pay attention to these kinds of trends. This
is especially true since the devices that people are
choosing to run applications on are changing, as
well.
A report last week from Morgan Stanley Re-
search caught many people’s attention when it
showed how year-over-year growth in laptop sales
peaked in December — but has been on a down-
ward slope in 2010, finally dropping into negative
range in August. As Fortune noted, many are won-
dering if this trend is related to the launch of the
iPad.
Whether or not a clear cause-and-effect rela-
tionship exists, the mobile world is taking off.
Electronics retailers, as the holiday season
ramps up, are revamping what’s going to be on
shelves. The Wall Street Journal reported these
stores are shifting their inventory to include more
smartphones, electronic readers and touch-screen
computers. Although they follow consumer trends
much more closely, retailers are not the only ones
who need to be paying attention to what customers
want from technology.
How people find your company’s website, in-
teract with your company online and express their
opinions about your company in the digital world
all are changing. How you adapt to these changes
can play an important role in offline areas of your
business, as well.
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The role of information technology in our industries
The role of information technology in modern or-
ganizations is becoming progressively critical. Orga-
nizations with effective IT management have achieved
a wide range of benefits such as accurate reporting, ef-
fective monitoring and analysis of activities through-
out business processes, a comprehensive view of cus-
tomers, products and supplies and reduced errors and
expenses.
As a matter of fact, information technology is a
business function, which uses process and technol-
ogy regulations to define, manage and share master
data across the organization. In addition, it facilitates
the major tasks of planning, executing and control-
ling within an organization. A well-structured IT de-
partment sets objectives and selects the best course of
action to meet these objectives through the coordina-
tion of human and intangible resources. In addition,
it ensures that objectives are met by monitoring and
measuring progress regularly as to identify variances
from original plan and take corrective action, where
necessary.
Information technology is a part of corporate strat-
egy. For instance, when the top management of a firm
decides the installation of a CRM system, it has already
decided on the set of values, goals, tactics and strate-
gy. In order for this CRM system to function properly
and meet the firm’s strategic goals, employees need
to be trained and motivated as to meet organizational
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goals. Therefore, the technological investments that
the firm does are handled as part of the firm’s strategic
portfolio.
Often, difficult and complex IT strategies deter-
mine organizational welfare. A prominent example is
Dell Computer, which succeeded in attracting custom-
er orders and improving service by placing configu-
ration, ordering, and technical support capabilities on
the web. Similarly, Steve Jobs’ decision to restructure
Apple or Procter &Gamble’s “efficient consumer re-
sponse” program resulted in increased product variety,
convenience, and innovation through the direct com-
puter links to scanner data and the electronic transfer
of payments and invoices.
To conclude, the future of IT seems bright. New
modes of business thinking and operation are being
applied towards improved organizational efficiency
and success. Concepts like self-organizing systems,
knowledge management and empowerment initiatives
are particularly related to IT function. Moreover, us-
ing information technology to link data between in-
formation systems achieves a higher level of informa-
tion quality and the ability to analyze activities across
business functions. Therefore, information technology
needs to get the same degree of analysis and study by
management, as any other business function of the or-
ganization. In fact, information technology must be a
“real” part of the organization.
When We Win, You Win
Cisco Breakaway Partner of the Year
announced at Cisco Summit 2010
What can we do for you?
January 2011 TheBusinessJournal 7
’Tis the season to be inspired for next season
I just completed my intense Las Vegas Boot
Camp weekend at the fabulous Green Valley
Ranch Resort. Everyone left for the better, and
everyone left enriched and inspired (me includ-
ed).
I invited some of the best presenters in the
world to impart knowledge, ideas, and wisdom
to the Boot Camp attendees.
Here’s who spoke: Brad Sugars, Giovanni
Livera, Sally Hogshead, Darren Hardy, Joe Soto,
Darren Lacroix, Dave McLurg, and me. If you’re
not familiar with them, Google each one.
Each presenter spoke for 60-90 minutes on
branding, success, laughter, change, social me-
dia, fascination, coaching, and sales. And each
presenter (me included) referenced at least one
quote from the same person - a speaker and phi-
losopher they had seen, heard, worked with, or
been a disciple of. The person was the late (great)
Jim Rohn.
It was so interesting that EVERY Boot Camp
presenter wove some of Jim’s wisdom into their
talk. It was so interesting that Jim was a common
bond and common ground for many of the prin-
ciples that we as presenters base our own success
and philosophies on.
As you head into the New Year with hope and
determination, maybe you should be exposed to
Jim’s wisdom, too.
Below are some quotes and pearls of his wis-
dom. If you want more, go to www.jimrohn.com
<http://www.jimrohn.com> and sign up for his
weekly e-zine.
• The major value in life is not what you get.
8 TheBusinessJournal January 2011
The major value in life is what one once said that the shortest is what we are.
you become. That is why I wish period of time in America is the • Success is 20% skills and 80% strategy. You
to pay fair price for every value. time between when the light might know how to read, but more importantly,
If I have to pay for it or earn it, turns green and when you hear what’s your plan to read?
that makes something of me. If I the first horn honk. • Average people look for ways of getting
get it for free, that makes nothing • We must all suffer from away with it; successful people look for ways of
of me. one of two pains: the pain of getting on with it. (I love this one)
• Showing a profit means discipline or the pain of regret. • How sad to see a father with money and no
touching something and leaving it The difference is discipline joy. The man studied economics, but never stud-
better than you found it. weighs ounces while regret ied happiness.
• Enterprise is the hope of our weighs tons. • We must learn to help those who deserve it,
future. • You cannot succeed by not just those who need it. Life responds to de-
• Profits are better than wages. yourself. It’s hard to find a rich serve not need.
Wages make you a living; profits hermit. • We could all use a little coaching. When
make you a fortune. • There is no greater leader- you’re playing the game, it’s hard to think of ev-
• Kids ought to have two bicy- ship challenge than parenting. erything.
cles, one to ride and one to rent. • Failure is not a single, • Motivation alone is not enough. If you have
• One of the best places to start cataclysmic event. You don’t an idiot and you motivate him, now you have a
to turn your life around is by do- fail overnight. Instead, failure motivated idiot.
ing whatever appears on your is a few errors in judgment, re- • Never wish your life were easier, wish that
mental “I should” list. Jeffrey peated every day. you were better.
• Indecision is the thief of op- Gitomer • Don’t take the casual ap- How influential is Jim Rohn? Personally, I
portunity. proach to life. Casualness leads carried his set of tapes (now CDs) called the Art
• You cannot change your des- to casualties. of Exceptional Living in my car for 10 years. Ac-
tination overnight, but you can change your di- • Success is the study of the obvious. Ev- quire some of his wisdom and see for yourself.
rection overnight. eryone should take Obvious I and Obvious II in Happy day, and happy days.
• Don’t say, “If I could, I would.” Say, “If I school.
Jeffrey Gitomer is the author of The Little Red Book of
can, I will.” • It’s too bad failures don’t give seminars. Selling. President of Charlotte-based Buy Gitomer, he gives
• It takes time to build a corporate work of art. Wouldn’t that be valuable? If you meet a guy who seminars, runs annual sales meetings, and conducts Internet
It takes time to build a life. And it takes time to has messed up his life for forty years, you’ve just training programs on selling and customer service at www.
trainone.com. He can be reached at 704/333-1112 or e-mail to
develop and grow. So give yourself, your enter- got to say, John, if I bring my journal and prom- salesman@gitomer.com
prise, and your family the time they deserve and ise to take good notes, would you spend a day © 2010 All Rights Reserved - Don’t even think about re-
the time they require. with me? producing this document without written
• Americans are incredibly inpatient. Some- • Success is not so much what we have as it permission from Jeffrey H. Gitomer and Buy Gitomer •
704/333-1112
 Career Development
Career Education
Ongoing career education is something
that can help separate from you other job
searchers and in some cases might help to
win you the job.
As a recruiter, I have worked with com-
panies who will not hire people without a
university degree. In some cases, they spec-
ify the type of degree needed but in other
cases, the company doesn’t care what the
degree is in as long as you have one.
In other words, a lack of education can
cost you. And you might not even realize it
if the company doesn’t publicly admit this
policy but simply lets their recruiters know
about this particular form of screening.
Defiance
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When planning your career, education
can certainly have an impact on your suc-
cess or lack thereof.
Other Career Education Options
OK, let’s say that anything related to de-
grees or diplomas is just not an option for
you. There are still plenty of great career
education options you can look at:
Industry-Specific Career Education
A good example of industry education
is the various platform-specific designa-
tions that Information Technology profes-
sionals can attain in areas such as computer
networking, routers, wireless and Internet
See CAREER, page X
MBA Program!
discover the
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You will find:
Programs.
Explore select master’s, bachelor’s, and
associate programs, offered in their entirety.
Student Life.
Join one of many service and social clubs.
Participate in Collegiate 4-H, Business
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January 2011 TheBusinessJournal 9

Investing strategies for retirement
As retirement changes, so must your in-
vestment strategy. Here’s how to get it right.
NEW YORK (MONEY Magazine) -
You’ve probably given a lot of thought to
what your dream retirement will look like.
But here’s what you really need to think
about: How are you going to pay for it?
Time for some quick math. For starters,
let’s figure you’ll need annual income for ba-
sic living expenses of $45,000 or so on top
of a combined Social Security and pension
benefit of $25,000. And let’s plug in another
$5,000 a year for the rewards you so richly
deserve after a long career -- you know, Eu-
rope one year, a killer home theater system
the next. And oh, there’s that 1965 Corvette
Sting Ray you’ve coveted since you were a
teenager.
Add it all up and you need, gulp, about
$1.2 million.
Before you reach for the anti-anxiety pills,
take a deep breath. Truth is, even as corporate
and government largesse decline, you’ve got
more tools at your disposal than ever to pull
it off.
This story lays out a three-part strategy for
getting there: You’re going to invest differ-
ently (read: more aggressively); you’re going
RETIRING?
to tap other assets, including that incredibly
Don’t let taxes take a bite out of
your retirement plan distribution
By rolling it over into an IRA, you may delay paying taxes on
your distribution.
Call or stop by today for details.
Ron Michel Tim Stoller
107 South Main St. 1119 Westwood Dr.
Bluffton, OH 45817 Suite C
419-358-2622 Van Wert, OH 45891
888-358-2622 419-232-2057
www.edwardjones.com
Member SIPC
10 TheBusinessJournal January 2011
Retirement Strategies
valuable one called your brain; and you’re go-
ing to stay flexible -- cutting back when times
(read: the markets) are tough, spending a bit
more when they’re flush -- just as you have all
your adult life.
No false promises here: To live the dream
retirement, you need to get real.
Harness the power of stocks
Your first step in turning your retirement
vision into reality is to invest more aggres-
sively. The accepted wisdom of subtracting
your age from 100 and investing that percent-
age of your portfolio in stocks may have cut
it for the “Leave It to Beaver” crowd. But in a
“Desperate Housewives” world -- where you
could easily spend 30 years or more in retire-
ment -- you need the growth power of stocks
to bulk up your savings and make sure your
money lasts a lifetime.
Many investment firms have yet to factor
this new reality into their investing strategies,
but some are beginning to do so. In the retire-
ment portfolios it recommends for investors
in their forties, T. Rowe Price now devotes
more than 80 percent of assets to stocks. And
it stashes 55 percent of assets in stocks in its
funds designed for people in their sixties who
are retiring today.
Relying that much on stocks may seem
Mark W. Alliman Dustin R. Brooks
107 South Main St. 206 N. Main St.
P.O. Box 208 Ada, OH 45810
Bluffton, OH 45817 (419) 634-9104
(419) 358-2622
888-358-2622
risky. But it’s actually more prudent than a
timid approach. If the market turns in just av-
erage performance over the long sweep of a
career and retirement combined, a more ag-
gressive approach not only delivers a larger
retirement stash by the time you’re ready to
retire but also lets you squeeze a couple of ex-
tra years of income from your portfolio. The
results will be even better for the aggressive
portfolio if the market performs anything like
it has over the past 20 years.
Ah, but what if the markets perform poor-
ly? Well, the more aggressive strategy comes
out ahead there too. True, it falls behind
slightly during the working years. But once
withdrawals begin, stocks’ superior growth
potential eventually wins out, with the result
that the aggressive portfolio lasts five more
years than its conservative counterpart.
The reason is that over the long haul, stocks
provide more inflation protection than bonds,
which increases the longevity of your savings
and helps you maintain your standard of liv-
ing. Of course, you don’t want to overdo it.
“If you invest too aggressively, the losses
you suffer along the way could be much larg-
er,” says Adam Apt, vice president at LTSave,
a company that provides advice and planning
services to people in 401(k) plans. Bouncing
back from big setbacks can be difficult, par-
ticularly later in your career.
You also want to be sure that you ratchet
down your stock exposure as you age. For
specifics on how to set an appropriate invest-
ment strategy at each stage of retirement plan-
ning, as well as specific fund recommenda-
tions to help you carry out your plan, click
here to read “A plan for every stage.”
Tap other assets
Chances are, though, smarter investing
alone won’t cover the full tab. You’re going
to have to turn to other assets.
One of the biggest is your earning power.
Whether for enjoyment or for the cash, most
people say they plan to work in some capac-
ity after they retire. Those earnings, whether
from a new retirement career, part-time work
or even a new business, can add up to a siz-
able asset.
Let’s say, for example, a married couple
both retire from their career jobs at 62 but
work part time over the next 10 years, earn-
ing $25,000 a year each. That annual income
would be the equivalent of having an extra
$300,000 or more tucked away in savings at
retirement. (Of course, working may compli-
cate the issue of when to take Social Secu-
rity.)
Taking a job after retirement has other ad-
vantages too. With a regular paycheck, you
don’t have to draw as much from your invest-
ments for living expenses, which gives your
savings a chance to grow and lowers the risk
of your portfolio running dry. You may also
be able to get employer-paid medical insur-
ance for yourself and perhaps your spouse --
an attractive perk, especially if you’re retiring
early and must wait several years for Medi-
care to kick in.
Another major asset that can greatly im-
prove your retirement prospects is your home.
With house prices up more than 50 percent
over the past five years alone, you may be
sitting on a home-equity cushion worth more
than $100,000.
Your home probably isn’t the first asset
you’ll want to tap, but it’s good to know that
reserve is there, and that you can get to it in a
variety of ways: Trading down to less expen-
sive digs, borrowing with a home-equity line
of credit or taking out a reverse mortgage that
will let you stay in your home even as you
collect monthly payments for life.
Adopt a flexible spending plan
After you’ve gotten the most out of the as-
sets you own, you must turn your attention to
the other key tool at your disposal: managing
your spending. Once you begin tapping your
portfolio at retirement, keeping a flexible at-
titude about spending is the single most effec-
tive thing you can do to stay on track toward
your retirement dream.
For example, financial advisers recom-
mend that when you retire you limit your
initial withdrawal to 4 percent of your port-
folio’s value, then increase that dollar amount
annually for inflation so you don’t run out of
money. That 4 percent isn’t a guess; in simu-
lations that put portfolios through thousands
of different market scenarios, 4 percent is the
amount that provides reasonable assurance
your savings will last at least 30 years.
But this sort of analysis doesn’t account
for the fact that in real life you’re not locked
into a fixed withdrawal rate. You can make
adjustments.
And, indeed, assuming you’re amenable
to some fine-tuning -- spending more when
your portfolio has had a few good years and
reducing your spending by 5 to 10 percent
when your investments perform poorly --
you may be able to increase your withdrawal
rate to 4.5 percent or even 5 percent without
significantly raising the risk of running out
of money.
“If you’re willing to make little adjust-
ments along the way, you find that the num-
bers become a lot friendlier,” says Bob Clyatt,
author of “Work Less, Live More: The New
Way to Retire Early.”
Like the rest of life, retirement doesn’t
come with guarantees. But if you approach
your planning with the determination to save,
the discipline to stick to a sound investment
strategy and the resolve to remain flexible,
you’ll have given yourself a great shot at liv-
ing your dream retirement.
And if things really work out, you can
splurge on a GPS navigation system for that
‘Vette.
Career (Continued from page 9)
technologies. Often these designations will
not only separate you from candidates who
don’t hold a designation, it might be a re-
quirement for actually applying for some
jobs. Other examples of people who hold
industry-specific designations are registered
nurses and certified trainers.
Skills Training Career Education
There are a number of options you might
consider such as computer training, presen-
tation skills training, project management
training, financial management training and
assertiveness training just to name a few. If
you can think of something about yourself
that you’d like to improve, you can prob-
ably quickly find a course or some sort of
training to take. Plus, taking training cours-
es - especially if your employer pays for it
- is a great way to keep active and network
with others who might help your career.
Second Language Career Education

Get-
Beltone (Continued from page 1)
wireless network around them.”
Twice as fast and with four times as much
memory, the Beltone True’s integrated cir-
cuit enables wireless connections to be made
to other devices without audible delay. A re-
mote control offers users the ability to inde-
pendently adjust each hearing instrument’s
volume and sound quality.
Receiving top honors in the Health and
Wellness category, the Beltone True will
be displayed at the 2011 International CES,
which runs January 6-9, 2011 in Las Vegas,
Nevada.
The product’s innovative features include Times have changed. But the key to a
the following: comfortable retirement hasn’t. A successful
• Direct TV Link - Direct 2.4 GHz wireless
connection to a television, stereo or com-
puter allows the listener to enjoy entertain-
ment with others comfortably, at a volume
that is right for everyone. This enables the
individual to hear the television or stereo,
while also participating in conversation in
the room.
• Direct Phone Link – Direct wireless con-
nection to a Bluetooth-enabled cell phone
allows the user to hear a call directly in
both ears. A clip attached to the user’s
clothing picks up his/her end of the con-
versation, allowing the cell phone to re-
main in a bag or pocket during the call. An
Auto Phone feature automatically turns on
when the phone comes near the ear.
• Feedback Eraser – Automatically elimi-
nates the uncomfortable and embarrassing
ringing that feedback can cause in the ear.
• Speech Spotter Pro – Allows users to more
easily follow conversations in noisy plac-
es such as restaurants, sporting events and
parties.
Products entered into the CES Innova-
tions program are judged by a preeminent
Serving
Servingthe Corporate
the Corporate
ting a second or third language under your ture? Many people (especially those whoand Personal
are and Community
Personal Community
belt can really make a difference in your ca- busy working fulltime and might also have
reer especially in the eyes of firms who look a family to worry about) are turning to on- forForOver
Over 30 Years.
30 Years
favorably at multilingual job candidates. If line degrees to continue their education and
you work for a multinational corporation, a help their career. 

Career Training
There are Living the
Living the Rotary
Rotary motto:
motto:
second or third language might open up job many options you can choose when it comes “Service
“Service above self”
above self”
opportunities with this or other companies to training. Learning a new language, taking
who operate globally. Often bilingual job time management training, taking assertive-
candidates can be worth their weight in gold ness training or becoming certified in a par-
to a company. ticular field are just four examples.
During your career, education can often
help to take your farther than you would
otherwise have gone had you not achieved
this level. As the above lists show, there
are many options you can pursue to con-
The Business Journal
tinue your education at any stage of your
career.

College Degree
Not having a col-
Distributed in
lege or university degree can hold you back
in your career. Here are some options and 13 counties... Jane Birckhead, CPCU
choices for continuing your education. 

On- Executive Vice President
line Degree
Is an online degree in your fu- Trustee - Stepping Stones Center
ALLEN, AUGLAIZE,
DEFIANCE,
Life • Home • Auto • Business • Income
Hukill Hazlett
Life • Home • Auto • Business • Income
HANCOCK, HARDIN, Hukill Agency, HazlettInc.
panel of independent industrial designers, Harrington
engineers and members of the media. Past HENRY. LOGAN, Harrington Agency,
Insurance Since 1838 Inc.
recipients of the CES award include Pa-
nasonic, Sony, Samsung, LG Electronics, MERCER, PAULDING, 513-793-1190
FAX:Insurance
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• Cell: 513-479-1193
Roku, Yamaha, Belkin, Logitech, Philips PUTNAM, SHELBY, VAN513-793-1190Email: Direct Line: 513-619-4621
• FAX: 513-793-5730 • Cell: 513-479-11
Electronics, JBL, and many other brands jbirckhead@hhhinsurance.com
that have built a reputation for delivering WERT, WOOD Direct Line: 513-619-4621
www.hhhinsurance.com
superior innovation and quality. Email: jbirckhead@hhhinsurance
SECURE &
www.hhhinsurance.com
It’s time to review, revise, and revive
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A
retirement savings strategy is still a balance
F
of risk and opportunities. I can help you
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E
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Convoy, Oh. 45832 you want a safe & secure financial institution.
1 (877) 594-5467 That’s us, Antwerp Exchange Bank, working with
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Products and feature availability may vary by state.
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CR1095 (R-3/2010)
January 2011 TheBusinessJournal 11
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12 TheBusinessJournal January 2011