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1993-2013

Business

June 2013 $2.00

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Inside Features
Lake Express at 10 Years Commercial Real Estate Women In Business Business Insurance Metal Finishing Healthy Living Mobile Apps

Communication & IT
Mobile Applications Are The New Black
by Luke Van Der Male Mobile applications are the new black. For proof, look to increasing mobile internet traffic. Mary Meeker, head of Morgan Stanleys global technology research team, says it will surpass fixed internet traffic by the end of 2014. As far as advertising goes, in 2012, U.S companies spent 178 percent more on mobile advertising. Nikhil Kumar of the Independent credited Facebooks excellent first quarter this year in part to the rise of mobile advertising. Despite concerns over mobile advertisings feasibility, it seems that as people have become accustomed to accessing their favorite sites via mobile, mobile advertising has also risen. But what does this have to do with business in Grand Rapids? You wouldnt be alone if you answered not much. The manager of Yesterdog, Nino, said we do nothing with... cell phones except call people, and he went on to say that they are not in use to help sales. How can this increase in mobile traffic affect small businesses, which make up the majority of firms in the U.S? If youve wandered down Wealthy Street recently, youve already seen a way small businesses are affected. Even Yesterdog has a sticker in the window showing off its recommendations on Yelp. Yelp allows for easily accessible restaurant reviews to be routed straight to customers. This means consumers can make informed decisions on their restaurant choices in places they would previously have had to guess. And given mobile traffics recent growth, its safe to assume applications like Yelp (and Foursquare) are just the beginning. Not all of mobiles influences on the periphery. Atomic Object, a Grand Rapids firm specializing in software craftsmanship designed iPhone and Android apps for ArtPrize as early as 2009, and has continued to update it through 2011. The application indexed 1,200 artists, linked maps to their locations, and allowed users to vote for their favorites. Companies like Atomic Object make it easy for other firms to build mobile apps. Atomic Object has created apps with as diverse purposes as Priority Healths Mobile Member Card for the iPhone, and Herman Millers furniture application. More mainstream apps include Google Wallet, a new payment service thats competes with Paypal mobily. Google Wallet allows customers to use their smartphones as credit cards in NFCenabled terminals. This is a convenient and simple alternative to traditional credit cards that allows users to make use of coupons and discounts more easily, and also tracks their recent purchases. But Google recently announced another feature to be released in the next few months even more exciting: the ability to send money by Gmail. Receiving money is always free, and money sent from a Google Wallet Balance or bank account is always free. This new and incredibly easy transfer of money could lower transaction costs for all small businesses. Andy Bazan, of B&B Vending in Grand Rapids, said he normally settles accounts with his co-owner in cash, but this would allow him to avoid the hassle of being given direct cash. This also illustrates the blurring off the line between checking accounts and cash on hand, as facilitated by the increasing importance of mobile technology. Whether it be through advertising, recommendations and reviews, or even handling electronic money itself, mobile technology is proving to be a part of the mainstream of business technology in the

2
21st century. But unlike some innovations, mobile technology does not improve existing technology incrementally, it provides completely new services. Before apps like Yelp, there was no easy way to gain reviews of local restaurants in a new city. This is both what makes the mobile markets volatile, as evidenced by the dot com crash, and durable, like the incredibly ubiquity of Twitter, Facebook, and even the Yelp icon on company windows and websites. Luke Van Der Male is a freelance writer studying economics and English at Grand Valley State University. You can see more of his stuff at skepticfreethought.com under numquam fidelis.

Deficit in Aquifers Accelerating

Reston, VA - From 1900 to 2008, the Nations aquifers, natural stocks of water found under land, decreased by more than twice the volume of water found in Lake Erie. Groundwater is one of the Nations most important natural resources as it provides drinking water in both rural and urban communities, supports irrigation and industry, sustains flows of streams and rivers, and maintains ecosystems, said Suzette Kimball, acting US Geological Survey (USGS) Director. Because groundwater systems typically respond slowly to human actions, a long-term perspective is vital to manage this valuable resource in sustainable ways. Within the Great Lakes Basin, Lake Michigan watershed accounted for 49% of total water withdrawals for 2005. The State of Michigan accounted for 38% of total water withdrawals, representing the largest surface-water withdrawals (primarily for thermoelectric power use) and groundwater withdrawals (primarily for public supply and self-supplied domestic use). The USGS Michigan Water Science Center cooperates with local and state agencies to collect and maintain groundwater data across Michigan. The U.S. Department of Agriculture is looking for farmers to participate in an initiative to monitor effectiveness of conservation practices at improving water quality. Farmers in three Michigan watersheds Hayworth Creek, Kearsley-Swartz, and Mid-Shiawassee River - are eligible to apply for the initiative until June 14, 2013. The watersheds are located primarily in Clinton, Genesee, Oakland and Shiawassee Counties with a small portion in Lapeer County.

Commercial Real Estate Rebounds, and Griffin Properties Continues to Grow

By Jane Whittington When people hear the term real estate, they often think first of the sales of new or existing homes, the scenario that portrays home ownership as intrinsic to the American Dream. While this is certainly true, and residential real estate is important to American families and also serves as an indicator of the economic health of our nation and our communities, we must also consider commercial real estate as an essential part of the market. In general, commercial real estate refers to buildings or land that is intended to be used to make a profit for the owner. This property can include office buildings, industrial facilities, healthcare centers, malls and retail stores, farmland, restaurants, warehouses, garages, lodging such as hotels, motels or inns and multi-family housing such as apartment complexes or high rise apartment buildings. Some real estate companies deal only in residential real estate while others sell only commercial real estate. Many companies sell both. An article on the website of Monster.com, an employment site, talks about careers in real estate and delineates the difference between the two markets. The author of the article, Dona DeZube, Monster Finance Careers expert, quotes Mike Winkeler, owner of a large St. Louis based residential brokerage, who says, Residential is easier to break into. You can achieve success in a shorter period of time90 days to six months. Not so in commercial real estate, says DeZube. She quotes Sandra Sellani, vice president of marketing for a commercial real estate brokerage in California, who says, It can take ten months to close your first sale. While the commercial sales cycle may be slower, DeZube says that the per-deal commissions are higher because properties are more expensive, and agents get a percentage of the sale price. The National Association of Realtors surveyed its members and found that the average commercial realtor makes $85,000 annually, while the average residential realtor makes just under $40,000. Of course, this varies widely from market to market. In an article on the website about.com, James Kimmons discusses the advantages and disadvantages of choosing a career in commercial real estate. He says, There is a great deal more financial analysis, market demographics study and environmental research involved in a typical commercial purchase or lease decision. The commercial client is usually much more concerned with area statistics and slow upward climb. T h e report says, The office market is not as unpred i c t a b l e today as it has been in the last couple years, and the panic is over. It also reports that The Central Business District continues to be the hub of leasing activity in Grand Rapids. Read as a whole, the report would seem to indicate good news for the commercial real estate market. Diane Griffin of Griffin Properties would agree, Despite the fact that I started my business in 2006, right before the market dropped, our sales have increased every year, and were looking at our best year ever in 2013. Griffin Properties, part of Keller Williams but with its own facility, sells a mix of residential and commercial real estate and also functions as property managers for both business and residential properties. Residential real estate makes up the bulk of their sales, but their experience and expertise also extends to the commercial market. Griffin says, I started as a single agent, which is how most realtors begin. But I came into it with a different mindset: that its a business. I dont just help people with buying and selling; Im growing a real estate business. As Ive grown the business, Ive chosen to hire people who are great at different jobs within real estate. Now there are 15 people on our team, and everybody has certain roles and responsibilities, just as in any company. Some are actually our own employees and others we contract to work with. Each plays to his or her strengths. She continues, Our business is growing; our team is growing. Generally, commercial real estate trends follow residential trends, so as residential has improved, commercial has followed. She continues, Our commercial work focuses on light commercialnot the very large buildings. For instance, I recently

data about the propertys location and the demographics of the local population and businesses. He continues, There is a higher level of analytical activity for the typical commercial real estate professional. The rewards can be worth the effort required, but you should thoroughly compare your desires and abilities to the requirements for commercial real estate brokerages. The Seidman School of Business at Grand Valley State University released a report published in January of 2012, West Michigan-Grand Rapids Commercial Real Estate Review and Forecast, written by Jeff Hainer and Jeff Williams, Research Analysts at Colliers International/West Michigan. They discussed the industrial market, the investment market, the retail market, property management and the office market. While the report is too detailed to include here, the study can be read at www.scholarworks.gvsu.edu/cgi/ viewcontent.cgi?article=1140&context=sbr In the report, they say, The industrial segment of the market has seen an underrated recovery this year. Competition has begun again as quality space is as highly sought after as ever. The study continues, Manufacturing continues to lead the comeback, with demand overflowing into warehouse products as well. They say, Grand Rapids has been a bright spot in an otherwise dark couple of years for the state of Michigan. While the state has seen rising unemployment and declining residential population, Grand Rapids has continued to buck the trend. In terms of the investment market, the study reports an increasing activity level in the investment real estate sector and a slow gradual valuation improvement in most property types. Unlike many communities, this study sees that downtown and fringe neighborhoods have been particularly stable as the growing population of students and young professionals prefer to be located in an urban environment. On the other hand, the retail market saw little movement, but the authors anticipate that the market has begun a

sold the building which had housed Amaryllis on Fulton, about 4,000 square feet. I sold the W Building in Eastown, about 6,000 square feet and the building that La Fontsee Galleries is now in, about 20,000 square feet. Griffin Properties works in about a 60 miles radius around Grand Rapids. Griffin focuses on areas she knows well and feels this benefits her clients, her company and herself. If she is unfamiliar with an area, she will find an agent within her group who knows it well. Originally from Cinncinati, Griffin attended the University of Evansville and received a degree in public relations and corporate communications. After a corporate job, she chose to refocus and, over the next ten years, opened several Afterwards Cafs in this area. Eventually she sold them and, as she says, I listened to my mother who had been telling me for years that I should be in real estate. Griffins mother has been in real estate for 28 years and is currently in Naples, Florida. Griffin says, At this point, my team runs more of the day-to-day aspects of the company. I see my job as continuing to grow the business, form relationships with people in the community and identify new markets. Within the past month, Griffin Properties has moved into a new location. The original building, next to the Fulton Famers Market, was, as Griffin says, just too small for us. It only had 800 square feet and our new location has 2,400. They have moved to a building on the corner of Crescent and Union which formerly housed Crescent Street Floral and then Violet Northeast, another flower shop. Griffin is deeply involved in the community. She recently served as chairperson of the Fulton Street Market expansion, is active with her daughters schools and is on the advisory committee for the West Michigan Progressive Womens Alliance. The Griffin Properties Team is ranked among the top 100 in Keller Williams International. Another indication of her success is that she was recently featured in Top Agent magazine as an exemplary example of someone who is a leader in her field and someone who does well by doing good. Jane Whittington is a freelance writer and editor who lives in Grand Rapids.

Quality Office Furniture, at a price you can afford!

Bill Feyen
616-554-0200 billfeyen@exceloffice.com

Lake Michigans High-Speed Ferry at 10

By Aaron Schultz The Lake Express made history as Americas first high-speed auto passenger ferry in June of 2004. This year it reaches a milestone 10th season of service. When the Lake Express high-speed ferry arrived in Milwaukee during the spring of 2004, it marked the beginning of a new era of cross-lake ferry transportation on Lake Michigan. While the port cities of Muskegon, Mich. and Milwaukee had long enjoyed a historical pairing since the mid 1800s, the passenger link between the two cities had laid dormant since the retirement of the steamship Milwaukee Clipper in 1970. While still enjoyed by many tourists and leisure-seekers, the older generation of ships was no longer capable of competing with the interstate highway system in terms of speed and timesavings.

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Business Development Senior Vice President: Diane LaPreze Senior Vice President: Jim Lroy Circulation: Aubrey Day Contributing Writers: Luke Van Der Male, Jane Whittington, Aaron Schultz, William F. Donahue IV Managing Editor: Carol M. Kralapp Associate Editor: Jeremy Martin Printing/Distribution: News Web Printing Accountant: Michael Tawney & Company Legal: Miller Canfield Paddock & Stone
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Decades later, new technology restored the competitive advantage for cross-lake ferry transportation and the Milwaukee-Muskegon Lake Michigan shortcut was reborn. Drawing on technological innovations developed during the decades-long lull in service between the two historic port cities, the Lake Express brought a blend of speed and maneuverability never seen before on a ferry route in the United States. The return of cross-lake ferry service between Milwaukee and Muskegon provided travelers with the time-saving option of 2-1/2 hour crossings, compared to 270-plus miles of driving with the wear and tear of Chicago traffic, congestion and other assorted uncertainties. Travelers on the Lake Express enjoy coastal getaways and beach vacations in West Michigan and travelers to Milwaukee remark at the casual friendliness and big city attractions found in Milwaukee. Now in its 10th season of operations, the Lake Express has become a key asset for the local tourism industries and

business communities. The Lake Express has averaged well more than 100,000 passengers per year and has drawn passengers from throughout the nation and the world. Travelers from more than two dozen countries traveled on the Lake Express in 2012 and with the global appeal of the upcoming Harley-Davidson 110th anniversary celebration, its certain that the routes global appeal will continue through 2013. The Lake Express is a waterjet-powered catamaran previously made popular on many routes throughout the world. Lake Express was designed by Austal , a designer and manufacturer of high performance aluminum vessels with a specialty in fast ferries, and was built in Mobile, Ala. The vessel includes a number of modern features including a computerized ride-control system that provides smoother handling and passenger comfort on the open lake. State-of-the art radar, fire suppression systems, Global Positioning systems and other safety features ensure that the ship provides stateof-art comfort and safety for all on board.

Boasting 4 Detroit Diesel MTU engines generating a total of 12,000 horsepower, the Lake Express rockets across Lake Michigan as many as six times daily at speeds up to 40 mph, more than twice as fast as the previous generation of ferries serving Milwaukee and Muskegon. The waterjet propulsion system allows the ship to accelerate and stop much more quickly than traditional ferries and allows gives its captains the option of walking the ship in virtually any direction imaginable. The daily Milwaukee departure features a unique pairing of the ship sliding out from its berth sideways then turning 180 degrees on a fixed point in a maneuver not unlike a hovering helicopter. All of which contributes to the speed and ease with which the Lake Express departs and docks on its daily crossings. Passengers can ride with or without vehicles and can also rent vehicles in either the Milwaukee or Muskegon terminals. The vessel itself includes a number of passenger comfort amenities including first class style seating, some with tables and electrical connections. An onboard caf is available and monitors throughout the passenger cabin show a mix of movies. The passenger amenities of the ship also include an elevator and ADA compliant restroom, ensuring that all riders can fully enjoy the Lake Michigan shortcut. The agile Lake Express features modern first-class style accommodations for up to 250 passengers, with a drivethrough auto deck that can hold up to 46 automobiles or a combination of cars and motorcycles. Doors on both ends of the vessel make it easy for drivers to exit the ships auto deck within minutes of arriving in port, speeding them on their way. The Lake Express offers daily service between Milwaukee and Muskegon from early May to late October each year. Spring and fall schedules include two roundtrips daily and the summer schedule adds a third evening roundtrip. Advanced reservations are recommended and can be made online or by calling toll free 866-914-1010. The Lake Express website offers photos and videos of the ship in operation as well as full schedules, travel tips and recommendations, ticket pricing and the 24/7 online reservations. Visit www.lake-express.com for more information. Aaron Schultz is director of sales and marketing for Lake Express Ferry.

8742 Bethany Dr SW Byron Center, MI 49315 Phone: (616) 583-1577 Fax: 888-728-0045 Email: prupdate@businessupdate.com

5 Magnum Powder Coating: Changing and Growing

By Jane Whittington You might leave for work on any given day and make a few stops along the way. Get money from the ATM. Fill up the tank with gas. Stop into the bakery to buy doughnuts for the office. Park in a public lot. You havent even started your workday yet, and you may well have come into contact with products enhanced by Magnum Powder Coating in Grand Rapids. They have taken many of the metal items you have touched today and made them more durable, more attractive, better able to conduct electricity and more resistant to chemicals, electrical damage and tarnish. There are many types of finishes for metal parts. These include liquid paint, electrocoating and powder coating. A description of electrocoating from DuPont states, Electrocoating (also called e-coating or electrodeposition) is the process by which a metallic piece is submerged in a paint/water bath, and electricity is used to deposit paint onto the piece. Powder Coating, the technology used by Magnum Powder Coating, uses no liquids or solvents and is thus environmentally responsible. It offers both an attractive finish and one which resists corrosion for a long period of time. Powder Coating offers a wide range of colors, thicknesses, textures and temperature ranges. The technique uses heat to convert powder to a continuous film. The powder is comprised of plastics that have been ground to a fine powder and then mixed with other ingredients to provide the characteristics needed in the coating. According to the Bureau of Labor Statistics (BLS), a government agency which researches, analyzes and reports information about labor economics and statistics, Painting and coating workers typically do the following: set up and operate machines that paint or coat products; select the paint or coating needed for the job; clean and prepare products to be painted or coated; determine the required flow of paint and the quality of the coating; and clean and maintain tools and equipment. The BLS also reports that overall employment of painting and coating workers is expected to rise about nine percent from 2010-2020. In terms of work environment, the BLS says, Painting and coating workers typically wear masks or respirators, and they often must stand for long periods. When using a spray gun, they may have to bend, stoop or crouch in uncomfortable positions to reach different parts of the products. Skills important to workers in this field include artistic ability, since some workers make decorative designs; color vision, in order to blend new colors to perfectly match existing colors on a surface; and mechanical skills to operate and maintain sprayers. Magnum Powder Coating was founded in 1992 by Steve Couturier. At the time, he was working for a local furniture maker. Employees at the company were encouraged to come up with good ideas to make the business better, and Couturier began submitting ideas to the owners. The ideas were good enough that the owner of the company urged Couturier to become an entrepreneur and grow a business of his own. Couturier took his advice. According to his wife, Nancy Couturier, He bought a piece of equipment used for powder coating and started the business in our garage while both he and I continued to work full-time at our regular jobs. We continued investing in the business over the years until we were able to do this full-time. Eventually we grew enough that we moved into our own building. We kept growing and moved several times until we finally ended up in our current location. We started out renting but now own the building. It was 3,000 square feet when we bought it, and weve expanded it to 18,000 square feet. She continues, We may not be the biggest, but we have always tried to be the best. We have continually reinvested in the business. Because it can be difficult to find great painters, we have recently ordered a robotic system that we can program to do the painting. We are working on changing things around in our building so that well be ready when the robotics will be delivered in September. We dont plan to reduce the number of employees we have; they definitely arent being replaced by robots! After some training, we expect to be using robotics by October. Some large companies like Whirlpool have the robotic equipment, but well be the only job shop in Michigan that has this. Magnum Powder Coating receives parts from various companies and powder coats them to the companies specifications. They also can design and make the racks needed to enable the parts to go through the process. They also have the capability of coating parts with Plascoat, which is twice as thick as the regular powder coating and is used for specific projects which need to be food grade. It also is easy to clean so it is appropriate for sites where theres a problem with graffiti. Their usual powder coating can also be food grade. According to Nancy Couturier, We work on things like barrier gates for parking lots, ATM machines, parts used at services stations, food racks like you might see in a bakery and a lot of signage. We work with security companies, marketing businesses, rock quarries, and we coat conveyer parts for various manufacturers. We have chosen to stay away from automotive suppliers; we interviewed with several but felt it was just not a good fit for us. We have literally thousands of colors and finishes of all kinds too, like a metallic finish or a candy finish, which is very shiny and has a feeling of depth to it. She goes on, Right now we are working one shift, and we have a fourday week for our eight full-time employees. We also have about six part-time employees. We pay health insurance for our employees, have a 401K and offer incentive programs. We hire good people, and we want to keep them. Up until this year, Magnum has done custom work on boats, furniture, motorcycles and other things, but they are moving away from this and choosing to be a production shop and focus on higher volume jobs. Magnum has never done any marketing and has no sales force but relies on word-of-mouth, which is working well for them; they are known to have a quality product, superlative customer service and reasonable prices. Nancy Couturier is now the owner of the company while her husband is the operations manager. Being a womanowned business is an advantage to their customers as there may be incentives to working with a business owned by a woman or a minority. Continued on page 6

5500 West River Drive, NE Comstock Park, MI 49321 Ph:616.785.3155 Fax:616.785.3605 www.magnumpowdercoating.com

A Big Thank you for your leadership and dedication!!!

2013 is a year of change at MPC

18,000 sf powder coating facility with 1100 enclosed line.

Robotic Powder Coat System

added for highest quality finish, on every part, every time, with quicker turn times,coming this fall.

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6 American Seating Showcases Designs for Learning at NEOCON 2013

Grand Rapids - American Seating announced today that it will be introducing a new freestanding table line, a new wood base chair, a stackable table and Us Chair active learning accessories at this years NeoCon Worlds Trade Fair being held in Chicago June 10-12. Under the theme Designs for Learning, all of the products are specifically tailored to the meet the needs of the ever-changing and demanding higher education market. They have also been designed to coordinate with the award-winning Us Chair Family introduced during last years NeoCon. Each of the new products the Us Wood Base Chair, the Us Table Line, the dek Table and the Us Chair accessories will be smartly displayed in Americans Seatings permanent showroom located on the 10th floor in space 148. American Seating partnered with the Object Agency to design this years NeoCon showroom. The introduction of these new freestanding products provides a strong complement to the companys leading fixedseating market presence. It also further supports American Seatings 127-year history of providing learning solutions for the education market. Explained Vice President of Marketing Deb McDermott, American Seating introduced the revolutionary student-desk combination in 1886, which set the seating standard in the education market for decades. Today, were using our expertise and experience and combining it with exhaustive research to help meet the dynamic ways in which student learning takes place and teachers instruct today. The focal point of the American Seating showroom will be the new Us Table Line. Developed to provide design continuity with the Us Chair Family, four tables representing the broader product line will be on display. Available in casters or glides, the easily movable and configurable tables can accommodate active learning environments and can be arranged in multiple ways for peer-topeer or small- to large-group collaborative learning settings. The table lines rigorous engineering ensures long-lasting durability. The full line will offer a wide range of rectangular, square and round tables in various table-top depths, colors and edge options. American Seating Designs for Learning NeoCon 2013 The company will also be showcasing its new Us Wood Base Chair. Complementing the other freestanding and fixed-base products within the Us Chair Family, it provides a striking study of aesthetic contrast, specifically between the rich and sophisticated-looking wood base and plastic seating shell. The multiply wood base, available in an Ash or Walnut face veneer with a clear coat finish, is perfectly juxtaposed against the textured, gently curved shell, which comes in 15 exciting colors such as Summer Plum and Swimming Pool. The first line of Us Chair Family products were developed in partnership with noted industrial designer Jeff Weber of Studio Weber + Associates and renowned colorist, Laura Guido-Clark, of Laura Guido-Clark Design. American Seating will also be showcasing its dek Table, a lightweight stackable table that can also be used with Us Chairs or American Seatings time-tested Acton chairs. Us Chair accessories, which can further enhance the students active learning experience, will also be on display. Our extensive on-campus research over the past several years shows that learning can happen anywhere from a traditional classroom to common areas, said McDermott. We also know that learning environments need to be flexible and dynamic to accommodate todays instructor needs with student learning styles. Our broad portfolio of fixed and freestanding products enables us to be anywhere on campus where learning happens. We have a solution not only for specific product needs but for entire space needs as well.

Industrial Briefs
Grand Rapids The Right Place, Inc., in collaboration with Michigan Economic Development Corporation and Plainfield Charter Township, announced newly-formed Belmont Engineered Plastics - injection molding operation and extension of Tennesseebased Fort Defiance Industries and R&S Logistics - will be expanding with support of a $900,000 performance-based grant from Michigan Business Development Program through Michigan Strategic Fund. Belmont Engineered Plastics will invest several million dollars to create 62 new jobs and retain 50 jobs at the former Kimberly-Clark production facility; Plainfield Charter Township is expected to offer local supporting tax abatements. Galesburg & Comstock Comstock Community Center announced diversified industrial manufacturer Eaton provided $10,000 to Comstock Community Center (CCC) to help fund the non-profit organizations $2 million capital and support CCCs Ready, Set, Grow! campaign. The $10,000 donation from Eatons corporate office follows contributions last year totaling $6,000 from the companys Vehicle Group facility in Galesburg (Adopt-an-Agency program), with the 16-member Warranty team volunteering 384 hours of time on programs. New Hudson Alta Equipment Company celebrated grand opening of their new Metro West Construction Equipment Headquarters, a state-of-theart 70,000 sq. ft. facility with the latest innovative technology in construction equipment service. The building features a spacious sales showroom, an extensive outdoor inventory display visible from I96, large service area with overhead cranes, and a paint and rebuild center. The facility was designed to bring a change in how construction equipment is repaired and displayed. Grand Rapids Cascade Engineering announced promotion of Christina Keller to President of CK Technologies (CKT), a key Cascade business unit specializing in innovative technologies for the commercial truck and bus industry, and will lead business strategy and operations at CKTs four facilities in Mount Airy, N.C., Montpelier, Ohio, and Brownsville and Fort Worth, Texas.

Magnum Powder Coating

Continued from page 5 Magnum Powder Coating is a nimble business that is proactive and willing to make the changes that are necessary to make the company responsive to the needs of its customers. As Couturier says, We are constantly improving, upgrading, evolving and becoming more energy efficient. And we dont just promise quality; we deliver. Jane Whittington is a freelance writer and editor who lives in Grand Rapids.

7 North Coast Components Going Strong

By Jane Whittington North Coast Components, Inc. in Hudsonville, a wholesale distributer of electronic and industrial automation components has been in business since 1985. The owner, Mary Nienhuis, was the winner of the 2011 Top Woman Owned Business in the $4 million-$6.99 million category. The success of the business is a testament both to Nienhuis and her 20 employees whose promise is: We strive to provide products and services that exceed our customers expectations. Nienhuis says, We sell to OEMs (Original Equipment Manufacturers) located primarily in Michigan. Our customers manufacture electronic products using our components. We function as the middle man between the manufacturers of the components and the manufacturers of the final product. We purchase from component manufacturers who have authorized us to be their distributor. She continues, Our customers buy from us because we carry an inventory to support their fluctuating requirements. We also provide sourcing assistance by consulting with them on the best component for their individual needs. Purchasing from us allows them to buy smaller quantities and receive them Mary Neinhuis just in time. The companys customers are mostly in the industrial area, but they do some work with medical companies, the recreation business and machine builders. Their website lists the extensive range of components they carry. North Coast Components maintains a vast inventory in their 10,000 square foot facility. The company moved into the current facility, which they built, in 1997. Nienhuis says, Our previous facility was only 3,000 square feet, and we simply outgrew it. Nienhuis purchased the company in 1997 and saw the company through the move to their current site. At the time of the move, North Coast Components began wire harness manufacturing. According to Nienhuis, We make wire and cable harnesses and also produce small electrical box builds. Our largest harness customer is Brunswick Bowling and Billiards, which supplies product worldwide. Constructing the cables is done in our facility. We do similar assemblies for other industries manufacturing them to the customers specifications. North Coast Components recently received Brunswicks Crown Club Supplier of the year 2012. The company currently employs about 20 people. Nienhuis is justifiably proud of the number of employees who have been with North Coast for a long time , the average tenure is approaching 10 years. In addition to employees who work in the warehouse and in the manufacturing side of the business, North Coast also has a sales force who market products and services offered by the company. They also get a lot of business through word-of-mouth marketing as current customers relate the quality service they received. During the recent economic downturn, North Coast saw a decline in business but activity is increasing and Nienhuis says that business is strong and getting better. Nienhuis studied education in college but, unable to find a job teaching high school math, went to work as a buyer of electronics and continued working in that field, joining North Coast Components in 1991 as General Manager. She purchased the business in 1997. Nienhuis says, It was a risk, but my husband and daughter were very supportive. And it has all worked out well! We have the capacity to grow, and we continue to look for new business. She says, While this is not a typical woman-owned business, I dont see either an advantage or disadvantage to being a woman in this business. You still need to provide exceptional services and products, and thats what we do. Jane Whittington is a freelance writer and editor who lives in Grand Rapids.

Industrial Briefs
Grand Haven Hot-Logic, division of Haven Innovation, introduced the ideal appliance for modern day cooks - HotLogic 400, a fully automatic oven and ultimate slow cooker, allowing users to cook their meals to perfection while they go about their busy day. The oven utilizes a unique, patent pending conduction heating process that gradually heats meals in a fashion that preserves moisture and enhances flavors - resulting in better tasting meals. Meals are heated to a perfect serving temperature in 45-90 minutes, and are then held at a pathogenic safe temperature until the user is ready to eat. The oven is available in 4, 8, 10 and 24 shelve sizes so it is ideal for use at home as well as industrial/institutional venues. The 10 and 24 shelve units are specifically designed for high usage and are certified to NSF standards for commercial food warming. Belding Hydro Aluminum installed a Belco Automatic Die Cleaning System several months ago, upgrading from a process that relied on a greater amount manual operation for die cleaning. Nearly all self-contained, safety is key with Hydros new Belco system eliminating operators coming in close contact with caustic substances while wearing protective equipment under a ventilation system. Grand Rapids Crystal Flash Energy announced it acquired some of the assets of Sturgis-based CA Murphy, its fifth acquisition in the past 16 months, which will now enable Crystal Flash to expand its service to residential and commercial customers in the Michigan-Indiana border area.

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8 Consumers Embrace New Fuel Economy Standards

Washington, DC Consumer demand for more fuel-efficient vehicles is high and the nation is well on its way to establishing a more fuel-efficient vehicle fleet, according to new research released today by the Consumer Federation of America (CFA). The analysis, On the Road to 54.5 MPG: A Progress Report on Achievability, provides the first ever progress report, on the response of consumers and automakers as both begin to experience the effects of the newly adopted 54.5 miles-per-gallon federal fuel economy standard. Looking at current market offerings, consumer purchasing trends and our surveys of consumer demand, there is no doubt that the federal effort to significantly raise fuel economy is benefiting, consumers, car companies, autoworkers and the environment, said Jack Gillis, report co-author who is CFAs Director of Public Affairs and author of The Car Book. Poll: Consumers Strongly Support Higher Mileage Standards A new nationwide poll, the first by CFA since the federal adoption of the new standard last year, finds that a large majority of Americans support federal government requirements to increase the fuel economy of new cars to 35 miles per gallon by 2017 and to an average of 55 miles per gallon by 2025 (using CAFE ratings). Top findings include: Eight-five percent of respondents said they support the requirements, with more than half (54 percent) saying they strongly support the standard. This remarkable support extends across the political spectrum, with 77 percent of Republicans, 87 percent of Independents and 92 percent of Democrats saying they support the higher standard. Fuel economy will be an important factor for 88 percent of respondents in their next vehicle purchase (59 percent say it will be a very important factor). Those who say fuel economy is very important expect to get twelve miles more per gallon (mpg) from their next vehicle than those who say it is not important. Consumers intend to purchase even higher mileage vehicles going forward. Those who indicated that their current gas mileage was 24 mpg and who intend to purchase a vehicle in the future, expect a seven mpg increase, or to get 31 mpg from their next vehicle. More than half (57%) of respondents who said they intend to purchase a SUV said they want its fuel economy to be at least 25 mpg. These results should lay to rest any concerns that some car dealers had about consumer demand for more fuel efficient vehicles, said Gillis. In spite of the support of car companies, unions, consumer and environmental groups, the National Automobile Dealers Association was the only major entity opposed to the new requirements. Consumers Increase Purchase of Higher-Mileage Vehicles The gas mileage of popular cars, pick-ups, and vans has increased significantly in the past few years, with the percentage of popular vehicles getting at least 30 mpg tripling. Comparing popular 2009 models with 2013 models, the new analysis shows that the percentage of vehicles getting at least 30 mpg rose from four to 12 percent. Over the same time period, the percentage of popular vehicles getting at least 23 mpg rose from 30 to 56 percent; and the percentage getting under 22 mpg fell from 70 to 44 percent. In part, this increasing mileage reflected the growing popularity of fourcylinder vehicles. In 2005, less than 30 percent of the vehicles purchased had four-cylinder engines, and in 2012, nearly half of those purchased had four cylinders. What is remarkable is that improvements in engine efficiency, driven by the standards and consumer demand, resulted in a significant increase in four-cylinder vehicles with little compromise in performance, said Mark Cooper, CFAs Director of Research. Increasing mileage performance is also reflected the growing sales of hybrid and electric vehicles, which have doubled in sales during the past four years to over half a million vehicles. Electric Sales Promising Particularly significant is our examination of the current adoption curve related to electric vehicles. Despite what many media pundits would have you believe, consumer acceptance of those vehicles is higher than acceptance of hybrids when they were first introduced, said Cooper. As battery technology improves and prices go down, there is no question that electrics will play an important role in meeting consumer demand for higher efficiency. Consumer demand for highermileage and alternative fuel vehicles is clearly a function of the enormous impact that gas costs have on the average wallet. In looking at what consumers paid for gasoline in 2012, we determined that the average car owning household spent $3000. Thats 50 percent more than the total amount they spent on the energy costs needed to run their homes, said Cooper. Our analysis has consistently shown that increases in vehicle prices are more than offset by savings from gasoline purchases. Automakers Increase the Gas Mileage of the Vehicles They Manufacture Spurred by the higher government standard and greater consumer demand, automakers are increasing the mileage of the vehicles they produce. Between 2009 and 2013, the percentage of total available models getting at least 30 mpg rose from one to nine; the percentage getting at least 23 mpg increased from 19 to 45; and the percentage getting less than 15 mpg fell from 15 to three. In part, this increasing gas mileage reflects the decision of automakers to improve the fuel economy of new series vehicles those with significant design changes. Each year from 2010 to 2013, the average fuel economy for these new series vehicles increased by an average of 2.2 mpg over their previous series, said Gillis. Over the past 6 years, there were even greater mileage improvements for many individual models. Standouts include the Chevy Malibu (went from 20 to 29 mpg), the Honda Accord (went from 24 to 30 mpg), the Nissan Altima (went from 26 to 31 mpg), the Ford Escape (went from 19 to 25 mpg), and the Ford Fusion (went from 21 to 26 mpg.) In addition, many car companies have vehicles on the market that are already meeting the new standard. We examined the 2013 vehicles on a model by model basis. Looking at the 134 different car models available in 2013, 64 (49 percent) include a model that already meets the 2014 mpg standard. Thirtytwo (24 percent) have a model that meets the 2017 standard and 12 models (nine percent) already meet the 2025 standard. The decision to reform and restart the fuel economy program has played a much larger part in triggering the increase in fuel economy than gasoline prices, although they matter too, Cooper said. The impact of the standard and the dynamic response of the market are strong indicators that the long-term goal of 54.5 miles per gallon by 2025 is achievable and in the consumer and national interest, which is why it enjoys such widespread support, added Gillis.

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9 Energy Distributor Helps Municipalities, School Districts Save Money

Grand Rapids After joining Alliance AutoGas Network six months ago, Crystal Flash has secured its first three Michigan customers. The Grand Rapids-based energy distribution company has been working with Flint Mass Transportation Authority, Charlotte Public Schools and Reed City Area Schools to supply their vans and buses with propane autogas, a fuel that is nearly as efficient and powerful as gasoline or diesel but with virtually no tailpipe emissions. The largest of these, Flint MTA will bring 60 new propane-powered regional vans into service on June 15 on its way to building a fleet of 92 within the next year. Reed City has purchased and put six new propane buses into service while Charlotte has replaced five of its old diesel buses with new propane vehicles. All three operations agree that the new propane-powered vehicles provide a quieter ride, cost less to run and require less maintenance. They also get up to speed faster than their diesel counterparts and boast a faster take-off after stopping. We welcome Flint MTA, Charlotte and Reed City schools to the Alliance AutoGas family, said Crystal Flash President Tom Fehsenfeld. Autogas is a smart choice for many light-duty vehicles from both a financial and environmental perspective. We were gratified to help these three forward-thinking organizations make the switch to propane and look forward to securing even more converts to autogas a cleaner and more affordable alternative fuel option. Unlike ethanol, biodiesel and other alternative fuels, propane autogas is cheaper to produce and easier to supply. Fleets that run on autogas currently save approximately $1.50 per gallon over those that utilize gasoline. It is also about 1/15 of the cost to build an autogas station than one compressed natural gas, or CNG, station. That was critical in Flint MTAs decision to make the switch, according to General Manager and CEO Edgar Benning. When the transport authority which serves seniors, the disabled and other passengers in 640 square miles around Flint began taking a hard look at cutting costs, it didnt take long to settle on autogas as the best option among alternative fuel sources. Given the job losses and impact of the real estate bubble in our community, we had to find ways to reduce costs while doing the responsible thing for our environment, Benning explained. We looked at hydrogen, natural gas and other fuels, but they all had significant barriers to entry. With autogas, we had no special storage requirements and found it relatively easy to train the drivers on how to fuel the vehicles. Everything about the conversion was a win-win. Those who have had a chance to ride the new propane-powered vehicles we have in service think they are really exceptional quieter, yet lots of pep that delivers an outstanding performance. Benning said that Flint MTA experimented with its first two propane vans in 2011 before jumping in in a big way this year. Its upcoming delivery of 60 new vans will allow it to replace most of its current fleet vehicles, which have anywhere from 350,000 to 700,000 miles on them. Flint MTA also has funds and will begin to purchase 34 mid-sized buses, similar to those used by school districts. Combined, the two fleets should have 150-160 propane-powered vehicles by the spring of 2014 giving Flint the largest propane fleet in the country. The savings have already started to add up. From an environmental standpoint, Flint MTA has reduced carbon dioxide emissions by 60 percent with its new vehicles. Benning estimates they will reduce fuel and maintenance expenses by $500,000 this year. As more vehicles come online, that will jump to $750,000 in 2014 and beyond. While the numbers arent in for the Charlotte school year, Belinda Hoyle said the district is already saving on fuel and maintenance with the five new propanefueled buses that are in operation. Charlotte Public Schools operates 16 routes that cover 124 square miles of territory south of Lansing, and Hoyle eventually wants to replace all of her dieselburning buses with new propane models. The buses are quieter than my car, said Hoyle, transportation supervisor for the district. They require fewer oil changes and less replacement parts. While we are getting fewer miles to the gallon, the propane is cheap enough that it has made up the difference in the costs. We see the financial and environmental benefits to using cleaner-burning fuel. Hoyle encourages other districts to do their research and compare conversion and operating costs when considering a switch to propane. For Charlotte, the initial investment has been worth it particularly since the district was able to secure a grant from the EPA to offset some of the costs. Paul Lewis in Reed City agrees. His district, situated equidistant between Grand Rapids and Traverse City, purchased six new propane-powered buses this year to carry students on six of their 15 routes, which cover over 215 square miles. The driving force behind that switch was the price, Lewis notes. While propane-fueled buses are a little more expensive upfront, the lower fuel and maintenance costs make them worthwhile over the long term. Crystal Flash has been a great partner, noted Lewis, facilities and transportation director. They put in a filling station with their equipment, so we didnt have to buy our own. They resolved what few start-up problems we had, and our program is now up and running well.

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10 Pure Michigan Woods Design Challenge Turns Furniture Design into Economic Engine
Grand Rapids - Whats made in Michigan? Incredible raw materials. Stunning original design. And partnerships that lead to greater economic prosperity across the state. On April 30, a group of students from Kendall College of Art and Design learned first-hand how design can translate into dollars when the winners of the first Pure Michigan Woods Design Challenge were announced. The Michigan Pure Wood Works CoOp reached out to Kendall Dean Max Shangle with the idea for a contest that would highlight value-added wood products and utilize northern Michigans rich supply of both natural resources and talent. The goal was to generate studentdesigned furniture that represented Pure Michigan, was made with materials from Michigan, and could be completely designed and manufactured in Michigan. With support from the Michigan Economic Development Company (MEDC), the Northeast Michigan Council of Governments, contest organizer Dennis Valkanoff, and Kendall instructors Monty Simpson and Bruce Mulder, the contest quickly came together. All of Kendalls Furniture Design classes, from entry level to the capstone course, used the challenge as the basis for a four-week class project, with the option to enter their finished work in the contest at the end. A field of 13 contestants presented their work to a panel of judges including Scott Glenn, Vice President of Merchandising for Slumberland Furniture, Aime Fitzhugh, Vice President of Merchandising for Gardner-White Furniture, and Steve Silver, CEO of Steve Silver Co., one of the largest occasional furniture companies in the U.S. Additional judges included Amanda Holberton and Lowell Eastman from Michigan Pure Wood Works, and contest organizer Dennis Valkanoff. The judges evaluated the collections based on how well they represented the theme, aligned with market trends, and met the Co-Ops manufacturing criteria. Valkanoff said the panels discussions revolved around three key points. First, was there a true focus on making it a pure Michigan product? Secondly, we had to analyze the materials and manufacturability--and we determined we could manufacture anything. The final discussion was about retail. As I told the students, it may be beautiful, but I want to make you some money on the side. While the contest was originally designed to select two runners up and a first prize, the judges were so impressed by the ideas they saw that they asked to add an additional winner. Mark Kinsler, Vice President of Business Attraction for MEDC, was invited to announce the awards. The three runners up, in unranked order, were Lily Zhengyi Hou, Evan Fay, and Lane Risdon, who each received a cash prize of $500. The first prize of $1,000 was awarded to Christopher Eitel. Each of the four finalists will work with the Co-Op to have their collections produced and presented at a Michigan show like a mini High Point, according to Simpson. Michigan Pure Wood Works will start production of the top three designs in the summer of 2013, and Pure Michigan Furniture will be available in Michigan stores in the fall of 2013. All four winning students will receive royalties from future sales. insler told the students, When I was asked to be a part of this, our goal was to help create more and better jobs with natural resources made in Michigan. The most important asset is you, the designers. Youre exactly the kind of talent we dont want to leave the state, so we have to provide an opportunity for you to find a fulfilling job, work on creative and important projects, and make some money to earn a living for yourself and your family. Judge Aime Fitzhugh was enthusiastic about both the goals and results of the event. This is the kind of program we need to inspire young people in the furniture industry, he said. Watching them take an idea from paper to product is very inspiring. It creates opportunities for students and production, and in the end it resulted in great designs that we can convert into retail. Steve Silver was so enthusiastic that he has offered Hou an internship. She will join him at Steve Silver Co. in Texas for the summer. Looking back at the process, Simpson said, This has been a great opportunity for all of the students to be able to design products. Any time theyre tasked with working with information, doing drawings, and carrying their ideas all the way through production, its a great experience. It was interesting to see how each of the students chose different elements that represented Pure Michigan. Each of their collections had something that the judges liked. They did a fantastic job, and I could see every one of their collections being placed and sold.

Hines Corporation Acquisition of Crane Carrier

Spring Lake - Hines Corporation of Spring Lake, MI announced its acquisition of Oklahoma-based Crane Carrier Company, a top manufacturer of custombuilt, heavy-duty diesel, CNG and hybrid truck chassis. The purchase of Crane adheres closely to the Hines Corporation vision of bolstering existing business potential and fostering new growth for each of its companies. Crane will operate autonomously under its existing name at its Tulsa facility, where it engineers, manufactures and distributes chassis for mobile drill rigs, refuse collection, well service and other specialty applications. Hines will provide hands-on strategic and operational support to promote Cranes continued growth. Crane complements the operations of Hines-held, New Philadelphia, OH based Kimble Manufacturing Company, a maker of concrete mixer trucks and custom chassis for the mining, utility and energy sectors. While still functioning independently, each company will capitalize on the others strengths, including geography, best practices, and Cranes network of over 47 dealers and a combined 175 independent sales and service locations in the United States and Canada. The acquisition of Crane will raise Hines current number of operating companies to seven, collectively employing over 700 people.

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11 Embrace Life Fully: Grand Rapids Center for Mindfulness

By Jane Whittington Todays world is a busy and complicated one. It can be difficult for us to find balance between careers and families while still staying in touch with friends and making time for ourselves. We rush to work in heavy traffic and then sit in front of our computers trying to meet deadlines while still doing good work. We check e-mail, Facebook, Twitter and text messages constantly, never disconnected from the technology that assails us with questions, demands and updates. Sometimes it seems we are rushing through life at fever pitch, never stopping to consider what would make us truly happy. Two women in Grand Rapids who understand the stress of modern life have made it their business to help people slow down, take the time to be calm, learn to de-stress and, in their words, Embrace life fully, one moment at a time. Embrace life fully, one moment at a time. Carol Hendershot and April Hadley are the co-founders of The Grand Rapids Center for Mindfulness (GRCM), a resource for exploring the practice of Mindfulness-Based Stress Reduction or MBSR. MBSR is explained on their website as an 8-week, experiential course designed to walk you through a series of mindfulness practices in a supportive group environment. At the end of the course, each participant designs a flexible, daily mindfulness practice that can be successfully integrated into their unique life circumstances. Hendershot owned a yoga studio in Grand Rapids for ten years but sold it last year to concentrate on the Center for Mindfulness. She had used some meditation practices in her yoga classes, had practiced meditation herself for about 35 years and had studied with many prominent practitioners, including Jon KabatZinn, Professor of Medicine Emeritus and and taught by Hadley and Hendershot is a traditional, wisdom meditation coming out of Buddhism and its philosophy of addressing human suffering. While not a religious practice, Hendershot says that she finds that meditation often enhances an individuals spiritual beliefs whatever they may be. Once, the practice of meditation might have been considered alternative medicine, but it has come to be accepted as beneficial in the treatment of chronic pain, cancer, fibromyalgia, anxiety, depression and PTSD. It is being taught in medical schoolsin fact, Hendershot and Hadley will be lecturing to Michigan State University School of Human Medicine students this month. The military is using it to prepare its forces for deployment and to ease their transition back into civilian life. Schools are becoming interested in using mindfulness meditation for students and teachers. Hadley worked with teachers at Fountain Montessori School in GR this year to introduce them to the practice both for themselves and their students. Hadley will be taking more training this summer in using mindfulness meditation with children. GRCM holds monthly meetings for professionals like doctors, nurses, social workers and therapists who are interested in using meditation in their own work with patients and clients. The core of GRCM is an eight-week program which is described on their website: During the course you will become familiar with a range of formal mindfulness meditation practices including body scan, sitting meditation, walking meditation, gentle mindful yoga and eating meditation.One of the most powerful dimensions of the course is the shared experiences of class members taking this eight-week journey together. Participants and teachers learn from, help and support each other. Jane Whittington is a freelance writer and editor who lives in Grand Rapids.

Carol Hendershot
founding director of the Stress Reduction Clinic and the Center for Mindfulness in Medicine, Health Care, and Society at the University of Massachusetts Medical School and author of several books on the subject. Hendershot says, When I owned the yoga studio, people approached me to teach them meditation. I started meeting with interested students once a week but soon found that I was getting more and more involved in teaching mindfulness meditation. This was really my first love and one that had been essential in my own life. I feel to this day that the practice of meditation is the best thing I ever did for myself. She continues, April Hadley was one of my students who took my class a couple of times. The two of us began talking about starting a center specifically for the practice of meditation, and these conversations led to the formation of The Grand Rapids Center for Mindfulness. In order to devote my full attention to it, I sold the yoga studio in 2011, and April and I now concentrate on the GR Center for Mindfulness. The form of meditation practiced

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12 Lack of Full-Time Hours, and Training as Barriers to Recruiting and Retaining Direct-Care Workers
Michign - The first statewide surveys of Medicaid-funded, home and community-based services (HCBS) providers designed to capture data and information on the direct-care workforce have identified low wages, part-time hours, and the need for enhanced training as significant challenges to attracting and retaining direct-care staff to these programs. Through a grant from the Centers for Medicare and Medicaid Services (CMS) to the Michigan Office of Services to the Aging, PHI Michigan conducted surveys of providers in the Medicaid MI Choice HCBS Waiver, Community Mental Health (CMH) Waiver and Home Help programs in 2012 to determine the size, stability, and compensation of the direct-care workforce. Information on health care coverage, core competencies, and training was also gathered through the surveys. Surveys were also completed by directcare workers supporting participants in MI Choice and CMH self-determination waiver programs, and allowed for analysis of these workers based on their relationship to the participant. This effort was critical to ensuring that Michigan can meet the increasing demand for long-term supports and services that older adults and people with disabilities depend on, said Kari Sederburg, director of the Michigan Office of Services to the Aging. This survey has given us a better understanding of the needs of the states direct-care workforce and the challenges they face on a daily basis. It also has presented us with a great opportunity to create new and innovative ways to grow this much-needed profession and were excited to get to work. Home health aides are projected to be the second fastest-growing occupation in the state, increasing by 53 percent over the ten-year period ending in 2020. Personal care workers are expected to grow by 42 percent in the same time frame. According to the states Labor Market Information service, about 25,000 new workers for home and communitybased services are needed by 2020. Provider Organization Surveys Nearly 17,000 direct-care workers are employed by the 1000-plus provider organizations that responded to the three surveys. Provider organizations from the states Medicaid home and communitybased long-term services and supports programs reported: Low wages, part-time hours, and lack of mileage reimbursement are significant challenges to attracting direct-care staff. - The starting hourly wage in the CMH program is $8.73, and $9.09 for the Home Help and MI Choice program; - 60 percent of direct-care staff are employed part-time, at less than 36 hours per week; - Only one third of HCBS providers reimburse their direct-care staff for mileage and or gas for travel between participants. Retaining staff is a challenge for many HCBS organizations. - The average annual turnover rate is 34 percent for direct-care workers Providing affordable health care coverage is difficult for HCBS provider organizations. - 42 percent of responding organizations do not offer health insurance to their direct care staff, and those that do have low participation rates as a result of the high cost for workers Core competencies and training for the home and community-based directcare workforce must be expanded. Learning from employers about the direct-care workforce is a critical step toward ensuring that direct-care jobs are quality jobs that offer adequate wages, benefits, and training, said PHI Midwest Director Hollis Turnham. Quality jobs for direct-care workers lead to quality supports and services for elders and people with disabilities. Workers Serving Self-Directing Participants PHI Michigan also conducted companion surveys to learn more about the workers hired and supervised directly by participants in the MI Choice and CMH self-determination programs. Among the findings: Workers supporting self-directing participants are, overall, satisfied with their jobs. The majority of CMH workers supporting self-directing participants believe that training in certain core competencies should be mandatory. In MI Choice, 49 percent of workers are family members, compared to only 27 percent in the CMH-waiver programs. Most family members (65 percent) do not live with the program participant for whom they care. Family members who are paid caregivers tend to earn less than workers with no prior relationship to the participant. By quantifying information on the direct-care workforce and identifying workforce issues faced by organizations and individual direct-care workers, these surveys provide much-needed data to better plan for the delivery and develop policies for long-term services and supports in home and community-based settings, said PHI MI Senior Workforce Advocate Tameshia Bridges, who conducted the surveys. Results of the three provider surveys are reported in an executive summary, Findings from Surveys from Medicaid Home and Community-Based Provider Organization Surveys: Understanding Michigans Long-Term Supports and Services Workforce. More on the survey findings on self-directed workers is reported in Findings from Surveys of MI Choice and CMH Self-Directed Workers Executive Summary. All documents are available on the PHI Michigan website. Michigan is one of seven states to receive federal funding through a State Profile Tool to collect basic information on the direct-care workforce in HCBS programs. For more information on Michigans direct-care workforce see PHIs State Facts: Michigans Direct-Care Workforce and the PHI State Data Tool.

Health Care Briefs

Kalamazoo Bronson Cardiothoracic Surgery welcomed Physician Assistant Kelli Roe. Prior to joining Bronson, Kelli practiced in Pulmonary Transplant & Critical Care unit at Duke University Medical Center. Wyoming Metro Health Hospital is one of only 40 hospitals to receive a VHA Leadership Award for Clinical Excellence, which recognizes the hospital for achieving national performance standards for clinical quality, safety and patient experience. Muskegon Mercy Health Partners parent organization, Trinity Health, approved capital allocation for a $96.7 million expansion project for their Mercy Campus, the first step of a two-part approval process. Mercy Health Partners proposal requests 120,000 sq. ft. in additions and renovations, which would enable Mercy Health Partners to consolidate some duplicated services from General and Hackley campuses. Wyoming Metro Health Hospital received Environmental Leadership Circle Award, for the ninth consecutive year, from Practice Greenhealth for its leadership role in health care sustainability. Only 29 hospitals nationwide earned this award. Ludington Memorial Medical Center (MMC) signed a letter of intent to join Spectrum Health. The agreement, according to board and administration sources, will assure a future with a strong local healthcare presence, and preserve MMCs Board of Directors. Kalamazoo James "Chip" Falahee, Bronson's Senior Vice President of Legal and Legislative Affairs, was reappointed by Governor Snyder to the State Certificate of Need Commission for a three-year term, and re-elected as Chairman of the Commission. Grand Rapids Sandra A. Rempel, PhD, was named Spectrum Healths new Vice President of Research overseeing all clinical, translational and basic research at Spectrum Health, including planning, recruiting, quality, compliance and support of all clinical research activities. Big Rapids Mecosta County Medical Center Board of Trustees announced, as of July 1, 2013, the Medical Center will be known as Spectrum Health Big Rapids Hospital. Grand Haven Healthgrades - leading online resource to help consumers search, compare and connect with physicians and hospitals - unveiled their 2013 rankings placing North Ottawa Community Health System (NOCHS) among the top 10% of hospitals in the nation for Overall Orthopedic Services and Joint Replacement, in addition to naming the hospital as one of Americas 100 Best Hospitals for Orthopaedic Surgery, and a 5-Star rating for Overall Orthopaedic Services - Joint, Knee and Hip Replacement, and Hip Fracture Treatment procedures. NOCHS also ranked third for Overall Orthopaedic Services and ninth for Joint Replacement in Michigan. Kalamazoo Bronson Internal Medicine Oshtemo welcomed Sian Ghosh, NP, to its team.

13 Mercy Health Partners Comprehensive Breast Center Programs and Services

Muskegon As Mercy Health Partners (MHP) Be here Campaign prepares to launch a community-wide funding drive, MHPs Lakes Village Comprehensive Breast Center (CBC), one of only two such centers in Michigan, is close to becoming a reality. Slated to open in the fall, the center will become home for the areas most advanced breast cancer screening and treatment services currently offered at Mercy Health Partners and modeled after the successful CBC at Saint Marys Health Care in Grand Rapids. The 7,200-square-foot, $4 million center will provide MHP an opportunity to house extensive services it already provides patients under one roof. Those services include screening, diagnostics, treatment and survivorship care; digital mammography, minimally invasive breast biopsy, breast ultrasound and genetic testing and patient counseling services. One of the cornerstones to MHPs breast cancer services is the reduction of days between diagnostic mammograms and biopsies from an average of 19 days to just three days sometimes even less than that. When diagnosed early, the survival rate for localized breast cancer is 99 percent. The CBC also offers in-depth surveys, counseling and genetic testing to identify a womans risk to BRCA1 and BRCA2. Other key features will include an onsite education/information resource center, a patient nurse navigator program, high-risk patient monitoring and nutritional counseling. Future plans include adding salon services, therapeutic massage therapy and a boutique for womens special needs. The facility at Lakes Village campus, which should begin undergoing renovations by late spring, goes far beyond a bricks and mortar expansion, said Mark Fazakerley, MHP board member and Chair of the Major Gifts Committee of the Development Council and, who along with his wife Christine, has been a major proponent in bringing the extraordinary center to the community. I believe the Comprehensive Breast Center is not just another medical facility, but it is a center that is advancing the detection and treatment of breast cancer to another level here along the lakeshore, Fazakerley said. By providing the highest quality services and diagnostics, our patients will be more informed and have a greater understanding of the entire array of breast care services available. The bottom line is having this center here in our community will save lives. One of the primary goals of the CBC is to provide the fastest, most accurate information to reduce the time from initial imaging to diagnosis and treatment. The decreased time also helps reduce the stress and anxiety of patients awaiting results. In addition, each patient will have their own nurse navigator, who will help guide women, step-by-step, through whatever process the individual patient may need to undertake and serve as a liaison to the patient, family, and the entire breast care team. The centers staff is also working to increase awareness that all women 40 should have a mammogram every year and that the center has resources available to help cover the cost of a mammogram for women who are uninsured or under insured.

Women-Owned Businesses Growing in Number and Influence

By Jane Whittington Women-owned businesses used to be few and far between, but in todays world, women have made great strides and the glass ceiling is at least cracked if not shattered. American Express OPEN released a 2013 study from American Express OPENforum, a small-business arm of American Express, on womenowned businesses. The report was prepared for American Express OPEN by Womenable, a research, program and policy development consulting group whose mission is to improve the environment for women-owned businesses worldwide. They report that women-owned firms are growing both in number and economic stature. Using detailed analysis from the U. S. Census Bureau and compares the growth of women-owned businesses over two time periods: 1997-2002 and 2007-2013. The new report also analyses of the top 25 metropolitan areas and major industry groups. The states with the fastest growth in women-owned businesses during the past 15 years are the District of Columbia, North Dakota, Nevada, Wyoming and Georgia. The metropolitan areas with the highest combined growth in number of firms, revenue and employment are San Antonio, TX, Portland, OR, Houston, TX, Riverside, CA and Washington, D.C. Other highlights from the report include the following: Between 1997 and 2013, the number of women-owned businesses is higher than the national average and is growing at one and one half times the national average. The number of businesses owned by women has increased 59 percent since 1997. There are approximately 8.6 million firms owned by women. They generate more than $1.3 trillion in revenue and employ nearly 7.8 million people. While the number of women-owned businesses continues to rise, these businesses remain smaller than the average firm. Since 1997, the growth of the number of firms owned by women of color has skyrocketed. Sixteen years age, these firms comprised just 17 percent of all womenowned businesses. Today, firms owned by women of color now account for 33 percent of all women-owned businesses. Women-owned firms continue to diversify. The industries with the highest concentration of women-owned firms are healthcare and social assistance; educational services; other services; administrative support; and waste management services. Those with the lowest concentration of women-owned businesses are construction; transportation and warehousing; and finance and insurance. You can find the entire report at www.c401345.ssl.cf1.rackcdn.com/wpcontent/uploads/2013/03/13ADV-WBI-EStateOfWomenReport_FINAL.pdf

MI Among the Lowest Average Hospital Charges

Lansing - The Centers for Medicare & Medicaid Services released hospital-specific data on charges for the 100 most frequently billed discharges for fiscal year 2011 Wednesday, showing that Michigan ranks 41st lowest among the 50 states in the nation in average hospital charges. Michigan hospitals are committed to providing price information to consumers as evidenced by the fact that several individual facilities, as well as the Michigan Health & Hospital Association, have posted pricing and quality information online since 2008. More information on Michigan hospital pricing is available at www.mhakeystonecenter.org. This weeks Washington Post analysis of the 10 most common medical procedures showed that Michigan hospital charges are significantly below the national average for these most frequent procedures. Michigan hospital charges are on average, 21 percent lower than the surrounding Great Lakes states and 24 percent lower than the national average, according to data from the 2011 American Hospital Association survey. At the same time, Michigan hospitals have performed better on many quality measures than their national counterparts.

Jane Whittington is a freelance writer and editor who lives in Grand Rapids.

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14 New Holland Brewing Company $1 Million Beer Garden Expansion

Holland Just in time for summer Elzinga & Volkers Construction Professionals partners with New Holland Brewing on a $1 million expansion which includes a new 5,000 square-foot beer garden and patio deck with covered and uncovered outdoor seating. The beer garden, which opened at the end of May, will be the center of action at this weekends 2013 Hatter Days Street Party on Saturday, June 8th. It took the collaborative group comprised of designers, builders and brewers only 12 weeks to complete the expansion, which includes seating for over 100 additional guests, a renovated commercial kitchen, doubling the overall size with new equipment and cooking capabilities, expanded dinning menu options, new family restrooms and renovated bar area. The team met daily to discuss the unique details of the project and to make refinements to the overall design and schedule. Having the project team within blocks of the site was critical to completing this unique project in such a short time period, said John Parker, Project Manager and Vice President of Project Development at Elzinga & Volkers Construction Professionals. Our craftsmen fabricated the steel that make up the custom canopy with a pre-oxidized finish that is meant to look aged. Andrew Baer Architect was the projects architect. Andy has been working with New Holland since they moved to downtown Holland to occupy the old hardware store on the corner of 8th Street and College Ave. Andy, Dave White and Brett VanderKamp assembled this unique team of artists and contractors to implement their unique modern/rustic, community oriented environment. The concrete and perforated metal panel patterns, along the beer garden fence were designed by local artist, Rick Weese. The concrete was cast by Terrys Precast Products. Slats from whiskey barrels used in the production of Dragons Milk (a barrel-aged New Holland beer) were used as a wainscoting in the rear entry to the pub. Other West Michigan firms involved in the project include Landscape Design Services, Inc., Van Rhee Plumbing, Inc., Hoekstra Electrical Services, R A Holmes Construction Inc., Total Fire Protection Inc., and D 9 Systems Inc.

Construction Briefs
Grand Rapids For the eighth consecutive year, Progressive AE earned distinction as one of West Michigans 101 Best and Brightest Companies to Work For. Kalamazoo CSM Group welcomed Dennis Headrick, who will work as Project Manager in Augusta, Georgia. Holland Elzinga & Volkers Construction Professionals announced promotion of John Parker, as Vice President of Project Development, and brings extensive experience in project management, as well as business development to his new role. Ann Arbor Hobbs + Black Associates, Inc., announced receipt of IIDA Michigan Interior Design Excellence Award for best interior design in the Healthcare category for Oakwood Heritage Bone and Joint Institute. This prestigious award recognizes Hobbs+Blacks interior design team for their exceptional work designing the orthopaedic surgery based expansion and addition to Oakwood Heritage Hospital in Taylor, by providing a hotel-like aesthetic, creating a calm and family engaging atmosphere with high end fixtures and luxury finishes. Oakwood Healthcare has long been recognized as the leader in providing healthcare to the communities of Metro Detroit. White Pigeon Owen-Ames-Kimball Co. alongside White Pigeon Community Schools, announced they broke ground on five-year Sinking Fund improvement projects for the district with staff, parents, community members and students attending the public groundbreaking event. The Sinking Fund construction projects are a result of the overwhelming support of the community for passing the Sinking Fund renewal May 2012, by a two-thirds margin. The architectural firm for the project is TowerPinkster. The first year of work is scheduled to conclude this August at Central Elementary School with new parking lots, sidewalks, and pick-up and drop-off locations for parents. Electrical upgrades, plumbing and bathroom upgrades are also planned. Rockford Knockadoon will held a ribbon cutting May 20, 2013. Knockadoon consists of 23 one to two acre units +/within a community setting designed with walking trails, rolling hills, woods and wetland areas. This community of future Statement Homes will offer quality from luxury options and elevations making each building site unique. Grand Rapids City of Grand Rapids Planning Commission approved a Special Land Use permit for owners of McKay Tower to renovate the buildings second floor into a public banquet space called The Ballroom at McKay which intends to offer alcohol service and accommodate approximately 200 guests. Owners of the building intend to begin renovations immediately with completion by spring 2013. The project will cost approximately $800,000. Craig Architects of Grand Rapids is the project architect, and no general contractor has yet been selected. Grand Rapids Custer announced the addition of Emily Heilig to its Northern Michigan sales team, where she will play a vital role in supporting Custers commercial, healthcare, technology and architectural products initiatives. Brighton/Grand Rapids George Kandler, Director of ASTI Environmental's Property Services Group, was appointed to Michigan Housing Council's Board of Directors.

Legal/Accounting/Consulting Briefs
Grand Rapids Hungerford, Aldrin, Nichols & Carter, PC, awarded Grand Valley State University School of Accounting student Steven J. DeWaard a $2000 college scholarship, and hired intern Nate McCorry, full-time Staff Accountant, and Diane Rudnick, Administrative Assistant. Ann Arbor State Bar of Michigan Animal Law Section presented May 2013 Cooley Law School graduate Renee Edmondson with the Wanda A. Nash Award, an award created to honor a Michigan law student for contributions to animal law, and is named in honor of the first chair of the Section. Ms. Edmondson was selected from among other law students in Michigan, all of whom were nominated by their animal law professors. Caledonia Acrisure Benefits Group welcomed Sarah Hoffman, Senior Account Manager. Sarah is a licensed Life, Accident and Health Agent. Grand Rapids Hilger Hammond announced Attorney Mark Rysberg was admitted to the United States Court of Appeals for the Sixth Circuit. Grand Rapids BTI Consulting Group recognized law firm Warner Norcross & Judd, LLP, in BTI Brand Elite 2013, following a survey analyzing nine key factors clients rely on to differentiate law firms, including innovation, value, and client recommendations. Warner Norcross has been recognized by BTI Consulting on its Client Service A-Team for the past six years. Grand Rapids David G. Echelbarger, CPA, Shareholder and President of Echelbarger, Himebaugh, Tamm & Co., P.C., received Charter Global Management Accountant designation - global designation for CPAs working in business and government - a strategically vital complement to a CPAs credential by enhancing and powering their experience and career path.

Grand Rapids Miller Johnson announced Joe Doele, Mike Quinn, and Connie Thacker were trained through Collaborative Practice Institute of Michigan, and are now members of International Academy of Collaborative Professionals.

Midland Christin Decker Petroski joined Warner Norcross & Judd, LLP, where she practices corporate law with an emphasis on transactions.

15 Work Begins on $34 Million University Center Project at Ferris State University
Big Rapids The Ferris State University campus is getting a facelift that will result in a modern, future-oriented University Center to better meet the needs of students, faculty, staff and the community. Work has begun on the $33.9 million project to renovate the Rankin Student Center, a building constructed in 1957. Its current configuration includes 1960 and 1987 additions that no longer meet the university's focus on community. The new University Center, slated for completion by December 2014, will be a gathering place for the campus community and a home for its commuter students. Demolition is under way on Carlisle and Masselink residence halls, initially to provide a staging area for project contractors and eventually to create additional parking. President David Eisler said the new center will be a wonderful addition to the central core of our Big Rapids campus. The concept of creating interaction beyond the classroom is one of the guiding principles of the renovation, Eisler said of the project, a component of Ferris' campus master plan. This builds upon the success of the FLITE building and the establishment of a campus Quad in defining a community center for our university in Big Rapids. East Campus Drive will be closed, and demolition work on Rankin Center will begin in early July, said Mike Hughes, associate vice president for the Physical Plant and chair of the University Center Renovation Planning Committee. It's been a long time coming, Hughes said. This is an important project right in the heart of campus. About 80 percent of Rankin Center will be gutted and portions of it demolished, including the Dome Room. The bones will stay, Hughes said. Cameras will be installed on the roofs of Helen Ferris Hall and the Swan Technical Arts Building to provide live feeds of work on the project. A link will be added to the University Center Renovation page on the Ferris website here: www.ferris.edu/HTMLS/administration/adminandfinance/physical/renovation/index.htm. The University Center has been designed to be a gathering space for residential and commuter students, and will include a mix of dining, retail and entertainment options. It also will house additional meeting space for student organizations. The Ferris Bookstore and most academic and support services previously housed in Rankin Center will return. In the meantime, some of those offices have been temporarily relocated to Helen Ferris Hall. The residence hall houses the Center for Leadership, Activities and Career Services, and offices for Student Government and Entertainment Unlimited on the terrace level. Housing and Residence Life, Transfer Services Center, Veterans Program, First Lady's Attic and Bulldog Radio are on the first floor. The second and third floors will house students during the fall and spring semesters. The bookstore, which remained open for the first week of summer semester, closed on May 25 and will reopen Monday, June 3 at its temporary location in the Sears/Save-a-Lot Shopping Center. The university leased the space in the center just south of campus on Northland Drive to serve as a temporary home during the renovation. The Center Ice dining facility will reopen in the fall as Westside Cafe to fill the void left by the closure of Westview Dining Center. The Torch student newspaper has moved to the Student Recreation Center. The Rankin Art Gallery will be closed for the duration of the renovation, but art will continue to be displayed on campus in various locations. The University Center Gallery is expected to open in January 2015. Signage will direct the campus community and those visiting for new student orientation, summer camps and other events around construction areas. The majority of the project will be funded by a financial reserve the university has worked several years to build. The university has issued bonds to finance $13 million for the project's completion and to avoid any tuition increase or new student fees. About 1,000 bricks from Carlisle and Masselink halls will be saved and turned over to University Advancement and Marketing for potential use. The clock on the front of Masselink Hall will become the face of a two-story fireplace in the main west lobby of the University Center.

Education Briefs
Grand Rapids Davenport University announced the following faculty members elected to American Health Information Management Association appointments: Western Michigan Health Information Management Association President-Elect - Toni Windquist; MidMichigan Health Information Management Association: President Christi Beck; Treasurer - Lisa Kagay; Nominating Committee - Megan Tober, and Nikki Grondzik; Michigan Health Information Management Association: President-Elect - T.J. Hunt; Nominating Committee - Linda Sorensen; and Nominating Committee Chairperson Margaret Neterer; American Health Information Management Association Communities of Practice Advisory Committee - T.J. Hunt. Grand Rapids Grand Valley State University Board of Trustees voted to authorize four charter high schools including Covenant House Academy Grand Rapids, and Covenant House Academies Detroit to serve students between the ages of 16 and 22 - who are or were homeless, or former school dropouts - with specialized programming. Covenant House Academy Grand Rapids will be housed in the former Grand Rapids Public Schools Campau Park Elementary building, which the Grand Rapids Public Schools Board agreed to sell to Covenant House for $400,000. Grand Rapids West Michigan Center for Arts and Technology Adult Career Training graduate Eboni Jemison, Pharmacy Technician at Spectrum Health, received 2013 Participant Award from the Community Action Agency. Big Rapids Ferris State University, Christman Capital Development Company, the Christman Company, TowerPinkster Architects, Hopkins Burns Design Studio, and City of Grand Rapids were presented with 2013 Governors Awards for historic preservation. Ferris received the award for its renovation of the historic Federal Building in Grand Rapids. Allendale Grand Valley State University signed a reverse transfer agreement with Wayne County Community College District (WCCCD) in downtown Detroit. Big Rapids Ferris State University Board of Trustees voted to set tuition rates for the 2013-14 academic year, implementing a 2.24% increase for undergraduate tuition. Big Rapids Cohort Ones 23 graduates, who began their studies in summer 2010, participated in commencement ceremonies and received Doctorates in Community College Leadership from Ferris State University. Ferris created the three-year doctoral program for students seeking key leadership roles at mission-driven, 21st century community colleges nationwide. Grand Rapids Grand Rapids Community College Board of Trustees member Terri A. Handlin announced she is resigning from the Board effective August 31, 2013, due to personal family obligations. Big Rapids Daniel Ding, Professor of English in College of Arts and Sciences Languages and Literature at Ferris State University, was awarded a Fulbright Scholarship to teach international technical communication and conduct research on the topic through interviews and surveys at University of Debrecen in Hungary during the fall semester. Grand Rapids Davenport University hired Damon Gonzales, CFM, CFMJ, as Vice President for Facilities Management. Gonzales currently serves as Real Estate and Facilities Manager at Haworth, Inc., in Holland, and will begin his new role at Davenport May 20, 2013. Big Rapids Dick Antonini, 1964 Ferris State University Accounting graduate, received an Honorary Doctorate of Business and Industry from the University at Ferris 2013 commencement ceremonies.

16 Disability Insurance: The 60% Myth

By Gary F. Terry When discussing disability insurance, particularly as it refers to highlycompensated employees and professionals, there appears to be a distinct lack of understanding of the mechanics of disability income insurance coverage. Whether its an office worker or an executive, almost everyone says, I didnt realize that. Corporate executives, business owners, money managers, lawyers and others firmly believe that they are adequately protected and that their companys disability income plan provides them with 60% coverage. In other words, they are firmly convinced that should they become disabled, they will receive 60% of their annual compensation. That is the perception they hold. Unfortunately, in the world of disability benefits for highly-compensated individuals, perception is definitely not reality. Recently I met with the head of the human resources department of a large public company, and soon the conversation turned to a discussion about their disability insurance coverage. So, I asked, how much disability insurance does the company provide for its employees? He replied, We offer 60% income replacement to a maximum of $20,000 per month of benefit so, our employees earning up to $400,000 are fully protected. I thought about his response for a moment, and then asked, So, if I earn $250,000 of base salary and $150,000 in bonuses for a combined total of $400,000, I would be protected at 60%. Correct? He thought about my question and answered, No, actually, only base salary is covered under our Group Disability Plan. His response just further solidified what Ive discovered after talking with a number of companies. And that is the disturbing fact that for many companies, its Group Disability Coverage only provides 60% of base salary, with no protection for bonus income. So in reality, an employee has significantly less coverage than they think because they are receiving only 60% of their base salary, not their total income (including bonuses). Lets look at a hypothetical example. The Vice President of Sales for a consumer products company makes $400,000 per year, which includes a base salary of $250,000 and a bonus of $150,000. He is suddenly hospitalized for complications from diabetes and he goes out on long term disability. Its his belief that his monthly disability income will be $20,000 per month ($400,000 x 60% divided by 12 months). But think of his surprise when a monthly check shows up in the amount of $12,500 ($250,000 x 60% divided by 12). In this case, the key question that employees need to get answered is: 60% of what? Is it 60 % of base salary? Is it 60% of base salary, plus the annual bonus? Is it 60% of base salary, plus annual bonus and long-term bonus? Are the benefits taxable or tax free? What is the monthly benefit cap? Is it $15,000, $20,000, $25,000 or $30,000? There are many different ways benefits are calculated so this can be both complex and confusing. Some employees are covered at 60% of compensation while others are actually covered for as little as 20% to 30% of their net take-home pay after taxes. Lets look at another scenario. Bob is the Vice-President of Development at a software company, earning a $250,000 annual salary and $150,000 bonus, and suffers a stroke. The companys group plan provides 60% of annual salary and the benefit is taxable. His original pre-disability, after taxes take home pay was $21,667 per month or $260,000 ($250,000 + $150,000 minus 35% tax). Now his disability after tax benefit is $8,125 ($12,500 minus 35% tax) or $97,500 annually. Bob must now live on 37.5% of his pre-disability take home pay. Fortunately, there are supplemental disability insurance products available to solve the problem, and they can either be firm paid or voluntary. In the case of law firms, consulting firms and investment firms, there are other issues to face. In these types of businesses, its not uncommon for partners to earn well in excess of one million per year, with most benefits already structured as tax free. For these companies, the biggest problem is the benefit cap, which is usually $25,000 to $40,000 per month. This is either group only or a combination with traditional individual supplemental coverage. John is a law firm partner, earning $1.2 million a year. He has Multiple Sclerosis and goes out on disability indefinitely. He has $35,000 per month of coverage (Group LTD $25,000 and Supplemental coverage of $10,000). This means his original pre-disability, after tax take home pay of $780,000 ($1.2 million 35% tax) is now $420,000 ($35,000 per month). Now that he is disabled, he must now live on 46 percent less after tax income. Again, not a pleasant situation once youve established a certain lifestyle. But there are ways to avoid this happening. The London insurance market, specifically Lloyds of London, has been pro-actively involved with developing specialty insurance products for over 300 years. About 10 years ago, Lloyds recognized the opportunity to develop multi-life supplemental disability insurance coverage for the U.S. market to protect highly compensated employees that are otherwise limited by the benefit cap provided by the U.S. disability insurers. Now the highly compensated employees can obtain the additional coverage they need to more adequately protect their income, so John would receive an additional $25,000 per month from Lloyds for a total combined benefit of $60,000 per month ($720,000 per year), representing 60% income replacement, (Group LTD $25,000 traditional supplemental $10,000 and Lloyds $25,000). However, this new coverage has created a lot of confusion. The problem is that people are starting to refer to Lloyds disability products generically, like Kleenex tissue, when in fact, Lloyds of London is actually a market place that consists of over 50 separate underwriters writing insurance coverage on Lloyds paper with 85 different syndicates sharing the risk. The result is, that now there are several different products, some of which are dramatically better (more comprehensive) than others. Employers should review their disability programs to determine how best to solve the problem and they should be educated in the limitations of their current disability programs, as well as the supplemental products and strategies available to fill the gaps in coverage. Therefore, it is important to work with a firm that has the knowledge to obtain Lloyds of London coverage with the structure and definitions of disability that best meets your firms needs. Gary F. Terry is executive vice president and managing director of The Westport Group and has more than 30 years of corporate planning expertise associated with executive benefits.

Finance/Insurance/Banking Briefs
Grand Rapids Terry Walter joined Independent Bank as Saginaw area Residential Lending Sales Manager, and will be responsible for originating mortgages in Saginaw and Thumb areas. Grand Rapids David DeLaat joined Independent Bank as Residential Loan Officer at their Belding office, and will be responsible for mortgage and consumer loans for Kent and Ionia counties. Kentwood Regal Investment Advisors, LLC, announced their ranking among Forbes Magazine Top 50 Wealth Managers, and was ranked 14th on the list of Emerging Registered Investment Advisors in the United States. Sparta ChoiceOne Bank announced addition of David Crump to their home mortgage lending team. Ada Argus Financial Consultants announced Lisa Wilkie returned to the firm as Marketing Associate. Grand Rapids Independent Bank President and Chief Executive Officer Brad Kessel, and Senior Vice President Russ Daniel, joined more than 1,100 bankers who visited the nations capital to voice their concerns about how current banking proposals could impact the local economy. Troy Flagstar Bank announced a new checkless account SimplyOne where customers make purchases with an ATM card wherever PIN-based transactions are accepted including online purchases, and cannot be overdrawn so no overdraft or nonsufficient funds charges accrue. It cost one dollar to open, with a dollar monthly service fee, a dollar for each money order, and a dollar for a monthly statement, but electronic statements are free.

Communication & IT
Without Mass Notification Systems, the Silence Can Be Deafening and Fatal
By William F. Donahue IV Ever since there have been buildings theres been a need to alert people on how to get out of them safely in the event of an emergency. Three hundred and fifty years ago the prime danger was fire, which was the case when London was leveled by a conflagration that destroyed 13,000 buildings. Remarkably, only a few people perished as the warning system of the day, a ringing bell and people yelling out warnings in the street, proved sufficient. In 1871, the Great Chicago Fire leveled the same number of buildings but the death toll topped 300, the difference being that the Chicago blaze lacked a clear means of communication, coupled with more complex building structures. In short, there was no clear direction on a means to escape. Even when fire alarms became the norm in the 1900s, the piercing screech and flashing lights told you there was a fire, but not where the fire was, where the exits were, or even if you were heading into the inferno. In todays society, a world forever shaped by events like 9/11 and Katrina, fire is not the only peril facing occupants of buildings, whether they are schools, hospitals, apartment buildings or office buildings. In particular, school shootings, like those at Virginia Tech and Sandy Hook, cry out for a more sophisticated emergency communication system, to allow those in harms way to be alerted as to the precise nature of the danger and how to safely escape from it. Even as the PA system at Sandy Hook Elementary was crackling with gunfire and screaming, those in the school were still without necessary information; such as where is the shooter, how many shooters are there, and what is the safest exit route or next action? The ability to communicate real-time information in the case of a dangerous situation, to as many people as possible, via different technological routes such as voice via speakers, signage, email, texts, large loud speakers, computer monitor, and phone systems, is known as the Mass Notification System (MNS). Known as the National Fire Alarm and Signaling Code, this code provides the latest safety provisions required to meet society's changing fire detection, signaling, and emergency communications demands. In addition to the core focus on fire alarm systems, the Code now includes requirements for mass notification systems used for weather emergencies; terrorist events; biological, chemical, and nuclear emergencies; and other threats. The code covers the application, installation, location, performance, inspection, testing, and maintenance of fire alarm systems, supervising station alarm systems, public emergency alarm reporting systems, fire warning equipment and emergency communications systems (ECS), and their components. The genesis of the Mass Notification System as we know it today can be traced to June 25, 1996 when terrorists exploded a fuel truck adjacent to a housing complex in Khobar, Saudi Arabia, killing 19 servicemen and wounding 372 others. A year later, then Secretary of Defense, William Cohen, issued the Khobar Tower Report. This document concluded that there were lapses in force protection, no effective alarm systems, no emergency communications capabilities, and that damage and loss of life could have been minimized if there had been a plan in place to respond to the threat. By 2002, the document that brought emergency communications to the forefront of modern building design emerged. Known as Unified Facilities Criteria 4021-01: Design and Operation of Mass Notification Systems, this document establishes minimum requirements for emergency communications by way of the buildings fire alarm systems while recognizing their inability to communicate with people through voice in the event of nonfire emergencies. This prompted the NFPA to pick up the pace to develop new standards for Mass Notification Systems, and as a result, manufacturers of voice evacuation systems now have to address the task of producing systems to meet todays potential mass notification needs. Its easy to understand why fire alarm systems are inherently the right choice for use in mass notification. Fire alarm systems are code-driven and regulated. The circuitry is fully supervised, and the systems are periodically tested using NFPA guidelines. The rules, testing procedures and installation practices are already established, so fire alarm companies are able to hit the road running. Also, the first responders are already familiar with the fire alarm equipment. Both the governments and NFPAs actions reinforce the fact that the core of MNS exists, in many cases, in a buildings fire alarm system. Perhaps nowhere has the need for MNS become more in the forefront of the publics mind than the recent rash of shootings in our schools. Aside from the aforementioned Sandy Hook tragedy which claimed 26 lives, the horrific shootings on the campus of Virginia Tech in 2007 which claimed the lives of 32 students, is still an open wound when it comes to the mention of Mass Notification Systemseven though it appears, for the most part, the system worked well. Reports are that within six minutes after a VT security guard was shot, university officials had sent an emergency alert to students and faculty stating shots had been fired on campus and to stay inside. The system allowed university officials to send alerts via a number of mediums, including phone, email, text messages, desktop alerts, campus loudspeakers and digital signage. They were also able to alert students and faculty via any computer or mobile device with access to the Internet. Over the course of the afternoon, the university sent a total of six alerts with its mass notification system, dubbed VT Alerts, to keep students and faculty informed of the situation until the all-clear was given at 4:30 p.m.

17

"All the systems and all the things we planned to do worked extremely well," Virginia Tech President Charles Steger said at a press conference following the shooting. "Sometimes technology doesn't cooperate with you, but today it functioned extremely well." It is felt that one of the most effective methods of warning students of a potential danger is texting to a cell phone, since most college students see their phone as an additional appendage. However, such a system proves ineffective at the K-12 level, where the text messaging option is geared toward parents rather than students, as most school policies state that students cant use cell phones or have them turned on during the school day. In many cases during an emergency situation normal means of communications such as cell phones, landlines and Internet may be overtaxed or completely incapacitated. Using a system that is reserved for emergency situations, like the traditional fire alarm system, decreases the time required to notify staff, students or any occupant of a building or visitor to an area. Continued on page 18

Without Mass Notification Systems, the Silence Can Be Deafening and Fatal
Continued from page 17 This type of system is considered one of the highest levels of a comprehensive mass notification system and today is one of the least utilized. Many fire installation experts say theyre frustrated that school officials and building owners in general dont realize how valuable an emergency communications system/mass notification system can be in situations until it is too late. After all, adding a mass notification component to a fire system, particularly if the system already has speakers, is a pretty simple job. Yet many school officials or property owners, not just those at Sandy Hook, are unaware such an important option exists. The industry as a whole is just beginning to learn about these systems. Unfortunately, most school officials and property owners, and the engineers who design fire alarm systems for them, are not familiar with these systems, how they work, and how they should be implemented. This may be due to the many different technologies that can be integrated to provide a complete ECS or MNS system. In many cases, technologies and systems that were considered to be part of campus security and fall under their direction can or need to be integrated with systems like the fire alarm system which is considered to be part of buildings and systems in a typical campus setting. Mix this in with the fact that the best way to interconnect all these pieces would be through a computer network which is another department, budget and management group. All of these departments operate with their own valid concerns, budgets, responsibilities and groups of engineers they consult with. The bottom line is that there is, currently, not a single answer to a true mass notification system. It requires interconnection and communication between a variety of systems. There are many new devices that are available that can integrate with existing and new fire alarm systems that can convert or create a very reliable MNS system. One unique example is a small device similar to an exit sign that either flashes silently or makes noise and delivers text messages with instructions on how to react to the particular threat. Unlike traditional fire alarms where the natural response is to exit the building to get to safety, the MNS message may be to seek cover based on the existing threat. Unlike the traditional fire alarm with the red pull station that people around the world are familiar with, the pull station of the future includes a choice of fire emergency or shooter emergency among others, providing the appropriate notification response. Installation of a Mass Notification System is designed to save lives, a comprehensively designed system can increase the number of lives saved. It can be as complex as a system that reaches all areas of a campus inside and out, to a single sign on the highway that alerts thousands of motorists to a breakdown up ahead or a fire in a tunnel. Its all about system survivability, reliability and reaching the largest group possible in the shortest amount of time. And failure to install one can not only cost lives but also raise the possibility of serious financial liability. Its been reported that an attorney, on behalf of a student who survived the Newtown, CT shooting, is bringing a suit against the state of Connecticut for $100 million, stating that the Board of Education, Department of Education and state education commissioner all failed to protect the child "from foreseeable harm," including formulating and implementing an effective student safety emergency

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response plan. When Paul Revere alerted the colonists about an impending attack from a foreign enemy by flashing lanterns and riding horseback through the streets yelling at the top of his lungs, in many ways this was the 18th century equivalent of a Mass Notification System. Sadly, in todays world, where our attackers dont arrive in wooden boats but in our own fuel-heavy jet planes, and the enemy isnt always a foreign stranger but the boy who lives just down the street playing video games, we all need to be protected by the state-of-art technology that exists today. Because to be in a building without a Mass Notification System when something goes terribly wrong, the silence can not only be deafening, it can be fatal. William F. Donahue is President of Crown Supply Co., Inc., an award-winning distributor of electrical and fire alarm products, with locations in Providence, RI and Milford, MA. For more information visit www.crownsupply.com.

General Business
Spring Lake Vander Mill Cider & Winery, one of the Midwests largest craft cider producers, is introducing a new line of canned ciders. Earlier this year, Vander Mill completed a 3500-square-foot, $600,000 expansion at its facility in Spring Lake, including addition of fermentation equipment and canning system, which will produce 1800 16-ounce cans per hour. Owner Paul Vander Heide estimates his 2013 production to top 100,000 gallons. Fennville Virtue Cider announced appointment of Kent Beverage as their distributor in Western Michigan. Kent will cover 29 counties in an area that includes Grand Rapids, Kalamazoo, Lansing and much of Lake Michigan coast. Grand Rapids Van Andel Institutes Board of Governors named Christine Boelkins and Vicky Ludema were both presented with Carol Van Andel Angel of Excellence Awards and both worked directly with Mrs. Van Andel in the planning of VAIs Hope on the Hill gala, one of West Michigans most successful charitable events. Grand Rapids Ron Scott, Director of Membership Development for The Employers Association, earned certification as Senior Professional in Human Resources. Holland Service Corporation International (SCI) acquired Lakeshore Memorial Services, April 10, 2013. Mr. Dozeman, owner of Lakeshore Memorial Services, and SCI worked closely together to ensure a smooth transition, and are excited about continuing to serve families throughout Holland and Zeeland areas with the highest quality funeral services. Mr. Dozeman will continue to as a consultant for Lakeshore Memorial Services. Dowagiac Pokagon Band of Potawatomi Indians, owners of Four Winds Casinos, announced Matt Harkness was named Chief Operating Officer of its three Four Winds Casino properties while continuing as General Manager of Four Winds New Buffalo. Frank Freedman was named General Manager of Four Winds Hartford and Four Winds Dowagiac while continuing as Assistant General Manager of Four Winds New Buffalo. Traverse City Meghan Gamelin, Event Design Manager at Grand Traverse Resort and Spa, was named Up-andComing Special Events Planner by Michigan Meetings + Events Magazine. In addition, Grand Traverse Resort and Spa was named Best Hotel with Meeting/Event Space (more than 200 guest rooms).

Review of Pitch Anything

banker Oren Klaff suggests that how you pitch is more important than how many pitches you throw. You can win your audience by knowing how the human brain reacts to new information and by learning how to control each interaction by using frames. With Klaffs pitching method, you engage each listeners emotional croc brain and keep your audience members in a state of hot cognition until you win their business. getAbstractrecommends Klaffs perceptive methods and illustrative stories to everyone who pitches and presents. You might have logical reasons to read this, but your emotional response is what will keep you interested. Oren Klaff. Pitch Anything: An Innovative Method for Presenting, Persuading, and Winning the Deal. McGraw-Hill, 2011. 240 pages. ISBN-13: 978-0071752855. getAbstract is the leading provider of business book summaries, with thousands of titles covered. www.getabstract.com

Provided by www.getabstract.com Have you ever made a pitch or presentation that offered all the facts perfectly and countered every objection, but still fell flat after all your efforts? Investment

19 Happy Travels with Groskopfs Luggage and Gifts

By Jane Whittington Anyone planning a trip would do well to make their first stop Groskopfs Luggage and Gifts, as generations of Grand Rapidians have done over the years. Since 1881, the Groskopf name has meant the best in travel products plus a tantalizing array of items for gifting or keeping. With two stores (one on Monroe Circle and the other on East Paris), Groskopfs has served and continues to serve the travel needs of its many satisfied customers. In the mid-1850s, the Groskopf family immigrated to America from Germany. The family included the parents and three sons, August, Henry and William. They first settled in Detroit where William was apprenticed to a leather working firm and learned the trade that would sustain the family for generations. The Groskopfs moved to Grand Rapids in 1881, and the brothers opened a trunk and leather goods store on Canal Street near todays Justice Building. Since William was skilled at leather work, much of what the store sold was handcrafted by William, who was only 26 when he and his brothers went into business. An article from 1892 printed in the Grand Rapids Daily Democrat stated, Their goods will vie with the best in the land. The article went on to praise the business and its line of products. The reporter said that he had occasion to visit their place and was very much surprised at the bewildering display of trunks, valises, satchels, bags and many other useful items for travelers. The reporter goes on to quote William Groskopf who said, Yes, we have undoubtedly as fine a stock of goods as can be found in Michigan. If you will take the trouble to look over our stock, I will venture to say that you will find in it many conveniences for travelers that are not to be found elsewhere in our city. At some point, the brothers came to a parting of the ways, and William continued as sole owner. Williams daughter Ada began working in her fathers store in 1900, at a time when women in business were a rarity. When the store moved to another location, also on Canal Street, William began phasing out the production of leather goods but continued to sell the same range of products that he had become known for. In 1913, William sold his property to the Pantlind family who built the Pantlind Hotel (now the Amway Grand) on that site. The store moved to Monroe Street, and, when William retired, his son R. William and daughter Ada took over the business. An article from 1982 stated, At a time when most men believed that a woman was incapable of running a business, Ada Groskopf used her excellent business ability to bring the firm successfully through the Great Depression and World War II when materials and merchandise were extremely scarce. Ada never married, and her nephew Claude Heth joined the firm in 1937. Despite the onset of war, Groskopfs expanded in 1941 to carry a fine line of imported and domestic gifts. In time, Claudes sons, John and Jeff joined the business and took it over when Claude retired in 1982. Today, John and Jeff Groskopf continue in the family tradition of exceptional products and superlative service. Besides an extensive collection of leather goods, Groskopfs also sells electronic travel supplies like white noise machines for restful sleep in noisy hotels, talking translators for foreign travel, portable speakers and other products for stress-free travel. In addition, they sell travel accessories like binoculars, travel pillows, passport cases and wallets and many more such products. Rounding out their items for sale are games, globes, jewelry cases, fine pens, passport holders and an ever-expanding array of musthave goods. The East Paris store is the larger of the two, but the Monroe Center store boasts an interesting history. According to John Heth, We purchased this location in 1982 and discovered, much to our surprise, that Groskopfs had actually used this building for a store in the past. In the basement and on the third floor, we found the original Groskopf signs that had been part of the very first store. We now display them proudly in our facility. He continues, We are proud of the good reputation our business has enjoyed over the years, and we intend to continue in that same tradition. I have one daughter, and my brother Jeff has two daughters, and they may well carry on the Groskopf name as fifth generation merchants right here in Grand Rapids. Jane Whittington is a freelance writer and editor who lives in Grand Rapids.

Current Business Trends: Considerably Stronger

Grand Rapids - The greater Grand Rapids industrial economy is considerably stronger, while the national economy is flat, according to the results of a monthly survey compiled by Brian G. Long, director of Supply Management Research in the Seidman College of Business at Grand Valley State University. Long said the survey results are based on data collected during the last two weeks of May. The surveys index of business improvement, called new orders, rose to +35, up from +31, a two-year high. The production index came in at +35, slightly higher than last months +34. The employment index rose to +28 from +22. The auto parts suppliers are underwriting the strength of the Michigan economy, as well as our economy in West Michigan, said Long. Auto sales remain strong, resulting in production schedules continuing to be revised upward. Some of the smaller office furniture firms are seeing stronger sales; the larger office furniture firms saw the first inkling of a modest uptick, given that sales have been lackluster for the past few months. In addition, the housing market is stronger and new construction has picked up. Long said the national industrial economy is not nearly as strong as the local economy. He said May numbers show the first negative report since November 2012 and the weakest number since June 2009 almost four years ago.

Small Businesses Give Michigan 'D' Grade

San Francisco, CA - Thumbtack.com, in partnership with the Ewing Marion Kauffman Foundation, has released the second-annual Thumbtack.com Small Business Friendliness Survey showing that small businesses again rated Michigan poorly overall. The Thumbtack.com Small Business Friendliness Survey is the only survey to obtain data from an extensive, nationwide universe of job creators and entrepreneurs in order to determine the most businessfriendly locations. While there are various business climate rankings that rate locations as good or bad for business, there are no others that draw upon considerable data from small business owners themselves. In surveying thousands of small businesses across America, we found that

Communications & IT
Grand Rapids C/D/H was named among West Michigans 101 Best and Brightest Companies to Work For by Michigan Business and Professional Association the first time C/D/H. Grand Rapids Innereactive Media celebrated their 10th anniversary April 2013, with a Red Carpet Premiere event. Samantha Toth, President and ABO Certified Optician, left her job at another advertising agency in 2003, to focus on marketing the optical industry and started Innereactive Media. In 2006, the company moved to a location in Ada, until February 2013, when they moved to a newly remodeled facility in Grand Rapids, boasting over 5,000 square feet of space.