Chamber Magazine 2012 V18-N6

Cadillac AreaA Cadillac Area Chamber of Commerce Publication

Business MagazineNovember/December 2012 • Volume 18-No. 6

See pages 3-5

Time to get up to speed on The Affordable Care Act

Visionary Partners:

2 November/December 2012 - CadillaC area Chamber of CommerCe

Mission StatementThe Cadillac Area Chamber of Commerce is a visible

business leader that advocates and drives business opportunities. Through business alliances, we are a

catalyst for our membership and provide a persuasive regional voice benefiting our communities.

Mike Hamner, Executive DirectorAvon Protection Systems, Inc. 779-6200

Kelly Cater, Vice-ChairRec Boat Holdings 775-1351

Katy Huckle, Past Executive DirectorNorthwestern Bank 775-9077Scott Hunter, TreasurerBaird, Cotter & Bishop, PC. 775-9789Jon Catlin Chemical Bank 775-6151David CoxWexford-Missaukee ISD 876-2260Eric BakerWolverine Power Cooperative 775-5700Dennis BensonDennis H. Benson, PLC 876-9405 Bill CincoThe Trend Designers 775-5711Bill Kring9 & 10 News 775-3478Dr. Kyle HoggDental Health Professionals 775-9797Melody HurleyWalmart Supercenter Store 775-8778Brian JonesWillow Mercantile LLC 468-2682Kelly SmithBaker College of Cadillac 876-3100Mike StebbinsMercy Hospital Cadillac 876-7200

CHAMBER STAFF 775-9776 Bill Tencza, [email protected] Lanc, Director of Membership [email protected] Gillies, Leadership Director/[email protected] Hamilton, Administrative [email protected] DeYoung, Vice President of Government Relations

and Business [email protected] Shetler, MI-SBTDC Business [email protected]:www.cadillac.orgPrinter: Pleasant GraphicsPublisher: Cadillac Area Chamber of Commerce

The Cadillac Area Business Magazine is a publication of the Cadillac Area Chamber of Commerce. The Chamber reserves the right to edit or refuse articles and advertisements submitted to the Cadillac Area Business Magazine and reserves the right in its sole discretion to accept or refuse inserts and other mate-rials to be distributed through the publication.

Meet the BoardMore to do in 2013

Traditionally, the close of the calendar year generates reflection on the past year, but also provides the opportunity for renewed focus, commitment, and priorities going forward. As a 112-year-old business orga-nization, it is no different for the Cadillac Area Chamber of Commerce. Although, our budget, programming cycle and fiscal year starts on July 1, our big picture focus is on a calendar year basis. With that said, I wanted to take the opportunity in this column to outline some of our organizational focus.

In 2010 the Chamber initiated a series of small member focus groups, comprised of a diverse cross-section of member investors to evaluate various input. The member focus groups served as a template for 2011 pri-orities, but long-term carry over into 2012 and beyond. Although, not fully intended, the focus groups progressed into a form of a member-driven strategic outline for the Chamber.

One of the biggest take aways was cued to the need for new capital investment in our building. The building is a continuing priority. We recognized that it would take multiple budget years to accomplish and with future ongoing projects factored. We have since completed a renovation of our conference room, which is actively used by our membership, critical interior and exte-rior repairs and other building and property enhancements. The list of generous support-ers and in kind donations was significant. We have more to do in 2013.

The second take away from the member focus group sessions is a top priority in 2013. We will modify our membership investment structure. Committee work is underway to design membership packages that add value to our members, streamline how we do busi-ness with our members, and proactively cre-ate better opportunities for our members through this structural change. With a tar-get of July 1, 2013, we will be updating our progress in the first quarter of next year. In addition, we are currently transitioning to an improved member database system, in large measure, to communicate with our members more effectively, track trends with our membership, and provide easier access to register and make payments for programs and events.

Your Chamber will be a voice for our mem-bers in Lansing in 2013 through our govern-ment relations initiatives and most notably through our collaboration in the Northern Michigan Regional Chamber Alliance. This past year, we were engaged in numerous legislative efforts in support of member driven initiatives, from business regulation, education, government reform, manufac-turing, transportation, and tourism, but not limited to those sectors. Our members have endorsed the importance of the Alliance and have extended positive comments for our voter education efforts this summer and fall. As we look forward to 2013, our success will always be dependent on an active, engaged, and supportive membership.

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As 2012 comes to a close many business owners are making prepara-tions for 2013. But business owners and personnel department lead-ers will need to look at 2014 as well as the many changes that are being ushered in through the Patient Protection and Affordable Care Act.

One of the first tasks businesses will probably need to do is sit down with their health insurance agent, as well as their tax preparers, said Kirk Roy, Vice President of National Health Reform for Blue Cross/Blue Shield of Michigan.

“I always start with what do they want to accomplish,” Roy said. “Sit down and think about what the business strategy is and the people strategy ... and how do benefits fit in.”

Parts of the Affordable Care Act have already gone into effect (see page 5 for more information), but there is still uncertainty regarding the Act. Mary Neff Chief Operating Officer, Mercy Hospital, Cadillac, said she heard faith-based organizations may still challenge the act in the court system. She said those groups question whether or not the

government can force individuals to purchase health insurance that is required to provide for things such as abortion and contraception, which go against some beliefs.

Besides the possibility of additional court action, there is a question of the impact of the November election. The plan or parts of the plan could be changed or even eliminated by legislature.

Add to the legal and election uncertainties, there are still some parts of the plan that are being written, Neff said. Neff will be presenting Latest with Healthcare Reform: How are we impacted locally” at the November Chamber Lecture Luncheon.

“There is a lot of uncertainty because much of law still needs to be written,” Neff said. “In my heart I believe health care reform is needed, it is an unsustainable system we have right now. Is what’s on the table now the right way to go? Or are there other modifications needed?

“I believe there is lot of good work coming out of this,” she said. “I think many things will probably end up being better when it is all done, but getting there is the difficult part.”

Time to get up to speed on The Affordable Care Act


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Probably the most difficult part of the Affordable Care Act is understanding it.

“It is very complex, even with my years in health care,” Neff said, “it is like ‘Holy Smokes, I can’t imagine trying to interpret this.’ It is very complex.”

Yet business owners and those that make health insurance decisions at area busi-nesses will need to start preparing for more changes, even though some of changes are still up in the air.

Roy said companies need to evaluate what they currently offer as far as health insur-ance benefits. The size of the business will also be a factor to take into consideration.

A business with 50 or more full-time employees will be fined if it does not pro-vide health insurance that meets the mini-mum threshold of coverage spelled out by the Affordable Care Act.

The fine is $2,000 per employee with com-pany receiving a credit for 30 employees. Meaning that a company with 50 employ-

ees or more employees would face a mini-mum fine of $40,000.

If a small business (defined as less than 50 employees) is currently providing health insurance it would need to determine if the plan falls into one of the “metal levels” of coverage. Those include bronze, silver, gold and platinum. Roy said companies should consider whether their employees would be better off buying their own health insur-ance through the exchanges, which will be available in 2014.

Individuals may be eligible for a discount provided by the federal governmentwhen buying through an exchange based on their income level and may find they can get a better plan than going through the com-pany.

An employer with less than 25 employ-ees may be in line for a tax credit if they are providing health care insurance to its employees or decide to offer insurance that meets the minimum levels.

I think many things will probably end up being better when it is all done, but

getting there is the difficult part.Mary Neff, Chief Operating Officer, Mercy Hospital, Cadillac

“”


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That credit is worth up to 35 percent of the business’ premium cost in 2013. The tax credit will increase to 50 percent in 2014. To qualify a business must cover at least half of the health care coverage, have less than 25 full time employees and pay annual average salaries less than $50,000.

The majority of businesses that are members of the Cadillac Area Chamber of Commerce employ fewer than 25 people.

Businesses with 25 or more employees, but less than 50 would not be penalized for not providing health insurance, but also would not be eligible for the tax credit. The company would not be required to provide health insurance to its workers.

Parts of the Affordable Care Act that have changed for 2012 and will change for 2013:

• Companies with 250 or more employees will need to report the cost of each employee’s health care coverage on the employee’s W-2 form starting in 2012. Those with fewer than 250 employees will need to report coverage costs starting with the 2013 tax year.

• Starting January 1, 2013 employees can only contribute $2,500 to health care Flexible Spending Accounts.

• Starting January 1, 2013, employees who earn more than $200,000 must have an additional 0.9 percent of wages withheld for increase Medicare tax withholdings.

• Companies with 50 or more full-time employees will need to issue a Summary of Benefits and Coverage and distributed to employees at the first open enrollment period that begins on or after September 23.

• Companies that have self-insured plans will need annual contributions to the Patient-Centered Outcomes Institute to fund its research. The non-profit institute was created through the Affordable Care Act.


Article submitted by:

tAmi Wolverton, JAckie bottomley,

lindsey evAns And Jeff kAssien

What a remarkable group this year’s 2012-2013 Cadillac Leadership Class is. Not only is it the 22nd year of the Chamber’s program, but we have an exceptional 22 participants! The open-ing retreat kicked off on September 13th at the Kettenun Center for a two-day session with an overnight stay on Thursday. Many team building exercises were performed, such as the spi-der web where people were manipulated through a rope mesh hung between trees to simulate a spider’s web. Rain brought the campfire indoors to the fireplace where a show and tell gather-ing wrapped up the evening.

Day 2 arrived a little too early for some. Kettunen provided a great breakfast, then Jennifer Gaffke, class of 2004, facilitated “True Colors.” What fun it was to determine our colors and then break into groups based on our individual personalities. The weather was perfect to head back outdoors for more team-build-ing activities. One activity for building trust had one person blindfolded and the other person had to direct them through the wooded trail without falling, tripping, or hitting objects. Back inside, we heard from David Cox, class of 2007, who presented “Pay it Forward with Acts of Kindness.” We wrapped up the day reviewing the team members’ project ideas and proposals sub-

mitted by the Cadillac community. No matter how difficult or challeng-

ing the activity, the class was eager to work together as a team. The retreat proved to be very successful in terms of bringing the class closer. Whether it was problem solving or socializing, this group has proven to be full of energy. The team is eager and excited to choose

a community service project to better the Cadillac area and to experience fellowship as the 22nd Cadillac Leadership group.

Cadillac Leadership Class kicks off with Opening Retreat

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Deb Gillies, Leadership Director

Cheri Bechtel Wolverine Power Cooperative

Brian Bejcek Wolverine Power Cooperative

Jason Black Avon Protection Systems

Kayla D. Bodary McGuire’s Resort

Paul Booth Rexair LLC

Jackie Bottomley Firstbank

Julie Boss Wexford-Missaukee ISD

Tracy J. Coe Piranha Hose Products

Peg Devereaux Mercy OB/GYN Partners

Lindsey Evans Blue Cross Blue Shield of Michigan

Kyle Farmer Edward Jones

Cindy Frohmader AAR Mobility Systems

Lauren Heilman Kettunen Center/ Wexford-Missaukee Great Start Collaborative

Jeff Kassien Rexair LLC

Jodi Keeler Northwestern Bank

Deb Maxey Wexford Habitat for Humanity/ “Cadillac Leadership Pride” Scholarship Recipient

Mike Morin BorgWarner Thermal Systems

Zach Nimeth Piranha Hose Products

Niki Schultz Wexford-Missaukee Great Start Collaborative

Janine Skunda Mercy Hospital Cadillac

Darcy Tacoma BorgWarner Thermal Systems

Tami Wolverton Baker College of Cadillac

WELCOMECadillac Leadership Class of 2012-2013

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November/December Healthy Tip:

Tea 101: Why you should incorporate it into your daily routine•

Want to lose weight, have more energy and ward off heart disease and cancer? Start drinking more tea! Tea is packed with the right compounds and properties that help your body achieve these feats.•Needalittleburstofenergy?Lookingtonaturallyboost

your metabolism? Start guzzling green tea.•If you are one of the many

Americans who is addicted to caffeine, you may want to swap your java for black tea. Besides giving you that extra kick, it’s beneficial for your respiratoryand cardiovascular systems.

•Themidwayblendbetweengreenand black tea is oolong tea, which is celebrated for busting bad cholesterol levels.

•The most potent anticancerproperties are found in white tea. This brew contains the least amount of caffeine in the tea spectrum.

Tri Star Benefits, LLCLocated by: 117 North Mitchell Street

&Ribbon Cutting Grand Opening

Sponsored by: Advanced Optometry

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Rise Up! Cadillac

Hosted by: Mercy Hospital Cadillac

Sponsored by: Northwestern Bank

Chamber Calendar

November

7 Rise Up! Cadillac 7:00AM Hosted By: VanDrie Home Furnishings

9 Lecture Luncheon Noon - 1:15PM “What’s the Latest with Healthcare Reform:

How are we impacted locally” Presented By:

Mary Neff, Mercy Hospital of Cadillac Baker College of Cadillac Student Center

December

6 Chamber Members Holiday Luncheon McGuire’s Resort — Noon to 1:30PM

14 Lecture Luncheon Noon - 1:15PM “Looking Forward: Post November Election”

Presented By: Rich Studley, President and CEO;

Michigan Chamber of Commerce Baker College of Cadillac Student Center


Deadline for the January/February2013 Cadillac Area Business Magazineis December 3, 2012. Share your business/organization news!

SeptemberLecture Luncheon


Doug discussed: “Lansing: After the Primary Election”

and proposal considerations

heading into the November Election.

Presented by: Doug DeYoung, Vice President of Government Relations

and Business Advocacy, Northern Michigan Regional Chamber Alliance

OCtOberLeadership Learning Series

“Frustrate or Motivate: The Choice is yours”

Presented by: Dr. Sherene McHenry

Proudly underwritten by: Baker College, Chemical Bank,

Rexair LLC, VanDrie Home Furnishings and the Wexford-Missaukee Intermediate School District

On October 4th the Leadership Learning Series welcomed motivational speaker, Dr. Sherene McHenry who provided an empowering presentation titled “Frustrate or Motivate: The Choice is yours.” Dr. McHenry shared stories and facts relating to how people are wired and how to bring out the best in yourself and others by strategically ensuring that each individual feels respected and appreciated. Her spirit and humor was exceptional. Dr. McHenry is the founder of “Fully Engaged.”

MISSION STATEMENTThe Cadillac Area Chamber of Commerce is a visible business leader that advocates and drives business opportunities. Through business alliances, we are a catalyst for our membership and provide a persuasive regional voice benefiting our communities.

If you would like your child to experience LEADERSHIP SKILL DEVELOPMENTthen this is a program they should attend! Students will have the opportunity to work with their peers, participate in activities relating to problem solving, team building, trust and communication.

Save the Dates!L.E.A.D. (Leadership, Education and Developmentworkshop for high school students, grades 9 - 12)Wednesday, December 5, 2012L.E.A.D. JR. (Leadership, Education and Development workshop for junior high students, grades 7 & 8)Thursday, December 6, 2012

Students from all area schools are encouraged to attend. For further information, contact Deb Gillies at 231-775-9776 or email [email protected]. You may also contact your child’s school counselor, teacher or principal.


130 N. Mitchell St., Cadillac, Mi 49601-0640

231-779-4156Fax: [email protected]

Mitch WhitakerNew Media Marketing Consultant

Call today to set up your FREE consultation.

Get a Healthy Media Mix and stay in tune with the latest way to reach customers! You know who we are and you’ve trusted us to help grow your business for more than 140 years. As technology evolves, so does the Cadillac News. We are now offering a plethora of new media services to get you in the mix . We’ll even do the dirty work for you. We know how important it is to be where the people are and we are ready and able to help you grow your business and keep you in the loop.

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Heather Witkop, a Conceptual Designer at Rec Boat Holdings, was asked if she could develop interior signage for the Chamber foyer and lobby areas. The idea of the signage was to be functional, yet decorative. In order to minimize costs, Witkop also had to use materials currently used by RBH.

To get her inspiration, Witkop visited the Chamber office and started taking interior and exterior pictures of the building. The one element

that stood out in her mind was the corner tiled windows that highlighted the building. This ele-ment would be key to her design. She also wanted a modern font that would represent the Chamber as “Forward Thinking”.

Witkop brought her idea to life, with the help of Jeff Schroeder, Matt Klein, Tony Mulder and Rex Taylor, Engineering co-workers at Rec Boat Holdings.

Thank you Rec Boat Holdings!


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(Left to Right) Deb Christie, AVP, Mortgage Lender | Pete Stalker, Community Bank PresidentDeb Ballard, Branch Manager, Loan Officer

(Left to Right) Deb Fuller, AVP, Mortgage Lender | Pete Stalker, Community Bank PresidentDeb Ballard, Branch Manager, Loan Officer

Stefanie Stade has received her CPA license. She is a CPA with Baird, Cotter and Bishop, P.C.

Lisa Ziegler has joined Farm Bureau/ The Langworthy Agency. She is qualified to service home, auto, commercial, farm life and health insurance.

Legislative information as well asNorthern Michigan Regional Chamber Alliance updates can be found at:www.cadillac.org under Legislative Advocacy, click on Northern Michigan Blog

Katelyn Richard, of McBain, has been named the new Career Services Coordinator at Baker College. She graduated from McBain Public Schools in 2004, received an Associate’s Degree from Mid Michigan Community College in 2006 where she received an Associate’s Degree in General Arts in 2006. She received her Bachelor’s of English in Education from Central Michigan University in 2009.

She lives in Meauwataka with her husband, Martin.

Katelyn Richard named Baker College’s Career Services Coordinator

Save the Date:Leadership Learning Series • Noon - 3PMBaker College of Cadillac Student CenterJanuary 24, 2013April 25, 2013 • June 13, 2013

Congratulations:Welcome:


20th Annual Greater Cadillac Area Business Expo

Where Super Heroes Unite!

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mI news 26Eric Wotila

320 West 13th StreetCadillac, MI 49601

231-577-1844www.minews26.com

state Farm InsuranceShelby Henry

8998 East 34 RoadCadillac, MI 49601

989-615-1700

trI star BeneFIts, llcMark Sisson

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truck customs 20835 30th AvenueMarion, MI 49665

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Welcome New Members

5/3 Bank7&4 NewsAirway OxygenAutumnwood of McBainAnavon TechnologyBaird Cotter & Bishop, P.C., C.P.A.’sBasic Communications Baker College of CadillacBelle Oakes Living CenterBlick Dillon Insurance Agency Business Networking International (BNI)Cadillac Area Community FoundationCadillac Area Industrial Group AAR Mobility Systems Avon Automotive Avon Protection Systems BorgWarner Thermal Systems B&P Manufacturing Cadillac Casting Inc. FIAMM Technologies, LLC Michigan Rubber Products Piranha Hose Products, Inc. Rec Boat Holdings, LLC Rexair, LLCCadillac Industrial SupplyCadillac Eye Clinic, P.C.Cadillac Leadership Cadillac NewsCareLinc Home MedicalCitizens BankColdwell Banker-Schmidt RealtorsCurry House Assisted Living & Memory CareDynamic Physical Therapy Eagle VillageEdward Jones/Kyle Farmer Electronic AdvertisersFarmers Insurance Frizzell/Esiline Agency

Fekete Knaggs & Burr Insurance Agency Fibertec CleanFirstbank CadillacFox Motors of CadillacHansen CollisionHighpoint Cadillac GMCHitesman Holdship Funeral HomeIntegrity Business Solutions LLCThe LakeviewLittle Caesars of CadillacManpowerMcGuire’s ResortMercy Homecare & Mercy Hospice Mercy Hospital CadillacMerrill LynchMitchell Investment Advisors, LLCMI Small Business & Tech. Development CenterMI News 26Northwest Michigan Works!Northwestern BankNorthwestern Michigan CollegeOrrin A. Sprague Agency, Inc.Re/Max Central Sam Club ServPro of Manistee, Ludington & CadillacSpringfield RoofingStar Truck RentalsSunnyside Senior Living The Sweet ShopVerizon Wireless Wexford-Missaukee Career Technical CenterWexford-Missaukee Great Start Willow Mercantile Yellow BookThe Wex


2012

E PBusiness

20th Annual Greater Cadillac Area

Where Super Heroes Unite!

Thank you to our Cadillac Ambassador Club, and the many other volunteers for your commitment.

Thank you Exhibitors for participating in the

Greater CadillaCarea Business expo

20th Annual

special thanks to the….2012 Business expo Committee:

You are all super Heroes!

Kelly Cater, Rec Boat Holdings, LLCLeigh Gifford, Little Caesars of CadillacKristin Hathaway, Baker College of CadillacJoni Holly, Coldwell Banker Schmidt Realtors

Mike Paulin, Cadillac Area Rental Housing AssociationChris Redes, RE/MAX Central Renee Walkley, Gordon Food Service

Expo partnEr

SponSorS

prIZE SponSor


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The Cadillac News was the recipient of sev-eral awards for 2011 by the Michigan Press Association in Lansing.

In the journalism competition, Our Community, a yearly publication that includes feature stories about individuals and groups from within the Cadillac News coverage area, was given the top prize in the Special Section category of the Journalism competition

“The news staff puts in a lot of effort on this section each year. We feel this is also a reflec-tion of the special people we have in the com-munity and we are honored and humbled to tell their stories,” said Cadillac News Editor Matt Seward.

One judge’s comment illustrates the details that led to the win.

“ A beautiful design lured me into the pages

of Our Community. Engaging stories on a wide variety of topics kept me enthralled until, with the turn of the final page, I felt like I connected with the Cadillac Community. “

The advertising department took home seven awards in four separate categories within the advertising competition includ-ing three first place wins for the Best Special Section, Best Ad Series and Best Online Promotion. Other wins include a second place and honorable mention in the Best Special Section category, honorable mention in the Best Promotion Ad category and third place in the Best Ad Series Category.

“This is a tremendous achievement,” said Pat Sorger, advertising leader at the Cadillac News . “I am very proud of my team. We work very hard everyday to create effective ad cam-paigns for our clients and it’s terrific to be

recognized as one of Michigan’s best.”On the Go — Guide to Greater Cadillac Area

was given the top prize in the Best Special Section category for the “creative graphic ele-ments throughout the section and its clean, user friendly layout,” according to one judge.

In the Best Ad Series category, first place was given to the Cadillac News advertising team for the series, Trail of Tales Storyteller Festival.

Leap Day Special, an online promotion by the Cadillac News, was given the top prize in the Best Online Promotion Category.

One judge called it a “Very nice series with great elements and great results.”

Family owned and in operation for more than 140 years, the Cadillac News is proud to be the most trusted, local and connected news source in its coverage area.

Cadillac News wins several awards


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CTSXTS

Data track 2011-2012Wexford County Jan. 12 Feb. 12 Mar. 12 April 12 May 12 June 12 July 12 Aug. 12 Sept. 12 Oct. 11 Nov. 11 Dec. 11 Labor Force 13,224 13,101 13,256 13,123 13,585 13,844 13,831 13,706 13,337 12,750 12,750 12,938 Employment 11,478 11,523 11,666 11,696 12,128 12,278 12,114 12,046 11,953 11,343 11,358 11,322 Unemployment 1,746 1,578 1,590 1,427 1,457 1,566 1,717 1,660 1,384 1,407 1,392 1,616 Rate 13.2% 12.0% 12.0% 10.9% 10.7% 11.3% 12.4% 12.1% 10.4% 11% 10.9% 12.5%

Missaukee County Jan. 12 Feb. 12 Mar. 12 April 12 May 12 June 12 July 12 Aug. 12 Sept. 12 Oct. 11 Nov. 11 Dec. 11 Labor Force 5,682 5,738 5,800 5,635 5,777 5,920 5,892 5,760 5,623 5,649 5,642 5,738 Employment 4,950 4,970 5,032 5,044 5,296 5,231 5,225 5,195 5,155 5,072 5,078 5,062 Unemployment 732 768 768 591 624 546 667 565 468 577 564 676 Rate 12.9% 13.4% 13.2% 10.5% 10.5% 9.5% 11.3% 9.8% 8.3% 10.2% 10% 12.5%For more information go online to www.cadillac.org/discover/about_LaborActivity.htm

In response to childhood hunger issues, the Cadillac Area Community Foundation (CACF) has awarded a $300 grant from its endowed Cornerstone Fund to the Cadillac Area Backpack Program (CABP).

“We are grateful and encouraged that the foundation’s members recognize the

urgency and scope of the impact of hun-ger on children right here in Cadillac,” said Karen McMahon, Director of the CABP. “Currently, over 760 children are eligible to receive a backpack, and this money will allow us to feed approximate-ly four more children every weekend throughout the entire school year.”

Cadillac Area Backpack Program receives grant from the Cadillac Area

Community Foundation Peg Lutz of Waddell & Reed welcomes Paul Singer financial advisor to the Cadillac office. Singer began his advisor career with Waddell & Reed in December of 2000, and additionally took on a man-agement role in 2002. He spent his time working with new advisors in training and development, in Grand Rapids, Cadillac and Traverse City area, as well as working with his own clients.

Paul Singer joins Waddell & Reed

Cadillac AreaChamber of Commerce222 N. Lake St.Cadillac, MI 49601-1874

PRSRT STDUS POSTAGE

PAIDTRAVERSE CITY

MIPERMIT #96

Chamber Magazine 2012 V18-N6

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