Ca$h Mob Monday at Flagler Beach Gift Shop!

This coming Monday, November 24, local residents and chamber members are invited to descend upon Flagler Beach Gift Shop for the Chamber's next Ca$h Mob Monday and take part in a special promotion offered one day only. The Ca$h Mob itself (and photo opportunity) will take place between 5 to 6 PM, although shoppers can take advantage of the special at the store throughout the day. By participating in Ca$h Mob Monday, shoppers will truly be buying local and showing support for two women entrepreneurs in Flagler County.

The concept of a Ca$h Mob is simple – it’s a grassroots, community-wide movement to support local businesses and chamber members. With $10 or so in hand, guests meet up at a business at a set time, on a specific day to shop, socialize and show their appreciation for local business. In return shoppers are offered a one-day-only special promotion from the business. It’s a win-win all around: cash mobbers get a great deal and have fun, businesses make money and our local economy gets a boost!
 
After hints through emails and social media, the Chamber revealed today the location of the November 24th Ca$h Mob Monday is Michelle Brown’s Flagler Beach Gift Shop at 105 N Hwy A1A Unit D in Flagler Beach, located near the corner of North 2nd Street. In addition to the variety of local gifts and Flagler Beach souvenirs she sells, Michelle will be offering an all-day special of two Flagler Beach Jar Candles for $10. The 4 oz. natural soy candles are locally made and each decorated with a hand-picked Flagler Beach shell, and perfect for the upcoming gift-giving season. The candles come in 12 fun scents: Beach Linen, Mermaid Kisses, Sand Castles, Ocean Breeze, Surf's Up, Fun On The Beach, Sun & Sand, Breezes & Sunshine, Beach Daisies, Margarita, Pina Colada and Beach Bum. The store phone number is 386-439-0053.
 
Members interested in hosting a Ca$h Mob should contact Tiffany Edwards at 206-0955.

Three CareerSource Regions Partner for Inaugural Tri-Regional Business Summit in September

The collective resources of CareerSource Central Florida, CareerSource Brevard and CareerSource Flagler Volusia are coming together to host the inaugural Tri-Regional Business Summit on Wednesday, September 24, 2014 from 8 a.m.- 12:30 p.m. at Port Canaveral and will feature John Walsh, CEO of Port Canaveral, to discuss what the port expansion means for the Central Florida region. This event will also mark the official release of the highly anticipated results and analysis of the multi-regional Talent Skills Gap Survey – a Florida High Tech Corridor Council-sponsored survey that was recently completed by area businesses with information about local workforce issues and employee training. This key data will serve as a crucial tool in guiding region-wide efforts to tailor training and programs to meet the changing needs of businesses and the jobs seekers they are struggling to find.

Designed with the CEO and Business Executive in mind, this one-of-a-kind, half-day summit will bring together experts and experience to educate, enlighten, and engage our business community.

Whether you need to ensure the protection of your clients’ personal information from cyber-attacks or are looking for ways to better market your company, this business summit will give you the tools you need to do it better. Participants will have the opportunity to network with some of Florida’s brightest “thought leaders” and content visionaries, including cyber-security expert Mark Wolfgang and strategic marketing expert Dianne Michael of the Callan Group; as well as engage with business and workforce experts, executives, and partners; and join a business community that transforms the way great work is done.

The goals – to change the way we look at conducting business, protect our digital assets, and secure a bright future through insightful and deliberate hiring and training practices – and best of all discover how your regional workforce board might be able to help you pay for portions of it.

Register now, as seats will fill up quickly. Registration is $50 and can be done online at https://www.eventbrite.com/e/tri-regional-business-summit-tickets-7770412513.

For more information, visit www.CareerSourceCentralFlorida.com.

County Commission Seeks Volunteers for Courthouse Committee

The Flagler County Commission is seeking a select group of individuals to serve on a committee to review and make recommendations on Flagler County’s Historic Courthouse and the three story courthouse annex.

The County Commission has set a four month time limit, from June 16 through October, for the committee to submit recommendations. The resolution, approved at the County Commission’s meeting on Monday, June 2, seeks Flagler County registered voters in five specific occupations and one citizen at large to a committee that will be chaired by County Commissioner Barbara Revels.

The five professionals include: an architect or similar design professional, a real estate professional, a general contractor preferably with commercial construction experience, a mechanical contractor with air conditioning or other mechanical experience key to redeveloping the building, and a non realtor with experience in space procurement or relocations and acquisitions for public or private entities.

Applications should be submitted to Christie Mayer at [email protected]. Acceptance of applications will close at 10 a.m., Friday June 13. The applications will be submitted to the County Commission for approval at their meeting on Monday, June 16.

The committee will be directed to study the Flagler County Courthouse/Annex as to disposition for future use including by not limited to: sale of the facility, demolition, and redevelopment . The committee is also directed to analyze any existing funding sources, including grants, private funds or new funding sources.

Share Your Thoughts About Transportation

Flagler County residents have the opportunity to have a say in how they would like to see future transportation systems develop in Flagler and Volusia counties and a chance to win $250.

The River To Sea TPO wants to know what you think about transportation projects, problems and proposed solutions. To voice your opinion, go on the Flagler County website and click on the River To Sea box on the right side of the home page.

Flagler County recently joined the River to Sea Transportation Planning Organization as part of the state requirement for counties with growing populations. The organization, which recently changed its name and added new members, is responsible for carrying out the urban transportation planning and programming process with the State Department of Transportation.

The River To Sea TPO is the primary forum where Flagler and Volusia Counties and its city governments and citizens can voice their concerns, identify priorities, and plan transportation improvements. The transportation planning is for more than just roadways, it also includes: public transportation, bicycle and pedestrian walkways.

“It is important for the residents of Flagler County to participate and share their thoughts on the future of transportation,” Flagler County Commissioner Barbara Revels said.  “We can’t effectively plan for future transportation needs in a vacuum. We need to hear from the residents. Their input into this process is the key.”

Surveys completed by July 23, 2014 will be placed in a drawing for a chance to win $250.

Be A Good Friend: Facebook Etiquette & Usage

by Connie Rice, VP of Marketing
Creative Consulting of Palm Coast
http://creativepages.net

Social media is a way to connect online that has become commonplace for millions of Americans.  The fastest growing demographic joining the fun on Facebook is the 65 plus age bracket.  This trend is attributed mainly to people who want to stay connected with their families.  With that in mind, there are some things you should know about this leading social media platform as you explore the brave new world of internet sociability.

Profile vs. News Feed – Your News Feed is what comes up when you first open Facebook, or when you click Home in the upper right.  This is a currently updated page of what your Friends and pages you have liked are posting, usually dominated by the ones that you interact with the most or those that have paid Facebook advertising fees to appear at the top (sponsored).  Only you can see your News Feed.  Your Profile is what you and others see when your name is clicked on Facebook.

Privacy – From what I have noticed as a social media consultant, the primary element that confuses many users is what part of their profile is private and what is not.  You have many options for customizing your privacy settings, but a good rule of thumb is to look for the symbols that are displayed next to aspects of your profile, photos, and posts.  If you see the symbol of two people, this means it is visible to your Friends list only.  If you see the earth/globe symbol, this means that it is visible to anyone.        

Tagging – This refers to the practice of attaching a Facebook friend’s name and profile to a photo or post.  This function probably causes the most frustration and confusion for users and being tagged can be embarrassing in some instances, so use tagging with careful regard for others’ feelings and comfort levels.  You also may find yourself being tagged in ways that you do not want – if this is the case you can set your profile to display tags that you approve only.    

Friend Requests – Another common concern that comes up is when a user is receiving friend requests from people they do not know.  This is officially discouraged by Facebook and many of us would never consider doing it, although others are open to socializing in this way.  In my opinion, you should not take it as a personal offense and just ignore the request if you prefer to keep your Facebook limited to those you know in real life.  

These points are really only just the tip of the iceberg in terms of how Facebook works and the myriad of ways you can customize and control your experience on the site.  For more information, find articles on the web regarding these topics or click the Help button on Facebook itself for some additional guidelines.  A session with a social media consultant is also a viable option and can be an affordable way to get an understanding of how to interact online safely and enjoyably. 

Palm Coast Needs Your Help with Tornado-Related Survey

The City of Palm Coast is participating in a new University of Missouri-Columbia research study regarding emergency tornado notification and needs local residents to help.

On Dec. 14, 2013, the National Weather Service reported an EF-1 tornado with maximum winds of 110 mph that touched down and crossed the northern sections of Palm Coast. A new survey to understand how people receive and react to emergency information will help researchers learn how residents and businesses inside the City were notified of the tornado threat and what they did with the information.

The survey will be open Monday, Feb. 3, through Monday, Feb. 17. All adults (age 18 or older) who live(d) in Palm Coast in December 2013 are encouraged to take the survey – whether they live(d) in the neighborhoods affected by the Starlight Tornado or not.

The survey may be completed online by visiting the City's Emergency Management page here and clicking on Take Survey Now box. Those who would prefer to complete the survey by telephone may call toll-free at 800-453-8436.

The results of the survey will be shared with the City of Palm Coast in an effort to continuously improve emergency communication initiatives and outreach. T

he City currently utilizes the CodeRED emergency notification system to provide automated warnings of impending severe thunderstorms, tornadoes and flash floods, as well as City or neighborhood emergency alerts. To register for future notifications, visit www.palmcoastgov.com to submit information into the emergency database, which will only be used for Palm Coast emergency alerts.

For more information, contact:
City of Palm Coast: Cindi Lane, 386-986-3708, [email protected]
University of Missouri-Columbia: Stephanie Meyers, 386-944-7269 ext. 1178, [email protected]

Stay Safe This Holiday Season

Guest Post by
Cheryl Tanenbaum
SVP and Chief Financial Officer
Intracoastal Bank

As we begin the hustle and bustle this time of year is so famous for, don’t let your holidays be ruined by becoming a victim of a crime.

Unfortunately, not everyone has the “peace on earth, good will toward men” attitude. So with a little common sense and practicing the following safety tips, you can ensure your holiday is filled with happiness and celebration.

Use your ATM card wisely – When using your ATM card, make sure to be observant. Look around for any suspicious persons or activity.

What’s in your wallet – Losing your wallet can be a disaster for your holiday and a field day for an identity thief. Limit the amount of confidential information you carry in your wallet. Never carry account numbers, PIN numbers, a passport or your social security card. Most importantly, never set your wallet/purse down - unless your hand is attached to it.

Parking – Always park in a well-lit area and take note of where you’ve parked. Lock your car and close your windows (also while driving). When you return to your vehicle, have your keys in hand and when you approach your vehicle look around you for anyone or anything that looks suspicious. Make sure to scan the interior and exterior (especially underneath the car) from a distance to be sure no one is hiding.  

Packages – Avoid overloading yourself with packages. It’s important to have clear visibility and freedom of motion to avoid potential mishaps. Lock all your packages out of sight in the trunk.

Cash – Avoid carrying large amounts of cash. Pay for purchases with a credit or debit card when possible. Notify your credit card company or bank immediately if your credit or debit card is stolen or has been fraudulently used.

Children – Make sure to go over a plan with your children ahead of time concerning what to do should you become separated while shopping. Never allow them to go to the parking lot or the car alone.

Scams – Be aware of anything that sounds too good – the “good deal” scams.

At home – Be extra cautious during the holidays. Make sure to always lock your doors and windows when you leave the house – even if it’s for only a few minutes. Leave lights on and music or the TV so the house appears to be occupied. Don’t have large displays of holiday gifts in open view of windows and doors. If you go away for the holidays make sure your home appears “lived in.” Purchase an automatic timer for your lights. Have a trusting neighbor watch your home and pick up your newspapers and mail while you are away. In addition, if you use lights on your Christmas tree, make sure they are in good working order and don’t leave them on while you’re not at home.

Drive defensively – Traffic is heavier during the holidays and drivers may also be indulged in too many holiday libations.

Parties – When hosting a party, find alternative transportation for guests who have had too much to drink; and if you are going out, please remember, Don’t Drink and Drive.

I hope by utilizing these helpful holiday tips, you and yours will have a safe and blessed holiday season!

Why We're Thankful

In honor of Thanksgiving, we asked our members to share why they are thankful coming into the holiday season. We received so many responses we could only select 12 submissions to run in our newsletter, The Voice.  Here are the submissions in entirety and thank you again to all of our members that shared their comments with us.

"This time of the year really makes me think about family. My family and I have been immensely blessed by the good Lord above and we are so very thankful. I would like to share these words which echoed throughout my family home: "To those whom much is given, much is expected."
- Trey Tully, Exclusive Agent/Personal Financial Representative for Allstate Insurance Company
 
“I'm grateful for God, my family, my amazing team at Marketing 2 Go, and the entire community that we live in. I wake up every day grateful for the life we are blessed to live in United States of America!”
- Cindy Dalecki, owner of Marketing 2 Go
 
“The Grand Club’s owners are thankful for our members and guests and their support through the tough times in the golf business. We're equally as thankful for our dedicated team of professionals, who are committed to making every experience for members and guests as enjoyable as possible.”
- Brian A. Malanson, COO of The Grand Club

“Professionally, I am thankful for all of the mentors that I've had throughout my career. Many never knew they were mentors because I didn't even realize their influence on me at the time. Some mentors I have admired from afar, through reading or attending speaking events. For their boundless sharing and "real world" educating, I thank them profusely, and I hope to pay it forward.”     
- John T (JB) Birney, owner of JBirney Financial
 
“We are thankful for our family, great friends & living our life in Flagler Beach!”
- Tony & Carolyn Marlow, owners of Golden Lion Café
 
“The staff of the Flagler Humane Society is thankful for the opportunity to work with animals. It's a rarity to be able to have your career match your passion. We are blessed each day to be met with wagging tails and purrs. No matter what our position in the shelter, the animals are always happy to be with us. They provide unconditional love, just the same as pets show their owners unconditional love. At the end of the day we go home and know that we have made a difference. Helping animals and their people is incredibly rewarding and for that we are truly thankful, today and every day.”
- Amy Wade-Carotenuto, executive director, Flagler Humane Society
 
“As I begin my 22 year as County Commissioner I continue to serve with pride
and honor by representing an independent voice for the people of Flagler County.”
- George Hanns, Flagler County commissioner
 
“My personal relationship with Jesus Christ as my Lord and Savior. I am thankful for my amazing wife and beautiful children. I am blessed to have such loyal clients year after year. I am thankful for having a strong work ethic and that I truly enjoy what I do.” 
- Mark Gerling, owner of Gerling Travel
 
“I am thankful for my wonderful husband Aaron Price. He has worked so hard over the last few years, while also being an amazing husband and father to our two-year-old son. I am very proud that he was named 2013 Firefighter of the Year for Flagler County Fire Rescue and also received an EMS Accommodation this year from a local service club.”
- Christina Price, operations manager at Daytona Beach News-Journal
 
“First of all I am thankful for my wonderful husband and all he does for me, especially his love and respect for me.  I am so thankful for my children, step children, grandchildren and very thankful for my parents and all my family.
 
I very thankful for the many friends that I have that are like family.  Especially my Kiwanis family of friends.
 
I am thankful for my job.  So many people are without jobs, and I realize that I am lucky to have a good job during these difficult times.
 
Every day I am thankful for the beauty that surrounds me.  The ocean, the flowers and trees and the smiles that I get throughout the day.
 
I am thankful to God for this wonderful life he has given me!”
- Sandra Abraham, Vice President of BB&T
 
“I am thankful for the opportunity to participate in Flagler Leadership 21. Just as the 21st birthday represents a momentous and empowering transition, Flagler Leadership’s 21st anniversary has offered a chance to celebrate and participate in the future of Palm Coast and the Flagler Beaches. I greatly appreciate the time and attention given by our community leaders who so enthusiastically presented to our Leadership Class. I look forward to graduating with a newfound wealth of knowledge and ideas. I am thankful that our Leadership 21 class bonded together as a team to support the Dolly Parton Imagination Library reading project. It is our hope that we will succeed in a fund raising effort capable of becoming an annual event available to assist and support legacy Leadership projects. Knowledge, experience and community service is the gift I have received from Flagler Leadership 21. I am thankful for the experience and chance to contribute to the future development of our Flagler County.”
- David Alfin, realtor with Watson Realty
 
“First and foremost I am thankful for my wife, and our family!  I am also thankful for the opportunity to serve on our Chamber’s board and Executive Board over these past six years, and all of the great people I’ve had the opportunity to work with at the Chamber including staff, fellow board members, and volunteers.  We are blessed to live in such a great community! Thank you all!"
- Garry Lubi, SVP Commercial Area Manager at Prosperity Bank
 
“I am thankful that I have become part of a community that seems to be so invested in seeing their friends and colleagues grow. I have owned multiple businesses in other states and have been surprised (and blessed) to see so much more entrepreneurial spirit here in Palm Coast and such a willingness among these business owners to make their business and their ‘partners in spirit’ thrive as well."
- Rebecca Howell-Boykin, owner of Atmosphere ReInvented Salon
 
“I am thankful for my family, the gospel in my life, good health, friends and my businesses… I am very blessed!”
- Patricia Tilton, owner of Tilton & Unger Insurance and Financial
 
 “I am thankful for all my family and friends God has given me.  And as a pastor of the Bread of Life Ministry my thanks to the Lord for the most wonderful group of people that congregate here.  We are not only a church, but have become a family, expressing the love of God toward one another. But most of all I thank God for giving me salvation and a better life.”
- Pastor Naida Beliveau of Bread of Life Ministry
 
“Palm Coast Community Church is thankful for our new preschool Palm Coast Community Child Center and the incredible growth it’s seen this year - we’ve gone from one child to 49! Thank you Flagler County for loving and supporting us! God is good!"
- Julie Davis from Palm Coast Community Church
 
“My name is Heidi Tassone. Two years ago my husband Joe and I started our own company, J & H Junk Removal, LLC. Just like many Americans we were let go from our long time, well paying careers. I am thankful, after a long year of struggles; we were able to find something that we both love to do.
 
“The decision to be our own bosses and become entrepreneurs was the easy part. The hard part was where to start. Because we spent many months trying to figure things out, we also spent a lot of time together walking and biking around Palm Coast. This is when we realized so many homes are vacant and realtors, owners, and property managers really could use a hand in removing all the stuff left behind. This would free them to sell or rent these properties. Hence, J & H Junk Removal was born January 5th 2012.
 
Within a month of our opening, we decided to join the Flagler Chamber. Best decision. Being unknown, joining the chamber opened doors we never knew were there. I am thankful for that decision.
 
We extended our company with handyman services from the beginning. We are one of many handymen in the area, but we are the only local junk removers. I am thankful for being able to start a business that is new to our area and to be able to help so many people.
 
“In our previous careers we met very few people. Today, we are thankfully a part of a wonderful community of people, neighbors, business owners, entrepreneurs, and friends. I am thankful for all of it. Thank you, Palm Coast, Flagler County and the Chamber."
- Heidi Tassone, owner of J & H Junk Removal, LLC
 
“I am very thankful for the community support in our real estate title insurance business at Deval, LLC which has allowed me to prosper in a place I call HOME! Having been in Flagler County since 1977 and growing up here, I just could not imagine raising my children and living anywhere else.”
- Leora Usina, Closing Director - SouthEast Region for DEVAL, LLC

“Reasons I am grateful? My parents simply put, they are responsible for my existence, and they have taught me values and a strong work ethic in which I will use in making my new venture in owning my own business successful.  They won't be around forever. Cherish them.”
- Rafael Medina, owner Royal Palm Pest Control

“I am grateful to come to work every day at Florida Hospital HospiceCare because I can offer help and support to healthcare staff, hospice patients and their loved ones.  Helping others is a great way to spend your workday, and provides me with a grateful attitude and a lot of smiles.”

-  Diane B. Trask, LMHC, MS, Community Liaison at Florida Hospital HospiceCare

What are you thankful for? Share your thoughts below.

Arts & Culture in Flagler : A report from Leadership Flagler 21

Chamber Leadership Class ‘21’ defies the Law of Diminishing Returns…

by David I. Alfin / PLLC, REALTOR®, SRES®
Watson Realty Corp.
386-585-0903 / [email protected]
www.ExceptionalPerformanceRealEstate.com

Class ‘21’ has enjoyed five of thirteen sessions of the 2013 Flagler Leadership program. It is my privilege to write this web log (blog) about Session 5 – Art & Culture. I am pleased to report that each session is generating increasing interest and enthusiasm. Unlike beer and ice cream cones, each new session is proving better than the last. The Law of Diminishing Returns Reversed!  Exposure to local services, facilities and resources has offered a snapshot of Flagler’s inner-self. I observed an extreme sense of pride and purpose from each and every one of the program presenters. It is now obvious that Leadership Flagler is all about the people and the people are great!

The State of the Arts & Culture in Flagler County is alive, well and growing. It is my opinion that Flagler Art & Culture is an undiscovered asset in the community. Our artists and performers attract a loyal following but deserve the attention of all Flagler residents. The presentations made by representatives of Flagler Art & Culture deserve a standing ovation for performance and enthusiasm.

We are fortunate to find such a diverse variety of visual and performing arts in Palm Coast and Bunnell. The Flagler County Art League and Hollingsworth Gallery focus on local artists exploring provocative themes. The Flagler Playhouse, Flagler Auditorium and City Repertory Theater offer regularly scheduled performances by talented and famous players touring country. It is a real pleasure to describe the availability and level of Art & Culture in our community to visitors and newly arrived residents.

Growth and evolution is the essence of art and culture in Flagler County. In addition to our special assets including Galleries of Art and Theaters of Performers we have artists dedicated to teaching their craft to young and old alike. Our local artists invest time and talent to pass their special gifts to others in the community. This is the real gift we receive from Flagler Art & Culture. I hope my own enthusiasm and support are shared by Class ‘21’ and you will join me in promoting Flagler Art & Culture beyond Leadership in all that we endeavor to do…it’s all about the people!

Good News for Florida

Area Development Magazine recently ranked Florida No. 1 for Renewed Consideration Post-Recession. This recognition is the second from the magazine this year, as Florida was awarded a Silver Shovel Award from Area Development earlier this summer.

According to Governor Rick Scott, this is great news and is more recognition for what Enterprise Florida and its partners are doing to create jobs for Florida’s families. Florida has not only been recognized by business development experts for its pro-business climate but CEOs around the nation recognized Florida as the No. 2 state to do business earlier this year.  The state's unemployment rate was again below the national average at 7.1 percent for July and the state has created nearly 370,000 private-sector jobs in a little over two years.

Area Development Magazine is a national trade publication that recognizes economic development around the country. The editors from Area Development surveyed a selected group of highly respected location experts who work directly with a national client base. They were asked to pick their top five state choices in 14 site selection categories.

Over the last fiscal year, 172 companies have expanded in Florida creating 25,393 jobs with a total capital investment of more than $1.9 billion. Some of the major competitive project wins include:

• Navy Federal Credit Union – two projects in Pensacola totaling 2,200 new jobs and more than $200 million in capital investments.
• Hertz Corporation – new worldwide corporate headquarters in Estero, creating 700 jobs and $68.75 million in capital investments.
• Verizon Communications – new finance and accounting Center of Excellence in Lake Mary will create 300 jobs by the fourth quarter of 2014, with a total of 750 new jobs by 2016, and a $50 million capital investment.
• Deutsche Bank Securities Inc. – two projects totaling 560 new jobs and more than $20 million in capital investments in Jacksonville.
• Actavis, Inc. – a specialty pharmaceutical company is creating 220 new jobs and $40.5 million in capital investments in Davie.
• Mobiquity – leading professional services company is creating 260 new jobs in Gainesville.

“The continued expansion and relocation of businesses to our state is a testament to our supportive business climate at the local and state levels,” said Secretary of Commerce Gray Swoope, president & CEO of Enterprise Florida. “We appreciate Area Development Magazine’s continued recognition of our relentless pursuit of competitive economic development projects that benefits Florida’s communities and families.”

In addition to its top ranking for Renewed Consideration Post-Recession, Florida was also ranked among the best states in Area Development including:

• No. 2 for Access to Capital & Project Funding
• No. 3 for Most Diverse Labor Pool
• No. 5 for Overall Business Climate
• No. 5 for Corporate Tax Environment
• No. 5 for Leading Work Force Development Programs

“With more than 369,100 new jobs in our state and 7.1 percent unemployment rate, the lowest since December 2010, our economy is back on track and Florida is becoming the best place in the nation for business,” said Florida Department of Economic Opportunity Executive Director Jesse Panuccio. “Numbers are only part of the story of Florida’s economic recovery. Perhaps more important, is that the conversation about Florida has changed in the business community and that our economic growth is recognized and reported to businesses in national trade publications like Area Development Magazine.”

Florida’s economic turnaround continued in fiscal year 2013, as economic development projects brought increased jobs and capital investments to the state. The number of competitive jobs projects won last year was up nearly 24 percent over fiscal year 2012, resulting in the creation of 41 percent more private-sector jobs and nearly 30 percent more capital investments.

***

Enterprise Florida, Inc. is a partnership between Florida's business and government leaders and is the principal economic development organization for the state of Florida. Enterprise Florida’s mission is to facilitate job growth for Florida’s businesses and citizens leading to a vibrant statewide economy. In pursuit of its mission, Enterprise Florida works closely with a statewide network of economic development partners and is funded both by the State of Florida and by private-sector businesses.

Small Businesses Fall Prey to Cyber Attacks

Guest Post by Cheryl Tanenbaum, SVP and Chief Financial Officer of Intracoastal Bank

Hackers are expanding their sights beyond the large multinational companies to small business owners. A recent survey conducted by Symantec and the National Cyber Security Alliance found that 77 percent of small business owners in the U.S. believe that their company is safe from cyber criminals and 83 percent of them don’t have a cyber security plan.

However, the threat to small businesses is greater than ever. The Secret Service and Verizon Communications, Inc.’s forensic analysis unit, which investigates cyber attacks, cites that a majority of their responses to data breaches over the last couple of years have been at companies with 100 or fewer employees. Visa, Inc. estimates that approximately 95 percent of the credit card data breaches it discovers each year are on small businesses.

Hacking small businesses is big business and unfortunately, it is going to get worse before it gets better.

The reason for this is three-fold. The first reason is that a majority of small companies have now gone to computerized systems, digital record keeping and conduct most their financial transactions online. The second factor is that most small companies don’t have the resources (financial, tools and manpower) or the time to fully secure their businesses from today’s ever-changing and increasingly sophisticated threats. The last and most significant factor is complacency. Most small business owners have the unrealistic mindset that this isn’t going to happen to them. After all, what could a hacker possibly want with a small company anyway? These high-tech criminals want their bank account information, employee lists, including social security numbers, and their customers’ credit and debit account information.

Typically, cyber threats on small businesses come from several sources, the most popular being outside the organization and from within the organization when an employee or an ex-employee steals data. Most financially motivated attacks rely on computer code that the hackers plant on victims’ computers, often as attachments or links in emails sent to employees. While these malicious programs are well known to security experts, the hackers tweak them frequently to render them undetectable to antivirus software.

The bottom line is, the costs of a breach can put a small business out of business. Unfortunately, there is no silver bullet. However, the following is a list of best practices for small business:

• Use secure web browsers.
• Maintain up-to-date firewall and antivirus protection as well as an intrusion detection system.
• Establish policies that stipulate how and when employees can access the Internet, especially when accessing the computer system from home or a mobile device.
• Run automatic computer updates.
• Never open emails, attachments or links from unknown sources.
• Never have sites remember passwords or financial information.
• Shut down computers when not in use.
• Businesses that use online banking for wire transfers and ACH origination should have a dedicated computer for those functions.
  

Intracoastal Bank, headquartered in Palm Coast, and is a locally owned and operated financial institution. Intracoastal Bank’s main banking center is located at 1290 Palm Coast Parkway, NW, Palm Coast, Florida 32137.  The bank’s Lending Center is located at 1659 N. Clyde Morris Blvd Ste 2, Daytona Beach, FL  32117. The bank serves the Northeast and East Central Florida area, offering a full range of deposit and loan products tailored to meet the needs of customers and the community. The bank is a state charted commercial bank, member FDIC.  Intracoastal‘s 5-Star "superior" rating distinguishes the bank as one of Florida’s strongest, safest financial institutions, according to BauerFinancial, Inc.  They can be reached via phone at 386-447-1662. More corporate information and e-banking are available at http://www.intracoastalbank.net, or join the conversation with Intracoastal Bank on Facebook at https://www.facebook.com/intracoastalbank.

Flagler Schools "Connect 2 Academy" needs YOU!

In order to be "the Nation's premier learning organization", Flagler Schools understands it must "Connect 2" the community in many different ways. One exciting new outreach is the "Connect 2" Academy, our version of the popular citizen academies used by other local governments.

The Connect 2 Academy is your opportunity to learn about what it takes to educate over 12,000 students every day. From peeks into the classroom to driving a school bus, you will gain a new appreciation for how a public school district runs and the people dedicated to the student it serves. Not only will you learn about the quality and breadth of opportunities afforded our children, but also how those programs are funded and how your tax dollars are allocated.

Four half-day sessions cover every facet of the school system with school tours, hands-on demonstrations, student interaction, and quality time with the experts in their fields.

This four session academy will be held the 2nd Tuesday of the month, September through December from 9:00 A.M. to 1:00 P.M. at the schools and other District facilities all across the county. The first class kicks off September 10th in the Board chambers at the Government Services Building.

Register by contacting Sabrina Crosby, Flagler County Schools Special Projects Coordinator at (386) 437-7526 or [email protected] for additional information. A $45.00 enrollment fee will cover class expenses, including breakfast and lunch at each session.

Register by September 4th for one of 25 seats in the inaugural class.

History of the American Flag (for Independence Day)

By Stan Drescher    

Our flag has been a symbol
That gave us inspiration
And provided needed strength
To help us form a nation

It tells all we are unique
Proud of our unity
And shows others every time
That we’re completely free

With a patched up Army
And many a gun to fix
Washington agreed to lead
In 1776

All listened and respected him
A leader they admired
This Continental Army
With a General who inspired

But the British lay siege to Boston
And he said we have a goal
He ordered take the city back
And soon we gained control

But his men were exhausted
And ‘tho hungry sought no praise
Yet they had been victorious
But had no flag to raise

So that year a flag was sewn
By seamstress Betsy Ross
She showed her work to Congress
Who gladly did endorse

Congress gave their approval
A flag for a new nation
With 13 stripes and 13 stars
A perfect constellation

But as more states chose to join
The stars did not align
We were proud and growing
But it changed the flag’s design

Then again the flag was changed
In 1794
And ‘tho more stars were added
There was still room for more

But then in 1818
Monroe came on the scene
It seemed to him uneven
So he chose to intervene

Since each star represents a state
There need be no revision
But there should be just 13 stripes
And that was his decision

He went before the Congress
And asked a vote be cast
To retain just 13 stripes
And unopposed it passed

But each star that was added
Was on a different date
The same day that state had joined
A subject for debate

So Monroe picked July 4th
The day we’d add a state
Then if a region chose to join
It would be on that date

The flag would have a birthday
After anticipation
And on that day of every year
We’d have a celebration

‘Tho stars added change our flag
Stripes must stay at 13
We started out as colonies
But who could have foreseen

Then when it was 1912
Taft was our President
He changed how each star would point
And set a precedent

In ’59 there were 49
And the flag had to be changed
So “IKE” gave the order
And stars were rearranged

Our country now has 50 states
So our flag 50 stars
But don’t forget 13 of those
Should be in your memoirs

To give allegiance to our flag
Is a promise to uphold
Our democratic way of life
And never be controlled
              
Each color is symbolic
The red, white and blue
But no matter where they wave
To all we must be true

White tells of our purity
Our land and lakes pristine
And ‘tho we try to live in peace
There is no in between

The blue stands for vigilance
No guilt if there is doubt
But to always persevere
With tranquility throughout

The red is for our valor
And symbol of our strength
We’ll never run from tyranny
By distance or its length

Our flag should never touch the ground
Be tattered or defaced
It must be clean, never drag
Or ever be disgraced

This prominent icon known to all
Is a history of our growth
So when we pledge allegiance
It’s more than just an oath

Poet Stanley Drescher is a resident of Flagler Beach and a trustee member of the Flagler County Chamber of Commerce.

Pricing Strategies for Small Businesses

Guest Post by Joe Roy, Palm Coast Business Assistance Center

Considering there are three ways to make money in a small business: (1) sell more; (2) reduce costs; or (3) raise prices, ineffective pricing strategies are a main reason why businesses fail. Since my job is to help businesses get and stay on track, let me share some suggestions how small businesses should approach pricing.
In establishing pricing for products or services, the first step is to calculate the direct costs of producing a product or service, the fixed and variable expenses, your salary as an owner and PROFIT! Consider the different methods of allocating a portion of all of your expenses to each of your products or services knowing that this step is critical to business profitability. When building a budget, you may want to start by building a budget line called Profit. Most business owners calculate gross margin by product or service and then determine profit through projections. When all of your budgeted expenses for the year have been totaled, allocate the overhead expense dollars based upon budgeted unit volume. Give yourself the best chance of “recovering the overhead dollars,” which pays your monthly bills.

Next, review overhead allocation strategies and the impact on cash flow and ultimately, profit.  Allocating overhead to each product or service will help you determine which are the most and least profitable items. By understanding price and gross margin, you’re now prepared to develop a promotional strategy to increase sales while building your “brand.”

Once you’ve established a tentative price, you’ll want to compare it with your competitors’ prices by ranking them from high to low in four quadrants. To set the price quadrants, take the lowest price and subtract from the highest price, and then divide by 4. (i.e.  $150 - $50 = $100/4 = $25). The low quadrant is then $50 (low price)+$25 (quadrant spread) or $75, next is $75.01 - $100, and so on. Next, place your product/service into the appropriate price quadrant. If your pricing falls in either of the bottom two quadrants, you should develop a strategy to raise your price with quadrant B as a target. Though customers are always interested in price, they may not be willing to sacrifice quality for price. Remember, the customer establishes a perceived value of your product or service based on price. Correct pricing allows businesses to take care of their customers and employees while providing for future growth.

Most small businesses are price driven companies. Take time to build your sales and operating budgets, while also understanding your pricing and that of your competitors. If you need help, please call me at 386.986.4765.

Started in 2011, the Palm Coast Business Assistance Center is the result of a unique partnership between the City of Palm Coast and the University of Central Florida Small Business Development Center. The Center’s mission is to help grow local businesses. The Center offers personalized services by appointment, Mon. to Fri. 8AM to 5PM.

Top 10 "to dos" for a successful ribbon cutting

At a recent Chamber Diplomats meeting, we were chatting about ribbon cuttings and open houses, and what makes a successful event. As a member who recently helped organize our company’s ribbon cutting last summer, I started thinking about what we did that brought us more than 60 guests (who weren’t employees) and media coverage. While the Chamber helps promote the event to members, most of the success came from the efforts our company made.

So for you, here is my list of the “Top 10 Things To Do For a Successful Ribbon Cutting or Open House”:

1. Think of the event as an opportunity to showcase your business and your services to the community. You may need to check with your local city or county government regarding possible permits or support for parking, signage, tents, etc.

2. Include a grand opening line item in your budget as a necessary cost of doing business.

3. Create an actual invitation (maybe a flyer) and a list of people to invite. Send invitations out about two weeks prior. Yes, the Chamber will help by inviting members. However, you should invite everyone you do business with, elected officials, neighboring businesses, people in the community with whom you have a relationship, family and friends. If you’re already open for business, hand out invitations to customers before the event. When able, follow-up with personal phone calls two days prior. Don’t forget to make sure to invite local media.

4. Food & drinks! If you serve food & drinks, they will come. This doesn’t have to be anything too heavy. Finger-foods and hors d’oeuvres work best. Water, soft drinks, beer & wine, champagne. It is really up to you and your budget. Don’t forget the strategically placed garbage cans, too.

5. Present your business. Prepare marketing collateral that people can take home or back to their office. Also, be sure to have a couple of well-versed staff members present to answer questions, network and educate guests about your company and services.

6. Find Your Flow. Figure out what flow works best for your location. Make sure there’s a space where guests can network. Many people look to these events as an opportunity to support business partners, socialize and increase their own visibility.

7. Consider offering door prizes from your business and others. This gives people a chance to try your services at no or low cost.

8. Have a guest book, or even easier, collect business cards for the door prize drawings. This way you can track who and how many attended. Follow-up with guests later if needed.

9. Entertain. Bring in entertainment, maybe a local musician for some background music, to create familial and other than business-as-usual atmosphere. This really adds “special” to special event.

10. Say THANK YOU. Not just as people are leaving. The next day, take a few minutes using the business cards you collected, to send a thank you note to each person who attended and remind them that you are here in our community and would love and welcome their business.

Good luck! Remember, Chamber staff is always available to answer questions and offer support. Also, feel free to call me at 386.206.9730 if there is anything I can do to help out. Be sure to also let me know if you have an event and I’ll try to make it!
 
Laura M. Zublionis, CVA
Volunteer Coordinator, Haven Hospice
Web: www.havenhospice.org

It’s a Blog Thing, Baby...

Guest Post by Connie Rice, VP of Marketing, Creative Consulting

After online journaling for many years in the mid 1990s, I began a Blogger blog in 2002 when I moved to Palm Coast, Florida.  It was a way to keep my friends and family back home informed of my new life in the Sunshine State.  I kept it up for eight years, until blogging and social media for business began to really attract my attention.

These days I set up and maintain blogs for various clients and I find them to be effective ways to promote, connect, and market.  Blogs are also beneficial to search engine optimization strategies, and provide ample content for social networking profiles.  All too often I come across blogs that were started but not kept current, which in my opinion gives the impression of a business that is not thriving.  

Two examples of blogs I write for my customers are Solar Florida (for Wayne’s Solar) - http://solarflorida.blogspot.com and Landscape Design, Installation, and Care (for Serene Settings) - http://floridalandscapedesign.blogspot.com.   Although we also provide Wordpress services, I am still a big fan of Blogger, especially because I know Google has a special affection for it as well (rankings!).

I wish the best of luck to my friends at the Flagler Chamber of Commerce with their new blog!  And if you are interested in a personal or business blog of your own, please don’t hesitate to contact us at Creative Consulting – http://creativepages.net (386) 447-1193.