The Whitehouse Area Chamber is excited to announce that we will be supporting local marketing efforts for the National Small Business Saturday Day!  We recognize and believe that our small businesses are what help build strong and substainable communities!  This year's date is Saturday, November 30, 2013 and falls between Black Friday and Cyber Monday.  Marketing materials are available for our local businesses with a special Small Biz Saturday luncheon and launch being offered to allow members to maximize their efforts at their locations with a workshop on Tuesday, October 29, 2013 from 11:30 a.m. to 1:00 p.m. at the Chamber offices-10802 Waterville Street-Whitehouse.  The cost for the luncheon is $10 and a reservation is required to attend.  The Chamber will provide FREE materials to members to help them make Small Business Saturday A HUGE SUCCESS in Whitehouse!!!!! Shop Small.Shop Often. 

REGISTER NOW FOR THIS WORKSHOP:
 http://www.chamberorganizer.com/members/evr/reg_event.php?orgcode=WHOC&evid=16485681

Paychex is known for our outstanding payroll services, perhaps the best kept secret is the benefit administration that comes included with the payroll service. The benefit admin service allows clients to access services such as HCR compliance, deduction management, COBRA, Balance Care support line, W-2 reporting and enrollment assistance.  When choosing Paychex as your payroll provider and broker for your benefits your business will enjoy stream lined administration and a better employee benefit experience. We provide HRA/HSA and FSA admin services as well. Schedule time with a Paychex H&B rep and learn how easy benefits can be.
Please contact me to discuss our great opportunities to help your business!

Stacey Heckel
Sales Consultant
7010 Spring Meadows West Suite 102
Holland, Ohio 43528
(567)395-1134 Cell  (419)861-3388 ext: 56222 Office
1-866-276-1052 Fax

Nearly 85% of my business is based on referrals.

If you know anyone who is opening a new business or someone who may need payroll services, please let me know.  I would love the opportunity to help them.

The latest and greatest in mobile devices is making you feel that your phone or tablet is obsolete before you leave the store. It seems like two years is far too long to keep anything nowadays. But, with the switch phenomenon comes some very large risks for you and your business.
Do you have a Bizhub or Copy Machine? Is it on a lease? When the lease is up do you know where your copier is going to end up? If your machine has a scanner, it has a record of every check, drivers license, etc. you have ever copied. The same applies to your phone!
This week we have an excellent resource for you on how to protect yourself and your business from Identity Theft and or a Data Breach. It is “Cyber Risk and Liabilities - Safely Disposing of Your Devices.” Do you delete, overwrite or destroy. Check out your options and see if you have done what you need to do with your old devices.
Seeing Beyond Insurance
Nobody likes it, few understand it, many avoid it. What is it? It’s your business insurance. I am Robert Keogh and here at Diversified Insurance Service we try to see how our product can affect your total operation. We hope that some of the information we shared today benefits you. If you would like an exposure audit please feel free to contact me at 800-848-2788. We don’t just stop at excellent coverage and fair pricing—that should be expected. We like to help our clients avoid loss and continue business operations if they do suffer loss.
 
Sincerely,
 
Robert Keogh
rkeogh@divinsurance.com

Even with a flurry of last-minute negotiations to avoid a U.S. government shutdown, no agreement was reached, and a partial shutdown began on Oct 1. Essential services will continue, including Social Security and Medicare payments as well as many others. 

No one can know how long this partial shutdown will last or the full impact, which will likely grow in proportion to its length. The pain is greatest for furloughed government workers and those whose activities are tied to national parks and other government services. But most people will continue their daily routines without any disruption. And that's why we believe that the impact on the economy and the financial markets is likely to be small.  While you might think shutting down the U.S. government, especially with all the associated uncertainty, would trigger a market decline, that hasn't always been the case: 
There have been 17 government shutdowns in the past, most recently in 1996. 
Stocks dropped during nine of them and rose during the other eight. 
After the shutdowns ended, the average stock market gain was 2.5% over the following three months and 13.3% over the following 12 months.*
That's one reason we think you should stay invested and consider any short-term decline as an opportunity to add quality investments at lower prices. It's concerning that our leaders in Washington are unable to reach agreement on a budget to keep the federal government operating. But they did reach a last-minute agreement to continue paying the military. And we think they'll also reach a last-minute agreement to raise the debt ceiling later this month, avoiding more severe consequences. In the meantime, you'll need patience, discipline and common sense to keep these policy dramas in perspective and continue with your life and long-term financial strategy as usual.

Sincerely,
Matt Padgett II
Financial Advisor

*Source: Congressional Research Service, Preventing Federal Government Shutdowns: Proposals for an Automatic Continuing Resolution, 2001. Bloomberg, S&P 500 and Edward Jones calculations. The S&P 500 is an unmanaged index and is not available for direct investment. Past performance does not guarantee future results.