Voice of the Valley An Advertising Supplement to The Daily Item and The Danville News
season of change
The Financial Stages of Life Presented by:
James L. Richmond - Partner at 1847 Financial 570-884-3088 • firstname.lastname@example.org
Abraham Lincoln once said, “If I had six days to chop down a tree, I’d spend five of them sharpening my ax.” What Lincoln meant by that remark is that sometimes, planning for an event can take longer than the event itself. This is particularly true when it comes to planning for a secure financial future.
Many people put off financial planning, especially during uncertain economic times, because they either don’t know where to begin, or they don’t think they have enough money to make it worthwhile. The truth is: there is never an ideal time or place to begin and there is no specific level of income or assets one needs to have to make planning for the future “worthwhile.” You can (and should!) begin planning for the future regardless of which life stage you are in and regardless of how much money you have.
To begin the planning process, you first need to identify your present and future financial goals. If you’re like most people, your goals will include protecting your family in the event you die prematurely or become disabled; managing your expenses while paying down debt; buying your first home or helping your children pay for college; saving for retirement; and distributing your assets to your heirs – privately, equitably, and tax-efficiently – following your death. Fortunately, there are steps you can take during each of your life stages that will help you build, and then maintain, your personal financial security. Let’s take a look at them:
The Foundation Years If you’re in your foundation years, you are probably facing the most difficult times you will ever have financially. You may be newly married or just out
of school; you may be taking on debt in order to acquire – and maintain – your family’s lifestyle; and you are probably starting a new job or career. While you may be earning enough money to live on, it could easily be taking all you have just to meet your monthly expenses (e.g. student loans, rent or mortgage payments, car loans, utilities and regular household costs). Steps you can begin taking now to plan for the future include managing your cash flow without going further into debt; establishing an emergency fund of three to six months income; and protecting your loved ones. To help accomplish these goals, you should consider buying a combination of term and permanent life insurance. Term insurance is an inexpensive way to obtain the amount of protection your family needs, while permanent allows you to begin building cash values that accumulate income tax-deferred. If your finances permit, this is also a good time to purchase disability insurance, as you will be in a better position to lock in a lower rate based on your age and health. The Accumulation Years Once you’ve covered the basics – protecting your family and income, establishing yourself in a job or career and perhaps buying your first home – it won’t be long before you’ll want to start setting aside a portion of your earnings in tax favored accumulation vehicles such as IRAs and employer-sponsored 401(k) plans - especially if your company offers employer “match” dollars. Contributions to these plans can be made on a tax-deductible basis and plan assets grow income taxdeferred. During these years, money you were formerly paying in rent may now be going towards your mortgage,
the interest on which may be income tax-deductible to you. At the same time, you may also be building equity in your house. If you have children, you may want to think about setting money aside in a college savings program, and you may want to begin expanding your investment horizon to include stocks, bonds, and mutual funds. While investments such as these carry a greater amount of risk, they also come with the potential for greater reward. Your accumulation years are also a good time to review your life insurance protection to ensure it is still sufficient to meet your family’s growing needs. You may also want to consider adding special riders, which may be available at additional cost, to your policy that extend protection to family members. The Preservation Years Once you’ve reached the preservation years, you will probably have accomplished many of your early financial goals. What’s more, you may finally have the financial freedom to accomplish a few of the special things you may always have wanted to do such as purchase a vacation home, help your children or grandchildren get established financially, or perhaps even retire early. But your planning isn’t over yet. There are still steps you will want to take to help ensure that your future financial security won’t be compromised by a long-term illness or unnecessary taxes and penalties. Looking into your long term care and retirement distribution options, including how, when, and how much you should begin drawing from your savings, could save you a significant amount of money and make the difference between a comfortable or merely “safe” retirement.
The Golden Years When you do finally retire, you will enter what many people refer to as their “golden years”. During your golden years you can finally begin enjoying the fruits of all your hard work and planning. In this stage your debts are probably paid off; your finances are probably in order; and you likely have some discretionary funds that allow you to travel or enjoy a few favorite activities. If you’ve planned carefully, your golden years can be a time for doing what you want, when you want. During this stage, you may not only want to plan how you will pass your assets on to your heirs, but also how you might benefit a favorite charity. To accomplish these goals, you will want to consult with a financial advisor about trusts, powers of attorney, and charitable giving strategies. If your income exceeds your expenses, you may also want to consider using distributions from your retirement plans to pay premiums on a life insurance policy. By doing so, you can increase the value of what you leave to your heirs plus help make sure there are adequate funds available to pay taxes, final expenses, and other estate settlement costs. Building personal financial security is not something you accomplish just once, nor is it something you begin once you’ve accumulated a specific amount of assets. It is something you start doing as soon as you can and keep doing throughout the various stages of your life. To that end, if you’re among the millions of working men and women who dream of one day being financially secure, I encourage you to take a few minutes – right now, right where you are – to consider your financial goals and the various life stages through which you’ll
pass. Knowing which stage you are in– and the challenges and opportunities you will face during those stages – can help you make the right decisions.
Gfederal penalty tax. One should always consult with a qualified legal or tax advisor regarding their individual circumstances.
Investors should consider the investment objectives, risks, charges, and expenses of a mutual fund carefully before investing. Please carefully read the prospectus, which contains this and other information about the product. You can obtain a prospectus from a financial professional.
Securities and investment advisory services offered through Hornor, Townsend & Kent, LLC (HTK), Registered Investment Adviser, Member FINRA/SIPC, 161 Washington St., Suite 700, Conshohocken, PA 19428. 610-771-0800. www. htk.com. HTK is a whollyowned subsidiary of The Penn Mutual Life Insurance Company. 1847Financial is unaffiliated with HTK. © 2011 The Penn Mutual Life Insurance Company, Philadelphia, PA 19172 03/14
Withdrawals from retirement accounts may be subject to income taxes and when taken prior to age 59½ may be subject to an additional 10 percent
INSIDE this EDITION
Just A Word by Bob Garrett Leadership Susquehana Valley GSVCC 2019 Calendar of Events Fall Vehicle Maintenance Tips GSVCC Non-Profit Luncheon Finding Fall Foliage & Covered Bridges Creative Plantscapes Committed to Quality
2 3 4 5 6 7 8
GREATER SUSQUEHANNA VALLEY CHAMBER MISSION The Greater Susquehanna Valley Chamber of Commerce advances the prosperity of its communities, commerce, culture, fellow citizens, and their businesses in its region through the leadership of its members.
On August 1, the Greater Susquehanna Valley Chamber of Commerce, State Representative Lynda Schlegel Culver, and officials from Senator John Gordner’s office joined Charlie and Tracy Miloro, and many of their vendors, as they cut the ribbon on a new business in Northumberland Borough, the Queen Street Shops of Northumberland. After purchasing and renovating the interior at 95 Queen Street, Charlie and Tracy Miloro have transformed the site (formerly a bar) into a family-friendly vendor space, featuring 38 vendors. These vendor “shops” include local artists, craftsmen, antique-sellers, aromatherapy, and more.
SEPTEMBER 2019 | Voice of The Valley
President’s Message | Just A Word
Just A Word...
Board of Directors
“Summer ends, Fun Keeps Going” Wow, where did this summer go?
Chairperson Sue Greene, Penn State Executive Programs
vice chairperson Art Thomas, Meck Tech Inc.
While today, Labor Day, is not officially summer’s end, for the record, the season of summer goes to the ‘Autumnal Equinox’ on September 21st. So, at the risk of making much ado about nothing, let’s squeeze all the fun into the remaining three weeks of summer.
Here at your Chamber, we still have lots of events, both indoors and outdoors, which you should give some thought to attending. Our 14th Annual Economic Forecast Luncheon is coming up on September 12th at The Rusty Rail in Mifflinburg. Anirban Basu is returning as our keynoter, and he’s a real crowd pleaser. We will probably sell-out, so please get your reservation in today at gsvcc.org.
Dave Herbert, Camp Mount Luther
On September 27th, we will return to the Three Ponds Golf Course in Elysburg for our Annual Golf Classic event in support of our Young Americans program. This course is expertly managed by the Knoebel’s crew, and it has become preferred by many Chamber members. Again, feel free to register your foursome at gsvcc.org. The Country Cupboard complex is, once again, the location for the Women’s Leadership Symposium. This day-long networking and learning event will be headlined by Tina Welch with presentations from Angela Hummel, Julie Rockey and Jilline Bond. The Chamber’s website (gsvcc.org) is the best place to complete your registration or give us a call at 570-743-4100. Please let me wrap up by encouraging you to read on in this edition of the Voice of the Valley, sponsored by 1847 Financial. Over the years, 1847 Financial has served as an invaluable resource to the Chamber and for our members. On behalf of our entire membership, I would like to thank Jim Richmond of 1847 Financial for his expertise, generosity, and his friendship.
John Uehling, Contrast Communications
Region Vice Presidents Fred Scheller, The Daily Item Jennifer Hain , SUN Area Technical Institute Kendra Aucker, Evangelical Community Hospital Judi Karr, Nottingham Village Senior Living Community Jeff Reber, Susquehanna Valley Home Services LLC Brion Lieberman, Geisinger
Directors Greg Zeh, Weis Markets Ken Potter, RHP LLC John Kurelja, Central Susquehanna Intermediate Unit Jessica Brazier, M&T Bank Reed Byrum, Bucknell SBDC Gene Welsh III, GDK Development Aimee Buehner, Bowen Agency Josh Bradley, AgChoice Farm Credit Malcom Derk, Susquehanna University Amber Depew, UPMC Susquehanna
President & CEO email@example.com
Director of Finance firstname.lastname@example.org
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Leslie Temple, Fulton Bank
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Photos provided by Schindlers Studio
WELCOME NEW MEMBERS • Beverly’s Flower Shop Contact: Beverly Katalenas 9 East Independence Street Shamokin, PA 17872 570.644.1747 www.beverlysflowersshamokin.com
Contact: Aimee Boyer 217 Point Township Drive Northumberland, PA 17857 570.473.3585 www.boyerchiro.com
Beverly’s Flower Shop is a professional, local florist, proudly serving Shamokin, PA and surrounding areas. Whatever the occasion, let one of our talented designers create a beautiful, eye-catching, fresh or silk floral arrangement that’s customized just for you! We offer traditional and contemporary floral design styles that are appropriate for birthdays, anniversaries, get well, new baby, sympathy, holidays, or just because.
Providing quality chiropractic care to the people of the Central Susquehanna Valley since 1990. We provide services to those who may be struggling with a variety of health issues caused by nerve interference from vertebral subluxations (spinal misalignments). Our goal is to help you achieve optimal health through the correction of vertebral subluxations and release of spinal nerve interference.
• Union Township Fire Company
• The Campus Theatre
We are an all-volunteer fire department, servicing Union Township, Union County, PA.
The Campus Theatre is a non-profit movie theatre built in 1941, and is one of the few remaining single-screen, Art Deco movie houses in the country.
Contact: Dave Welshans 40 Municipal Lane Winfield, PA 17889 570.524.0834 www.uniontwpfire.net
• Samek Art Museum Contact: Tiffany Demmon 701 Moore Ave. Lewisburg, PA 17837 570.577.3792 www.museum.bucknell.edu
The Samek Art Museum is a program of Bucknell University that creates meaningful encounters between artists, students, scholars, the public, and works of art. The museum is an academic art lab where experimental art, innovative curatorial practices, and co-curricular programming generate new ways to engage and inspire audiences.
Contact: Donna Padilla 413 Market St. Lewisburg, PA 17837 570.577.7906 www.campustheatre.org
Contact: Katie Heaton 22 Lorian Drive Selinsgrove, PA 17870 267.391.9714 www.brightfarms.com BrightFarms is the No.1 provider of local produce nationwide, uses far less energy, land, and water than conventional agriculture, and delivers fresher, local produce to grocery stores within 24 hrs.
SIDCO Unveils New Logo
The Susquehanna Industrial Development Corporation (SIDCO) Board of Directors is focusing on its future and how it impacts the local region. In an effort, to appeal to broader demographic, SIDCO has made a decision to move forward with a rebranding plan. As a first step they will market themselves to the local community as the Greater Susquehanna Business 2
• Boyer Chiropractic Clinic, PC
SEPTEMBER 2019 | Voice of The Valley
2019 Chair’s Circle Members 1847 Financial Aloysius Butler & Clark BB&T BJE Poultry Bowen Agency Realtors Coldwell Banker Penn One Real Estate Contrast Communications Evangelical Community Hospital First National Bank of PA Fulton Bank GDK Development Geisinger Jersey Shore State Bank Kreamer Feed M&T Bank MCPS of Central PA Members Choice Financial Credit Union Mifflinburg Bank & Trust Company National Beef North Shore Railroad Nottingham Village Senior Living Community Penn State Executive Programs Penn State World Campus PPL Electric Utilities Practical Business Solutions Purdy Insurance Agency Service 1st Federal Credit Union Service Electric Cablevision, Inc. Stahl Sheaffer Engineering, LLC SUN Area Technical Institute Sunbury Broadcasting Corporation Susquehanna University The Daily Item The Northumberland National Bank UPMC Susquehanna Weis Markets
Members, Submit your news-worthy
Development Council (GSBDC). The Advertising Art & Design students of SUN Area Technical Institute developed logo designs for the GSBDC as a community service project. Students presented their ideas to the Council and modifications to the designs were completed by the students.
2859 N. Susquehanna Trail Shamokin Dam, PA 17876 570-743-4100 / 800-410-2880 Fax: 570-743-1221 Hours: M-F 8:30am - 4:30pm gsvcc.org
Jenny Wentz at
Emily Grabow (Lewisburg Class of 2019) with her winning logo design.
Chamber partnerships | Leadership Susquehanna Valley
Oh, and By the Wayâ€ŚNo Notes By Chris Berleth Perhaps it can be attributed to a twisted sense of humor, or a penchant for unmasking the new Leadership Susquehanna Valley (LSV) class early on in the program year, but Iâ€™ll confess that I utter no better words during the Class Orientation than â€œOh, and by the wayâ€Śno notesâ€?. Itâ€™s about setting the tone for a great and challenging year, and I love this part of the LSV journey. Let me explain. From the outset, the August orientation (a kickoff for the 10-month LSV program) is a blur of activity. Class members arrive expecting a sit-down meeting and are instead confronted by â€œIce Breaker Bingoâ€?, a game designed to challenge the class members to get to know their peers before they even get a chance to sit down. A careful reading of the rules at the top of the page reveals that there are ways to win BINGO quickly, but class members always get a shock when they realize that for adults, they didnâ€™t do such a great job simply reading directions. Pride, zero, humility, one. After remarks from LSV co-founder Bob Garrett, LSV Class of 2019 Ambassador Ryan McNally, a local employer (the Daily Item) represented by John Zaktansky (Class of 2018), and sponsors (Susquehanna Fire Equipment and North Shore Railroad, respectively), class members are given an assignment that will follow them for the remainder of the year: they must give a professional introduction. At the orientation, the introduction is of the person directly beside them, but during the remainder of the year, it will be assignments of local heroes, experts, and leaders. At orientation, class members are asked to speak to their partner for five minutes (timed) and then theyâ€™re to rise, state their name, and introduce their peer. Just at the end of the instruction, I utter my favorite phrase, and the tone of the room changes in an instant. Class members sigh loudly, guffaw, or nervously buckle down. All theyâ€™re allowed is the five-minute memory and the order theyâ€™ve given to the thought in their now spinning and nervous minds. Itâ€™s an open challenge to speak in public well. Itâ€™s a challenge you should consider for yourself. Why is â€œno-notesâ€? so galling? After they finish, (some rising to meet the challenge, and others more acutely aware of their weaknesses) we debrief. We coach one another, offering praise and kind critiques. We urge class members to be memorable while being instantly forgettable when introducing a speaker. Introducing someone well takes tact â€“ it means speaking with confidence, showing fullthroated support for what one is about to speak on, and getting out of the way oneself. It takes charm, lightheartedness, adaptability, humility, and, in the best cases, a willingness to dig deep and get to the most important parts. â€œGood morning (aware of the actual
Kendy Alvarez, Clayton King, Andrea Holsizer play â€œIcebreaker Bingoâ€?.
Vanessa Venios, Kelly Hottenstein, Christi Stahl, Kyra Smith-Cullen and members of the LSV Class of 2020 play â€œIcebreaker Bingoâ€? to kick off the 2020 program year.
Levi Burkholder (Evangelical Community Hospital) and Barbara Aucker (UPMC Susquehanna) are all smiles as LSV kicks off.
Loni Briner, President of the Leadership Susquehanna Valley Board of Directors, gives her leadership credo and shares during a sponsorâ€™s moment. Loni is employed by North Shore Railroad, this yearâ€™s Orientation Print Sponsor.
Keith Foust, Owner of Susquehanna Fire Equipment and a LSV Board Treasurer, shares what LSV has done to help the eight employees that his company has sent through the program.
time). Iâ€™m pleased to have the opportunity to introduce ___, who is uniquely gifted and will enrich our lives by sharing with us. (Insert joke if called-for.) Please, listen in to what he/she says, because I know I will be listening closely.â€? I love how simple and yet how profoundly difficult it is to stretch out of oneâ€™s comfort zones, and that LSV is meant to drive us to this point earlier than ever upon meeting new people. This challenge bonds us, forces us to consider that we donâ€™t have all the answers. Most of all, this moment serves as the warning light that a really great thing is about to happen â€“ that moment when 26 community leaders jump in and commit to being nonjudgmental, to helping one another, and to learning, for the betterment of this place we call home. Special thanks to Orientation Sponsor Susquehanna Fire Equipment, Print Sponsor North Shore Railroad, the orientation host Fulton Bank, for making this moment possible. Itâ€™s going to be another great year.
Check out the latest Gently issue of the
Voice Used of the Merchandise Valley
on our website www.gsvcc.org
Andrea Hulsizer (Muncy Bank & Trust) introduces Imanni Burg during the Introduction Challenge. Andrea rose to the occasion, as she was tasked with introducing Imanni shortly after meeting her â€“ and without notes.
Knoebels fun continues in September and October Labor Day marks the unofficial end of summer, but thereâ€™s still plenty of fun in store at Knoebels in September and October. Knoebels is excited to announce its fall lineup of events, including September Weekends, Doggie Dive, Knoebel Lumber 5K, Phoenix Phall Phunfest and Hallo-Fun. Knoebels is open Saturdays and Sundays in September with the exception of the 28 and 29. Saturday hours are noon-8PM and Sunday hours are noon-7PM, with ride-allday passes available. One, particular September event tends to draw lots of four-legged visitors, and with good reason. September 8 is the 7th annual Doggie Dive at Crystal Pool from 11AM3PM. In addition to the dive itself, guests can take part in a Chinese Auction, visit with rescue organizations and check out vendor booths. â€œItâ€™s wonderful to see how
happy the dogs are playing in the pool, and at the same time raise money and awareness for some of our local animal rescues,â€? said Kim Blee, one of the event founders and organizers. Another upcoming fundraiser is the 26th annual Knoebel Lumber 5K on October 5. All proceeds benefit Ralpho Township Public Library. Registration is at Pavilion L from 7:30-8:15AM and the race begins at 8:30AM. An official race t-shirt is provided to those who register by September 7 and prizes are awarded to top finishers. Later that day marks the unofficial kick-off of Knoebelsâ€™ Halloween season with the 34th annual Phoenix Phall Phunfest. Rides are open from 11AM-10PM, and guests can spend the day at the Covered Bridge & Arts Festival from 10AM-6PM and the Souvenir Swap Meet from noon until 4PM. At dusk, the park becomes a special place
Salvation Army Thrift Store 334 Market St. Sunbury 570-286-2552 Mon. - Fri. â€˘ 9a - 3p Sat. â€˘ 9a - 2p
for ghosts and ghouls of all ages, with a costume parade at 8PM. Hallo-Fun, Knoebelsâ€™ official Halloween event, is October 11-13, 18-20, and 25-27, and is open Fridays from 6-10PM, Saturdays from noon-10PM and Sundays from noon-5PM. â€œDuring Hallo-Fun, our entire park transforms into a festive environment for the whole family,â€? said Jonathan Slodysko, who organizes Hallo-Fun. â€œThe entire park features fall dĂŠcor, our food managers create new menu items, we have special entertainment, and some of our rides take on a whole new life with a Halloween theme, including our Pioneer Train which will have a brand new storyline this year.â€?
Guests can purchase payone-price plans during Hallo-Fun, enjoy a character breakfast on Sunday mornings (reservation only), play Zombie Elimination at Lazer Command, and even take part in a trail of treats for children 12 and under in costume. For event details, pricing and registration, check out www. knoebels.com/events Fall Event Photos Download: https://www.dropbox.com/ sh/glz9uktiqda2m5z/AAC-mHXu2Rc6cAUMhurYcDa?dl=0 Contact: Stacy Ososkie Public Relations Director Knoebels Amusement Resort 570-672-2572 (office) firstname.lastname@example.org
Central Susquehanna Intermediate Unit
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Voice of The Valley | september 2019
Greater Susquehanna Valley Chamber | 2019 Calendar of Events
Upcoming events Greater Susquehanna Chamber
sept Business & Education Committee Meeting Wednesday, September 4 7:30 am - 8:30 am GSVCC - 2859 N. Susquehanna Trail, Shamokin Dam, PA 17876 Think About Energy Briefing Wednesday, September 4 7:30 am - 9:00 am The Country Cupboard, Slifer Room-101 Hafer Rd., Lewisburg, PA 17837 Community Prosperity Alliance Committee Meeting Thursday, September 5 9:30 am - 10:30 am Heritage Rest. - 52 N. Market St., Shamokin, PA 17872 Financial Friday Friday, September 6 8:30 am - 9:00 am On The Mark, 1070 AM Governmental Affairs Committee Meeting Friday, September 6 11:30 am - 1:00 pm Marzoni’s - 834 N. Susquehanna Trail, Selinsgrove, PA 17870 Events Committee Meeting Monday, September 9 12:00 pm - 1:00 pm Barnes & Noble - 400 Market St., Lewisburg, PA 17837 11th Annual Economic Forecast Luncheon Thursday, September 12 11:15 am - 1:00 pm Rusty Rail - 5 N. 8th St., Suite 1, Mifflinburg, PA 17844
GSVYP 2nd Thursday Social Thursday, September 12 5:30 pm - 7:30 pm Generations Asset Management 776 Bull Run Crossing, Suite 100, Lewisburg , PA 17837 Transportation Committee Meeting Friday, September 13 7:30 am - 8:30 am Hoss’s - 3134 N. Susquehanna Trail, Shamokin Dam, PA 17876
OCT Women’s Leadership Symposium Tuesday, October 1 7:30 am - 4:30 pm The Country Cupboard - 101 Hafer Rd, Lewisburg, PA 17837
Communications Committee Meeting Wednesday, September 18 8:00 am - 9:00 am Fulton Bank - 1255 N. Susquehanna Trl, Hummels Wharf, PA 17831
Business & Education Committee Meeting Wednesday, October 2 7:30 am - 8:30 am Barnes & Noble - 400 Market St., Lewisburg, PA 17837
Joint Legislative Breakfast Friday, September 20 7:30 am - 9:00 am The Country Cupboard - 101 Hafer Rd, Lewisburg, PA 17837
Community Prosperity Alliance Committee Meeting Thursday, October 3 9:30 am - 10:30 am Barnes & Noble - 400 Market St., Lewisburg, PA 17837
Chair’s Circle Breakfast: Cost of Doing Business Imperative Tuesday, September 24 7:30 am - 9:00 am Greater Susquehanna Center CCC Women’s Leadership Symposium Committee Meeting Tuesday, September 24 8:30 am - 9:30 am Barnes & Noble - 400 Market St., Lewisburg, PA 17837 18th Annual Golf Classic Friday, September 27 8:30 am - 1:30 pm Knoebels Three Ponds Golf Course - 954 PA-487, Elysburg, PA 17824
Financial Friday Friday, October 4 8:30 am - 9:00 am On The Mark, 1070 AM Governmental Affairs Committee Meeting Friday, October 4 11:30 am - 1:00 pm Marzoni’s - 834 N. Susquehanna Trail, Selinsgrove, PA 17870 Agriculture Luncheon Thursday, October 10 11:15 am - 1:00 pm Barn Appetit - 1300 State Route 405, Milton, PA 17847 GSVYP 2nd Thursday Social Thursday, October 10 5:30 pm - 7:30 pm Ard’s Farm - 4803 Old Turnpike Lewisburg, PA 17837
Transportation Committee Meeting Friday, October 11 7:30 am - 8:30 am Hoss’s - 3134 N. Susquehanna Trail, Shamokin Dam, PA 17876
Business & Education Committee Meeting Wednesday, November 6 7:30 am - 8:30 am Barnes & Noble - 400 Market St., Lewisburg, PA 17837
Women’s Leadership Symposium Committee Meeting Tuesday, November 26 8:30 am - 9:30 am Barnes & Noble - 400 Market St., Lewisburg, PA 17837
Events Committee Meeting Monday, October 14 12:00 pm - 1:00 pm Barnes & Noble - 400 Market St., Lewisburg, PA 17837
Community Prosperity Alliance Committee Meeting Thursday, November 7 9:30 am - 10:30 am Watsontown Borough - Watsontown, PA
Communications Committee Meeting Wednesday, October 16 8:00 am - 9:00 am Fulton Bank - 1255 N. Susquehanna Trl, Hummels Wharf, PA 17831 Governmental Affairs Committee Meeting Friday, October 18 11:30 am - 1:00 pm Marzoni’s - 834 N. Susquehanna Trail, Selinsgrove, PA 17870 Ambassador Committee Meeting Friday, October 25 8:00 am - 8:30 am Conference Call
NOV Financial Friday Friday, November 1 8:30 am - 9:00 am On The Mark, 1070 AM Governmental Affairs Committee Meeting Friday, November 1 11:30 am - 1:00 pm Marzoni’s - 834 N. Susquehanna Trail, Selinsgrove, PA 17870
Communications Luncheon Thursday, November 7 11:15 am - 1:00 pm Front Street Station - #2 Front Street, Northumberland, PA 17857 Transportation Committee Meeting Friday, November 8 7:30 am - 8:30 am Hoss’s - 3134 N. Susquehanna Trail, Shamokin Dam, PA 17876 Events Committee Meeting Monday, November 11 12:00 pm - 1:00 pm Barnes & Noble - 400 Market St., Lewisburg, PA 17837 Joint Legislative Breakfast Friday, November 15 7:30 am - 9:00 am The Country Cupboard - 101 Hafer Rd, Lewisburg, PA 17837 Communications Committee Meeting Wednesday, November 20 8:00 am - 9:00 am TFulton Bank - 1255 N. Susquehanna Trl, Hummels Wharf, PA 17831 Ambassador Committee Meeting Friday, November 22 8:00 am - 8:30 am Conference Call
For A Full Calendar of events or more information, PLease see gsvcc.org
Christmas Party Wednesday, December 4 5:00 pm - 8:00 pm Barnes & Noble - 400 Market St., Lewisburg, PA 17837 Financial Friday Friday, December 6 8:30 am - 9:00 am On The Mark, 1070 AM Governmental Affairs Committee Meeting Friday, December 6 11:30 am - 1:00 pm Marzoni’s - 834 N. Susquehanna Trail, Selinsgrove, PA 17870 Events Committee Meeting Monday, December 9 12:00 pm - 1:00 pm Barnes & Noble -400 Market St. Lewisburg, PA 17837
GSVYP Jingle Mingle Thursday, December 12 5:30 pm - 7:30 pm Bull Run Tap House-605 Market St. Lewisburg, PA 17837 Transportation Committee Meeting Friday, December 13 7:30 am - 8:30 am Hoss’s - 3134 N. Susquehanna Trail, Shamokin Dam, PA 17876 Governmental Affairs Committee Meeting Friday, December 20 11:30 am - 1:00 pm Marzoni’s - 834 N. Susquehanna Trail, Selinsgrove, PA 17870
Herndon Lions For the past five years, the members of the Herndon Area Lions Club have received Chamber updates which have ranged from economic data to tours of the Panda Hummel Power Plant.
Elaine Schmick presents certificate to Bob Garrett.
This year, a dozen or so Lions Club members traveled up the river and stopped by the Shamokin Dam Chamber headquarters. During a delicious meal arranged by the Chamber staff, these folks watched several ‘virtual reality’ videos of how the Southern Section of the Central Susquehanna Valley Thruway will operate once it opens over the next decade. After that the group carpooled to two locations to ‘field view’ the Thruway’s Northern Section. The first stop was the new bridge on the re-located Ridge Road. At this spot, it’s easy to see and understand how Thruway traffic will cross the West Branch of the Susquehanna River and head to destination both near and far. The second stop was for the ‘wow effect’ that comes by simply standing at the southern abutment of the massive River Bridge, just outside of Winfield.
Check out the latest issue of the
on our website www.gsvcc.org SEPTEMBER 2019 | Voice of The Valley
Voice of the Valley
SEASON OF CHANGE | Member News
10 practical tips to help get your car ready for fall
Check the brakes and tires. Inclement weather and associated road conditions and other hazards require good stopping power. That means good brakes and tires. If the tires have wear bars showing, say the experts, you need to replace the tires. Most good brake and tire shops will inspect the brakes and tires at no charge. Also check the tire pressure, as tire pressure drops when the outside temperatures plummet. Keep the pressure at levels recommended by the vehicle manufacturer.
Check the lights. Walk around the outside of the car and check the operation of all lights: headlights, taillights, parking lights, brake lights and emergency flashers. Replace all broken bulbs and those that have stopped working. Make sure all lights are clean. If you own an older vehicle with sealed-beam headlamps, you might want to pony up for halogen lamps for improved visibility and safer driving.
Replace wiper blades. The purpose of wiper blades is to completely clear the windshield. Cracked or worn blades won’t do an adequate job. Check the blade’s rubber to ensure it is flexible and operate the wipers to see that the blades clear the glass. Replace worn blades.
Make sure heater/defroster work. Driving with an improperly working heater isn’t fun or safe. Driving with fogged-up windows is an accident waiting to happen. Check front and rear window defrosters to ensure proper working condition. If necessary, have heater and defroster systems repaired. Have the battery checked. A fully charged battery is necessary to start the car in cold weather. Have the battery and charging system inspected by a trained technician who can replace it if required. If you see signs of corrosion on the battery terminals or cable ends or if you spot loose
connections, your battery needs attention.
Inspect under the hood. Looking under the hood will allow you to identify any obvious signs of wear or items that need replacing or fixing. Look for leaks, cracks or loose clamps in the cooling system and squeeze the hoses and replace any that are spongyfeeling or brittle. Inspect the underside of drive belts for fraying and replace as required. If you’ve noticed any engine noises, experienced sputtering or other engine problems, have a licensed mechanic thoroughly inspect the engine and make any necessary repairs. Change oil and air filter. If the oil is dirty or you’re at your recommended oil change time, change the oil. Also check the air filter to ensure that it is clean enough to allow for proper operation. If you can’t see light through it when you hold it up to a 60-watt bulb, it’s time to replace the air filter. Refill cooling system. Experts
such as AAA recommend checking the coolant level in the overflow tank when the engine is cold. If the level is too low, add a 50/50 solution of water and coolant to allow proper antifreeze capability. It may be necessary to refill the cooling system.
Check all fluid levels. This includes washer fluid, along with transmission, brake and power steering fluids. Make sure they are all at or above minimum safe levels and refill as necessary.
Get a good car wash/detail. It may sound crazy, spiffing up your car with an extra-special wash or even a detail, but when your vehicle is clean, it’s easier to spot any potential problems. Retrieved from www. thecarconnection.com.
Christmas in July Agents and Staff at Coldwell Banker Penn One Real Estate participated in Christmas in July. The office held a toy drive through the month of July and also held dress down days every Friday. The office was able to raise $360 for The Eastern Union County Supplemental Food Drive Toy Program and were able to donate a full box of toys with help from the public. “I love knowing that our agents and staff care about the children as much as they do. Every year we hold a toy drive at Christmas and give out toys to children. This is the first time that we did a Christmas in July and I’m proud of everyone for their participation!” said Martha Barrick, Broker. Coldwell Banker Penn One Real Estate is located at 331 Market St., Lewisburg, PA and can be reached at 570-524-7500 or coldwellbankerpennone.com. Coldwell Banker Penn One Real Estate has been serving the area for 33 years. Contact: Kaitlin Snoddy 570-524-7500 Website: www.coldwellbankerpennone.com
Sunbury Christian Academy Hosts Comedian & Ventriloquist, Taylor Mason
Pictured: Lise Barrick, Jodie Bryant, Doug Wertz, Leigh Wible, and Peg Bouton
Everyone is invited to come and enjoy this fun-filled community event. Sunbury Christian Academy hosts Taylor Mason on the campus of Sunbury Bible Church across from UPS on Rt. 11, North of Northumberland, Saturday, September 14th at 6:30 PM. Mason’s show is sure to have young children and senior adults laughing together. Tickets for the show are $15 or 4 for $40. For those wanting to make it a night with a dinner and show, a spaghetti dinner will be served at 5:00 PM.
Tickets for the dinner are $8 adults, $5 children 10 & under. Tickets can be purchased online at
sunburychristianacademy. org or by calling 570-473-7592.
Pictured: Jess Strawser, Pam Diehl, and Alan Barrick
Ten Mistakes That Can Make Your Healthcare Organization More Vulnerable to a Breach By: Elizabeth Burke and Kimberly Shutters, HIPAA Connection, LLC and HIPAAalli 10. Text messaging patients without HIPAA encrypted software. No texting patients on your cell phone carrier’s platform. 9. Collecting patient data on your website without the use of Patient Portals. In order to ensure that your patient’s PHI is safe from unauthorized access, patient portals are hosted on a secure connection and accessed via an encrypted, password-protected log in. 8. Communicating PHI over social media platforms. Truly, this is just a very bad idea. 7. Not encrypting mobile devices that store, house or transmit PHI. 6. Neglecting to provide your staff with
up to date HIPAA education, including cyber awareness training. 5. Failing to use multi-factor authentication. The standard username and password isn’t secure enough for Covered Entities and their Business Associates who need to access PHI. 4. Not performing appropriate due diligence on your Business Associates. Technology and our gig economy have now made it very easy and cost effective to outsource functions within your organization. However, it is YOUR responsibility to ensure your Business Associates are not only compliant with HIPAA but are in full compliance with your Business Associate Agreements, which brings us to number three…
3. Overlooking the importance of a watertight Business Associate Agreement that clearly identifies breach protocol, addresses any additional state regulations and requires the Business Associate to develop internal processes to assess security. Any Business Associate who won’t sign such a BAA is a liability, keep shopping for another vendor. 2. Not managing roles and access within your organization. Not everyone in your organization requires unrestricted access to PHI. 1. Noncompliance with Policies and Procedures as required by the HIPAA Breach Notification Rule. 1430622345
Voice of The Valley | september 2019
SEASON OF CHANGE | Member News
Networking with Non-Profits
On Thursday, August 8th the Greater Susquehanna Valley Chamber of Commerce hosted their Member Luncheon: Networking with Non-Profits. The event was held at The Lewisburg Hotel in their beautiful 2nd floor banquet room, where Chamber members networked with one another and celebrated our local non-profit organizations by learning how they impact the Greater Susquehanna Valley. The Chamber would like to extend their sincerest gratitude to all of their member non-profit organizations for their impact in our Valley and especially to those who participated in the luncheon, which include: • Susquehanna Art Museum • Pennsylvania Career Link • Ronald McDonald House of Danville • PCC Corner of Hope Family Resource Center • Sunbury Area Bowling Association (SABA) • LIFE Geisinger • Central Susquehanna Opportunities • The Campus Theater • Snyder-Union-Northumberland Habitat for Humanity • The Greater Susquehanna Valley United Way After networking and lunch, the program began with a few words from the Chamber’s Board Chair Sue Greene, Director of Corporate Learning at Penn State Executive Programs. Joining Sue was Lise Barrick from Coldwell Banker Penn One Real Estate, who sponsored the luncheon, and guest speaker Angela Hummel, owner of Angela Hummel Consulting, LLC. Angela gave a fantastic presentation on how to stay proactive and productive as a leader in the Valley.
No Ringer of Susquehanna Community Bank speaking with Harry Morgan of Central Susquehanna Opportunities Inc.
Angela Hummel, Owner of Angela Hummel Consulting, LLC, spoke to Chamber luncheon attendees about being a proactive and productive leader in the Valley.
Chamber members networking with one of the participating non-profit vendors, SUN Habitat for Humanity.
Pictured L to R: John Uehling, Contrast Communications; Aimee Buehner, Bowen Agency Realtors; Art Thomas, Meck-Tech, Inc. & Diversified Construction, Inc.; Lori Martin, Advanced Tech Hearing Aid Centers; Alice Anne Schwab, Susquehanna Art Museum.
Aging-In-Place: What Home Renovations Should You Consider? In the bathroom, stepping over the tub wall into the shower can be challenging. The tub/ shower may need replaced with a barrier free or “beach entry” walk-in shower. A higher comfort height or chair height toilet may be installed. Replacing the vanity sink with a sink that provides sufficient knee space
can be helpful. Throughout the home, you want to look everywhere to see if there is enough space to maneuver…the bedroom, kitchen, hallways and doorways. Many times, doorways need to be widened. If possible, find yourself
a certified aging-in-place specialist to walk you through the plethora of possibilities for improving accessibility throughout your home, while considering the dearth of reasons not to make the improvements. Investing $15,000-$40,000 today may allow you to stay in your home for many years to come.
Diversified Construction, Inc. renovated this bathroom for a resident in Lewisburg, PA to provide a beach entry tile shower and a sink with adequate knee clearance. A comfort height toilet was also included.
The fastest-growing segment of the residential remodeling industry is home modifications for aging-inplace. These are renovations that help homeowners remain in their homes safely, independently, and comfortably as they age. Changes may be as simple as installing grab bars at strategic locations throughout the home, to as complex as relocating walls and doorways, and reconstructing entire bathrooms or constructing building additions. The first step is to identify an individual’s needs, for both today and into the future. Once determined, a scope of work for home modifications can be determined. Most modifications revolve around
four major adaptation categories: ramps, vertical platform lifts, stair glides, and bathroom modifications. However, many other changes can also be made to improve access throughout the home. Outside, how well can you get from the car to your front door? Is there a sidewalk? Is it wide enough? Does it slope up to the porch, or
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Certified Aging-In-Place Specialist Contractor Diversified Construction, Inc., of Selinsgrove, PA installed this vertical platform lift for a resident Sunbury Middleburg Hummels Wharf 570-884-1050 570-286-8856 570-765-7158 National Bank in Danville, PA, to enableThe herNorthumberland to get www.norrybank.com from her vehicle in the driveway into her home.
is a ramp required? How about navigating that step up into the house from the porch? Maybe a platform should be built on top of the porch to eliminate that step. Sometimes four to seven steps, or more, are required to get into the home, and there isn’t enough room for a ramp. A vertical platform lift may be required.
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SEPTEMBER 2019 | Voice of The Valley
Port Trevorton Selinsgrove 570-884-1052
SEASON OF CHANGE | Member News
Finding Fall Foliage & Covered Bridges Autumn is a magical time to spend in Central Pennsylvania, with cool, crisp days and vibrant foliage colors making for beautiful days in the countryside. Perhaps the best thing to do in the area during peak fall foliage time is to visit some of the 25 historic covered bridges located in Columbia & Montour Counties. With many of the bridges spanning babbling brooks and surrounded
by changing leaves, it’s a perfect photo opportunity. Though picturesque yearround, these bridges are undoubtedly the most stunning when showcased alongside the vibrant fall colors. Combined, the two counties have the third most covered bridges in the entire country, behind only Lancaster County, PA and Parke County, IN. Each year, travelers from
around the world visit Columbia & Montour Counties to photograph and explore these historic treasures. The most iconic are the East and West Paden “Twin Covered Bridges”, which are one of only two pairs of twin bridges in the country. While the Twins are undoubtedly the most renowned, every bridge in the area has a unique story to tell. The recently re-painted Stillwater Bridge is thought
to be the only bridge in the country with a herringbone floor pattern. Actor Burt Reynolds once even visited the Josiah Hess Bridge and signed the guest log.
Jud Christian, Creasyville, and Sam Eckman bridges are all deep in the rural countryside on unpaved roads with wonderfully wooded backdrops.
While the Twins, Stillwater, and Josiah Hess bridges are the most visited, some of the most picturesque bridges to photograph in the height of fall foliage are those in the northern end of Columbia County.
The best time to visit the area to capture the covered bridges with peak fall foliage is usually the second and third weeks in October, but it varies slightly each year depending on the weather. Be sure to actively check
fall foliage calendars as the season approaches for expected peak changes. To locate some of the historic covered bridges in Columbia & Montour Counties, travelers can request a free covered bridge driving map from the local Columbia-Montour Visitors Bureau. Simply call 570784-8279 or visit www. iTourColumbiaMontour.com/ request-a-brochure.
The 12th Annual Sire Golf Marathon Took Place on June 11 Sire Advertising is pleased to announce the success of the 12th Annual Sire Golf Marathon held on June 11, 2019. For the past 12 years, Sire President Shawn Felty has completed 108 holes of golf to raise money for local youth organizations. Thus far, the event has raised over $75,000 in contributions.
“Giving back to our community has always been a priority at Sire Advertising,” said Felty. “The Annual Sire Golf Marathons have been
our way of supporting local programs that enrich the children in our region. We can’t thank our supporters enough for helping us reach our goals over the years. We couldn’t do this without your generous donations.”
Each year, Sire selects two youth based organizations to benefit from the Annual Sire Golf Marathon. This year, all proceeds were split between the Selinsgrove 5th Grade Camp and the Selinsgrove Area Community Pool. Both
organizations offer invaluable programs and opportunities to enrich local youth. For 45 years, the Selinsgrove 5th Grade Outdoor Education camp has been dedicated to providing students with a camp educational setting, where they can learn about important life lessons such as leadership, confidence, and self-reliance. The Selinsgrove Area Community Pool has been open for 50 years, providing a place for members of the community to enjoy social and recreational
Zach Showers, Outdoor Ed Coordinator at the Selinsgrove Area Intermediate School and Shawn Felty, President of Sire Advertising.
activities during the summer months.
Richard Mease, President, Selinsgrove Area Pool, Shawn Felty, President of Sire Advertising, Karen Buch, Board Member, Selinsgrove Area Pool, and John Walters, Board Member, Selinsgrove Area Pool.
“With continued interest and support from concerned businesses like Sire Advertising, the quality of our Outdoor Education Program will continue and flourish, said Zach Showers, Outdoor Ed Coordinator.” In 12 years, the Sire Golf
Marathon has raised over $75,000 in contributions. Since its start in 2008, The Golf Marathon has been successfully raised funds through the support of sponsors to improve the lives of children in the Susquehanna Valley. This year, the Golf Marathon raised $5,100.00, which will be split between the two local
non-profit organizations. Sire Advertising is incredibly grateful for the support of sponsors, like you, who have made this event a success! Contact: Shawn Felty, President Sire Advertising email@example.com 570-743-3900
Local Communities and Organizations Have Teamed Up To Go Gold Throughout September To Raise Awareness About Pediatric Cancer cations; Rusty Rail Brewing Company, Mifflinburg; Scarlet D, Mifflinburg; Service 1st Federal Credit Union, Danville; The Stonehouse, Williamsport; Watson Inn, Watsontown; and West End Ale Haus, Bloomsburg.
Members of the Going Gold Committee recently announced events being held throughout September 2019 to raise awareness about pediatric cancer and support the ThinkBIG® Pediatric Cancer Fund. Pictured L to R: Colleen Phillips, Service 1st Federal Credit Union; Cassandra Niglio, ThinkBIG Pediatric Cancer Fund; Colby Wesner, ThinkBIG Pediatric Cancer Fund; Jace Rovenolt, Old Forge Brewing Company; Carol Tevis, ThinkBIG Pediatric Cancer Fund; and Kelly Miller Barrick, Lewisburg.
September 2019 will mark the 5th year that local organizations and communities have joined forces to help fight pediatric cancer and raise funds to benefit the ThinkBIG® Pediatric Cancer Fund. The Going Gold initiative, which began in 2015, continues to expand. To date, this initiative has raised $42,800.
Organizations and businesses involved include: Brendan’s Towne Tavern, Lewisburg; Bull Run Tap House, Lewisburg; Heart to Hand Ministries, Danville; Lewisburg Hotel, Lewisburg; Marley’s Brewery & Grille, Bloomsburg; Matty’s Sporthouse & Grill, Lewisburg; Nickle Plate, Elysburg; Old Forge Brewing Company, Danville and York lo-
The ThinkBIG Pediatric Cancer Fund reported that about 15,500 children in the United States are diagnosed with cancer every year. Research to help find a cure for pediatric cancer is severely underfunded. Some report only 4% of available government funding goes to support pediatric cancer research. But, together, we can make a difference.
Each event will feature a proclamation, entertainment, and much more. The public is welcome and encouraged to attend. Going Gold shirts* will be sold during the events for $15. In September, shirts will also be available at any Service 1st location, while supplies last. Marley’s Brewery & Grille and Old Forge Brewing Company have collaborated on a special brew called Gold Dust pale ale for this year’s Going Gold initiative. $1 from each pint of Gold Dust purchased throughout the month will be donated
to this cause. * Additionally, Rusty Rail Brewing Company is donating $1 from every goblet of their Fool’s Gold that is sold during September. All proceeds will benefit the ThinkBIG Pediatric Cancer Fund. To find a Going Gold 2019 event near you, or to learn how you can support the initiative, call 800.562.6049 or visit www.service1.org.
Upcoming Going Gold 2019 Kick-off Events:
• Wednesday, September 4, 2019 at 6:00 pm at Marley’s Brewery & Grille, 1323 Columbia Blvd., Bloomsburg • Wednesday, September 11, 2019 at 6:00 pm at Brendan’s Towne Tavern, 600 Market Street, Lewisburg To view a full list of events, please visit https://www. service1.org/promo-landingpages/gg.
Voice of The Valley | september 2019
SEASON OF CHANGE | Member News
Creative Plantscapes Committed to Quality Celebrating their 30th year in business, Creative Plantscapes has been creating beautiful outdoor environments since 1989. Beginning with 1 old pick-truck and 2 employees, Creative Plantscapes was determined to be a different kind of landscape company, one which put quality, customer satisfaction, and overall customer experience at the forefront. Now, 30 years later, a fleet of 22 trucks and 49 employees continues to provide high quality landscapes to satisfied customers all over the Susquehanna Valley. The commitment to quality begins with their employees, who are the backbone of the company. They realize that the only way to get a great finished product is with great people. Their people are highly trained, polite, professional, honest, trustworthy, and are committed to delivering the highest quality job possible for each and every customer. All of their hardscape foreman are ICPI certified through the Interlocking Concrete Pavement Institute of America, and planting foreman are Certified Landscape Technicians through the National Association of Landscape Professionals. They know that their customers demand the best, and their employees reflect this in their desire to make every customers experience personal, and exceptional. Creative Plantscapes employs some of the most creative designers in the area who are committed to making their customers outdoor living spaces both beautiful and functional. All of them have many years of experience and are Pennsylvania Certified Horticulturists. They meet personally with each customer, and really listen to their wants and desires to assure the space is designed just right. From patios and walkways, to pergolas, pavilions, plantings and water features, the design possibilities are endless. If you can dream it, Creative Plantscapes can build it!! They are proud and humbled to say that their customers become their friends!!! The commitment to quality doesn’t end there, Creative Plantscapes is so confident in their people and products that they have implemented one of the best guarantees in the industry. They offer a 2 year guarantee on all plantings and workmanship, and offer an unprecedented 5 year guarantee on all hardscape installations, not seen anywhere else in the industry! Their ability to do this is accredited to their highly trained and dedicated employees following strict guidelines and processes on each job, and using only the highest quality products and methods available today. Creative Plantscapes mission is to provide professional landscape and lawnspace design, installation and maintenance that ‘exceeds the expectation of every client, every day, on every project’. Although they compete for business by offering the best design and planning, plants and materials along with the most cost-efficient implementation available today... it’s still their people that make all the difference, and who consistently drawing rave reviews from the clients they serve. They invite you to experience the difference a truly great landscape can make!! 8
SEPTEMBER 2019 | Voice of The Valley
The Daily Item's Business to Business publication. #b2b #shoplocal #supportlocal #smallbusiness #greatersusquehannavalleychamberofcommerce #...
Published on Sep 4, 2019
The Daily Item's Business to Business publication. #b2b #shoplocal #supportlocal #smallbusiness #greatersusquehannavalleychamberofcommerce #...