Page 1

free

volume two issue two

FuelBelt

turning passion into a thriving business solving the dehydration problem

Daddy, What Do You Do For Work Founders League Hits The Ground Running Record Keeping For The Self-Employed features: Providence Animal Rescue League | Central Chamber


Courses, Certificates, Degrees Downtown Providence and Online

RWU.edu (401) 254-3530


Gil Lantini | From The FOUNDER

Happy Anniversary to the Rhode Island Small Business Journal! This issue marks the one year anniversary of our first publication date. What started out as an idea in July 2011, hit the stands in February 2012 and one year later we’ve lived to tell our story. Just like a wedding day, I remember the day our first issue went to press. It began with anxiety and stress, that lead up to the ultimate moment

from the founder

of excitement, the “I do”. That was the moment Jim sent the files off for production. We followed that up with our post ceremony “reception” at a favorite Providence bar. That night marked a celebration of eight months of hard work we had put into building the concept and the brand, and RISBJ was finally now going to be a reality. Unfortunately for us, unlike a wedding there was no honeymoon after. I recall waking up the next morning after a long night out and thinking to myself “Do I really have to start on our next issue NOW”? The world of publishing was new to me and the thought of having to do this all over again was a bit overwhelming. Not only did we start on the next issue right away, but we’ve done it 10 more times since. With 12 issues scheduled for 2013, RISBJ has become the voice of entrepreneurship in Rhode Island, supporting our small business community, and we are here to stay. This anniversary issue is one of our best yet. Our featured cover story is on FuelBelt, a Rhode Island company that has been on the Inc. 5000 list 6 years in a row. Founder Vinu Malik turned a lifelong passion of his into a thriving business. I truly believe that to be successful in business you need to have passion for what you do. Malik’s story shows us that if a market for your product exists, we can combine our passion with hard work and determination to be successful. Thank you to everyone who has helped us turn our passion into a reality. We enjoy bringing you each and every issue of RISBJ and hope to continue to do so for a very long time. The traditional gift for a one year anniversary is paper and I couldn’t think of a more fitting gift to give than volume 2 issue 2 of RISBJ. If we make it to 50 years, Ralph promises a gold plated magazine. We’ll see how that turns out. In the meantime, I hope you enjoy this anniversary issue!


®

We Make Credit Card Processing Simple! Ask about our Guaranteed Merchant Saves Money Program a free, no obligation, cost savings analysis

One Number, One Call For All Your Merchant Services Needs

We Also Offer: Electronic Credit Card Processing

Point of Sale Systems

Gift & Loyalty Card Programs

Remote Deposit Capture

E-Commerce Solutions

Check Solutions

Mobile Processing

Payroll Services

Cash Advance Programs

ATM Machines

The Local Choice In Accepting Every Payment Option

800-527-5395

22 Morris Lane • East Providence, RI 02914 • eastcommercesolutions.com 2

RISBJ | rhode island small business journal


MOVING BUSINESSES Gil Lantini President, Founder Ralph Coppolino Vice President, Operations

The “Go To” Mover of Choice.... in the Southern New England Area.

& Business Development Danny Angeli Account Executive James Pardee Jr Creative Director and Design Editor Mike Casale Graphic Designer Aaron Cadieux Video Production Manager Contributing Writers Lisa Buben Miriam J. Calore Kristin Carcieri-MacRae Jeffrey S. Deckman Darlene Evans Peter George Jeremy Girard Adam Harvey Jeanne A. Hulit Douglas Jobling

SATISFACTION GUARANTEE

Steven J. King, PE Carolyn Lavin Dave Lubelczyk Donna Mac Bob Manasier Ivan Misner Ralph Mollis Chris Poe Elizabeth Pierotti Patricia Raskin Peggy Riley Dr. Ronald G. Shapiro Mari Anne Snow

FOR ADDITIONAL INFORMATION & A FREE ESTIMATE VISIT

GentryMoving.com

RI: (401) 233-2786 MA: (508) 656-2786 CT: (860) 821-2150

Tim Sullivan Mayor Angel Taveras Melissa Withers

www.facebook.com/risbj twitter.com/risbj 401 831 7779 info@risbj.com www.risbj.com ©MMXIII Rhode Island Small Business Journal

www.risbj.com | volume two issue two

3


09

Secretary Of State

06

Daddy, What Do You Do At Work?

09

Making A Difference For Small Business

10

Spotlight On Startups

12

When Passion Meets Execution

15

How Social Media Has Transformed Public Relations

16

Building A Strong Contact Sphere

18

An Educated Consumer Is The Best Consumer

20

Networking And Workshops

21

Elders vs Egos

21

What’s Flowing This Issue?

Read. Replenish. Repeat. 4

RISBJ | rhode island small business journal


Navigating Your Communication Skills

26

Ways For Taxpayers To Get Tax Help

28

Run Your Business Like An Entrepreneur

30

New Jobs And New Beaches At The Quonset

33

Reaching Out Through The Airwaves

36

Show What Your Customers Think Of You

37

Manufacturing Renaissance Revisited

38

First Impressions

39

Forewarned Is Forearmed

44

Your Small Business Online In 2013

40

Featured Story: Fuelbelt

46

Record Keeping For The Self-Employed

41

Business Profile: Mutual Cornell

50

3 Tips For Staying Focused

42

Featured Chamber: Central Chamber

52

Chamber Chat

53

Just Because You Can, Doesn’t Mean You Should

54

Capital City: Providence’s Comeback Story

56

Founders League Hits The Ground Running

58

Social, Visual, Mobile, Virtual: Part II

60

The Importance Of Optimizing Your Website For Mobile

62

Featured Nonprofit: Providence Animal Rescue League

64

Golocal

66

Commercial Real Estate

68

Community Corner

72

www.risbj.com | volume two issue two

5

41

58


Secretary of StatE | Ralph Mollis

Encouraging Economic Data Points to Better Times Ahead for Entrepreneurs

Barstool, Raincloud and the uniquely Rhode Island “Backyahd.” “It appears that ‘Backyahd India Pale Ale’ is going to be our flagship brand,” explains Garrison. “It’s the ultimate suburban brew, aggressively hopped with a tantalizing hop aroma. The beer’s bitterness pairs perfectly with spicy foods coming straight off the grill.” Despite the success of start-ups like Foolproof, Mollis says there are signs that the economic shake-out is not over. In 2012,

Secretary Of State Ralph Mollis

6,725 corporate entities disappeared, about 1.5 percent more than 2011. Still, Rhode

It appears that Rhode Island’s entrepreneurs

companies hit 4,479 in 2012, up 6.6 percent

are continuing to be more optimistic about

compared to 2011.

when the Great Recession officially began. That year a record 7,071 companies went out

the economy’s recovery, based on 2012 data from Secretary of State A. Ralph Mollis.

Island did better than in 2008,

If you want to toast the encouraging

of existence.

economic news, consider a beer from Last year 7,121 new business entities

Foolproof Brewing Company, which was one

“Our economic difficulties have taken a

registered with his office, the most since the

of those 7,000 start-ups last year. Finding the

terrible toll on all of us, but most signs

Great Recession officially began in 2008. “We should be careful about reading too much into these numbers after years of struggle. There may still be pain ahead, but

2012 marked the first time there have been two consecutive years of growth since 2006-2007

at least there are signs that the economy is headed in the right direction,” says Mollis. beer shouldn’t be a problem, according to

appear to point to better days ahead,” he

Mollis tracks annual business filings because

President Nick Garrison. Though based in

says. “Making it easier to start a business in

most newly formed business entities in

Pawtucket, you can already order Foolproof’s

Rhode Island will create jobs and jumpstart

Rhode Island choose a corporate structure

brews in dozens of pubs, restaurants, and

the economy.”

that requires registering with his office.

liquor stores from Westerly to Woonsocket.

For example, 2012 marked the first time

“We worked on getting the brewery off the

there have been two consecutive years of

ground for quite some time. Last year we

growth since 2006-2007. Starts were up 4

reached the point where we were ready

percent last year compared to 2011, which

to tackle the business in earnest,” says

was up 1 percent compared to 2010.

Garrison. “I needed time to pull the right team together, write the business plan, find

“Judging from our work with start-ups over the past year, there were indications that

a location and equipment, and put together the financing. And I had to do a lot of

people have more faith in the future of

research about the regulatory environment

the economy. But the results are still a bit

as well.”

surprising,” says Mollis. The Pawtucket-based brewery kicked And for the first time since 2004-2007, there

off with three beers in its product line.

have been four straight years of growth in

Each one is named for a particular

any corporate legal structure classification.

life activity, or as Garrison calls

The number of newly formed limited liability

them, “sacred beer experiences:”

6

RISBJ | rhode island small business journal


hosted pbx s mall bus i n ess

Move Your Phone System to the Cloud Unlimited Local and Long Distance Works Across Multiple Sites Business Continuity and Disaster Recovery

• • • • • •

You Keep all your Numbers Big Business Presence Small Business Budget Freedom, Flexibility, Control REAL SERVICE - REAL PEOPLE 100% Satisfaction Guarantee

BridgeC

nnex

Communications

WWW.BRIDGECONNEX.COM | 24 HR CUSTOMER SUPPORT LINE | 888 749 3510 www.risbj.com | volume two issue two

7


STATEWIDE BUSINESS AFTER HOURS

Tuesday, March 19, 2013 4:30 pm to 7:30 pm $15.00 Per Person - Cash Bar Rhodes on the Pawtuxet 60 Rhodes Place, Cranston Don't miss this once a year opportunity to network with other businesses from throughout the state. Last year over 1,000 were in attendance with over 120 display tables featuring local businesses. Join us and enjoy the delicious food provided by Russell Morin Fine Catering while you make business connections that will last. Don’t forget to reserve a display table and take advantage of another great opportunity to show the unique products/services you have to offer. Table space is limited so contact your local chamber of commerce to reserve now!

8

www.StatewideBAH.com

RISBJ | rhode island small business journal


Mind Your Own Brand | Startups

daddy, what do ? k r o w t a you do by Dave Lubelczyk

One morning at breakfast my four-year-old

I have since changed how I describe my

asked me what I do all day at work. As I

business and so should you. When you

started to give my thirty-second elevator

discuss your business, do not use industry

pitch I use at networking events, I soon

jargon, fancy marketing phrases or well-

realized he didn’t care how “I build stronger

crafted elevator pitches. Talk to the prospect

brands and improve organizational

in terms of their business and their issues.

dynamics” nor did he seem interested in how

Which means you must ask them about their

“I help companies succeed.”

business and listen to their issues before you ramble on about your business.

So I told him that “I make companies better.” And he asked, “Are they sick?” “Well kind of,” I answered, struggling to bring my complex methodology of creating extraordinary experiences and advocacy building down to a single phrase that would satisfy my son. Finally I said, “I make stores, restaurants and banks into fun places to shop and work.” Satisfied with the answer, he shifted the discussion to something

we often describe our businesses in terms of how we understand them, not in terms our audiences will relate to

more important; what we were going to do together that day.

If you are able to talk in terms of their perspective and are able to make a real

As I later pondered this discussion, I realized

connection between their business and

that we often describe our businesses in

your product, soon you will be spending

terms of how we understand them, not

some quality time together building a

in terms our audiences will relate to. My

solid relationship.

son understood ‘fun’ was better than ‘not fun’ and he has often been bored in stores, restaurants and banks. By putting things in his terms, he was able to personally relate to that description and see why making them

Dave Lubelczyk Image Identity imageidentity.com

fun would be a good thing. www.risbj.com | volume two issue two

9


SBA | Making a Difference for Small Business

SBA Lending: Making a Difference for Small Business

by Jeanne A. Hulit

For two years in a row the U.S. Small Business Administration has

Over the past year, SBA began streamlining and simplifying many of

helped to put more than $30 billion into the hands of small business

the loan programs to provide more access and opportunity for both

owners across the country. In fiscal year 2012 (October 1, 2011

lenders and small businesses. As part of this effort, SBA encouraged

through September 30, 2012), SBA loan programs posted the second

lenders to use more of their own paperwork and the agency’s

largest dollar volume ever, surpassed only by the dollar volume in

updated processing systems, so that more than 80 percent of its loan

fiscal year 2011, which was heavily boosted by the loan incentives

applications can now be processed online.

under the Small Business Jobs Act of 2010. The pace of SBA loanmaking is a healthy sign for the national economy and the credit

These efforts, among other loan enhancements, have resulted in

markets and is one of the foundations for ensuring the availability of

nearly 1,300 lenders returning to SBA lending, and have opened up

financing to small businesses trying to establish themselves, grow

more points of access to capital for small businesses wherever they

and create new jobs for Americans.

do business. We have the results to prove it.

Here in New England, the SBA backed just under 4,000 loans totaling

504 Loans Dollars Set All-Time Record. By improving the loan making process and by allowing small businesses to refinance their

$930 million in fiscal year 2012.

commercial mortgages for a limited period of time, we saw a record In Rhode Island during the same period, SBA approved 349 loans

year for the Certified Development Company (504) loan program,

totaling $87.4 million.

which helped 9,471 entrepreneurs supporting $15 billion in small

Libations Restaurant

Lounge

S M A L L P L AT E S • B I G F L AVO R • G R E AT VA L U E

Our clients know we’re here for them year-round, not just at year-end.

JAMES J. PRESCOTT PETER L. CHATELLIER DAVID A. FONTAINE JAMES D. WILKINSON DEBRA A. MITCHELL

AT BRAVER, IT’S THE WAY WE DO BUSINESS.

ROBERT J. CIVETTI

155 South Main Street Providence, RI 02903 401 421 2710 www.thebravergroup.com

Libations Restaurant & Lounge at the RADISSON HOTEL PROVIDENCE AIRPORT

2081 Post Road • Warwick, RI 02886 401.598.2121 • www.radisson.com/warwickri

NEWTON

10

RISBJ | rhode island small business journal

BOSTON

TA U N T O N

PROVIDENCE

C O NC O R D


Making a Difference for Small Business | SBA

business lending. 504 loans can be used to purchase or renovate commercial real estate or machinery and equipment. In New England, SBA and its Certified Development Companies loaned 636 small businesses $373 million using the 504 program. The CDCs approved 56 loans to Rhode Island small business that totaled $31.7 million. CAPLines Loan Program Jumps 400 Percent. A revamped CAPLines program, which provides working lines of credit to small businesses

RCC

Brilliant solutions for smart technology

such as manufacturers and government contractors, jumped 400 percent from 108 loans and $118 million in fiscal year 2011, to 532 loans and $410 million in fiscal year 2012. Low-dollar Loans on the Rise. Lenders are making more low-dollar loans using the Advantage loan programs - Community Advantage (CA) and Small Loan Advantage (SLA). Community Advantage

We can be your trusted advisor, helping you make smart decisions when it comes to technology.

enables non-profit mission-based lenders to use SBA’s 7a Loan

Let RCC help you:

Guaranty Program for the first time. These programs encourage

• Avoid the “Break-Fix” technology model

lenders to make low-dollar loans, which are an important tool for small businesses. The Small Loan Advantage ended the fiscal year with 820

• Maximize productivity & reduce downtime

loans for $106 million. Nearly 80 percent of the year’s SLA loans came

• Protect your business against security risks

after SBA simplified the processes on June 1.

here in new england, the sba backed just under 4,000 loans totaling $930 million in fiscal year 2012 SBA’s Growth Capital Program Breaks Record for the Third Consecutive Year. The Small Business Investment Company (SBIC) debenture program provided a record $2.95 billion to small businesses in fiscal year 2012, a 14 percent increase over the previous year and the highest single-year volume in the 54-year history of the program. This good news is due in part to a number of improvements that contributed to an increased number of new SBIC licenses and reduced license processing times.

Jeanne A. Hulit Associate Administrator for Capital Access and Acting SBA New England Regional Administrator

Visit us online at www.RCC-pcSupport.com 40 Nashua Street, Providence, RI 02904 401 272 9262 p 401 351 4002 f

www.risbj.com | volume two issue two

11


12

RISBJ | rhode island small business journal


Spotlight | Startups

www.risbj.com | volume two issue two

13


14

RISBJ | rhode island small business journal


When Passion Meets Execution | Small Business

For Startups…

when passion meets execution Tips From the Trenches

by Elizabeth Pierotti

On several occasions recently, I’ve had the

The goal of concept development is to test

At the same time, there is a subjective

opportunity to share what it means to be

the merits of a new idea as thoroughly as

aspect to this process since no two

an inventor and entrepreneur with middle

possible so that informed decisions can be

individuals will approach it in the same way.

and high school age children. They love

made on what to do next. A series of steps

Consider these three points: •

the product stories, hearing about the

will basically confirm whether the idea is

successes as well as the mis-steps. It’s their

innovative… it works… it can be made…

chance to see in person what happens from

the target consumers like it… and it can

idea to finished product in a more hands-

goals, and limitations. •

involves any secret sauce or rocket science,

in books. They find it unfathomable that a

just focus, organization and research. I

Whatever the product idea, your approach must take into account your

turn into a profitable venture. None of this

on entertaining way than reading about it

You have a unique set of skills, assets,

resources and your goals. •

Your assets and approach converge

product could take more than 10 years of work to reach the marketplace since that

the goal of concept development is to test

represents a longer time span than most of them have been on the planet.

the merits of a new idea as thoroughly as

“It takes as long as it takes” can be financially absorbed by corporations that have the resources for sustained periods

possible so that informed decisions can be

of experimentation. James Dyson’s vacuum

made on what to do next

cleaner, for example, took 15 years and 5000+ prototypes to complete. That’s fine for him but entrepreneurs and start-ups

within the context of your product’s

are working with more limited time and

call this the “Product Plan.” At the end of

money constraints.

this process, there will be one of several

industry, marketplace, and the state of

outcomes:

the economy at any given time.

One way or another, all ideas will go

Your idea is determined to be

through a development process if they’re

commercially viable and you advance

Put these together and it becomes clear

ever to transform into real products. As an

to the next stage.

that there is no single formula, quick answer

Your idea needs some modifications

or common path that applies to every

projects over the years, I’ve learned that a

and you go back to the drawing board

person and all ideas. The good news is

far better use of resources is to focus on

and revise accordingly.

that whatever your resources, if you avoid

Your idea is found not to be viable, and

abdicating your responsibility for doing this

development. Product development is

while this may initially be disappointing,

work and take charge from the outset, you

expensive since it includes services from

you are now free to let it go and move

will not only be following your passion, but

professionals with the technical skills a

on to a better idea.

will have the satisfaction of executing it.

individual entrepreneur having to boot-strap

concept development rather than product

project may need at some point. Concept development costs very little and with some

These are all successful outcomes that cost

effort, this process is within the grasp of

little or nothing and can be completed in a

anyone committed to doing the homework.

relatively short time frame.

Elizabeth Pierotti The Inventing Life www.theinventinglife.com

www.risbj.com | volume two issue two

15


Small Business | How Social Media Has Transformed Public Relations

How Social Media Has Transformed Public Relations by Carolyn Lavin

For professionals in the fast-paced B2B marketplace, social media remains a daunting challenge. How does one make the most of a social media tools such as LinkedIn, Twitter, Facebook plus blogs and more? I often hear: “Why do I need to spend time on social media? I am too busy with emails already!� While a recent Constant Contact presenter shared that 69% of LinkedIn participants are closing business on LinkedIn, the use of social media as a tactical public relations tool may be the key. Generating awareness, reinforcing your brand, and keeping you and your company top-of-mind are vital elements

Ocean State Tour de Cure June 2, 2013 Narragansett High School To learn how to be a part of this event, contact Event Manager, Phoebe Bunker at 617-482-4580 x 3499 or pbunker@diabetes.org

16

RISBJ | rhode island small business journal


How Social Media Has Transformed Public Relations | Small Business

of public relations that can be

businesses, or inviting clients and friends to

will be available to elaborate via a one-on-

accomplished -- easily and efficiently --

a seminar on 401K plans, social media is the

one phone call or face-to-face meeting.

through social media.

hottest way to disseminate your message

Smaller, targeted audience With a carefully cultivated list of connections and friends, your inspired posts and “shares” of useful information go right to the people who matter. While most will not be readyto-buy, all of your connections and friends could influence others. Instead of hoping that your audience members are reading

to your connections, and, hopefully, to the

So the next time you are thinking about what

connections of your connections.

to write or where to jump in or with whom

why do I need to spend time on social media? I am too busy with emails already!”

of your accomplishments in a print or web publication, your news appears directly on

ROI of time and energy

to connect, remember that each when you engage your audience using social media,

their computers/phones/devices. Extended reach and viral capacity Repurposing your news via the social-share

We all know that writing articles is great for

you are enhancing your communications with

business-building. For those less inclined to

clients and customers, fortifying your public

write, create a shorter post or share on your

image, and increasing your exposure to your

favorite social media site. People just don’t

target audiences and beyond.

features of blogs, web sites and social

like to read anymore, so a quick highlight of

media outlets is the secret to making positive

your message written in a fun-to-read way

impressions. Whether you are pontificating

may be your best bet for ROI (return-on-

on laws that impact drugs in the workplace,

investment) of your time and energy. And, of

offering advice about tax credits for small

course, the ultimate call-to-action is that you

Carolyn Lavin President Lavin Marketing Communications

ONE RESOURCE for all your voice & data needs.

Business Telephone & Voicemail Systems Security Cameras & Access Control Structured Cabling Computer Network/Servers

With over 25 years of experience, CTI has successfully become the one technology resource for hundreds of businesses. We are a one-stop one-resource technology provider. This makes your life easier to manage your IT budget and support costs. Experienced professionals that work together for you.

Are you Moving… Expanding… Upgrading? Call today for a free quote. Mention this ad and get 10% off.

401.737.5300 / www.computertelephone.biz

www.risbj.com | volume two issue two

17


The Benefits of Building a Strong Contact Sphere Many people ask about the benefits of a “contact spheres” and how to determine which businesses are in my contact sphere? A contact sphere is a group of business professionals who have a symbiotic relationship. They are in compatible, noncompetitive professions, such as a lawyer, a CPA, a financial planner and a banker. If you put those four people in a room for an hour, they’re going to do business together. Each one is working with clients that have similar needs but require different services. Hence, they’re working that symbiotic relationship. An effective example of a contact sphere is the caterer, the florist, the photographer and the travel agent. I call this the “wedding mafia”! If one gets a referral to a wedding, then they all get a referral to the wedding. These professions, more than most, have truly learned how to work their contact sphere. Here are some other examples of contact spheres: Business services: printers, graphic artists, specialty advertising agents and marketing consultants. Real estate services: residential and commercial agents, escrow companies, title companies and mortgage brokers. Contractors: painters, carpenters, plumbers, landscapers, electricians and interior designers. Health care: chiropractors, physical therapists, acupuncturists and nutritionists. Let’s take a computer sales and service company as an example. That contact sphere may include sales reps for telecommunications hardware firms and photocopier companies. Also, contractors who specialize in installing wiring may fit within this contact sphere to assist in wiring installations. Also, don’t forget the computer trainers, who work with people and their computers on a daily basis, as well

18

RISBJ | rhode island small business journal


Building a Strong Contact Sphere | Small Business

as business coaches and accountants, who may have clients that need to improve their company’s technology. To get the most out of your contact sphere: 1.

Identify as many professions as possible that fit within your company’s contact sphere. Take a look at what professions your industry tends to work with to get an idea of repetitive and reciprocal referrals. Create a list of these professions.

2.

Identify specific individuals who could fit into your contact sphere. Go to various networking groups and consult your business card file and database.

3.

Invite these people to participate in networking groups with you so you can formalize your relationship and have a way to stay in regular contact. Maintaining the relationship is key. A good way to do that is to participate in groups that put you together on a regular basis.

4.

Evaluate the professionals in your contact sphere that you are presently referring. If they are not reciprocating, you may have the wrong profession or the wrong person. Fill the spot with someone who is willing to reciprocate.

An effective example of a contact sphere is the caterer, the florist, the photographer and the travel agent. I call this the “wedding mafia”! If one gets a referral to a wedding, then they all get a referral to the wedding. Although developing a solid contact sphere will greatly increase your business, you must remember that it alone is not enough. Because contact spheres consist of small groups, you’re not likely to gain exposure to a large number of individuals. Hence, work on developing your overall network of contacts at the same time you are developing your contact sphere. Contact spheres are a great way to start building your professional network. Good luck! Called the “father of modern networking” by CNN, Dr. Ivan Misner is a New York Times bestselling author. He is the Founder and Chairman of BNI, the world’s largest business networking organization. Peter George is the BNI Area Director for Rhode Island, helping members have a successful, profitable BNI experience.

www.risbj.com | volume two issue two

19


Small Business | An Educated Consumer Is The Best Consumer

an educated consumer is the best consumer by Miriam J. Calore

Energy deregulation has created competition, savings and confusion. Fixed rates versus index pricing are prime examples of this. Fixed rates may appear appealing, but historically indexed pricing performed superlatively. The recession, lower peak demands, favorable wholesale production and hurricane reports, keep index pricing low and stable. The indexed product is purchased in real time and mirrors the market, thereby offering the least amount of

LocaLPassing.com

LocaLPassing.com The most comprehensive and timely

Death Notice Listing in the greater Providence area

20

RISBJ | rhode island small business journal


An Educated Consumer Is The Best Consumer | Small Business

risk to both the consumer and the supplier.

it does not provide a financial reduction on

In contrast, a fixed rate is a combination of

operating expenses.

rates. Up through 2009, National Grid’s Standard Offer Service (SOS) was fairly stagnant and many fixed rate agreements

cost and margin, collateral premium, usage National Grid in Rhode Island represents

had positive results. (The success of each

cost, and the average price. The quoted

this performance analysis perfectly. Not only

agreement was contingent upon when it was

fixed rate does not include additional

do we battle the LMP’s (locational marginal

entered.) However, in 2010, National Grid

and risk adder, price hold premium, hedge

implemented a variable rate SOS. This had a

the indexed product is purchased in real time and mirrors the market, thereby offering the least amount of risk to both the

truly costly impact on those under fixed rate contracts. In 2013 the variable SOS rates combined with varying monthly meter reads and usage make budget certainty and risk management fallacies. A fixed rate may provide a moment of budget certainty, but with it comes both a risk and cost. In contrast, an index product streamlines the risks taken by both the supplier and the business, thereby securing

consumer and the supplier.

operating expense reductions. Deregulation presents a choice and this information offers you the power to choose wisely.

penalties and fees that can be accrued with

pricing), which are affected by supply and

usage swings or consumption variances. So,

demand and extreme and unpredictable

though a fixed rate may provide an element

New England weather patterns, but we

of risk management and budget certainty,

also battle National Grid’s variable supply

Miriam J. Calore Business Development Manager Glacial Energy

Our Guarantee...

New England Credit Card Systems Merchant Services will provide you with six months of free statement fees if we are not able to save your company money on your existing charge card services.

Call Us Today For Your No-Obligation, Cost Savings Rate Analysis.

Toll Free:

1-877-585-0033 Email: info@newenglandccs.com

www.newenglandccs.com

www.risbj.com | volume two issue two

21


Events | Networking and Workshops

Elders vs Egos

the battle for the ethos of the modern business

Why Past Practices are Essential to Embrace in the New Economy by Jeffrey S. Deckman So much of the traditional conversation surrounding leadership in organizations today is really off base. Like so many other things in our modern society much of the discussion around leadership is very ego based and is focused upon self promotion and/or creating one’s professional brand. In fact, according to Dave Logan, best selling author of Tribal Color Key:

networking

workshops

Leadership, approximately 85% of all leadership books are written from what he calls the Stage 3 leadership perspective. He defines Stage 3 leadership as being one that is ego based and ego driven.

04 04

06 06 06 07

22

For instance, you will see many books on leadership promoting How to Start or Run a Profitable Small Business Monday, March 4th 6:30 PM to 9:00 PM Centerville Seminar Center Networking at Night Monday, March 4th 5:00 PM to 7:00 PM McCoy Stadium with the PawSox Pawtucket, RI Northern RI Chamber Women’s Winter Series Wednesday, March 6th 12:00 PM to 1:00 PM East Bay Chamber Community Room East Bay Chamber of Commerce

the individual who wrote them; promoting an industry tycoon or suggesting one acts as a fighter pilot or even as a ninja when leading others. The latter of which was clearly written by an individual who clearly never studied the ancient Japanese martial art of Ninjutsu. I spent four years studying that discipline and I can tell you he had no clue what he was talking about. But he is selling books. But that is the nature of Stage 3 leaders and leadership models. They are based upon more fluff than substance and designed to get you to buy into to some “fantasy” instead of actually giving you tools that work under fire. And lets face it, real, in the trenches leadership, on a day to day, human to human and incident by incident basis is always

March Speed Networking Event Wednesday, March 6th 11:30 AM to 1:00 PM Kountry Kitchen, Greenville, RI North Central Chamber

a trial by fire. So these folks, while perhaps well intentioned, are

Developing a Business Plan Wednesday, March 6th 6:00 PM to 9:00 PM East Bay Chamber of Commerce

Dave’s research also reveals that 49% of all organizations operate

Business Before Hours Thursday, March 7th 8:00 AM to 9:00 AM Sugar High, Inc. Newport Chamber of Commerce

RISBJ | rhode island small business journal

actually doing you more harm than good and are taking your money in the process.

under a Stage 3 egocentric leadership model. Another 25% of organizations are being run by apathetic leaders and another 2% by “vindictive” leaders. This means that 76% of all organizations operate under leadership models that empower the wants and needs of a few and which


Elders vs Egos | Small Business

enforce authority as opposed to ones that respect, mobilize and maximize the potential of everyone in the organization. This is not good news because the modern era of business demands

infant • toddler • preschool ages 6 weeks to 5 years old

we maximize our human capital resources. Just as machines and repetitive processes generated the most financial capital in the 20th century the human attributes of creativity, communication and collaboration are the dominant drivers of profits in this century. And egos restrict access to these critical resources. Since the world has changed forever so too must our leadership models. To not adapt to the modern conditions will prove disastrous. Because study after study has proven, without a doubt, that people simply do not respond well to egotistical managers. And a company hemorrhages money when leadership is weak and the workforce is non-responsive. The Return of the Elders If you look up “elder” in the dictionary you get several bland and

learning center YOUR TRUSTED CHOICE IN CHILDCARE

technical definitions. But if you ask yourself, or others around you, to define an elder I bet what comes out are words that have a sense of reverence about them. People naturally have positive associations with elders. And even if they don’t know how to describe one perfectly, they know one when they see one.

401 764 0468 www.lollipoplearningcenterllc.com

I submit the reason for this is because the essence of what a true elder is touches upon our souls first, then the mind. And since dictionaries are written by and for brains they do a poor job of describing a word that actually connects to our anthropological tribal DNA. This speaks to the true power of, and the amount of influence, elders have on us, and by extension, our organizations. One of the sources of their power is the fact that elders are not appointed by those in power. They are anointed by their peers. Elders are also not ego driven and therefore, are not viewed as a threat by anyone other than those who are ego driven. Elders are just comfortable being who they are; nothing more or nothing less. Who they are reflects wisdom, authenticity and integrity. How they act expresses inner strength and peace. Their words teach and

QUALIFIED TEACHERS NURSE ON SITE DAILY DCYF CERTIFIED DHS ACCEPTED A CLEAN & SAFE ENVIRONMENT

heal. Their actions build and repair. They are in the tribe but are not controlled by it. They hear and listen to a higher power than typical human consciousness. And they help others to connect, or at least benefit from, that which benefits them. People sense this and trust this. As a result they allow these special people to influence their thinking and to even enhance it. So far removed from any desire for power are elders that many don’t realize they are one. If they do realize it, they don’t allow

[ continued on page 24 ]

NOW ENROLLING CALL TODAY! www.risbj.com | volume two issue two

23


Color Key:

07

08 12 12 12 13 14 19 19 20 21 21 21

24

networking

workshops

Speed Networking Thursday, March 7th 8:00 AM to 9:30 AM MacColl Field YMCA Lincoln, RI Northern RI Chamber Lunch Connections Friday, March 8th 12:00 PM to 1:30 PM Salve Regina University Young Professionals Networking Social Media for Business Simplified Tuesday, March 12th 8:00 – 9:30 North Kingstown Chamber of Commerce EXPO 2013 Tuesday, March 12th 4:00 PM to 7:00 PM Newport Hyatt Regency Hotel & Spa Newport Chamber of Commerce Business After Hours Tuesday, March 12th 5:30 PM to 7:00 PM Tinkers Nest East Bay Chamber of Commerce How to Present to Investors Wednesday, March 13th 5:30 PM to 7:00 PM Betaspring Office Business Plan Competition Workshop Birth Of A Business ... A Step-By-Step Process Of Creating A Successful New Business Thursday, March 14th 6:30 PM to 9:30 PM Centerville Seminar Center

it to affect them, other than to perhaps make them more committed to consistently acting responsibly. They don’t look for followers and as a result they have them. And they are loyal. The Importance of Engaging Elders in the Management Process By now it is clear why elders are so influential in the organization. They hold leadership positions whether management knows it or not. They are trusted and respected; their advice and insights are sought after and are listened to. Often people will ask elders whether or not to trust, or follow, management decrees. This means their influence often times exceeds management’s. While this may unnerve some in management they have nothing to fear as long as they operate with the best interest of the tribe and the culture in mind. It is only if leadership becomes too self centered and

the human attributes of creativity, communication and collaboration are the dominant drivers of profits in this century begins abusing their authority or feeding themselves at the expense

How To Fine Tune Your Business…A Step-ByStep Tune-Up For Your Existing Business Tuesday March 19th 9:00 AM to 12:00 PM Centerville Seminar Center

of the tribe that they might find themselves in a political conflict with

Statewide “Business After Hours” Tuesday, March 19th 4:30 PM to 7:30 PM Rhodes on the Pawtuxet, Cranston, RI

tribe while those in authority will only get that labor which they can

Business After Hours Wednesday, March 20th 5:00 PM to 7:00 PM Crossfit South Kingstown Southern RI Chamber Business After Hours Thursday, March 21st 5:00 PM to 7:00 PM Liberina’s Deli & Gourmet Express, Greenville, RI North Central Chamber Thinking About Being Your Own Boss? Explore Franchise Opportunties Thursday, March 21st 6:30 PM to 8:30 PM Centerville Seminar Center Legislative Reception Thursday, March 21st 4:30 PM to 6:30 PM RI State House Rhode Island Chamber of Commerce Coalition

RISBJ | rhode island small business journal

the elders. If that happens the elders will always win the hearts and minds of the force from people. Since we are in a human capital driven economy this loss of employee engagement will result in losses of productivity, profits and possibly even people. So it is in the best interest of management not only to know identify the elders but to have healthy relationships with them as well. To be effective a modern manager must have the tribe’s trust. This is where the elders can help. They must effectively communicate with the tribe. This is where the elders can help. And they must be able to motivate and mobilize the tribe. And once again, this is where the elders can help. Simply put: Elders mobilize tribes. And it is through tribes that most work gets done. In fact recent research done by the McKinsey Group reveals that 67% of all work done in an organization is done through informal networks (tribes) that operate outside of the org chart.


Elders vs Egos | Small Business

Since profitability is tied to accessing, mobilizing and leveraging the human capital of their tribes it is crucial that you find a way to include the input and insights of elders. When you combine this additional leadership resource with a healthy management team you significantly increase your ability to maximize your profits. An Ethos that promotes Elders over Egos is a formula that simply cannot fail. The following are traits of Tribal Elders. 1.

They are humble.

2.

They seem to lack ego because they are comfortable with who

3.

They have opinions but never push them on others.

4.

They don’t care about titles or prestige but they don’t exhibit false

and what they are.

or unnecessary modesty either. 5.

They are committed to principles but are detached from

6.

They live the “Serenity Prayer.”

7.

You trust them, unless you are a trouble maker. Then they

8.

They don’t insist upon being heard yet are willing to speak if you

outcomes.

unnerve you. are willing to listen. 9.

They support growth.

10. They don’t sweat the small stuff. But they seem to see “everything” and understand most things. 11. They are kind. But don’t mistake their kindness for weakness. Few are stronger in spirit or character. 12. They listen more than they speak and understand more than they show. 13. They are committed to creating the next generation of elders but do not seek followers. 14. They have strong, steady moral compasses that are not affected by the “group consciousness.” 15. They are, at all times, students, teachers and learners about life. 16. They believe in a power greater than themselves. 17. They are wise enough to be forceful and powerful when it is in the best interest of the greater good. 18. If they had a motto it might read something like: I am what I am and I will be that with as much honor and grace as I can muster. If your organization has the benefit of having one or more elders in it then consider yourself fortunate. If you are one, you probably don’t identify yourself as one but others do. So thank you for your service.

Jeffrey Deckman Capability Accelerators www.capabilityaccelerators.com

www.risbj.com | volume two issue two

25


Color Key:

25 26 26 26 26 27 27 28 29

networking

workshops

Six Steps to Small Business Success Pricing for Profits Monday, March 25th 6:30 PM to 8:30 PM Centerville Seminar Center 1-To-1 Communication: How To Communicate With Different People, Differently Tuesday, March 26th 6:30 PM to 8:30 PM Centerville Seminar Center Pinterest for Fun and Profit Tuesday, March 26th 6:00 PM to 7:00 PM East Bay Chamber of Commerce Business After Hours Tuesday, March 26th 5:30 PM to 7:30 PM Law offices of Laura Krohn East Greenwich Chamber of Commerce

Navigating Your Communication Skills

Branding: It’s Not Just for Cowboys Tuesday, March, 26th 6:30 PM to 8:30 PM Centerville Seminar Center Business After Hours Wednesday, March 27th 5:30 PM to 7:30 PM Biomes Marine Biology Center North Kingstown Chamber Business During Hours Wednesday, March 27th 12:00 PM to 1:30 PM 1149 Bar & Grill, Seekonk, MA East Providence Chamber How to Minimize Liability for Intellectual Property Infringement Thursday, March 28th 12:00 PM to 1:30 PM Centerville Seminar Center LEADS Luncheon Friday, March 29th 12:00 PM to 1:30 PM Kent Hospital Central RI Chamber

by Donna Mac

Navigating your communication skills is like navigating your business. While you must be strategic in your planning, you also must be nimble. That means, ready to adjust your sails, sometimes in a moment’s notice. This is especially true when you experience a drastic shift in conditions. How best to be both strategic and nimble? Basic communication skills are always imperative. Combine those with the intuitive skills of understanding the mindset of the people you’re speaking with as well as the energy surrounding your conversation, and you’ve got the recipe for healthy, productive communication. When preparing to communicate with a new group or individual, the following is a quick checklist to consider first. It will help to ensure that how you plan to move forward is well thought-out, AND you’re feeling well enough about your potential interaction that you’ll be able to confidently and swiftly readjust when the time arises. Guaranteed it will! 1. Do your homework. That work not only means you must know your subject matter, but it’s also always best to literally take time to

be sure to visit isupportsmallbusiness.com to view all updated and current events and workshops for this month

rehearse. Ask anyone who’s ever been interviewed the importance of this step. Even though they’re experts and very knowledgeable, it’s always beneficial to “speak before you speak”. Rehearsing will ensure

26

RISBJ | rhode island small business journal


Navigating Your Communication Skills | Small Business

that you don’t stumble on your words, AND it will help “put you at the

we all, every one of us, have strengths and vulnerabilities. Work to find

scene” prior to actually arriving. I’m not suggesting you memorize

common ground. It’s there to be found.

every word. But rehearsing will help you deliver a clear message AND help you get back on track quickly when your conversation or

We all need to plan and focus when we communicate with someone,

presentation gets off course.

especially for the first time. That helps expedite everyone’s time as we work to build relationships for ourselves and our companies. But if

2. Know your Goals. Are you trying to sell something, build a

that’s all we do, we haven’t brought forth the most important factor in

relationship or just educate your audience? Knowing this will help

the communication equation: Relatability!

you “build a story” that’s compelling and succinct. It will also enable you to anticipate what kind of questions your audience might have when the time comes for you to deliver. If you understand your goals, you’ll be better able to “start at the end” which is what any great communicator does. So before an important conversation or presentation, always ask yourself, “what are the important takeaways from this upcoming interaction?” In fact, that’s a good way to begin! Once you know your goals, share them in a relaxed and confident style with your audience.

If you’re speaking before a crowd and sensing that you’re losing your audience, the best course of action is to pause and ask out loud the all-important question, “How am I doing?” or “Am I speaking too fast?”

3. Know yourself. It’s a

Being nimble means being yourself and not someone who sounds scripted and controlled. It’s someone who can deviate from the core conversation, speak from their head and heart and then make sure their points have been well made and well received. If you’re speaking before a crowd and sensing that you’re losing your audience, the best course of action is to pause and ask out loud the all-important question, “How am I doing?” or “Am I speaking too fast?” If you think the energy of your audience is decreasing, don’t automatically assume it’s because of something you said. We’re all doing our best to stay present to

fact that people pay more attention to non-verbal communication than

the countless details of our lives and businesses. You just might need

they do verbal. So make sure you head into meetings well groomed

to interject “something different” like an off-beat story or something to

and with consistently healthy energy (good posture, great eye

make them laugh. Adding those elements every few minutes will supply

contact) so you don’t have to spend any time concerning yourself with

energy to content that’s monotonous, dry or just new.

those things later. If you know you’re the type of person who might tense up while speaking, just be cognizant of that fact and check in

As the great communicator and playwright George Bernard Shaw

with yourself from time to time without losing focus of your audience.

once said, “The single biggest problem with communication is the

Breathing and slowing down just a bit always helps communication

illusion that it has taken place”. So if you’re wondering, ask!

flow better. That’s a tool you can tap into without anyone in the room taking notice.

There are plenty of business people who can state the facts, deliver analytics and attempt to drive their listeners to action. But it’s the

4. Know Your Audience. Get as much insight into who you’ll be

speakers who shares their knowledge while simultaneously and

communicating with prior to your meeting. Once you find out, you’ll

nimbly putting themselves in their listeners’ shoes who stand out from

be much better able to plan how your upcoming interaction can be

the crowd and are appreciated, respected and remembered fondly.

utilized for everyone’s benefit. What matters to a group of doctors is certainly different than what matters to a roomful of gourmet chefs.

Why not be one of them?

But the important thing is that you’ve taken time to figure out what matters to them! They will intuitively know it and feel it, and THAT is the foundation toward excellent communication with anyone. If you’re

Donna Mac Owner DMacVoice & Media

speaking with someone you consider of great importance, remember www.risbj.com | volume two issue two

27


IRS | Ways for Rhode Island Taxpayers to Get Tax Help

Ways for Rhode Island Taxpayers to Get Tax Help by Peggy Riley

Boston…The Internal Revenue Service has opened the 2013 filing

This year, the redesigned website makes it easier than ever for

season by announcing a variety of enhanced products and

taxpayers to get to key forms and vital information. The front page

services to help taxpayers prepare and file their tax returns by the

also has links to redesigned pages to help with everything from

April 15 deadline.

refunds to specific tax issues as well as easy access to taxpayerfriendly videos on the IRS YouTube channel.

“This year, taxpayers have until Monday, April 15, to file their 2012 tax returns and pay any tax due. The IRS expects to receive more than

Through IRS.gov, taxpayers can access Free File, which provides

147 million individual tax returns nationwide this year

options for free brand-name tax software or online Fillable Forms plus

including 513,000 from Rhode Island taxpayers,” said Peggy Riley,

free electronic filing. Everyone can use Free File to prepare a federal

IRS Spokesperson.

tax return. Taxpayers who make $57,000 or less can choose from about 15 commercial software providers. There’s no income limit for

The IRS began accepting and processing most individual tax

Free File Fillable Forms, the electronic version of IRS paper forms.

returns January 30, 2013 after updating forms and completing programming and testing of its processing systems to reflect the

People making $51,000 or less usually qualify for the Volunteer

American Taxpayer Relief Act (ATRA) that Congress enacted on

Income Tax Assistance program for free tax preparation and

Jan. 2. The vast majority of taxpayers can file now, but the IRS is

electronic filing. Tax Counseling for the Elderly, a similar community-

continuing to update its systems for some tax filers. The IRS will

based volunteer program, offers free tax help with priority assistance

begin accepting tax returns from people claiming education credits

to people age 60 and older, specializing in questions about pensions

in mid-February while taxpayers claiming depreciation deductions,

and retirement issues. Information on these programs can be found at

energy credits and many business credits will be able to file in late

IRS.gov.

February or early March. A full list of the affected forms is available on IRS.gov.

For tax law questions or account inquiries, taxpayers can also call the IRS toll-free number 800-829-1040 (7 a.m. to 7 p.m. local time) or visit

Last year for the first time, 80 percent of all individual returns including

a taxpayer assistance center. Taxpayers should check IRS.gov for the

432,000 from Rhode Island were filed electronically. E-file, when

hours and services offered at the location they intend to visit.

combined with direct deposit, is the fastest way to get a refund. Check for a Refund Assistance Options

Even with the Jan. 30 opening of the tax season, the IRS expects to

The best way for taxpayers to get answers to their questions is by

issue refunds within the usual timeframes. Last year, the IRS issued

visiting IRS.gov. Last year, the website received a record 340 million

more than nine out of 10 refunds to taxpayers in less than 21 days,

visits, a 17 percent increase over 2011.

and it expects the same results in 2013.

28

RISBJ | rhode island small business journal


Ways for Rhode Island Taxpayers to Get Tax Help | IRS

After taxpayers file a return, they can track the status of the refund

Identity Theft

with the “Where’s My Refund?” tool available on the IRS.gov website.

Stopping identity theft and refund fraud is a top priority for the IRS,

New this year, instead of an estimated date, “Where’s My Refund?”

and the agency’s work on identity theft and refund fraud continues to

will give people an actual personalized refund date after the IRS

grow. For the 2013 filing season, the IRS has expanded these efforts

processes the tax return and approves the refund.

to better protect taxpayers, help victims and detect refund fraud before it occurs.

Here are some tips for using “Where’s My Refund?” •

Initial information will generally be available within 24 hours after

The effort includes stronger screening filters for incoming tax

the IRS receives the taxpayer’s e-filed return or four weeks after

returns, increased IRS Criminal Investigation activity and expanded

mailing a paper return.

partnerships with local law-enforcement officials and financial

The system updates every 24 hours, usually overnight. There’s no

institutions. More information is available in IRS Fact Sheet 2013-2.

need to check more than once a day. •

“Where’s My Refund?” provides the most accurate and complete

By late 2012, the IRS assigned more than 3,000 IRS employees —

information that the IRS has about the refund, so there is no need

more than double the number from 2011 — to work on identity theft-

to call the IRS unless the web tool says to do so.

related issues. IRS employees are working to prevent refund fraud,

To use the “Where’s My Refund?” tool, taxpayers need to have

investigate identity theft-related crimes and help taxpayers who have

a copy of their tax return for reference. Taxpayers will need their

been victimized by identity thieves. In addition, the IRS has trained

Social Security Number, filing status and the exact dollar amount

35,000 employees who work with taxpayers to recognize identity theft

of the refund they are expecting.

indicators and help people victimized by identity theft.

Taxpayers should remember that while most tax refunds are

The IRS continues to increase its efforts against refund fraud, which

issued within 21 days, some tax returns need additional time to be

includes identity theft. During 2012, the IRS protected $20 billion of

reviewed. As part of that effort, the IRS has put in place stronger

fraudulent refunds, including those related to identity theft, compared

security filters this filing season to protect against refund fraud and

with $14 billion in 2011. For more information, see the special identity

identity theft.

theft section on IRS.gov.

out of the box thinking lending

Capital for all the right reasons THE BUSINESS DEVELOPMENT COMPANY www.bdcri.com

401 351 3036

www.risbj.com | volume two issue two

29


Small Business | Run Your Business Like An Entrepreneur

Run Your Business Like An Entrepreneur by Bob Manasier

Here is a good list to start any discussion when discussing business startup, growth or change: Don’t get bogged down in detailed, large overriding business planning. Start with an outline of what you want to do, how you want to do it & what you will need. Here is a main reason for a team approach within your organization or with the assistance of outside resources, especially with the marketing side of knowing who your target is and the financial side of getting what you need, not always what you want. Be Honest. Know what you want to do, what you love to do, what you do best and what you have little or no skill/interest/passion for. This point is key as we later decide how to fill the holes in your business swing (as a side warning: this is a baseball reference-you may run into a number of them throughout this series-can’t help being a coach). Capital or access to it is key. Be aware of costs, needed expertise and what you have to work with. Here is a reason for a good fiscally conservative money manager on your team. Any talent can be bought or found if you have a clear and direct plan of attack that has some funding available in a transparent model of capital use. Quick actionable steps to get real time results to test your ideas & fine tune as needed also limits capital outlay. Know or learn who your target market is. What value do you bring to this market; how to talk directly to them in their voice not jargon, sales or biz speak and how to engage them are some key takeaways . Relevance and honest dialogue create loyalty. (We spend a lot of time with our clients refining the messaging and outreach to make it a unique experience for their targets.) Don’t be afraid to “field a free agent” team. No one or very few can do it all in business nor have the internal resources to

As a company and advisor that focuses on the positives first, we need

properly “field” a complete solution. Here is where vendors, affiliates,

to look at entrepreneurs and how they start businesses so that we

consultants and other companies can complete your roster.

can all jump start the economy. Fear and paralysis naturally settle in

This can be a hazardous journey to find the right fit(s) but well worth

with the economy not picking up and no tangible signs of improving

the discovery in new ideas, methods and connections. Hire slow

in the near future. Now, fear as an entrepreneur or business owner is

and fire fast.

a good survival reaction in moderate doses but paralysis is never a good reaction since it only leads to failure. Companies need to keep

To sum up: Business is a MARATHON made of SPRINTS.

learning, exploring and reaching out both internally and externally

Business is a marathon to a defined end point set by you ( be it:

to stay relevant and engaged in their clients/customers/staff’s lives

retirement, buyout, ipo, whatever you delineate as the goal of the

and financial dealings. So, let us examine some methods in the

company). This business marathon must be structured as a series

entrepreneur’s playbook to benefit all our business efforts.

of sprints (short, actionable programs with a defined and measured

30

RISBJ | rhode island small business journal


Run Your Business Like An Entrepreneur | Small Business

result-which is the accelerator model of business start up) to keep the energy, focus up and the possible costs down. We will explore the sprint test method in more detail later in this series. Whatever your business need (examples: hiring, new marketing, business development, increased sales activity), structure a 2-4 week plan to accomplish some measurable activity (be it: new candidates, more sales outreach, more networking-we will discuss this in depth in a later article); designate a lead on the activity and get it done. From this exercise, define the good, the bad and the waste of time and structure a calendar of business sprint exercises for all your activities. Try to make it fun, add prizes if needed and create a self-refining, dialoguecreating environment for your team(s).

this business marathon must be structured as a series of sprints (short, actionable programs with a defined and measured result-which is the accelerator model of business start up) to keep the energy, focus up and the possible costs down Having spent my life starting companies and consulting companies, it is a good time to explore the local scene for business and entrepreneurs. We will focus in this series on actionable steps and real world examples of ongoing consults and market builds to guarantee we give real time direction and ‘no-box’ ways to look at a problem that might be plaguing your company and your sleepless nights. Our goal here and in our suite of firms is to start or grow companies with conservative fiscal planning, to make a more sustainable job environment, to be more active in our communities and to balance work/play/life (if there is such a thing). We like to see all of our efforts as a mosaic, no defined walls in an entrepreneur’s thinking. We will be visiting some of our clients as well as start ups throughout this series (names will be withheld to protect the ‘errors’ which will always happen). If you have questions or comments-email me at robertm@infocusbrands.com. Enjoy the month.

Bob Manasier Founder and Managing Partner Diamond Point Advisory Group

www.risbj.com | volume two issue two

31


32

RISBJ | rhode island small business journal


New Jobs and New Beaches at the Quonset | Small Business

Overcoming a Regulatory Challenge Creates New Jobs & New Beaches at the Quonset Business Park by Steven J. King, PE

There are times, when it is best to look at

QDC. The master plan is then

the greater public good. The ‘beaches’

what may appear to be an obstacle, and see

updated every five years in accordance with

portion of the plan itself was as Rhode Island

instead opportunity. That is the approach

CRMC requirements.

as they come – a true Ocean State solution. What better way to please all of the parties

we took in assisting waterfront tenants at Quonset to comply with state Coastal

Under the plan, Quonset tenants would not

involved than to create a series of beaches,

Resources Management Council (“CRMC”)

have to create their own individual shoreline

all with breathtaking views of Narragansett

guidelines regarding public access to

access plans. Instead, the QDC itself came

Bay. And that is just what we have done.

Narragansett Bay. In Rhode Island, the CRMC requires that businesses located on waterfront property on Narragansett Bay provide public access

we are committed to working with tenant companies to overcome obstacles, and achieve success

points to the water for public use. That meant tenants of Quonset Business Park located

up with an expansive proposal that includes

The QDC manages three beaches within

along the waterfront -- including those in the

numerous avenues for public access within

the Business Park, providing maintenance,

defense and automobile industries -- are

the Park. Among them is more than 180

seasonal bathroom facilities, picnic tables,

required to provide access to the water.

acres of conservation space, a 2.3 mile

and garbage cans.

We recognized this as a hurdle to these

plaza, five historical and cultural venues

By conceiving of this plan and maintaining

businesses – a challenge we were

(including the Seabee Memorial Park,

these beaches, we have relieved each

determined to help them clear. It presented

Quonset Air Museum, and the Allen

waterfront tenant the responsibility of

an opportunity for us to find a way to make

Madison House), access to the airport

providing their own public access points. It

it easier for them to do business, which

and QDC offices, and most relevant to

is a solution that makes sense for all sides.

has long been our guiding mission. And

this discussion - the creation of four new

For Rhode Islanders, we have created yet

so in 2005, the QDC came up with a

beaches at the Business Park. The CRMC

more areas where they can embrace the

public access plan in cooperation with the

agreed with our vision.

bike path, the creation of a large-scale retail

breathtaking beauty of our state. The beaches within the business park

CRMC that would help meet those state We believe that the result of that plan today

now include:

Business Park tenants from the hardship of

serves as a good example of how creativity

having to each create their own individual

and flexibility can warm the climate for

beach with sand dunes to the south

public access points on land leased from the

economic development, and can also serve

and a densely

requirements, but also relieve Quonset

Blue Beach, which includes a small [ continued on page 34 ]

www.risbj.com | volume two issue two

33


Small Business | New Jobs and New Beaches at the Quonset

wooded fringe to the north and east. It

In time, we expect to add Calf Pasture Point Beach, which has been managed by the

tenant companies to overcome obstacles,

located next to a former salvage yard

Town of North Kingstown since 2001. It is a

and achieve success. Through open

and solid waste dump that has been

natural habitat that is home to many species

communication, careful planning, and

restored by cleanup efforts. It features

of wildlife, sea-life, and waterfowl. Adjacent

committed investment to our infrastructure,

scenic views down the West Passage.

to the Mount View neighborhood, it sits along

Quonset Business Park has been able to

It has a beautiful 1,000-foot stone-dust

the Quonset Bike Path and features views

make a significant contribution to helping our

walking path which leads from the new

from East Providence to Warwick Neck to

state’s economy to grow.

Compass Rose Beach is a small sandy strip located off Roger Williams Way. While presently owned by the state Department of Transportation, as part of airport property, it is leased by the Rhode Island Airport Corporation and

Simply, we are committed to working with

is connected to a residential area and the Kiefer Wetland to the west. It is

parking area to the beach. •

a key element of our recent progress here.

Patience Island to Jamestown.

the result of that plan today serves as a good example of how creativity and flexibility can warm the climate for economic development

managed by the QDC. It too, looks

Jamestown and the sea.

But at the same time, it is a place that

down the West Passage.

Quonset Business Park continues to be an

recognizes and shares the true beauty

Spink’s Neck Beach is a narrow, sandy

engine of economic development and job

of the ocean front. And it is a place that

strip located off Patrol Road not far

growth for our state. Nowhere are jobs being

encourages you to do the same, and stop

from the North Kingstown Marina. The

created at a faster pace, and

by for a visit.

Little Allen Harbor area is an active

nowhere are businesses expanding with

working waterfront with several marine

greater consistency.

related businesses. The beach area features views of Narragansett Bay from

Steven J. King, PE Managing Director Quonset Development Corp

This story of the three beaches reinforces

Bishop Hendricken High School Catholic Values Fostering a Tradition of Excellence

Bishop Hendricken has a rich tradition of Catholic education, attracting gifted scholars, artists and athletes who become men of character and compassion.

Visit us to learn more!

Call 401.739.3450, ext. 162 for more information or to register. www.hendricken.com 34

RISBJ | rhode island small business journal

OPEN HOUSE Sunday, March 10, 2013 noon – 3:00 pm

Visit us on

ENTRANCE EXAM

For 9th & 10th grade applicants

Saturday, March 23, 2013 8:15 am – 12:15 pm

www.hendricken.com


www.risbj.com | volume two issue two

35


Small Business |

Reaching Out Through the Airwaves by Patricia Raskin

In addition, video streaming is now available

In today’s many options for consumers it’s

the internet, consumers have the instant

important to find ways customized and

resources to be very informed and many are.

on some internet radio networks where you

unique ways to market yourself. Hosting your

However, they might not be getting the right

can videotape your interview and upload it to

own radio talk show can offer you just that.

information and what they are getting may

air on the internet station.

Costs for programs on range depending on

not meet their needs. Work with an

the market and typically include production, air time and show promos.

Network With Your Peers

Executive Producer or Coach

Having your own program provides a

Having a radio program is a time consuming

BENEFITS:

great networking tool for you. Through the

project. A producer can help you to deliver

Promote Yourself

program, you develop contacts with leaders

a solid professional show. Good producers

There are major benefits to having your own

in the field and learn about their perspective.

are excited about your program and share

radio/internet talk show. You control the

It also keeps you informed of new ways

your beliefs. They have the skills to help

content and topics on your own program.

to offer your product or service. You gain

you set up the framework of your program,

The audience hears your perspective,

another point of view which adds to your own

create scripts and promos, give you guest

knowledge base, the way you handle

knowledge base.

leads, schedule guests, offering marketing suggestions and critique your interviewing

questions as well as your passion for your business. Remember that your listeners

Choose the right option:

style. Coaches are another option to coach

and their network of friends are potential

Radio

you on style and techniques.

customers and clients. This is more than

Local talk stations may have some

surface marketing. It gives your audience

opportunities to host a one hour programs.

Featured Guest Option

the opportunity to really get to know you.

With online streaming now mainstream, your

This is another option for those who want

program has both a regional and global

get their message across without the time

Market Your Business

reach. On terrestrial (broadcast) radio,

and effort required to host a show. You can

There are several marketing advantages to

station clocks need to be adhered to and

work with a host to be a guest on weekly, bi-

hosting your own radio show. The first is that

commercials are included which decrease

monthly or monthly basis and plan the topics

you produce a tangible product, which is the

your actual air time.

you want to cover. The host becomes your advocate and works to help you deliver

podcast. The second is that you can post the the announcements on facebook, twitter

Internet

your message effectively while trying to

and in your on-line marketing pieces. And

Internet audio programs have a global reach

attract listener interest and meet listener needs.

third, you can create your own UTube page,

and opportunities are plentiful. Interviews are

post the picture of the guest or topic and the

done by phone and in many cases from your

interview. In addition, you can create a short

office directly onto the air. On internet radio,

Having your own talk show or being a

video explaining your work and post it on

you own and control the entire hour and can

featured guest on a radio show can be

your Utube channel as an introduction to the

place commercials and interviews where you

exciting rewarding and fun but it requires

interviews.

want them to be.

time and the right resources.

Educate Your Customers/Clients Having your own show gives you the

Patricia Raskin Raskin Resources Productions www.patriciaraskin.com

opportunity to educate your listeners with accurate information from your expertise and experience. With social media and

36

RISBJ | rhode island small business journal

Patricia Raskin, President of Raskin Resources Productions, Inc., is a radio talk show host, award-winning producer, media coach and speaker. She is the host of “Positive Business” on AM790 on Fridays from 3-5PM, “Patricia Raskin Positive Living” on WPRO -630AM & 99.7FM on Saturdays from 3-5PM and “The Patricia Raskin Show” on WSAR – 1480AM on Fridays from 10-noon. www.patriciaraskin.com


Show the World What Your Customers Think of You | Small Business

Show the World

What Your Customers Think of You

Build a Word Cloud

1

Describe your business in one word. What did you say? If you were

Once you complete your word cloud, study it. Is the image consistent

to ask your customers what would they say? Find out. See if you

with the way you would portray your business? If so, congratulations!

agree. It is very easy to do. Simply ask every one of your customers

You have very good insight. If not, study the cloud and either change

to describe your business in one word as you are completing a

your image of your business or make modifications to the way you

transaction and write it down. If you have a store, shop or other fixed

do business and try the word cloud exercise again in a few months.

location you could have business card size slips of paper at the

If you like your word cloud make it into a window decal or a picture

checkout stand. If your business relies mostly on sevice calls you

which you can frame and display with pride at your place of business.

could ask your customers for a one word summary of your business

If you don’t have a place of business but instead visit customers at

as you complete your transactions. If you are an internet based

their home or site, attach a copy of the word cloud to your clipboard

business you could ask people to type in a comment at checkout time.

or sample book so that your customers will see it

Once you collect all of the comments make a word cloud, similar to the one shown in the picture above by using the Wordle™ tool. It is free and easy to do2: 1.

Type all of your comments into a file

2.

Access the Wordle.Net (TM) website.

3.

Click on the Create your own hyperlink.

4.

Copy/paste your one word comments from your

and save them on your computer.

computer into the big box on the page.

developing a word cloud can not only provide insight to how customers view you and your business, it can also serve as an eye-catching tool for potential clients

5.

Press the Go button.

6.

To see a different design press the Randomize button.

7.

To print or make a PDF file of your word cloud press Print,

Developing a word cloud can not only provide insight to how

enable your printer (when asked to do so), and then make

customers view you and your business, it can also serve as an eye-

selections in any dialog boxes which you normally may need to

catching tool for potential clients. Prospective clients may become

complete to print.

more interested in purchasing from you after seeing a visually-

8.

To make a .JPG or similar file press the PrtSC key. Paste the file

interesting snapshot of how you value customer feedback and how

into PowerPoint or a similar program. Format and trim. Add in the

much your customers value you.

header and any tag line you would like to feature. Save as a .PPT file in case you want to edit it. Save as a .JPG file too. 9.

To fine tune your word cloud (such as to keep phrases together)

Dr. Ronald G. Shapiro Independent Consultant in Human Factors Learning and Human Resources

simply follow the instructions in the Wordle (TM) tool. www.risbj.com | volume two issue two

37

1Special thanks to Margarita Posada Cossuto for helpful comments on an earlier draft of this article.

by Dr. Ronald G. Shapiro


Small Business | Manufacturing Renaissance Revisited

risbdc

Manufacturing Renaissance Revisited by Douglas Jobling

increases and, more important,

In a recent issue of this magazine (volume

the most-cited example. In the Atlantic

one, number seven), I described some

article, “The Insourcing Boom,” author

becomes standardized and

factors contributing to a manufacturing

Charles Fishman begins by describing

competition arises;

renaissance in the United States. This

General Electric’s famous Appliance Park

process continues apace and a recent

in Louisville, Kentucky. Once the home of

manufacturing shifts to low-wage

article in The Atlantic magazine (December

23,000 jobs (in 1973), by 2011 it had only

countries as cost becomes the major

2012) provide even greater insight to the

1,863 “time-card employees – the people

factor in profitability.

factors contributing to this welcome trend.

who make the appliances.”

For those who missed the original article, I

Yet on February 10, 2012, Appliance Park

world economy are making “Made in the

cited the following factors:

opened a new factory to make low-energy

USA” once again not only politically correct,

water heaters, moving production of

but economically advantageous:

3.

As the product fully matures,

Fishman then explains how changes in the

• •

The U.S. is becoming a source of cheap

these devices from China back to the U.S.

energy

What happened to make such a move

Changes in the foreign currency

economically feasible – even advantageous?

1.

were in 2000, making long-distance shipping much more expensive;

arena are ameliorating an imbalance previously favoring China •

Oil prices are three times what they

Fishman describes the research conducted

2.

The natural-gas boom in the U.S.

More labor-efficient, and thus more

in the 1960’s by Harvard economist

(costing in the U.S. one-quarter of what

productive, manufacturing techniques

Raymond Vernon which described what

it costs in Asia), lowers the costs of

are being applied in the U.S.

energy-intensive factories in the U.S.;

would become the fast-paced trend of outsourcing for the next thirty-plus years:

3.

becoming known as “Insourcing,” the

China’s average wage is five times what it was in 2000, and is expected to

The result of these changes are now 1.

increase at the rate of 18% per year;

Engineers, assembly workers, and marketers work in close collaboration

opposite, of course, of “Outsourcing,”

4.

American unions are working more

the conscious strategy of obtaining

to develop a product and the most

closely with management to improve

manufactured goods from foreign sources,

efficient manufacturing process;

productivity and keep jobs here;

particularly low-wage countries, China being

38

RISBJ | rhode island small business journal

2.

As the market grows, production

5.

U.S. labor productivity continues its


First Impressions | Small Business

historic upward trend, making labor costs an increasingly small portion of the total cost of production, reducing the advantage of lowwage nations. As a result of all these factors, the new GE plant in Louisville began to make a lot of sense. By the time they finished the process, “the material cost went down; the labor required to make it went down; the quality went up; even the energy efficiency went up. GE

first impressions, you never get a second chance.

wasn’t just able to hold the retail sticker to the ‘China price.’ It beat that price by nearly 20 percent.” Outsourcing was

by Kristin Carcieri-MacRae

successfully reversed.

Made in the USA once again not only politically correct, but economically advantageous Perhaps even more important than “Insourcing” is the fact that production

how the office runs. You could be super organized, but if the first person they see when they enter the office is disorganized,

I want this article to make you think about

they will have already formed an opinion

some important issues when it comes to

about the company.

disorganization in your office. Do you find yourself distracted by your For just a few minutes think about how

disorganization? If you do, I guarantee

you feel when you walk into a disorganized

your clients will also. How long has it

office, whether it is yours or somebody you

taken you to find a file, paperwork, or

are doing business with. Does it make you

important information when a client was

feel uncomfortable, stressed, distracted,

in your office? Were you embarrassed

overwhelmed, or anxious? How does it

that they had to sit there and wait while

make you feel if it is your office? Are you

you searched for information and tried

ok with feeling like that?

to remember where it was located? If so, you need to really think about getting

Think about how new clients feel when

organized before you start to lose clients.

they walk into your disorganized office. I

of newly developed products will,

can guarantee they will focus more on

increasingly, never get outsourced in the

the disorganization instead of what you

first place. As fledgling entrepreneurs

things you want to change in 2013. Do you

are saying to them. They will be asking

and small businesses, which always

want to re-organize your physical space

themselves if they should go with another

foster creativity and innovation, bring

to make it more esthetically appealing

(more organized) company. When you think

new products to market, they will figure

to the eye? Do you need to re-structure

disorganized, you think about the company

out ways to take advantage of American

your filing systems? Can you see the top

not returning your calls on time, showing

productivity and efficiency and keep

of your desk? Get the piles off your desk

up late for appointments, forgetting they

those manufacturing jobs right here

and try to keep as little as possible on the

had an appointment with you, misfiling

from the outset.

desk. We already have enough stress in

your information, or even worse, your

the workday, why would you want to add

And these trends will continue for at

Walk into your office and write down all the

information getting mixed in with another

to that stress by being disorganized? Do

client’s information. On a whole, you want

you want to retain your clients and not

least the near-term, contributing to

to know the company you are dealing with

a heightened optimism about U.S.

lose them to the competition because you

is efficient, focused, and productive.

are disorganized? Get the edge on your

manufacturing for the next decade or two. Douglas Jobling Regional Director, Northern Rhode Island Rhode Island Small Business Development Center

competition and get organized! Be sure that the first person a client comes into contact with when they walk into the office is organized. The

Kristin Carcieri-MacRae Owner Organizing In RI, LLC

gatekeeper will be a representation of the www.risbj.com | volume two issue two

39


Small Business | Where Should Your Small Business Be Online in 2013?

where should your small business be online in

2013

monthly unique visitors. 80% of its users are still female. Several types of businesses do extremely well here with visits and purchases. You can now register as a business and have your website verified on Pinterest. Google+ – As of September Google+ hit the 400 million user mark with 100 million members being active. There is a lot of room for growth here. Google Plus just started rolling out communities that members can form. They are similar to the old “forums” around the web. Like-minded people or businesses can form their own community and share within it. The key to being successful on these websites is to remain consistent and to socialize with others there. It is not about just spreading your marketing message day after day (boring!). You really need to go by the 80/20 rule. 80% of the time you share others stuff and 20% your own messages. That is not easy in the beginning when you are first starting out using social media. You are so tempted to share away your own important messages.

by Lisa Buben

So much has changed since I began writing

companies like the Providence Performing

for the RISBJ on social media. Some social

Arts Center have started using “Tweet Seats”

2 Other Major Social Websites to Master:

websites have climbed in rankings and

to promote their events and have people

LinkedIn – LinkedIn is for business and

others made so many changes that people

tweeting from their shows to encourage

you can set up your basic business page

left them in droves. Which social sites should

others to purchase tickets for future shows.

you be on and active in 2013 to promote

there. Great place to be when you are hiring. It’s great for networking and for events.

your business?

Facebook – Facebook reached the 1

These are the 4 basic social websites which

continues to grow users but the amount of

you really need to have some videos to

you should focus on:

posts and posts from pages that can be

promote your products and / or pages.

seen by users has gone sharply down with

Video has become extremely important for

Twitter – Twitter has just passed the 200

the changes there as Facebook is trying to

websites and those that sell online.

million active users mark in December of

find ways to make money off of promoted

2012. There are 500 million users but 200

posts and ads. If you have a Facebook Page

million are currently ACTIVE. 60% of users

you may be familiar with Facebook Edge-

marketing too! You really need to have a

use their mobile phones for Twitter. In the

rank and you may have noticed a big drop of

great combination of online and offline to get

United States alone there are 140 million

users liking your posts because they are not

people into your business to purchase. It will

registered users. Nielsen has just teamed

seeing them.

billion mark for users in October 2012. It

up with a social media company to measure

YouTube – If you have a website or blog

And of course don’t forget your offline

help your business if you have great tracking methods to track your messages. You can

Pinterest – This virtual pin board website

set up special phone numbers or email

people tweet right from their TV’s or their

continues to grow and was the fastest

addresses dedicated to particular messages

hand held devices while watching. Some

growing ever website to reach 10 million US

for tracking purposes. For your online

“split screen” TV viewing for 2013. Many

40

RISBJ | rhode island small business journal


Record Keeping for the Self-Employed | Small Business

business you can set up landing pages for tracking online. If your business is online you need to have Google Analytics set up (it is FREE) as well as Google Webmaster Tools (FREE). There are also Analytics for Bing too. Both are great FREE services to help you track your website visits traffic. You need to know where they are coming from and where your time should be spent online in the future. If you are using several social websites you

Record Keeping for the Self-Employed

may want to have tools like Hootsuite to manage them. For just $6/month you can be get the professional version and have by Darlene Evans

everything you need at your fingertips from your mobile phone or tablet. Another must service is the Buffer so you can space out

Independent Representatives are

your postings on various networks. No one

considered “sole proprietors,” unless

the previous year. Form 1099-MISC is

they choose to have some other form

used to report income you received. The

of business. A sole proprietor is just

IRS also gets a copy of any 1099s. Your

another way of saying “self-employed,”

total business income on Schedule C

you really need to go by the 80/20 rule. 80% of the time you share others stuff and 20% your own messages

“independent contractor,” or “freelancer.”

or February to report total payments for

Line 1 should be greater than or equal to

Income and expenses related to your

the total amount of income reported on

self-employment is reported on your 1040,

your 1099-MISC forms. If you report less

Schedule C tax return.

income on your Schedule C than reported on your 1099s, you will get a computer-

The first step to getting organized is to

generated audit notice from the IRS

keep a separate bank account for the

asking you to explain the discrepancy.

business to keep track of your income and expenses. INCOME

EXPENSES Disbursements: all payments should be made by check, credit or debit card or

Separate your Independent Contractor

electronic funds transfer. In an audit, proof

income from other types of income. Keep

of payment (cancelled check or account

a record of all your business-related

statement) by itself may not be enough

income.

to prove a business expense. Match

morning and forget about it unless you have

Deposits: Identify (1) the source of a

checks payable to cash, and avoid paying

interactions with your customers or spare

likes to see a dozen posts from the same person all at once. (Overkill!) Do it in the

invoices to the proof of payment. Avoid deposit and (2) whether the deposit was

non-business expenses from the business

time to socialize. You will also need the

in the form of checks or cash. Keep

account.

mobile apps for your mobile phone. These

copies of all deposit slips, noting on each

social apps can be a timesaver for you!

slip the source of the deposit. When the

You must keep track of your business-

IRS audits a business, deposits to a bank

related expenses. Try using the same

account that are unaccounted for may be

categories on the Schedule C to

considered self-employment income.

categorize your expenses. You can track

Wishing your business the best in 2013! Lisa Buben Fancy Scrubs www.fancyscrubs.com

your expenses using envelopes to sort As an Independent Contractor, you will

receipts, or using a spreadsheet program,

receive a Form 1099-MISC in January

or using a financial

[ continued on page 43 ]

www.risbj.com | volume two issue two

41


Small Business | 3 Tips for Staying Focused in a Sea of Distraction

3 Tips for Staying Focused in a Sea of Distraction by Adam Harvey

Add to that the fact that distractions actually feel good, and we’re up against it big time. Our brain’s reward center lights up when we multitask because we love doing many things at once. Focusing on one task is hard! And, as it turns out, as with many things in life, stuff that feels good and comes easily is actually not so great. What are we supposed to do, then? Create chunks of distraction-free time throughout the day Maybe the goal shouldn’t be to constantly be in “the zone” all day long. It’s impossible to be so focused on what you’re doing that the

As a busy business owner, you’ve got a

How your brain responds to distractions.

world drops away and you become one with your project for an entire day.

tremendous amount of stuff going on at any

Distractions are a sign that something in

given moment. I get you. I feel your pain

your environment has changed. Maybe it’s

because I know what it’s like to have an

a flashing light on your computer monitor

However, you can create chunks of

endless stream of employees, clients,

or your phone is making noise. Whatever it

distraction-free time throughout the day, and

emails, phone calls, Instant Messages,

is, a distraction is an alert to your brain that

it can make a huge difference in

Twitter updates, Facebook statuses, etc.

says, “Hey! Look over here! You gotta check

your productivity.

barraging you while you’re trying to get

this out!” Our brain’s reaction to distraction is

some work done.

almost impossible to stop. It’s automatic.

Here’s how:

It feels like the world is bashing you over the

So, we wind up multitasking. While

head with a brick and it’s nearly impossible

multitasking is sometimes necessary, which

how most of us attack the day, is it? We tend to handle the small stuff first.

Tackle the hard stuff first: This is not

to stay focused amid the noise and endless

makes it an important skill, it’s also got a

chain of disruptions. No amount of coffee in

downside. It makes us a little bit stupid.

We check emails, do a little paperwork,

the world can help you. Believe me, I’ve tried,

When we multitask, we’re not doing any of

whatever that little picky task is that we

but the sad truth is that you have to learn

the tasks particularly well--we forget things,

want to get out of the way, that’s what

how to train your brain to stay focused.

we make mistakes, we miss subtleties.

we do first. Try not doing that. As easy and brainless as they seem, they chip away at our mental energy, leaving us depleted and more open to distraction by the time we get to the stuff that’s hard for us. So save the small tasks for after you’ve worn yourself out on the big stuff. Makes sense, right? It’s a biggie. Give it a whirl. •

Find your sweet spot: Pay attention to when you do your best thinking. Some people focus best first thing in the morning, others on afternoon walks or even in the shower! Ask around and you’ll find that for many people, their strongest focus time is not when they’re at work. Don’t feel guilty about

42

RISBJ | rhode island small business journal


Record Keeping for the Self-Employed Rock Networking | Small Business

software program. The important thing to

whatever your best time is and try to set

remember is you’ll need to keep track of

insurance premiums on your Form 1040

it aside for tackling the big projects on

who you paid, the amount spent, when it

as a personal deduction. For record

your plate.

was paid, and what the expense was for

keeping purposes, be sure to make a

(that is, the category or type of expense). •

can deduct the full cost of your health

it. It’s normal. Instead, pay attention to

ever sat down to read something and

The most relevant categories of expenses

had to read it many times over because

for Independent Contractors include:

while you were reading you were

thinking about something else? There goes your multitasking brain again!

Insurance – for property & casualty, or business insurance. Do not

in many different directions, so just

include health insurance under this category. •

Other interest – credit card or loan interest, such as interest paid on your computer loan.

Legal and professional services – such as fees your accountant will charge

Office expense – anything other than routine supplies.

Rent or lease other business

reporting elsewhere on your tax return.

you can track your expenses using

envelopes to sort

receipts, or using

a spreadsheet

program, or using a financial

property – rent paid on retail or meeting location, for example •

Repairs and maintenance – repairing your computer, for example

Supplies – routine office supplies like

software program

paper, toner, pens, pencils, notepads, etc.

like when you train your body during a workout, you have to train your brain to

Advertising – this includes business cards and web-marketing

You’ve got to train it to stop wandering

when we multitask, we’re not doing any of the tasks particularly wellwe forget things, we make mistakes, we miss subtleties

separate category for health insurance expenses since that figure will be

Practice not multitasking: Have you

maintain strong focus. Try to set aside

Travel – the cost of traveling to a

Equipment. Keep track of computer

convention, meeting, or business trip

equipment, software, furniture and other

Meals and entertainment – the cost

fixed assets in a separate expense

of business meals, but be careful

category. When it comes time to work

one to focus on. Make it a fun one like

not to go overboard here as this is a

on depreciation expenses, you’ll need

reading a book or doing a crossword

common target in an IRS audit.

to know when a particular piece of

time each day to exercise your focus

muscles. Choose one task and only

Utilities –electricity, gas; percentage

equipment was purchased as well as its

ten minutes at a time and work up to

is deducted for home-based

cost and the type of equipment that

longer periods. If your mind wanders

businesses.

was purchased.

puzzle. Start for small chunks of about

off, pull it back. Keep the pressure on

Other expenses – such as Dues &

and eventually, you won’t have to keep

Subscriptions, Web development,

reigning yourself in.

and Business telephone expenses.

Estimated tax payments. Be sure to keep track of estimated tax payments to federal and state governments. This might

Hopefully with these tips, you’ll be on your

Health Insurance expenses. If

not show up clearly if you run an expense

way to Focusville! Now, how many times did

you are self-employed and you pay for

report just for the calendar year, as the

you check your email while you were reading

your own health insurance, then you

final estimated payment is due in January.

this article? Be honest… Adam Harvey GLAD WORKS www.gladworks.com

Darlene Evans Padgett Business Services 401-783-4500 or email devans@smallbizprosri.com

www.risbj.com | volume two issue two

43


Small Business | Forewarned is forearmed

Forewarned is Forearmed: Preparation is Key for Weathering Accountable Care Act Implementation! by Tim Sullivan

The primary goal of Accountable Care Act (ACA) is to expand

Some small businesses may choose to provide health insurance

affordable health insurance coverage to as many people as possible,

even though they are not compelled to do so according to the “employer mandate”. The premiums for these policies are calculated

which will make health care more affordable for all. The major aspects that relate to employers and employees are the requirement

using a different set of rules under the new ACA guidelines. One ACA provision eliminates the use of “Underwriting Factors”

that businesses (with over 50 employees) offer health

(UF) in determining premiums for small groups (2-50

insurance, or pay a “penalty/tax”, and the “individual

employees). Using UF, individual or groups premium

mandate” which similarly requires that

the 27.4% of the

individuals purchase health insurance, or pay a similar “penalty/tax”.

rates were calculated on an actuarial basis that more closely represented their personal health

population with the

As the US department of Health and

highest number of health

Human Services (HHS) releases

risk factors will see their

new policy guidelines related to ACA

risk factors. After elimination of UF, rates are based much larger groups of people without regard for their health risk factors. The resulting relative insurance premium rates are

relative premium rate

implementation of the a clearer picture

ironically skewed towards the unhealthy.

reduced between

of the implications it will have on small business both in the short and long term.

Actuarial scenario analysis anticipates that as

20-30%

relative premiums rise for people in the “lowest risk”

New rules about how insurance premiums are

demographics, many of them will choose to leave the

calculated will mean that some people’s premiums

market in one way or another; the result of these people

will rise and others will fall. The key for small business

leaving those markets will result in a rise in premium rates for the

is to position them to take the best advantage of the new

remaining policy holders is estimated to be between an additional

health insurance landscape.

3-12%, depending on how many “Low risk” people leave the market.

Some businesses will choose to pay the “penalty tax” rather than provide health insurance. If they had previously provided health only lose the equivalent of the employer

continued health insurance coverage. If

options; they do not have to accept higher

population with the

premiums as a necessary evil of providing

lowest levels of health

contribution to their health insurance, but also be compelled to pay the premium for

Fortunately, small business owners have

the 21.6% of the

insurance, their employees would not

health insurance or pay the extra penalty

risks will see their relative

those employees are purchasing health insurance in the individual policy market, it

tax. If the employee group is among the “low risk” demographic, it may be time for the

insurance rates rise

employer to opt for a “self-funded” insurance

between 30-40%

program. A self-funded program is managed by

has been estimated (according to consultants performing an actuarial analysis) that they will see their premiums rise by 32% from 2010-2014. This rate increase will be softened for some due to tax

a private health insurance carrier, but due to the funding arrangement, will cost the company less if fewer services are used over a given period of time. In order to consider this option, the employer needs to analyze

discounts which are available to people with incomes below 400% of

employee wellness in order to determine if their level of wellness is

the poverty level.

sufficient to justify a self-funded plan.

44

RISBJ | rhode island small business journal


Forewarned is forearmed | Small Business

If the small business has chosen to self-fund, or is hoping to self-fund, one of the ways it can hedge its bets is to look into incorporating (or expanding) the employee wellness program. If for no other reason, establishing a current level of wellness is a good idea in any size business. The best way to gain buy-in from the employee population is to tie the wellness program to their health insurance premiums. Here is one example of how an incentive program might look: The average worker contribution to health insurance in 2010 was 28%, if employees maintain an over 90% participation rate in the wellness program accompanied by measurable (independently

leaving those markets will result in a rise in premium

emiliodiv@gmail.com 401-359-2338

4,275,272 | WEICHERT.COM

the result of these people

Total Monthly Visits:

When Selling Your Home, You Want Exposure! Weichert.com Is The #1 Searched Real Estate Site By Home Buyers & Sellers!

3,992,436 | REMAX.COM

would raise that contribution by $33 per month.

3,110,415 | C21.COM

employee is $333 per month, failure to maintain the wellness program

Call Me To See How My Weichert Buyers Program Provides You With Instant Information 24/7 For All RI Listed Properties!

2,115,139 COLDWELLBANKER.COM

Using the 2010 numbers, monthly family (of 4) health premium for the

facebook.com/agentemilio

1,823,865 KW.COM

employee contribution will increase by 10% for the following month.

Cress & Company

Emilio DiSpirito IV, RealtorÂŽ

307,061

the employee population fails to meet these goals, an increase of

ERAONLINE.COM

measured and verified) wellness improvements, the current level of employee contribution to the health insurance will be maintained. If

START YOUR SEARCH HERE

rates for the remaining policy

holders is estimated to be

between an additional 3-12% Knowing the aggregate level of wellness for your staff and their covered spouses can help an organization make informed decisions regarding health insurance and wellness plans. For the small business owner, it is vitally important to determine whether your workforce is in the healthier group or less healthy. The actual design and implementation of the incentives surrounding health insurance / wellness program policy needs to be transparently designed to promote accountability and buyin by all parties concerned. Employers agree to fund their share of health insurance as well as wellness initiatives, and employees agree to abide by the wellness program which will lead to both better employee health and lower long term health insurance rates.

We Buy and Sell Anything Valued Over $1,000 Cars | Bikes | RV’s | Real Estate | Equipment Get It Sold and Get Your Cash Fast!

www.soldin30.co Like Us On Facebook www.facebook.com/ soldin30

Tim Sullivan Life-Panel www.well-track.com

www.risbj.com | volume two issue two

45


F E AT U R E D S T O R Y: For some, running, cycling and swimming are ways to enjoy a warm sunny day. For Vinu Malik, they are a way of life. As a 36 time Ironman triathlete, Malik turned his passion into a thriving business. Malik saw a need to solve the dehydration problems he faced during races and wanted a better way to carry his drinks. The existing products on the market were belts that were uncomfortable and didn’t have any flexibility. Malik came up with a concept of a belt that had comfort in mind, giving it flex and focusing on ergonomics. He started by making it for himself out of necessity. Malik recalls a time when a friend came into his apartment, took one look at the belt and said “Don’t quit your day job.”

46

RISBJ | rhode island small business journal


www.risbj.com | volume two issue two

47


R FEATURED STORY | FuelBelt

REV

With continued determination, Malik started profile triathletes and just months later the

SUPER

winner of the Ironman World Championships came across the finish line with a FuelBelt on. The exposure from the win, along with R2OUTDOOR

the extended media covered helped FuelBelt go from an idea in Malik’s apartment to a

X

SLIDE

off with 50 belts and gave them to high

SPRI

V

REVE

A

recognizable brand overnight. To this day, Malik continues to credit much of his growth to the media, which he maintains very close

S TAY H Y D R AT E D O N T H E R O A D T O relationships K O N Awith. This has resulted in

continued widespread coverage which has helped to build brand awareness. FuelBelt initially sold their products exclusively online but as sales grew, the company built a global distribution channel that now includes over 5,000 stores in 40 countries. From a revenue standpoint, FuelBelt continues to be one of the fastest growing companies in the endurance sports

T H E W O R L D L E A D E R 48 RISBJ | rhode island small business journal

I N

H Y D R A T I O N

I N N O V A T I O N

F AT Y


S TAY H Y D R AT E D O N T H E R O A D T O K O N A

D R AT E D O N T H E R O A D T O K O N A channel and is the only company in the

FuelBelt | FEATURED STORY

with over 200 products, FuelBelt continues

sporting goods category to make the Inc

to expand their product line which includes

5000 list 6 years in a row. “Making the Inc.

reflective gear, race gear, run gear and other

5000 for a sixth year in a row is the result

active lifestyle gear.

of having long-range goals, an exceptional team, and incredible customers. It’s also a

As FuelBelt continues to expand into new

privilege to share this acknowledgement

markets, their Rhode Island roots remain

with such notable alumni as Zappos, Under

strong. Malik chose to start his company in

Armour, and Patagonia…” said Malik.

Rhode Island because the FuelBelt brand is lifestyle based. Rhode Island is unique

As a product that started with very little

in that it provides access to the beaches

real competition, FuelBelt has created

for swimming, bike paths for cycling and

competitors based on their success. There

good roads for running. The other strength

when a friend came into his apartment, took one R2OUTDOOR look at the belt and said “Don’t quit your day job.” are now close to 10 direct competitors

to building the brand in Rhode Island is the

that are creating similar products, however

tight knit community needed to support a

Fuelbelt is the clear industry leader with

startup such as FuelBelt.

S TAY H Y D R AT E D O N T H E R O A D T O K

over 70% of the overall market share. Now

When asked about some of the challenges that Rhode Islander’s often hear about when starting a business, Malik said “There are so many surprising companies here in the state and they work hard to get where they are. It’s hard work from day one and you have to be on top of it every day. No hand outs, no gifts. Nothing is really given to you. No matter where you start your business, you really have to work at it.” As for future growth plans, FuelBelt continues to pursue several opportunities. From further expansion into European markets, to the

T H E

W O R L D

L E A D Eaddition R Iof several N Hnew Y products, D R A FuelBelt T I O N looks to continue revolutionizing the industry.

E A D E R

I N

2012

DEVELOPMENT NEW COLORS

H Y D R A T I O N In the I NU.S. N market, O V FuelBelt A T I isOlooking N to big

I N N O V A T I O N

AT

F U EL B ELT G EA R I S AVA IL A B L E AT Y O U R FAV O R IT E S PE C IA LT Y R E TA I LE R

retailers like Dick’s Sporting Goods and P R O D U C T D E V E L Obox PM ENT

Target as major distribution channels in 2013

NEW GEAR / NEW COLORS

to help further increase company exposure

and revenue. FuelBelt continues to grow and evolve, serving the needs of athletes, from runners to cyclists, to competitive triathletes. FuelBelts have been used to break world records, personal bests, and have even been used at the Olympic world stage, where every effort and every second counts. www.risbj.com | volume two issue two

49


this month’s

business profile While overseas outsourcing has had a perverse effect on the landscape of American business, it has also created jobs in unexpected places. Mutual Cornell, an

Mutual Cornell

analytical chemistry laboratory operating out of Providence, RI, has learned the importance of changing with the times. Founded in 1993 by Kevin Donahue, Mutual Cornell focused on environmental testing before finding its niche testing consumer products manufactured overseas. Items such as jewelry, toys, and household objects must be tested for chemical components considered toxic to people and the environment before they may be sold in California. Testing is legally required by California Proposition 65, formerly known as The Safe Drinking Water and Toxic Enforcement Act of 1986. Intended principally to prevent corporations from contaminating water supplies, it is now considered the gold standard regulating the presence of toxins in items sold to the public. Though its jurisdiction extends only to retails items sold in California, states including Illinois, Maryland, and Minnesota have adopted similar laws. In 2008 Congress passed the Consumer Product Safety Improvement Act (CPSIA), which established

EN71-3 Testing ASTM F 963-08 Testing Phthalates Testing CPSC-CH-E1004-11 Testing Cadmium Extractability from Children’s Metal Jewelry Total Lead and Cadmium Testing

50

RISBJ | rhode island small business journal


Mutual Cornell | Business PROFILE

than 30 employees, many of them family members or longtime business contacts. Donahue underlines that, despite its size, his company has undergone the same rigorous accreditation process as the largest and most prestigious testing laboratories in the world. Certified by both private and government entities, Mutual Cornell has been accredited by both the International Organization for Standardization (ISO/ IEC) and the Consumer Product Safety Commission (CPSC). Mutual Cornell employees are members of the Fashion, Jewelry, and Accessories Trade Association (FJATA) and hold board positions on the Manufacturing Jewelers & Suppliers of America (MJSA) and the newly formed U.S. National Committee of the International Electrotechnical Commission for Quality (USNC/IECQ). “We are proud not only of the work we do, but of the way our business has grown over our twenty year history. In many a national limit of hazardous materials

ways it was organic growth, but we owe

allowed in children’s products. The presence

much of our success to the community we

of toxic materials is of particular concern to

operate in.” With a constant eye to the future,

children; risks include cancer, birth defects,

Mutual Cornell’s plans for 2013 include

and developmental disabilities.

expanding its small parts testing department to incorporate a wider variety of

A family run company, Mutual Cornell

children’s toys.

places a premium on the value of personal interactions. “When I was first starting out as an environmental chemist, many of my contacts were members of the jewelry industry here in Providence” Donahue says of his early days in the business. “Sadly, much of that business has been moved abroad due to outsourcing, but the professional relationships I established remain strong.” Noting the importance of the strong small business network in Rhode Island, Donahue says: “Those relationships led me down a different path; they introduced me to manufactures who needed their goods tested to Proposition 65 standards, which I had heard of, but had no professional involvement with. It turned out to be a natural fit, and it completely changed the direction of my business.” Though it has grown steadily throughout the years, Mutual Cornell still numbers less www.risbj.com | volume two issue two

51


Featured Chamber | Central Chamber

Central Chamber Lauren E.I. Slocum, President/CEO 3288 Post Road, Warwick, RI 401 732 1100 | www.centralrichamber.com

F E AT U R E D

As an organization, the Central Rhode

to build on these successes moving forward

believes wholeheartedly that the Chamber

Island Chamber of Commerce seeks

and revitalize Rhode Island’s economy in the

plays a vital role in keeping our membership

to support and advance the business

process.

informed of legislation and its implications, while also providing “a valuable voice for the

community in Rhode Island. We provide

business community in Rhode Island.”

a myriad of benefits to our membership,

The Central Rhode Island Chamber of

and continually strive to find new ways to

Commerce is a member of the Rhode Island

help our members succeed. The Central

Chamber of Commerce Coalition, which

Our many, diverse events provide our

Rhode Island Chamber is a leader in pro-

speaks with the voice of over 7,100 Rhode

membership with great networking and

business innovation and advocacy. We have

Island businesses. Through the coalition,

business development opportunities.

approximately 1,000 members statewide

we successfully advocated against many

Chamber membership yields greater

in towns including Warwick, West Warwick,

pieces of bad legislation that would have

company visibility within the community,

Coventry, and West Greenwich. Our

adversely affected our members. The

according to Rich Hittinger, Alliance

members’ loyalty is the best yardstick of our

Coalition’s E-Advocacy network allowed

Environmental Group LLC.

performance, and they continue to speak

us to mobilize our members and get them

very highly of our services. The Central Rhode Island Chamber had

involved on the issues that mattered most

Business Assistance: Our business

to the small business community. If you

assistance services are the meat and

helped support of the issues at the State

potatoes of what we do at the Central

numerous successes over the last year,

House through www.RIBUSINESSVOTES.

Chamber. Our staff meets with members

despite the tough economy. Our members

com thank you. If not please visit the site

and potential startups to help them realize

have leveraged the benefits of membership

and click on the “Take Action” tab and

their goals and attain new successes.

with their own ingenuity to realize strong

see how easy it is to get your message

Through our Central Rhode Island Business

results of their own. Together, we will seek

heard. Leah Prata, Chairman of the Board,

Information Center we provide business

52

RISBJ | rhode island small business journal


What’s New | Chamber Chat

East Bay Chamber

consultants who help current and would-

encouragement to businesses and

be small business owners. Joseph Oakes,

individuals nationwide who are looking to

Mark G. DeVine, CPA, Chairman

VR Industries Inc., called the Chamber a

relocate to Rhode Island.

16 Cutler Street, Suite 102, Warren, RI

“wealth of information,” and “a great business

401 245 0750 | eastbaychamberri.org

resource,” that is “very responsive.”

Community Support: Through the participation of our members and staff in

Our mission is to promote businesses

Networking: The Chamber offers numerous

a wide array of local events and initiatives,

as the foundation for community growth

networking opportunities with events such as

the Chamber is an active member of the

and well-being by being the most

Business After Hours and LEADS Luncheons.

community gaining the tangible benefits

reliable resource and leading advocate

of increased community visibility and

for businesses throughout the East Bay

that the Chamber provides is impressive”,

networking opportunities, as well as the

and surrounding areas. We are here to

according to Steven Kitchin, New England

intangibles of being good business citizens

help you succeed!

Institute of Technology. Additionally, Rick

and giving back to the community.

“The number of networking opportunities

Nagele, Fort Adams Trust spoke to the value

Dont miss our Women’s Winter Series

added to his organization by events such as

The Central Rhode Island Chamber provides

Brown bag lunch series!

the Business After Hours, saying “It was a

many important benefits to our membership.

12:00 – 1:00 each Tuesday at the

great experience, which has broadened my

The menu of benefits is extensive. We will

East Bay Chamber Office, 16 Cutler

business contacts throughout the state.”

continue to work to advance Rhode Island’s

St. Warren. Revive, rejuvenate and

business community and we hope to realize

reconnect with your Community and

Save Money: We strive to create as many

many more successes in the coming year

local business owners! 20 minute

ways as possible for our membership to

with the help of our members.

speaker, discussion and networking.

discounted rates on advertising and rental

STATEWIDE BUSINESS AFTER HOURS

Sign up now for next meeting

space, money saving coupons from local

The Central Rhode Island Chamber is proud

$5. Fun surprises each seminar!

businesses and other special promotions.

to participate with the other Rhode Island

Raffles, goodies, networking, fun!

save money. Our current benefits include

Opportunities for Growth: We host various

Chambers of Commerce to offer an exciting

Find details of all meetings at www.

networking opportunity for all employers

meetup.com/WEBOND or go to www.

workshops, seminars, roundtables, and

/ employees in Rhode Island. This 3 hour

eastbaychamberri.org / calendar of

presentations on a broad range of topics.

networking event features over 120 table

events

These events offer our members the chance

top displays from businesses throughout the

to further their knowledge and broaden their

state. Everyone is welcome to attend for $15

opportunities for success.

per person - cash bar. Simply register with

SERVPRO of Newport & Bristol

your Chamber - contact information is listed

Counties

at www.StatewideBAH.com.

HCC Marketing

Communications: The Chamber provides our

New Members

members with a plethora of media through

Jason Thomas Home Renovations

which to increase their communications

Traffic Signs & Safety, Inc

effectiveness. We offer such services

Tire MD

as direct mail and email, press releases

Bristol Auto Body Works, Inc

on member news, and the monthly “ChamberWorks” statewide publication.

BayCoast Bank Savon Shoes

Jeremy Doran, Signs By Tomorrow, and his

Tinker’s Nest

company turned to the Central Rhode Island

Newport County Computers

Chamber for help with their effort to reach out to the community, and he was pleased with how much easier the process was on his business thanks to our facilitation.

Cranston Chamber Stephen C. Boyle, President 150 Midway Road, #178, Cranston, RI

Tourism: We distribute brochures for

401 785 3780I | www.cranstonchamber.com

local businesses to hotels and car rental agencies throughout the area. In addition,

The Cranston Chamber continues

the Chamber provides information and

its fight for affordable healthcare by www.risbj.com | volume two issue two

53


Small Business | Just Because You Can, Doesn’t Mean You Should

Just because you can,

doesn’t mean you should have a Facebook page for your business

by Mari Anne Snow

I know this is a pretty radical statement

measure your results. Facebook is only one

as everyone is feeling the pressure to get

find out the profile of Facebook’s user base

of hundreds of ways you can advance your

today. Remember, Facebook is international.

“digital” these days. Don’t get me wrong,

business online. FB should be one piece of a

I recommend local businesses think hard

I really love digital tools – I’ve built my

larger digital strategy, not the only piece. By

about their goals if they are targeting an

business using them and I believe in their

taking just a bit of time up front to create a

audience close to home. Spend your time

potential. But going digital can be a big time

solid plan that rationalizes your digital goals,

where your target demographic spends their

suck with very little real business return for

you have a much better chance of success

time and be thoughtful about what you say

the trouble if you aren’t careful. So before

with much less frustration long term.

once you find them.

you launch that Facebook page – here are a few things to consider that may save you big

Fish where the fish are. Radio, TV

Learn the etiquette and rules or

headaches down the road.

and print publications have distinct, unique

suffer the consequences. Life online

Have a goal. As with any advertising,

audiences; so does Facebook. Make sure

is very interactive – everyone has opinions

your target demographic actually uses

and they share them liberally. Any business

having defined business goals helps you

Facebook BEFORE you add it to your plan.

person with a bad Yelp review will be happy

budget time and resources better. Another

Since every social platform has a distinct

to tell you all about it. Unlike a newspaper ad

big plus - goals give you more opportunity to

user community, do your homework and

which is pretty static, your online viewers will

54

RISBJ | rhode island small business journal


What’s New | Chamber Chat

tell you EXACTLY what they think (good, bad

time trying to get people to “like” them. A “like”

testifying against the supplemental

and ugly). They will also react quickly when

is only useful to a business if it somehow ties

increase by Blue Cross in health

you make them mad and they will share their

to increased business, brand awareness (that

insurance premiums. The Chamber

anger with lots of people quickly. Online

leads to more business) or positive PR (that

belongs to three health advocacy

etiquette is a key component to building a

leads to more business). “Likes” are not a

groups in the state, HealthRIght, Health

meaningful online presence and also critical

bankable commodity….so design your “like”

Insurance Small Business Task-force

for building engaged users. Facebook also

campaigns with calls to action that lead to

and President Stephen C. Boyle was

has rules that govern business activities on

more money in your bank account.

recently appointed by Health Insurance Commissioner, Chris Koller to the

their platform. If you don’t understand these rules and you break them, FB could exile you

Finally, understand what you “own”

Health Insurance Advisory Council,

with no warning. If you lose FB privileges,

and what you don’t. When you join

that meets on a monthly basis on

you have little recourse. Take a moment to

Facebook, you must agree to their terms of

all Health insurance issues from the

learn about this environment and adjust your

service before you get an account. When

Commissioner’s office. Boyle referred

approach accordingly for the best results.

you do this, you sign over ownership of your

to the rate increase process as ”Health

content to Facebook. Generally, I advise

Insurance Groundhog day” where

Be interesting and actively engage

clients to use Facebook as an “outpost”

double digit rates are approved and the

or don’t bother. Building a page is only

drawing people back to your primary “real

business community must find a ways

the first step, building a community of

estate” – your business website, blog or

to cut benefits, raise deductibles or

caring brand advocates who hang out with

ecommerce site - to do business with you.

pass the cost on to their employees”

you, buy stuff from you and say nice things

That way you can capitalize on Facebook’s

about you is an entirely different kettle of

vast user base to increase traffic to your

New Members

fish. This takes a huge amount of time and

primary business sites.

Code Red Stacey Arruda-Tracy, LICSW

Is it worth the time, effort and expense required to launch and maintain a FB page if no one knows you exist

East Greenwich Stephen Lombardi, Executive Director 580 Main Street | East Greenwich, RI 401 885 0020 | www.eastgreenwichchamber.com

The East Greenwich Chamber of Commerce held its Annual Meeting on January 31st at Quidnessett Country Club. We were very pleased

effort - plus, once you have this network,

A great friend of mine always reminds

with the enthusiastic support of our

then you have to continue taking care of

me – when you are online, if it’s free, you’re

sponsors, exhibitors, and everyone

it. The minute you stop paying attention to

the product. Facebook needs you, me and

who attended. It was a great evening of

them, your community will turn their attention

the rest of their 1 billion users (yes, FB

business networking in a relaxed, social

elsewhere. This takes a lot of time and effort –

currently has around 1 billion active users

atmosphere.

it’s also the step most businesses fail to take.

worldwide) and they are doing everything

When I evaluate existing FB pages for my

they can to sell every one of us the dream

Our guest speaker was Neil Steinberg,

clients, they have very few friends and little

of easy, “free” success. What FB doesn’t tell

President and CEO of the Rhode Island

interaction. Is it worth the time, effort and

you is their business goals don’t include the

Foundation. Neil told us a little bit of the

expense required to launch and maintain

advancement of your business – p.s. that’s

history of the Rhode Island Foundation,

a FB page if no one knows you exist? The

up to you. FB sells potential, you have to do

and its important role in the State of

correct business answer: absolutely not.

all the work. And the better your plan is up

Rhode Island. Neil was instrumental in

front, the more likely you are to achieve it.

putting together last September’s Make It Happen Rhode Island forum at the

You can’t take “likes” to the bank. Don’t forget that the reason you want an engaged community is to build your business. I see clients spend an inordinate amount of

Mari Anne Snow CEO Sophaya

Rhode Island Convention Center. January was very exciting in East

www.risbj.com | volume two issue two

55


Capital City | Providence’s Comeback Story

Providence’s Comeback Story by Mayor Angel Taveras

We are already seeing signs of economic recovery. Projects representing tens of millions of dollars are underway in the heart of our Capital City, including the revival of the historic Arcade - America’s first indoor mall - into a mixed-use development of retail shops and micro-lofts; a project transforming the former Providence Gas

These first two years that I have served as Mayor of Providence have

buildings into residences; Johnson & Wales University’s construction

been tremendously challenging for our City. Working together, we

of a new parking garage and physician assistant building; and the

have accomplished what few believed possible.

creation of six new retail shops on the ground floor of the Biltmore Garage on Washington Street.

As I delivered last year’s State of the City Address, on February 13, 2012, Providence was running out of cash, and running out of time. In

Last Wednesday, I attended events to celebrate the opening of

the months that followed, there were some who said Providence – like

Andy, Jr.’s, an Italian restaurant in the heart of Providence’s historic

some other American cities - could not avoid filing for bankruptcy.

Federal Hill; Ellie’s, a Parisian-style bakery that recently opened its doors at the Biltmore Garage; Ameriprise Financial’s new offices

Today it is my privilege to deliver a much more hopeful report on the

downtown; Citizens Bank’s grant to help revitalize our City’s Olneyville

State of our City: Providence is recovering. Through collaborative

neighborhood; and a topping-off ceremony for Brown University’s new,

efforts and shared sacrifice, we have all but eliminated our City’s

state-of-the-art environmental research and teaching facility.

$110 million structural deficit, and we expect to end this year with a balanced budget. We have put Providence on a sustainable path by

Providence is recovering.

working together and setting aside our politics for the greater good. At the same time, we have not lost our focus on improving public We reached a landmark agreement with our city unions and our

education and strengthening our neighborhoods. We are working

retirees to reform our City’s pension system that Moody’s Investor

to make Providence the best urban school district in America. And

Service lauded as a model for other Rhode Island cities and towns.

we have put into effect measures to protect against the blight of

Governing magazine recently wrote that Providence has become

abandoned and neglected properties in our neighborhoods hit

a leader by making our retirement systems more sustainable. We

hardest by foreclosure.

worked with our major tax-exempt institutions, which have committed more than $48 million in new contributions to our City over the next 11

Last year, we were selected as a finalist by Bloomberg Philanthropies’

years. And we thank Johnson & Wales, Brown, RISD and Providence

Mayors Challenge for our proposal to boost education outcomes for

College, and Lifespan, Care New England and CharterCARE.

low-income children by increasing the number of words they hear by their fourth birthday. Providence has been recognized by the White

Our City is home to first-class research hospitals and universities and

House Office of Faith-based Initiatives efforts to support struggling

a developing Knowledge District. We have one of the largest industrial

schools. We were named one of our nation’s “100 Best Communities

deep-water ports in the Northeast. We have one of most vibrant

for Young People” by America’s Promise Alliance.

artistic communities in America. Small businesses act as anchors in every neighborhood of our City. Our young and diverse workforce is

We have learned there’s nothing we cannot accomplish when

eager for training and opportunity.

we are united.

56

RISBJ | rhode island small business journal


What’s New | Chamber Chat

Greenwich with the celebration of 4 grand openings of businesses in the Chamber. New Members

PERFECT HARMONY

Diffley & Daughters Yogurt Riffic Unique Fittness LLC Stomp Performing Arts – 11/26 Worth Repeating Consignment – 11/26 Todd Magiera – 11-26 RI Web Gurus – 11/26 Frenchtown Auto -11/26 EGAPL 12/1

BroadSign added this

L & S Automotive

FREE GOGOMOBILE DEAL OR AD from

Any of their 30,000 screen

Orange Leaf Frozen Yogurt-12/11

from 6 August 12:01 AM to 6 Oct 11:59 PM Advertise on or own a BroadSign and/or a GoGo-Screen? Well, for the next 90 days you can get a deal or an ad placed in GoGo Cast’s New Rewardingly Addictive App, GoGoDeals ABSOLUTELY FREE!!!!

BFF Grooming Inc. 12/11 The Childrens Workshop 12/11 Greenwich Odeum Chamber Discoveries Peoples Credit Union Rok Bar N Grill Hill and Harbour Veterinary Budget Blinds Inskip’s Warwick Auto Mall

INTRODUCING AMERICA’S #1 ADVERTISING DUO, ABSOLUTELY FREE!!!! in GoGo Cast’s New Rewardingly Addictive App, GoGoDeals Well, for the next 90 days you can get a deal or an ad placed Advertise on or own a BroadSign and/or a GoGo-Screen?

AND

SCREENS

Any of their 30,000 screen

FREE GOGOMOBILE DEAL OR AD

The Rhode Island Business Journal is excited to introduce our newest media partner, GoGo Cast. This Rhode Island based organiation is a leading on-demand, location based digital media company providing real-time HD digital news, information and advertising displays in hundreds of high traffic retail locations across the state. (GoGo Screens) In addition, RISBJ and GoGo Cast are proud to present GoGo Cast’s newest rewardingly addictive mobile platform, GoGo Mobile. GoGo Mobile provides business with a unique promotionl solution that delivers real-time highly relevant information directly to ther consumer when they want through a mobile BroadSign added this

North Central Chamber Deborah Ramos, President

from 6 August 12:01 AM to 6 Oct 11:59 PM from

WPRI – TV 12 Kim Poland

application. GoGo Mobile complements GoGo Screens marketing solution by providing them with the ability to extend their reach from within the store, directly to the consumer. Businesses can easily create ads and deals on both the app and the screens, easily supply them to a market audience and/or target locations, and redeem all the benefits from advertising on these two advertising powerhouses. This partnership will provide RISBJ with additional reach in the digial media market statewide.

255 Greenville Avenue, Johnston, RI 401 349 4674 | www.ncrichamber.com As we head into Spring, we have lots of great networking events and more planned for the North Central Chamber of Commerce! This is the time of year that we all come back to life – and that’s what we hope to do for the small business community in the towns of Johnston, North Providence, Smithfield, Scituate, Foster & Glocester! Our events will include Speed

POWERED BY

Networking, a “State of the Town” Address with Mayor Lombardi, the ever popular Statewide “Business After Hours” and more. Other upcoming

SEE YOUR PRODUCTS IN:

events later in Spring will be our first “Meet Your Chamber Neighbor” and another fabulous “Taste of North Central www.risbj.com | volume two issue two

57


Small Business | Founders League Hits the Ground Running

Point of Sale Solutions

Founders League hits by Melissa Withers

We Install and Service Point of Sale Systems for any Restaurant or Retail Business. Credit Card Services Available

Getting a new business off the ground

led programming to more than 300

is exhilarating. It is also one of the most

entrepreneurs and opened a coworking

challenging things a person or team can

space at it’s 95 Chestnut Street

do. There are many uncertainties about the

headquarters that currently serves as a base

obstacles and opportunities a high-growth

of operations for more than 50 people from

startup will encounter and no surefire

30 different startups.

way to predict how a nascent venture will evolve. But ONE thing is certain in the world

Coworking is an important component of

of startups: Community is king. Despite

the Founders League platform because it

a cultural fascination with the “lone wolf”

provides entrepreneurs with ongoing access

founder who defies the odds, startups

to a community of peers who share insights,

can’t--and shouldn’t--go it alone. No matter

resources, and the bond of knowing exactly

how you slice it, basements just aren’t great

what it’s like to be in the startup grind. The

places to run a startup.

space, open 24/7, 365 days a year, include

Enter the Founders League. Created through

conference rooms and break out space, soft

a partnership between Betaspring, the

seating, and a kitchenette.

wireless networks, printers, whiteboards,

Greater Providence Chamber of Commerce, the University of Rhode Island and Brown

There are no long term commitments and

University, the Founders League offers

different membership options to meet a

community and programming where

variety of needs and work habits.

entrepreneurs can find camaraderie, resources and support.

“Being a member of a community of startups allows us to stay close to our

for more information or visit www.POSinetPOS.com

58

RISBJ | rhode island small business journal

roots and engage with developers and

League has offered entrepreneur-

entrepreneurs firsthand. Being in the

Ground Running

the

Call 401-255-6522

Since launching in January, the Founders


What’s New | Chamber Chat

Attract and connect students. Students

RI”. For more details, please visit www.

community, communication with other

represent an important asset in

ncrichamber.com and be sure to make

entrepreneurs and peers, and a powerful

Rhode Island’s effort to build a strong

us one of your “Favorites”.

feedback mechanism that helps us to

entrepreneurial community.

Founders League provides a close-knit

3.

Deploy a self-sustaining business

New Members

be more productive and focused. At a

model. The Founders League must

A&W Restaurant

macro level, the Founders League is

operate with a model that allows for

Bar 101

doing a great job of uniting the unique

sustainability and longterm growth.

Livingstone Photography

Enhanced programming. The Founders

OneAmerica Financial Partners

build services that let our customers

diversity of the Rhode Island startup

4.

5.

community,” says Mike Rowan, VP of

League is offering a continuum of

Palermo Salumeria Italiana

Research & Development for SendGrid

programming and services to match the

RI Local Magazine

and head of SendGrid Labs. SendGrid

wide spectrum of needs within Rhode

The Children’s Workshop – Smithfield

is based in Boulder, Colorado, but

Island’s start-up community.

Mike, a native Rhode Islander, seized

6.

Engage more entrepreneurs.

the opportunity to lead a new SendGrid

The Founders League places strong

Northern RI

office in Providence.

emphasis on creating a dynamic and

John C. Gregory, President/CEO 6 Blackstone Valley, 301, Lincoln, RI  02865 401 334 1000 | www.nrichamber.com

The Northern RI Chamber of Commerce, in conjunction with its Coalition partners, will host the Annual Legislative Reception on Thursday, March 21, 2012 at the RI State House from 4:306:30 PM. The Chamber of Commerce Coalition is led by the NRI Chamber, under the direction of John C. Gregory, IOM and full time lobbyist David R. Carlin III. The Coalition is the largest business A group of entrepreneurs working at the Founders League coworking community”

advocate organization in the State of Rhode Island representing 11 area

activated environment that attracts and

chambers, 7,500 businesses and

SendGrid get rooted in Rhode Island, the

meets the needs of a diverse community

70,000 employees. The Coalition

Founders League is focused on six guiding

of high growth entrepreneurs.

leaders follow more than 300 proposed

In addition to helping companies like

legislative bills annually and the

principles for how the platform will evolve. They are: 1.

The Founders League launch has been led

Legislative Reception is an opportunity

by the team at Betaspring, who are

for member businesses to discuss

Create an iconic physical nexus.

providing leadership to the platform as the

business issues and meet legislative

Place matters. Creating synergies

consortium develops a long-term operating

decision makers face to face.

and circulation are among the most

plan that seeks to ensure the Founders

important components of successful

League is financially sustainable by year

entrepreneurial communities and their

three of operations.

Create a Co-working community.

So don’t go it alone: find more information

Coworking communities provide

and register for events at foundersleague.co.

physical space to work that reinforces entrepreneurial success.

Lincoln Chiropractic Foolproof Brewing Company Bay Business Machines

entrepreneurs with access to a strong community of peers and a

Local Loyalty Partners Owner Assistance Pro, LLC

support platforms. 2.

New Members

Melissa Withers Betaspring Chief of Staff and Nerd Whisperer

TD Bank Faial Restaurant & Lounge Ferreira Home Remodeling, Inc. www.risbj.com | volume two issue two

59


Small Business | Social, Visual, Mobile, Virtual

Ready or Not, These Four Mega Trends Will Affect Your Business

Part TWO: Visual Social, Visual, Mobile, and Virtual: I refer

The VISUAL Mega Trend

by Chris Poe

a dryer to retrieve warm fluffy towels; just by envisioning yourself performing those

to these as Mega Trends because they are (1) happening on a grand scale, (2)

Visual has been the primary and preferred

actions, you can trick your body temperature

affecting business owners and executives

method of communication for our species

into rising a little.

whether they choose to do anything about

(in fact, for most sight-species) throughout

them or not, and (3) they are changing the

history. Even when we had no pictures, or

Reading about or hearing about an event is

world as we know it. Moreover, while these

words, to communicate, we would see each

never as compelling as seeing it. Take the

Mega Trends are enabled by technology,

other and make inferences based upon what

viral video of the Occupy Protesters at UC

they are more representative of the grander

we’d seen, learning from one another.

Berkley being sprayed with pepper gas – would it have impacted us as much if we

transformation that is happening as a result. This is the power of VISUAL. We are primally Ready or not, these Mega Trends are here;

hadn’t seen the footage? (I think not).

wired for visual stimulus. In fact, we’re In case you doubt how powerful visual

as a small business owner, what are you

so wired for visual that we can even trick

doing in the face of them? This article is the

our own bodies into knowing what it feels

interaction is, think about how much we long

second in a series that focuses on the four

like to do something we’ve never done by

for it when we can’t have it (for instance, when

Mega Trends in more detail, and discusses

leveraging visualization techniques. For

a loved one is deployed overseas). Consider

the options available to small business

instance, you could close your eyes and

those interactions that are simply not

owners and professionals building a career

imagine yourself holding a ceramic mug

possible without being able to see (would you

alongside them.

full of steaming hot cocoa, or reaching into

want a doctor performing surgery on you with

60

RISBJ | rhode island small business journal


What’s New | Chamber Chat

a blindfold on?). Our visual sense connects

ourselves, in fact, in that we are beginning

us, enabling us to learn from each other.

to leverage video conferencing in our call

Visual stimulus transcends generational

center with clients who have a desire to have

gaps. We have an innate desire to share what

that heightened sense of personal contact.

we’ve seen. While any marketing department will tell you Technology facilitates all of our visual needs.

how important it is to consider quality visuals

The pervasiveness of the Internet combined

in eliciting a response from an audience,

with affordable video gear like webcams,

in each of our businesses we should ask

camera phones, and the countless number

ourselves if appealing to our innate desire to

of devices we can consume and create

see things is something we can leverage in

content with, as well as the rapid growth and

accelerating or differentiating any initiative.

we are beginning to leverage video conferencing in our call center with clients who have a desire to have that heightened sense of personal contact propagation of YouTube (quick stats that will

It doesn’t require million dollar video

blow your mind: did you know that YouTube

conferencing systems or studio quality video

streams more than four billion videos DAILY?

production to leverage the power of

And that 72 hours of footage is uploaded

visual stimulus to make a positive impact on

every minute?). If that doesn’t indicate

your business.

Southern RI Elizabeth Berman, Coordinator 230 Old Tower Hill Road, Wakefield, RI 401 783 2818 | www.srichamber.com

The Southern Rhode Island Chamber of Commerce is ecstatic to run their first ever Ignite Southern Rhode Island event. Ignite is a fast-paced event in over 100 cities worldwide. Presenters share their personal and professional passions, using 20 slides that autoadvance every 15 seconds for a total of just five minutes! Enlighten us, back make it quick! The event will be hosted by the Contemporary Theater Company located on 327 Main Street, Wakefield and will take place on Saturday, March 23rd, 2013 at 7:00 pm. Tickets are $7 per person. Visit www.srichamber.com for more information. New Members Flat Earth Rebirth Out In Front Horticulture Brown Family Seafood, LLC Sexy Raw Food and Fitness SpringBrook Property Maintenance Music With Elegance

accelerating acceptance, I don’t know what does. All of this demand to enjoy more and

Consider the next time you have to

more visual interaction: leveraging these

document a process for future use. Might

technologies is going to quadruple IP traffic

it be even more effective to create a video

on the Internet by 2014.

of that process? Think about a time when

Why should we care?

something at a client location. If a picture is

you’ve sent an employee to physically see worth a thousand words, how much more Besides the fact that video makes a huge

compelling is a video? Seeing is believing,

impact on the Internet and our internal

and with the decreasing cost and

network (both from a bandwidth demand

increasing ease by which video can make

and a performance sensitivity), which of

a difference in even just one business

course we have to be ready for, we should

process, it won’t be long before you become

focus on the heightened impact that making

a believer yourself – hopefully before a

things visual can have on our businesses.

competitor does.

More and more customers will expect to interact with your business and its people in a visual way. We’ve begun to embrace this

Chris Poe Chief Technology Officer Atrion

be sure to visit risbj. com for all the latest chamber news & events happening this month www.risbj.com | volume two issue two

61


Small Business | The Importance of Optimizing Your Website for Mobile

The Importance of Optimizing Your Website for Mobile by Jeremy Girard

The days of customers accessing your website on desktop computers alone is long gone. In today’s business environment, our websites need to communicate to our audience on an ever growing range of devices, including smartphones, tablets, netbooks, laptops, desktops, gaming systems, kitchen appliances and more. The online landscape has changed and, to be successful, our websites need to change too. The “Do Nothing Approach” Oftentimes when I speak with clients and business owners about the importance of their site being optimized for mobile devices, they respond by grabbing their cell phone, firing up a web browser, and going to their website. “Look, my website comes up on mobile,” they often reply, showing me their desktop website - which is being squeezed down to fit on their phone’s tiny screen. This is what I call the “do nothing” approach to supporting mobile devices. As the name implies, you do nothing and simply expect your website, which was designed for desktop screens, to provide an effective user experience on every other possible screen as well. The photo below shows what a desktop website (we will use Envision’s site for our example purposes) looks like when it gets squeezed down for a smartphone’s small screen. As you can see, the website does appear, but it is very difficult to use. Links that were designed to be clicked on a desktop are impossible to touch on a small, touch screen device and the text is

62

RISBJ | rhode island small business journal

on t, when tate tha s rs e s na % of u bando that 40 y will a e th , e device devic ant to mobile for that If you w a . d e e iz iz s ptim this they ch and e not o able at te that to “pin websit unread 6% sta l need 4 il e . w s th d u d f o n o seco site an site, y ieces to that after 3 small p use the rn n tu o d e re in s r s othe u’ve u kely to to focu visit an e. If yo are unli zoom” ey will at a tim you th , t e y a c a ie th w ad. p y ta r) inste e in this 34% sa conten it is. r phon mpetito u o e o c c y n a e n ely ite o xperi rs that site (lik a webs asant e ustome le c t p a n u th eans hat an e to This m her du know w ite - eit raffic s T r om e u o it y a link fr Webs found efforts, obile g M n ti f of e o f rk o rd a ise gh wo dreds your m The R c ost hun e, throu ffi h in a e g tr n t w e a , ur h ision look ave yo a searc At Env ws us to then le l o . il ll s a w d n ., is etc tify tre es. Th ss with mouth, websit to iden busine whole e their rage, a k e v s ta a a em d n n rs ered th site a that, o numbe you off eir e eeing is s th s u f a o re c a e e t 30% ce. them b What w et abou xperien e kind obile e ’ sites g n m o ts r f n o o e o li s ap vice our c bile de ites om mo some s e v once a traffic fr h below d we er – an ffic from xample th a e o tr e n ion ir h a e T r o of th e Envis ts analys ver 50% hows th o s y tr in re s a a u ne, g t d a tha b artpho ere in will clim is is wh on a sm h c e T ffi it ! a s e tr b il e w site mob “do all web g to d of the dicting ccordin t instea A u . b shown rs are pre a h e proac web t few y p x a e e ” il n g b o e nothin to in th , the m have ight Google sly, we ing at e w ro this previou g is f o site for d ed our e spee iz th m ti s p e o tim As you creen. t. s e r rn e ll te a sm the In nt e conte see, th n a c one d traffic ented in crease is pres With in asy to e ed that is increas olumn c e. comes is devic e bar d on th ons. Th a ti re ta c e tely exp dequa how s are a ed for k is in L ra n e y to d to has be nd eas respon sized a should t s c e e r it p s b and ou sers ex our we access d our u n a . ad s h e proac devic n, inste ing” ap vigatio mobile a th n o n o “d d an the ey foun more th nt surv e c re r anothe In fact,


The Importance of Optimizing Your Website for Mobile | Small Business

of being presented as a row of tiny text links, is a large, touch-friendly “menu” button that will bring you to a similarly large, touchfriendly menu. More Than Just Phones Some may suggest that the answer to this situation is that you need a “mobile website.” This means that you will have two separate sites to maintain and keep updated – a “desktop” site and this new mobile site. Do you really want to have double the sites to manage? Furthermore, this approach is only addressing the two extreme user cases – large desktop screens and small phone screens. Supporting multiple devices is about more than just those two device sizes. In fact, a study conducted by the Pew Research Center for Excellence in

We believe that the best approach for supporting this new multi-device world is called “responsive design.” Put simply, your

Journalism an d the Econom ist Group found that rath er than replac ing old technology wi th new devices , these new devices are cr eating “multi-pl atform” users. The repo rt stated that m ore than half of users wh o use a tablet also use a smartphone and 77% of th em also use a desktop or laptop. This means that a single us er could be ac cessing your website co ntent on 3 very different devices – a sm artphone, a ta blet, and a desktop compu ter. In each inst ance, they expect access to the website content in an experience suited to the de vice they are using at th at moment. Th is is where the bar has be en raised to fo r our new multi-device au dience.

all of which are showing one website that was built using this responsive approach. In each case, the layout of the website has

business has one website to maintain,

changed slightly in order to best support

manage, and promote and that single

that particular device and the human being

site would reflow its layout based on the

behind the device trying to find out about

screen size being used to access it. In

our company and our services. In the end,

this way, your site will always do its best to

this is what is really important - supporting

present an optimal layout and experience

the human beings that are requesting your

for site visitors. It will present the large

company’s website on this ever changing

screen layout designed for desktop users

array of devices and screen sizes. When you

and the small screen experience meant for

optimize your website for a variety of devices,

smartphone visitors – as well as everything

you really optimize it for a wide variety of

in between. With so many new devices and

people and their very different needs.

varied screen sizes entering the market each day, this responsive approach allows your site to respond to the devices of today and tomorrow.

Jeremy Girard Director of Marketing Envision Technology Advisors

The image below shows a variety of popular devices,

www.risbj.com | volume two issue two

63


Featured NonProfit | Saving Lives 100K Style

ASPCA Rachel Ray 100K Challenge

Saving Lives 100K Style Since 1913, The Providence Animal Rescue

animals were adopted in two days. Quite the

We are challenging our community to join us

League (PARL) has been serving the people

kickoff weekend!

in brainstorming innovative, out-of-the-box ideas on how we can increase the

and animals throughout Rhode Island and beyond. Established as a non-profit 501(c)3

“The ASPCA Rachael Ray $100K

animal welfare organization, PARL receives

Challenge is a great motivator

no federal or state funding and relies solely

for our team and the residents

on donations from generous individuals,

and businesses of Rhode

adoptions of our shelter animals. Over the next few months we will be launching new adoption programs that

businesses and foundations to support its

Island to get involved - to

will send many more

work to provide compassionate care, medical

help connect the hundreds

animals home. Do you

treatment and adoption services to more than

of awesome, loving cats

have an idea? Great!

2000 animals each year.

and dogs in our shelter with the right families,” says Shelter

“We are proud of the fact that PARL has been

Manager Amy Duskiewicz.

a community resource for a century now

We’d love to hear it and encourage you to share it with us!

“Working together, we

and always strives to lead the way

will save hundreds of

by example. We are fortunate

animals and enrich the

that we are able to contribute

lives of new adopting

Another key component of winning the ASPCA Rachel Ray $100K Challenge will be partnering with local businesses to launch

in such positive, effective ways

families. At the same

adoption events. Do you have a business that

that enrich the lives of people

time, we’ll have a

would like to partner with us? Super! We’ll

and animals in our state,” says

shot at the $100,000

both benefit from the combined exposure!

Executive Director Carmine

grant which would

There will also be sponsorship opportunities

DiCenso. “We can now say that

continue to fund our

we have another exciting first for

programs and services

PARL...competing in the ASPCA

and save more lives.”

only for PARL to save animals and win grant money but also for a little state-wide pride in

Rachel Ray 100K Challenge!” The ASPCA Rachel Ray 100K Challenge

to benefit from in the form of merchandise and print materials. This is an opportunity not

It’s all about community.

how we can come together and rally for the

We’re up to the challenge...are you?

people and animals of our community.

is a contest in which 50 shelters across the country will compete to break their own

We can’t do this without you. Many different

Help us save more lives by contacting Amy

records at saving animals’ lives. Throughout

community members can help – individuals,

Duskiewicz, Shelter Manager, at 401-421-

the months of June, July and August 2013,

businesses, local government and nonprofits.

1399 x 205 or aduskiewicz@parl.org. Visit

each competing shelter must save more dogs,

For example, in the first-ever ASPCA Rachel

www.parl.org to learn more about the ASPCA

cats, puppies and kittens than they did during

Ray $100K Challenge,

Rachel Ray 100K Challenge.

the same three months the previous year.

one local car dealer

During those months in 2012, PARL saved 76

advertised a

dogs and puppies and 303 cats and kittens,

holiday sale that

such as Smokey and Angie pictured here.

also promoted pet adoptions.

It’s all about saving lives.

They increased car sales AND

Last year’s Challenge started with a

helped to find

major bang and included some seriously

homes

heartwarming adoptions. Nationwide, 2,700+

for animals!

64

RISBJ | rhode | rhode island island small small business business journal journal

Angie is a four-year-old pitbull/ mastiff mix who was adopted in June of 2012. Bruschi is a pitbull puppy who was adopted in February of 2013. He’s pictured here with PARL staff member, Candace. Smokey is a three-year-old male cat who was adopted in June of 2012.


We’re Up to the Challenge!

Are You?

starts june ‘13

We’re in!

The Providence Animal Rescue League was named one of only 50 shelters in the entire country to compete in the ASPCA Rachael Ray $100K Challenge! We need you, our community, to help us save more lives this June, July and August! Wanna help us save lives?

www.parl.org 34 Elbow St, Providence, RI 0903 | 421-1399

www.risbj.com | volume two issue two

65


GoLocalProv.com is the “go to” local Web experience that breaks the biggest local stories, sports, high school sports, weather, news, politics, arts, entertainment — and allows users to go as deep as they wish. Branded, credible, and respected contributors from RI create the stories and content. Information is delivered through multimedia, written, and video platforms. All at GoLocalProv.com.

Providence Hotels Outperform National Average For 2012 Providence hotels are putting more heads

including a solid year for meeting,

programming in Kennedy Plaza and

in beds, with 2012 occupancy and Average

convention and sporting event bookings

developing a wonderful Fourth of July celebration. The PWCVB has also focused

Daily Rate (ADR) outperforming the national

and attendance, as well as the continued

average, the regional average and the city’s

development of event-based programming

on marketing Providence as a top culinary

own 2011 numbers.

by the City of Providence and other

destination, creating Providence Restaurant

local organizations.

Weeks and promoting local chefs to the

Occupancy for Providence hotels in 2012 averaged 67.6 percent, a 4.3 percent gain over 2011’s 64.9 percent and well above the average for both the U.S. (61.4 percent)

“We’re very pleased with the numbers for 2012 and very optimistic about 2013,” said PWCVB President & CEO Martha Sheridan.

and for all of New England (61.6 percent).

“We had some large groups in last year, like

The largest gains were in the Average Daily

Alpha Kappa Alpha Sorority, which brought

Rate. ADR for 2012 was $137.36, a 5.7

more than 2,500 delegates to the area for

percent increase over the 2011 ADR, which

its regional conference in April, and the

was $129.94. Nationally, ADR for 2012 was

International Association for Food Protection

$106.10, with ADR for New England at

2012 Annual Meeting, which consumed

$126.80.

2,470 hotel room nights in July.”

AHL All-Stars the latest success

Most popular days, biggest draws

“Our successful efforts to attract large

In tracking occupancy, the PWCVB also

conventions and events like this week’s

notes that Saturday is the most popular day

Dunkin’ Donuts AHL All-Star Classic are

of the week for an overnight stay, which

bringing more visitors to Providence and

points to the strength of leisure travel.

helping grow our local economy,” said Mayor

WaterFire continues to be a top draw and

Angel Taveras. “Providence has so much to

the city’s growing national reputation as a

offer, and we will continue working closely

top culinary destination has also bolstered

with the Providence Warwick Convention &

Providence’s visibility.

the PWCVB has also focused on marketing providence as a top culinary destination, creating providence restaurant weeks and promoting local chefs to the national media

Visitors Bureau to promote and market our Creative Capital.”

“Promoting Providence as a great weekend getaway has been a collaborative effort.

national media,” said Sheridan, noting that the city was recently ranked the #1 Food

The Providence Warwick Convention &

The City of Providence has augmented

Destination in the U.S. by the readers of

Visitors Bureau (PWCVB) attributes the

and enhanced their cultural offerings in

Travel + Leisure magazine in their “America’s

strong numbers to several factors,

recent years, including introducing new

Favorite Cities” poll.

66

RISBJ | rhode island small business journal


Providence | golocal

Bill Would Reduce/Eliminate Minimum Corporate Tax As Rhode Island attempts to continue its

the cost for small businesses to operate

recovery through the recent economic

should be one of our foremost goals,”

downturn, one of the issues Republican,

he said.

Tea-Party and other similar tax opponents point to as a major hurdles to small

The bill, which has been co-sponsored by

businesses starting up in the state is a

Senators Louis DiPalma, William Walaska,

minimum $500 corporations franchise

Frank Lombardo and Senate Majority Leader

tax payment that all businesses in RI are

Dominick Ruggerio, has been referred to the

required to pay each year.

Senate Committee on Corporations.

If one General Assembly member has his

State Senate’s main focus is to “make it easy

Two months in 2012 – June and October

way, however, that burden may soon be less

to do business in Rhode Island.”

– topped 80 percent occupancy, a

of an obstacle.

Bates said his legislation is proof that the Biggest months for occupancy

height not reached since 2004. Both

“We know Rhode Island has a less than

were strong meeting and convention

Senator David E. Bates, a Republican from

wonderful reputation as a business friendly

months. June featured Netroots Nation,

District 32 (Barrington, Bristol and East

state, but that is changing with the various

a conference of progressive bloggers

Providence) introduced a bill this week that

reforms and new laws that have been

and political figures; IEEE Computer

would allow start-up companies a three-year

enacted the past few legislative sessions,”

Vision and Pattern Recognition

grace period before the tax is imposed and

Walaska added. “This bill is another

Conference; and the 2012 Hearing

would reduce the minimum franchise tax to

example of how we can help cut costs for

Loss Association of America Annual

$100 per employee for up to four employees.

Convention. The three conferences accounted for 5,549 hotel room nights.

“This legislation is going to help small and

Highlights for October included

new businesses in Rhode Island, the kinds

the University Risk Management

of businesses that employ so many state

and Insurance Association and the

residents and the kinds of companies that

American Physical Society, whose conference fell over Hurricane Sandy.

those businesses already here and make it more attractive and less expensive for new businesses to start and grow.”

we want to attract to our state,” Bates said. “A $500 minimum corporation franchise tax is

The two events combined for 7,278

a significant amount to many small, start-up

room nights. October also featured two

companies and is money they could more

popular events: the Jack O’Lantern

wisely use to make payroll or reinvest in

Spectacular at the Roger Williams Park

their company.”

Zoo and the Flames of Hope WaterFire. Bates says he knows that the legislation The Providence Warwick Convention & Visitors Bureau is an accredited,

would lower the amount of tax revenue taken in by Rhode Island but says “what is most

501(c)(6) nonprofit organization whose

important is that we provide a boost to small

mission is to create vibrant growth

and start-up concerns.”

From Rhode Islanders and for Rhode Islanders: See it. Read it. Share it.

for the local hospitality economy by promoting, developing, and expanding

“If we are serious about growing jobs in

a united visitor industry. For more

Rhode Island and if we are serious about

information, contact 401-456-0200 or

making it easier for entrepreneurs to start

visit www.pwcvb.com.

and grow businesses here, then reducing

www.risbj.com | volume two issue two

67


THE RHODE ISLAND

COMMERCIAL & APPRAISAL BOARD OF REALTORS® P RO P E RT Y F O R L E A S E

Several Prime Office Locations:

Providence, Warwick, Johnston, North Kingstown, South Kingstown, and Exeter. Call for details and address Several to choose from, Some For Sale or lease. Financing available. Call for details.

333 Main Street, East Greenwich:

Best location on Main Street. Bright and open 2nd floor unit with high ceilings. Parking lot across the street. Great office or studio space! 1,250 sq ft, $12. psf/yr. RILiving.com MLS #1018391

20 Centerville Road, Warwick:

Former school; solid brick construction. Very nice 2nd floor space; owner on 1st floor. Space plan attached. Great Apponaug location! Quick highway access and walk to Apponaug Village amenities! RILiving.com MLS #988739

1755 Smith Street, North Providence:

Former Dunkin Donuts for over 30 years (they bought & moved across the street). Seats 30+. Has a drive-thru. Parking for 20+. GREAT for ANY fast food concept. 2000 sq. ft. $4,500/mo. RILiving.com MLS #1028322

635 Arnold Road, Coventry:

Great location at Exit 7 near Centre of New England. 800’ front retail/office- Rear 1700’ warehouse service area with 14’W x 10’L O.H. door. Fully air conditioned!! Recently TOTALLY RENOVATED!!! $2500 per/mo. RILiving.com MLS #1024237

269 Greenville Avenue, Johnston:

1,000 sf street level retail - $900 mo. 1,000 - 3,000’ sf (3 units) 2nd level, bright second floor space from $750 mo. with high ceilings and sky lights. Zoned general business. By Kent County Courthouse & “Miracle Mile” Rt.2/Rt.117. Great highway access & signage. RILiving.com MLS #987502

39 Nooseneck Hill Road, West Greenwich:

74 Nooseneck Hill Road, West Greenwich:

Great Rt.3 location just a mile north of Rt.95 Exit 6. Versatile building. 13,000 sq ft clear span with high ceilings, plus two offices/service areas, 2000 & 4000 sq ft. May divide. Up to 40,000’ for Lease or buy at $1.6 Million. From $5,50 psf/yr. RILiving.com MLS #1022330

4 Grafton Avenue, Coventry:

Free Standing Commercial Building-PRIME location next to The Centre of New England-Exit 7 on Rt95.The building has many offices,a kitchen/cafeteria area,reception,storage & IT room. 1st floor office is 1650 sf, 2nd fl. office 2,000 sf, the warehouse is 1600sf w/650sf mezzanine. Sale at $495,000 or lease at $10 psf. RILiving.com MLS #1031877

Realty Group

Commercial • Investment • Residential

401-886-7800 www.ButlerRealty.us RISBJ | rhode island small business journal

24 Quaker Lane, Warwick:

Bright office/retail/general business space with open floor plan- Former tanning salon. PRIME busy corner location; easily accessible. Ample parking. 3 phase electric. $700/per month. Unit C. Former Law/Financial Planning office. 3 phase 200 amp electric. $1400/per month. Unit E. RILiving.com MLS #1010162 and MLS #1010159

Butler

68

577 Tiogue Avenue, Coventry:

1210 sq ft retail space; former salon in this first floor left unit. Located in a very nice building. New Oriental Restaurant going in on the lower level. Ample parking. RILiving.com MLS#1032118 Two 1220 sq ft adjacent spaces (2240 sq ft total) on the second floor. Located in a very nice building! Big picture windows in the units with waterviews! Elevator available and nice common area. New Oriental Restaurant is going in on the first floor. MLS# 1032254

Great Route 3 location just ½ mile from Rt 95 exit 6, nicely appointed office or retail suite with several offices and open area,was HQ for Bess Eaton & Tim Hortons. Fresh paint and carpets. 600-3600’, from $10 psf/yr. RILiving.com MLS #990071

1 Brown Street, North Kingstown:

Wickford Village- Excellent location on corner lot. Visible from three streets. Big windows, good foot traffic. Larger unit (1,500 sq ft) beautifully finished, windows on two sides. Smaller unit (1,000 sq ft) needs finishing. Can be combined. CALL NOW! RILiving.com MLS #1030851

Many more Commercial Properties @ www.ButlerRealty.us .... or email Jeff Butler at jab@ButlerRealty.us Trusted Real Estate Service Since 1977 Looking to Buy or Lease? Call the Butler!


THE RHODE ISLAND

COMMERCIAL & APPRAISAL BOARD OF REALTORS® P RO P E RT Y F O R S A L E

400 South County Trail, Exeter:

Great location!! Design Award of Excellence. Private baths. Centrally located 6 minutes South of Home Depot in North Kingstown. Easy access at the gateway to South County. Taxes are approximate. Assessment as unfinished. 900-4,000 sq.ft. available. From $124,000 RILiving.com MLS #995461

845 North Main Street, Providence:

Great location. 919 sq ft office condo in a medical building near Miriam Hospital. Easy highway and city access by the corner of Branch Ave and North Main. Waiting room, reception, private bath, 3 exam rooms, office. $50,000 under assessed value. $98,500 RILiving.com MLS # 1029651

747 Pontiac Avenue, Cranston:

Great location near Rolfe Square. Three floors of office suites from 200 sq ft and up. Good income generator or large owner occupied office. Owner keeping several suites clear anticipating a larger user to buy/occupy and have income. $875,000

RILiving.com MLS#1020960

111 Hopkins Hill Road, West Greenwich: ½ acre – 16 acres Very fast growing area off Exit 6A near GTech, Amgen & Centrex. Front pad is busy Dunkin Donuts, balance of site permits office, retail, warehouse & light industrial. Traffic count 15,000 and growing! Multitude of possibilities- 6 other avail. lots. From $150,000 RILiving.com MLS #855989

81 West Industrial Drive, Cranston:

132 Meadow Street, Warwick:

Flex space, office/warehouse very convenient off Rt. 295 at Rt. Up to 2,000 sq ft office, 1,000+ sq ft warehouse 14’ OH door, end unit on dead end street offers parking and vehicle flexibility. Great for contractors. Reduced! $250,000 Lease Considered!

Great location off Rt.117, 1 mile East of Exit 10. Office/ Mfg Wrhse combo. Great value for user. Nice, clean, bright space! This bldg has been substantially updated & is turn key ready to go. Owner can also modify to suit! Lease option available. $525,000 RILiving.com MLS #1013527

157 Granite Street, Westerly:

39 Nooseneck Hill Road, West Greenwich:

Great corner location at signaled intersection. Many major retailers are in this area. Building could be rehabbed or knocked down. $650,000 Also available: The adjacent 2 family lot (lot #274) 8,712sq ft for $200,000. RILiving.com MLS #1034320

111 Airport Road, Warwick:

Very nice 2nd floor office space. Tastefully decorated, good paint & carpet, possible office furnishings (nice stuff!) Three offices, conference, reception, lav., plus large basement storage. $180/month condo fee. Reduced $84,900 RILiving.com MLS #1012762

4 Grafton Avenue, Coventry:

Free Standing Commercial Building- PRIME location next to The Centre of New England-Exit 7 on Rt95.The building has many offices,a kitchen/cafeteria area,reception, storage & IT room. 1st floor office is 1650sf, 2nd fl. office 2,000 sf, warehouse is 1600sf w/650sf mezzanine. Sale at $495,000 or lease at $10 psf. RILiving.com MLS #1031857

Butler

Realty Group

Commercial • Investment • Residential

401-886-7800 www.ButlerRealty.us

Large multi-use building offers great flexibility, possible multiple tenants. The church would consider a lease-back of 10,000-15,000sq ft. Additional 14 acres adjacent also available. Great Rt.3 location just a mile north of Rt.95, Exit 6. Reduced! $1,600,000 Lease Considered! RILiving.com MLS #1029643

400 South County Trail, Exeter:

Approved Development Zoned Business 17+acres.Current permitted plans for 7 office building for total of 86,000net sf.MANY POTENTIAL USES. Central Rt.2 location minutes from Home Depot/Walmart in N.Kingstown. Easy highway access-strong traffic count! $975,000 RILiving.com MLS #1029590

N CTIO EDU R E HUG

7265 Post Road, North Kingstown:

7.82 acres on US Rt.1. Zoning permits apartments/office/medical/retail. Many possibilities!! Will build to suit, sale or lease, or land only. Great location. Dozens of acres and walking trails behind property. Adjacent 5+- acres also available. Call For Details! RILiving.com MLS #856381

Many more Commercial Properties @ www.ButlerRealty.us .... or email Jeff Butler at jab@ButlerRealty.us Trusted Real Estate Service Since 1977 Looking to Buy or Lease? Call the Butler!

www.risbj.com | volume two issue two

69


THE RHODE ISLAND

COMMERCIAL & APPRAISAL BOARD OF REALTORS®

Peter M. Scotti & Associates, Inc.

Inside Cover C February 8 - 14, 2013

Rhode Island

New England Real Estate Journal

Visit the paper online nerej.com

PeterBrokerage/Appraisal/Management M. Scotti & Associates, Inc. BArokerage /appraisal /ManageMent Full Service Real Estate Company A full Service Real Estate Company

RETAIL CENTER FOR SALE 440 STAFFORD RD., FALL RIVER, MA

63,000 SF GROCERY ANCHORED RETAIL SHOPPING CENTER. 95% OCCUPANCY WITH GREAT HISTORIC CASH FLOW. 6 ACRE LAND PARCEL WITH SUBSTANTIAL ON SITE PARKING. PRICE: $6,500,000 JIM MOORE EXT. 14

wATERFRONT DEVELOPMENT SITE PARASCANDOLA wHARF, NEwPORT, RI 57,900 SF LAND SITE, 74,000 SF WATER- 1,000 FEET ON NEWPORT HARBOR WATERFRONT BUS zONE ALLOWS HOTEL, REST, MARINA, MUL FAM, MIX LAST WHARF DEVELOPMENT OPPORTUNITY IN NEWPORT, RHODE ISLAND

AUTO DEALERSHIP FOR SALE 296 g. w. HIgHwAY, SMITHFIELD,RI

15,680 S.F. BUILDING WITH SHOWROOM, SERVICE, BODY SHOP, OFFICES 8.25 ACRE SITE WITH 300 CAR PAVED PARKING zONED PLANNED CORP. SELLER WILL CONSIDER OWNER FINANCING, PRICE: $1,975,000.00

FOR SALE, bELLA NAPOLI 96 ATwELLS AVE, PROVIDENCE, RI REDEVELOPMENT SITE LOCATED AT THE GATEWAY TO FEDERAL HILL TWO BUILDINGS, 5,400 S.F. & 2,354 S.F. ON TWO LOTS, 7,000 S.F. OF LAND zONED C-2 ALLOWING BROAD RANGE OF USES, PRICE: $995,000.00

RESTAURANT FOR SALE 248 ACADEMY AVE, PROVIDENCE, RI

3,400 SQUARE FOOT BUILDING CURRENTLY REGIONAL FRANCHISE USER OPERATING TURN KEY FACILITY IN MT PLEASANT AREA WITH DENSE DEMOS, OFF STREET PARKING PRICE: $295,000.00

OFFICE bUILDINgS FOR SALE EAST SIDE OF PROVIDENCE, RI

124 WATERMAN: 7,600 SF VICTORIAN ON COLLEGE HILL NEAR BROWN U. AMPLE OFF STREET PARKING, PREMIER LOCATION, $695,000.00 240 HOPE: 3,000 SF VICTORIAN ACROSS STREET FROM BROWN ATHLETICS FULLY RENOVATED AND MOVE IN READY, $395,000.00 439 BENEFIT: 3,200 SF RENOVATED MIXED USE BUILDING NEAR WICKENDEN STREET, TWO OFFICE SUITES, 1 APT, PRICE: $459,000

MEDICAL OFFICE SUITES FOR LEASE 49 SEEKONK ST., EAST SIDE/PROVIDENCE

2,000 - 9,400 SF SUITES WET EXAM ROOMS, LABS WAYLAND SQUARE LOCATION

AMPLE ON SITE PARKING GROUND LEVEL H/C ACCESSIBLE COMPETITIVE RENTS

Peter M. Scotti & Associates, Inc. • 401-421-8888

RISBJ | rhode island small business journal

Changes

New Proof

Proof Approved

Size: full Section: rI from: Karen Dowell x254 kdowell@nerej.com

crop 2”

70

Peter246 M.Hope Scotti & Associates, Inc.Island • 401-421-8888 Street, Providence, Rhode 02906 Visit our web page at www.scotticommercial.com 246 Hope Street, Providence, Rhode Island 02906 Visit our web page at www.scotticommercial.com NY Tel: 781-878-4540 Proof NE REal EstatE JouRNal


Commercial Real Estate

PEA E OF MIND management & real estate

Now carrying a full line of...

Full Service Manager Leasing Screening Real Estate Sales Consulting NOW Serving Quality Landlords in both Northern & Southern RI

call us today

Stacy 401 829 8323 Carrissa 401 749 9420

Chain Saws Leaf Blowers Demo Saws

“so you can sleep at night” Snow Blowers and more... 12 Month No Interest Financing Programs Available

112 Old Pocasset Road Johnston, RI 02919 | Exit 5 off 295

401-942-8857 | www.HartfordMaterials.com

www.risbj.com | volume two issue two

71


COMMUNITY

CNR

| All The Services You Are Looking For

community corner

All The Services You Are Looking For In One Location

E

S A E L OR

F

1173 Cranston Street Cranston, Rhode Island

At Primary Residential Mortgage we are happy to help you to purchase or refinance a home using an FHA, VA, USDA or a Conventional Mortgage.

Great Automotive Business Opportunity! 1/2 acre of land. 3 bays, drive thru, office, AC, gas heat. Great Exposure!

We Have The Loan Product To Match Your Needs. Call Us To Find Out About Our LOW, LOW, RATES!

Contact Ken Cesaro

Cell: (401) 641-0019 Direct: (401) 490-7123 eFax: (401) 648-0055 | Email: kcesaro@primeres.com Licensed in RI, MA, CT & NH

Near Stop & Shop, Lowe’s and Kmart. Thousands of Cars Go By Everyday.

Call 401.837.2477 For Per Month Price

YOUR EXTERIOR CLEANING SOLUTION Danny P. DeHoney

CFP®, ChFC®, CLU®, CRPC®

FINANCIAL ADVISOR CERTIFIED FINANCIAL PLANNER™ PRACTITIONER 175 HILLSIDE ROAD CRANSTON, RHODE ISLAND 02920 877 277 0453 DANNY.P.DEHONEY@AMPF.COM CA INSURANCE #OE43144

Been In A Recent Accident? How Do You Want To Be Taken Care Of?

AutoPaint RI

ACCIDENT REPAIR CENTER Call (401) 943-6300 www.autopaintri.com Located at 47 Stamp Farm Road, Cranston RI

72

RISBJ | rhode island small business journal

Philip C. DiSano, Jr. RI License# 22598 | Fully Insured

Commercial Pressure Washing:

Removes Mold & Dirt! • Increases value of the location! Saves time and money! • Improves Business Appeal


BE A

BIG FISH IN A LITTLE BANK ...that’s helped build some of Rhode Island’s most successful businesses.

Greenville (401) 949-1600 | Cumberland (401) 333-3666 | East Providence (401) 244-6691 | www.freedomnationalbank.com

www.risbj.com | volume two issue two

73


RISBJ Issue 2, Volume 2  

Volume 2, Issue 2 of RISBJ Featuring FuelBelt

Read more
Read more
Similar to
Popular now
Just for you