Business Journal 20150904

BusinessJournal A MONTHLY PUBLICATION OF JOURNAL PUBLISHING AND THE COMMUNITY DEVELOPMENT FOUNDATION

September 2015

Teaching personal finance

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THE NORTHEAST MISSISSIPPI

BUSINESS JOURNAL

SEPTEMBER 2015

Area banks adapt to technological needs

BY ZACK ORSBORN DAILY JOURNAL

In this digital age, millennials – young adults born between 1981 and 1997 – crave even more technology, especially when it comes to their banking.

Millennials admitted their mobile banking app disregarded certain features they would like to use including person-to-person payment and access to savings account rates, according to a recent study completed by Brian Bacon from SNL Financial.

More than 60 percent of millennials expressed interest in switching banks due to missing app features.

Banks in Northeast Mississippi are finding ways to adapt to the digital landscape by staying up to date and listening to their young customers’ concerns.

RENASANT BANK

For example, leaders at Tupelo-based Renasant Bank sat down with 15 millennials and asked them how they made their financial decisions.

From their research, John Oxford, director of corporate communication and external affairs at Renasant,

found millennials still like brick-and -mortar banking when it comes to talking to someone about big decisions. But when it comes to everyday banking, it’s primarily on a mobile phone and online.

“They are low-maintenance banking customers, but they like high-maintenance products,” Oxford said.

Renasant recently adopted Apply Pay, a new way to pay for products on an iPhone and iPads instead of using cards or cash.

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Oxford said customers are praising the new form of payment, but some vendors and retailers are not adapting as quickly to the change.

“There’s a cost for retailers to do that, but if they want to win the millennials’ business, they need to appeal to the millennials’ way of paying,” he said.

Millennials fear debt, and buying a house absolutely terrifies them. Out of the 15 in the focus group, only two millennials owned a house and had a savings account.

Research also showed that millennials tend to trust their parents when it comes to financial advice.

“If you bank the parents, you’ll probably bank the millennial because they are a very loyal group,” he said. “Millennials trust that parent advice a lot more than that angst of the alternative rock ‘90s generation folks that are kind of raging against the parents.”

To market to a younger demographic, Oxford and Renasant leaders place upbeat music in advertise-

ments and writing personalized messages on social media.

“Messaging has to be much more tailored than anything else because they are in the social media atmosphere that wasn’t around in the previous generation” he said. “Their Facebook and Twitter feed are personalized.”

Oxford said millennials are people, too.

“They are not just robots that stare at their phone all day,” he said. “Your Boomers and GenXers think they are just on their phone all the time. It’s sort of a misnomer.”

BNA BANK

When Amanda Kent, vice president of marketing at BNA Bank in New Albany, started working at BNA Bank eight years ago, the technological trend skyrocketed.

At the same time, she saw a decline in banking customers visiting a physical location due to the rise of mobile technology.

Kent said mobile banking adds to business rather than take it away.

“I think it’s easier for the customer to bank with us, so I feel like it helps get new TURN TO TECHNOLOGY, PAGE 13

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SEPTEMBER • 8: THE FULTON CHAMBER OF COMMERCE will host a kick-off event beginning at 5:30 p.m. at the Holiday Inn Express to introduce Executive Director Molly Loden and the board of directors to the public.

• 10: NORTHEAST MISSISSIPPI JOB FAIR will be held from 9:30 a.m. to 2 p.m. at Crossroads Arena, 2800 S. Harper Road in Corinth. For more information or help with a resume, contact a local WIN Job Center.

• 15: HOW TO DEVELOP A BUSINESS PLAN, 1 p.m.-2:30 p.m.,Tupelo.This seminar is designed to assist in preparing a business plan.The parts of the business plan are explained, i. e., industry research, description of company products and services, identifying target customer groups and a marketing plan. Financial components discussed are startup costs and preparation of a projected cash flow statement.To register by telephone, call 1-800-725-7232 (for MS Location: UMSBDC Business Assistance Center, Renasant Center for IDEAs

• 15: HOW TO DEVELOP A BUSINESS PLAN, 1 p.m.-3 p.m., Starkville. This seminar is designed to assist in preparing a business plan.The parts of the business plan are explained, i. e., industry research, description of company products and services, identifying target customer groups and a marketing plan. Financial components discussed are startup costs and preparation of a projected cash flow statement.To register by telephone, call 1-800-725-7232.

Location: MSU SBDC – MSU Business Incubator Building,Thad Cochran Research,Technology and Economic Development Park.

• 16: HOW TO DEVELOP A BUSINESS PLAN, 1 p.m.-2:30 p.m., Oxford. This seminar is designed to assist in preparing a business plan.The parts of the business plan are explained, i. e., industry research, description of company products and services, identifying target customer groups and a marketing plan. Financial components discussed are startup costs and preparation of a projected cash flow statement.To register by telephone, call

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EVENTS CALENDAR 1-800-725-7232.

Location: UMSBDC, Lafayette County.

• 16: HOW TO DEVELOP A BUSINESS PLAN, 6 p.m.-8:30 p.m., University. This seminar is designed to assist in preparing a business plan.The parts of the business plan are explained, i. e., industry research, description of company products and services, identifying target customer groups and a marketing plan. Financial components discussed are startup costs and preparation of a projected cash flow statement.To register by telephone, call 1-800-725-7232.

Location: UMSBDC, Connor Hall, University • 18: MISSISSIPPI STATE UNIVERSITY COLLEGE OF BUSINESS CENTENNIAL GOLF CLASSIC, MSU Golf Course, 1:30 p.m. shotgun start. $100 per golfer includes green fee, cart fee, range, lunch and prizes. For more information, call (662) 325-3161.

• 23: STARTING A BUSINESS – FIRST STEPS, Oxford, 1 p.m.-2:30 p.m.Are you interested in starting your own business, but don’t know where to begin? This

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seminar outlines the basic steps to start a business.Topics include: regulations such as licenses and permits; legal forms of business ownership; basic marketing concepts to help analyze the revenue potential; lending terminology; outline for a business plan and other resources to assist in starting a business.To register by telephone, call 1-800-725-7232.

Location: UMSBDC, Lafayette County OCTOBER • 1-2: OSHA 10-HOUR CERTIFICATION FOR GENERAL INDUSTRY, 9 a.m.3:30 p.m., $65 (ICC-Belden). For more information on all classes, contact Becky Kelly, (662) 407-1500 or email rakelly@iccms.edu.

• 3: MICROSOFT EXCEL LEVEL 1, 8 a.m.-3:30 p.m., $65 includes book and lunch (ICC-Belden). For more information on all classes, contact Becky Kelly, (662) 407-1500 or email rakelly@iccms.edu.

• 6-7: “IMAGINE THE POSSIBILITIES” career expo at BancorpSouth Arnea. Sponsored by the Toyota Wellspring Fun at the CREATE Foundation.

The event will provide a better understanding of the opportunities available after graduation to over 3,000 eighthgrade students in Northeast Mississippi and will feature activities connected to 18 career pathways. Contact Gina Black at gblack@cdfms.org or (662) 842-4521 for more information.

• 6-Nov. 5: WELDING AND CUTTING, (Tu/Th), 5:30-8:30 p.m., $369 (ICC-Belden). For more information on all classes, contact Becky Kelly, (662) 4071500 or email rakelly@iccms.edu.

• 12: FORKLIFT TRAIN-THETRAINER, 8 a.m.-noon, $50 (ICCBelden). For more information on all classes, contact Becky Kelly, (662) 4071500 or email rakelly@iccms.edu.

• 15: NEWMS WOMEN’S BUSINESS NETWORK will be held at 3:45 p.m. in the CDF boardroom.

• 16: CE WORKSHOP FOR ENGINEERS/LAND SURVEYORS, 8 a.m.-4:30 p.m., fee TBA (ICC-Belden). For more information on all classes, contact Becky Kelly, (662) 407-1500 or email rakelly@iccms.edu.

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BUSINESS JOURNAL

SEPTEMBER 2015

BUSINESS JOURNAL

SEPTEMBER 2015

High school personal finance classes still offered

BY ZACK ORSBORN BUSINESS JOURNAL

TUPELO – Growing up, Kevin White, business teacher at Tupelo High School, didn’t take a personal financeclass until college.

“It wasn’t available,” he said. “I wish it would have been. Luckily, I had parents who sat down and talked about our budget as a family.”

According to a study, 66 percent of high schools fail to teach a personal financing class.

This leads to another alarming statistic by Electus Global Education Co.: 79 percent of students between 15 and 21 years feel unprepared to take on financial responsibilities.

White tries to teach real word situations to ease students’ stresses about managing finances.

“I’ve been married 10 years, and I have three kids,” he said. “Of course, that includes doctor bills.

I’ve owned cars in that 10year period and multiple houses. I try to teach them things that they’re going to deal with in life. For a lot of these kids, their parents don’t discuss it with them, so it’s not reality until

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Tupelo High School Accounting teacher Kevin White helps Kennedy Armstrong and the next generation of students to understand how to budget. somebody does.”

In his lessons, he teaches students about filling out tax forms, how to get a car, interest rates, contract negotiations, getting a house and having good credit.

He also teaches students

how to find a job, as well as how to maintain that job and the income that comes with it.

After taking a personal finance class at THS, senior Logan Long learned how to manage a complex budget.

“I learned about income and expenses,” he said. “Instead of just writing, ‘I got this much money, and I spent that much on a candy bar,’ I have different sections for all the stuff I need.”

Long keeps up with his spending by marking down what he’s spent in a notes app on his phone.

Instead of taking the personal finance course, senior Briana Shackelford took business law, but she still

learned how to save money from her parents.

By saving at least $20, Shackelford limits herself on not going overboard with buying makeup and clothes.

“My dad is a couponer, so he taught me how to save money. It’s hard,” she said. “Right now, I really need to go to the mall and get this outfit, but I’m going to wait for a little minute.”

Mike Highfield, professor of finance at Mississippi State University, said individuals do not recognize how quickly credit card debt and general lack of savings can entrap them.

Excessive spending can relate to the fact that children grow up seeing parents paying with a credit or debit card as opposed to pulling out dollar bills, he said.

“Studies have shown that people have a greater emotional attachment to actual currency when they spend than they do a credit card,” Highfield said. “If you pull bills out of your wallet, you’re going to notice a lot more how much something is costing than when you’re swiping a credit card.”

TURN TO CLASSES, PAGE 13

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Key factors to consider on interest-only mortgages Mortgage outlook

BY ALEX VEIGA ASSOCIATED PRESS

Don’t call it a comeback.

Interest-only mortgages got a bad reputation in the aftermath of the housing bust, but they’ve managed to stick around as an option for homebuyers who can meet stricter lending guidelines enacted by the government in recent years.

The loans can lower monthly mortgage payments by letting borrowers put off paying the principal on their loan for several years. When the interestonly period ends, the borrower’s monthly payment spikes as they begin to pay a combination of principal and interest until the loan is paid off.

That monthly payment shock, often accompanied by a higher interest rate on adjustable-rate interestonly loans, is what got many borrowers in trouble a decade ago.

One reason is that many of those borrowers qualified for their loans on the basis of their ability to repay the lower, interestonly payment. When their monthly payment reset higher, many couldn’t keep up.

That’s no longer the case.

Now lenders are required to determine whether borrowers qualify for any interest-only loans, or other adjustable-rate mortgages, based on whether they can afford to make the eventual bigger monthly payments that await them once the initial interest-only period ends.

As a result, such interestonly loans now make up only about 0.2 percent of all adjustable-rate mortgages, or ARMs, which account for about 4 percent of all home loans for purchase and refinancing, according to data from CoreLogic.

Use of interest-only mortgages peaked 10 years ago at the height of the housing bubble at around 10 percent of all ARMs. “The big difference here is interest-only loans are back to being the niche product that they traditionally had been,” said Greg McBride, chief financial analyst at Bankrate.com. “The go-go days of the housing boom were the exception.”

Still, rising home prices can make interest-only loans a tempting option for borrowers who are interested in a lower mortgage payment and can qualify for such a loan under today’s stricter guidelines.

Even with today’s stricter

Enticing prospective homebuyers, mortgage rates have fallen over the past year.

But a big question looms. Will the Federal Reserve soon raise a key interest rate for the first time in nearly a decade? The central bank has held its short-term fed funds rate near zero since 2008.

It has been widely expected that the Fed may act, possibly as soon as next month. But recent anxiety over an economic slowdown in China and possible fallout for the U.S. economy could delay a rate hike.

A Fed increase could percolate through the markets and potentially cause mortgage rates to

Signs look favorable

rise. But long-term mortgage rates generally track the yield on the 10-year Treasury note, a prime indicator of economic jitters or confidence. In the recent market upheaval, for example, investors fled to the safety of U.S. government bonds.

Many experts expect the 10-year yield to remain fairly steady after the Fed lifts rates, so the 30-year home-loan rate could run near 4 percent or a bit higher. Besides, a Fed increase has been anticipated for a long time and could already be “baked in” to the markets cake.

Rate rises are going to be very gradual and will almost become a non-event, says Daren Blomquist, a vice president of RealtyTrac, a real estate analytics firm.

Mortgage rates are likely to remain fairly steady if the Fed raises interest rates.

3.0%

4.5%

U.S. 10-year treasury yield

30-year average mortgage rate (weekly)

2.5

4.0 Aug. 29: 4.10% 3.5

2014

Aug. 26: 3.93% 2015

2.0

Aug. 25: 2.39%

1.5

Aug. 26: 2.18%

2014

Sources: FactSet, Freddie Mac

guidelines aimed at ensur- whether such a loan is right ing borrowers can handle for you: interest-only loans, they carry potential financial PAYMENT CHANGES risks. Here are some things Interest-only mortgages to consider when weighing can come with a fixed or

2015 Marcy Gordon; J. Paschke • AP

variable interest rate and an initial period when the borrower only pays interest on the loan. That’s usually three, five, seven or 10 years. After the interest-

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only period, the monthly payment can increase sharply as the borrower begins to also pay down the principal on their loan.

In addition, the borrower is left with 20 years to pay off the balance of the loan.

LENDING REQUIREMENTS

To ensure borrowers can afford an interest-only mortgage, lenders often require large down payments relative to what one can find with a traditional 30-year, fixed-rate home loan backed by the government.

For example, the down payment on a mortgage backed by the Federal Housing Administration can be as low as 3.5 percent, though the borrower will have to pay private mortgage insurance. And borrowers can qualify with a FICO score as low as 580.

BUILDING EQUITY

With a traditional mortgage, the borrower is paying part of the principal with every payment. That helps build their equity in the home along the way. In the initial period of an interest-only mortgage, the borrower is only gaining equity if their home is appreciating.

Mark 16:15

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BUSINESS JOURNAL

SEPTEMBER 2015

BUSINESS JOURNAL

SEPTEMBER 2015

A crazy little thing called cryptocurrency

A

little less than a decade ago, we purchased much of our music at Tower Record stores, rented many of our movies from Blockbuster and often sought small electronics from RadioShack. These retailers are now just a shell of their former glory, and the major disrupter to these and many similar business models was the impact of technology coupled with convenience to the consumer.

Although the shift in retail purchasing and mass consumer preference is by no means “new” news, a crazy little thing called cryptocurrency has the potential to transform financial transactions the same way Netflix and iTunes transformed the movie rental business.

Recent headlines on bitcoin have raised the profile of cryptocurrencies and their future viability as a form of money. While cryptocurrencies are still in their infancy as compared to most main stream currencies they are real, and if adopted and properly regulated, have the ability to be a major disrupter to the financial transaction industry. They also have the ability to be very dangerous.

But let’s back up. What is cryptocurrency?

Cryptocurrency is digital currency that uses encryption technologies to process its transactions, the most famous of which is the previously mentioned bitcoin. Cryptocurrency is not a fiat currency which means it is not based on or regulated by any central government.

In short, it’s digital money based on your trust of the system that runs it. And one system is

called the block chain, a ledger of transactions which is operated by miners – people JOHN like you OXFORD and me that run software which operates the block chain and rewards us for giving up our computer capacity with new bitcoin.

It’s a little more complicated, but that’s the general idea. The system runs itself with no inflation, rate controls or government intervention – in theory.

The beauty of cryptocurrency is that it can be quickly exchanged at near zero cost into digital wallets from person-to-person, person-to-business and vice versa just about anywhere in the world where an Internet or cellular connection exists. It makes moving money simple, inexpensive and very convenient.

While the transaction ability is near genius in its simplicity, the security is still concerning. Digital wallets are open to hacking and cryptocurrency is ripe for tax evasion and opportunistic money launderers.

And let’s not forget that cryptocurrency is not FDIC-guaranteed. If you are hacked, Google “Mt. Gox” and cringe – your digital money is gone with little chance of getting it back, tracing where it went or being reimbursed.

Why should anyone care about cryptocurrency? Financial transaction agents such as Western Union stand a real chance to becoming obsolete due to the cost and ease of sending cryptocurrency should

it become safer and a more readily adopted means of moving money in an increasingly globalized world.

Banks will need to adjust how they transact cryptocurrency should it become regulated enough to be accepted and insured. Retailers will need to adjust to a new currency that, if it can be trusted to hold value, could be an easier means of transacting business, especially over the Internet. And individuals may find that with the proper digital wallet app and connection, the transfer and exchange of cryptocurrency is extremely fast, efficient and cost-effective.

Even more intriguing than cryptocurrency, technology such as the block chain may actually be where the most promise lies in creating a better system to move money.

And the financial services industry, while tentative to adopt this new technology due to safety and soundness, is very much taking notice.

In reality, the adoption of cryptocurrency, as new age and cool as it appears, is still a long way from being full accepted due to trust, general safety concerns and lack of regulation – and the fact it’s just plain hard to understand.

Just like any potential technology disruptor, cryptocurrency definitely deserves attention and, should it become safer and properly regulated, possibly our acceptance.

However for now, I’ll take the good ole’ Members of the FDIC, but that’s just my two bitcoins.

JOHN OXFORD is director of corporate communication and external affairs of Renasant Bank.

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ChamberConnection A publication of Journal Publishing and the CDF Chamber Division – September 2015

CDF to host Wake Up! Tupelo event The Community Development Foundation (CDF) Chamber of Commerce enters its 2015-2016 program year September 18 with its quarterly breakfast networking event, Wake Up! Tupelo/Lee County. In addition to its breakfast gatherings, the Chamber will offer a variety of business and professional development opportunities through Chamber seminars, leadership programs, networking events and more.

“After wrapping up a record year in member participation we are really excited to continue offering quality events that are relevant to our members and the business community at-large,” said Chamber Vice President Judd Wilson. “Whether you are looking for a classroom-type development seminar or just want to be a part of our networking events, we have something to offer.”

In addition toWake Up! events, Chamber programs include Business After Hours, the Jim Ingram Community Leadership Institute, Business Boxed Lunch & Learn, ribbon cutting ceremonies and more. Last year’s Taste ofTupelo business expo drew a crowd of over 1,300 attendees and the Chamber hopes to attract even more this year.

Chamber member Community Bank participates in the 2014 Taste of Tupelo, the Chamber’s regional trade show and premier business networking event. The 2015 Taste of Tupelo will be held Thursday, November 12 at the BancorpSouth Arena.

Our Business Roundtable meetings are one of our most popular events,” said Director of Membership Development Emily Addison. “Our members really support each other and its always great to see a room full of professionals who take time to hear from other members,” she said of the bi-monthly networking events.

For more information about CDF events, visit cdfms.org.

Get the most out of your CDF membership through the Chamber’s programs and services • The Chamber provides business development seminars, networking opportunities, community leadership classes, publicity for your business, and much more.

Chamber Connection 2.0 (CC 2.0) e-newsletter With nearly 4,000 subscribers, members are encouraged to submit announcements, advertisements, awards, etc. for CC 2.0.

Chamber Advantage CDF’s ChamberAdvantage affinity program features exclusive chamber member discounts, products or services offered by program participants.

Business After Hours Business After Hours offers members the opportunity to meet other business representatives, exchange ideas and make important long-lasting bonds in a relaxed social setting.

Business Roundtable Join fellow CDF members at this bi-monthly networking meeting as they give brief, informative reports. Over 50 member businesses are represented at each meeting.

Jim Ingram Community Leadership Institute The Jim Ingram Community Leadership Institute is a two-year program designed to enhance community leadership development and encourage personal and professional growth.

Livability Tupelo/Lee County Magazine Advertise in this annual, CDF-sponsored quality of life magazine distributed to all CDF members, including area hotels, health care facilities, restaurants and more.

New Member Forum This "CDF 101" course provides the tools needed to kick-start your involvement in the CDF and business community. New CDF members and new employees of CDF members are invited to attend.

Ribbon Cutting Ceremonies Take advantage of this ‘photo op’ and publicity for your business that includes a picture and brief business profile published in an upcoming issue of the Daily Journal’s Northeast MS Business Journal.

Taste of Tupelo This regional trade show and premier business networking event for the entire community features over 90 exhibitors, and draws a crowd of over 1,300 attendees.

Tupelo Young Professionals The TYP’s mission is to bring together a group of young, active, civic-minded individuals who have a clear vision of Tupelo/Lee County’s future as a great place to live and work.

Wake Up! Tupelo/Lee County Wake Up! Tupelo/Lee County features a full buffet breakfast, experts, panel discussions and Q&A sessions addressing issues that affect our community and our businesses.

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A CDF

CHAMBER CONNECTION

SEPTEMBER 2015

New CDF Members Caring Heart and Hands House Ms. Connie Sadler 217 E Franklin St. Tupelo, MS 38804 (662) 842-7970 www.caringheart andhandsadc.com Retirement & Assisted Living Creative Promotional Designs Ms. Lauren Sloan 432 Magazine St. Tupelo, MS 38804 (662) 871-6419 www.creativepromo designs.espwebsite.com Promotional Items GameDay Headquarters Mr. Dan Williams 115 N Thomas St., Ste. D Tupelo, MS 38801 (662) 260-4284 www.gamedayhqshop.com Retail & Specialty Shops

GRAMMER, Inc. Mr. Dieter Pfeiffer 231 Laney Rd. Shannon, MS 38868 (662) 566-5071 www.usa.grammer.com Automotive

MedPlus Urgent Clinic Ms. Samantha Logan 874 Barnes Crossing Rd. Tupelo, MS 38804 (662) 841-0002 www.medplusclinics.com Health Care

House of Bounce Mr. Scottie Thompson 110 N Front Ave. Saltillo, MS 38866 (662) 869-7353 www.hobsaltillo.com Entertainment

Onsite OHS, Inc. Ms. Andrea Preston 1114 Commonwealth Blvd.

Tupelo, MS 38804 (812) 770-4480 www.onsiteohs.com Health Care

Little’s Jewelers Ms. Denise Mitchell 1001 Barnes Crossing Rd., Ste. 135 Tupelo, MS 38804 (662) 840-4653 www.littlesjewelers.com Jewelers

Thomas Street Apothecary Mr. Jamie Gunnells 86 S Thomas St. Tupelo, MS 38801 (662) 844-0444 Pharmacies You Home Fabrics Mr. Jeff Scoville 398 E Main St., Ste. 214 Tupelo, MS 38804 (662) 231-0138 Fabrics

Community Development Foundation’s 2015-2016 Board of Directors

CDF’s goals and objectives are accomplished through the efforts of members appointed to committees operating under one of CDF’s three divisions: Chamber of Commerce, Economic Development and Planning and Property Management.

2015-2016 Executive Committee Lisa Hawkins, Chairman Barry Smith, First Vice Chairman Scott Cochran, Second Vice Chairman David Rumbarger, President/Secretary Chauncey Godwin, Jr., Immediate Past Chairman

Chris Bagley Kim Caron Clay Foster Julianne Goodwin Zell Long

2015-2016 Board of Directors Mike Armour Chris Bagley Bo Calhoun Gary Carnathan Kim Caron Grace Clark Mike Clayborne V. M. Cleveland Scott Cochran Fred Cook David Copenhaver Jay Dey Mike Eaton Joe Estess Clay Foster

Chauncey Godwin Jr. Julianne Goodwin Robert Haggerty Doug Hanby Bryan Hawkins Lisa Hawkins Skipper Holliman David Irwin Jr. Tommie Lee Ivy Bob Kerley Emily Leonard Gearl Loden Zell Long Colin Maloney Derek Markley

Jerry Maxcy Robin McGraw Guy Mitchell III Buzzy Mize Ted Moll Mabel Murphree Sam Pace Buddy Palmer Aubrey Patterson Greg Pirkle Jack Reed Jr. Scott Reed Eddie Richey Mike Robinson Ty Robinson

Jerry Maxcy Guy Mitchell, III Sam Pace Jeff Snyder Tollie White

David Rumbarger Jason Shelton Barry Smith Jeff Snyder Jane Spain Gary Sparkman Shane Spees Buddy Stubbs Sean Suggs Melinda Tidwell Jason Warren Jimmy Weeks Tollie White

2015-2016 Ambassadors Club Rashni Barath . . . . . . . . . . . . . . .Trustmark National Bank Kayla Baxter . . . . . . . . . . . . . . . . . . . . . . . . . . . .Bank Plus Amanda Brown . . . . . . . . . . . . . . . . . . . .Community Bank Jim Brown . . . . . . . . . . . . . . . . . . . . . . . . . . .Hilliard Lyons Stephanie Browning . . . . . . .Hampton Inn & Suites Tupelo James Carter . . . . . . . . . . . . . . . . . . . . . . .Renasant Bank Gail Collins . . . . . . . . . . .Century 21 - Sue Gardner Realty Sheila Davis . . . . . . . . . .OSA - One Stop Advertising, LLC Tracy Davis . . . . . . . . . . . . . . .Rasberry Financial Services Bill Dickerson . . . . . . . . . . . . . . . . . . . . . . . .BancorpSouth Barbara Doles . . . . . . . . . . . . . . . . . . . . . . . . . . .BNA Bank Becki Duffie . . . . . . . . . . . . . . . . . . . . . . . . .Kelly Services Veleka Flagg . . . . . . . . . . . . . . . . . . . . . . . . . . .CB&S Bank Michelle Freeman . . . . . . . . . . . .Mitchell McNutt & Sams April Grissom . . . . . . . . . . . . . . . . . . . . . . .WLOV-TV (FOX) Romanda Hampton . . . . . . . . . .Hampton Inn-New Albany Dianne Harris . . . . . . . . . .Summit Group Companies, LLC Toby Hedges . . . . . . . . . . . . . . . . . . . . . .Shelter Insurance Shirley Hendrix . . . . . . . . . . . . . . .R & B Specialty Printing

Jim Jolly . . . . . . . . . . . . .Cracker Barrel Old Country Store Denise Kennedy-Brown . . . .Special Occasions by Denise Len Kester . . . . . . . . . . . . . . . . . . . . .Exceed Technologies Justin Kirk . . . . . . . . .U.S. Lawns of Northeast Mississippi Molly Lovorn . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .C Spire Jacquie McAlister . . . . . . . . .First American National Bank Brad McCully . . . . . . . . . . .Sportsman Lawn & Landscape Katie McMillan . . . . . . . . . . . . . . . . . . . . .Key Staff Source Sherry Miller . . . . . . . . . .University of Mississippi - Tupelo William Mills . . . . . . . . . . . . . . .Mills & Mills Architects, PC Ashley Prince . . . . . . . . . . . . . . . . . . . . . . . . .local MOBILE Angela Rea . . . . . . . . . . . . . . . . . . . . . . .Hilton Garden Inn Christy Stewart . . . . . . . . .Franklin Collection Service, Inc. Karla Strickland . . . . . . . . . . . . . . . . . . . . . .Right at Home Jacob Thomas . . . . . . . . . . . . . . . . . . . . . . . . . . . . .C Spire Grady Wigginton . .Legal Shield - Wigginton & Associates June Wigginton . . .Legal Shield - Wigginton & Associates Jeff Williams . . . . . . . . . . . . . .Williams Transfer & Storage Josie Williams . . . . . . . . . . . . .Telesouth Communications

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PAGE 8

PAGE 9

UNITED FURNITURE

HONEYBAKED HAM

In celebration of its new showroom at the Tupelo Furniture Market, United Furniture held a ribbon cutting. The 17,000-square-foot showroom located in Building VI will feature its case goods line of chests, dressers, bookshelves, cabinets, chairs, tables and more. The company has more than 2,000 workers at its locations in Northeast Mississippi, which include two plants in Okolona and facilities in Amory, Hatley, Nettleton, Vardaman, Verona and Wren.

HoneyBaked Ham celebrated its new storefront location at 405 S Gloster St. in Tupelo with a ribbon cutting. Since 1957, HoneyBaked Ham has offered one-of-a-kind sandwiches using its premium HoneyBaked meats, the best breads, freshest ingredients and savory sauces. For more information, call (662) 844-4888 or visit honeybakedham.com.

“Serving North Mississippi Since 1949”

Residential • Commercial • Industrial

B&B CONCRETE CO., INC. 130 N. Industrial Rd. • Tupelo, MS 38802 842-6312 • Dispatch: 842-6313 • Fax: 842-6327 visit us at bbconcrete.com

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CHAMBER CONNECTION

SEPTEMBER 2015

CHAMBER CONNECTION

TFM BUYER’S AWARD

SEPTEMBER 2015

AMAZA VAPORS A ribbon cutting was held at Amaza Vapors in celebration of the grand opening of its second store. Located at 113 Town Creek Dr. in Saltillo, Amaza Vapors meets all of your electronic cigarette needs a vast selection of mods, e-liquids, and accessories.

Contact Amaza Vapors in Saltillo at (662) 346-4119 and Tupelo at (662) 205-4091 or online at amazavapors.com.

AMBASSADOR OF THE MONTH

Phil Herring, owner of Herring Furniture, recently accepted the National Buyer Appreciation Award at the Tupelo Furniture Market. Herring Furniture Company sells recliners, dining room suites and bedding from its nearly 28,000 square-foot showroom in Strong, Arkansas.

CDF ANNOUNCEMENTS HUNTER AYCOCK NAMED DIRECTOR OF BUSINESS DEVELOPMENT FOR CDF

Hunter Aycock was recently named Director of Business Development for the Community Development Foundation (CDF). In this capacity, Hunter specializes in the planning, organizing, monitoring, managing and evaluating of economic development project activities. He is directly involved in directing and implementing programs and projects that support industrial and eco-

nomic development, and the attraction of and assistance to domestic and international businesses to the Tupelo/Lee County. Hunter joined CDF five years ago and is a graduate of Mississippi State University with a Bachelor’s Degree in Business Administration.

of Lee County on a variety of planning, environmental and development related issues. He also works with the Council of Governments, a Countywide partnership of eight muGRANT MEYER nicipal govNAMED DIRECTOR ernments. Grant joined the OF COMMUNITY CDF team in 2012 and PLANNING FOR CDF holds a Master’s Degree in The Community DevelUrban Planning with a conopment Foundation recentration in Real Estate cently named Grant Meyer and Urban Development Director of Community from Harvard University.

Planning. Grant is a certiHe uses his experience to fied planner and GIS Speassist community developcialist with CDF’s Planning ment and to promote an Division and serves as a re- improved quality of life for source to the municipalities the residents of Lee County.

Christy Stewart, Client Services Manager with Franklin Collection Service, Inc., was awarded July Ambassador of the Month.

Christy participated in three events, volunteered two hours and mentored 10 CDF member businesses. Congratulations, Christy!

Join us for New Member Forum This "CDF 101" course provides the tools needed to kick-start your involvement in the CDF and business community. New CDF members and new employees of CDF members are invited to attend.

Tuesday, September 29 4:00 p.m.

398 E Main St., CDF Center CDF Boardroom

Bring your business cards, and come network with other CDF members.

This event is free for CDF members. Registration required at cdfms.org.

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PAGE 10

PAGE 11

SOUTHERN RENTAL AND SALES, LLC

FIVE GUYS

Southern Rental and Sales celebrated its grand opening at 1776 Cliff Gookin Blvd. in Tupelo with a ribbon cutting. Southern Rentals and Sales specializes in new, high-quality equipment rentals and sales for contractors, homeowners and DIY customers. For more information, contact Southern Rentals and Sales at (662) 2693045, online at southernrentalsandsales.com or on Facebook.

Five Guys celebrated its first anniversary in Tupelo with a ribbon cutting. Located at 3982 N Gloster St., Five Guys offers quality, never-frozen burgers, hand-cut fries and more in a fast-casual dining environment. For more information, visit fiveguys.com or call (662) 350-3808.

FMBank: Helping Dreams Come True

“If you don’t believe in yourself, it ain’t gonna work.”

– Greg Chambers, Patented Livestock Feeder Inventor and FMBank customer, featured with Brandon Nunley and Mark Tapp of FMBank

Download

FMB Mobiliti

www.fmbms.com

for your smartphone today!

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CHAMBER CONNECTION

SEPTEMBER 2015

PAGE 12 CHAMBER CONNECTION

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SEPTEMBER 2015

Technology FROM PAGE 2

business and retain the business we have,” she said. “We do offer the things many of the larger banks offer but still in the community bank realm.”

To stay on top of product development, BNA Bank will adopt Apply Pay in the future. But first, Kent said

Classes FROM PAGE 4

Highfield suggested building credit by getting a fully secured loan from a bank.

“You open a certificate of deposit for $1,000, or whatever amount,” he said.

“You use that certificate of deposit as collateral for a loan for the same amount.”

Because the growing trend of online shopping, millennials tend to have cost-effective purchases, but at some point and time, evidence suggests

there are ramifications that have to be worked out behind the scenes.

“It’s a lot of money to get Apple Pay,” she said. “There are a lot of considerations that have to go in to be able to offer it to our credit and debit card customers.”

Millennials weren’t the only demographic that demanded new technology, though.

“Some people have adjusted to new technology,

some haven’t,” she said.

“Some of the people that demand things like remote deposit capture and making deposits from their business are not millennials.”

Many of the customers are “business savvy” individuals that want the same kind of technology to make their business run more efficiently, she said.

they are spending more as a result, he said.

Tupelo High isn’t alone in teaching a personal finance class of some kind.

• In Lee County, Shannon High School, Mooreville High School and Saltillo High School offer personal finance class that earns students a halfcredit.

• Itawamba Agricultural High School has a personal finance class.

• Lafayette High School offers a resource management class • New Albany High School has business fundamentals, which includes

personal finance • Pontotoc High School has a personal finance class White said Tupelo High School knows its students are the future community, and administrators see the importance of teaching personal finance “In order to create a positive community and one that continues to grow, they have to invest in the education of the kids who are going to make the community eventually,” he said.

PAGE 13

You re Invited ’

zack.orsborn@journalinc.com Twitter: @thedaily_zack

zack.orsborn@journalinc.com Twitter: @thedaily_zack

Campaign Kickoff 5:00 PM THURSDAY SEPT. 10

119 North Main St • Amory (Miller’s on Main)

For more information call 662-825-2013

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BUSINESS JOURNAL

SEPTEMBER 2015

BUSINESS JOURNAL |

ITAWAMBA COUNTY

• Tecumseh Products Co. has agreed to a merger with an affiliate of Memphis-based Mueller Industries and private equity firm Atlas Holdings.

Mueller has a facility in Fulton, where it recently announced a $50 million to $60 million modernization plan to upgrade it.

Ann Arbor, Michiganbased Tecumseh built its Verona plant in 1975. The facility, which employ 415 people.

• Molly Loden was named executive director of Fulton’s newly formed chamber of commerce.

More than 20 people applied for the position.

Loden is a graduate of Itawamba Agricultural High School and as a B.A. in Southern Studies from the

University of Mississippi and an MBA from the University of North Alabama.

LEE COUNTY

• Cooper Tire & Rubber Co. is investing almost $2 million to expand its plant in Tupelo.

The project, to be complete by the end of the year, will add 14,000 square feet to the southeast side of the manufacturing facility on South Green Street.

The company is installing an auto-compounder, which automates the rubbermixing process. The addition at the plant will make room for the new equipment.

OKTIBBEHA COUNTY • Sitel, which provides

REGIONAL ROUNDUP

customer service workers for contracting clients, plans to add 500 jobs at its call center in Starkville.

The company, which has been in Starkville since 2000, said it is adding 400 full-time positions and 100 seasonal jobs. Company officials say the new hires are needed to handle technical calls for a “global leader” in the television industry and “national leader” in the insurance and benefits enrollment industry.

Sitel will have a job fair in Starkville in the coming weeks to look for workers.

SEPTEMBER 2015 |

• FXI in Baldwyn announced it would nearly double its workforce, adding 60 employees over the next few months. The company, which uses foam for a variety of industries, now employs 70 in Baldwyn. It is installing

new equipment.

TIPPAH COUNTY

• Korbella Restaurant & Atmosphere, located at 229 Cotton Gin Road in Ripley, held its ribbon-cutting ceremony and grand opening on Aug. 14. It is

owned by Perry Hatch.

• A ribbon-cutting and grand opening ceremony was held for Fiesta Grill Mexican Restaurant on Aug. 19 Fiesta Grill is located at 1709 City Ave. North in Ripley. Jorge Huerta is the owner.

WHERE A GREAT PERFORMANCE...

Is An Everyday Event!

Built in the heart of the Mid-South, the BancorpSouth Arena & Conference Center is designed to accommodate events that demand comfort, convenience, and flexibility.

PRENTISS COUNTY

• Crave North opened a location in Booneville. The Tupelo-based dessert cafe repurposed an existing building on 2nd Street.

375 East Main • Tupelo 841-6573 • 718-5555 fax www.bcsarena.com

Dr. Rayburn and Team

Dr. Lane N. Baxter

©JPC’15

For an appointment please call 662-840-0066

Dr. Brett Hildenbrand | Dr. Harry Rayburn | Dr. Michael Monroe | Dr. Lane Baxter 627/631 West Main St, Tupelo | www.mainstreetdentistrytupelo.com No representation is made that the quality of the dental services to be performed is greater than the quality of dental services performed by other dentists.

DR. BAXTER WITH HER FAMILY: HUSBAND BO, DAUGHTER KATE, AND BABY ANNA ARRIVING SOON.

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PAGE 14

F

Budgeting is easy if taken step by step

or these columns, I asked Dennis Seid what the topic of the issue is so that I can tie in what I write to the theme of the Business Journal. This month’s topic is personal finance and planning. And since school has started since the last issue, I’ll give this an education twist as well.

As a Boy Scout working on my Eagle Scout rank, one of the more difficult required merit badges for me was personal management.

I was not used to thinking in terms of personal finance and planning. At that point in my life, I had not taken Mrs. Bramlett’s Tupelo High School bookkeeping class and had not yet seen a balance sheet.

Then-banker Lewis Whitfield patiently counseled me on tracking my income and my expenses.

It was a challenge for me to take a weekly account of money I earned and had paid out, but it has paid big dividends for me in the long run. I enjoyed math, so I viewed budgeting as a math problem. I was good at algebra, and that worked for me well.

But let’s call “personal finance and planning” the nasty word we all know it by: budgeting.

Budgeting flows throughout the marketing process. To set a budget for a good or service, there are costs within the four P’s of marketing that have to be considered: fixed and variable costs (price and product); transportation costs (place); and sales, advertising and public relations costs (promotion).

The members of my Agency Management Institute group and I hear this a lot: “I TY know I ROBINSON need to advertise, but I do not have a budget.” That does not necessarily mean the person has no money.

What the person is really trying to say is, “I don’t know how to budget for advertising.”

“What’s the standard percentage of sales your clients use for advertising?” I wish there was a simple formula that worked for everyone, but there isn’t.

There are many variables in determining how to get the message to the customer. It first starts by defining the customer (who). Other things to be taken into consideration is finding the customer (where). There is the action that the customer to take (what). There is the timeliness of the actions that the client wants the customer to take (when).

There is the reason that the customer should take this action (why). And, then, there is the packaging and promotion to make all this work (how).

So I’ve just described budgeting in terms of an English or journalism class.

I’ve often described marketing as a science.

When I meet with a client for the first time, I ask a lot of questions. I need to

know as much about the business as possible. I do background research.

Using the information I have collected I come up with a recommendation of how to proceed and share it with the client. The plan is implemented, the data is analyzed and a conclusion is drawn. The client and I then discuss what worked and what didn’t.

Now the science teachers are happy that I’ve included the scientific method. Make no mistake - marketing is a science.

A few clients have a budget and want advice on how to spend their money effectively. Most clients have a comfort zone that they’re willing to spend, but they need to see in what direction it will be spent before they are comfortable moving forward. Using the information that I learn about my client’s business, I can aid in crafting a budget that will get to the client’s customers while using my experience with various media in getting the message to the right people in the right way to have them make the decision to become a customer.

A Scout told me once, “You make this sound so easy.”

With a lot of practice comes experience – that’s when it seems easy. Budgeting can seem like a challenge, but taking it piece by piece makes it easier to create and manage.

TY ROBINSON is president and COO of Robinson and Associates, a Tupelo-based marketing, advertising and public relations agency.

PAGE 15

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BUSINESS JOURNAL

SEPTEMBER 2015

BUSINESS JOURNAL

SEPTEMBER 2015

Business Directory A PA R T M E N T S

A PA R T M E N T S

Affordable Luxury Apartment Homes

Apartment Homes 1, 2, & 3 Bedrooms

1, 2 & 3 Bedroom

111 Grand Ole Oaks Drive Belden, MS 38826

MILITARY, LAW ENFORCEMENT, & FIREFIGHTER DISCOUNT Ask about our Military & Law Enforcement Discount

AUTOMOTIVE COMMERCIAL VEHICLES

Carey Wilson Manager

Call 662-891-5000

office: 662.823.1470 • fax: 662.823.1474 • cell:662.231.7508

3260 Hwy 145 N. • Tupelo, MS 38804

www.GrandOleOaks.com

BANK

BANK

Call Robin Barnett today!

662-841-8743 rbarnett@trustmark.com

Whether you’re hauling or delivering...Call

DWAYNE BLACKMON CHEVROLET for your commercial vehicle needs!

1410 SOUTH GLOSTER / TUPELO / 842-3611

BANK

Bank Of Okolona

Okolona Houston Banking Center P.O. Box 306 321 W. Madison St. Okolona, Mississippi 38860 Houston, Mississippi

(662) 447-5403

(662) 456-3347

Bank of Mantee 54 1st Street Mantee, Mississippi

(662) 456-5341

www.bankofokolona.com

BLINDS

B ATH R EMODELING

BANK

Bath Remodeling Shower Remodeling Tub-To-Shower Conversion Bathroom Accessories Handicap Accessible

“The Sign of Service” Baldwyn • Booneville • Marietta Mantachie • Mooreville • Tupelo

Your Financial Cornerstone.

www.bathfitter.com Give Us One Day… We’ll Give You A Beautiful New Bathroom!

FREE IN HOME ESTIMATE Licensed And Insured

662-205-8548

www.fmbms.com

2015 McCullough Blvd. • Tupelo, MS 38801

BUILDING SUPPLIES

BUILDING SUPPLIES

Rex & Diannah Coggins, Owners

Ph: (662) 365-7021

N H A R Fax: (662) 365-8902 Y DW & DW AR L E SUPPLY, INC. BA • Full Service • Hardware • Building Supplies • Plumbing • Hydraulic Hoses

• Electrical • Glass • Valspar Paints • Welding Supplies • Portable Carports

1187 North 4th St. • Baldwyn, MS 38824

C O L L I S I O N R E PA I R

Lumbe ville r Boone Company Full Line of Lumber, Hardware, Plumbing and Electrical Supplies 2300 E. Chambers Dr. • Booneville • 728-0094

Booneville Hardware & Supply 403 Church St. • Booneville • 728-0032 "For all your hardware needs"

24 Hour Wrecker Service

◆ Junior Burns - Cell 662-728-0524 ◆ David Denson - Cell 662-416-5591 100 W. Veterans Drive • Booneville, MS 38829

Phone 662-728-4459 • Fax (662) 728-4150

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PAGE 16

PAGE 17

Business Directory COMMERCIAL CLEANING SERVICES

COMMERCIAL PLUMBING

C ONCRETE

RH PLUMBING, INC. 224 Starlyn Ave. New Albany, MS 38652

662-534-4448

Commercial Plumbing, Gas & Industrial Piping RICHARD HANLON (662) 447-3213

P.O. BOX 417 Okolona, MS 38860

Thank you for choosing RH Plumbing. We appreciate your business

401 Elizabeth St. • Tupelo 662-842-7305

FURNITURE

FURNITURE

EMPLOYMENT OPPORTUNITIES

30,000 SQUARE FT. WAREHOUSE QUALITY PREOWNED OFFICE FURNITURE

589 N. Coley Rd. Tupelo, MS

www.careers.asurion.com Great Employment Opportunities

903 Varsity Dr. Tupelo, MS

Mon.-Fri. 9am - 5pm

Fine Furniture, Fabric, & Flooring

277 Community Dr. • Tupelo • 662.871.0568

G IFTS

GLASS & OVERHEAD DOORS

FURNITURE

formerly Okolona Drug Co. • Tab Boren Pottery

We’ve got all your

• Collegiate Items

home furnishings

• Hobo Purses

at affordable prices.

662-489-1176

• Ronaldo • Baby Gifts & More

7540 Veterans Hwy. West • Pontotoc, MS 38863

210 W. Main Street • Okolona, MS • (662)447-3711

I N S U L AT I O N

INSURANCE

Hancock Insurance Agency INSURANCE AND FINANCIAL SERVICES Member of the QCN Network. Saving You Money And Making You More Comfortable For Over 38 Years Residential & Commercial Insulation, Installation Blown-In Attic Insulation - Blown-in Wall Insulation - Batting www.nsul8or@att.net www.nsul8or.com

662-844-1306

3166 West Jackson, Tupelo, MS

ATV • Life • Health Annuities • RV • Automobile Motorcycle • Home Mobile Home Medicare Supplements

Scott Hancock

Allen Hancock

Monthly Rates Available

662-534-2661 720 W . Bankhead St. New Albany

www.whittingtonofficefurniture.com

Serving Tupelo for 3 Generations

24 Hour Emergency Service

Store Fronts • Mirrors Shower Doors • Garage Doors Commercial Doors Hollow Metal Doors

662-844-4540

“Serving Tupelo for 3 Generations”

711 ROBERT E. LEE DR. • TUPELO, MS

“Experience Is The Difference”

FAX:662-620-7754 KENNELS

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BUSINESS JOURNAL

SEPTEMBER 2015

BUSINESS JOURNAL

SEPTEMBER 2015

Business Directory LOCKSMITH

MILLER’S SAFE & LOCK SERVICE, INC.

MOVING

arber Printing, Inc.

NEW & USED SAFES

• Safes Serviced & Installed • Locks Installed • Locksets • Combinations Changed • Locks Rekeyed • Lost Keys Replaced • Master Key Systems • High Security Keys AUTO RESIDENTIAL COMMERCIAL

Call for a Free Estimate

Bronzie Morgan Relocation Specialist

662-842-1120

(662) 842-7720

1219 1⁄2 NELLE STREET • TUPELO

R E A L E S TAT E

PRINTING

PRINTING • GRAPHIC DESIGN • SIGNS BANNERS • BLACK & WHITE/COLOR COPIES

“The Morgan Family has been moving families like yours for over 50 years”

811 A Varsity Dr. • Tupelo, MS • 662.841.1584 8am - 4:30pm • goodimpressions@barberprinting.com

R E S TA U R A N T

R E S TA U R A N T

Party Trays for all Occasions!

Thinking of Selling Your Home or Property?

We Have Six Full-Time Agents Pontotoc Ridge Realty, Ltd. Who Call MOSSY OAK PROPERTIES OFFICE Pontotoc Home. ISEACH INDEPENDENTLY OWNED AND OPERATED

Call Us Today 662-489-2848

1101 W. Main • Tupelo 842-3774

R E S TA U R A N T

R ESTAURANT

at

• Drink Not Included • Kid's Menu Only

Tupelo • Tuesdays 3 - 9 pm • 495 S. Gloster • 680-3354 New Albany • Thursdays 5 - 9 pm • 534-2700 Corinth • Tuesdays 4 - 9 pm • 286-9007

ROOFING

R

R E TA I L

Alternatives to Cigarettes

• Max 2 FREE Kids with Adult Entree • 12 Years and Under

E EL

499 Gloster Creek Village, Tupelo, MS 38801 Phone: (662) 844-4888 Fax: (662) 844-3006

RO

INC.

• Pizza Spaghetti • Salad Bar • Sandwich • Pasta Special Every Thursday

365-7059

709 S 4th St. • Baldwyn, MS

Mon.-Thurs. 11-10 • Fri.-Sat. 11-11 • Sun. 12-10

TECHNOLOGY

OF

Ecigs, Mechanical Mods, Vapor Smokes, Tanks/Cartomizers, Ejuice, Blu, V2, Century 21 Ecigs

UNIFORMS

Achieve greater network per for mance with less.

ING

E H W “A Family Business Since 1946”

• Residential • Commercial • Industrial FREE Estimates LICENSED & INSURED

411 CLARK ST. TUPELO 844-4481

It's time to get more performance from your network with far less. As in less bandwidth utilization, fewer resources, and less cost.

ADVANCED RESEARCH & DEVELOPMENT FACILITY 1150 SOUTH GREEN ST • BUILDING 1, SUITE E • TUPELO,MS 662-821-2500 • www.circadence.com

Keeping Professional People Looking Professional 795 S. Gloster, Tupelo • (662) 844-4272 2316 Hwy. 45 N. Columbus • (662) 328-7777 1151 D. Frontage Rd. Oxford • (662) 513-0341

www.scrubsandco.com

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PAGE 18

SEPTEMBER 2015

BUSINESS JOURNAL

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PAGE 19

PAGE 20 BUSINESS JOURNAL

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SEPTEMBER 2015