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Buy Nearby’s Mobile Billboard

The Buy Nearby mascot van now sports large, colorful graphics to drive home the campaign’s message. Page 3


Mole Hole of Marshall Thriving

Consistently good marketing, creativity and customer service enable this small-town gift store to draw customers from larger markets. Page 5


It’s the Law

A gap in banking law means businesses do not have the same online protection as individuals. Here’s how to protect your business. Page 9

® June 2016 Vol. 41 No. 3

Learning retail lessons from airlines’ automated check-in of customers by Lee Peterson Reprinted with permission In 2004 more than 80 percent of airline passengers walked up to the ticket counter and talked to an actual human being before boarding a plane, according to the International Air Transportation Association. Although the industry had been experimenting with self-check-in, such as kiosks, and smart phone check-in since the late 1990s, less than onefifth of passengers used such options only a little over a decade ago. Fast-forward to today, and the diminishment of human contact with customers because of automation within an industry notorious for bad customer service has been staggering. Only about 20 percent of passengers are checked-in by a human agent today, according to some industry estimates. The rest, or about 80 percent of airline passengers, use some form of self-service check-in. In other words, the ratio of automation to human check-in agents has been completely flipped. This massive shift in process is not without its upsides. It has likely saved the airlines millions in labor costs. (One study estimates it costs the airlines $3.86 to check-in a passenger with a service employee, opposed to $0.16 with the use of self-service kiosks.) It has also led to a significant reduction in personal contact between employees and customers, making this unprecedented experiment in large-scale automation an important case study for retailers, on the verge of ushering in a similar revolution in check-out. Continued on page 8

The official publication of Michigan Retailers Association

Senate supporting ‘choice’ on bags The Michigan Senate is siding with retailers’ and customers’ freedom to choose the types of customer shopping bags and other containers they use. The Senate on May 10 approved Senate Bill 853 to prevent local gov-

ernments from prohibiting or taxing the use of plastic bags and other types of containers. The measure was approved on a 25-12 vote. “Preventing local governments

from banning or taxing certain types of bags and containers does two important things,” said MRA’s James P. Hallan, president and CEO. “It preserves retailer and consumer choice and it prevents a confusing and costly hodge-podge of regulations on businesses across the state.” The measure is currently before the House Commerce and Trade Committee. “We applaud the action of the Senate and urge the House to follow its lead,” said Hallan. Containers The legislation would prevent a county, city, township or village from adopting ordinances banning the use, sale, or requiring a fee on certain types of containers designed for Continued on page 7

Bill would discourage assessment appeals

drinking water has made it tough for businesses to survive. Hoping to create a neighborhood gathering place, partners Luke Leffel and Chris Szumowicz decided to go full steam ahead with their coffee shop startup, which opened in February. Fledgling businesses face long odds under normal circumstances. They’re far longer for Flint establishments battling public fears that their goods may not be safe because of the water. “It’s one of those situations where you don’t know what to do,” Szumowicz said about opening the business. “Going ahead was almost like our try to do something good.” The shopowners’ faith and positive actions also reflect the

What good is a property tax assessment appeal process if it’s too costly for most businesses to mount an appeal? That’s what Michigan Retailers is asking in the wake of action by the House Tax Policy Committee to change how the Michigan Tax Tribunal considers assessment appeals. “We’re disappointed that lawmakers failed to take into consideration the concerns expressed by taxpayers and went ahead and reported out a deeply flawed bill that would turn the appeals process on its head and drive up taxes,” said Amy Drumm, MRA director of government affairs. “House Bill 5578’s changes to the Michigan Tax Tribunal Act are nothing less than a backhanded attempt to increase taxes by discouraging taxpayers from challenging the value placed on their property by local government.” The committee approved HB 5578 on May 18 and sent it to the full House for consideration. House leaders have not indicated whether the measure will come up for a vote.

Continued on page 6

Continued on page 10

Entrepreneurs Luke Leffel (left) and Chris Szumowicz opened a coffee shop in Flint to “try to do something good” for the hard-hit city. Photo by Patrick Kerwin

Flint businesses working to put lead crisis in past by Doug Henze

On a sunny, mid-May afternoon, customers stream in and out of Wildroot Coffee. Clutching cups and baked goods, some head immediately back to their cars. Others study or talk while background music plays over the shop’s speakers. It could be a coffee shop scene anywhere in America. But this one’s in Flint, where the long shadow cast by lead in the city’s


Michigan Retailer

Businesses pay their fair share

Board of Directors: Dan Marshall

Chair Marshall Music Company, Lansing

James P. Hallan

by James P. Hallan, MRA President and Chief Executive Officer Musings as we move into summer … Taxes In the past few weeks, several newspapers have slammed the business community with articles that businesses don’t pay their fair share of taxes. I beg to disagree. A new study researched and authored by respected economist Patrick Anderson, of East Lansingbased Anderson Economic Group, reported that in 2014 Michigan businesses paid over $14 billion in state and local taxes. Property taxes accounted for about half of all taxes, while sales tax and unemployment insurance taxes added up to another 30 percent of taxes paid. Six percent came from the corporate income tax. $14 billion is a lot of money. But at the same time, we’re improving our competitive position as a state. According to Anderson, Michigan ranked 32nd out of 50 states in business tax burden in 2011. By 2014 our position had improved to 20th. The bottom line is that we’re paying our fair share while making Michigan more competitive. Dental Rates Many of you know that MRA works closely with Delta Dental in establishing our small-group dental insurance rates, and we have good news to report. Our rates are going down for 2017, from 6 to 20 percent for many policyholders, due to our excellent experience. MRA’s dental program, which is under the umbrella of our Retailers Insurance Company, includes access to the Delta Dental provider network and utilizes Delta’s claims management system. If you would like a quote, please contact MRA’s Ally Nemetz at 800.366.3699. Good dental health helps reduce many serious health problems, including heart disease. Loss of a Leader Having worked for many years with Jan Hayhow during her service on the MRA Board of Directors, including her tenure as chair in 1999 and 2000, I was deeply saddened by news of her death from cancer on May 8. She was a wonderful person and an excellent, involved leader who distinguished herself not only with MRA but also working in the Michigan Department of Commerce (Say Yes to

Michigan!) and then as a retailer operating the cutting-edge and always clever Michigania gift shop in Lansing. Jan loved her family, her state and MRA, and we all benefited from her work and her personality. Wooden Shoes While unable to march in the annual Holland Tulip Time scrubbing of the streets, I was presented with a pair of real wooden shoes that proudly displays the MRA logo. My hope is to clomp and advertise at next year’s festival. Buy Nearby MRA is employing four ambitious interns this summer to help spread the word about our fast-growing Buy Nearby program. Perhaps you will see them in a local festival along with the big, blue Buy Nearby Guy mascot. Or take a look a Mieras Family Shoes’ seven billboards scattered around Grand Rapids. Mieras has incorporated the Buy Nearby logo into its advertising signs. Use of the logo is easy – just let us know. Send us an email or give us a call. You can download a logo from

the website. Plastic Bags The governmental reach is always curious. Several local units of governments are considering reaching farther to ban plastic bags. Of course, local initiatives are cumbersome for retailers that operate in several municipalities. That’s why MRA is supporting legislation that would pre-empt locals from adopting such bans. Clicks and Trivia Last month Michigan Retailers processed over one million credit card, debit card and ACH transactions. That’s a lot of clicks and, even better, sales by our members! Finally, since this is the year of presidential politics, I end my musings with two trivia questions. Only one person has served as both president and chief justice of the Supreme Court. And only one person has served as both president and speaker of the house. If you guessed William Howard Taft from Ohio and James Polk from Tennessee, you are correct.

Joyce designated as Retail Champion Jeff Joyce, Retailers Insur- Jeff Joyce and his wife, Doreen, at the America’s ance Company board chair Retail Champions event in Washington, D.C. and co-owner of Mieras Family Shoes in Grand Rapids, has been named one of America’s Retail Champions by the National Retail Federation. The champions program recognizes small retailers from across the country for their advocacy on behalf of the retail industry. The recognition took place at NRF’s annual Retail Advocates Summit, which brings local retailers to Washington, D.C. to thank them for their efforts and to meet with members of Congress on a variety of public policy issues. More than 100 retailers, ranging from small and mid-size store owners to online sellers, were invited to participate, based on their engagement in public policy discussions on issues ranging from patent reform and Continued on page 7

President and CEO Michigan Retailers Association

Orin Mazzoni, Jr.

Vice Chair Orin Jewelers, Garden City

Peter R. Sobelton Treasurer Birmingham

William J. Hallan

Secretary Michigan Retailers Association

Thomas Ungrodt

Past Chair Ideation, Ann Arbor

Brian Ducharme AT&T Mobility

Becky Beauchine Kulka

Becky Beauchine Kulka Diamonds and Fine Jewelry, Okemos

Joseph McCurry

Credit Card Group

Larry Mullins

Brandon Tire & Auto Service Center, Ortonville

R.D. (Dan) Musser III

Grand Hotel, Mackinac Island

Barb Stein

Great Northern Trading Co., Rockford

Joe Swanson Target Corp.

James Walsh

Meijer, Inc., Grand Rapids

D. Larry Sherman

Board Member Emeritus

Michigan Retailers Services, Inc. Board of Directors: Bo Brines Little Forks Outfitters, Midland

Bill Golden

Golden Shoes, Traverse City

Emily Matthews

Potent Potables Project, Lansing

James P. Hallan Thomas B. Scott Publisher


Pat Kerwin

Design Manager

Publication Office: 603 South Washington Avenue Lansing, MI 48933 517.372.5656 or 800.366.3699 Fax: 517.372.1303


Michigan Retailer (USPS 345-780, ISSN 0889-0439) is published in February, April, June, August, October and December for $20 per year by Michigan Retailers Association, 603 South Washington Ave., Lansing, MI 48933. Subscription fees are automatically included in the Michigan Retailers Asociation membership dues. Periodical postage paid at Lansing, Michigan. POSTMASTER: Send address changes to 603 South Washington Ave., Lansing, MI 48933. The Michigan Retailer may be recycled with other white office paper.

June 2016



Sales, forecasts positive for first month of spring results create a seasonally adjusted performance index of 66.0, up from 53.3 in March. A year ago April the performance index stood at 57.6. The 100-point index gauges the performance of the state’s overall retail industry, based on monthly surveys conducted by MRA and the Federal Reserve Bank of Chicago’s Detroit branch. Index values above 50 generally indicate positive ac-


Performance Index

tivity; the higher the number, the stronger the activity. Looking forward, 76 percent of retailers expect sales during May-July to increase over the same period last year, while 8 percent project a decrease and 16 percent no change. That puts the seasonally adjusted outlook index at 80.1, up from 73.2 in March. A year ago April the outlook index stood at 74.7.


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State sales tax collections totaled $593.3 million in April, up from $561 million in March and $573.6 million a year ago April. Complete results of this month’s Michigan Retail Index—including data on sales, inventory, prices, promotions and hiring—are available at www. The website includes figures dating back to July 1994.

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Outlook Index


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700 600 563 561

500 400



513 468

























Michigan retailers’ sales and forecasts rose during the first full month of spring, according to the latest Michigan Retail Index survey, a joint project of Michigan Retailers Association (MRA) and the Federal Reserve Bank of Chicago. Sales performance in April jumped more than 12 points from the previous month, the largest increase in nearly a year on the 100-point index. Sales forecasts climbed nearly seven points to reach the highest level in nearly three years. “A surge in consumer confidence combined with employment gains helped improve consumer spending throughout the state,” said MRA President and CEO James P. Hallan. “Retailers expect the momentum to continue throughout the spring.” Across the U.S., retail sales excluding autos and gasoline climbed a s t ro n g e r t h a n e x p e c t e d 0 . 9 percent, according to the U.S. Commerce Department. The April Michigan Retail Index survey found 60 percent of Michigan retailers increased sales over the same month last year, while 25 percent recorded declines and 15 percent reported no change. The

Seasonally adjusted diffusion index, calculated by adding the percent of respondents indicating increased sales and half the percent indicating no change, and then seasonally adjusting the result using the U.S. Census Bureau’s X-11 Seasonal Adjustment procedure. Index values above 50 generally indicate an increase in activity, while values below 50 indicate a decrease.

200 (millions)




Be sure to complete your online survey each month!

Colorful van graphics draw attention to message Buy Nearby has put its message on wheels. The Buy Nearby van is now decked out in large, colorful graphics. It serves as a mobile billboard for the MRA campaign encouraging shoppers to support their local communities and Michigan’s economy.

The graphics include the Buy Nearby Guy mascot, a shopping bag and the words “Thanks for Buying Nearby!” and “Keep Your Money in the Mitten.” The MRA, Buy Nearby and Pure Michigan logos also are prominent, as is the website address. Buy Nearby Guy, along with students and faculty from Bath High School and representatives from Fuel Up to Play 60 and the United Dairy Industry of Michigan, proudly display the $7,480 they raised during the school’s “Fuel for Flint” fundraiser to provide Flint families with calcium-rich milk.

The van delivers the message to those it passes on the way to community visits by Buy Nearby Guy, as well as to folks at the events. The van often follows behind the mascot during a parade to repeat and give greater emphasis to the mascot’s message. The mascot plans to make more than 75 visits this year and rack up thousands more miles across the state. He had made 19 visits through the end of May, many of them before the graphics were added to the van. Continued on page 9

Buy Nearby Guy encourages visitors at the Great Lakes Kite Festival in Grand Haven to keep their money in Michigan by buying nearby.

The Buy Nearby van acts as a mobile billboard.

Enthusiastic shoppers at the Farmers Market inside Cambridge Junction Historic State Park in Brooklyn show off their love for Michigan and Michigan-made products at Walker Tavern Historic Site.


Michigan Retailer

2 0 1 6

MRA Legislative Reception Sponsored by Michigan’s retail industry MRA’s annual legislative reception in Lansing took place April 26 and drew a large crowd. Nearly 100 legislators, retailers and legislative staffers attended. The annual event helps state officials learn more about the importance of retail to the state’s economy and how specific legislative issues affect retailers’ success and ability to maintain and create jobs. Sponsors included: Amway, AutoZone, Capitol Strategies Group, Dykema, Genoa a QoL healthcare company, Kroger, Meijer, Michigan Nursery and Landscape Association, National Association of Chain Drug Stores, National Retail Federation, Retail Industry Leaders Association, Target, Walgreens and Walmart. Photos by David Trumpie

Rep. Phil Potvin (R-Cadillac) and MRA President and CEO James P. Hallan

Doug Mains of Dykema law firm, Rep Joel Johnson (R-Clare)

MRA Director of Government Affairs Amy Drumm, Sen. Wayne Schmidt (R-Traverse City), Rachel Hurst of Kroger

Matt Golden of House Speaker Kevin Cotter’s office, Jeff Wiggins of House Republican Policy Office, Lindsay Vogelsberg and Gideon D’Assandro of Speaker Cotter’s office Eric Rule of Capitol Strategies Group, Frank Julian of Macy’s, Orin Mazzoni, Jr. of Orin Jewelers in Garden City

Rep. Andy Schor (D-Lansing), MRA Executive Vice President, Chief Operating Officer and General Counsel William J. Hallan, Rep. Frank Liberati (D-Allen Park)

Andrew Martin of Meijer, Rep. Brandt Iden (R-Kalamazoo)

MRA board member Brian Ducharme of AT&T Mobility, MRA Executive Vice President, Chief Operating Officer and General Counsel William J. Hallan, MRA board member Bill Golden of Golden Shoes in Traverse City

June 2016


Mole Hole of Marshall a thriving survivor by Doug Henze

When Penny and Mike Kinter opened their Mole Hole of Marshall gift and home decor store in the mid1970s, they tasked themselves with an important – albeit unusual – mission: track down and bring back the town pipe organ. A favorite of locals when it echoed through the Garden Theater in Marshall from 1927 until the 1960s, the organ had traveled to a private buyer in Albion and then to a Tekonsha antiques dealer after the theater closed. “They were ready to sell it when we found it,” said Kinter, who opened the store in 1977 after the couple moved to Marshall from the Detroit area. “We wanted to bring it back, because … it was a piece of Marshall history.” And it was a great draw. “A lot of people over the years remembered hearing that organ in the theater,” Kinter said. “It’s a good marketing tool. It brings people into the store.” Fast forward nearly 40 years and one generation, and the Mole Hole of Marshall, which sells everything from jewelry and handbags to greeting cards and garden items, still is embracing clever marketing to “bring ’em in.” Kristin Holbrook, who purchased the store from her parents three years ago, sends out event fliers letting customers know when Lansing organist Scott Smith will be in the store to play. When he’s not there, customers can request a playback at the store – a feature, much like on a player piano, added to the organ after a 1987 fire required restoration of the instrument and the store. Constant Marketing The organ is only one piece of the Mole Hole marketing plan. On a regular basis throughout the year, Holbrook reaches out to customers via direct mail, email and social media with promotional material advertising store events. In January, customers get a postcard announcing the annual inventory clearance sale. During the spring, Holbrook sends out a tri-fold, complete with coupons, that highlights the new spring items. There’s also a fashion postcard and notifications of both the annual anniversary sale and the yearly open house. “We do a girls night out five times a year in Marshall,” Holbrook said. “We send out a postcard probably two of those times – July or August and October.” During Thanksgiving weekend, 10,000 people receive a flier, circulated by newspaper, announcing store door busters. Mole Hole also puts out two full-

color catalogs in November detailing the year’s hottest gifts. In addition to direct mail, Holbrook peppers customers with attractive

about 7,000 people,” Kinter said. Of course, much of the business comes from local, repeat shoppers – sometimes across several generations. “They’ve been loyal customers,” Holbrook said. “If their kids are around, they’ll come in – ‘Oh, my mom used to bring me in.’” The store targets a mainly female demographic, with a wide age range of 35 to 85. “We’re still trying to get that younger customer base,” Holbrook said. “The clothing helps with that.” She was referring to the fashion section she added when she took over the store. Items generally range from $19.99 to $100, to target the age 30 to 50 crowd. The clothing collection is housed in a storefront connected to the Mole Hole. That space formerly was known as Mr. Mole’s Card Shop, but Holbrook renamed it The Wind in the WilOwner Kristin Holbrook. Photos by David Trumpie lows – recognizing the email notices of all the special events, children’s book featuring the mole sales and much more – including discharacter. counts on their birthday, Buy Nearby The store, which started with a specials and a 12 Days of Christmas single clothing line, has become a campaign. customer favorite, Holbrook said. “I use SnapRetail for my email marketing,” Holbrook said. “It provides lots of templates for both email and social media and offers great webinars on marketing.” Next up, she said, is to start using Instagram to reach a broader audience and to do more with her Pinterest account. E-commerce is also on her horizon. Holbrook, who has worked in the store since her early 20s, says she’s been pleased with the results of her promotional efforts. “I think it all works very well. We’ve been doing a lot of marketing for years.” Beyond Marshall All the promotion stems from the need for the business to survive with limited immediate traffic. While its core business comes from a 50-mile radius, Mole Hole of Marshall – situated near the cross of interstates 94 and 69 – draws customers from the Chicago area and throughout Michigan. “We market it to a broader base, because Marshall is a small town of

The pipe organ that was played at Marshall’s Garden Theater from 1927 to the 1960s is a draw for the store.

“We gradually have added more and more,” Holbrook said. “It’s just taken off.” It’s the latest evolution of the business the Kinters started as a single

store in a 1,200-square-foot space. Two years after opening, they converted 800 square feet of unused, two-story space behind the store into a year-round Christmas shop. “We ended up buying the building next to us probably six or seven years after that,” Kinter recalled. The Kinters used that 1,000-square-foot space as the paper goods store until its conversion to the clothing shop. Then last year, after the downtown’s toy store closed, Holbrook brought in more toys and games and gave up half of the Christmas shop’s downstairs to make a toy store. She says she’s still working on a name for it. Survivor Originally a franchise, the Mole Hole of Marshall became an independent about eight years ago, when franchisor Jack Harris cut the stores loose. It is one of only two Mole Hole stores remaining in Michigan, the state where the once popular national gift store chain began. Today, the Marshall store is growing. “We just added two people this year,” said Holbrook, who operates the store with a staff of 10. Revenue is up about 9 percent from a year ago, said Kinter, who does the store’s bookkeeping. In her mind, the store’s success comes down to two things: keeping the product fresh and having good customer service. Customer service includes free gift wrapping and a rewards program that provides a $20 reward on the customer’s next $20 or more purchase when the customer reaches $250 in purchases. “Customers are so happy when we tell them they’ve earned their $20 reward. And it’s a great incentive for customers to give us their contact information,” Holbrook said. If the store is out of an item and plans to order more, it will ship the item to the customer when it comes in. Or if a customer calls and decides she wants to buy an item after leaving the store, the store will ship it. “My staff is really good at helping customers find the right thing,” Holbrook said, adding that she does more special ordering than she used to. “If I can get it for customers, I will, so they don’t have to go somewhere else or go online. “I like seeing the customers come in and find something. I’m always hoping they’re going to be excited about the new products, and usually they are.” Doug Henze is a freelance writer and former business reporter for the Oakland Press in Pontiac.


Michigan Retailer

Flint businesses working to put lead crisis in the past Continued from page 1

water crisis bring drastic changes. coil from the inside.” Moving Forward “Business is fading,” Lee said. “A Hall, who purchased a filtration sysTo try to minimize the impact lot of days, there are no customers. tem, was considering buying a larger on businesses, local leaders have Sometimes, it makes me wonder: How one when the city announced it was launched a number of initiatives. much longer will I be in business?” switching back to Detroit water. “We have a fund called Moving Potential new customers get right “As soon as they switched back, we Flint Forward,” Wilkinson said. Busito the point when they call the studio, stopped having problems,” he said, nesses that can demonstrate financial Customers’ Concerns Lee said. estimating that the water crisis cost losses can qualify for grants of $5,000 Flint made national news when “They say, ‘Y’all got that Flint wahim at least $10,000. to $10,000, which the Chamber will state-appointed emergency managers ter?’” Lee said. “We distribute through the switched the cash-poor city’s water say, ‘Yes.’ – you can’t summer. source from the Detroit system to the lie. Then they might “We have received Flint River. The river water and higher hang up.” over 300 applications,” chlorine levels used to kill river bacLee says he hasn’t Wilkinson said. teria corroded older water pipes, kept count of how Huntington Bank and exposing residents and business pamany customers have FlintNOW, a private sectrons to dangerous lead levels. stopped coming. tor initiative by Detroit The city switched back to Detroit “We’ve just been Pistons owner Tom Gores, water, but lead pipes must be restruggling trying to are supporting the grants placed. Meantime, surviving as a stay in business, trywith a $1 million donaretail business in Flint means installing to keep the bills tion, said Elaine Redd, ing expensive filtration systems or paid,” he said. He director of communicahauling in bottled water. said he thinks about tions for the Chamber. Faced with purchasing a filtration moving, but he’s The Chamber is accepting system costing as much as $5,000, 68 and worries he other donations. Wildroot cut a bulk supply deal with the couldn’t sell his shop. In addition, the Crim local Lowe’s for five-gallon jugs of puriSo he presses on, F it ne ss F ou nd at io n, fied Primo bottled water, Leffel said. hauling in bottled Matthew Hall’s company experienced problems with the quality of the water which has sponsored The coffee shop has built a base of water from the “hy- before it became a major public issue. Photo by Patrick Kerwin a major running race regular customers, but new patrons dration stations” set through the city for 40 still ask about the water two to three up around the city to help businesses Hall, who lives in another commuyears, is adding a “virtual race” to this times a week. and residents. nity, said he knows other businesses year’s Aug. 27 event, said Christina “There are people who are nervous “I’ve got bottled water sitting every– and especially residents living with Ferris, development director for the about going downtown, nervous where,” Lee said. “You walk through the crisis 24/7 – have had it worse. Foundation. People who can’t physiabout drinking water,” he said. “If anythe back of my place and I almost “We don’t have to deal with it the way cally participate can make a donation. body has a question, we’re happy to look like a hoarder.” they do,” he said. “I feel fortunate we Participants’ donations will support show them the pump system.” The frustrating part, Lee said, is that were able to keep on chugging along.” the foundation’s physical activity, Leffel and Szumowicz, who keep no quick resolution seems in sight. nutrition and mindfulness programs the business afloat by working other “This has changed our whole way of Economic Impact – tools in mitigating the effects of lead living,” Lee said. “We’re prayThe crisis has been a both a public exposure. Those who donate $50 will ing and taking it day by day.” health concern and an economic careceive an “I Crim for Flint” t-shirt. But, he adds, “I’m going to lamity, said George Wilkinson, group The foundation wants to post on fight. I’m a fighter. I’m going vice president of the Flint & Genesee social media “selfies” of people wearto stay in business.” Chamber of Commerce. ing the shirts. Business leaders now are trying to “We’re really trying to demonstrate Others Affected assess the economic damage, Wilkinhow much support there is around Matthew Hall isn’t serving son said. He noted, for example, that the country and the world, so people drinks or making lather, so even enrollment at the area’s higher here feel supported,” Ferris said. lead levels are less of a coneducation incern for his business. stitutions has Changing Perceptions But high chlorine content declined since The community also is working to in the water caused Premier the crisis hit. change the public perception of the Bottled water available at “hydration stations” has Powder Coating’s product “There is city in light of the water crisis. been a staple for Flint residents. quality to nosedive for a bit, an economic “We’re looking at things from an jobs and limiting the shop’s hours, get he said. The company applies a proimpact study attraction, retention perspective,” nervous, too. They worry the water sittective coating to metal, ranging from that is being Wilkinson said, adding that the comuation has held back business growth. gymnastics equipment to car and RV developed by munity wants to retain investors. “It’s a really tough thing to figure parts. an economic In mid-June, a group of CEO’s and out how we’re going to bounce back In 2014 the company noticed coatdevelopment other leaders from around the state George Wilkinson from it,” he said of Flint’s business ings were flaking off surfaces they task force,” is scheduled to converge on Flint to community. “But I’m pretty hopeful were supposed to stick to. Wilkinson said, adding that the bring ideas to move Flint in a positive for this town and this community. “We were getting a lot of rejects,” results are expected by the end direction, Wilkinson said. We just need to keep plugging away.” Hall recalled. “It was thousands of of June. Wilkinson said he can’t predict dollars. You had complete batches Not all of the damage is measurhow long it will take to turn the city Collateral Damage that were coming back to you. It went able, he noted, because the effects around, only that it will happen. Food establishments, along with on for months.” are widespread. “Flint is resilient – it will stand the residents, are on the front lines of About the same time, company “You have businesses that are trytest of time,” he said. the water crisis. They’re not the only power washers began to fail. ing to attract new talent to the area,” “Flint is open for business.” ones facing it. “I purchased a $6,000 power washWilkinson said. “We can’t put a cost Joe Lee, who has operated Joe er and within a week it was shooting on it. Yes, it’s hitting businesses on Doug Henze is a freelance writer and Lee’s Hair Styling Studio in the same out rusty water. It smelled real heavy a day-to-day basis, but there’s also a former business reporter for the Oaklocation for 30 years, has watched the of chlorine. It was eating the heating long-term impact, as well.” land Press in Pontiac. comeback attitude that community and business leaders are trying to build as the city works to put the water crisis behind it. Adds Leffel, “This town needs to move forward.”

June 2016



EMV world’s growing pains signal evolutionary change John Mayleben CPP, is MRA senior vice president technology and new product development and a national expert on electronic payment processing. He is the first person in Michigan and among the first in the nation to receive the Certified Payments Professional designation from the national Electronic Transactions Association. Much like any living creature or institution, the p a y m e n t c a rd industry is going through a significant evolutionary change in its conversion from mag stripe to EMV chip and contactless cards. As with the theory of evolution in the animal and plant worlds, there will always be changes that are born and then die off because they didn’t “work” in the real world. We are seeing this happening within the payment space today. As more and more consumers use their EMV cards and more and more retailers accept those cards, processes and systems that were developed in the sterile environment of an R&D lab don’t always mesh with the realities of daily use. One of the places where we are seeing this is with the “speed” of the chip transaction. In response to some of the pushback from high-volume, high-speed retailers (think fast food drive thru), the card networks have announced the development of a new, faster chip. As these make their way into the marketplace over the next few years, primarily as new cards are re-issued prior to expiration of current ones, we will see faster communication times and, therefore, a faster customer experience. Another change in the world of EMV is the user experience with a waiter or waitress at a restaurant. The old process of signing and adding a tip, then leaving and having the tip added at a later time, was not going to work based

on the design of the EMV process. Responding to pushback from restaurant owners, the card brands have developed a new set of rules that allow the processor to handle a chip card gratuity the same way it was done before. More Changes All of these changes, and more that will be coming, are part of the growing process that we, as an industry, must go through. Thirty years ago, when we made the leap from imprinter to electronic processing, we had many of the same types of bumps and bruises. It’s called evolution. On a slightly different note, but another big change nonetheless, MasterCard has announced it will begin issuing cards that start with a “2” instead of a “5” this October. If you have upgraded your terminal to an EMV-ready device, there will be nothing you have to do to accept these new card number ranges. But if you haven’t upgraded, please call us to discuss the options that are appropriate based on your specific terminals. The majority of older ones will not be able to be reprogrammed and must be replaced. If you use a website to handle your transactions, you need to make sure that all of the logic you have in place to facilitate the transactions will allow a “2” as the start of a card number. You will need to work with your web development people to ensure that cardholders will be able to shop on your website after October 2016. As always, if you have any questions about any of these issues or any other issues please don’t hesitate to contact any of our customer service team members.

Joyce designated as Retail Champion Continued from page 2

online sales tax to data security and workforce issues. Joyce also was named one of five finalists for the top award of America’s Retail Champion of the Year, which went to a ranch supply retailer in South Dakota. “Jeff’s award is well deserved,” said MRA’s James P. Hallan, president and CEO. “He is a leader in letting our public officials know how their actions directly affect retailers’ ability to keep people employed and to cre-

ate new jobs in their communities.” “The fact that scores of small retailers have taken crucial time away from running their businesses to come to Washington speaks volumes about how important public policy issues are to Main Street merchants,” NRF President and CEO Matthew Shay said. Barb Stein, a Michigan Retailers Association board member and owner of Great Northern Trading Co., in Rockford, was part of the 2015 class of retail champions.

Senate supporting ‘choice’ on bags

Continued from page 1

transporting, consuming or protecting merchandise, food or beverages. Those containers are defined as a bag, cup, bottle or other packaging, whether reusable or single-use, that is made of cloth, paper, plastic, cardboard, corrugated material, aluminum, glass, postconsumer recycled material, or similar material. The measure was introduced on March 15 by Sen. Jim Stamas (RMidland) and referred to the Senate Commerce Committee. The panel sent it to the full Senate on April 27. Stamas said he wanted the legislature to take a proactive approach on the issue. No Michigan community had imposed a ban or fee on plastic bags or other containers when the bill was introduced, although at least two counties – Muskegon and Washtenaw – are considering local ordinances. SB 853 follows the lead of other states, including Wisconsin and Indiana in the Great Lakes region, that have taken action to prevent a patchwork of local rules on containers, rules that place a burden on retailers and consumers. Ineffective Local bans on plastic bags or other containers have not been effective in curbing littering or reducing pollu-

tion, said Amy Drumm, MRA director of government affairs. “Among the numerous plastic bag/ container ordinances that have popped up across the country in recent years, few have been successful in changing consumer behavior,” she said. “Outright bans on single-use plastic bags have often pushed retailers to switch to using thicker plastic bags or paper bags. Both thicker plastic bags and paper bags are more expensive for retailers, require more energy and water to produce and emit more global warming gasses and more acid rain emissions. “The result is more solid waste than is caused by single-use plastic bags.” In addition, retailers support efforts to promote recycling and reduce bag litter and have adopted policies to encourage consumers to make choices to protect the environment. “Our members voluntarily offer bins to collect used plastic bags for recycling, near store entrances, and sell reusable bags at or near cost, near the point of sale,” she said. “Grocers train employees to efficiently fill bags, due to their costs, and to ask customers if they need a bag for larger items. “These recycling efforts mirror a national trend of increased plastic bag and film recovery over the last decade.”


Michigan Retailer

Learning retail lessons from airlines’ automated check-in of customers Continued from page 1

Outlook for Cashiers In 2014 there were nearly three and a half million people employed as cashiers in the U.S., who earned a median annual income of about $19,000, according to the Bureau of Labor Statistics. But job growth is hitting the skids and will be slower than any other profession through 2024. As retailers scramble in an overstored environment and face unprecedented pressure on margins, they are increasingly looking to automation technologies to not only cut labor costs, but also to cut wait times for customers. What can retailers learn from the pace of adoption of self-check-in within the airline industry? What lessons can be gleaned from the airline industry as retailers usher in this new era of check-out inside stores?

viable strategy for airlines to establish loyalty with airline passengers. Just as the frequent-flyer programs long offered by airlines served as a bulwark against margin erosion, mobile check-out can work the same way in the retail environment, according to a recent study on Omnichannel Retailing published in the MIT Sloan Management Review. “Another way for retailers to create switching costs is to establish privileges and perks for loyal consumers, such as express or mobile check-out, as airlines have done with boarding and booking privileges,” the authors wrote.

Lesson 1: Experiment and test new technologies, but recognize integration throughout a company’s entire footprint will not come easy, and will likely take years to reach scale.

Lesson 3: Automation isn’t incompatible with high customer service rankings. It’s not a coincidence that the first airline to establish web check-in was Alaska Airlines, which has been ranked highest in customer satisfaction in the traditional carrier segment for eight years in a row, according to J.D. Power and Associates, proving automation and customer satisfaction can go hand in hand.

Lesson 2: It’s about more than shortening lines and reducing wait times; self-check-in has served as a

Lesson 4: The adoption of selfcheck-in technologies does not eliminate the need for human-driven

interactions with customers inside stores. Although the adoption of selfcheck-in has been rapid, it has not been complete, even if airlines have decreased staffing levels over the last decade. Despite self-check-in now dominating the consumer experience inside airport terminals, the airlines have not been able to completely eliminate human agents – and still actively staff kiosks with roving agents to help customers use selfservice kiosks.

There will always be consumer segments slow to change and uncomfortable with a purely automated process. That applies to retail, too.

If a retailer goes to total mobile check-out, customers will revolt. Airlines have never – and likely will never – entirely eliminate the choice of agent-controlled check-in inside airport terminals. Lesson 5: Consumers perceive agents as more empathetic, but not more responsive. Despite the obvious consumer benefits of self-service check-out, in particular the decrease in wait times

in line, consumers still value human interaction during check-in or check-out. But they don’t consider human-guided service as more responsive, according a 2013 study of 181 consumers. Lesson 6: Retailers shouldn’t wait until they’ve reached 100 percent adoption rates with mobile and selfcheck-out before experimenting with other automation strategies within the retail environment. There will always be a delta between what’s possible technologically and all the ways automation can reinvent and usher in the store of the future. But retailers must never lose sight of where the customer actually is, and how long adoption of new technologies can take. As the history of self-check-in within the airline industry proves, change can be swift, but it also must be gradual, retaining the option of traditional, agent-controlled check-in for a significant portion of consumers. Lee Peterson is executive vice president for WD Partners, a global firm based in Columbus, Ohio, that help brands and companies drive and shape the future of customer experience.

June 2016



Banking law gap could leave you high and dry by William J. Hallan, MRA Executive Vice President, COO and General Counsel Crime has changed. Rarely do we hear about a massive bank heist. Instead, criminals are more sophisticated and have turned to electronic theft. We’ve all seen the news reports of corporate data breaches, and we probably all know someone who’s had a credit card compromised. Typically, in the event of a loss you’re made whole by the financial institution involved. Sure, you might have the hassle of getting a credit card reissued, but if your card is used for fraudulent purchases, the issuing bank will hold you harmless. For bank thefts, consumers (i.e., individuals) are protected by Regulation E, a regulation of the Federal Reserve that applies to Electronic Fund Transfers (EFTs). An EFT is a transfer of funds initiated electronically, such as by a telephone or computer, and that authorizes a financial institution to debit or credit a consumer’s account. EFTs also encompass ATM transactions and transfers initiated through Internet banking or bill pay. Businesses do not have the same protection. Say an online hacker steals your company’s bank account information and electronically trans-

fers money out of your account. Is the bank required to make your company whole? The answer is, surprisingly, no! The problem is that Regulation E does not apply to corporations, partnerships, LLCs or trusts. As a result, your company could be left high and dry if it is a victim of a fraudulent EFT. Retailers Insurance Fortunately, Retailers Insurance Company (RIC) has developed a product to protect its workers’ compensation policyholders from bank thefts. All companies that obtain workers’ compensation insurance through RIC automatically receive $100,000 of EFT Guard Coverage. As an industry leader, RIC identified a gap in the law and developed a solution for its policyholders. We are not aware of any other Michigan workers’ compensation insurers offering EFT guard coverage. If you would like a quote from Retailers Insurance Company, call your Independent Agent and ask about our many benefits, including EFT Guard. You also can locate one by using the Find an Agent search at The goal of this column is to provide our members with some insight into the law and how it might impact their businesses. It’s an added benefit when the law doesn’t cover our members, but we do.

RIC policyholders can stream videos on workers’ safety Looking for safety videos to help train employees how to avoid common workplace accidents? Retailers Insurance policyholders can access the State of Michigan’s recently added videoon-demand streaming service at no cost any time of the day, any day of the week. S e v e r a l h u n d re d v i d eos from more than 40 workplace safety and health categories are available to stream instantly through the Michigan Department of Li-

censing and Regulatory Affairs’ MIOSHA lending library. The streaming service provides a speedy option to borrowing and returning DVDs from the safety library’s collection. Policyholders can contact the agency at mioshavideos@ for more information and instructions on accessing the videos, which are made available through a partnership between MIOSHA and S a f e t y S o u rc e Productions.

Van graphics draw attention to message Continued from page 3

The largest communities visited so far include Traverse City, Lansing, Kalamazoo, Grand Rapids and Holland. Retailers, communities and others can request a Buy Nearby Guy visit by using the form at The schedule is filling up rapidly. Big Changes The new van is just one of several big changes this year. The biggest is expanding the fall celebration to a full weekend, instead of only the first Saturday in October, and renaming the event. I Buy Nearby Weekend will take place October 1 & 2. All retailers in Michigan are encouraged to offer special merchandise and/or promotions to make the weekend even more attractive to shoppers. Communities are also asked to promote the weekend and, where possible, tie Buy Nearby into local festivals and new or specially created events.

Employees of the new Treetop Adventure Park in Grand Rapids take a break from a busy grand opening day to show their love for Michigan and its local businesses. Buy Nearby Guy stands with Lansing Mayor Virg Bernero at the grand opening of Capital Loop Gifts in the Lansing City Market.

Attendees of the East Lansing Art Festival show their support as they peruse locally made art.

New MRA rep enjoys finding solutions Brian Scott, a mid-Michigan resident with solid experience in sales and client service, is MRA’s new business development representative Brian Scott in Central and Southwest Michigan. He becomes the local contact for members, prospective members and referral partners in the counties of Allegan, Arenac, Barry, Bay, Berrien, Branch, Calhoun, Cass, Clinton, Eaton, Genesee, Gladwin, Gratiot, Hillsdale, Ingham, Jackson, Kalamazoo, Livingston, Midland, Saginaw, Shiawassee, St. Joseph and Van Buren. “I enjoy being in the field talking with business owners and managers and looking for the best ways Michigan Retailers can help them increase

their success,” Scott said. “While each business is unique, it also shares common concerns with other businesses. Discovering the specific needs of each business and how Michigan Retailers can help address them is the best part of my work. For me, it’s all about the relationships.” Prior to joining Michigan Retailers, Scott was a unit field trainer and insurance representative for CNO Financial Group/Bankers Life and Casualty in its Okemos office. He also has experience as a retail manager, business consultant and risk advisor to financial institutions. Scott earned his undergraduate degree in business finance from Western Michigan University and a joint MBA and law degree from Michigan State University. He and his wife, Megan, have two young boys and reside in Okemos.


Michigan Retailer

Bill would discourage assessment appeals Continued from page 1

More Costly Local governments initiated and strongly back the bill, which was introduced early this year after similar legislation was held up last year for more study and changes. Municipalities, whose revenues were drastically reduced by the drop in property values during the Great Recession and by hefty cuts in local revenue sharing payments by state government, want major changes in how the Tax Tribunal hears appeals. Their full-court press began after the Tax Tribunal decided several appeals in recent years in favor of large businesses that were able to demonstrate they were being overassessed. In testimony before the House committee, Drumm said HB 5578 would increase the cost and length of commercial property tax appeals by requiring additional detailed studies and use of paid experts. Those costs would be prohibitive for a small or medium size business, she explained, and would effectively close the door on any but the largest businesses. The appeal process also would be slanted against taxpayers by pushing the Tax Tribunal to disregard the concept of True Cash Value, which is defined in the General Property Tax

Act as the “usual selling price.” Instead, the legislation includes so many restrictions against the use of “comparable sales” in determining a property’s value that it strongly favors use of the “replacement cost” valuation method. Replacement value can greatly overstate what a buyer would pay for a property, she said. More Flaws In addition, HB 5578 turns the Tax Tribunal, a judicial body, into an appraisal unit and creates different appeals processes for different categories of taxpayers, Drumm said. By creating different rules for different taxpayers, the bill violates the Michigan Constitution’s uniformity clause that requires all property to be valued using the same methods. “Changing the role of the Tax Tribunal Act through HB 5578 in response to local governments’ complaints over a few tax tribunal cases they lost is short-sighted, inappropriate and unconstitutional,” Drumm said. MRA is continuing to work against passage of the bill but faces an uphill climb, based on the catchy rhetoric used by local governments that fails to explain the complexity of the issue and danger to taxpayers.

Membership Services Corner by Penny Sierakowski, MRA Customer Service Department Manager Quick notes on key services. Call 800.563.5981 for credit card processing assistance or 800.366.3699 for other matters. We v a l u e your membership and trust. Let us know whenever we can help with your question or problem, no matter how large or small.

877.906.9924, ext. 411, or via email at

Dental Rates to Drop Retailers Insurance Company dental rates are going down on January 1, 2017, because of past performance of the program. Those with one-person or two-person coverage should see decreases ranging from 6 percent to 20 percent, depending on the plan. Those with family coverage will see smaller decreases. Rates have been unchanged the past three years.

Credit Card Processing • We now provide merchant assistance via email, in addition to over the phone. You can email any general questions to The response time for email inquiries is within two business days. • Internet Explorer 8, 9, 10 are no longer supported. If you use any of these to access a payment processing gateway, please call to discuss your options. • Verifone 1000SE Pin Pads are no longer supported. Contact customer service to obtain upgrade options. • If you haven’t upgraded your processing device to accept/ process Chip Cards, we strongly recommend you upgrade soon. • Par tial Authorization – if the credit card receipt displays “Amount Due,” you must collect the remaining balance by another form of payment. • If you currently utilize a dialup connection on your credit card terminal and experience communication errors, you may want to explore utilizing an Ethernet connection to eliminate these errors. • Chip card terminals may need to complete an update, call to verify. • To reduce customer disputes, be sure to imprint and obtain a signature for every sale. • Credit card terminals can support your store policies by printing them on receipts. Contact us to find out about Footer Lines. • Don’t forget to notify customer service of any changes with the authorized signer, tax ID or bank account information on file. • Minimum/maximum transaction limits: You cannot impose a minimum transaction amount on debit cards or prepaid cards. However, you can impose a minimum transaction amount not to exceed $10 on credit cards. If you do, you must display this policy at the entrance of your business and at the cash register/checkout station.

Filing for $5 Billion Settlement If your business accepted Visa or MasterCard payments between Jan. 1, 2004, and Nov. 28, 2012, you may be eligible to recover funds from the $5 billion settlement in a class-action lawsuit. Have one of our specialists help you avoid the filing hassle and get all you are entitled to receive. To enroll in this service or for more information, please visit portal and enter code MRA100. Workers’ Comp Insurance For a Retailers Insurance Company quote on workers’ compensation insurance, call your Independent Agent or call us to direct you to an Agent in your area. ‘Understanding Medicare’ If you are turning 65 or have recently turned 65, you will not want to miss this opportunity to expand your understanding of Medicare and your Supplemental Coverage Options. The sevenmonth Medicare Initial Enrollment Period (IEP) consists of the three months before your 65th birthday, the month of your birthday, and up to three months following your 65th birthday. The free seminar will be held September 21, 1-3 p.m., and again January 18, 2017, 1-3p.m., at Michigan Dental Association Headquarters, 3657 Okemos Road, Okemos, MI 48864. To register or for more information, please contact Rick Seely of our Medicare advisory team at

TruHearing Added to Vision Care TruHearing is now an exclusive member extra for members enrolled in the VSP Vision Care plan. Enrollees can save up to $2,400 on a pair of quality hearing aids and gain access to a national network of more than 4,500 licensed hearing aid professionals. To find out more, contact MRA at 800.366.3699 ext. 681.

June 2016



Lottery’s Red Ball promo returns to boost Daily 3 by M. Scott Bowen, Commissioner Daily 3 and Daily 4 games are among the most popular offered by the Michigan Lottery. We often hear from players who have a special story or reason they have played their numbers for years. That personal link, along with the chance to win cash, keeps players regularly playing the Daily 3 and Daily 4 games. To build on this popularity, the Lottery will bring back one of the most popular Daily 3 promotions this summer: the Red Ball Double Draw. The promotion is scheduled to start on August 1, and will offer Daily 3 evening players extra chances to win during the promotion. Beginning August 1, five white balls and one red ball will be loaded into a drum and a special “Double Draw” will be shown after the regular Daily 3 evening drawing. If a white ball is drawn, it will be removed from the drum, set aside, and another “Double Draw” will occur the next day. When the red ball is drawn, the Lottery will conduct a second Daily 3 evening drawing. Once the red ball has been drawn, all balls are loaded back into the drum for the next Daily 3 evening drawing. The Red Ball Double Draw promotion applies to Daily 3 evening drawings Monday through Saturday. The promotion is scheduled to end Aug. 31. During the Red Ball Double Draw promotion, the Lottery will conduct at least eight Daily 3 evening drawings each week rather than

seven. With an extra drawing each week during the promotion, players will have more chances to win and more motivation to buy Daily 3 tickets. We expect this promotion to bring additional store traffic to retailers, boost sales and also provide more opportunities for retailers to earn more in commissions by cashing winning tickets for players. Best of all, the promotion is easy for retailers because no additional action or cost is required for a player to take part in the Red Ball Double Draw promotion. Historically, Daily 3 and Daily 4 promotions have been very successful. They have proven to boost player awareness and interest in daily games, leading to increased sales and commissions for retailers. Additionally, because it has been several years since the Lottery has offered the Red Ball Double Draw promotion, we expect player engagement with this promotion to be very high. Doubler Days April’s Club Keno Doubler Days promotion was a tremendous success for Lottery retailers and players. Club Keno sales increased by 16 percent compared to April 2015. Players also had success during Club Keno Doubler Days, winning more than $41 million in total prizes. More than $2.5 million of that total was from the Doubler Days promotion. The Club Keno Doubler Days promotion is incredibly popular with retailers and players, and we plan to expand it to other games later this year.

NEW MEMBERS Liberati’s Italian Deli & Bakery, Allen Park Dennis K Chernin MD PC, Ann Arbor Michigan Printer Service, Ann Arbor Midwestern Consulting Co LLC, Ann Arbor Spun, Ann Arbor Pleasant Valley Resort Inc., Arcadia Lansing Radiology Associates PC, NC Asian Star LLC dba Star Beauty & Fashion, Battle Creek Close To Home Assisted Living LLC, Bay City Centra Wellness Network, Benzonia Huron Mountain Club, Big Bay Bloomfield Plaza Shoe Service, Bloomfield Hills Countryside Family Diner, Branch Pleasanton Valley Greenhouses Inc., Brant Kazz Bar & Grill, Casnovia J & M Sales, Clay Wartrom Machine Systems Inc., Clinton Township Copper Harbor Fuel Stop LLC, Copper Harbor Fort Wilkins Natural History Assn, Copper Harbor Critical Care Medicine Associates PC, Dearborn The Princess & the Pea, Elk Rapids Schneider’s Motorsports & Marine LLC, Fair Haven Adams Complete Cleaning & Restoration, Fraser Evolve, Glen Arbor HawkPeak Brewing Co LLC, Grand Haven Wilderness Expressions LLC, Grand Rapids Harsens Island Bed & Breakfast, Harsens Island CAAS Inc., Haslett Engedi Salon Inc., Holland Holland Christian Schools, Holland Howell Service Inc., Howell City of Hudsonville, Hudsonville MIFL Recycled Clothing Inc., Jackson Flair Interiors, Kalamazoo Verhage Fruit Farms, Kalamazoo Lake Aerie No 3761 Fraternal Order of Eagles, Lake

Anesthesia & Pain Mgt Consultants PLLC, Lansing Love 4 Paws LLC, Ludington Ludington Storage, Ludington Marek Auto Parts Inc., Ludington Synergy Media Inc., Ludington Urvana’s LLC, Mackinac Island Rainbow Sportswear Inc., Mackinaw City Axson Tech US Inc., Madison Heights R & K Transportation, Mancelona Marquette Junior Hockey Corp, Marquette Marshall Disposal Service, Marshall Greenfield Golf, Melvindale Moose Country Lodges, Michigamme Monroe Lodge No. 884 Loyal Order of Moose, Monroe Michiana Tool Rental Inc., Niles The, Okemos K & R Professional Painting Inc., Plainwell Success Mortgage Partners Inc., Plymouth Bailey & James Boutique, Rockford Equest Center for Therapeutic Riding, Rockford GFM LLC, Roseville Bob’s Auto Body Inc., Saint Johns Melissa K Renz DDS dba Pear Tree Dental, Saline Stoutenburg Enterprises LLC, Sandusky Stoutenburg Inc., Sandusky Cody Express LLC, Shelby Twp Camburn Central Vacuum Systems LLC, Sturgis Iron Fish Distillery LLC, Thompsonville National Cherry Festival Inc., Traverse City United Church of Wayland, Wayland Sonotronic Inc., Wixom Modern Window Cleaning, Wyoming Progressive Building Services, Wyoming Tree House of Ann Arbor, Ypsilanti Macatawa Plumbing Inc., Zeeland V-Max Truck Sales LLC, Zeeland


Great Commission Opportunities for Retailers! 路路 At At $10 $10 per per ticket, ticket, you you earn earn $.60 $.60 for for each each one one sold sold 路路 Earn Earn on on thousands thousands of of $15 $15 and and $100 $100 prizes prizes redeemed redeemed in in store store

Major League Baseball trademarks and copyrights are used with permission of Major League Baseball Properties, Inc. Visit Odds of winning depend on the total number of tickets sold through August 31, 2016. One $50,000 prize and two Season Ticket package prizes to be awarded for every 30,000 tickets sold each at retail and online. One World Series Trip prize to be awarded for every 10,000 tickets sold each at retail and online. 225 prizes of $100 and 1,200 prizes of $15 to be awarded for every 10,000 tickets sold at retail. Odds of winning online instant-win game are: $10: 1 in 20; $20: 1 in 40; $30: 1 in 100; $40: 1 in 200; $50: 1 in 300; $100: 1 in 600. Overall odds of winning online instant-win game are: 1 in 10.53. Knowing your limits is always the best bet. Call the Michigan Problem Gambling Helpline for confidential help at 1-800-270-7117.

June 16 Michigan Retailer  

The June 2016 issue of Michigan Retailer, the official publication of Michigan Retailers Association.

June 16 Michigan Retailer  

The June 2016 issue of Michigan Retailer, the official publication of Michigan Retailers Association.