Page 1


Ann Arbor Treasure

The Treasure Mart in downtown Ann Arbor is rated one of the 10 best consignment shops in America. Page 4


It’s the Law

Tips on how to protect your business by monitoring workplace activity without violating employees’ privacy. Page 5


Michigan International Speedway

Since opening in 1968, MIS has become a broad entertainment venue, major merchandiser and strong advertising medium. Page 6

® June 2017 Vol. 42 No. 3

Retailers welcome news Congress dropping plans to end swipe-fee reform Retailers across the U.S. are welcoming news that federal lawmakers changed course in late May and dropped plans to eliminate debit card swipe-fee reform. House Republican leaders reportedly abandoned an attempt to repeal limits on the amount retailers are charged to process debit card transactions. Those limits have saved retailers and their customers more than $40 billion and brought competition to the electronic payments market, according to the National Retail Federation (NRF). Debit fee limits were enacted by Congress as part of the Dodd Frank Wall Street Reform and Consumer Protection Act of 2010. They took effect in October 2011. The fees charged by card-issuing banks previously averaged 1-2 percent of the purchase amount, and virtually all banks charged the same amount, NRF said. Dodd Frank limited large banks to 22 cents per transaction, less than half of the previous average of 45 cents. One economist’s study found the limits saved retailers about $8.5 billion in the first year alone, with nearly $6 billion of the savings passed along to consumers. Repeal of the debit card fee ceiling would have come as part of the Financial Choice Act, a broad bill that would roll back many of the Dodd Frank regulations. The House is expected to formally vote on the rollback bill sometime in June, without eliminating the current debit card reform provisions. “This is a major victory for the consumers who have saved billions of dollars under swipe-fee reform,” said NRF’s Mallory Duncan, Senior VP and general counsel.

The official publication of Michigan Retailers Association

Big ideas, little action in legislature Eliminating the state income tax. Ending state pensions for new public school teachers. Spending state money to repair roads, bridges and other deteriorating infrastructure. Some big ideas have competed hard for political support since the

newest Michigan Legislature took office in January. But legislators don’t have much to show for their efforts. As of the first week of June, there was no consensus on what’s most important or even what the state can afford. There are also wider than usu-

al rifts between Governor Rick Snyder and legislative leaders. Those divisions are threatening to break a six-year streak of lawmakers adopting the next year’s state budget by the end of June. The governor says it’s important to continue the streak so local governments and school districts that begin their new annual budgets on July 1 will know how much they can spend. Legislative leaders say the self-imposed budget deadline is secondary to crafting important public policy. Retailers and other business owners don’t see the lack of legislative production as a bad thing. The usual onslaught of legislation that could harm retail businesses has been slow to appear in 2017, held back by debates over the big ideas. Continued on page 8

Pooches on patios bill goes to House

campers create jewelry, before she jumped into the craft herself. “I was fascinated with the intricacy of the work,” Thatcher explained. “I found working with stones, metals and other materials very inspiring.” The Maumee, Ohio, native’s jewelry design training continued with classes in high school, college work at Bowling Green State University and workshops with several fine teachers, as well as her own trial and error over more than 30 years of handcrafting fine jewelry. For 10 years she traveled the craft show circuit, creating and showing her work at up to 30 events per year.

Restaurants could allow customers on their patios to sit with their dogs, under legislation approved by the Michigan Senate on May 24. Senate Bill 122, which now moves to the House, would allow dogs to be present at outdoor seating areas where food is served if certain conditions were met and standards maintained. The proposed changes would prohibit dogs from walking through the restaurant to get to the patio. Dog owners would be required to control their animals, keep them on a leash and keep the area clear of pet hair and other waste. The measure would require a restaurant to notify its local public health department if it intended to open its patio to customers’ dogs. Local governments would have the option to adopt ordinances imposing additional regulations, including prohibiting dogs at outdoor seating areas. Individual restaurants also would have the right to deny a customer the opportunity to bring his or her dog to

Continued on page 6

Continued on page 6

Becky Thatcher set up her first jewelry designs store in 1983 in a renovated cottage in Glen Arbor, only yards from Lake Michigan and “down the road” from Sleeping Bear Dunes.

Jeweler captures beauty, ‘moods’ of NW Michigan by Jean B. Eggemeyer

Becky Thatcher became enthralled with her future career early in life. “I designed my first serious piece of jewelry when I was 10 years old,” said the owner of Becky Thatcher Designs, located in Northwest Michigan. She was a summer student at Camp Kohahna in Glen Arbor, where her family summered each year. She recalls watching the older


Michigan Retailer

Another one (in 76 million) bites the dust by Tom Scott, MRA Senior Vice President Communications and Marketing Note: Publisher Jim Hallan invited Michigan Retailer Editor Tom Scott to use his column for a farewell on the eve of retirement after 24 years with MRA. A relatively early Boomer (1950), I’m one of the 76 million Americans born between 1946 and 1964. America’s first television generation (and oh so much more!), we Baby Boomers are now retiring at the rate of 10,000 a day, according to the Social Security Administration. That’s a lemmings-like plunge that’s finally opening up job opportunities for the generations behind us. And they couldn’t be happier. Nor could we! Retirement is a remarkable accomplishment for a group that once sang it hoped to die before it got old. But before all we Boomers ride off into obscurity (something Boomers hate), how about another look at this generation. (All factoids are from the web – sources upon request.) Pop Culture Boomers, with the “pop culture” we created and named (and amplified with loud electronics), have tended

to regard ourselves as a special generation, far different from those that came before. Whether or not that’s really true, we were the first to claim we were and the first to see the world in terms of generations: Greatest (born before 1928), Silent (1928-45), Baby Boom (1946-64), X (1965-80) and Millennials (1981-97). Growing up in unprecedented, postWorld War II prosperity (after the Greatest set the table by saving the world), we were the first generation of youth with significant spending power. We fueled the growth of massive marketing campaigns and an endless parade of new consumer products. We created (or bought) “lifestyles.” Why else did station wagons become the rage in the 1950s, morph into minivans to carry Boomers’ own young families and then into SUVs? The coming revolution of self-driving cars will accommodate Boomers’ oldage disabilities just fine. Dethroned Millennials took over as the largest group in the U.S. population in 2016,

Former journalist, business owner joins MRA as VP communications M R A’ s n e w vice president of communications and marketing is an individual who’s effective and comfortable working in a newsroom, state Holland government policymaking office or downtown retail setting. Meegan Holland was selected because of her skills, accomplishments and diverse experience in the communications and marketing fields, said MRA President and CEO James P. Hallan. She comes to the association from the State of Michigan, where she worked in the Secretary of State’s and Governor’s offices, and most recently the Michigan Veterans Affairs Agency as a senior policy advisor. Previously, she was statewide/ capital editor in Lansing for the news organization MLive Media Group. She succeeds Tom Scott, who re-

tires on July 5 after 24 years with the association. His retirement was announced in February. Great Fit “We’re excited Meegan is joining Continued on page 5

displacing Boomers by a score of 75.4 million to 74.9 million. That accounts for our present culture’s fascination with what makes Millennials tick. Step aside, Boomers. But not so fast. Retailers and marketers who overlook Boomers for the next couple decades are missing what remains a goldmine of opportunity. Consider: • Boomers still represent a huge chunk of the U.S. population (44 percent), are projected to hold 70 percent of the nation’s disposable income and buy 49 percent of total consumer-packaged goods. • Boomers will inherit $15 trillion in the next 20 years and already own 80 percent of all the money in U.S. savings and loans. • Over the next 20 years, Boomers’ spending is expected to increase by 58 percent to $4.74 trillion. • 35 percent of all U.S. homeowners are Boomers. • 62 percent say they have the best shopping experience at a brick-andmortar store, compared to 19 percent who say online-only retailer. So, call Boomers what you will – the pig in the python, the shockwave or now the silver tsunami – just don’t call us late for the party! PS. On a more personal note, deeply felt thanks to everyone connected with MRA – members, board members, officers and all the other great people I’ve worked alongside – for making the past quarter century a wonderful thing. Each of you will be remembered and missed.

Zwick adds to development team Darren Zwick, a business sales and marketing leader for more than 20 years, has joined Michigan Retailers Association as business development diZwick rector. At Michigan Retailers he is responsible for identifying and developing new business opportunities involving products and customers on a national level. Most recently, Zwick was distribu-

tion sales manager, dental market, for Ansell/Microflex. Previously, he was a division director for the Michigan Dental Association. Zwick is also the new boys varsity basketball coach at Holt High School, where he played varsity basketball when he was in high school. He served as head coach at Lansing Catholic High School from 2003 to 2015, before his business career took him out of Michigan. He coached Lansing Catholic to the Class B State Championship and was named Michigan Class B Boys Basketball Coach of Continued on page 7

Board of Directors: Orin Mazzoni, Jr.

Chair Orin Jewelers, Garden City

James P. Hallan

President and CEO Michigan Retailers Association

Becky Beauchine Kulka

Vice Chair Becky Beauchine Kulka Diamonds and Fine Jewelry, Okemos

Peter R. Sobelton

Treasurer Mondial Properties, Birmingham

William J. Hallan

Secretary Michigan Retailers Association

Dan Marshall

Past Chair Marshall Music Company, Lansing

Brian Ducharme AT&T Mobility

Ken Hayward

Grand Hotel, Mackinac Island

Joseph McCurry

Credit Card Group

Larry Mullins

Brandon Tire & Auto Service Center, Ortonville

Barb Stein

Great Northern Trading Co., Rockford

Joe Swanson Target Corp.

Thomas Ungrodt

Dayspring Gifts, Chelsea

James Walsh

Meijer, Inc., Grand Rapids

D. Larry Sherman

Board Member Emeritus

Michigan Retailers Services, Inc. Board of Directors: Chad Ayers Allendale True Value, Allendale

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 Association 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 2017



Outlook remains strong for summer retail sales 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 activity; the higher the number, the stronger the activity. Looking forward, 72 percent of Michigan retailers expect sales during May – July to increase over the same period last year, while 11 percent project a decrease and 17 percent


no change. That puts the seasonally adjusted outlook index at 74.3, down from 84.0 in March. Nationally, retail sales excluding autos and gasoline rose by 0.3 percent in April, according to the U.S. Commerce Department. Michigan sales tax receipts totaled $592.6 million in April, down 0.2 percent from April 2016 but $53.5 million above state forecasts.


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Performance Index

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While April represented the first year-over-year decline in monthly sales tax revenue since September 2016, year-to-date sales tax collections are up 6.5 percent from 2016 and $157.3 million above state forecasts. Complete results of this month’s Michigan Retail Index—including data on sales, inventory, prices, promotions and hiring—are available at news-events/michigan-retail-index.

Michigan Sales Tax Collections

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Outlook Index


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700 600 500





594 593

400 300
























Michigan retailers expect more of the same after posting positive retail sales during April, according to the Michigan Retail Index, a joint project of Michigan Retailers Association (MRA) and the Federal Reserve Bank of Chicago. More than half of retailers posted year-over-year sales increases during April and nearly three-quarters expect gains through mid-summer. “Our index has been in positive territory the past three months, up significantly since January’s slow start to the year,” said MRA President and CEO James P. Hallan. “Consumers are responding to good spring weather and Michigan’s economy continues to show improvement. The state’s unemployment rate fell by three percentage points last month.” The Michigan Retail Index survey for April found 51 percent of the state’s retailers increased sales over the same month last year, while 32 percent recorded declines and 17 percent reported no change. The results create a seasonally adjusted performance index of 54.5, down from 57.4 in March but still above the important 50 mark. The 100-point index gauges the performance of the state’s overall retail

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!



Michigan Retailer

Ann Arbor treasures its top-rated consignment shop by Doug Henze

When Elaine Johns’ mother opened her consignment shop in a struggling section of Ann Arbor in 1960, acquaintances told her she was doomed to fail. The building was vacant, save for some storage freezers that a local produce company kept in the basement. The then-neglected Kerrytown area wasn’t the draw for shoppers that it has become, and world famous Zingerman’s Deli wouldn’t open its doors for another two decades. Concerned about supporting two daughters after her husband had suffered two heart attacks, Demaris Cash clung to her vision and persevered. Fifty-seven years later, The Treasure Mart is still going strong. “My mom was a very religious person and she would pray at night, ‘I hope this works,’” Johns recalled. “It took off right from the start.” Cash and partner Grace Bigby initially rented the upper two floors of the 1869 building, which once housed a lumber planing mill. After their first sale – a crystal chandelier – they never looked back. 8,500+ Square Feet Today, Johns and her husband, Carl, own the building and operate the business with a staff of 21 fulland part- timers. The store has 8,500 square feet of selling space on three floors inside, plus an outdoor patio and driveway area. In 2015, Fodor’s Travel named The Treasure Mart, an MRA member since 1990, one of the country’s top 10 consignment shops. “I was surprised, because we didn’t know they had come to visit,” Johns said. A part-time worker at The Treasure Mart during high school and college, Johns left a teaching career to help her mother full time in 1974. Carl Johns traded in a construction industry job a dozen years later to help run the business. The couple assumed The Treasure Mart’s ownership after Cash’s death in 2000. The store, where items range from $5 to thousands of dollars, matches sellers trying to get rid of old clutter with buyers looking for a deal. Sellers, who pay a $25 annual membership fee, get 65 percent of their item’s selling price – less if it sits on the shelf for more than a month. Johns said she’s hung with the business for so long because of both the product and the people. “The customers all know the staff,” she said. “It’s like a large family.”

Shoppers range from college students wanting to cheaply furnish their apartments in the fall to retirees who stop in year-round. “It’s kind of like entertainment for the retirees,” Johns said. “They get to know each other. It’s like, ‘Hey, Bill, how’s your grandson?’”

Bald Eagle – that the Michigan Department of Natural Resources promptly collected. “We have to be very careful about birds that are protected,” Johns said. “A lot of people bring in ivory, too, and you can’t sell ivory anymore.”

Elaine Johns and her husband, Carl, have so many regular customers at their bustling shop, they’ve created a community as well as a business. Photos by David Trumpie

1,000 Members The Treasure Mart has 1,000 member/consigners at any given time. Some are just trying to declutter, while others have mastered the art of turning a con-

signment buck. “We have a lot of people who buy stuff at the Salvation Army or garage sales and they bring it in to make money,” Johns said. One seller from Ohio has taken in more than $560,000 since August 1999, she said. “It’s definitely a way to make money, but they work really hard at it,” Johns said. The variety of merchandise, which typically sells for half of what it would sell new, is another thing that keeps Johns’ attention. Five hundred new items come in each day, she estimated. There are the standards: couches, chairs, blankets. But some items stand out. “We get wonderful artwork and it makes it worthwhile,” Johns said, adding that other items are highend, too. She recalled a Paul Evans bedroom set that a dealer drove from New York to buy. Another bedroom set – a Biedermeier – sold for $8,000 in the 1970s, making it one of the most expensive items The Treasure Mart has sold. Then there are the oddities. A human head owned by an anthropologist found its way into the store. So did a bird collection – featuring an American

Always Packed Overall, sellers bring in such a volume of items that the store had to put controls in place to conserve floor space. The Treasure Mart doesn’t take wool blankets in the summer, for example, and it may take two months to get small items on the shelf. Its website notes: “You must make an appointment to bring in consignment items.” “We are packed all the time,” Johns said. For buyers, part of The Treasure Mart’s draw is the variety of merchandise, Johns said.

“It’s hard to come in here and not find something you need,” she said. “My mom used to say people would come in shopping for a couch and buy a dining room set.” The store’s longevity has made it a community institution, where the relationship between customer and merchant has grown beyond business. “We don’t consider them just our customers,” Johns said. “They become our friends.” Doug Henze is a freelance writer and former business reporter for the Oakland Press in Pontiac.

June 2017



Striking a balance when monitoring workplace by William J. Hallan, MRA Executive Vice President, COO and General Counsel Balance is not easy to achieve. Especially when it comes to maintaining employee privacy while also protecting your business interests. Several tools can be used to investigate employee activities in order to ensure employee productivity. These include video surveillance and monitoring phone calls, emails, Internet usage and network access. Employers should think again, however, if they believe they have absolute authority to monitor. Both federal and state laws limit the scope of investigation, so employers should proceed with caution. Employers should guide their actions by asking the following questions as they evaluate whether to implement different forms of employee monitoring: “Does the employee have a reasonable expectation of privacy, and does the monitoring further my legitimate business interests?” For example, many courts have concluded that an employee does not have a reasonable expectation of privacy when it comes to video surveillance (non-auditory) in a public place. That makes sense, as employers routinely use video to monitor theft and ensure safety. On the other hand, video surveillance in a bathroom or where employees change is inappropriate and violates the reasonable expectation of privacy. Eavesdropping Many businesses monitor calls for quality control and productivity. Those actions may be in the ordinary course of the employer’s business, which is a permitted exception to the federal and state laws. But federal and state laws put stringent restrictions on eavesdropping. Michigan law specifically prohibits the willful use of a device to eavesdrop on a conversation without the prior consent of all parties. In other words, don’t eavesdrop on your employees’ telephone calls without their prior consent. And if you are listening in (with permission, of course), stop monitoring the call as soon as you deem it personal in nature. Obtaining your employee’s prior consent goes a long way in showing that there was no reasonable expectation of privacy.

New Technologies In our digital world, employers have a host of new technologies to keep tabs on employees. Employers may want to view Internet browsing activity, track the real time location of smartphones, or review access to company file servers. Employers do have leeway to monitor devices they – and not their employees – own. However there are some pitfalls. In 2012, the Michigan Legislature enacted the Internet Privacy Protection Act (IPPA), which prevents employers from asking employees and potential employees (job applicants) for access to personal Internet accounts, such as Facebook, Instagram, Twitter and Snapchat accounts. The IPPA also prohibits employers from disciplining employees or failing to hire an applicant for failure to grant access. On the other hand, the IPPA does not prevent employers from requiring employees to provide access to a device paid for by the employer or an account or service provided by the employer. But wrinkles do exist. Consider whether an employer may view the personal email account of an employee that was viewed on the employer’s computer. Courts have reached opposite outcomes on whether an employee has a reasonable expectation of privacy in that scenario. Best Practices Employers should be careful as they try to balance their business interests with the privacy of their employees. Here are some best practices to follow as you consider implementing various tools to monitor your employees: • Make sure that your employee monitoring is based on advancing your legitimate business interests. • Consider whether your approach might violate your employees’ reasonable expectation of privacy. • Develop a well written policy that is clearly communicated to employees. The policy should notify employees how they may be monitored and that they have no expectation of privacy when utilizing company-issued devices, computers, networks and files. • Obtain written acknowledgment from employees that they have reviewed the policy and that they consent to various forms of monitoring. • Once information regarding an employee’s activities is recovered, treat it in a sensitive and confidential manner.

Holland joins MRA as VP communications Continued from page 1

Michigan Retailers, because her talents, experience and personality are a great fit for our organization and the many audiences we communicate with on a daily basis,” said Hallan. “She is highly respected for her work as a print and online journalist as well as a state government policymaker and communicator,” he said. “In addition, she is a former community business owner who is passionate about helping retailers and their communities adapt and succeed in today’s rapidly changing retail environment.” A Kalamazoo College graduate, Holland was Booth Newspapers’ Capitol News Service bureau chief from 19902007 and online editor of the Grand Rapids Press from 2007-2011. She helped launch and oversee MLive’s first all-digital news hub in Lansing from 2012-14. She began working for state government in June 2015 at the Secretary of State’s executive office and moved to the Governor’s Office six months later. In August 2016 she transitioned to the troubled Michigan Veterans Affairs Agency, where she was part of a workgroup of lawmakers, long-term

health care experts and veterans advocates. Their recommendations turned into legislation creating an authority to oversee current and future veterans homes. Lansing’s Old Town In the early 2000s, she helped manage Creole Gallery, an art gallery and performance space, contributing to the revitalization of Lansing’s historic Old Town. She was membership chair with the Old Town Commercial Association and currently is involved with the Lansing Economic Area Partnership’s Placemaking Committee, East Lansing Arts Commission and the Capital Region Community Foundation. “I’ve been a part of communitybuilding and placemaking efforts for 20 years,” she said. “I’ve witnessed how retailers are instrumental in bringing back and stabilizing neighborhoods, so I’m thrilled to join Michigan Retailers Association to help more Main Street businesses and encourage people to keep their shopping dollars in Michigan,” Holland said. Holland is a life-long Michigander who currently resides in East Lansing.

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To learn more, ask your Independent Agent, call 800.366.3699 or visit


Michigan Retailer

NASCAR, concerts, retailing keep MIS humming all year by Doug Henze

It’s been a Michigan institution for nearly 50 years – a place where generations of racing fans have traveled to cheer on their favorite drivers. But Michigan International Speedway (MIS), which held its inaugural race in 1968, has grown into far more. This Michigan Retailers Association member located in Brooklyn in Southern Michigan’s Irish Hills region has grown into a broader enter tainment venue, a major merchandiser and a place where retailers and other companies can put their message in front of a throng of potential consumers from all across Michigan and neighboring states. MIS, which hosts NASCAR fans from across the country and Canada, works with corporate partners on advertising efforts that include everything from social media campaigns to coupon handouts to onsite displays. “We have trackside billboards, we have wall signage, we have many ways of reaching fans,” said Rick Brenner, who was named MIS president last September. “It really depends on how a particular company wants to engage our fans. We can customize a campaign Brenner to meet the needs of any business.” On race day, businesses can entertain guests at the MIS Hospitality Village, which includes a private tent,

$50 Member referral MRA members can earn $50 for every business or organization they successfully refer for membership. The new reward is $20 more than the previous amount, which had not been changed in many years. Referrals are not limited to retail businesses. Any business or nonprofit interested in receiving MRA services that range from business insurances to credit card processing, shipping discounts and college scholarships, can sign up for membership. Members will receive a $50 check once their referral becomes a member. For best results, members are asked to start by making contact with the person they plan to refer. Referrals, including the business name, contact person and phone, can be emailed to MRA’s Darcy Gates at, or she can be reached by phone at 800.366.3699.

cooking by professional chefs and an opportunity for a pit road tour. Companies also can take advantage

“Sponsorship gives you phenomenal TV exposure on one of the major networks,” Brenner said. “It’s the

movies with their kids.” Events Year-Round

MIS doesn’t limit events to race weeks. Something, often more than one thing, is happening at the facility all year long. Many are not tied directly to racing, except for being held at the iconic racetrack, the largest in Michigan. That includes private functions, such as weddings, chamber outings and board meetings. There’s even a full catering facility onsite. MIS also hosts the Michigan High School AthMichigan International Speedway in Southern Michigan draws its large audience of fans from every letic Association market in Michigan plus other states and Canada. Cross Countr y of a number of MIS clubs that offer home run of partnerships. It’s just a State Championship and the threeextra amenities. Benefits range from good opportunity to get in front of a day Faster Horses country music the Pit and Paddock’s up-close view critical mass of people and let them festival. of pre-race driver introductions to know about your services.” “Some of the biggest names in counThe Champions Club’s best-of-track try music are here,” Brenner said. seating and air-conditioned, indoor Start-to-Finish Merchandise MIS recently played host to Adrilounge. MIS is owned by International an College for its Track and Explore MIS offers two corporate suite Speedway Corporation, a publicly program. The program gives middle choices. Pit Road Suites, which afford traded company based in Daytona school students a chance to learn views of the pit road and garage area, Beach, Florida, that owns 13 active about nature, while exploring MIS’ can accommodate groups of 15, 30 or tracks across the nation. 2,200-foot trail. 60 persons, while Skylounge Suites – in Corporate partnerships are only a Undergraduate and graduate the tower high above the start/finish part of the MIS marketing package. students from around the world line – is available to groups of 32 or 64. The track also offers a start-to-finish competed in May in the Formula SAE Corporate heavy-hitters can bemerchandise line, with a section for engineering contest. come a race sponsor. Among current each of the 40 drivers who race there. In September, runners can particisponsors are FireKeepers Casino Ho“T-shirts, hats, little cars, sunpate in the Spartan Race. The event tel, Pure Michigan, Corrigan Oil and screen – it’s all here,” Brenner said. pits teams against one another on an LTi Printing. “It’s giving fans choices on how they eight-mile-long obstacle course, comcan support their favorite drivers.” plete with tunnels and boulders. The Those fans tend to show up early event’s website description states, for the two big NASCAR weekends – “you’ll be running in mud and water, Continued from page 1 one in June and one in August – that climbing hills and mountains, under MIS hosts each year. Many, arriving barbed wire and jumping fire.” the patio in a community that did not from Michigan’s neighboring states Less adventurous folks can wait for prohibit it. and Canada, populate the 8,500 the MIS Nite Lites event in November Similar legislation won approval in campsites in the speedway’s eight and December. From the comfort of the Senate last year but didn’t make campgrounds. their cars, they can view the threeit through the House before the twoMIS has ramped up efforts to utilize mile holiday lighting display in the year legislative session ended and its 1,400 acres to keep fans enterMIS infield. killed the bill. Sen. Margaret O’Brien tained onsite. It’s all part of MIS’ efforts to (R-Portage) reintroduced her legislaThe speedway hosts Euchre tourconnect with customers – on the tion in February. naments, Cornhole competitions racetrack and beyond. Supporters of the bill say restauand no-additional-charge concerts “We really want to create an enterrants that currently allow dogs in by bands including Skid Row and tainment destination for folks when patio areas are breaking the law, and Candlebox to keep fans engaged. they come,” Brenner said. SB 122 would help clear up the rules. “We’re trying to keep it geared as The bill won approval by a 32-6 something for everybody,” Brenner Doug Henze is a freelance writer vote. The legislation was referred said. “Somebody might like dueling and former business reporter for the to the House Regulatory Reform pianos and somebody might like Oakland Press in Pontiac. Committee.

Pooches on patios

June 2017



Emergency backup plan makes for smoother ride John Mayleben, CPP, is a consultant to Michigan Retailers Association and is MRA’s retired senior vice president technology and new product development. He is a national expert on electronic payment processing and was the first person in Michigan and among the first in the nation to receive the Certified Payments Professional (CPP) designation from the national Electronic Transactions Association. As much as we would like it to be, life is never a smooth ride. There always will be stretches of potholes in the form of times that disrupt business. While traveling in the southeastern U.S. recently, the Hurricane Evacuation Route road signs provided me with a graphic reminder of the need to always have a backup plan for business operations.

While we don’t expect a named storm to come off Lake Michigan on a hot summer day and wreak havoc, there are many other things that might go bump in the night and disrupt our ability to conduct business as usual. Have you considered what would happen to your business model if your credit card system suddenly went down? Depending on your business type and location, it could be either a modest inconvenience or a major hit to the bottom line. Any system that is “mission critical” to your business and its continued growth or survival must have a backup plan. First Question Take a minute to step back from the day-to-day operations of your business and consider what you and your staff would do if your credit card terminal or POS system were to stop working. In this situation, the obvious first question to ask is, “do I need to take credit cards today to make sales today?” In some business models, the inability to take cards today would not impact the business significantly. That’s because either the business doesn’t take a lot of cards or it knows its customers really well and can bill them (think doctor or dentist office). In that case, the level of urgency within your overall backup plan is

small. But if you are like most retail businesses – you don’t know all of your customers and you have more than 50 percent of your transactions flowing through various card networks – you will need a plan.

“Any system that is ‘mission critical’ to your business and its continued growth or survival must have a backup plan.” In the early days of credit cards, all you needed to complete the sale was an imprinter (a.k.a. “knuckle buster”) and carbon slips. That may be all you need to figure out today’s backup plan! It would be wise to keep an imprinter and sales slips in the emergency box and train your staff on how to handle that type of situation. Backup Device In more and more cases, however, the business model will not support a manual imprinter and sales drafts because of the need for speedy transactions amid the sheer volume of transactions done each day. In those situations, it’s wise to consider having a backup device stored in the office, ready to go in an instant. Whatever the solution that works for your business, you need to make sure that you aren’t the only one in your business who knows and understands how to execute the backup plan. There are times during the normal business calendar that you are out of the office and can’t be reached. That’s why it makes sense, emergency or not, to empower someone in your business to understand and react to a “system down” event. A backup plan is somewhat like fire and theft insurance. You hope that you never have to use it, but it’s a lifesaver when you do. It’s also true that if you suddenly need one, it’s too late to get one. What’s your plan? If you have questions about backup plans or need backup equipment, simply contact our customer service team at 800.563.5981, option 2.

Zwick adds to MRA as biz development director Continued from page 1

the Year in 2008. “We are fortunate to have Darren join our Michigan Retailers professional management team,” said MRA President and CEO James P. Hallan. “He has a wealth of business development experience on a national level and is a proven leader of individuals and teams in business and sports.” Link to Athletics The link between business and athletics, especially coaching, is an important one for Zwick. “Athletics are great preparation for life in general and a life in business,” he said. “When you play sports you’re part of a team and must have a strong work ethic to succeed. The same is true for business.” He said basketball has provided him “some of the best professional development I’ve experienced.” “First and foremost is developing the ability to lead,” he said. “You have to lead kids, build a team, endure adversity and communicate with parents, administrators, teachers, the general public and the news media. You have to balance all of those. It’s great preparation for a career in business.” Back Home Out of Michigan for two years,

Zwick said he’s happy to return to the Lansing area. “I was transitioning back to Michigan when this opportunity came up,” he said. “Michigan is home. I’m happy to be back in Michigan, and particularly Lansing.” A Holt resident, Zwick graduated magna cum laude from Olivet College with a degree in business administration. He also was an Academic All-American in college basketball, Olivet’s first athlete to win the national distinction. He calls winning the state championship at Lansing Catholic the thrill of a lifetime. “It’s also very humbling,” he added. “A lot of great high school coaches have coached their entire careers and never had the opportunity to win a state championship. “I was fortunate to achieve that in my fifth year. You wish every coach could experience that.” Already working at MRA is a member of Zwick’s coaching staff from the 2008 state championship team: Chris Smith, manager of business development, national sales. Smith is the boys head basketball coach at rival Haslett High School. “You can’t win championships without a great team of people. It’s the same in business as it is in sports,” Zwick said.

A valuable way to honor veterans Retailers interested in attracting veterans as customers can offer a discount or value-added service specifically to thank them for their service. There are several possible ways to verify veterans’ service in order to make them eligible for the extra value. The simplest way was put into effect in 2014, when the Secretary of State’s office put the word “Veteran” in bold red on the front of the Michigan driver’s license. Previously, many retailers requested a copy of a veteran’s DD214, a federal form that’s a hassle to carry around. The driver’s license designation is available only to honorably discharged veterans – those with the highest character of service. It simplified what should be an easy way to thank the men and women who have served our country. An honorably discharged veteran can add the designation to his or her driver’s license or state ID card at any local Secretary of State branch

by presenting official discharge documents. If adding the designation while renewing their license, veterans only must pay the normal renewal fee. Otherwise, they will pay the standard fee for a duplicate or corrected license.

Retailers should review their policies on veterans’ discounts and promotions to ensure they are up-to-date to include the new, optional license designation as one method of verification. It’s important to make sure that frontline employees are aware of your business policy in order to provide veterans with the best customer service experience.


Michigan Retailer

Disputes over tax cuts, teacher pensions may stall budget Continued from page 1

Big Ideas As for the big ideas … • Income Tax: After a failed, latenight push early in the new session, a group of House Republicans temporarily shelved their proposal to roll back the individual income tax rate. New House Speaker Tom Leonard (R-DeWitt) backed the rollback. Gov. Snyder opposed it, saying state government couldn’t afford it. The original income tax repeal plan would have phased out the tax completely by 2057, costing the state an estimated $9.75 billion. When brought up on the House floor, the plan was modified twice in an attempt to gain enough support. Full elimination was scrapped and proposals to reduce the current 4.25 percent tax rate to 3.9 percent through varying methods never gained enough support to pass the House in February. Backers of a tax cut continue working toward another vote on a tax cut when the final budget comes up for approval. • Teacher Pensions: Speaker Leonard and Senate Majority Leader Arlan Meekhof (R-West Olive) set a goal of

closing the Michigan Public School Employees Retirement System hybrid pension plan (part defined benefit, part defined contribution) to new teachers and replacing it with a de-

• Infrastructure Spending: Senators also created a bump in the road early in the budget approval process when they eliminated $20 million from the Michigan Infrastructure Fund proposed by Gov. Snyder. Critics see the move as a lack of commitment to the $1.2 billion road funding program approved by the legislature and governor in 2015. The program promised $600 million annually from the General Fund to make improvements.

At the moment, the dispute is the single biggest stumbling block to adopting a budget before the end of June. fined contribution plan. They believe it is essential to bringing school finances out of the red. The legislative leaders see eyeto-eye on changing public teacher retirements, but Gov. Snyder is looking elsewhere. He says the costs involved in switching plans are too great, and the hybrid system is working as planned. Sen. Meekhof went so far as to state on June 1 that senators will not approve a 2017-18 state budget unless it closes the existing pension plan to teachers hired in the future. At the moment, the dispute is the single biggest stumbling block to adopting a budget before the end of June.

Explore All the Great Shopping in Michigan. Support Your Community!

Retail Issues The lack of achievement isn’t due entirely to disputes. It’s typical for a slow start at the beginning of each new two-year legislative session, in order to enable newly elected legislators to learn the issues. But that’s not to say there haven’t been issues debated that impact retail. One item that was fast-tracked was a bill to move the deadline to submit a document for an exemption from the Personal Property Tax from February 20 to May 31. The bill was signed into law on May 25 to resolve a problem some businesses identified earlier this year. Since the PPT deadline this year fell on a federal holiday (Presidents Day), it required the exemption to be sent several days prior. The new law is seen as a short-term solution while the bill sponsor crafts a long-term solution that ensures the Department of Treasury receives all filings on time. The legislature also tackled a bill that seeks to improve the Michigan Tax Tribunal by increasing pay for judges and updating certain procedures in order to attract better judges and ensure all positions are filled. The House Tax Policy Committee reported the bill in mid-May with an amendment that would require taxpayers to file all expert valuation disclosures within four months of filing an appeal. MRA opposes the amendment and is working to have it removed on the House floor. Other Actions Legislators quickly moved a number of alcohol reforms, including one that would remove the burdensome keg tag requirement and another that would allow wholesalers and manufacturers to replace and/or reimburse defective products or products ordered erroneously. The House and Senate Health Policy Committees spent several weeks working on bills that may help curb the opioid epidemic by requiring

doctors to check an electronic prescription monitoring system before writing prescriptions. It also would require pain clinics to obtain a license, give pharmacists greater legal immunity when refusing to fill questionable prescriptions, and require education programs to cover addition to pain medication in schools. There was serious debate in April over the value of keeping the current post-Labor Day school start, as well as Daylight Savings Time. One House committee reported a bill allowing but not requiring all schools to start before Labor Day if they honor a fourday weekend around the Labor Day holiday and only hold classes Tuesdays-Thursdays in August. MRA and many other tourism and business groups are opposed to the legislation and were pleased to see it stall on the Senate floor. In May, the Senate considered legislation MRA supports to allow pharmacists to dispense a 90-day supply of medication so long as the prescription allows for enough refills to fill a 90-day supply. The bill is expected to receive a vote before the legislature breaks for the summer. Also expected to be discussed before break is legislation to prevent identity theft at gas stations by requiring security measures on gas pumps. Furry friends might soon be able to join diners on patios under legislation the Senate approved in May (see Page 1 story). Legislation intended to stop local Tobacco 21 ordinances and other agebased limitations stricter than state law was introduced in early May. The bill would ensure the state’s right to determine at which age certain products are sold or can be obtained. The products include controlled substances, pseudoephedrine, tobacco, alcohol, guns, fireworks, ammunition, defensive spray, signaling devices, violent video games, explosives, raffle tickets, lottery/charity prizes, tattoos and overnight rooms. MRA supports the bill and worked with the bill sponsor on its introduction, but it’s unclear when the bill might come up for a hearing. Telephone Fees MRA is concerned about legislation introduced in late May that would increase the current 911 fee on telephone bills from 19 cents per month to 25 cents per month per line. The switch could result in a $33 million tax increase on business and residential phone bills. If approved, it would result in higher surcharges on all landline, wireless and pre-paid wireless phone bills. The bills could be considered before the summer break.

June 2017


Becky Thatcher captures beauty, ‘moods’ of Northwest Michigan Continued from page 1

“It was fun and I really enjoyed the culture,” she said. But, growing tired of living out of a suitcase and hoping to establish a more permanent sense of community, she opened her first store in 1983. It’s located in a picturesque, renovated cottage in Glen Arbor, just yards from Lake Michigan and “down the road” from Sleeping Bear Dunes. Today, Thatcher also operates stores in three other prime Northwest Michigan communities: Traverse City, Harbor Springs and Leland. Natural Beauty Her work – sought by collectors regionally and across the U.S. – draws inspiration from and reflects the natural beauty of Northwest Michigan. Handcrafted, one-of-a-kind designs include the use of local beach stones as well as imported gems and stones that bring to mind sunsets, woods, wildlife and the colors of Lake Michigan in all its moods. “I spend a lot of time in nature,” said Thatcher, who volunteers as a trail monitor for the National Park Service, watching for maintenance and safety issues at Sleeping Bear National Lakeshore. “I make a concerted effort to ‘head for the hills’ almost every day. I like to survey the changes in scene and feeling that come with the changes of the seasons.” She developed one of her jewelry lines after noticing the unique shape of the holes woodpeckers make in trees as they forage for food.

explore and design. “I’ve been blessed with the best employees. Many have been with me for more than 20 years and are like members of the family,” she said. “They are very knowledgeable about our pieces; where the elements

finding enough summer employees. Thatcher worries that legislation introduced recently that would allow Michigan schools to opt out of a post-Labor Day start date may further hinder efforts to adequately staff seasonal businesses.

The creations at Becky Thatcher Designs draw inspiration from the natural beauty of Northwest Michigan.

are sourced, how they’re sourced and how the pieces are made. These factors are important to our customers.” Informative The retailer has also benefitted from loyal customers who appreciate Thatcher’s and her staff’s focus on a high level of individual service, which often includes an educational component.

“I spend a lot of time in nature. I like to survey the changes in scene and feeling that come with the changes of the seasons.” “I designed sterling silver and gold pieces that use those shapes and have a texture similar to the way bark looks after woodpeckers have visited. “I like textures, and for those textures to have meaning,” she added. Along with a love for nature, Thatcher draws inspiration from her many and varied interests, including horses, gardening, food sustainability, and soil microbiology and restoration. One of her newest design lines features the humble mushroom, made beautiful with its underside striations interpreted into modern-looking rings, earrings, necklaces and bracelets. Thatcher relies on a highly skilled and trained staff of 14 year-round and five summer employees to help create her designs, assist customers and run the day-to-day operations of the stores. They free up her time to

staff and other artists – plays an important role in her business model and creative endeavors. As an example, Thatcher relates that an older customer said she loved rings but couldn’t wear them because her knuckles were enlarged.

On afternoons in July and August, the retailer hosts a Tuesday Tea & Talk series in the garden adjacent to the Glen Arbor shop. A presenter gives an informative talk about a gemstone, while guests enjoy fresh scones with cream and tea. Thatcher also hosts exclusive, invitation-only events for customers interested in building their collections. At her intimate “Gemstone Roundtables,” about 20 guests enjoy refreshments then gather around a long table where 100 unmounted gems and stones are passed around for each guest to learn about, discover and inspect. Customers can then purchase a stone they like, and Thatcher and her staff will design a piece around it. Collaboration Collaboration – with customers,

“I told her I could design something big enough to fit and fun enough that people would look at the ring first, not her fingers,” Thatcher said. The result was a customer who was thrilled to have a piece she loved and could wear comfortably. “There is a lot of problem-solving, thought and conscious design behind our pieces,” she said. “We work with customers to find jewelry that suits their lifestyles and interests and we always get feedback because our customers come back. We can see how we could have done something differently in some situations – the customer helps educate us.” Thatcher also works with other jewelry designers whose work she admires to create unique lines. “It’s great finding people with different skill sets – including Marcel Roelofs and Barbara Heinrich, German-trained designers – who bring a different sensibility to our offerings.” Local fine artists also find a friend in Thatcher, who represents painters and shows and sells artwork in all her shops. Tourism Impact Summer visitors account for the majority of her customers, and Thatcher says she has seen a transformation in the area as tourism in the region grows. “Weekly rentals of cottages are now common and, with Sleeping Bear Dunes attracting more people, it’s changed the numbers,” she said. “Many independent retailers are thriving.” The flipside to increased tourism is

“I think it’s really hard, too, for young people to get good job experience and develop a good work ethic if they aren’t able to make a commitment to a longer-term job,” she said. Thatcher appreciates Michigan Retailers Association’s role in advocating for retailers, as well as the services it provides, and has been a member since 1997. ‘Tribal Identifiers’ When asked what she enjoys most about her career, Thatcher points, once again, to the customer experience. “I’m delighted when customers have an appreciation for and embrace the essence of our work,” she said. The unique pieces of Becky Thatcher Designs become what Thatcher terms “tribal identifiers,” bringing customers together. For instance, a customer shared with Thatcher that when she visited Notre Dame Cathedral in Paris, she noticed another woman wearing a Petoskey stone Thatcher piece. The two then struck up an enjoyable conversation. “Our pieces become an invitation for people of our ‘tribe’ to approach one another and connect,” Thatcher explained. “It shows that individuals share something in common – which is a love for Northern Michigan and its natural beauty.” Jean B. Eggemeyer is a freelance writer based in Northwest Illinois and a former employee of Michigan Retailers Association.


Michigan Retailer

See doctor any day, any time with 24/7 online health care

by Ally Nemetz, Director, Customer Service and Data Administration 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. See Doctor Any Day, Any Time Most Blue Cross Blue Shield of Michigan/Blue Care Network members now have the ability to see a doctor any day and at any time through the new 24/7 online health care. Your employees will have peace of mind knowing they can see a doctor even when they’re traveling or can’t leave work or home. Using face-to-face online video from a smartphone, tablet or computer, members can interact with American Well’s doctors. After signing up for a user account at, members

simply need 15 minutes to: 1. Launch the Amwell app or website and log in to their account. 2. Choose a doctor and enter payment information. 3. Meet with the doctor online. (While a visit may last as long as needed, the average time spent with a doctor is 10 minutes.) After their visit, members can share a summary with their primary care doctor. A m e r i c a n We l l d o c t o r s m a y write prescriptions, if appropriate. They won’t write prescriptions for controlled substances or lifestyle medications. Members need a service key to enroll. The service key is BCBSM. The service key is important because it ensures members will see their correct costs and services. Members us the key along with their health care plan information when creating their accounts. For more information, call us at 800.366.3699, ext. 681. Update to Newborn Child Enrollment Effective April 1, 2017, there are changes to the coverage policy and enrollment procedures for newborn babies.

• Newborns are covered from their date of birth only if the baby has been added to the BCBSM subscriber’s contract within the number of days allowed by the subscriber’s certificate. Newborns are no longer automatically covered for the first 31 days of life. • If newborns aren’t added to the subscriber’s contract within 30 days of birth, claims for the newborn will be denied and the subscriber must wait until the next open enrollment period. Free Medicare Options Seminar If you are turning 65, recently turned 65 or will turn 65 within the next year, you won’t want to miss this opportunity to significantly expand your understanding of Medicare and your Supplemental Coverage Options from our highly trained Medicare advisory team. You do not need to be Medicare age to attend. The next seminar date for “Understanding Medicare and Your Supplemental Coverage Options” is August 23, 2017, 1–3 p.m. The seminar location is Michigan Dental Association headquarters, 3657

Okemos Road, Okemos, MI 48864 To register or to schedule a meeting with Rick Seely of our Medicare advisory team, please call Denise Wyzywany at 877.906.9924, ext. 450, or send an email to Credit Card Processing • The support of SSL v3 and TLS 1.0 in the test/certification platforms will be disabled for all integrated Transaction Classic and Transaction Express systems during the following date ranges: June 1-June 16, July 3-July 14, August 7-August 18, 2017. Please test your payment application system during these date ranges to make sure it can connect and process transactions. • Authorize.Net plans to disable TLS 1.0 and 1.1 by September 18, 2017. It also plans to retire the 3DES cipher (a data encryption standard) in production soon. Upgrade your web browser to TLS 1.2 or contact your web developer/ web hosting company to confirm that you can support TLS 1.2 for your API connection. Continued on page 11

June 2017



New Fast Cash Instant expected to boost sales by Aric Nesbitt, Commissioner Players like new games that offer exciting prize options and new ways t o p l a y. L o t ter y retailers are looking for games that bring players into their stores and boost sales. The Lottery team focuses on both of those perspectives when developing games and bringing them to the market. We expect to hit the mark for both groups with an exciting new instantwin, draw-based group of games called Fast Cash. Fast Cash games feature a progressive jackpot that grows all day long. Fast Cash games will offer players a variety of themes, play styles and prices. Over the years, Lottery players have proven they are very loyal to their favorite games. For instant game players, Cashword and Wild Time have been two of the most popular game themes offered by the Michigan Lottery. The Lottery hopes to build on that popularity by offering Cashword- and Wild Time-themed games with the new Fast Cash style of play. Other Fast Cash games at launch will be: Bowling Bucks, 20X The Cash, and Jackpot Slots. Fast Cash tickets will range in price from $1 per play up to $10 per play and will print from Lottery retailers’ terminals. We expect players to be very excited about the new Fast Cash games and the benefits they offer: • There is no waiting for a drawing. Games can be played immediately • When you play one of these games and have a winning combination, you win right on the spot • Prizes never sell out • All plays are Easy Picks, no playslips are necessary • The terminal generates all tickets so there is no need to maintain ticket inventory. Along with instant-win opportunities, Fast Cash also offers a progressive jackpot. Every Fast Cash ticket gives players a chance to win all or part of the progressive jackpot. A jackpot winner’s prize is determined by the price of the winning ticket: a $1 ticket wins 10 percent of the jackpot, a $2 ticket

wins 20 percent of the jackpot, a $5 ticket wins 50 percent of the jackpot, and a $10 ticket wins 100 percent of the jackpot. All of the Fast Cash games feed into one jackpot, which grows with every ticket sold. The current jackpot amount prints on each ticket, so players always will know the amount of the jackpot up for grabs. Jackpot amounts also will be displayed on Lottery monitors and will be updated throughout the day. The jackpot may be won at any time, and as soon as the jackpot is hit, a new one starts again. We are excited to launch the Fast Cash games. Research indicates they will be well received by Lottery players and increase store traffic for retailers and boost Lottery sales. Instants These tickets went on sale June 6: IG 216 - Crusin’ - $2 IG 785 - $500,000 Bonus - $5 IG 230 - Millionaire’s Club - $30 These instant games expire: June 5 IG 719 - 2 for $1 - $2 July 3 IG 740 - Monopoly Millionaires Club - $2 Pull Tabs These tickets went on sale June 6: MI 501 - Slots ‘O Cash - $1 MI 599 - $15,000 Jackpot - $2 These tickets expire June 12: MI 539 - $10 Grand Cash - $2 MI 549 - Pub Cash - $.50 MI 556 - Casino Cash - $1 MI 565 - Detroit Red Wings - $1 Retailers are reminded to activate all game tickets before putting them on sale to ensure winning tickets may be redeemed by players. About 97 cents of ever y dollar spent on Lottery tickets benefits the state in the form of contributions to the state School Aid Fund, prizes to players and commissions to retailers and vendors. In 2016, the Lottery provided a record $888.9 million to help support Michigan’s public schools. Since it began in 1972, the Lotter y has contributed more than $20.5 billion to support public education. For additional information, follow the Michigan Lottery on Facebook, Instagram, Twitter and online at

NEW MEMBERS Chuck Cryderman & Association, Armada Redline Express, Auburn Hills Rudolph’s Moving & Transportation, Auburn Hills Woody Acres Inc., Bad Axe Thumb Broadcasting Inc., Bad Axe Schumacher Agency Inc., Beaverton Servpro of Canton, Belleville Stoneridge Adult Foster Care Inc., Bellevue Michigan International Speedway, Brooklyn Caseys Excavation LLC, Buckley Wintek LLC, Byron Center Farm Depot Ltd., Caro Joerdali Corporation, Caseville Michigan Festivals & Events Foundation, Chesaning Dennis Kaechele DDS dba Village Family, Clinton Happenstance LLC, Clinton Township Sundae in the Park, Copper Harbor Swank Automotive LLC, Davison Nour Light Petroleum Transport LLC, Dearborn Casey’s Concrete Carriers Inc., Detroit Conquest Fitness, DeWitt Dexter Research Center Inc., Dexter Leaf Salad Bar Inc., East Lansing Hallan Enterprises LLC, East Lansing Vic Bond Sales Inc., Flint Informa Business Systems Inc., Flushing Bauer-Reno & Associates Real Estate LLC, Fort Gratiot Reeman Farm Equipment Inc., Fremont Mysteek Salon, Grand Ledge Colmado Quisqueya, Grand Rapids Supertramp Custom Trampoline LLC, Grand Rapids Under the Vines, Grand Rapids Micro Kickboard, Grand Rapids Breeden Enterprises, Harrison Township None Better Cleaning LLC, Haslett Silver Cloud Management LLC, Hastings Hillman Hardware, Hillman Hillsdale Jewelers, Hillsdale Body Perfections Ltd., Holland Jack’s Greenhouse, Holland Pathfinder Systems, Holland Howell Nature Center, Howell Fowlerville Farms Family Restaurant, Howell Howell Gun Club, Howell Chapel in the Pines Campground, Hudsonville

Image Builders Marketing Inc., Jenison Jonesville Paper Tube Corporation, Jonesville Dunright Cleaning Co. Inc., Kimball Jim Zook Family Farms, Lake Odessa Red Leaf Creative LLC, Lansing Fresh Perspective LLC, Lansing Equipment Solutions Sales & Rental LLC, Lowell Ludington Area Jaycees, Ludington Gift Shop for Wings of Mackinac, Mackinac Island Manistee County Council on Aging, Manistee Manistee Tire Service, Manistee St Clair Lawn Care Inc., Marysville Snowshoe Inn Ltd., Michigamme Bone & Bailey Insurance Agency, Midland Ieuter Insurance Group, Midland Burners Inc., Milford McDonald Trucking Inc., Mount Pleasant Mt Pleasant Agency Inc., Mount Pleasant Waterstone Insurance Agency Inc., Muskegon Hog Island Country Store, Naubinway Frosty Queen 2 LLC, New Haven Cook Drilling Co. LLC, Niles Gem Corp, Oak Park Scott Publishing LLC, Okemos American Flooring Okemos LLC, Okemos Riegler Veterinary Ltd., Ovid Owosso Happy Pet Services PLLC, Owosso Doc’s Bavarian Auto Haus LLC, Paw Paw 5-H20 Pentwater Apparel, Pentwater Dunkel Excavating LLC, Petoskey Pierson Trading Post Inc., Pierson Ben’s Fine Furniture, Port Huron Joy Fong Incorporated, Portage Gull Lake Animal Hospital, Richland V.O.I.C.E. Inc. of Michigan, Saginaw Dayzi Jane Farms, Sand Lake Don Wilson Insurance Agency Inc., Sault Sainte Marie Smith & Eddy Insurance, Scottville Quality Service Center, Scottville Brown & Brown of Detroit, Sterling Heights Iridium Manufacturing, Sterling Heights Central Meat Market Inc., Sturgis Safety Glasses USA, Three Rivers Vassar Fields Assisted Living II LLC, Vassar

See doctor any day, any time Continued from page 10

• Beginning June 30, 2017, MasterCard will begin field testing to validate 2 series BIN acceptance and enforce compliance. Failure to accept a 2 series BIN card may result in noncompliance assessments beginning

at $2,500 per occurrence for the first 30 days, and increasing significantly per occurrence for days 31-60, 61-90, etc. Contact customer service to verify your processing device supports MasterCard 2 series BIN.

June 17 Michigan Retailer  

The June 2017 issue of Michigan Retailer, the official publication of Michigan Retailers Association.

June 17 Michigan Retailer  

The June 2017 issue of Michigan Retailer, the official publication of Michigan Retailers Association.