COMMERCE INSIGHT ROSEVILLE CHAMBER OF COMMERCE | MAY/JUNE 2015 Greater knowledge comes from 100 years of experience
Learn about the Wine Ordinance
AN OFFICIAL PUBLICATION OF THE ROSEVILLE CHAMBER OF COMMERCE
CONTENTS
May | June
MESSAGE FROM THE PRESIDENT
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GOOD NEWS FROM THE CEO
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MEMBERSHIP WITHOUT INVOLVEMENT
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FEATURED MEMBER
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CITY OF ROSEVILLE UPDATE Blossoming Economy
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TIPS FROM EVENTS & ADVERTISING
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But He’s Only $10 Per Hour...
Placer County Wine Ordinance
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How Are We Helping You?
Placer Insurance Agency
Helping Your Business Succeed
RIBBON CUTTINGS
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WHAT’S HAPPENING?
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New Businesses Celebrating their Membership with the Chamber
Don’t Miss Our Upcoming Events. You May Just Find a Hot New Lead!
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Officers President Kim Silvers
A MESSAGE FROM OUR PRESIDENT
Silvers HR LLC
But He’s Only $10 Per Hour...
President-Elect Brian Ivie
Mercy San Juan Medical Center
Secretary/Treasurer Jeremy Masters Kee & Associates
Past President Randy Wilson
Sinclair, Wilson, Baldo & Chamberlain Attorneys at Law
Vice Presidents Community Development & Education Liisa Stark
Union Pacific Railroad
Economic & Government Affairs James Cuppet
SIMS Recycling Solutions
Membership Development Kristen Holihan
California Bank & Trust
Board of Directors Ted Allegra
Consolidated Communications
Patrick Brady
Sutter Roseville Medical Center
Tim Burke Quest
Michelle Cannon Lozano Smith
Ashley Harris
Ignite Young Professionals
Jeff Dern
PRIDE Industries
Bill Halldin
Halldin Public Relations
John Mason
Gurnee Mason & Forestiere
Janette Moynier
First Bank - Vernon Street
Sandy Sharon
Kaiser Permanente Medical Center
Bruce Stephenson
Kim Silvers Silvers HR LLC
usiness is booming in South Placer and many of our Chamber B members are considering hiring a new employee. Take heed: adding headcount costs more than the base salary of your new worker. There are several costs California employers may be surprised to find. Here are a few:
FICA Match: The Social Security and Medicare matches add up quickly. Employers must match each employee’s contribution to their social security fund at 6.2% for the first $118,500 earned in 2015. The quick arithmetic reveals an employer’s maximum yearly Society Security match in 2015 is $7,347 per employee. In addition, the Medicare match of 1.45% is for all income earned (no earnings cap like Social Security). Yikes, that’s a big bite right off the top! Unemployment Tax: CA employers must pay into the unemployment insurance (UI) fund for all employees. Each employee’s first $7,000 earned per year will be taxed up to 6.4%, plus 0.10% for the Employment Training Tax. (So the more employee turnover the employer has, the more UI tax paid, get it?) In addition, California owes the federal unemployment tax fund over $80 billion and we have to make it up. Be prepared to pay an additional fee each year to fill the gap. Paid Sick Leave: This newly minted law (AB 1522) will fully kick in on July 1, 2015. Every employee in California will earn paid sick leave at a minimum of 24 hours each year. Guess who pays for the non-productive time off? You do not have to offer employees vacation or paid time off, but paid sick leave will be mandated. Workers’ Compensation Insurance: Every California employer is required to have workers’ compensation insurance for all employees. The premiums will vary depending on the job classification (roofers are more expensive than office workers) and the employer’s experience rate. Employers with more time off injuries will be penalized in higher future years’ premiums. Group Health Insurance: If you have 100 or more full-time equivalent employees be ready for the required Affordable Care Act group health insurance (or the alternative penalty) for all employees working 30 or more hours per week. This insurance requirement will be changed to employers with 50 or more employees in 2016. All the stuff people need to get work done: Don’t forget there’s a work station, computer, phone, uniforms, travel and business expense reimbursement. If you’ve read this far I congratulate you. The first Chamber member to email me (no calls or texts) with the score of the Ohio State Buckeyes national championship win this year will receive breakfast with me at my favorite spot in Granite Bay.
GALLINA LLP
Jared Thomas, DC Thomas Chiropractic
Brian Whitmore BCA Architects
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All this said, I’m not suggesting you not hire employees to help your business grow and take care of your customers. Just consider the cost and be prepared to create sufficient revenue to cover the additional overhead.
Roseville Chamber of Commerce
GOOD NEWS FROM THE CEO
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Wine Ordinance
oseville Chamber’s Government Affairs Committee will be meeting to discuss and take action on the County’s proposed amendment to the Winery Ordinance. This ordinance was originally adopted in 2008 and now it is deemed too restrictive by those directly impacted. First a little background, many wineries, based on their zone district, are required to obtain an Administrative Review Permit or a Minor Use Permit, depending on the amount of wine produced for wholesale and retail sale, in order to have an
on-premise wine tasting room. All wineries, based on their zone district, are required to have either an Administrative Review Permit or Minor Use Permit for up to six (6) promotional events per year. The minimum parcel size for establishment of a winery is 4.6 acres. All wineries are required to meet minimum access standards that comply with local fire safe standards. Based on county research on winery regulations in Amador, Sacramento and Santa Barbara counties, staff concluded in their 11/6/14 report, that “Placer County’s current Winery Ordinance is more restrictive with regard to the number of w w w. r o s e v i l l e c h a m b e r. c o m
events that wineries can have (as compared to Amador and Sacramento counties) and none of the three counties have a requirement that onsite Wendy Gerig Roseville Chamber events promote the of Commerce winery or its products.
Chamber Staff Chief Executive Officer Wendy Gerig
Controller
Stephanie Tighe
Director of Administration Amy Yeager
Events & Sponsorship Coordinator Katie Delyon
Membership Services Coordinator Anne Pastrana
Communications Specialist Muang Saeteurn
Customer Relations Specialist Nancy McElroy
In addition, the Placer County Vintners Association points out that while state law allows wine to be sold by the glass and by the bottle for consumption on the winery premises, the Placer County ordinance only allows a winery tasting room to provide samples of wine for on premise consumption. The definition of “promotional events” doesn’t allow events that simply feature wine and food pairings. Today we have about 20 wineries located along the Placer County Wine Trail, creating local jobs and providing tax revenue to the county and certain cities. The action our Committee will be considering is to support amendments to the county Winery Ordinance that (1) Conform to state law, which allows wine to be sold by the glass and by the bottle for consumption on the winery premises; (2) Refine “promotional events” more broadly to include events such as fundraisers and weddings that feature wine but may not be related to producing wine at the facility; and (3) Allow a winery to have more promotional events. Cheers!
Advertising & Business Development Michelle Culbertson
Business Development Representative Lori Ryan
Membership Retention Representative Scott Otsuka
Accounting Assistant Pehavee Tucker
Roseville Chamber of Commerce 650 Douglas Blvd. Roseville, CA 95678 (916) 783-8136
A publication of the Roseville Chamber of Commerce, the Insight newsletter is produced bi-monthly.
Roseville Chamber of Commerce, serving Roseville and Granite Bay, is proud to be an accredited fivestar Chamber of Commerce. The Accreditation Program was instituted by the U.S. Chamber to recognize effective organization performance. Only 10% of the Chambers throughout the nation successfully complete the accreditation process for this voluntary program and less than 1% achieve five-star status.
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MEMBERSHIP WITHOUT INVOLVEMENT
How are we helping you? Roseville Chamber works each day to ensure a strong, stable business environment Your and to build community awareness. Here are just a few ways we are supporting you:
Members-Only Privileges
Free Point of Origin Certification for Exports Bulk Mail Rate Free Use of Board and Conference Rooms Free Lobby Display Space Enhanced Search Engine Optimization Tool (SEO)
Credibility
The General Public is 63% more likely to use the products and services of a Chamber member vs. a nonChamber member. (Shapiro Group’s National Study) 89% of area residents are more likely to choose a Chamber member over a non-Chamber member. (Roseville Chamber Public Perception Survey) Membership with the only 5-Star Accredited Chamber in the region. (Accredited by the US Chamber of Commerce)
Anne Pastrana
Membership Services Coordinator
Advocacy
Economic & Government Affairs Meetings-Local, State & Federal Elected Officials invited as Speakers and Attendees. Chamber CEO Monthly Meeting with City Manager, Mayor & Chamber President. Chamber CEO Quarterly Meeting with County Executive Area Supervisors. Chamber Representation at City Council Meetings Roseville Chamber Political Action Committee Weekly California Chamber Legislative Conference Calls
Member Discounts
Office Depot Discount Program Member to Member Discounts (M2M)
Non-Profit Expo...
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Roseville Chamber of Commerce
THANK YOU TO OUR LOYAL RENEWALS Years Plus 1Adecco Staffing
Advocare Apple House Cleaning Bandala Dental Group, Inc. BBVA Compass Wealth Management Bright Now Dental - Sunrise Casque Wines Delyon Wealth Management Dental Haven Donna Vinnard - Norcal West Realty Faith Baptist Church Forging Leaders Fraternal Order of the Eagles #1582 - Roseville Geiger Chiropractic Insperity J&S Asphalt JS West Propane KB Home Sacramento KTXL Fox 40 Sales LaserCraze Lockwood Moore Inc. MacKay & Somps Civil Engineers, Inc. Marginwise MassMutual - Michael Bullington McDonald’s - Galleria Blvd. Merryhill School Meyer & Yee, LLP Money Mailer Sacramento NewVision Realty Group NorCal Emergency Medical Training Nothing But Wisdom Teeth Opera House Saloon PM Environmental, Inc. Quest Reliable Home Improvement Inc. Roberts Freight Consultants, DBA Unishippers Roseville Crime Stoppers Roseville Grocery Outlet Roseville Numismatics Roseville Theater Arts Academy Roseville Travel Sacramento Magazine
Senator Jim Nielsen Sierra Forever Families Placer Kids SolarCity South Placer Rotary Club State Farm Insurance Stephanie Bader Susan G. Komen Sacramento Valley Sylvan Learning of Rocklin Taco Bell - Foothills Blvd. Teichert Ready-Mix The Burton Law Firm The Sacramento Bee Thomas Law Group Tim Lewis Communities Toffee Lady TRI Commercial-Gordon Stevenson United Building Maintenance US Cryotherapy Vibes Hair Salon Voit Real Estate Services Wells Fargo Advisors, LLC Western Contract Westland Capital Partners, L.P. Wise Villa Winery Years Plus 5Advocates for Mentally Ill
Housing Ascot Family Dental Best Western Plus Orchid Hotel & Suites BJ’s Restaurant & Brewery Brookfield Residential California Capital Aquatics (CCA) Capital Landscape Capital Public Radio Child Advocates of Placer County Coastal Partners, LLC Community 1st Bank Crate&Barrel Cybertary.com Donald L. St. Clair, CFP Home Smart Icare Realty Hyatt Place Roseville Kirk Uhler-Placer Co. District 4 Supervisor
La Provence Restaurant & Terrace Life Community Church Lilliput Children’s Services McDonald’s - Stanford Ranch Rd. PFLAG Greater Placer County Risk Strategies Rudolph and Sletten, Inc. Smile Business Products, Inc. Smile Island Pediatric & Adult Dental Group South Placer Employer Advisory Council The Me-One Foundation Thyme Is Precious Personal Chef Service Unger Construction Co. Warren G. Bender Co. Years Plus 10 Brandman University
(Chapman University System) Byers Gymnastics Center C & C Interiorscapes Candace Saari, C.P.A. Charles Schwab & Co., Inc. Classic Impressions Awards Etc. Cornish & Carey Commercial Dos Coyotes Border Cafe Dr. S. (Sean) Sefidpour, DDS, MSD, MSME Eskaton Village Roseville Finely Organized Fuel Creative Group Granite Bay Dermatology and Laser Center Gurnee Mason & Forestiere Hefner, Stark & Marois, LLP Il Fornaio KidsFirst Mission Carpet Care Pinnacle at Galleria Placer Care Coalition, Inc. Placer County Association of Realtors Placer Dispute Resolution Service
Roseville Coalition of Neigh. Assoc.- RCONA Roseville Fire Fighters Association Roseville Vision Center Dr. Paul Perron Sequoia Equities Sir Speedy Printing State Farm Insurance - Pat Hagans, Agent Style Media Group The Evergreen Company Tri Counties Bank U.S. Corporation Services, Inc. Umpqua Bank Webster Planning Corporation Westpark Communities Years Plus 20 American River Bank
Avalon Printing & Graphics CID Consortium, LLC Deatsch Insurance Agency, Inc. First Bank - Vernon Street Hewlett-Packard Company New York Life Insurance Northern California Power Agency Sierra Regency U. C. Davis Medical Group
Years Plus 30 CBRE-Roseville
Roller King Skating Center
Years Plus 40 Blue Line Arts
Sutter Roseville Medical Center
Years Plus 50 Melba Erven
“The Roseville University course with Dr. John Jackson was excellent. He is a dynamic presenter that kept us all attentive. The content was simple to understand yet powerful. What I learned definitely adds value to my professional development. I appreciate Ignite putting together the Roseville University series and recommend it to anyone who is looking to grow professionally.” William Wong Pacific Advisors w w w. r o s e v i l l e c h a m b e r. c o m
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FEATURED MEMBER
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Roseville Chamber of Commerce
CITY OF ROSEVILLE UPDATE
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Our Blossoming Economy
conomic Development blossoms in Roseville. The Roseville City Council has made economic development one of its highest priorities. A 50 percent increase in commercial projects shows that businesses are betting on Roseville in the economic recovery. Last year, work was completed on the FedEx building and Oakmont Senior Living projects, and work began on a new regional office for the FBI, new Sutter Medical office buildings, Life Time Fitness, Pearl Creek Apartments, Quest Ray Kerridge Technologies, and new restaurants at the Fountains at Roseville. This coming year Roseville City Manager will bring construction of Top Golf adjacent to a proposed Bayside Church campus in Parcel 49, design of a new parking garage downtown at Washington and Oak streets, design of a proposed new building at 316 Vernon Street to replace the old city hall annex and provide office and retail space near the town square.
In addition, a significant public-private partnership for economic development received some important recognition in March. The Roseville Community Development Corporation recruited 21 local partner companies to form a three-year public-private partnership called Advantage Roseville. The goal of Advantage Roseville is to grow Roseville’s economy by bringing new businesses to Roseville and by retaining and expanding existing businesses. Each of the 21 private partners has committed to a $5,000 annual contribution to the three-year effort, matched by a $100,000 annual contribution from the City of Roseville, the 22nd partner. Since inception the Advantage Roseville campaign has raised Roseville’s brand awareness throughout the state and has participated in the attraction of approximately 2,030 new jobs and $74 million in capital investment to Roseville. Advantage Roseville received the “Public/Private Partnership Award” for 2014 by the Placer Economic Development Board for its leading role in branding and delivering business attraction, retention and expansion services. And next time you visit the Vernon Street Town Square for one of the many concerts and activities during our warm weather, your mobile device will pick up a signal for free wi-fi. Thanks to a partnership with Consolidated Communications, this civic amenity is being offered in the downtown area so you can be as connected as you want when you head downtown. w w w. r o s e v i l l e c h a m b e r. c o m
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TIPS FROM EVENTS & ADVERTISING
Why Advertise? A
dvertising should be an important part of your business strategy because it creates awareness for your products and services. ◊ Advertising can make customers aware of your product and service and create a desire and need. ◊ Convince customers your product or service fit their needs. ◊ Announce new products and services. ◊ Enhance company image to draw customers to your business. ◊ Increase name recognition.
Create an advertising plan:
Determine your target market. ◊ Establish your budget – know what you can spend monthly to hit your target demographic. ◊ Plan which medium to utilize to best reach your prospective customer. ◊ Create an advertising strategy with an effective message and visual for your advertising campaign.
Michelle Culbertson
Media Execution
Advertising & Business Development
Once the product and advertising plan is determined and the target costumer has been specified, the mediums of reaching the consumer must be addressed.
There are five major avenues available to business owners: ◊ Print—newspaper, magazines – Insight Newsletter, Quarterly placemats, Direct Mail. ◊ Audio—FM and AM radio. ◊ Video—Promotional videos, TV Commercials, Infomercials. ◊ World Wide Web. – Chamber website, Eblasts ◊ Outdoor advertising—Billboards, advertisements on public transportation (cabs, buses).
Wanted: Warm Bodies
huge part of my Events job is “managing” volunteers. This is a blessing and a curse. A blessing A because I haven’t met a volunteer I don’t enjoy and a curse because volunteering isn’t their main gig. So the age old questions are bound to come up: How do I get volunteers and how do I keep them coming back for more?
Ask: People don’t realize you need the help. Instead of throwing out a wide net, hoping to
catch a few volunteers, by generically asking “who wants to volunteer for such and such?” Cast your line to a specific person you know could fit the role. Ask. Buy them coffee. It’s the nice thing to do.
Katie Delyon
Events & Sponsorship Coordinator
Try. Try. Again: “No” doesn’t mean “never.” Your prospective volunteer may have been in a tight spot the first time you approached them and they could be available now. Give it a whirl. Ask again. Buy them coffee...again.
Don’t let desperation cloud your judgment: Just because you need a body to fill that spot, doesn’t mean take just any body. Make sure it’s a proper fit, or else no one is having fun and you’re going to be holding their hand. Ain’t nobody got time for that! Feed the help: It’s such a simple thing to do. Make sure there is coffee, snacks, water and/or
mimosas. It helps to make people feel appreciated. Once you’ve tackled hunger; you’re on to the next hierarchy of volunteer needs.
Gratsi! Write them a thank you card. Send them a text. Invite them to Happy Hour and buy them a drink. These are the most important people when it comes to your event or organization. Be genuine and appreciate them. Without them you would be a one (wo)man show.
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Roseville Chamber of Commerce
220 Riverside Ave Roseville, CA 95678 Ph: 916.783.8317 Fax: 916.783.8950 www.pbaker.com
Interested in p h o n e 9 1 6. 78 3 . 8 3 17 having a feature in our newsletter?
we b p baker. co m
“SPLASH and Roseville 2015 are the best business events in the metropolitan-area. The Roseville Chamber puts on events that impact us as local businesspeople more than any other chamber.�
Michelle
Lori contact a sales representative 916-783-8136 w w w. r o s e v i l l e c h a m b e r. c o m
Michael Bullington Mass Mutual
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Ribbon Cuttings - February | March
American Montessori Elementary
Body Yoga
Cook CPA Group
Granite Bay Pilates & Yoga, Inc.
McLaughlin Theatre Co.
Pressed Juicery, LLC
PRO Martial Arts Roseville
Spin Boutique Inc.
Stearns Lending, LLC
Cosentino Surfaces
Edible Arrangements
Fathom Realty- Ray Fuentes
Lake Appliance Repair
LHT Revolution Weight Loss Center
Monsoon Roseville Inc.
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Roseville Chamber of Commerce
WELCOME NEW MEMBERS 401K Masters A.W. Kelley Sewer “D” Rooter All American Sweeping, Co. Altered Environments April LaMark Coaching BNI Roseville Legends & Heroes BNI-South Placer Professionals CAC Aesthetics & Cosmetics Caliber Collision Century 21 Select-Catherine J. Smith Chassey Real Estate The Chef’s Table CMA Insurance Services, Inc. Coldwell Banker Sun RidgeLisa Granucci Cousins Maine Lobster Sacramento Creekside Facility Services, Inc. Crunch Fitness D.E. Fleming, LLC DPR Construction Edward Jones - Hao Dang, Finacial Advisor El Sol Bilingual Daycare Enagic- Kangen Water Systems Brady Kellogg Farmers Insurance-Debra Akeson
Farmers Insurance-Steven Uren Fathom Realty- Ray Fuentes, CA BRE# 01227779 Financial Solutions Network Firehouse Subs Roseville First Data Fit Body Fusion-Jami DeBernard FREEBIRDS World Burrito Gold Country Fair High Noble Safe Co. Ignite Church Roseville Intrinsic Insurance Services Jamberry Johny 5 Productions Krush Burger-Rocklin LHT Revolution Weight Loss Center Lighthouse Printing & Graphics, Inc. MBS Practice Management, Inc. Megan Paterson, LMFT Monsoon Roseville Inc. New Autos, Inc. North Valley Senior Placement, LLC Northwestern Mutual-Shannon L. Heaps Old Town Pizza Omnitrition-Marcelena Carreon Ospry Media
Owl Club Placer Insurance Agency PLACER-Concrete-ConstructionLandscaping Placer-Nevada County Medical Society Porter Muffler & Fabrication PRO Martial Arts Roseville RE/MAX GOLD-Conrad Myers RE/MAX GOLD-Luann Richardson Recovery Happens Counseling Services rie.design Roman PI Rubicon Flooring & Design Sacramento Magazine Sierra Office Products Spin Boutique Inc. SunCal Real Estate GroupJaclyn Little Symmetry Managed Services Trina Jordan Business Services True Image Salon & Spa TWO MEN AND A TRUCK United Advocates for Children and Families Vibha Inc.
Orchard Supply Hardware
Recovery Happens Counseling Services w w w. r o s e v i l l e c h a m b e r. c o m
Roseville Historical Society
SolarCity
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WHAT’S HAPPENING... PLACES TO BE, PEOPLE TO MEET, THINGS TO DO IN MAY/JUNE
chamber luncheon JUNE
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May Sponsor
June Sponsors
networking breakfast MAY 28 JUNE 25 May Events 07
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THURSDAY HAPPY HOUR 5:00 pm - 6:30 pm Skipolini’s Pizza 6600 Lonetree Blvd. Rocklin FRIDAY MEMBER ADVISORY COUNCIL 9:00 am - 10:00 am
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TUESDAY BECOME COMMITTEE 7:30 am - 8:30 am
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THURSDAY ROSEVILLE 2015 10:00 am - 4:00 pm Bayside - Blue Oaks Campus 10000 Alantown Dr.
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TUESDAY BOARD OF DIRECTORS 7:30 am - 9:00 am
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WEDNESDAY IGNITE YOUNG PROFESSIONALS COMMITTEE 8:00 am - 9:00 am
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TUESDAY SEMINARS FOR SUCCESS 11:30 am - 1:00 pm
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WEDNESDAY CHAMBER ORIENTATION MAXIMIZING YOUR MEMBERSHIP 8:30 am - 10:00 am
how to register
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THURSDAY ROSEVILLE UNIVERSITY A PROFESSIONALS DEVELOPMENT SERIES 11:30 am - 1:00 pm
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visit rosevillechamber.com click on the Events Calendar call 916.783.8136
FRIDAY MEMBER ADVISORY COUNCIL 9:00 am
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TUESDAY BOARD OF DIRECTORS 7:30 am - 9:00 am
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WEDNESDAY IGNITE YOUNG PROFESSIONALS COMMITTEE 8:00 am - 9:00 am
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FRIDAY CHAMBER LUNCHEON 11:00 am - 1:00 pm Maidu Community Center 1550 Maidu Dr. Program: Placer Ranch Update Speaker: Jeff Jones & Robert Dugan Catered by: Randy Peters Catering Sponsor: First Northern Bank
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TUESDAY SEMINARS FOR SUCCESS 11:30 am - 1:00 pm
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WEDNESDAY CHAMBER ORIENTATION MAXIMIZING YOUR MEMBERSHIP 8:30 am - 10:00 am
Event/meeting to be held at the Roseville Chamber of Commerce Office, 650 Douglas Blvd.
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THURSDAY CHAMBER BREAKFAST 7:00 am - 9:00 am Sierra View Country Club 105 Alta Vista Ave. Sponsor: Spectrum Wealth Management FRIDAY GOVERNMENT AFFAIRS COMMITTEE 7:30 am - 9:00 am FRIDAY IGNITE POWER LUNCH 11:30 am - 1:00 pm Dave & Buster’s 3991 Douglas Blvd., Ste. 140 Program: Intentional Leadership: Clarity, Strategy, and Accountability Speaker: Rick Randolph, Forging Leaders
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THURSDAY CHAMBER BREAKFAST 7:00 am - 9:00 am Sierra View Country Club 105 Alta Vista Ave. Sponsor: Keaton Raphael Memorial FRIDAY GOVERNMENT AFFAIRS 7:30 am - 9:00 am
June Events 04
THURSDAY HAPPY HOUR 5:00 pm - 6:30 pm Boxing Donkey Irish Pub 300 Lincoln St.
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FRIDAY ECONOMIC DEVELOPMENT COMMITTEE 7:30 am
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TUESDAY BECOME COMMITTEE 7:30 am - 8:30 am
Would you like to place your ad in the next Insight Newsletter? Contact Michelle Culbertson at 916-757-6881 or michelle@rosevillechamber.com 12
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Roseville Chamber of Commerce
Roseville Chamber of Commerce 650 Douglas Blvd. Roseville, CA 95678
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President’s Circle 2015 Members S I G N AT U R E L E V E L
P L AT I N U M L E V E L
GOLD LEVEL
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