by Isabella Janovick, Anacomp, Inc.
Every business, whether large or small, has a primary goal of having a strong business model that will grow repeat business and result in financial success. But is that enough? Business management and the understanding that client needs will evolve over time will make it necessary for a successful business to evolve to survive. Continuous process improvement is a fundamental tool for business management and growth. Business processes and an efficient workflow enhance quality, productivity and response time of business processes by removing any actions and costs that are not adding value to the business. However, before a successful process can be implemented, a business needs to identify their existing processes and costs using effective tools and analytical methods in order to achieve the best possible outcome. by Kristi Hawthorne
Mike Napoli grew up in an Italian family in Los Angeles. One of his earliest memories is standing on a soda box at the age of five running the cash register at the family business, Tony’s Market and Laundry Mat. Today he and his wife Cheryl are the proud owners of their own family business, Port of Subs, since 2003. And while it may be a franchise, the Oceanside restaurant is just one of two in San Diego County. In our last episode I introduced you to the seven retirement killers: Taxes, inflation, market losses, major medical illness, a late start to saving, college for your kids, and the death of a breadwinner. In this issue, I’m going to focus on taxes.
If your retirement money is taxable, you can’t possibly know how much money you will have in retirement. That’s because you have no idea how high taxes will be when you retire. Which means, you don’t know how much of your money the government is going to let you keep. by Marva Bledsoe, Business and Community Political Action Committee
At a recent meeting of the Oceanside Chamber of Commerce’s Emerging Issues Committee, Ray Major, an Economic Analyst for the San Diego Association of Governments (SANDAG) provided a status report from the San Diego Forward Regional Plan, including a review of TransNet projects. What do we want our region to look like in 2050? Where will we live? How will we get around? How can we grow in a way that fuels our economy and preserves our environment, takes everyone’s needs into account, and still maintains our quality of life? San Diego Forward: The Regional Plan tackles these questions and provides a blueprint for a sustainable future for the San Diego region. TransNet is the voter-approved half-cent sales tax administered by SANDAG. To date, $3.3 billion in TransNet funds have been leveraged with more than $10 billion from federal, state, and local funding sources to deliver more than 650 projects throughout the San Diego region. The number one financial concern for all Americans, is having enough money for retirement.
Unfortunately, the vast majority of Americans will run out of money in retirement, if they live long enough, and here are the seven reasons why. I call them the seven retirement killers, because any one of them can kill your retirement plan. If you have any combination of them, you will very likely run out of money in retirement. Tracey Bohlen, City of Oceanside Economic Development Manager
Two years ago, the five cities located along the Highway 78 corridor - Oceanside, Carlsbad, Escondido, San Marcos, and Vista - launched Innovate78. Innovate 78 is an economic initiative designed to increase prosperity through collaboration. Under Innovate 78, the five cities pledged to work together to attract and retain business and to not undermine each other’s economic interests. Innovate 78 grew from the realization that the five cities along the 78 Corridor have much in common and can benefit by collaborating to promote common business interests, whereas competing against each other could drive businesses, jobs and investment dollars away. A quick overview of what was covered in the Oceanside Chamber’s March 2016 Emerging Issues Committee Meeting.
By Amber Ter-Vrugt Jennings – US Chamber – priorities for 2016! The Transpacific Partnership, a free trade agreement with 11 other nations along the Pacific Rim, is the #1 priority for the US chamber! This will open up trade markets for the US that never existed before. Other priorities include regulatory reform, tax reform, and combatting harmful legislation. Regulatory Onslaught…63 federal agencies have 3,305 regulations at various stages of implementation Two major regulatory rules that are coming down the pike…
By Lori Lawson
After spending hours doing battle with piles of paperwork, you have finally compiled and organized them. You put them in a folder and drive to your favorite tax preparer. They complete your tax return and electronically file it with the IRS. So far it’s all as it has been in the past. It’s when they call you the next day to tell you that the IRS has not accepted your return because your Social Security number has already been used to file another return, that your world tilts. You realize this isn’t a joke. No matter how hard you try to reset the situation, nothing changes. Someone else has filed a tax return using your social security number! OR You attempt to file your return online and although in past years everything was fine, but for some reason this year, it just doesn’t work. Yes, it could be a technical glitch, but it also could mean that someone has already filed using your social. Written by: Isabella Janovick
Photos by: Kyle Janovick During our nice holiday break my husband and I were in search of some new restaurants that would complement his meat-lovers diet and my vegetarian one. Sometimes it is hard to find a restaurant that will satisfy both needs, but with all these new places popping up in Oceanside, it is becoming easier. I myself am a big wino and a craft beer snob. I had heard the name Barrel Republic, but I didn't really know anything about their menu or setup. Just the word "barrel", which could refer to beer or wine, caught my attention and we gave it a go. When we walked in we were greeted and asked for a credit card. I gave a confusing look since this is not the typical hello one receives when entering a restaurant. The host than further explained that every patron obtains a wristband to wear that has a chip in it which turns on the beer and wine valves. Once a valve is turned on, your pour, no matter what size, is measured and totaled at the end of your visit. Hmm, interesting concept. by Kristi Hawthorne
The Oceanside Chamber of Commerce celebrates its 120th year and is the longest running business in our city. Established in 1896, the Chamber’s influence and impact has played an important role in the promotion, tourism and business development of Oceanside. Reading through the roll call of past presidents is walking along a historic timeline and a virtual listing of the movers and shakers in the community and those who helped to build and shape the City and promote it a variety of ways. The Oceanside Chamber worked in conjunction with the City Council (or City Trustees as they were called years ago). It was involved in everything from life-saving equipment on the beach, to tree planting, to rebuilding each new pier, beautification of the city, to cemetery upkeep, putting on parades, fireworks and beauty contests, along with catchy slogans promoting the city. Leading businessmen met at the South Pacific Hotel on May 8, 1896 to discuss the formation of a business organization to promote the city. The Oceanside Chamber of Commerce was established with Joseph Lewis Sharp, a member of the City Trustees, appointed as the Chamber’s first president. One of the first accomplishments was submitting promotional material to be published in a popular magazine of the time "Land of Sunshine" and ordering 6,500 leaflets advertising Oceanside as a summer resort and delivered to inland areas as well as Arizona and New Mexico. by: Isabella Janovick - Anacomp, Inc.
Although the total elimination of paper may not be practical for every business, even a small reduction may yield cost savings, increase efficiency and improve the security of documents. A paperless environment, whether it be a startup company or a developed, well-established corporation with policies and procedures, will always be beneficial to the company. Below are some benefits of having a paperless environment with the use of document management software, which includes a central document repository, process consistency and integration with additional business solutions. by Amber Ter-Vrugt
Texas Roadhouse coming to Oceanside! Like steak? Like ribs? Like ice cold beer? Like Peanuts? If so, come June, you’re going to be a happy camper…. ! Pay attention to the old Spoons location … Texas Road house is scraping it and building a new restaurant. Zero Waste in Oceanside… we’re on our way! What’s next? Single Use Bag Ban coming this year… Want more information … January 25th the City will be hosting a business, sustainability and policy workshop at Privateer at 6pm… or, if you can’t make it, contact Colleen Foster at 760-435-5021 [email protected] Interesting tidbits from Colleen…
The City of Oceanside is committed to waste diversion and recycling. Through this commitment, the City of Oceanside passed a Zero Waste Strategic Resource Management Plan in June of 2012. The Zero Waste Plan has allowed the City to implement programs and provide resources to the community that has increased the City’s diversion rate from 58%-71% in less than 3 years. The Zero Waste Plan also outlines the implementation of policies that will minimize the use of single-use shopping bags. In line with this zero waste goal, the City of Oceanside is currently considering a Single-Use Carryout Bag Ordinance in Oceanside, and will be hosting a series of educational presentations for the public and business community during the month of January.
by Marva Bledsoe, Business and Community Political Action Committee
In partnership with a Senior Experience Team from California State University San Marcos, the Oceanside Chamber of Commerce has recently explored the relationship between educational institutions and the needs of the local business community. The Chamber commissioned the three month project in order to gain new perspectives and insights on how to bridge the communication gap between educational institutions and businesses in Oceanside. The goal of this project was to find out what local businesses have experienced with past and current employees and to analyze the traits these employees are lacking and that the business is looking for, and then to compare these needs to the type of education and training that educational institutions have provided to students or future employees. As a part of their research, the Senior Experience Team conducted a series of interviews and surveys with local businesses and educational institutions. Based on their conclusions and recommendations, the Chamber will expand its programs to help solve the problems businesses are currently facing regarding new employees. by Lori Lawson
We’re in to the third week of December and Christmas is fast approaching. We’re all getting into the holiday spirit and checking our lists. Well, others are checking their lists, too, and surprise, surprise they also want a great Christmas. The difference between them and the rest of us is that they steal their Christmas. Last week I was at a local public library at 4:30 in the afternoon. In the space of 15 minutes an elderly woman had her purse stolen and a young man had his backpack stolen. Both had their wallets in those belongings and in the case of the woman’s purse, she had her Medicare card in her wallet. Do you know what’s on Medicare cards? Social Security numbers…either the Social Security number of the beneficiary or their spouse. It’s believed that there was only one thief in this instance and now that thief has two wallets with cash, credit cards, driver’s licenses, loyalty cards and in one case a Medicare card with the beneficiary’s Social Security number on it. In that fifteen minutes those two lives were turned upside down and the thief hit the jackpot. by Amber Ter-Vrugt
Interesting findings from the CSUSM Senior Experience Project for the Oceanside Chamber… CSUSM students surveyed Oceanside businesses and found out interesting information; including but not limited to, employers in Oceanside feel that in many cases new employees are lacking soft skills and trainability, Oceanside employers typically search from within and take recommendations from current employees when looking to fill positions, and employers look for employees at job fairs and on job websites. So, what does that mean? Why is there such a deficit in soft skills? The research findings give us a great basis to create programs to support our business community. Concerned with vagrant and homeless issues in downtown? The homeless shelter has opened downtown and there’s a great deal of work being done to create long-term solutions for the city. by Carrie Chacon
Here it comes, Holiday Deliciousness! I love everything about the holidays, the food, the weather, the friends and family, everything that makes this time of year special. Running around, eating on the go and hugging everyone I see fills me with joy… and taxes my immune system. I say “Humbug” to colds, sniffles and fatigue! I don’t want to forgo hugs and hot chocolate to stay healthy, so I take a few precautionary steps during the holidays to keep myself and my family healthy (well as healthy as possible, colds can be sneaky bugs!) by Marva Bledsoe, Business and Community Political Action Committee
The Oceanside Chamber of Commerce has joined the growing list of businesses and healthcare providers supporting the Medi-Cal Funding and Accountability Act initiative. Californians United is a coalition sponsoring this amendment to the existing Medi-Cal laws and focuses on closing loopholes and eliminating the Act’s current “sunset clause” scheduled for January 1, 2017. In an impartial review by the Legislative Analyst’s Office supports the initiative. That Office summarizes the fiscal effects of the measure as follows: 1) State savings from increased revenues that offset state costs for children’s health coverage of around $500 million beginning in 2016-17 (half year savings) to over $1 billion annually by 2019-20, likely growing between 5 percent to 10 percent annually thereafter; and, 2) Increased revenues to support state and local public hospitals of around $90 million beginning in 2016-17 (half-year) to $250 million annually by 2019-20, likely growing between 5 percent to 10 percent annually thereafter. by Marva Bledsoe, Business and Community Political Action Committee
Our voices need to be heard! The City of Oceanside’s General Plan Land Use Element is the primary source of long-range planning and policy direction used to guide growth and preserve the quality of life in the City. This section of the Plan is critical as Oceanside looks to the future of development in our city. However, the Land Use Element has not been amended since 1988. These 28 year old Land Use planning guidelines are antiquated, cumbersome, ineffective and they do not reflect our present day needs. In order to update this segment of the City’s General Plan, the City Council must allocate funding from the City budget to accomplish this important task. While it may not be as appealing as other aspects of the budget, it is critical to the future development of our community. Robyn Carlson can light up any room with her bright spirit and brings commitment to customer service to her career as a Mobile Notary. Her extensive background as a mortgage originator, mortgage loan processor and in real estate has equipped her with a thorough understanding of documents her customers are signing.
Robyn has over thirty years of experience as a Mobile Notary Signing Agent and Mortgage Loan Processor, and is experience with FHA, VA and Conventional loan signings. Qualifications include: Bonded and E. & O. insurance $100,000.000 Commissioned by The State of California, Background Screened, TRID Certified and is a Certified Notary Signing Agent. She is a preferred provider for Fidelity and Eagle Nest Reality & Mortgage. By Eric Robertson, MiraCosta College
My name is Eric Robertson and I’m a Professor of Communication at MiraCosta College. For the last 10 years I’ve been teaching in San Diego County, and during that time I have worked with thousands of Millennials. These individuals have grown up with different circumstances than previous generations. Recession, war, and technology have been some of the unique influences that shape their worldview. Below are a few points to consider when thinking about this group. by Emily Crisman and Nina Fletcher
The Military Affairs Committee meets the second Thursday of month at 7:30 AM to discuss ways to build a community that ties together Oceanside and Camp Pendleton. As well as hear an update on what is happening in the Marine Corps from Colonel Craft. This past Thursday we discussed new ideas for honoring a Military Member of the Month, brainstormed on how as a community we can better assist Marines transition to civilian life, and started planning for the Enlisted Recognition Reception in February 2016. The Chamber of Commerce is coordinating with Colonel Craft on Camp Pendleton to honor a deserving active duty Marine or Sailor as Military Member of the Month, starting in January. They will be awarded at a City Council meeting, and the intended goal is to demonstrate the community’s appreciation of hard work and sacrifice these men and women make. by Lisa Frost, Amazeinc
Based on more than 15 years experience helping hundreds of companies redesign their websites, we've seen redesigns that were immensely successful, while a few simply failed. We’ve compiled 5 keys for a successful website redesign in order to help others improve their redesign results. Keep in mind there are many factors to consider, but with these basic principles in place the odds of success increase significantly. First let's look at WHY you might want to redesign your website. The most important reasons to redesign are:
by Kristi Hawthorne, Oceanside Living Magazine
Lifeguarding in its purest form is the struggle against nature by one human endeavoring to save the life of another. Unknown Blake Faumuina has always been around the water. Growing up in Oceanside, he spent a good portion of his youth at the Marshall Street Pool and learned to swim at an early age. Because he was such a talented swimmer Blake was recruited to join the Oceanside Swim Club when he was just 7 years old. However, as he recalls, he first turned down the invitation. “Hey kid, do you want to join the swim club?” Then came an offer few kids could resist: “Well, we throw candy in the pool every Friday and you dive for it.” To that, Blake responded with: “Free candy? I will swim all you want.” He hasn’t stopped swimming since, and his love of the water has never waned. Growing up in the aquatics community is like being part of a large family, Blake explained. As a young boy and teenager, he grew up with the kids on the swim team, many of whom also became lifeguards. He has fond memories of his instructor Cheryl Clark and his coach Dave Wilcox. The Marshall Street Pool in South Oceanside was the springboard to his career and indelibly shaped his life. by Lori Lawson,
Today I reread an article that appeared in the AARP magazine about a year ago. I was preparing for a presentation I’m about to give and wanted to use the information as an example. It impacted me today with the same dismay that it did when I first read it. It always amazes me how effortless it is for some people to destroy another person’s life for their own selfishness. This is Helen’s story, but how easily it could be one of ours. Helen Anderson is an aunt. And according to her niece, Samantha, she’s a really nice person, which is why when Samantha house sat for Helen, it didn’t seem to be a big deal to invite a friend to stay with her for a few days. What Samantha didn’t know at the time was that her friend Alice was in business. That business was in stealing identities and she just got lucky. Spending a few days in the home of a retired nurse gave her access to countless receipts, unopened mail and a long history of great credit. |
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