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Financial Tip of the Month
Preparing for the "Fiscal Cliff"
A phrase that has found its way into our daily lexicon this year is "fiscal cliff." It refers to a combination of Federal government spending cuts and expiring tax cuts that many fear could be a serious drag on the U.S. economy beginning at the start of 2013. These scheduled spending cuts and tax increases have many economists concerned that if nothing is done legislatively to change current plans and avoid the cliff, a recession could result due to consumers having less to spend just as government reduces its own spending.
Changes on the docket
The estimated impact on the economy comes from a combination of expiring tax cuts, new taxes and automatic spending cuts. The most direct effect on individuals has to do with tax changes. They include:
... Read more here.
Cheryle A. Brady, is a Financial Advisor with Ameriprise Financial Services, Inc., in Quincy, Massachusetts. She specializes in fee-based financial planning, and asset management strategies and has been in practice for 25 years. Contact Cheryle at:
Ameriprise Financial Services,
859 Willard Street, #300, Quincy, MA 02169-7482.
Telephone: 617 691 2167
Executive Director's Column
Dear Members and Colleagues:
Thank you for helping to make 2012 a fabulous year for SSWBN. We have increased our membership, which also means that you have grown your network. Yeah! Our goal is to consistently and constantly provide you with contacts, coaching, collaboration and community.
How have we done? Do you have any end-of-year comments for me? Please contact me at firstname.lastname@example.org or call me at 781-696-9901.
We are busy planning for 2013. Stay tuned for a completely new educational series, new events, and more opportunities for member businesses to showcase their products and/or services. We will be asking for your feedback at our December lunch. Please attend: your input will help to stabilize the foundation of our future.
I'd like to thank Jacquie Collins of Partnering for Performance for giving of her time, enthusiasm and wisdom. For the past three months, Jacquie has worked with our Board of Directors and me to ensure that SSWBN will continue to provide support and growth opportunities to you, our members and friends.
Please check out Jacquie's website, and see what she does so well. Thank you, Jacquie!
I wish you the happiest of holidays, and hope that all good things come to you!
781-696-9901 * email@example.com.
Dedicated to the success of our members through Contacts, Coaching, Collaboration, Community - our mission.
Message from the President
December is full of excitement ... Holiday Cheer (my personal favorite) and spending time with friends and family.
This December we also announce the "President Elect," or incoming President, of SSWBN for the following term. I am pleased to announce that Stacy Mafera, owner of Errands Etcetera, will serve as my Vice President from now through June 2013 at Celebration!, when we formally undertake the changing of presidents.
Stacy came to the Network four years ago when she was still developing Errands Etcetera. Since then she's grown professionally, with what she calls "endless support from the Network." Joining a roundtable, attending events frequently, chairing the Marketing Committee and making connections are all ways Stacy has utilized the Network to help grow her business.
After serving on the Board of Directors for the last year and a half, she has learned so much about what it takes to run the Network, and she is really excited for the future of the group and for being an intricate part of moving forward. Being involved with the Network has been such an incredible contribution to the success of my business, as it has helped me grow on so many levels.
Stacy commits to the Pay It Forward philosophy initiated by SSWBN's only two-term President, Janet LaBerge, as I have and have so many others in the Network.
Let's congratulate Stacy on the efforts that led to her selection!
About the Law - Barry Gordon, GMO
This is hopefully the start of a money-making venture including seminars, speaking engagements, etc.
My Family, My Business
A book about balance, happiness and saying what you mean.
Your whole life has involved listening to your parents, your boss, your employees and anyone else who comes into your life. All those words get tossed around in your brain and you react. Sometimes quickly, sometimes slowly, sometimes badly, and sometimes in ways that make you think and grow.
If you did what your parents told you to do, your parents told you how good you were. If you did not, then there was a range of potentially less-than-pleasant reactions. This process repeated itself throughout your life.
You learned to cope, to react and make your way in each situation -- hopefully getting by without too much pain and anger and more happiness than sadness.
You may have seen therapists, shrinks and maybe marital counselors and business coaches. Once again they discussed coping mechanisms which may have included drugs.
My question is: did they give you ways to shed your burdens, work through your problems and move forward without repeating past bad behaviors?
Gordon, Mond & Ott
Kristen Ford Hernandez
I hope you all had a wonderful Thanksgiving Holiday. With that in mind, I am thankful for all the wonderful connections that continue to pour in. Here are a few more.
Lee Dixon of Lee's Fabric Creations submitted the following. "I've had two great photo shoots with Jean Donohue of Donohue Photography who did wonderful work making my products and collection of antique sewing machines and notions look fantastic. Not only is she a superb photographer in the way she arranges the product shots, she is a lot of fun to work with. Some of these pictures will be debuting soon on my new website under construction by Lois Wood of LW Creative Group! Also, to Stacy Maferra of Errands Etcetera, who did an outstanding job cleaning my house. I highly recommend her. Such a cheery person, even when tackling my months ... yes, months, I admit it ... of dust accumulation! Love my sparkling abode! And to Eva Gaiardelli of Ready Set Style Eva for allowing me to help decide how to re-purpose a gorgeous red linen dress made in Italy that belonged to her mother. I am so delighted Eva has entrusted me with this transformation. Lastly, I reached out to Katie Howard of our network about pricing guidance for my products and she responded with lightening speed! (How does she DO that?!) Katie put me in touch with Alison Schirone at Yarn's End who was super helpful. Thank you Alison S. for taking time out of your hectic schedule to discuss pricing approaches with me. It was "invaluable" (pun intended!).
Rosemary McLaughlin of Elements Therapeutic Massage sent in a big thank you to Victor Moulton of Moulton Cleaning for cleaning the carpets at the studio. And a Big thanks to Terri Martini and Natalie of Front Street Gourmet for the beautiful and delicious food at the Elements Open House on November 9th.
I'm looking forward to see you all soon and for those who I may miss, I hope you have a wonderful holiday season!
Premiere Pros Painting and Carpentry
Above and Beyond
Surely you or one of your colleagues has reached a milestone, or has been subject of a special event lately. Why not give yourself or him/her a little PR for the accomplishment? Call or Email one of us with the details, and we will put it together in a finely tuned announcement!
Congratulations to Lisa Marie Williams for reaching the enviable milestone of 20 years in business! In that time she has grown her Lisa Marie's Boutique in Marshfield to include jewelry that she and her husband design and produce, alterations services, designer gift shop, and a bridal boutique.
Interior/Architectural/Portraiture/Business/Fine Art 617-759-8218
Each month the SSWBN Membership Team recognizes a member who exemplifies the qualities of a Networking Nova, a person who embodies the Network's core values of coaching, contacts and collaboration; someone who is visible at many SSWBN events and who treats others with respect and dignity.
In addition, this person utilizes the Network to build his/her business and helps others do the same.
Jacqueline Collins, Business Coach
Principle and Founder for Partnering for Performance
My current membership in the SSWBN is actually Part II for me. I was a member of the Network way back, the first year of its organization. At that time I was in Financial Services in Boston, and owned a retail store in Merchants Row in Hanover.
During that period, I worked actively on a couple of the committees and even facilitated an offsite meeting of the Board of Directors. I wanted to build a network on the South Shore and believedthis to be the way to do it. So many of the relationships that I still have originated when I was a member back then.
Because of the demands of my role in Boston, I decided to sell my (retail) business after six years. In 1999, I launched Partnering for Performance, with most of my business centered in the Boston area. In 2003 I established myself on the South Shore and joined the Chamber of Commerce, knowing that at some point I would rejoin the SSWBN. And, the rest is history!
I have made the most out of my memberships in the Network. Many of the people I had met along the way continued as members of the Network, so rejoining has kept me in touch with them as well as building relationships with many other great business owners. Mainly I attend the breakfast meetings because that's what works for my schedule. I have found them to be a way to hear and learn about businesses and topics that I may not have heard about anywhere else. I don't think you can ever stop learning.
My business -- and therefore I -- have benefitted both directly and indirectly from the Network, through learning experiences as well as through referrals.
I would advise other Network members and non-members to look at networking as a way to build productive and long lasting relationships. Building good relationships builds trust and credibility. Stay away from the "sell" and stick with the "How can I help you?"
To contact Jacquie:
Jacqueline Collins, Principle
Partnering for Performance
Business Coach and Advisor
Name: Patty Dunigan
Business name: BizChecks Payroll Service
Title/role: Partner and VP of Marketing and Sales
Website: Click here
Address: Pembroke, MA 02359
How did you come to be in this line of work?
It was completely by chance. I was invited to lunch by David Haynes, who owned InterPay Payroll Service, for a completely social gathering. After a long conversation David asked me if I would like to work for his company in sales and marketing in Plymouth and Norfolk Counties. The rest, as they say, is history.
What are the top three things that separate you from your competition?
Service, education and price. Small business owners have so much to learn and know about payroll law, taxes and their requirements. I feel a strong obligation to educate my clients to make sure they understand what payroll is all about. Serving, that is the big difference between BizChecks and the other providers. Our pricing likewise separates us from other providers. We do not have shareholders, so our costs are less because our overhead is less ... simple!
Describe your dream/ perfect/best customer'
Everyone! I enjoy meeting each and every one of my clients and listeningto their dreams. Our clients range from one employee to 200, but the average falls around 15 employees.
What changes are happening, or can you predict happening soon, within your industry?
Changes are numerous in the payroll industry, from the mandate of electronic tax filings and reporting, to going green, to the delay in issuing the unemployment rates for the last three years. It takes a great deal of law reading and research to be on top of everything.
What do you regard as your greatest achievement in business to date?
Putting my best into every meeting, my efforts are aimed at doing good business first, not chasing the revenue. The revenue will follow. If I meet a business that really doesn't need payroll services I will happily tell them so. I love educating a new company that is just starting payroll. I give them 'Payroll 101' first and watch their eyes roll. Those are my greatest achievements.
Where do you want you and your business to be in five years?
I want to see the BizChecks name known to almost everyone; and whether or not they use us yet, they know who we are and where to find us. I think that is key with marketing.
What benefit(s) have you received through your networking efforts?
Oh, my gosh, so many. I have met the greatest people and the best connections for my clients. My network connections have crossed over to being friends as well, and that constitutes a huge reward.
What is/are your one or two toughest challenges?
The law changes are the toughest challenges. Educating clients about what each change entails and when it takes place. They are not pleasant conversations for the most part because it mostly aids the government and not the small business owner. Government needs to serve the people: not the other way around. Issuing the unemployment rates LATE is a great example. Three months into a year is not the time to let businesses know what their rates are going to be. Why late? Well, depending on who in government you talk to, they say, "It took time to figure out." Duh, not good enough for me.
What motivates you on a day-to-day basis?
Meeting great people and learning about their businesses and the passion they have for them. Every day is completely different.
What is something that members may be surprised to learn about you?
That I am an accomplished seamstress! (LOL)
What do you do in your spare time for fun?
I play tennis: I am passionate about tennis. I play with my goofball dog, Mr. Wilson, and I find fun in horses, gardening, the kayaking I started this summer. I play golf when time allows. My daughter is always inspiring me, and I spend time with friends. That's my fun.